Med Life S.A.

M

Med Life S.A., a private healthcare provider, provides healthcare services through its clinics and hospitals in Bucharest, Cluj, Braila, Timisoara, Iasi, Galati, Ploiesti, Constanta, and Targu Mures,...

Website | Health Services | Health Care

Automated Financial Analysis

🤵

Financial Advisor Insight

"Current valuation levels are elevated, suggesting the price may be ahead of fundamentals. Technicals confirm a positive long-term trend, supported by moving averages. Growth forecasts are robust, which could drive future appreciation. Order book analysis reveals strong buying pressure from market participants."

Sentiment: Bullish Action: Buy

"Financial analysis reveals potential risks regarding growth or leverage that warrant caution."

Strong Revenue Growth (25.8% CAGR).
High Leverage (Debt/Equity: 3.34).
Liquidity concern (Current Ratio < 1).
Overvalued based on PE (Current: 286.4 vs Fair: 15).
Bullish Trend (SMA50 > SMA200).
Overbought (RSI: 86.2).
Price above upper Bollinger Band (potential reversal).
Stochastic indicates overbought conditions.
Forecast: Continued Revenue Growth (~20.8% next year).

Technical Analysis

Trend Bullish (Long Term)
Last Cross
Golden Cross (1 year ago)
RSI (14) 86.2
SMA 50 10.39
SMA 200 8.18

Price Valuation

Current Price 13.50
Fair Value (PE 15) 0.71
Overvalued 95%
Graham Number 0.93
Downside 93%

Forecast

Rev Forecast (Next Yr) 3,292M
Growth Forecast 20.8%

📊 Market & Peer Context

Benchmark: BET
Volatility (Beta)
0.12
Less Volatile than Market
Correlation
0.06
Moves with Market
Relative Strength (1Y)
68.66%
vs Benchmark
Index Returns (1Y)
71.3%
BET

Historical Performance

Metric 5Y 3Y 1Y YTD 6M 3M 1M 1W
M 414.3% 200.0% 118.1% 31.3% 64.8% 19.5% 0.0% 0.0%
BET - 135.9% 71.3% 19.7% 32.1% 9.9% 4.3% 2.7%
Alpha (Diff) - +64.1% +46.8% +11.7% +32.8% +9.6% -4.3% -2.7%

Financial Reports

Price Chart

Sector: Health Care

Based on Market Cap
LEADER
M
Med Life S.A.
7,170M

ETAPA 1 • MUST HAVE

4/8
Healthy Leverage (Debt/Equity)
3.34
Target: < 1.5
Gross Margin vs Industry
0.0% vs 0.0%
Target: > 0.0%
Operating Cash Flow vs Profit
0%
Target: > 1.0
Free Cash Flow vs Profit
195%
Target: > 0.8
ROIC (Return on Capital)
4.20%
Target: Positive
ROIC vs WACC
ROIC: 4.2% / WACC: 97,371,236.0%
Target: > WACC
ROE (Return on Equity)
3.4%
Target: > 10%
EBITDA Positive
305.65M
Target: > 0

ETAPA 2 • CRITERII

4/9
Interest Coverage
Target: > 3x • 0.0x
Miss
Net Margin vs Industry
Target: > 0.0% • 0.9%
Passed
ROA vs Industry
Target: > 3.1% • 3.2%
Passed
Current Ratio
Target: > 1.5 • 0.68
Miss
Assets Growth (5y)
Target: > 0% • 26.4% CAGR
Passed
FCF CAGR (5y)
Target: > 5% • 1.8%
Miss
EV/EBITDA vs Industry
Target: < Industry • 0.0 vs 0.0
Miss
Net Debt / EBITDA
Target: < 3 • 5.52
Miss
Revenue CAGR (5y)
Target: > 5% • 25.8%
Passed

SNAPSHOT COMPANIE

Capitalizare
7.17B RON
EBITDA
305.65M
P/E Ratio
286.39
PEG Ratio
11.09
Dividend Yield
0.00%
Beta
0.12
Valoare Intrinsecă (Graham)
0.93 RON
Discount
-93.1%

Balance Sheet

Annual Data
Metric TTM 2024 2023 2022 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Cash & Equivalents 185,346,959 112,808,224 100,271,093 89,068,154 135,858,888
Totalcash 185,346,959 112,808,224 100,271,093 89,068,154 135,858,888
Cash Growth 19.71% 12.50% 12.58% -34.44% 65.74%
Accounts Receivable 298,758,029 324,106,860 261,664,410 221,358,860 140,356,238
Other Receivables 15,662,711 11,273,300 12,765,902 8,328,300 -
Receivables 314,420,740 335,380,160 274,430,312 229,687,160 140,356,238
Inventory 140,708,415 148,798,218 109,657,497 98,770,370 74,229,585
Prepaid Expenses 19,744,784 17,311,896 11,699,369 11,826,587 8,030,713
Other Current Assets 45,321,442 44,606,950 37,450,340 36,034,034 24,357,735
Assetsc 705,542,340 658,905,448 533,508,611 465,386,305 382,833,159
Property, Plant & Equipment 1,740,430,154 1,690,260,187 1,497,584,652 1,134,914,449 742,922,215
Long-Term Investments - - - - -
Goodwill 507,419,537 492,034,979 445,395,617 368,672,606 199,679,613
Other Intangible Assets 115,381,157 120,974,820 118,906,011 100,192,265 60,556,655
Other Long-Term Assets 74,078,174 54,138,411 40,942,540 82,810,704 31,610,586
Assets 3,142,851,362 3,016,313,845 2,636,337,431 2,151,976,329 1,417,602,228
Accounts Payable 376,603,119 411,692,406 308,881,425 281,384,001 197,070,870
Accrued Expenses 43,103,061 36,422,953 28,272,208 24,169,661 17,305,119
Short-Term Debt 23,867,448 29,076,066 29,835,472 27,801,016 25,493,223
Current Portion of Long-Term Debt 79,987,049 127,417,891 82,297,342 55,695,054 58,455,422
Current Portion of Leases 106,325,941 108,288,263 99,589,187 77,141,698 52,586,827
Current Income Taxes Payable 6,733,657 4,322,327 321,242 814,508 1,467,625
Current Unearned Revenue 71,402,986 69,379,686 35,710,701 36,831,303 17,073,221
Other Current Liabilities 154,762,484 189,624,747 114,766,456 71,744,407 45,113,621
Total Current Liabilities 862,785,745 976,224,339 699,674,033 575,581,648 414,565,928
Long-Term Debt 1,400,395,825 1,135,073,779 1,040,639,641 803,273,659 440,840,484
Long-Term Leases 282,028,660 286,025,347 309,158,946 225,175,340 149,685,246
Long-Term Deferred Tax Liabilities 43,440,477 45,236,597 44,897,775 44,250,160 23,559,617
Other Long-Term Liabilities 52,171,311 69,109,052 47,775,013 21,657,277 7,546,395
Total Liabilities 2,640,822,018 2,511,669,114 2,142,145,408 1,669,938,084 1,036,197,670
Common Stock 132,870,492 132,870,493 132,870,493 33,217,623 33,217,623
Additional Paid-In Capital - - - 50,594,933 49,177,468
Retained Earnings 70,824,081 80,533,726 81,039,274 155,922,137 145,835,301
Comprehensive Income & Other 231,785,557 220,982,283 202,063,423 180,265,360 113,894,994
Total Common Equity 432,253,077 432,625,774 415,291,298 416,780,834 338,109,409
Equity 502,029,344 504,644,731 494,192,023 482,038,245 381,404,558
Total Liabilities & Equity 3,142,851,362 3,016,313,845 2,636,337,431 2,151,976,329 1,417,602,228
Filing Date Shares Outstanding 530,815,985 531,054,926 531,357,870 531,075,216 531,022,520
Total Common Shares Outstanding 530,815,985 531,054,926 531,357,870 531,075,216 531,022,520
Book Value Per Share 0.81 0.81 0.78 0.78 0.64
Tangible Book Value -190,547,617 -180,384,025 -149,010,330 -52,084,037 77,873,141
Tangible Book Value Per Share -0.36 -0.34 -0.28 -0.10 0.15
Total Debt 1,892,604,923 1,685,881,346 1,561,520,588 1,189,086,767 727,061,202
Net Cash (Debt) -1,707,257,964 -1,573,073,122 -1,461,249,495 -1,100,018,613 -591,202,314
Netcashpershare -3.22 -2.96 -2.75 -2.07 -1.11
Working Capital -157,243,405 -317,318,891 -166,165,422 -110,195,343 -31,732,769
Treasury Stock -3,227,053 -1,760,728 -681,892 -3,219,219 -4,015,977
Land - 122,932,884 120,852,586 118,558,183 31,842,685
Buildings - 303,915,945 297,358,837 297,358,837 315,018,421
Machinery - 1,142,408,435 886,977,516 659,366,725 507,344,820
Construction In Progress - 73,177,240 125,261,031 59,949,392 35,060,845
Leasehold Improvements - 326,195,708 200,068,988 140,603,584 96,585,107
Minority Interest 69,776,267 72,018,957 78,900,725 65,257,411 43,295,149

Cash Flow Statement

Annual Data
Metric TTM 2024 2023 2022 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Net Income 4,569,073 25,035,987 3,684,292 32,173,072 102,613,932
Depreciation & Amortization 292,634,611 253,943,851 194,747,162 152,410,751 113,760,199
Loss (Gain) From Sale of Assets - - - - -
Asset Writedown & Restructuring Costs 648,870 648,870 2,643,753 - -
Provision & Write-off of Bad Debts 6,044,335 6,475,319 2,688,649 4,851,599 5,269,269
Change in Accounts Receivable -9,627,819 -81,969,328 -61,538,538 -36,113,768 -6,506,380
Change in Inventory -12,716,496 -36,397,101 -5,962,324 -12,198,174 -5,902,852
Change in Accounts Payable -70,582,115 109,393,774 30,126,281 31,216,630 8,752,697
Change in Other Net Operating Assets -6,824,313 -5,484,731 855,343 156,186 -863,594
Other Operating Activities 42,111,521 13,976,642 16,262,808 12,119,640 10,274,127
Ncfo 246,257,667 285,623,283 183,507,426 184,615,936 227,397,398
Ocf Growth -9.62% 55.65% -0.60% -18.81% 76.74%
Capex -237,008,656 -236,736,304 -201,317,379 -149,107,846 -91,525,535
Cash Acquisitions -36,339,519 -51,506,359 -66,544,664 -316,554,749 -52,504,735
Sale (Purchase) of Intangibles -21,737,986 -19,278,373 -18,639,571 -20,243,591 -5,385,050
Ncfi -292,420,617 -307,521,036 -286,501,614 -485,906,186 -149,415,320
Long-Term Debt Issued - 221,540,083 284,583,155 411,844,392 84,203,084
Long-Term Debt Repaid - -183,587,632 -161,515,556 -142,828,514 -102,895,111
Net Debt Issued (Repaid) 86,906,083 37,952,451 123,067,599 269,015,878 -18,692,027
Issuance of Common Stock - - - - -
Repurchase of Common Stock -1,523,117 -1,078,836 -488,718 -7,851,825 -3,669,570
Other Financing Activities -8,699,426 -2,438,731 -8,381,754 -6,664,537 -1,731,990
Financing Cash Flow 76,683,540 34,434,884 114,197,127 254,499,516 -24,093,587
Net Cash Flow 30,520,590 12,537,131 11,202,939 -46,790,734 53,888,491
Free Cash Flow 9,249,011 48,886,979 -17,809,953 35,508,090 135,871,863
Free Cash Flow Growth -67.71% - - -73.87% 198.31%
Fcf Margin 0.30% 1.79% -0.80% 1.96% 9.45%
Fcfps 0.02 0.09 -0.03 0.07 0.26
Levered Free Cash Flow 68,606,328 138,088,819 384,001 28,070,296 142,586,821
Unlevered Free Cash Flow 123,980,684 197,823,853 48,077,350 49,522,404 156,085,981
Cash Interest Paid 79,656,191 83,880,922 61,662,770 32,377,399 28,820,100
Cash Income Tax Paid 26,135,377 22,280,461 14,171,759 12,832,118 26,557,162
Divestitures - - - - -
Change Working Capital -99,750,743 -14,457,386 -36,519,238 -16,939,126 -4,520,129
Sale of Property, Plant & Equipment 2,665,544 - - - -

Income Statement

Annual Data
Metric TTM 2024 2023 2022 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Revenue 3,108,805,428 2,724,424,974 2,221,735,984 1,809,550,809 1,437,581,362
Revenue Growth 21.35% 22.63% 22.78% 25.87% 32.29%
Operating Revenue 3,098,821,732 2,715,574,711 2,210,435,349 1,795,432,748 1,427,218,373
Other Revenue 9,983,696 8,850,263 11,300,635 14,118,061 10,362,989
Cost of Revenue 1,593,951,433 1,393,816,767 1,160,415,794 977,467,534 674,487,581
Gp 1,514,853,995 1,330,608,207 1,061,320,190 832,083,275 763,093,781
Selling, General & Admin 986,539,114 853,227,250 694,632,310 519,145,956 415,440,677
Other Operating Expenses 77,048,136 74,138,911 75,090,952 61,445,296 56,771,733
Operating Expenses 1,362,266,196 1,187,785,331 969,802,826 737,853,602 585,972,609
Operating Income 152,587,799 142,822,876 91,517,364 94,229,673 177,121,172
Interest Expense -88,598,970 -95,576,053 -76,309,357 -34,323,373 -21,598,655
Interest & Investment Income 66,836 2,175,920 3,423,077 1,261,843 149,944
Currency Exchange Gain (Loss) -40,509,286 -1,346,241 -9,692,103 -4,082,362 -9,166,155
Other Non Operating Income (Expenses) -7,164,138 -6,592,867 -4,639,497 -7,528,480 -5,817,476
EBT Excluding Unusual Items 16,382,241 41,483,635 4,299,484 49,557,301 140,688,830
Merger & Restructuring Charges -1,765,635 -1,765,635 - - -
Asset Writedown -648,870 -648,870 - - -5,269,269
Pretax Income 13,967,736 39,069,130 4,299,484 49,557,301 135,419,561
Income Tax Expense 24,440,369 22,316,703 8,464,341 12,124,746 22,506,352
Minority Interest in Earnings 15,041,706 8,283,560 7,849,149 -5,259,483 -10,299,277
Net Income 4,569,073 25,035,987 3,684,292 32,173,072 102,613,932
Net Income to Common 4,569,073 25,035,987 3,684,292 32,173,072 102,613,932
Net Income Growth -78.95% 579.53% -88.55% -68.65% 80.97%
Shares Basic 530,815,985 531,120,466 531,357,870 531,075,216 531,168,284
Shares Outstanding (Diluted) 530,815,985 531,120,466 531,357,870 531,075,216 531,168,284
Shares Yo Y 0.00 0.00 0.00 0.00 0.00
Eps Basic 0.01 0.05 0.01 0.06 0.19
EPS (Diluted) 0.01 0.05 0.01 0.06 0.19
EPS Growth -79.28% 577.92% -88.56% -68.64% 80.42%
Free Cash Flow 9,249,011 48,886,979 -17,809,953 35,508,090 135,871,863
Free Cash Flow Per Share 0.02 0.09 -0.03 0.07 0.26
Gross Margin 48.73% 48.84% 47.77% 45.98% 53.08%
Operating Margin 4.91% 5.24% 4.12% 5.21% 12.32%
Profit Margin 0.15% 0.92% 0.17% 1.78% 7.14%
Free Cash Flow Margin 0.30% 1.79% -0.80% 1.96% 9.45%
Effective Tax Rate 1.75 0.57 1.97 0.24 0.17
EBITDA 354,103,410 305,647,727 205,680,867 183,710,195 245,575,331
D&A For EBITDA 201,515,611 162,824,851 114,163,503 89,480,522 68,454,159
EBITDA Margin 11.39% 11.22% 9.26% 10.15% 17.08%
EBIT 152,587,799 142,822,876 91,517,364 94,229,673 177,121,172
EBIT Margin 4.91% 5.24% 4.12% 5.21% 12.32%
Revenue as Reported 3,111,426,556 2,724,424,974 2,221,735,984 1,809,550,809 1,437,581,362
Advertising Expenses - 47,269,456 37,019,353 26,664,612 15,138,844
Earnings From Continuing Operations -10,472,633 16,752,427 -4,164,857 37,432,555 112,913,209

Ratios and Metrics

Annual Data
Metric TTM 2024 2023 2022 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Marketcap 5,026,827,378 3,080,176,571 2,093,897,359 2,222,793,050 3,143,476,562
Market Cap Growth 53.91% 47.10% -5.80% -29.29% 113.39%
Enterprise Value 6,803,861,607 4,688,814,760 3,500,815,038 3,227,890,180 3,759,426,932
Last Close Ratios 947.00% 580.00% 398.00% 422.50% 597.50%
Pe 1,100 123.03 568.33 69.09 30.63
Forward PE 47.95 42.18 41.90 21.46 20.19
PS Ratio 1.62 1.13 0.94 1.23 2.19
PB Ratio 10.01 6.10 4.24 4.61 8.24
P/TBV Ratio - - - - 40.37
P/FCF Ratio 543.50 63.01 - 62.60 23.14
P/OCF Ratio 20.41 10.78 11.41 12.04 13.82
EV/Sales Ratio 2.19 1.72 1.58 1.78 2.62
EV/EBITDA Ratio 15.28 15.34 17.02 17.57 15.31
EV/EBIT Ratio 44.59 32.83 38.25 34.26 21.23
EV/FCF Ratio 735.63 95.91 - 90.91 27.67
Debt / Equity Ratio 3.77 3.34 3.16 2.47 1.91
Debt / EBITDA Ratio 4.25 4.25 5.45 4.82 2.50
Debt / FCF Ratio 204.63 34.49 - 33.49 5.35
Asset Turnover 102.00% 96.40% 92.80% 101.40% 110.50%
Inventory Turnover 1,193.70% 1,078.60% 1,113.50% 1,130.00% 1,059.80%
Quick Ratio 0.58 0.46 0.54 0.55 0.67
Current Ratio 0.82 0.68 0.76 0.81 0.92
Roe -2.06% 3.35% -0.85% 8.67% 34.73%
Return on Assets (ROA) 3.13% 3.16% 2.39% 3.30% 8.51%
Return on Capital (ROIC) 4.15% 4.20% 3.07% 4.24% 10.78%
Return on Capital Employed (ROCE) 0.07 0.07 0.05 0.06 0.18
Earningsyield 0.09% 0.81% 0.18% 1.45% 3.26%
FCF Yield 0.18% 1.59% -0.85% 1.60% 4.32%
Buyback Yield / Dilution 0.05% 0.05% -0.05% 0.02% -0.31%

Price History

Oct 03, 2018 — Jan 26, 2026 1825 Records
Date Open High Low Close Volume
2026-01-26 12.74 13.92 12.74 13.50 322,471
2026-01-25 11.86 12.78 11.86 12.66 313,668
2026-01-24 11.64 11.86 11.64 11.86 154,826
2026-01-22 11.64 11.86 11.64 11.86 154,826
2026-01-21 11.64 11.74 11.40 11.40 87,563
2026-01-20 11.58 11.70 11.30 11.30 143,341
2026-01-19 11.66 11.72 11.52 11.56 292,404
2026-01-18 11.66 11.68 11.52 11.66 219,742
2026-01-15 11.58 11.66 11.50 11.66 94,069
2026-01-14 11.30 11.62 11.30 11.38 222,881
2026-01-13 11.24 11.30 11.16 11.28 90,703
2026-01-12 11.54 11.54 11.30 11.36 248,197
2026-01-11 11.54 11.54 11.30 11.36 248,197
2026-01-09 11.28 11.40 11.18 11.20 216,403
2026-01-08 11.28 11.40 11.18 11.20 216,403
2026-01-07 10.94 11.74 10.94 11.14 312,378
2026-01-06 10.28 10.94 10.10 10.94 233,028
2026-01-05 10.28 10.94 10.10 10.94 233,028
2026-01-04 10.28 10.94 10.10 10.94 233,028
2026-01-01 10.04 10.28 9.98 10.28 290,289
2025-12-31 10.04 10.28 9.98 10.28 290,289
2025-12-30 10.04 10.28 9.98 10.28 290,289
2025-12-29 10.04 10.28 9.98 10.28 290,289
2025-12-28 9.91 10.28 9.91 10.06 118,040
2025-12-25 9.85 10.06 9.76 10.06 324,898
2025-12-24 9.85 10.06 9.76 10.06 324,898
2025-12-23 9.85 10.06 9.76 10.06 324,898
2025-12-22 9.85 10.06 9.76 10.06 324,898
2025-12-21 9.72 9.85 9.43 9.85 668,481
2025-12-19 9.85 9.85 9.60 9.60 334,895
2025-12-18 9.85 9.85 9.60 9.60 334,895
2025-12-17 9.95 9.95 9.77 9.78 67,911
2025-12-16 10.12 10.12 9.91 9.92 230,447
2025-12-15 10.04 10.10 9.95 10.02 362,428
2025-12-14 9.98 10.18 9.94 10.00 196,251
2025-12-12 9.91 9.98 9.89 9.93 40,210
2025-12-11 9.91 9.98 9.89 9.93 40,210
2025-12-10 9.82 9.95 9.74 9.91 132,094
2025-12-09 9.76 9.82 9.63 9.82 188,125
2025-12-08 9.60 9.75 9.59 9.75 152,858
2025-12-07 9.47 9.65 9.38 9.59 51,500
2025-12-05 9.28 9.47 9.01 9.47 135,932
2025-12-04 9.28 9.47 9.01 9.47 135,932
2025-12-03 9.18 9.30 9.14 9.28 151,670
2025-12-02 9.08 9.18 9.02 9.14 61,178
2025-12-01 8.80 9.13 8.75 9.08 219,222
2025-11-30 8.57 8.81 8.50 8.80 215,608
2025-11-28 8.57 8.81 8.50 8.80 215,608
2025-11-27 8.57 8.81 8.50 8.80 215,608
2025-11-26 8.26 8.58 8.26 8.49 98,397