Fast Finance24 Holding AG (FRA:FF24) Operating Income: €-4.47 Mil (TTM As of Jun. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Fast Finance24 Holding AG Operating Income?

Fast Finance24 Holding AG FRA:FF24 Operating Income is €-4.47 Mil as of Jun. 2025. The stock has 2 warning signs investors should review.

Fast Finance24 Holding AG's Operating Income for the six months ended in Jun. 2025 was €0.02 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Jun. 2025 was €-4.47 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. Fast Finance24 Holding AG's Operating Income for the six months ended in Jun. 2025 was €0.02 Mil. Fast Finance24 Holding AG's Revenue for the six months ended in Jun. 2025 was €0.87 Mil. Therefore, Fast Finance24 Holding AG's Operating Margin % for the quarter that ended in Jun. 2025 was 1.85%.

Warning Sign:

Fast Finance24 Holding AG operating margin has been in a 5-year decline. The average rate of decline per year is -44.5%.

Fast Finance24 Holding AG's 5-Year average Growth Rate for Operating Margin % was -44.50% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Fast Finance24 Holding AG's annualized ROC % for the quarter that ended in Jun. 2025 was 0.00%. Fast Finance24 Holding AG's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2025 was 27.00%.

Fast Finance24 Holding AG  (FRA:FF24) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Fast Finance24 Holding AG's annualized ROC % for the quarter that ended in Jun. 2025 is calculated as:

ROC % (Q: Jun. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2024 ) + Invested Capital (Q: Jun. 2025 ))/ count )
=0.032 * ( 1 - 7.14% )/( (6541.772 + 67.204)/ 2 )
=0.0297152/3304.488
=0.00 %

where

Invested Capital(Q: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=6542.4 - 0.523 - ( 0.105 - max(0, 0.523 - 0.696+0.105))
=6541.772

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=68.371 - 1.065 - ( 0.102 - max(0, 1.067 - 2.634+0.102))
=67.204

Note: The Operating Income data used here is two times the semi-annual (Jun. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Fast Finance24 Holding AG's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Jun. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2024  Q: Jun. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=0.032/( ( (0.102 + max(-0.406, 0)) + (0.135 + max(-0.223, 0)) )/ 2 )
=0.032/( ( 0.102 + 0.135 )/ 2 )
=0.032/0.1185
=27.00 %

where Working Capital is:

Working Capital(Q: Dec. 2024 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.105 + 0 + 0.012) - (0.523 + 0 + 0)
=-0.406

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0.844) - (1.065 + 0 + 0.002)
=-0.223

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Jun. 2025) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Fast Finance24 Holding AG's Operating Margin % for the quarter that ended in Jun. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Jun. 2025 )/Revenue (Q: Jun. 2025 )
=0.016/0.867
=1.85 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

Fast Finance24 Holding AG Operating Income Related Terms

Fast Finance24 Holding AG Operating Income Historical Data

* Premium members only.

The historical data trend for Fast Finance24 Holding AG's Operating Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fast Finance24 Holding AG Operating Income Chart

Fast Finance24 Holding AG Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Operating Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.21 40.20 2.08 0.46 1.16

Fast Finance24 Holding AG Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25
Operating Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.24 -4.79 5.65 -4.49 0.02

Fast Finance24 Holding AG Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Jun. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-4.47 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of €-4.47 Mil mean?
Fast Finance24 Holding AG (FRA:FF24) has a Operating Income of €-4.47 Mil as of Jun. 2025. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Fast Finance24 Holding AG and its competitors.
Is Fast Finance24 Holding AG's Operating Income too high?
Fast Finance24 Holding AG's current Operating Income is €-4.47 Mil.
How does Fast Finance24 Holding AG's Operating Income compare to V and MA?
Fast Finance24 Holding AG's Operating Income of €-4.47 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Fast Finance24 Holding AG and its competitors. Fast Finance24 Holding AG's current Operating Income is €-4.47 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fast Finance24 Holding AG stock overvalued right now?
Fast Finance24 Holding AG (FRA:FF24) has a current Operating Income of €-4.47 Mil. The current Operating Income is €-4.47 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Income calculated?
Operating Income is calculated from a company's financial statements. For Fast Finance24 Holding AG (FRA:FF24), the current Operating Income is €-4.47 Mil as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Fast Finance24 Holding AG Business Description

Address Uhlandstrasse 165/166, Berlin, DEU, 10719
Fast Finance24 Holding AG is involved in providing different online products for consumer credits such as FF24 Rent, FF24 payments and FF24 Pay offering financial services to benefit the underbanked people facing a short-term economic issue. It also consists of other products such as FF24 Trade, FF24 invest and OK.de. FF24 Rent platform is optimised for both desktop and mobile devices. This means that a customer can instantly request a loan on the go, whenever and wherever he needs it.