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EUC

Europejskie Centrum Odszkodowan WSE:EUC Stock Report

Last Price

zł1.30

Market Cap

zł7.3m

7D

-9.7%

1Y

-69.6%

Updated

24 Sep, 2022

Data

Company Financials
EUC fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance0/6
Financial Health3/6
Dividends0/6

EUC Stock Overview

Europejskie Centrum Odszkodowan S.A. supports people injured in accidents and their relatives in obtaining compensation from insurance companies in Poland, the Czech Republic, Slovakia, Hungary, and Romania.

Europejskie Centrum Odszkodowan Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Europejskie Centrum Odszkodowan
Historical stock prices
Current Share Pricezł1.30
52 Week Highzł4.37
52 Week Lowzł1.26
Beta0.89
1 Month Change-13.04%
3 Month Change-10.96%
1 Year Change-69.63%
3 Year Change-47.79%
5 Year Change-92.70%
Change since IPO-92.81%

Recent News & Updates

Shareholder Returns

EUCPL InsurancePL Market
7D-9.7%-4.3%-2.4%
1Y-69.6%-8.5%-32.1%

Return vs Industry: EUC underperformed the Polish Insurance industry which returned -8.5% over the past year.

Return vs Market: EUC underperformed the Polish Market which returned -32.1% over the past year.

Price Volatility

Is EUC's price volatile compared to industry and market?
EUC volatility
EUC Average Weekly Movement7.1%
Insurance Industry Average Movement3.6%
Market Average Movement6.1%
10% most volatile stocks in PL Market11.7%
10% least volatile stocks in PL Market3.9%

Stable Share Price: EUC is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: EUC's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2004130Krzysztof Lewandowskihttps://euco.pl

Europejskie Centrum Odszkodowan S.A. supports people injured in accidents and their relatives in obtaining compensation from insurance companies in Poland, the Czech Republic, Slovakia, Hungary, and Romania. The company was founded in 2004 and is headquartered in Legnica, Poland.

Europejskie Centrum Odszkodowan Fundamentals Summary

How do Europejskie Centrum Odszkodowan's earnings and revenue compare to its market cap?
EUC fundamental statistics
Market Capzł7.28m
Earnings (TTM)-zł22.46m
Revenue (TTM)zł35.71m

0.2x

P/S Ratio

-0.3x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EUC income statement (TTM)
Revenuezł35.71m
Cost of Revenuezł34.13m
Gross Profitzł1.58m
Other Expenseszł24.04m
Earnings-zł22.46m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

Nov 25, 2022

Earnings per share (EPS)-4.01
Gross Margin4.43%
Net Profit Margin-62.90%
Debt/Equity Ratio121.5%

How did EUC perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is EUC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for EUC?

Other financial metrics that can be useful for relative valuation.

EUC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.4x
Enterprise Value/EBITDA-2.5x
PEG Ration/a

Price to Book Ratio vs Peers

How does EUC's PB Ratio compare to its peers?

EUC PB Ratio vs Peers
The above table shows the PB ratio for EUC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average4.6x
VOT Votum
6.1xn/azł519.6m
CABROKERS Caribbean Assurance Brokers
1.8xn/aJA$682.5m
PYDR Paydrive
8.4xn/akr56.1m
7170 Chuou International Group
2.1xn/aJP¥1.1b
EUC Europejskie Centrum Odszkodowan
0.2xn/azł7.3m

Price-To-Book vs Peers: EUC is good value based on its Price-To-Book Ratio (0.2x) compared to the peer average (4.6x).


Price to Earnings Ratio vs Industry

How does EUC's PE Ratio compare vs other companies in the European Insurance Industry?

Price-To-Book vs Industry: EUC is good value based on its Price-To-Book Ratio (0.2x) compared to the European Insurance industry average (1.1x)


Price to Book Ratio vs Fair Ratio

What is EUC's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

EUC PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.2x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate EUC's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of EUC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: EUC (PLN1.3) is trading below our estimate of fair value (PLN9.23)

Significantly Below Fair Value: EUC is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is Europejskie Centrum Odszkodowan forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


11.9%

Forecasted Insurance industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Europejskie Centrum Odszkodowan has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Examine whether Europejskie Centrum Odszkodowan is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • Europejskie Centrum Odszkodowan competitive advantages and company strategy can generally be found in its financial reports archived here.

Past Performance

How has Europejskie Centrum Odszkodowan performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-52.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: EUC is currently unprofitable.

Growing Profit Margin: EUC is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: EUC is unprofitable, and losses have increased over the past 5 years at a rate of 52.5% per year.

Accelerating Growth: Unable to compare EUC's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: EUC is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-0.4%).


Return on Equity

High ROE: EUC has a negative Return on Equity (-64.32%), as it is currently unprofitable.


Discover strong past performing companies

Financial Health

How is Europejskie Centrum Odszkodowan's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: EUC's short term assets (PLN118.1M) do not cover its short term liabilities (PLN122.0M).

Long Term Liabilities: EUC's short term assets (PLN118.1M) exceed its long term liabilities (PLN7.0M).


Debt to Equity History and Analysis

Debt Level: EUC's net debt to equity ratio (116.8%) is considered high.

Reducing Debt: EUC's debt to equity ratio has reduced from 128.8% to 121.5% over the past 5 years.

Debt Coverage: EUC's debt is well covered by operating cash flow (32.7%).

Interest Coverage: Insufficient data to determine if EUC's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is Europejskie Centrum Odszkodowan current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate EUC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate EUC's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if EUC's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if EUC's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: EUC is not paying a notable dividend for the Polish market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as EUC has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

10.7yrs

Average management tenure


CEO

Krzysztof Lewandowski

18.67yrs

Tenure

zł3,133,000

Compensation

Mr. Krzysztof Lewandowski has been the President of the Management Board at Europejskie Centrum Odszkodowan Spólka Akcyjna. since 2004. Mr. Lewandowski gained his first professional experiences in Legemet...


Leadership Team

Experienced Management: EUC's management team is seasoned and experienced (10.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Top 6 shareholders own 66.62% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
29.12%
Corpor Capital Sp. z o.o.
1,630,540PLN2.1m0%no data
28.82%
KL Investment sp. z o.o
1,614,191PLN2.1m0%no data
7.81%
Media Venture Capital Fundusz Inwestycyjny Zamkniety Aktywow Niepublicznych
437,107PLN568.2k27.71%no data
0.71%
Krzysztof Lewandowski
39,624PLN51.5k0%no data
0.11%
Agata Rosa-Kolodziej
6,083PLN7.9k0%no data
0.053%
Agnieszka Papaj
2,992PLN3.9k0%no data

Company Information

Europejskie Centrum Odszkodowan S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Europejskie Centrum Odszkodowan S.A.
  • Ticker: EUC
  • Exchange: WSE
  • Founded: 2004
  • Industry: Insurance Brokers
  • Sector: Insurance
  • Implied Market Cap: zł7.280m
  • Shares outstanding: 5.60m
  • Website: https://euco.pl

Number of Employees


Location

  • Europejskie Centrum Odszkodowan S.A.
  • ul. Sw. M. Kolbe 18
  • Legnica
  • 59-220
  • Poland


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EUCWSE (Warsaw Stock Exchange)YesBearer SharesPLPLNDec 2010

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/24 00:00
End of Day Share Price2022/09/23 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.