EUC

Europejskie Centrum OdszkodowanWSE:EUC Stock Report

Market Cap

zł25.2m

7D

-9.8%

1Y

-5.3%

Updated

18 Sep, 2021

Data

Company Financials
EUC fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance1/6
Financial Health3/6
Dividends0/6

EUC 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.

Price History & Performance

Summary of all time highs, changes and price drops for Europejskie Centrum Odszkodowan
Historical stock prices
Current Share Pricezł4.50
52 Week Highzł3.30
52 Week Lowzł5.68
Beta0.77
1 Month Change0%
3 Month Change-10.00%
1 Year Change-5.26%
3 Year Change-52.73%
5 Year Change-87.77%
Change since IPO-75.11%

Recent News & Updates

Shareholder Returns

EUCPL InsurancePL Market
7D-9.8%-0.6%-0.5%
1Y-5.3%18.5%41.2%

Return vs Industry: EUC underperformed the Polish Insurance industry which returned 18.5% over the past year.

Return vs Market: EUC underperformed the Polish Market which returned 41.2% over the past year.

Price Volatility

Is EUC's price volatile compared to industry and market?
EUC volatility
EUC Beta0.77
Industry Beta1.12
Market Beta1

Stable Share Price: EUC is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: EUC's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2004174Krzysztof 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.

Valuation

Is Europejskie Centrum Odszkodowan undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EUC (PLN4.5) is trading below our estimate of fair value (PLN11)

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


Price To Earnings Ratio

PE vs Industry: EUC is good value based on its PE Ratio (3.8x) compared to the European Insurance industry average (11.1x).

PE vs Market: EUC is good value based on its PE Ratio (3.8x) compared to the Polish market (13.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate EUC's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: EUC is good value based on its PB Ratio (0.4x) compared to the XE Insurance industry average (1.1x).


Future Growth

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

8.1%

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.


Past Performance

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

-36.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EUC has high quality earnings.

Growing Profit Margin: EUC's current net profit margins (11.3%) are lower than last year (11.5%).


Past Earnings Growth Analysis

Earnings Trend: EUC's earnings have declined by 36% per year over the past 5 years.

Accelerating Growth: EUC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: EUC had negative earnings growth (-14.6%) over the past year, making it difficult to compare to the Insurance industry average (12.4%).


Return on Equity

High ROE: EUC's Return on Equity (11.5%) is considered low.


Financial Health

How is Europejskie Centrum Odszkodowan's financial position?


Financial Position Analysis

Short Term Liabilities: EUC's short term assets (PLN129.7M) exceed its short term liabilities (PLN91.3M).

Long Term Liabilities: EUC's short term assets (PLN129.7M) exceed its long term liabilities (PLN41.7M).


Debt to Equity History and Analysis

Debt Level: EUC's debt to equity ratio (79.5%) is considered high.

Reducing Debt: EUC's debt to equity ratio has increased from 39.2% to 79.5% over the past 5 years.

Debt Coverage: EUC's debt is not well covered by operating cash flow (4.2%).

Interest Coverage: EUC's interest payments on its debt are well covered by EBIT (4.3x coverage).


Balance Sheet


Dividend

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


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.


Current Payout to Shareholders

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


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of EUC's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.


Next Steps

Management

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

13.7yrs

Average management tenure


CEO

Krzysztof Lewandowski

17.67yrs

Tenure

zł1,617,000

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 (13.7 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

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
  • Market Cap: zł25.200m
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/18 17:03
End of Day Share Price2021/09/17 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.