| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | zł1.30 |
| 52 Week High | zł4.37 |
| 52 Week Low | zł1.26 |
| Beta | 0.89 |
| 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
| EUC | PL Insurance | PL 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
| EUC volatility | |
|---|---|
| EUC Average Weekly Movement | 7.1% |
| Insurance Industry Average Movement | 3.6% |
| Market Average Movement | 6.1% |
| 10% most volatile stocks in PL Market | 11.7% |
| 10% least volatile stocks in PL Market | 3.9% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2004 | 130 | Krzysztof Lewandowski | https://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
| EUC fundamental statistics | |
|---|---|
| Market Cap | zł7.28m |
| Earnings (TTM) | -zł22.46m |
| Revenue (TTM) | zł35.71m |
0.2x
P/S Ratio-0.3x
P/E RatioIs EUC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EUC income statement (TTM) | |
|---|---|
| Revenue | zł35.71m |
| Cost of Revenue | zł34.13m |
| Gross Profit | zł1.58m |
| Other Expenses | zł24.04m |
| Earnings | -zł22.46m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 25, 2022
| Earnings per share (EPS) | -4.01 |
| Gross Margin | 4.43% |
| Net Profit Margin | -62.90% |
| Debt/Equity Ratio | 121.5% |
How did EUC perform over the long term?
See historical performance and comparisonValuation
Is EUC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation 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.
| What is EUC's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | zł7.28m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 1.4x |
| Enterprise Value/EBITDA | -2.5x |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does EUC's PB Ratio compare to its peers?
| EUC PB Ratio vs Peers |
|---|
| Company | PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 4.6x | ||
VOT Votum | 6.1x | n/a | zł519.6m |
CABROKERS Caribbean Assurance Brokers | 1.8x | n/a | JA$682.5m |
PYDR Paydrive | 8.4x | n/a | kr56.1m |
7170 Chuou International Group | 2.1x | n/a | JP¥1.1b |
EUC Europejskie Centrum Odszkodowan | 0.2x | n/a | zł7.3m |
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.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 0.2x |
| Fair PB Ratio | n/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
0/6Future 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.
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- 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
0/6Past 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
3/6Financial 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
0/6Dividend 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.
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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
| Ownership | Name | Shares | Current Value | Change % | Portfolio % | |
|---|---|---|---|---|---|---|
| 1,630,540 | PLN2.1m | 0% | no data | |||
| 1,614,191 | PLN2.1m | 0% | no data | |||
| 437,107 | PLN568.2k | 27.71% | no data | |||
| 39,624 | PLN51.5k | 0% | no data | |||
| 6,083 | PLN7.9k | 0% | no data | |||
| 2,992 | PLN3.9k | 0% | 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| EUC | WSE (Warsaw Stock Exchange) | Yes | Bearer Shares | PL | PLN | Dec 2010 |
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/09/24 00:00 |
| End of Day Share Price | 2022/09/23 00:00 |
| Earnings | 2022/06/30 |
| Annual Earnings | 2021/12/31 |
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.