| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 1/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | zł4.50 |
| 52 Week High | zł3.30 |
| 52 Week Low | zł5.68 |
| Beta | 0.77 |
| 1 Month Change | 0% |
| 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
| EUC | PL Insurance | PL 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
| EUC volatility | |
|---|---|
| EUC Beta | 0.77 |
| Industry Beta | 1.12 |
| Market Beta | 1 |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2004 | 174 | 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.
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/18 17:03 |
| End of Day Share Price | 2021/09/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.