Votum S.A. provides assistance for obtaining compensation in Central and Eastern Europe.
Price History & Performance
|Historical stock prices|
|Current Share Price||zł13.94|
|52 Week High||zł10.05|
|52 Week Low||zł20.90|
|1 Month Change||-9.60%|
|3 Month Change||-14.48%|
|1 Year Change||10.64%|
|3 Year Change||172.27%|
|5 Year Change||12.06%|
|Change since IPO||238.35%|
Recent News & Updates
|VOT||PL Insurance||PL Market|
Return vs Industry: VOT underperformed the Polish Insurance industry which returned 26.7% over the past year.
Return vs Market: VOT underperformed the Polish Market which returned 44.1% over the past year.
Stable Share Price: VOT is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: VOT's weekly volatility (4%) has been stable over the past year.
About the Company
Votum S.A. provides assistance for obtaining compensation in Central and Eastern Europe. It helps people injured in accidents to obtain due compensation; and assistance at every stage of the compensation procedure. The company was founded in 2005 and is based in Wroclaw, Poland.
Votum Fundamentals Summary
|VOT fundamental statistics|
Is VOT overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|VOT income statement (TTM)|
|Cost of Revenue||zł52.26m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Nov 29, 2021
|Earnings per share (EPS)||0.55|
|Net Profit Margin||3.89%|
How did VOT perform over the long term?See historical performance and comparison
2.5%Current Dividend Yield
Is Votum undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: VOT (PLN13.94) is trading above our estimate of fair value (PLN13.54)
Significantly Below Fair Value: VOT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: VOT is poor value based on its PE Ratio (25.1x) compared to the European Insurance industry average (10.9x).
PE vs Market: VOT is poor value based on its PE Ratio (25.1x) compared to the Polish market (13x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate VOT's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: VOT is overvalued based on its PB Ratio (2.7x) compared to the XE Insurance industry average (1.1x).
How is Votum forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Votum 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.
How has Votum performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: VOT has high quality earnings.
Growing Profit Margin: VOT's current net profit margins (3.9%) are lower than last year (8.6%).
Past Earnings Growth Analysis
Earnings Trend: VOT's earnings have grown by 1.7% per year over the past 5 years.
Accelerating Growth: VOT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: VOT had negative earnings growth (-47.2%) over the past year, making it difficult to compare to the Insurance industry average (11.7%).
Return on Equity
High ROE: VOT's Return on Equity (9.5%) is considered low.
How is Votum's financial position?
Financial Position Analysis
Short Term Liabilities: VOT's short term assets (PLN60.1M) exceed its short term liabilities (PLN48.4M).
Long Term Liabilities: VOT's short term assets (PLN60.1M) exceed its long term liabilities (PLN17.5M).
Debt to Equity History and Analysis
Debt Level: VOT's debt to equity ratio (42.8%) is considered high.
Reducing Debt: VOT's debt to equity ratio has reduced from 56.1% to 42.8% over the past 5 years.
Debt Coverage: VOT's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: VOT's interest payments on its debt are well covered by EBIT (16.2x coverage).
What is Votum current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: VOT's dividend (2.51%) is higher than the bottom 25% of dividend payers in the Polish market (2.21%).
High Dividend: VOT's dividend (2.51%) is low compared to the top 25% of dividend payers in the Polish market (6.22%).
Stability and Growth of Payments
Stable Dividend: VOT's dividend payments have been volatile in the past 10 years.
Growing Dividend: VOT's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (63.1%), VOT's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Bartlomiej Krupa serves as President of the Management Board and served as a Vice President of Management Board at Votum S.A.
Experienced Board: VOT's board of directors are seasoned and experienced ( 14.2 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Votum S.A.'s employee growth, exchange listings and data sources
- Name: Votum S.A.
- Ticker: VOT
- Exchange: WSE
- Founded: 2005
- Industry: Insurance Brokers
- Sector: Insurance
- Market Cap: zł167.280m
- Shares outstanding: 12.00m
- Website: https://www.votum-sa.pl
Number of Employees
- Votum S.A.
- ul. Wyscigowa 56
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/27 17:04|
|End of Day Share Price||2021/09/27 00:00|
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.