Stock EUC EUROPEJSKIE CENTRUM ODSZKODOWAN S.A.
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Financials Europejskie Centrum Odszkodowan S.A.

Equities

EUC

PLERPCO00017

Multiline Insurance & Brokers

Market Closed - Warsaw S.E.
Other stock markets
 11:55:41 2024-05-02 am EDT 		5-day change 1st Jan Change
1.1 PLN -0.45% Intraday chart for Europejskie Centrum Odszkodowan S.A. -2.65% +74.60%
2023 Europejskie Centrum Odszkodowan S.A. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI
2023 Europejskie Centrum Odszkodowan S.A. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 115.9 30.35 16.52 22.46 20.16 4.211
Enterprise Value (EV) 1 167.2 66.56 49.46 54.64 55.44 44.48
P/E ratio 8.15 x 2.82 x 2.27 x 3.27 x -1 x -0.04 x
Yield - - - - - -
Capitalization / Revenue 1.18 x 0.36 x 0.22 x 0.36 x 0.45 x 0.16 x
EV / Revenue 1.7 x 0.8 x 0.66 x 0.88 x 1.23 x 1.65 x
EV / EBITDA 7.14 x 3.02 x 3.45 x 4.32 x -3.32 x -0.63 x
EV / FCF 8.96 x 3.07 x -411 x -32.2 x -7.43 x 1.17 x
FCF Yield 11.2% 32.6% -0.24% -3.1% -13.5% 85.3%
Price to Book 2.5 x 0.72 x 0.37 x 0.41 x 0.57 x -0.05 x
Nbr of stocks (in thousands) 5,600 5,600 5,600 5,600 5,600 5,600
Reference price 2 20.69 5.420 2.950 4.010 3.600 0.7520
Announcement Date 3/29/18 4/29/19 4/30/20 4/26/21 4/30/22 4/30/23
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 98.29 83.39 74.64 62.02 45.05 26.89
EBITDA 1 23.4 22.02 14.32 12.65 -16.72 -70.72
EBIT 1 20.87 18.34 12.24 10.98 -18.13 -71.2
Operating Margin 21.23% 21.99% 16.4% 17.7% -40.23% -264.79%
Earnings before Tax (EBT) 1 18.01 16.17 9.076 8.789 -20.43 -107.1
Net income 1 14.22 10.75 7.281 6.872 -20.14 -104.6
Net margin 14.47% 12.89% 9.76% 11.08% -44.69% -388.84%
EPS 2 2.540 1.919 1.300 1.227 -3.596 -18.67
Free Cash Flow 1 18.66 21.67 -0.1204 -1.696 -7.465 37.94
FCF margin 18.98% 25.99% -0.16% -2.73% -16.57% 141.09%
FCF Conversion (EBITDA) 79.72% 98.41% - - - -
FCF Conversion (Net income) 131.15% 201.68% - - - -
Dividend per Share - - - - - -
Announcement Date 3/29/18 4/29/19 4/30/20 4/26/21 4/30/22 4/30/23
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 51.3 36.2 32.9 32.2 35.3 40.3
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 2.192 x 1.644 x 2.299 x 2.544 x -2.11 x -0.5694 x
Free Cash Flow 1 18.7 21.7 -0.12 -1.7 -7.47 37.9
ROE (net income / shareholders' equity) 27.7% 25% 17.5% 13.8% -44.2% 468%
ROA (Net income/ Total Assets) 8.61% 6.28% 4.17% 3.62% -6.32% -46%
Assets 1 165.2 171 174.6 190 318.4 227.5
Book Value Per Share 2 8.270 7.520 7.970 9.750 6.270 -14.30
Cash Flow per Share 2 3.240 2.050 2.690 2.510 1.120 0.1300
Capex 1 0.91 2.3 0.5 0.55 1.05 1.07
Capex / Sales 0.93% 2.75% 0.67% 0.89% 2.33% 3.96%
Announcement Date 3/29/18 4/29/19 4/30/20 4/26/21 4/30/22 4/30/23
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Insurance Brokers

1st Jan change Capi.
EUROPEJSKIE CENTRUM ODSZKODOWAN S.A. Stock Europejskie Centrum Odszkodowan S.A.
+74.60% 1.52M
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ARTHUR J. GALLAGHER & CO. Stock Arthur J. Gallagher & Co.
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+4.47% 25.81B
BROWN & BROWN, INC. Stock Brown & Brown, Inc.
+17.42% 23.63B
CAIXA SEGURIDADE PARTICIPAÇÕES S.A. Stock Caixa Seguridade Participações S.A.
+27.44% 9.33B
RYAN SPECIALTY HOLDINGS, INC. Stock Ryan Specialty Holdings, Inc.
+19.69% 6.29B
AUB GROUP LIMITED Stock AUB Group Limited
+2.59% 2B
BRP GROUP, INC. Stock BRP Group, Inc.
+14.65% 1.8B
GOOSEHEAD INSURANCE, INC Stock Goosehead Insurance, Inc
-22.65% 1.49B
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