Europejskie Centrum Odszkodowan S.A (EUC) Fair Value & Analysis
Financial Services · PL · Market cap 2.9M PLN
Fair value as of: Jul 12, 2026
From 12 valuation models · updated 29 days ago
Fair value updated Jul 12, 2026, revised from 0.5515 PLN to 0.6115 PLN (+10.9%) since Jun 26, 2026.
A solid business, screening 20% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 0.4586 PLN (bear) to 0.7674 PLN (bull), base 0.6115 PLN. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 55/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range 0.4060 PLN – 8.10 PLN · fair‑value band 0.4586 PLN – 0.7674 PLN · the 0.5100 PLN price screens below the 0.6115 PLN fair value. Dashed = 300-day average. As of Jul 12, 2026.
Analysis
Europejskie Centrum Odszkodowan S.A (EUC) currently trades at 0.5100 PLN, while our model-based Fair Value estimate is 0.6115 PLN, implying the stock looks roughly 19.9% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Europejskie Centrum Odszkodowan S.A generated revenue of 15.5M PLN at a net margin of 84.4%. Revenue grew 0.5% year over year. It earns a return on equity of -54.9%. Net debt stands at 23.2M PLN. Fundamentals as of Jul 12, 2026
Our scenario range runs from 0.4586 PLN (bear case) to 0.7674 PLN (bull case); at 0.5100 PLN, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 20%, EUC screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 12 models by family
Widest divergence: Growth Earnings (73.45 PLN) versus Economic Profit (10.34 PLN). Highest evidence: ROIC Compounder (72).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 8
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Europejskie Centrum Odszkodowan S.A. engages in the provision of legal and financial assistance to 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2020 – FY2024 · reported fiscal years
Europejskie Centrum Odszkodowan S.A reported revenue of 13.3M PLN in FY2024 versus 59.9M PLN in FY2020, a compound −31.3%/yr. Reported net income was 10.2M PLN in FY2024, compounding +10.4%/yr from FY2020.
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Peer Group
Insurance Brokers · 35 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $182.18 | $112.25 | -38% |
| Aon plc AON | $367.21 | $224.91 | -39% |
| Arthur J. Gallagher & Co AJG | $253.09 | $75.58 | -70% |
| Willis Towers Watson Public Limited WTW | $285.12 | $220.92 | -23% |
| Brown & Brown, Inc BRO | $67.66 | $40.43 | -40% |
| Erie Indemnity Company ERIE | $227.31 | $157.43 | -31% |
| PB Fintech Limited POLICYBZR | ₹1,574 | ₹188.49 | -88% |
| Neptune Insurance Holdings NP | $31.03 | $3.52 | -89% |
| CorVel Corporation CRVL | $62.29 | $47.59 | -24% |
| Accelerant Holdings ARX | $13.52 | $18.06 | +34% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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