(VOT) Votum - Ratings and Ratios
Legal Services, Claims Management, Insurance Assistance, Consulting Services
VOT EPS (Earnings per Share)
VOT Revenue
Description: VOT Votum
Votum S.A., a Wroclaw, Poland-based company founded in 2005, specializes in assisting victims of road accidents in obtaining compensation from insurance companies. With a unique business model, the company has established itself as a leader in the Polish market. Their expertise lies in navigating the complex process of claiming compensation, providing a valuable service to those affected by road accidents.
From a technical analysis perspective, Votums stock (WAR:VOT) has demonstrated a strong upward trend, with its last price of 44.70 PLN being close to its 52-week high of 45.15 PLN. The stocks moving averages indicate a bullish trend, with the SMA20, SMA50, and SMA200 at 42.52, 40.53, and 33.29, respectively, suggesting a continued upward momentum. The ATR of 1.43, representing a 3.20% fluctuation, indicates a moderate level of volatility. Based on this technical data, a potential price target could be 50 PLN, a 11.8% increase from the current price.
Fundamentally, Vot a market capitalization of 531.00M PLN, with a P/E ratio of 3.81, indicating a relatively undervalued stock. The companys Return on Equity (RoE) of 43.82% suggests a highly profitable business model. With the insurance industry in Poland being a significant and growing market, Vot is well-positioned to capitalize on this trend. As the company continues to expand its services, a forecasted increase in revenue and profitability could drive the stock price upwards.
Combining the technical and fundamental analysis, a forecast for Votums stock could be a continued upward trend, driven by the companys strong business model, growing market, and favorable technical indicators. A potential price target of 55 PLN, a 23% increase from the current price, could be achieved within the next 6-12 months, driven by the companys continued growth and profitability.
VOT Stock Overview
| Market Cap in USD | 145m |
| Sub-Industry | Diversified Support Services |
| IPO / Inception |
VOT Stock Ratings
| Growth Rating | 86.7% |
| Fundamental | 92.3% |
| Dividend Rating | 83.4% |
| Return 12m vs S&P 500 | 33.3% |
| Analyst Rating | - |
VOT Dividends
| Dividend Yield 12m | 12.89% |
| Yield on Cost 5y | 52.33% |
| Annual Growth 5y | 46.68% |
| Payout Consistency | 63.7% |
| Payout Ratio | 52.3% |
VOT Growth Ratios
| Growth Correlation 3m | 43.3% |
| Growth Correlation 12m | 89% |
| Growth Correlation 5y | 70.2% |
| CAGR 5y | 36.62% |
| CAGR/Max DD 5y | 0.70 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | 54.56 |
| Beta | 0.525 |
| Volatility | 34.94% |
| Current Volume | 4.6k |
| Average Volume 20d | 6.7k |
| Stop Loss | 42.9 (-3.6%) |
| Signal | 0.04 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (136.3m TTM) > 0 and > 6% of Revenue (6% = 27.2m TTM) |
| FCFTA 0.22 (>2.0%) and ΔFCFTA 15.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 51.57% (prev 50.76%; Δ 0.81pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.23 (>3.0%) and CFO 146.7m > Net Income 136.3m (YES >=105%, WARN >=100%) |
| Net Debt (-88.5m) to EBITDA (139.1m) ratio: -0.64 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (12.0m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 98.99% (prev 98.99%; Δ -0.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 81.42% (prev 81.44%; Δ -0.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 49.60 (EBITDA TTM 139.1m / Interest Expense TTM 2.80m) >= 6 (WARN >= 3) |
Altman Z'' 7.30
| (A) 0.37 = (Total Current Assets 367.0m - Total Current Liabilities 133.3m) / Total Assets 639.9m |
| (B) 0.56 = Retained Earnings (Balance) 358.5m / Total Assets 639.9m |
| (C) 0.25 = EBIT TTM 139.1m / Avg Total Assets 556.6m |
| (D) 1.33 = Book Value of Equity 358.5m / Total Liabilities 268.6m |
| Total Rating: 7.30 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 92.32
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 31.99% = 5.0 |
| 3. FCF Margin 31.11% = 7.50 |
| 4. Debt/Equity 0.04 = 2.50 |
| 5. Debt/Ebitda 0.12 = 2.49 |
| 6. ROIC - WACC 26.52% = 12.50 |
| 7. RoE 43.82% = 2.50 |
| 8. Rev. Trend 62.06% = 3.10 |
| 9. Rev. CAGR 18.43% = 2.30 |
| 10. EPS Trend 37.68% = 0.94 |
| 11. EPS CAGR 19.86% = 1.99 |
What is the price of VOT shares?
Over the past week, the price has changed by -1.11%, over one month by -1.87%, over three months by +6.97% and over the past year by +57.71%.
Is Votum a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of VOT is around 59.05 PLN . This means that VOT is currently undervalued and has a potential upside of +32.7% (Margin of Safety).
Is VOT a buy, sell or hold?
What are the forecasts/targets for the VOT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.1 | -79.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 65.4 | 47% |
VOT Fundamental Data Overview
Market Cap PLN = 529.2m (529.2m PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 104.6m PLN (Cash only, last quarter)
P/E Trailing = 3.7984
P/S = 1.1679
P/B = 1.4484
Beta = 0.594
Revenue TTM = 453.1m PLN
EBIT TTM = 139.1m PLN
EBITDA TTM = 139.1m PLN
Long Term Debt = 5.08m PLN (from longTermDebt, last quarter)
Short Term Debt = 11.1m PLN (from shortLongTermDebt, last quarter)
Debt = 16.2m PLN (Calculated: Short Term 11.1m + Long Term 5.08m)
Net Debt = -88.5m PLN (calculated as Total Debt 16.2m - CCE 104.6m)
Enterprise Value = 440.7m PLN (529.2m + Debt 16.2m - CCE 104.6m)
Interest Coverage Ratio = 49.60 (Ebit TTM 139.1m / Interest Expense TTM 2.80m)
FCF Yield = 31.99% (FCF TTM 141.0m / Enterprise Value 440.7m)
FCF Margin = 31.11% (FCF TTM 141.0m / Revenue TTM 453.1m)
Net Margin = 30.07% (Net Income TTM 136.3m / Revenue TTM 453.1m)
Gross Margin = 98.99% ((Revenue TTM 453.1m - Cost of Revenue TTM 4.58m) / Revenue TTM)
Tobins Q-Ratio = 1.23 (Enterprise Value 440.7m / Book Value Of Equity 358.5m)
Interest Expense / Debt = 3.27% (Interest Expense 528.0k / Debt 16.2m)
Taxrate = 19.47% (from yearly Tax Provision: 27.9m / 143.3m)
NOPAT = 112.0m (EBIT 139.1m * (1 - 19.47%))
Current Ratio = 2.75 (Total Current Assets 367.0m / Total Current Liabilities 133.3m)
Debt / Equity = 0.04 (Debt 16.2m / last Quarter total Stockholder Equity 365.4m)
Debt / EBITDA = 0.12 (Net Debt -88.5m / EBITDA 139.1m)
Debt / FCF = 0.11 (Debt 16.2m / FCF TTM 141.0m)
Total Stockholder Equity = 311.0m (last 4 quarters mean)
RoA = 21.30% (Net Income 136.3m, Total Assets 639.9m )
RoE = 43.82% (Net Income TTM 136.3m / Total Stockholder Equity 311.0m)
RoCE = 44.01% (Ebit 139.1m / (Equity 311.0m + L.T.Debt 5.08m))
RoIC = 34.31% (NOPAT 112.0m / Invested Capital 326.5m)
WACC = 7.79% (E(529.2m)/V(545.4m) * Re(7.95%)) + (D(16.2m)/V(545.4m) * Rd(3.27%) * (1-Tc(0.19)))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈97.5m ; Y1≈120.3m ; Y5≈205.2m
Fair Price DCF = 290.9 (DCF Value 3.49b / Shares Outstanding 12.0m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 62.06 | Revenue CAGR: 18.43%
Rev Growth-of-Growth: 1.65
EPS Correlation: 37.68 | EPS CAGR: 19.86%
EPS Growth-of-Growth: 3.44