(VVV3) ÖKOWORLD - Ratings and Ratios
Pension Insurance, Investment Funds, Asset Management
Description: VVV3 ÖKOWORLD
ÖKOWORLD AG is a German company providing sustainable investment solutions, including private pension insurance, pension funds, and asset management services, targeting private individuals and sales partners. With a history dating back to 1975, the company has rebranded from versiko AG to ÖKOWORLD AG in 2013, signifying its commitment to sustainable investments.
From a financial perspective, ÖKOWORLD AG has demonstrated strong performance. The companys Return on Equity (RoE) stands at 33.18%, indicating efficient use of shareholder equity. With a market capitalization of 224.71M EUR, ÖKOWORLD AG is a relatively small-cap stock. Its Price-to-Earnings (P/E) ratio is 8.37, suggesting the stock may be undervalued compared to its earnings. To further assess the stocks value, additional KPIs such as Dividend Yield, Debt-to-Equity ratio, and Revenue Growth Rate would be useful. For instance, a high Dividend Yield could indicate an attractive income stream, while a low Debt-to-Equity ratio would suggest a healthy balance sheet.
ÖKOWORLD AG operates within the Insurance Brokers sub-industry, a sector that has seen significant growth due to increasing demand for pension and insurance products. The companys focus on sustainable investments aligns with the growing trend towards Environmental, Social, and Governance (ESG) investing. To evaluate ÖKOWORLD AGs competitive position, metrics such as market share, customer acquisition costs, and product offerings relative to peers would be essential. For example, a strong market share and diverse product portfolio could indicate a competitive advantage.
To make an informed investment decision, it is crucial to analyze ÖKOWORLD AGs financial statements, management team, and industry trends. A thorough examination of the companys annual reports, revenue breakdown, and key management team members experience would provide valuable insights. Additionally, monitoring industry trends, such as the shift towards digitalization and sustainable investing, would help investors understand ÖKOWORLD AGs growth prospects and potential challenges.
VVV3 Stock Overview
| Market Cap in USD | 244m |
| Sub-Industry | Insurance Brokers |
| IPO / Inception |
VVV3 Stock Ratings
| Growth Rating | 26.0% |
| Fundamental | 66.8% |
| Dividend Rating | 88.9% |
| Return 12m vs S&P 500 | -5.69% |
| Analyst Rating | - |
VVV3 Dividends
| Dividend Yield 12m | 8.42% |
| Yield on Cost 5y | 16.68% |
| Annual Growth 5y | 29.06% |
| Payout Consistency | 82.1% |
| Payout Ratio | 58.3% |
VVV3 Growth Ratios
| Growth Correlation 3m | 34.9% |
| Growth Correlation 12m | 44.6% |
| Growth Correlation 5y | -50.3% |
| CAGR 5y | 15.60% |
| CAGR/Max DD 5y | 0.20 |
| Sharpe Ratio 12m | -0.16 |
| Alpha | 2.60 |
| Beta | 0.335 |
| Volatility | 28.76% |
| Current Volume | 0.3k |
| Average Volume 20d | 0.4k |
| Stop Loss | 28.7 (-3%) |
| Signal | -0.16 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (48.4m TTM) > 0 and > 6% of Revenue (6% = 7.56m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -35.57pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 128.8% (prev 194.6%; Δ -65.79pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 2.50m <= Net Income 48.4m (YES >=105%, WARN >=100%) |
| Net Debt (-130.8m) to EBITDA (59.1m) ratio: -2.21 <= 3.0 (WARN <= 3.5) |
| Current Ratio 39.92 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (6.97m) change vs 12m ago NaN% (target <= -2.0% for YES) |
| Gross Margin 65.70% (prev 70.79%; Δ -5.09pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 76.82% (prev 45.08%; Δ 31.74pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1496 (EBITDA TTM 59.1m / Interest Expense TTM 39.0k) >= 6 (WARN >= 3) |
Altman Z'' 21.57
| (A) 0.96 = (Total Current Assets 166.4m - Total Current Liabilities 4.17m) / Total Assets 169.2m |
| (B) 0.86 = Retained Earnings (Balance) 146.2m / Total Assets 169.2m |
| warn (B) unusual magnitude: 0.86 — check mapping/units |
| (C) 0.36 = EBIT TTM 58.3m / Avg Total Assets 164.0m |
| (D) 9.59 = Book Value of Equity 153.5m / Total Liabilities 16.0m |
| Total Rating: 21.57 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.81
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 2.55% = 1.28 |
| 3. FCF Margin 1.51% = 0.38 |
| 4. Debt/Equity 0.10 = 2.49 |
| 5. Debt/Ebitda 0.27 = 2.44 |
| 6. ROIC - WACC 23.12% = 12.50 |
| 7. RoE 33.18% = 2.50 |
| 8. Rev. Trend -92.20% = -4.61 |
| 9. Rev. CAGR -23.47% = -2.50 |
| 10. EPS Trend 41.08% = 1.03 |
| 11. EPS CAGR 23.03% = 2.30 |
What is the price of VVV3 shares?
Over the past week, the price has changed by +0.00%, over one month by -2.63%, over three months by +1.17% and over the past year by +10.31%.
Is ÖKOWORLD a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of VVV3 is around 28.30 EUR . This means that VVV3 is currently overvalued and has a potential downside of -4.39%.
Is VVV3 a buy, sell or hold?
What are the forecasts/targets for the VVV3 price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41.2 | 39.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 31.1 | 4.9% |
VVV3 Fundamental Data Overview
Market Cap EUR = 209.2m (209.2m EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 150.5m EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 7.7953
P/S = 3.361
P/B = 1.3889
Beta = 1.332
Revenue TTM = 126.0m EUR
EBIT TTM = 58.3m EUR
EBITDA TTM = 59.1m EUR
Long Term Debt = 11.8m EUR (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 4.17m EUR (from totalCurrentLiabilities, last quarter)
Debt = 16.0m EUR (Calculated: Short Term 4.17m + Long Term 11.8m)
Net Debt = -130.8m EUR (from netDebt column, last quarter)
Enterprise Value = 74.7m EUR (209.2m + Debt 16.0m - CCE 150.5m)
Interest Coverage Ratio = 1496 (Ebit TTM 58.3m / Interest Expense TTM 39.0k)
FCF Yield = 2.55% (FCF TTM 1.91m / Enterprise Value 74.7m)
FCF Margin = 1.51% (FCF TTM 1.91m / Revenue TTM 126.0m)
Net Margin = 38.41% (Net Income TTM 48.4m / Revenue TTM 126.0m)
Gross Margin = 65.70% ((Revenue TTM 126.0m - Cost of Revenue TTM 43.2m) / Revenue TTM)
Tobins Q-Ratio = 0.49 (Enterprise Value 74.7m / Book Value Of Equity 153.5m)
Interest Expense / Debt = 0.24% (Interest Expense 39.0k / Debt 16.0m)
Taxrate = 26.04% (from yearly Income Tax Expense: 9.44m / 36.3m)
NOPAT = 43.1m (EBIT 58.3m * (1 - 26.04%))
Current Ratio = 39.92 (Total Current Assets 166.4m / Total Current Liabilities 4.17m)
Debt / Equity = 0.10 (Debt 16.0m / last Quarter total Stockholder Equity 153.2m)
Debt / EBITDA = 0.27 (Net Debt -130.8m / EBITDA 59.1m)
Debt / FCF = 8.39 (Debt 16.0m / FCF TTM 1.91m)
Total Stockholder Equity = 145.8m (last 4 quarters mean)
RoA = 28.60% (Net Income 48.4m, Total Assets 169.2m )
RoE = 33.18% (Net Income TTM 48.4m / Total Stockholder Equity 145.8m)
RoCE = 36.97% (Ebit 58.3m / (Equity 145.8m + L.T.Debt 11.8m))
RoIC = 29.87% (NOPAT 43.1m / Invested Capital 144.3m)
WACC = 6.75% (E(209.2m)/V(225.2m) * Re(7.25%)) + (D(16.0m)/V(225.2m) * Rd(0.24%) * (1-Tc(0.26)))
Shares Correlation 5-Years: 22.40 | Cagr: 0.22%
Discount Rate = 7.25% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈24.4m ; Y1≈30.2m ; Y5≈51.5m
Fair Price DCF = 306.4 (DCF Value 875.2m / Shares Outstanding 2.86m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: -92.20 | Revenue CAGR: -23.47%
Rev Growth-of-Growth: 70.15
EPS Correlation: 41.08 | EPS CAGR: 23.03%
EPS Growth-of-Growth: 16.60