Europejskie Centrum Odszkodowan (WAR:EUC) Cyclically Adjusted Book per Share: zł3.85 (As of Sep. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WAR:EUC Europejskie Centrum Odszkodowan SA WAR:EUC
36 GF Score
Price zł0.51
! 8 Warning Signs
View Full Analysis

What is Europejskie Centrum Odszkodowan Cyclically Adjusted Book per Share?

Europejskie Centrum Odszkodowan WAR:EUC 36 Cyclically Adjusted Book per Share is zł3.85 as of Sep. 2025. GuruFocus rates WAR:EUC with a GF Score™ of 36/100. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Europejskie Centrum Odszkodowan's adjusted book value per share for the three months ended in Sep. 2025 was zł-14.451. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł3.85 for the trailing ten years ended in Sep. 2025.

During the past 12 months, Europejskie Centrum Odszkodowan's average Cyclically Adjusted Book Growth Rate was -38.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -13.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Europejskie Centrum Odszkodowan was -13.80% per year. The lowest was -13.80% per year. And the median was -13.80% per year.

As of today (2026-07-24), Europejskie Centrum Odszkodowan's current stock price is zł0.51. Europejskie Centrum Odszkodowan's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2025 was zł3.85. Europejskie Centrum Odszkodowan's Cyclically Adjusted PB Ratio of today is 0.13.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Europejskie Centrum Odszkodowan was 1.59. The lowest was 0.05. And the median was 0.15.


Europejskie Centrum Odszkodowan  (WAR:EUC) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Europejskie Centrum Odszkodowan's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.51/3.85
=0.13

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Europejskie Centrum Odszkodowan was 1.59. The lowest was 0.05. And the median was 0.15.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Europejskie Centrum Odszkodowan Cyclically Adjusted Book per Share Related Terms


Europejskie Centrum Odszkodowan Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Europejskie Centrum Odszkodowan's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Europejskie Centrum Odszkodowan Cyclically Adjusted Book per Share Chart

Europejskie Centrum Odszkodowan Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 8.89 9.59 7.91 5.70

Europejskie Centrum Odszkodowan Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.29 5.70 5.11 4.50 3.85

WAR:EUC vs MRSH, AON, AJG: Cyclically Adjusted Book per Share Comparison

For the Insurance Brokers subindustry, Europejskie Centrum Odszkodowan's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Europejskie Centrum Odszkodowan Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Europejskie Centrum Odszkodowan's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Europejskie Centrum Odszkodowan's Cyclically Adjusted PB Ratio falls into.


WAR:EUC
36GF Score
Europejskie Centrum Odszkodowan SA WAR:EUC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Europejskie Centrum Odszkodowan Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Europejskie Centrum Odszkodowan's adjusted Book Value per Share data for the three months ended in Sep. 2025 was:

Adj_Book= Book Value per Share /CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=-14.451/158.0000*158.0000
=-14.451

Current CPI (Sep. 2025) = 158.0000.

Europejskie Centrum Odszkodowan Quarterly Data

Book Value per Share CPI Adj_Book
201512 8.592 99.471 13.648
201603 9.701 98.983 15.485
201606 7.983 99.552 12.670
201609 8.866 99.064 14.141
201612 9.747 100.366 15.344
201703 9.535 101.018 14.914
201706 8.352 101.180 13.042
201709 7.615 101.343 11.872
201712 8.212 102.564 12.651
201803 8.514 102.564 13.116
201806 9.108 103.378 13.920
201809 9.504 103.378 14.526
201812 7.519 103.785 11.447
201903 7.678 104.274 11.634
201906 7.972 105.983 11.885
201909 8.428 105.983 12.565
201912 7.968 107.123 11.752
202003 8.202 109.076 11.881
202006 8.547 109.402 12.344
202009 8.674 109.320 12.536
202012 9.747 109.565 14.056
202103 9.976 112.658 13.991
202106 10.194 113.960 14.133
202109 10.515 115.588 14.373
202112 6.269 119.088 8.317
202203 6.321 125.031 7.988
202206 6.208 131.705 7.447
202209 5.912 135.531 6.892
202212 -14.303 139.113 -16.245
202303 -14.744 145.950 -15.961
202306 -15.554 147.009 -16.717
202309 -15.532 146.113 -16.796
202312 -16.420 147.741 -17.560
202403 -16.647 149.044 -17.647
202406 -16.979 150.997 -17.766
202409 -16.889 153.439 -17.391
202412 -14.561 154.660 -14.875
202503 -14.436 157.021 -14.526
202506 -14.391 157.509 -14.436
202509 -14.451 158.000 -14.451

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł3.85 mean?
Europejskie Centrum Odszkodowan (WAR:EUC) has a Cyclically Adjusted Book per Share of zł3.85 as of Sep. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Europejskie Centrum Odszkodowan and its competitors.
Is Europejskie Centrum Odszkodowan's Cyclically Adjusted Book per Share too high?
Europejskie Centrum Odszkodowan's current Cyclically Adjusted Book per Share is zł3.85. Overall, Europejskie Centrum Odszkodowan has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Europejskie Centrum Odszkodowan's Cyclically Adjusted Book per Share compare to MRSH and AON?
Europejskie Centrum Odszkodowan's Cyclically Adjusted Book per Share of zł3.85 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Europejskie Centrum Odszkodowan and its competitors. Europejskie Centrum Odszkodowan's current Cyclically Adjusted Book per Share is zł3.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Europejskie Centrum Odszkodowan stock overvalued right now?
Europejskie Centrum Odszkodowan (WAR:EUC) has a current Cyclically Adjusted Book per Share of zł3.85. The current Cyclically Adjusted Book per Share is zł3.85. Europejskie Centrum Odszkodowan's overall GF Score™ is 36/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Europejskie Centrum Odszkodowan (WAR:EUC), the current Cyclically Adjusted Book per Share is zł3.85 as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Europejskie Centrum Odszkodowan Business Description

Address M. Kolbego 18, Legnica, POL, 59-220
Europejskie Centrum Odszkodowan SA helps accident victims and their families in receiving compensation and benefits from insurance companies. The company helps in claims related to personal injury, medical malpractice, property damage, agriculture accident, accident at work, trip or slip, and others.
36GF Score

Get the complete analysis for WAR:EUC

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.51
Price