Europejskie Centrum Odszkodowan (WAR:EUC) Operating Income: zł15.68 Mil (TTM As of Sep. 2025)

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WAR:EUC Europejskie Centrum Odszkodowan SA WAR:EUC
36 GF Score
Price zł0.51
! 8 Warning Signs
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What is Europejskie Centrum Odszkodowan Operating Income?

Europejskie Centrum Odszkodowan WAR:EUC 36 Operating Income is zł15.68 Mil as of Sep. 2025. GuruFocus rates WAR:EUC with a GF Score™ of 36/100. The stock has 8 warning signs investors should review.

Europejskie Centrum Odszkodowan's Operating Income for the three months ended in Sep. 2025 was zł-0.24 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Sep. 2025 was zł15.68 Mil.

Warning Sign:

Europejskie Centrum Odszkodowan SA had lost money in 58% of the time over the past 12quarters.

Operating Margin % is calculated as Operating Income divided by its Revenue. Europejskie Centrum Odszkodowan's Operating Income for the three months ended in Sep. 2025 was zł-0.24 Mil. Europejskie Centrum Odszkodowan's Revenue for the three months ended in Sep. 2025 was zł3.57 Mil. Therefore, Europejskie Centrum Odszkodowan's Operating Margin % for the quarter that ended in Sep. 2025 was -6.69%.

Europejskie Centrum Odszkodowan's 5-Year average Growth Rate for Operating Margin % was 0.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Europejskie Centrum Odszkodowan's annualized ROC % for the quarter that ended in Sep. 2025 was -6.28%. Europejskie Centrum Odszkodowan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2025 was -11.35%.


Europejskie Centrum Odszkodowan  (WAR:EUC) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Europejskie Centrum Odszkodowan's annualized ROC % for the quarter that ended in Sep. 2025 is calculated as:

ROC % (Q: Sep. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Sep. 2025 ))/ count )
=-0.956 * ( 1 - 0% )/( (15.501 + 14.933)/ 2 )
=-0.956/15.217
=-6.28 %

where

Note: The Operating Income data used here is four times the quarterly (Sep. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Europejskie Centrum Odszkodowan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Sep. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Sep. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-0.312/( ( (2.896 + max(-33.09, 0)) + (2.601 + max(-34.368, 0)) )/ 2 )
=-0.312/( ( 2.896 + 2.601 )/ 2 )
=-0.312/2.7485
=-11.35 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.377 + 0 + 0.706) - (27.659 + 0 + 6.514)
=-33.09

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.456 + 0 + 0.704) - (28.86 + 0 + 6.668)
=-34.368

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Sep. 2025) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Europejskie Centrum Odszkodowan's Operating Margin % for the quarter that ended in Sep. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Sep. 2025 )/Revenue (Q: Sep. 2025 )
=-0.239/3.571
=-6.69 %

* 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.

4. 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 Operating Income growth rate using Operating Income per share data.


Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


Europejskie Centrum Odszkodowan Operating Income Related Terms


Europejskie Centrum Odszkodowan Operating Income Historical Data

* Premium members only.

The historical data trend for Europejskie Centrum Odszkodowan's Operating Income 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 Operating Income Chart

Europejskie Centrum Odszkodowan Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Operating Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.63 1.10 -20.35 -0.55 12.50

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
Operating Income 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 0.24 15.32 0.38 0.22 -0.24
WAR:EUC
36GF Score
Europejskie Centrum Odszkodowan SA WAR:EUC
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Europejskie Centrum Odszkodowan Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was zł15.68 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of zł15.68 Mil mean?
Europejskie Centrum Odszkodowan (WAR:EUC) has a Operating Income of zł15.68 Mil as of Sep. 2025. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Europejskie Centrum Odszkodowan and its competitors.
Is Europejskie Centrum Odszkodowan's Operating Income too high?
Europejskie Centrum Odszkodowan's current Operating Income is zł15.68 Mil. 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 Operating Income compare to MRSH and AON?
Europejskie Centrum Odszkodowan's Operating Income of zł15.68 Mil 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 Operating Income for an Insurance company?
A good Operating Income depends on the Insurance industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Europejskie Centrum Odszkodowan and its competitors. Europejskie Centrum Odszkodowan's current Operating Income is zł15.68 Mil. 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 Operating Income of zł15.68 Mil. The current Operating Income is zł15.68 Mil. 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 Operating Income calculated?
Operating Income is calculated from a company's financial statements. For Europejskie Centrum Odszkodowan (WAR:EUC), the current Operating Income is zł15.68 Mil 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

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Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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