Benefit Systems (FRA:3ZV) PEG Ratio: 0.38 (As of Jul. 15, 2026) — 51% Below Median

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.

FRA:3ZV Benefit Systems SA FRA:3ZV
91 GF Score
Price €1,163.00
GF Value €909.32
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Benefit Systems PEG Ratio?

Benefit Systems FRA:3ZV +3.93% 91 PEG Ratio is 0.38 as of Jul. 15, 2026, which is 51% below its 10-year median of 0.78. GuruFocus rates FRA:3ZV with a GF Score™ of 91/100 and a GF Value™ of €909.32 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 210 Travel & Leisure companies, Benefit Systems ranks better than 74.29% on this metric.

PE Ratio without NRI / 5-Year EBITDA Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, Benefit Systems's PE Ratio without NRI is 22.13. Benefit Systems's 5-Year EBITDA growth rate is 59.00%. Therefore, Benefit Systems's PEG Ratio for today is 0.38.

* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for Benefit Systems's PEG Ratio or its related term are showing as below:

FRA:3ZV' s PEG Ratio Range Over the Past 10 Years
Min: 0.23   Med: 0.78   Max: 17.46
Current: 0.38


During the past 13 years, Benefit Systems's highest PEG Ratio was 17.46. The lowest was 0.23. And the median was 0.78.


FRA:3ZV's PEG Ratio is ranked better than
74.29% of 210 companies
in the Travel & Leisure industry
Industry Median: 0.695 vs FRA:3ZV: 0.38

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


Benefit Systems  (FRA:3ZV) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


Benefit Systems PEG Ratio Related Terms


Benefit Systems PEG Ratio Historical Data

* Premium members only.

The historical data trend for Benefit Systems's PEG Ratio 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.

Benefit Systems PEG Ratio Chart

Benefit Systems Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PEG Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 1.04 0.42 0.40 0.27

Benefit Systems Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PEG Ratio 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 0.38 0.36 0.28 0.27 0.22

FRA:3ZV vs AS, HAS, LTH: PEG Ratio Comparison

For the Leisure subindustry, Benefit Systems's PEG Ratio, along with its competitors' market caps and PEG 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.


Benefit Systems PEG Ratio vs Travel & Leisure Industry

For the Travel & Leisure industry and Consumer Cyclical sector, Benefit Systems's PEG Ratio distribution charts can be found below:

* The bar in red indicates where Benefit Systems's PEG Ratio falls into.


FRA:3ZV
91GF Score
Benefit Systems SA FRA:3ZV
PEG Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Benefit Systems PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year EBITDA growth rate.

Benefit Systems's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year EBITDA Growth Rate*
=22.129619058492/59.00
=0.38

* 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.

* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.

Frequently Asked Questions Learn more about PEG Ratio →
What does a PEG Ratio of 0.38 mean?
Benefit Systems (FRA:3ZV) has a PEG Ratio of 0.38 as of Jul. 15, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Benefit Systems and its competitors. This is 51% below median its historical median of 0.78. Over the past decade, Benefit Systems' PEG Ratio has ranged from 0.23 to 17.46. According to the industry distribution chart, Benefit Systems ranks #54 out of 210 companies in the Travel & Leisure industry, placing it in the top 25.7%.
Is Benefit Systems' PEG Ratio too high?
Benefit Systems' current PEG Ratio of 0.38 is 51% below median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 17.46. The Travel & Leisure industry median PEG Ratio is 0.70. Benefit Systems' value of 0.38 is 45.3% below this industry median. Based on the distribution chart, Benefit Systems ranks #54 out of 210 companies in the Travel & Leisure industry, which is above the industry midpoint. Overall, Benefit Systems has a GF Score™ of 91/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Benefit Systems' PEG Ratio compare to AS and HAS?
According to the Travel & Leisure industry distribution chart, Benefit Systems ranks #54 out of 210 companies for PEG Ratio. This puts Benefit Systems in the upper half of its industry. The industry median PEG Ratio is 0.70. Benefit Systems' value of 0.38 is 45.3% below this benchmark. Historically, Benefit Systems' own PEG Ratio has ranged from 0.23 to 17.46 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 0.70, Benefit Systems has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Travel & Leisure company?
The median PEG Ratio among Travel & Leisure companies is 0.70, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Benefit Systems's current PEG Ratio of 0.38 is 45.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Benefit Systems and its competitors. For the Travel & Leisure industry, the median PEG Ratio is 0.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Benefit Systems's current PEG Ratio is 0.38, which is 51% below median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Benefit Systems stock overvalued right now?
Based on GuruFocus' analysis, Benefit Systems (FRA:3ZV) is currently considered Modestly Overvalued. The stock's GF Value™ is €909.32, compared to a current price of €1,163.00 — trading 27.9% above its estimated fair value. The current PEG Ratio is 0.38, which is 51% below median its 10-year median of 0.78 and 45.3% below the Travel & Leisure industry median of 0.70. Benefit Systems' overall GF Score™ is 91/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Benefit Systems (FRA:3ZV), the current PEG Ratio is 0.38 as of Jul. 15, 2026. 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.

Is Benefit Systems (FRA:3ZV) Overvalued in 2026?

Based on GuruFocus' analysis, Benefit Systems stock appears to be overvalued. The current stock price of €1,163.00 is trading 27.9% above its estimated GF Value™ of €909.32. GuruFocus considers Benefit Systems to be Modestly Overvalued.

Key valuation signals for FRA:3ZV:

  • PEG Ratio: 0.38 (51% below median its 10-year median of 0.78)
  • GF Value™: €909.32 vs. price of €1,163.00 (27.9% above fair value)
  • GF Score™: 91/100 with 5 warning signs
  • Industry Position: 45.3% below the Travel & Leisure median (#54 of 210)

No single metric tells the full story. See the FRA:3ZV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Benefit Systems Business Description

Other Exchanges BFT:Poland0Q3J:UK
Address European Square 2, Warsaw, POL, 00-844
Benefit Systems SA is Poland based company which is engaged in providing work benefits in the area of sport, recreations, culture and entertainment. Its products portfolio includes MultiSport Plus card, program that allows access to the sport and recreation clubs and multi-purpose facilities as well as Mybenefit, Benefitlunch, Multibilet, Multikafeteria and others.
91GF Score

Get the complete analysis for FRA:3ZV

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

€1,163.00
Price
€909.32
GF Value