Europejskie Centrum Odszkodowan (WAR:EUC) Return-on-Tangible-Equity: 0.00% (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 Return-on-Tangible-Equity?

Europejskie Centrum Odszkodowan WAR:EUC 36 Return-on-Tangible-Equity is 0.00% as of Sep. 2025. GuruFocus rates WAR:EUC with a GF Score™ of 36/100. The stock has 8 warning signs investors should review. Among 496 Insurance companies, Europejskie Centrum Odszkodowan ranks better than 99.8% on this metric.

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Europejskie Centrum Odszkodowan's annualized net income for the quarter that ended in Sep. 2025 was zł-0.98 Mil. Europejskie Centrum Odszkodowan's average shareholder tangible equity for the quarter that ended in Sep. 2025 was zł-80.76 Mil. Therefore, Europejskie Centrum Odszkodowan's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was N/A%.

The historical rank and industry rank for Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity or its related term are showing as below:

WAR:EUC' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -183.76   Med: 66.93   Max: 632.49
Current: Negative Tangible Equity

During the past 13 years, Europejskie Centrum Odszkodowan's highest Return-on-Tangible-Equity was 632.49%. The lowest was -183.76%. And the median was 66.93%.

WAR:EUC's Return-on-Tangible-Equity is ranked better than
99.8% of 496 companies
in the Insurance industry
Industry Median: 13.51 vs WAR:EUC: Negative Tangible Equity

Europejskie Centrum Odszkodowan  (WAR:EUC) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Europejskie Centrum Odszkodowan Return-on-Tangible-Equity Related Terms


Europejskie Centrum Odszkodowan Return-on-Tangible-Equity Historical Data

* Premium members only.

The historical data trend for Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart

Europejskie Centrum Odszkodowan Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 90.51 -183.76 0.00 0.00 Negative Tangible Equity

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
Return-on-Tangible-Equity 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 Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity 0.00

WAR:EUC vs MRSH, AON, AJG: Return-on-Tangible-Equity Comparison

For the Insurance Brokers subindustry, Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry

For the Insurance industry and Financial Services sector, Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity falls into.


WAR:EUC
36GF Score
Europejskie Centrum Odszkodowan SA WAR:EUC
Return-on-Tangible-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Europejskie Centrum Odszkodowan Return-on-Tangible-Equity Calculation

Europejskie Centrum Odszkodowan's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=10.196/( (-92.167+-81.546 )/ 2 )
=10.196/-86.8565
=Negative Tangible Equity %

Europejskie Centrum Odszkodowan's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Sep. 2025 )  (Q: Jun. 2025 )(Q: Sep. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Sep. 2025 )  (Q: Jun. 2025 )(Q: Sep. 2025 )
=-0.976/( (-80.594+-80.932)/ 2 )
=-0.976/-80.763
=N/A %

* 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.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Sep. 2025) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.

What does a Return-on-Tangible-Equity of 0.00% mean?
Europejskie Centrum Odszkodowan (WAR:EUC) has a Return-on-Tangible-Equity of 0.00% as of Sep. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Europejskie Centrum Odszkodowan and its competitors. According to the industry distribution chart, Europejskie Centrum Odszkodowan ranks #1 out of 496 companies in the Insurance industry, placing it in the top 0.2%.
Is Europejskie Centrum Odszkodowan's Return-on-Tangible-Equity too high?
Europejskie Centrum Odszkodowan's current Return-on-Tangible-Equity is 0.00%. Based on the distribution chart, Europejskie Centrum Odszkodowan ranks #1 out of 496 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, Europejskie Centrum Odszkodowan ranks #1 out of 496 companies for Return-on-Tangible-Equity. This places Europejskie Centrum Odszkodowan in the top 0% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.51. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Europejskie Centrum Odszkodowan and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Europejskie Centrum Odszkodowan's current Return-on-Tangible-Equity is 0.00%. 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 Return-on-Tangible-Equity of 0.00%. The current Return-on-Tangible-Equity is 0.00%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Europejskie Centrum Odszkodowan (WAR:EUC), the current Return-on-Tangible-Equity is 0.00% 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

Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.51
Price