VOT.WAR Votum SA

Industrials Commercial Services & Supplies Warsaw Stock Exchange
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40.00 PLN
Close of Oct 29, 2026
33.70 46.25
Market cap
PLN 480M
P/E
4.0x
P/B
1.27x
ROE
30.1%
Dividend yield
17.04%
Fundamental score
4.5/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is VOT.WAR undervalued?

Graham number
Price40.00
Graham value84.26
Discount52.5%

VOT.WAR trades 52.5% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Votum SA fundamental analysis

20 of 22 checks passed

ROE 2/2

High return on equity (30.1%), above 20%.

ROA 1/1

Return on assets (17.5%) is above the industry median (5.0%).

Profit Consistency 2/2

Profitable for 10 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (24.2%) is not above the 5-year average (76.7% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (24.2%) is above the industry median (-7.4%).

Revenue Growth 2/2

Revenue grew 15.2% a year over the past 3 years.

Short-term Liquidity 1/1

Current assets cover short-term liabilities.

Long-term Liabilities 1/1

Current assets cover long-term liabilities.

Debt to Equity 2/2

Low debt to equity (7.6%), 40% or less.

Debt Trend 1/1

Debt to equity has not risen over the past 5 years.

Debt Coverage 1/1

Operating cash flow covers 20% of total debt.

Interest Coverage 1/1

EBIT is 51.2x against interest expense, well covered.

PE vs Market 1/1

PE (4.0x) is below the market median (11.6x).

PE vs Industry 1/1

PE (4.0x) is below the industry median (10.7x).

PBV 0/1

Price to book (1.3x) is above the industry median (1.3x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 5.1, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.05, growth is cheap.

Dividend Yield 2/2

Dividend yield (17.0%) is in the top 25% of dividend payers in the market.

Dividend Stability 1/2

Dividends paid without a cut of more than 10% for 6 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 58.3%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Votum SA stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About Votum SA

Votum S.A. helps victims of traffic accidents in obtaining compensation from insurance companies. The company was founded in 2005 and is headquartered in Wroclaw, Poland.

Full company profile