Sector pending / Insurance Agents, Brokers, and ServiceUpdated 2026-05-10 22:07 UTC

FRA/3ZV stock hub

FRA/3ZV has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.1B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/3ZV

In the news

Latest news · FRA/3ZV

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E18.6

P25 n/aP50 n/aP75 n/a

Trailing P/E23.1

P25 n/aP50 n/aP75 n/a

ROE32.5

P25 n/aP50 n/aP75 n/a

ROIC11.9

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/3ZV market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

207

Groups with data

Currency

PLN

Showing 207 of 207 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Poland
Country code	DE
Employees	3,983
Employees Change	1,974%
Employees Change Percent	88.84
Enterprise value	EUR 3.7B
Exchange	Frankfurt Stock Exchange
Financial currency	PLN
First seen	2026-05-10
Industry	Insurance Agents, Brokers, and Service
Last refreshed	2026-05-10
Market cap	EUR 3.1B
Price	EUR 948
Price currency	EUR
Rev Per Employee	269,118.01x
Sic	6411
Symbol	fra/3ZV
Website	https://www.benefitsystems.pl

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.34%
EV Earnings	27.65x
EV/EBIT	22.18x
EV/EBITDA	13.04x
EV/FCF	26.96x
EV/Sales	3.5x
FCF yield	4.45%
Forward P/E	18.59x
P/B ratio	5.57x
P/E ratio	23.06x
P/S ratio	2.91x
PE Ratio10 Y	61.32x
PE Ratio3 Y	17.86x
PE Ratio5 Y	20.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	15.79%
EBITDA Margin	20.73%
FCF margin	12.94%
Gross margin	34.8%
Gross Profit	EUR 373M
Gross Profit Growth	30.18%
Gross Profit Growth Q	31.21%
Gross Profit Growth3 Y	45.5%
Gross Profit Growth5 Y	50.68%
Net Income	EUR 135.3M
Net Income Growth	26.96%
Net Income Growth Q	39.03%
Net Income Growth3 Y	60.48%
Pretax Margin	16.06%
Profit Margin	12.62%
Profit Per Employee	EUR 33,968
ROA	8.52
Roa5y	7.91
ROCE	13.06
ROE	32.52
Roe5y	28.6
ROIC	11.9
Roic5y	14.95

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	20.1%
Cagr3y	59.98%
Cagr5y	40.38%
EPS Growth	18.38
EPS Growth Q	25.93
EPS Growth3 Y	55.97
FCF Growth	-17.09%
FCF Growth Q	21.35%
FCF Growth3 Y	17.17%
FCF Growth5 Y	25.3%
OCF Growth	18.75%
OCF Growth Q	36.21%
OCF Growth10 Y	31.93%
OCF Growth3 Y	37.49%
OCF Growth5 Y	38.76%
Revenue Growth	33.13x
Revenue Growth Q	41.19x
Revenue Growth3 Y	33.31x
Revenue Growth5 Y	34.34x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.86
Assets	EUR 1.7B
Cash	EUR 147.5M
Current Assets	EUR 283M
Current Liabilities	EUR 373.7M
Debt	EUR 768.6M
Debt EBITDA	EUR 2.67
Debt Equity	EUR 1.37
Debt FCF	EUR 5.54
Equity	EUR 560.1M
Interest Coverage	3.95
Liabilities	EUR 1.1B
Long Term Assets	EUR 1.4B
Long Term Liabilities	EUR 737.5M
Net Cash	EUR -621.1M
Net Cash By Market Cap	EUR -19.91
Net Debt EBITDA	EUR 2.8
Net Debt Equity	EUR 1.11
Net Debt FCF	EUR 4.48
Tangible Book Value	EUR -31.5M
Tangible Book Value Per Share	EUR -9.61

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.76
Inventory Turnover	259
Net Working Capital	EUR -130.5M
Quick ratio	0.69
Working Capital	EUR -91.2M
Working Capital Turnover	EUR -2.91

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-7.25%
Dividend per share	EUR 0
Last Dividend	EUR 31.49

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	20.09%
200-day SMA	809.1
3Y total return	309.58%
50-day SMA	865.8
50-day SMA vs 200-day SMA	50over200
5Y total return	445.09%
All Time High	966
All Time High Change	-1.92%
All Time High Date	2026-05-07
All Time Low	95.8
All Time Low Change	889.04%
All Time Low Date	2022-06-24
ATR	17.93
Ch YTD	13.47
High	947.5
High52	966
High52 Date	2026-05-07
High52ch	-1.92%
Low	947.5
Low52	684
Low52 Date	2025-06-24
Low52ch	38.52%
Ma50ch	9.43%
Price vs 200-day SMA	17.11%
RSI	60.56
RSI Monthly	68.49
RSI Weekly	65.59
Sharpe ratio	0.57x
Sortino ratio	1.03
Total Return	-7.25%
Tr YTD	13.47
Tr1m	13.07%
Tr1w	-0.68%
Tr3m	4.81%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 169.2M
Operating Income Growth	13.51
Operating Income Growth Q	3.96
Operating Income Growth3 Y	49.73
Operating margin	15.79

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	2,669,036%
Net Borrowing	281,341,926.3
Shares Insiders	6.57%
Shares Institutions	70.66%
Shares Qo Q	4.3%
Shares Yo Y	7.25%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 118.6M
Average Volume	1.85x
Bv Per Share	170.7
CAPEX	EUR -132.1M
Ch1m	13.07
Ch1w	-0.68
Ch1y	20.09
Ch3m	4.81
Ch3y	277.5
Ch5y	402.4
Ch6m	34.97
Change	-1.92%
Change From Open	0
Close	966
Days Gap	-1.92
Depreciation Amortization	52,703,853
Earnings Date	2026-05-14
EBIT	EUR 169.2M
EBITDA	EUR 222.2M
EPS	EUR 42.34
F Score	5
FCF	EUR 138.7M
FCF EV Yield	3.71x
Financing CF	364,204,610
Fiscal Year End	December
Founded	2,000
Goodwill	499,971,291.1
Graham Number	396.52561
Graham Upside	-58.15
Income Tax	EUR 36.4M
Investing CF	-561,196,023
Is Primary Listing	0
Last Earnings Date	2026-03-20
Last Report Date	2025-12-31
Lynch Fair Value	EUR 1,027
Lynch Upside	8.4
Ma150	826.9
Ma150ch	14.58%
Ma20	909.1
Ma20ch	4.22%
Net CF	68,363,524
Next Earnings Date	2026-05-14
Open	947.5
P FCF Ratio	22.49
P OCF Ratio	11.52
Payment Date	2024-11-25
Ppne	726,114,380.5
Price Date	2026-05-08
Price EBITDA	EUR 14.04
Relative Volume	1.62x
Revenue	1,071,897,015x
SBC By Revenue	1.88x
Share Based Comp	20,145,871
Tax By Revenue	3.39x
Tax Rate	21.13%
Tr6m	34.97%
Volume	0
Z Score	2.45

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does FRA/3ZV pay a dividend?

Capital-return profile for this ticker.

Performance

FRA/3ZV stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/3ZV?

Insider, institutional, and short-interest positioning.

Institutional ownership

+70.7%

Share of float held by funds and institutions

Insider ownership

+6.6%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+7.3%

Negative means the company is buying back shares.

Technical

FRA/3ZV momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

60.6

Neutral momentum band

Price vs 200-day MA

+17.1%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.57

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/3ZV

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/3ZV stock rating?

fra/3ZV is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/3ZV analysis?

The full report lives at /stocks/fra/3ZV/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/3ZV?

The latest report frames fra/3ZV around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/3ZV page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.