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

LON/0Q3J stock hub

LON/0Q3J 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

2.7B

London Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

LON/0Q3J

In the news

Latest news · LON/0Q3J

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/E22.8

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 LON/0Q3J 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

197

Groups with data

Currency

PLN

Showing 197 of 197 available metrics for this ticker.

Profile and market data

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

Metric	Value
Country	Poland
Country code	UK
Employees	3,983
Employees Change	1,974%
Employees Change Percent	88.84
Enterprise value	PLN 3.2B
Exchange	London Stock Exchange
Financial currency	PLN
First seen	2026-05-10
Industry	Insurance Agents, Brokers, and Service
Last refreshed	2026-05-10
Market cap	PLN 2.7B
Price	PLN 3,934
Price currency	PLN
Rev Per Employee	234,771.26x
Sic	6411
Symbol	lon/0Q3J
Website	https://www.benefitsystems.pl

Valuation

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

Metric	Value
Earnings Yield	4.38%
EV Earnings	27.38x
EV/EBIT	22.18x
EV/EBITDA	13.04x
EV/FCF	26.7x
EV/Sales	3.5x
FCF yield	4.49%
Forward P/E	18.59x
P/B ratio	5.52x
P/E ratio	22.84x
P/S ratio	2.88x
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	PLN 325.4M
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	PLN 118M
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	PLN 29,633
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	30.38%
Div CAGR10	13.36%
Div CAGR3	51.89%
Div CAGR5	28.51%
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	PLN 0.86
Assets	PLN 1.5B
Cash	PLN 128.6M
Current Assets	PLN 244.8M
Current Liabilities	PLN 323.3M
Debt	PLN 670.5M
Debt EBITDA	PLN 2.67
Debt Equity	PLN 1.37
Debt FCF	PLN 5.54
Equity	PLN 488.6M
Interest Coverage	3.95
Liabilities	PLN 969.4M
Long Term Assets	PLN 1.2B
Long Term Liabilities	PLN 646.1M
Net Cash	PLN -541.8M
Net Cash By Market Cap	PLN -20.1
Net Debt EBITDA	PLN 2.8
Net Debt Equity	PLN 1.11
Net Debt FCF	PLN 4.48
Tangible Book Value	PLN -27.5M
Tangible Book Value Per Share	PLN -8.38

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.76
Inventory Turnover	259
Net Working Capital	PLN -113.8M
Quick ratio	0.69
Working Capital	PLN -79.6M
Working Capital Turnover	PLN -2.54

Dividends and buybacks

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

Metric	Value
Buyback Yield	-7.25%
Dividend per share	PLN 0
Last Dividend	PLN 26.61

Performance and technicals

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

Metric	Value
1Y total return	30.35%
All Time High	3,933.5
All Time High Change	0%
All Time High Date	2026-02-11
All Time Low	2,478.6
All Time Low Change	58.7%
All Time Low Date	2024-03-15
ATR	130.8
Ch YTD	21.03
High	3,933.5
High52	3,933.5
High52 Date	2026-02-11
High52ch	0%
Low	3,933.5
Low52	3,250
Low52 Date	2025-05-27
Low52ch	21.03%
RSI	79.33
RSI Monthly	0
RSI Weekly	0
Sharpe ratio	5.22x
Sortino ratio	16.94
Total Return	-7.25%
Tr YTD	21.03
Tr1m	21.03%
Tr1w	0%
Tr3m	21.03%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PLN 147.6M
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	243,369,681.4
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	PLN 103.5M
Average Volume	235.9x
Bv Per Share	148.9
CAPEX	PLN -115.3M
Ch1m	21.03
Ch1y	30.35
Ch3m	21.03
Ch6m	21.03
Change	21.03%
Change From Open	0
Close	3,250
Days Gap	21.03
Depreciation Amortization	45,590,502.9
Dollar Volume	338,285
Earnings Date	2026-05-14
EBIT	PLN 147.6M
EBITDA	PLN 193.8M
EPS	PLN 36.93
F Score	5
FCF	PLN 121M
FCF EV Yield	3.75x
Financing CF	317,722,232
Fiscal Year End	December
Founded	2,000
Goodwill	432,491,009.8
Graham Number	1662.52421
Graham Upside	-57.73
Income Tax	PLN 31.7M
Investing CF	-489,572,203
Is Primary Listing	0
Last Earnings Date	2026-03-20
Last Report Date	2025-12-31
Lynch Fair Value	PLN 4,306
Lynch Upside	9.48
Ma20	2,941
Ma20ch	33.75%
Net CF	59,638,486
Next Earnings Date	2026-05-14
Open	3,933.5
P FCF Ratio	22.27
P OCF Ratio	11.41
Payment Date	2024-11-25
Ppne	628,111,948.1
Price Date	2026-02-11
Price EBITDA	PLN 13.91
Relative Volume	0.36x
Revenue	935,093,909x
SBC By Revenue	1.88x
Share Based Comp	17,574,712
Tax By Revenue	3.39x
Tax Rate	21.13%
Tr6m	21.03%
Volume	86
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 LON/0Q3J pay a dividend?

Capital-return profile for this ticker.

Performance

LON/0Q3J stock returns vs the market

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

Ownership

Who owns LON/0Q3J?

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

LON/0Q3J momentum and risk profile

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

RSI (14)

79.3

Above 70: short-term overbought

Price vs 200-day MA

n/a

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

5.22

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

Questions

About LON/0Q3J

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

What is the current lon/0Q3J stock rating?

lon/0Q3J 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 lon/0Q3J analysis?

The full report lives at /stocks/lon/0Q3J/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 lon/0Q3J?

The latest report frames lon/0Q3J 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 lon/0Q3J 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.