Votum SA
Votum SA operates in the insurance and asset management sectors, providing multiline insurance and brokerage services.
Business. Votum SA (VOT.WA) is a Polish insurance and asset management company headquartered in Warsaw, Poland. The firm operates within the multiline insurance and brokers industry, generating revenue primarily through premium income. It is listed on the Warsaw Stock Exchange under the ticker symbol VOT.WA. Specific operating segments and geographic breakdowns are not disclosed in the available data.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
Votum SA (VOT.WA) is a Polish insurance and asset management company headquartered in Warsaw, Poland. The firm operates within the multiline insurance and brokers industry, generating revenue primarily through premium income. It is listed on the Warsaw Stock Exchange under the ticker symbol VOT.WA. Specific operating segments and geographic breakdowns are not disclosed in the available data.
Votum SA maintains a strong liquidity position with a current ratio of 2.43, indicating the company can cover its short-term liabilities more than twice over. The company's liquidity FPT (free cash flow to total debt) is robust, supported by a free cash flow of 58,355,000 PLN and long-term debt of 24,546,000 PLN. However, the risk assessment notes that net cash is negative after subtracting total debt, suggesting potential liquidity constraints.
Profitability metrics show Votum SA is performing well relative to industry standards. The company's return on equity (ROE) of 36.71% and return on assets (ROA) of 20.87% are strong indicators of efficient capital use and asset management. The price-to-book ratio of 1.42 and a low debt-to-equity ratio of 0.06 further support a conservative capital structure.
Geographically, Votum SA's revenue is concentrated in its domestic market, with no disclosed international segments. The company's exposure to regional economic conditions is significant, as the majority of its operations are localized. This concentration may pose risks in the event of local economic downturns or regulatory changes.
The company's growth trajectory is positive, with a revenue outlook indicating continued expansion. The current fiscal year is expected to see a 12% increase in revenue, driven by market share gains and operational efficiency. Looking ahead, the next fiscal year is projected to maintain this momentum, with a 7% growth forecast.
Risk factors include the company's liquidity position, as noted by the negative net cash after debt. Additionally, the risk assessment indicates a medium liquidity risk, which could affect the company's ability to meet short-term obligations. The dilution risk is low, with no significant dilution potential in the near term.
Recent events include the company's latest financial filing, which disclosed strong operating cash flow of 201,815,000 PLN and a net income of 140,151,000 PLN. These figures support the company's financial health and its ability to sustain operations and growth initiatives.
- Votum SA has a strong liquidity position with a current ratio of 2.43.
- The company's ROE of 36.71% and ROA of 20.87% indicate efficient capital and asset use.
- Revenue is concentrated in the domestic market, increasing exposure to local economic conditions.
- The company is projected to grow revenue by 12% in the current fiscal year and 7% in the next.
- Liquidity risk is medium, and dilution risk is low.
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- Net cash is negative after subtracting total debt.
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- Votum SA Market data — financials · 2026-05-29
Ownership & reference
Leadership
- Andrzej DadelloChairman of the Supervisory Board
- Marta WanMember of the Management Board