Mfind
Mfind operates Punkta, a Polish consumer insurance price-comparison platform that aggregates quotes from 40+ carriers and distributes policies across vehicle, property, health, travel and personal accident lines to individual consumers, combining online self-service with a 388-branch national advisory network.
- Company typePrivate
- Founded2013
- HeadquartersWarsaw, Poland
- Headcount11–50
- GTM typeB2C
- OfferingDigital Commerce or Content
What Mfind does
Mfind operates a Polish consumer insurance price-comparison and distribution platform under the consumer-facing brand Punkta, backed by the legal entity CUK Ubezpieczenia Sp. z o.o. The platform allows individual consumers to compare quotes from 40+ insurance carriers across multiple lines—OC/AC for cars and motorcycles, property (home and apartment), health and life, travel, sports, ski, cancer, school accident (NNW) and pet insurance—and to complete purchases online, by phone, or in any of 388 physical branch locations across Poland. Underlying technology is a web-based real-time quote aggregator that integrates multiple insurance company (TU) APIs/feeds, returns unified comparisons, and supports a multi-category calculator and a content/education layer (Akademia ubezpieczeń).
The business model is a multi-agent insurance intermediation model: the calculator and advisory services are free to consumers, and revenue is earned via commissions paid by insurance carriers when policies are placed through the platform, supplemented by inside-sales advisory fees and partner/agent referral flows. The funnel combines organic SEO content, self-service quote comparison, phone-based advisory sales and a nationwide retail branch network, addressing primary buyers (vehicle owners) plus secondary segments such as property owners, travelers and health/life insurance seekers.
The company is private (Sp. z o.o.), founded in 2013, headquartered in Warsaw (with the operating subsidiary's office in Toruń), and operates exclusively in Poland. It has raised three disclosed funding rounds between 2015 and 2018 led by MCI Capital SA (twice) and Martis Consulting Sp. z o.o., supporting buildout of the branch network, product vertical expansion and the 1M+ cumulative policies / 200K+ customers scale referenced by the company.
Mfind firmographics
Firmographics- Name
- Mfind
- Legal name
- CUK Ubezpieczenia Sp. z o.o.
- Website
- https://mfind.pl
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mfind operates Punkta, a Polish consumer insurance price-comparison platform that aggregates quotes from 40+ carriers and distributes policies across vehicle, property, health, travel and personal accident lines to individual consumers, combining online self-service with a 388-branch national advisory network.
- Ownership category
- akta.pro rank
Mfind industry classification
Industry- Product category
- Insurance Comparison Platform
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)
Keywords
Where Mfind is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices2 records
Markets served
Mfind business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: Punkta earns commission from insurance companies (TU partners) when customers purchase insurance policies through the comparison platform. The commission is likely a percentage of the policy value or a fixed referral fee per policy sold.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free calculator access for all users |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Mfind product offering
Product offeringCore offering
Mfind operates an online insurance comparison and aggregation platform (marketed under the Punkta brand via CUK Ubezpieczenia Sp. z o.o.) that lets Polish consumers compare and purchase insurance policies from 40+ insurance providers in a single interface. The platform covers vehicle insurance (OC, AC, NNW, Assistance), property, health, life, and travel insurance, complemented by 388 physical branch locations staffed with advisors. Revenue is generated through commissions paid by insurance partners when policies are sold through the platform.
Product overview
Punkta is a multi-category online insurance comparison platform operated by CUK Ubezpieczenia Sp. z o.o. The core offering is the OC/AC Calculator (insurance calculator) which compares liability and autocasco insurance from 15+ insurance companies including PZU, Link4, Generali, Ergo Hestia, Warta, Allianz, and UNIQA. The platform offers a unified comparison experience across vehicle insurance (OC, AC, NNW, Assistance for cars and motorcycles), property insurance (home/apartment), health/life insurance, and travel insurance. Additional products include specialized calculators for health, travel, property, life, and school accident insurance. The platform provides 388 physical branch locations nationwide alongside online services, and maintains an educational resource center (Akademia ubezpieczeń) with guides, rankings, and market reports. As a multi-agent (multiagencie) for insurance companies, Punkta acts as an intermediary enabling policy purchases directly through the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- OC/AC Insurance Comparison Calculator (Kalkulator ubezpieczeń)
- Vehicle Insurance (Ubezpieczenie samochodu)
- Motorcycle and Scooter Insurance (Ubezpieczenie motocykla i skutera)
- Home and Apartment Insurance (Ubezpieczenie domu i mieszkania)
- Health Insurance (Ubezpieczenie zdrowotne)
- Travel and Sports Insurance (Ubezpieczenia turystyczne i sportowe)
- Road Assistance (Assistance)
- Cancer Insurance (Ubezpieczenie na wypadek nowotworu)
- NNW Personal Accident Insurance (Ubezpieczenie NNW)
Quantifiable outcome
- Customers save up to 50% on insurance premiums
- +4 more outcomes
Companies that use Mfind
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Mfind technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Mfind partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- PZUcoreMajor Polish insurance company providing vehicle insurance products (OC, AC) through the Punkta comparison platform. One of the flagship insurance providers on the platform.
- Link4corePolish insurance company specializing in direct insurance sales, offering vehicle and property insurance through the Punkta platform.
- AllianzcoreGlobal insurance group providing vehicle and other insurance products through the Punkta comparison platform.
- Ergo HestiacoreOne of the largest Polish insurance companies offering comprehensive insurance products through the Punkta platform.
- WartacoreMajor Polish insurance company providing vehicle, property, and other insurance products through the Punkta comparison platform.
- UNIQAcoreInternational insurance group operating in Poland, offering vehicle and other insurance products through Punkta.
- GeneralicoreGlobal insurance company offering vehicle and other insurance products through the Punkta platform.
- Signal IdunaminorGerman-based insurance company operating in Poland, offering insurance products through the Punkta comparison platform.
- CompensaminorPolish insurance company offering vehicle and property insurance products through the Punkta platform.
- EuroinsminorInsurance company providing vehicle insurance products through the Punkta comparison platform.
- BeesafeminorPolish digital insurance company offering vehicle insurance products through the Punkta platform.
- TrastiminorInsurance company offering vehicle insurance through the Punkta comparison platform.
- TUZ UbezpieczeniaminorPolish mutual insurance company offering insurance products through the Punkta platform.
- AXA PartnersminorGlobal insurance group providing assistance and insurance products through the Punkta platform.
- Europ AssistanceminorInternational assistance company providing vehicle assistance and travel insurance products through Punkta.
Scale indicators7 records
Recent moves6 records
Expansion highlights4 records
Mfind competitors and assessment
Company assessmentDirect peers
- Rankomat: One of the leading Polish insurance comparison platforms aggregating OC/AC and other policies from multiple carriers. Closest direct competitor to Punkta/Mfind in the Polish multi-line insurance comparison market with the same commission-based model.
- Ubezpieczenia.pl: Polish insurance comparison and brokerage portal offering OC/AC and additional lines from multiple insurers. Direct competitor in the same Polish market with overlapping carrier relationships and self-serve calculator-led funnel.
- GoCompare: UK-based insurance price comparison website specializing in motor, home, and life insurance. Closely comparable business model: free consumer comparison tool monetized via carrier commissions.
- Confused.com: UK insurance comparison platform aggregating motor, home, and travel policies from multiple carriers. Same commission-based aggregator model and similar multi-line insurance breadth as Punkta/Mfind.
Broad incumbents
- Check24: Germany's largest multi-vertical price comparison platform with a sizeable insurance (Kfz, Sach, Kranken) comparison and brokerage business. Comparable through its aggregator-and-broker hybrid model and tech-enabled distribution scale.
- Verivox: German comparison portal for insurance, energy, and financial products. Operates as an independent broker earning commissions from providers, directly analogous to Punkta's model at greater scale and broader scope.
- MoneySupermarket Group: UK-listed multi-vertical comparison platform with a sizeable insurance vertical alongside home services and money products. Comparable aggregator-and-broker model at significantly larger scale and broader scope than Punkta/Mfind.
Regional players
- LeLynx: French insurance comparison broker (part of the Covéa group) distributing auto, home, and health policies from multiple insurers. Comparable aggregator-and-broker hybrid, operating in a different European geography.
- ComparaJa: Spanish insurance and financial product comparison platform offering motor, home, health, and life quotes from multiple providers. Operates an analogous commission-based comparison marketplace in a different European market.
- Selectra: Pan-European price comparison group active in energy, telecom, and insurance across multiple countries. Comparable through its cross-vertical comparison-and-brokerage model and multi-country footprint relevant to potential CEE expansion.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Mfind social profiles
Digital presenceMfind financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mfind leadership team
Management profileNumber of profiles
Mfind funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mfind M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mfind
What does Mfind do?
Mfind operates an online insurance comparison and aggregation platform (marketed under the Punkta brand via CUK Ubezpieczenia Sp. z o.o.) that lets Polish consumers compare and purchase insurance policies from 40+ insurance providers in a single interface. The platform covers vehicle insurance (OC, AC, NNW, Assistance), property, health, life, and travel insurance, complemented by 388 physical branch locations staffed with advisors. Revenue is generated through commissions paid by insurance partners when policies are sold through the platform.
Is Mfind a public or private company?
Mfind is a private company. It is classified as venture growth investor backed and is currently operating.
When was Mfind founded?
Mfind was founded in 2013. It employs 11 to 50 people.
Where is Mfind based?
Mfind is headquartered in Warsaw, Poland, in the Europe region.
How does Mfind make money?
One revenue line is on record: insurance Commission Revenue.
Who are Mfind's main competitors?
Direct peers on record are Rankomat, Ubezpieczenia.pl, GoCompare and Confused.com. Broad incumbents are Check24, Verivox and MoneySupermarket Group. Regional players are LeLynx, ComparaJa and Selectra.
Does Mfind have an API?
No public API is recorded for Mfind.
What industry is Mfind in?
Mfind's product category is Insurance Comparison Platform. Its primary akta.pro industry code is FSAEAMAM, Lead Generation, Comparison & Marketplace Platforms (Financial Products). Its NAICS code is 524210 and its SIC code is 6411.