Reported Earnings • Jul 28
First half 2026 earnings released First half 2026 results: EPS: €0.05. Revenue: €616.4m (up 13% from 1H 2025). Net income: €52.1m (up 19% from 1H 2025). Profit margin: 8.5% (up from 8.0% in 1H 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 6.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 63% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth. Annonce • Jun 24
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2026 Results on Jul 27, 2026 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2026 results on Jul 27, 2026 Annonce • Apr 20
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2026 Results on Apr 27, 2026 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2026 results Pre-Market on Apr 27, 2026 Annonce • Feb 24
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 09, 2026 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 09, 2026. Location: teatro del centro cultural adolfo suarez, plaza del ayuntamiento 2, tres cantos., madrid Spain Annonce • Feb 16
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2025 Results on Feb 23, 2026 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2025 results Pre-Market on Feb 23, 2026 Annonce • Oct 14
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Nine Months, 2025 Results on Oct 27, 2025 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report nine months, 2025 results on Oct 27, 2025 Annonce • Jul 14
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2025 Results on Jul 23, 2025 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2025 results on Jul 23, 2025 Annonce • Apr 14
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2025 Results on Apr 28, 2025 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2025 results Pre-Market on Apr 28, 2025 Annonce • Mar 04
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 10, 2025 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 10, 2025. Location: teatro del centro cultural adolfo suarez, plaza del ayuntamiento 2, tres cantos, madrid Spain Board Change • Dec 30
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Buy Or Sell Opportunity • Nov 08
Now 20% undervalued Over the last 90 days, the stock has risen 4.3% to €1.06. The fair value is estimated to be €1.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to decline by 2.4% in 2 years. Earnings are forecast to grow by 79% in the next 2 years. Reported Earnings • Oct 23
Third quarter 2024 earnings released Third quarter 2024 results: Revenue: €19.4m (down 92% from 3Q 2023). Net income: €15.3m (up 186% from 3Q 2023). Profit margin: 79% (up from 2.1% in 3Q 2023). The increase in margin was driven by lower expenses. Revenue is forecast to grow 1.9% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Insurance industry in Europe. Annonce • Oct 03
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2024 Results on Oct 21, 2024 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q3, 2024 results Pre-Market on Oct 21, 2024 New Risk • Sep 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Dividend is not well covered by earnings and cash flows. Paying a dividend despite being loss-making. Cash payout ratio: 149% Minor Risk Share price has been volatile over the past 3 months (6.9% average weekly change). Buy Or Sell Opportunity • Aug 05
Now 21% undervalued after recent price drop Over the last 90 days, the stock has fallen 3.6% to €0.97. The fair value is estimated to be €1.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 4.6% per annum. Earnings are also forecast to grow by 28% per annum over the same time period. Reported Earnings • Jul 26
Second quarter 2024 earnings released Second quarter 2024 results: Revenue: €218.6m (down 17% from 2Q 2023). Net income: €15.3m (up €25.1m from 2Q 2023). Profit margin: 7.0% (up from net loss in 2Q 2023). The move to profitability was driven by lower expenses. Revenue is forecast to grow 4.5% p.a. on average during the next 3 years, compared to a 6.2% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 74 percentage points per year, which is a significant difference in performance. Annonce • Jul 13
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q2, 2024 Results on Jul 24, 2024 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q2, 2024 results Pre-Market on Jul 24, 2024 Reported Earnings • May 01
First quarter 2024 earnings released First quarter 2024 results: EPS: €0.009. Revenue: €15.5m (down 94% from 1Q 2023). Net income: €10.1m (up €15.4m from 1Q 2023). Profit margin: 65% (up from net loss in 1Q 2023). The move to profitability was driven by lower expenses. Revenue is forecast to grow 1.4% p.a. on average during the next 3 years, compared to a 6.7% growth forecast for the Insurance industry in Europe. Annonce • Mar 29
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2024 Results on Apr 29, 2024 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2024 results on Apr 29, 2024 Annonce • Mar 05
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 11, 2024 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 11, 2024, at 12:30 Central European Standard Time. Agenda: To approve consolidated Non-Financial Information Statement corresponding to the financial year ended 31 December 2023; to approve the proposed distribution of results for the financial year ended 31 December 2023; to Re-election of the auditors of the Company and the consolidated Group for 2024; to interpret, complement, correct, execute and formalise the resolutions adopted by the General Shareholders' Meeting; Seven. Advisory vote on the 2023 Report on the Remuneration of the members of the Board of Directors. Board Change • Feb 01
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Annonce • Jan 18
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2023 Results on Mar 04, 2024 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2023 results at 9:00 AM, Central European Standard Time on Mar 04, 2024 Annonce • Oct 19
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2023 Results on Oct 27, 2023 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q3, 2023 results Pre-Market on Oct 27, 2023 New Risk • Jul 24
New major risk - Dividend sustainability The dividend is not well covered by earnings and cash flows. The company is paying a dividend despite being loss-making. Cash payout ratio: 151% Dividend yield: 5.5% This is considered a major risk. Companies that pay out too much of their earnings and cash flows are at risk of having to reduce or cut their dividend in future. If earnings or cash flows stagnate or fall, then there may not be enough to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. This is currently the only risk that has been identified for the company. Reported Earnings • Jul 23
Second quarter 2023 earnings released Second quarter 2023 results: Revenue: €252.6m (up 5.7% from 2Q 2022). Net loss: €10.3m (down 142% from profit in 2Q 2022). Revenue is forecast to grow 5.3% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Insurance industry in Germany. Annonce • Jul 04
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2023 Results on Jul 21, 2023 Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2023 results on Jul 21, 2023 Buying Opportunity • Apr 23
Now 3.3% undervalued after recent price drop Over the last 90 days, the stock is down 8.9%. The fair value is estimated to be €0.91, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.2% over the last year. Earnings per share has declined by 72%. For the next 3 years, revenue is forecast to grow by 5.5% per annum. Earnings is also forecast to grow by 32% per annum over the same time period. Reported Earnings • Apr 23
First quarter 2023 earnings released First quarter 2023 results: €0.005 loss per share. Revenue: €237.4m (up 5.3% from 1Q 2022). Net loss: €5.28m (down 122% from profit in 1Q 2022). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Insurance industry in Germany. Reported Earnings • Apr 09
Full year 2022 earnings released: EPS: €0.055 (vs €0.10 in FY 2021) Full year 2022 results: EPS: €0.055 (down from €0.10 in FY 2021). Revenue: €948.0m (up 2.2% from FY 2021). Net income: €59.5m (down 46% from FY 2021). Profit margin: 6.3% (down from 12% in FY 2021). The decrease in margin was driven by higher expenses. Combined ratio: 96.3% (up from 88.3% in FY 2021). Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Insurance industry in Germany. Reported Earnings • Mar 01
Full year 2022 earnings released: EPS: €0.05 (vs €0.10 in FY 2021) Full year 2022 results: EPS: €0.05 (down from €0.10 in FY 2021). Revenue: €948.0m (flat on FY 2021). Net income: €59.5m (down 46% from FY 2021). Profit margin: 6.3% (down from 12% in FY 2021). Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Germany. Buying Opportunity • Feb 25
Now 21% undervalued after recent price drop Over the last 90 days, the stock is down 8.2%. The fair value is estimated to be €1.18, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 9.1%. For the next 3 years, revenue is forecast to grow by 5.7% per annum. Earnings is also forecast to grow by 14% per annum over the same time period. Annonce • Feb 07
Línea Directa Aseguradora, S.A. to Report Fiscal Year 2022 Results on Feb 24, 2023 Línea Directa Aseguradora, S.A. announced that they will report fiscal year 2022 results on Feb 24, 2023 Buying Opportunity • Jan 06
Now 29% undervalued after recent price drop Over the last 90 days, the stock is down 3.8%. The fair value is estimated to be €1.28, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has declined by 9.1%. For the next 3 years, revenue is forecast to grow by 4.7% per annum. Earnings is also forecast to grow by 12% per annum over the same time period. Board Change • Nov 18
High number of new directors There are 5 new directors who have joined the board in the last 3 years. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Board Change • Oct 28
High number of new directors There are 5 new directors who have joined the board in the last 3 years. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Reported Earnings • Jul 25
Second quarter 2022 earnings released Second quarter 2022 results: Revenue: €257.4m (up 12% from 2Q 2021). Net income: €24.8m (down 13% from 2Q 2021). Profit margin: 9.6% (down from 12% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is expected to shrink by 2.4% compared to a 22% growth forecast for the industry in Germany. Upcoming Dividend • May 30
Upcoming dividend of €0.016 per share Eligible shareholders must have bought the stock before 06 June 2022. Payment date: 08 June 2022. Payout ratio is on the higher end at 95%, and the cash payout ratio is above 100%. Trailing yield: 5.9%. Within top quartile of German dividend payers (4.3%). Higher than average of industry peers (4.9%). Board Change • May 06
High number of new directors There are 5 new directors who have joined the board in the last 3 years. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Annonce • Mar 30
Corporacion Masaveu S.A. acquired a 5.012% stake in Línea Directa Aseguradora, S.A. (BME:LDA). Corporacion Masaveu S.A. acquired a 5.012% stake in Línea Directa Aseguradora, S.A. (BME:LDA) on March 28, 2022.
Corporacion Masaveu S.A. completed the acquisition of a 5.012% stake in Línea Directa Aseguradora, S.A. (BME:LDA) on March 28, 2022. Upcoming Dividend • Mar 22
Upcoming dividend of €0.016 per share Eligible shareholders must have bought the stock before 29 March 2022. Payment date: 31 March 2022. Payout ratio is on the higher end at 90%, and the cash payout ratio is above 100%. Trailing yield: 5.5%. Within top quartile of German dividend payers (3.6%). Higher than average of industry peers (4.7%). Board Change • Mar 04
High number of new directors There are 5 new directors who have joined the board in the last 3 years. CEO & Director Patricia de Rueda was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Reported Earnings • Feb 22
Full year 2021 earnings: Revenues miss analyst expectations Full year 2021 results: Revenue: €940.6m (up 2.4% from FY 2020). Net income: €110.1m (down 18% from FY 2020). Profit margin: 12% (down from 15% in FY 2020). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 3.7%. Over the next year, revenue is forecast to stay flat compared to a 14% growth forecast for the insurance industry in Germany. Annonce • Feb 17
Línea Directa Aseguradora, S.A. to Report Fiscal Year 2021 Results on Feb 21, 2022 Línea Directa Aseguradora, S.A. announced that they will report fiscal year 2021 results on Feb 21, 2022 Annonce • Dec 20
Línea Directa Aseguradora, S.A.(BME:LDA) dropped from FTSE All-World Index (USD) Línea Directa Aseguradora, S.A.(BME:LDA) dropped from FTSE All-World Index (USD) 
