View Past PerformanceLínea Directa Aseguradora Compañía de Seguros y Reaseguros バランスシートの健全性財務の健全性 基準チェック /46Línea Directa Aseguradora Compañía de Seguros y Reasegurosの総株主資本は€404.5M 、総負債は€0.0で、負債比率は0%となります。総資産と総負債はそれぞれ€1.4Bと€970.2Mです。主要情報0%負債資本比率€0負債インタレスト・カバレッジ・レシオn/a現金€74.95mエクイティ€404.46m負債合計€970.25m総資産€1.37b財務の健全性に関する最新情報更新なしすべての更新を表示Recent updatesお知らせ • Apr 20Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2026 Results on Apr 27, 2026Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2026 results Pre-Market on Apr 27, 2026Upcoming Dividend • Apr 13Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 20 April 2026. Payment date: 22 April 2026. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of Spanish dividend payers (5.0%). Lower than average of industry peers (4.6%).New Risk • Mar 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 4.3% 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: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.3% average weekly change).New Risk • Feb 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.9% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Reported Earnings • Feb 24Full year 2025 earnings releasedFull year 2025 results: Revenue: €1.21b (up 15% from FY 2024). Net income: €127.5m (up 99% from FY 2024). Profit margin: 11% (up from 6.1% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.2% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Insurance industry in Europe.お知らせ • Feb 24Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 09, 2026Línea 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お知らせ • Feb 16Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2025 Results on Feb 23, 2026Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2025 results Pre-Market on Feb 23, 2026Upcoming Dividend • Nov 26Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 03 December 2025. Payment date: 05 December 2025. Payout ratio is a comfortable 18% and this is well supported by cash flows. Trailing yield: 3.6%. Lower than top quartile of Spanish dividend payers (5.2%). Lower than average of industry peers (4.3%).Reported Earnings • Oct 28Third quarter 2025 earnings releasedThird quarter 2025 results: EPS: €0.28. Revenue: €306.7m (up 12% from 3Q 2024). Net income: €301.5m (up €286.2m from 3Q 2024). Profit margin: 98% (up from 5.6% in 3Q 2024). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 3.3% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 66% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.New Risk • Oct 28New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 16% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 16% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.お知らせ • Oct 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Nine Months, 2025 Results on Oct 27, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report nine months, 2025 results on Oct 27, 2025Buy Or Sell Opportunity • Aug 29Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.5% to €1.33. The fair value is estimated to be €1.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has declined by 2.7%. For the next 3 years, revenue is forecast to grow by 5.7% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.Buy Or Sell Opportunity • Aug 12Now 20% undervaluedOver the last 90 days, the stock has risen 5.6% to €1.35. The fair value is estimated to be €1.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has declined by 2.7%. For the next 3 years, revenue is forecast to grow by 5.7% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.Buy Or Sell Opportunity • Jul 24Now 21% undervaluedOver the last 90 days, the stock has risen 9.1% to €1.36. The fair value is estimated to be €1.72, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.6% over the last 3 years, while earnings per share has been flat. For the next 3 years, revenue is forecast to grow by 4.2% per annum. Earnings are also forecast to grow by 9.8% per annum over the same time period.お知らせ • Jul 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2025 Results on Jul 23, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2025 results on Jul 23, 2025Price Target Changed • Jul 08Price target increased by 7.2% to €1.27Up from €1.18, the current price target is an average from 6 analysts. New target price is 5.6% below last closing price of €1.34. Stock is up 18% over the past year. The company is forecast to post earnings per share of €0.078 for next year compared to €0.059 last year.お知らせ • Apr 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2025 Results on Apr 28, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2025 results Pre-Market on Apr 28, 2025Reported Earnings • Apr 14Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: €0.059 (up from €0.004 loss in FY 2023). Revenue: €1.05b (up 2.9% from FY 2023). Net income: €64.2m (up €68.6m from FY 2023). Profit margin: 6.1% (up from net loss in FY 2023). The move to profitability was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 6.1% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Apr 08Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 15 April 2025. Payment date: 22 April 2025. Trailing yield: 4.9%. Lower than top quartile of Spanish dividend payers (5.5%). In line with average of industry peers (4.6%).Buy Or Sell Opportunity • Apr 01Now 24% undervaluedOver the last 90 days, the stock has risen 7.0% to €1.16. The fair value is estimated to be €1.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. For the next 3 years, revenue is forecast to grow by 4.1% per annum. Earnings are also forecast to grow by 14% per annum over the same time period.お知らせ • Mar 04Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 10, 2025Línea 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分析記事 • Feb 21Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros (BME:LDA) Investors Are Less Pessimistic Than ExpectedWith a median price-to-sales (or "P/S") ratio of close to 1.1x in the Insurance industry in Spain, you could be...新しいナラティブ • Feb 02Efficient Digital Channels Will Lower Expenses And Optimize Net Margins Digital transformation and cross-selling strategies in non-Motor and Health insurance are set to improve net margins and boost revenue growth. Price Target Changed • Jan 30Price target increased by 8.2% to €1.14Up from €1.06, the current price target is an average from 6 analysts. New target price is 7.9% below last closing price of €1.24. Stock is up 31% over the past year. The company is forecast to post earnings per share of €0.053 next year compared to a net loss per share of €0.004 last year.お知らせ • Jan 20+ 1 more updateLínea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2024 Results on Jan 29, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2024 results Pre-Market on Jan 29, 2025Buy Or Sell Opportunity • Nov 25Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.9% to €1.02. The fair value is estimated to be €1.31, 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 22Third quarter 2024 earnings releasedThird 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.お知らせ • Oct 03Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2024 Results on Oct 21, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q3, 2024 results Pre-Market on Oct 21, 2024分析記事 • Sep 03What Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' (BME:LDA) P/S Is Not Telling YouIt's not a stretch to say that Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' ( BME:LDA...Reported Earnings • Jul 26Second quarter 2024 earnings releasedSecond 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.お知らせ • Jul 13Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q2, 2024 Results on Jul 24, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q2, 2024 results Pre-Market on Jul 24, 2024Major Estimate Revision • Jul 05Consensus EPS estimates increase by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from €0.045 to €0.051. Revenue forecast steady at €977.6m. Net income forecast to grow 433% next year vs 14% growth forecast for Insurance industry in Spain. Consensus price target of €1.03 unchanged from last update. Share price fell 2.1% to €1.13 over the past week.Price Target Changed • May 08Price target increased by 7.3% to €1.03Up from €0.96, the current price target is an average from 7 analysts. New target price is approximately in line with last closing price of €1.04. Stock is up 25% over the past year. The company is forecast to post earnings per share of €0.043 next year compared to a net loss per share of €0.004 last year.Reported Earnings • May 01First quarter 2024 earnings releasedFirst 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. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 89 percentage points per year, which is a significant difference in performance.分析記事 • Apr 30Some Confidence Is Lacking In Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' (BME:LDA) P/SThere wouldn't be many who think Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' ( BME:LDA...お知らせ • Mar 29Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2024 Results on Apr 29, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2024 results on Apr 29, 2024Buy Or Sell Opportunity • Mar 06Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.8% to €0.86. The fair value is estimated to be €1.08, 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 year. Meanwhile, the company became loss making.お知らせ • Mar 05Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 11, 2024Línea 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 01Insufficient new directorsThere 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.お知らせ • Jan 18Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2023 Results on Mar 04, 2024Línea 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お知らせ • Oct 19Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2023 Results on Oct 27, 2023Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q3, 2023 results Pre-Market on Oct 27, 2023New Risk • Aug 22New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 3.8% 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: 147% Minor Risk Share price has been volatile over the past 3 months (3.8% average weekly change).New Risk • Jul 23New major risk - Dividend sustainabilityThe 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 23Second quarter 2023 earnings releasedSecond 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 7.6% growth forecast for the Insurance industry in Europe.Major Estimate Revision • Jul 12Consensus EPS estimates fall by 46%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.024 to €0.013 per share. Revenue forecast steady at €955.8m. Net income forecast to shrink 46% next year vs 16% growth forecast for Insurance industry in Spain . Consensus price target of €0.92 unchanged from last update. Share price rose 3.0% to €0.86 over the past week.お知らせ • Jul 04Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2023 Results on Jul 21, 2023Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2023 results on Jul 21, 2023Major Estimate Revision • Jun 07Consensus EPS estimates fall by 17%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.029 to €0.024 per share. Revenue forecast steady at €957.2m. Net income forecast to shrink 6.3% next year vs 18% growth forecast for Insurance industry in Spain . Consensus price target broadly unchanged at €0.93. Share price was steady at €0.88 over the past week.Major Estimate Revision • Apr 18Consensus EPS estimates fall by 16%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.05 to €0.042 per share. Revenue forecast steady at €953.3m. Net income forecast to shrink 9.3% next year vs 20% growth forecast for Insurance industry in Spain . Consensus price target of €1.00 unchanged from last update. Share price fell 5.6% to €0.92 over the past week.Reported Earnings • Apr 09Full year 2022 earnings: EPS misses analyst expectationsFull 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 was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 14%. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Insurance industry in Europe.Reported Earnings • Mar 01Full year 2022 earnings: EPS misses analyst expectationsFull 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 was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 14%. Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 7.0% growth forecast for the Insurance industry in Europe.お知らせ • Feb 07Línea Directa Aseguradora, S.A. to Report Fiscal Year 2022 Results on Feb 24, 2023Línea Directa Aseguradora, S.A. announced that they will report fiscal year 2022 results on Feb 24, 2023Buying Opportunity • Jan 25Now 20% undervaluedOver the last 90 days, the stock is up 2.7%. The fair value is estimated to be €1.20, 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 5.3% per annum. Earnings is also forecast to grow by 11% per annum over the same time period.Price Target Changed • Jan 12Price target decreased to €1.24Down from €1.39, the current price target is an average from 6 analysts. New target price is 31% above last closing price of €0.95. Stock is down 41% over the past year. The company is forecast to post earnings per share of €0.064 for next year compared to €0.10 last year.Board Change • Nov 16High number of new directorsThere 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.Price Target Changed • Oct 24Price target decreased to €1.38Down from €1.54, the current price target is an average from 6 analysts. New target price is 51% above last closing price of €0.91. Stock is down 47% over the past year. The company is forecast to post earnings per share of €0.073 for next year compared to €0.10 last year.Price Target Changed • Oct 14Price target decreased to €1.45Down from €1.56, the current price target is an average from 6 analysts. New target price is 61% above last closing price of €0.90. Stock is down 46% over the past year. The company is forecast to post earnings per share of €0.08 for next year compared to €0.10 last year.Price Target Changed • Jul 26Price target decreased to €1.58Down from €1.72, the current price target is an average from 6 analysts. New target price is 48% above last closing price of €1.07. Stock is down 39% over the past year. The company is forecast to post earnings per share of €0.08 for next year compared to €0.10 last year.Reported Earnings • Jul 25Second quarter 2022 earnings: Revenues exceed analyst expectationsSecond 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. Revenue exceeded analyst estimates by 7.4%. Over the next year, revenue is expected to shrink by 2.4% compared to a 19% growth forecast for the industry in Spain.Upcoming Dividend • May 30Upcoming dividend of €0.016 per shareEligible 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: 6.0%. Within top quartile of Spanish dividend payers (5.3%). Higher than average of industry peers (5.4%).Board Change • Apr 27High number of new directorsThere 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.Upcoming Dividend • Mar 22Upcoming dividend of €0.016 per shareEligible 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: 5.3%. Lower than top quartile of Spanish dividend payers (5.6%). In line with average of industry peers (5.1%).Board Change • Mar 04High number of new directorsThere 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.Major Estimate Revision • Feb 28Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in 2022 has deteriorated. 2022 revenue forecast decreased from €953.9m to €915.7m. EPS estimate also fell from €0.10 per share to €0.09 per share. Net income forecast to shrink 9.7% next year vs 1.7% growth forecast for Insurance industry in Spain . Consensus price target broadly unchanged at €1.84. Share price was steady at €1.50 over the past week.Reported Earnings • Feb 22Full year 2021 earnings: Revenues miss analyst expectationsFull 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 101% growth forecast for the insurance industry in Spain.分析記事 • Nov 04Línea Directa Aseguradora, S.A.'s (BME:LDA) Earnings Are Not Doing Enough For Some InvestorsWhen close to half the companies in Spain have price-to-earnings ratios (or "P/E's") above 20x, you may consider Línea...Upcoming Dividend • Sep 28Upcoming dividend of €0.019 per shareEligible shareholders must have bought the stock before 05 October 2021. Payment date: 07 October 2021. Trailing yield: 2.8%. Lower than top quartile of Spanish dividend payers (5.1%). Lower than average of industry peers (4.8%).財務状況分析短期負債: LDAの 短期資産 ( €123.8M ) は 短期負債 ( €523.6M ) をカバーしていません。長期負債: LDAの短期資産 ( €123.8M ) は 長期負債 ( €446.6M ) をカバーしていません。デット・ツー・エクイティの歴史と分析負債レベル: LDAは負債がありません。負債の削減: LDA負債比率が28%であった 5 年前と比べて負債がありません。債務返済能力: LDAには負債がないため、営業キャッシュフロー でカバーする必要はありません。インタレストカバレッジ: LDAには負債がないため、利息支払い の負担は問題になりません。貸借対照表健全な企業の発掘7D1Y7D1Y7D1YInsurance 業界の健全な企業。View Dividend企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 21:20終値2026/05/21 00:00収益2025/12/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros 7 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。9 アナリスト機関Juan Lopez CoboBanco SantanderThomas BatemanBerenbergJavier Beldarrain PascualBestinver Sociedad De Valores, S.A6 その他のアナリストを表示
お知らせ • Apr 20Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2026 Results on Apr 27, 2026Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2026 results Pre-Market on Apr 27, 2026
Upcoming Dividend • Apr 13Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 20 April 2026. Payment date: 22 April 2026. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of Spanish dividend payers (5.0%). Lower than average of industry peers (4.6%).
New Risk • Mar 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 4.3% 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: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.3% average weekly change).
New Risk • Feb 24New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.9% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Reported Earnings • Feb 24Full year 2025 earnings releasedFull year 2025 results: Revenue: €1.21b (up 15% from FY 2024). Net income: €127.5m (up 99% from FY 2024). Profit margin: 11% (up from 6.1% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.2% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Insurance industry in Europe.
お知らせ • Feb 24Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 09, 2026Línea 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
お知らせ • Feb 16Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2025 Results on Feb 23, 2026Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2025 results Pre-Market on Feb 23, 2026
Upcoming Dividend • Nov 26Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 03 December 2025. Payment date: 05 December 2025. Payout ratio is a comfortable 18% and this is well supported by cash flows. Trailing yield: 3.6%. Lower than top quartile of Spanish dividend payers (5.2%). Lower than average of industry peers (4.3%).
Reported Earnings • Oct 28Third quarter 2025 earnings releasedThird quarter 2025 results: EPS: €0.28. Revenue: €306.7m (up 12% from 3Q 2024). Net income: €301.5m (up €286.2m from 3Q 2024). Profit margin: 98% (up from 5.6% in 3Q 2024). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 3.3% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 66% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
New Risk • Oct 28New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 16% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 16% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
お知らせ • Oct 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Nine Months, 2025 Results on Oct 27, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report nine months, 2025 results on Oct 27, 2025
Buy Or Sell Opportunity • Aug 29Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.5% to €1.33. The fair value is estimated to be €1.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has declined by 2.7%. For the next 3 years, revenue is forecast to grow by 5.7% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.
Buy Or Sell Opportunity • Aug 12Now 20% undervaluedOver the last 90 days, the stock has risen 5.6% to €1.35. The fair value is estimated to be €1.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has declined by 2.7%. For the next 3 years, revenue is forecast to grow by 5.7% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.
Buy Or Sell Opportunity • Jul 24Now 21% undervaluedOver the last 90 days, the stock has risen 9.1% to €1.36. The fair value is estimated to be €1.72, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.6% over the last 3 years, while earnings per share has been flat. For the next 3 years, revenue is forecast to grow by 4.2% per annum. Earnings are also forecast to grow by 9.8% per annum over the same time period.
お知らせ • Jul 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2025 Results on Jul 23, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2025 results on Jul 23, 2025
Price Target Changed • Jul 08Price target increased by 7.2% to €1.27Up from €1.18, the current price target is an average from 6 analysts. New target price is 5.6% below last closing price of €1.34. Stock is up 18% over the past year. The company is forecast to post earnings per share of €0.078 for next year compared to €0.059 last year.
お知らせ • Apr 14Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2025 Results on Apr 28, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2025 results Pre-Market on Apr 28, 2025
Reported Earnings • Apr 14Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: €0.059 (up from €0.004 loss in FY 2023). Revenue: €1.05b (up 2.9% from FY 2023). Net income: €64.2m (up €68.6m from FY 2023). Profit margin: 6.1% (up from net loss in FY 2023). The move to profitability was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 6.1% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Apr 08Upcoming dividend of €0.011 per shareEligible shareholders must have bought the stock before 15 April 2025. Payment date: 22 April 2025. Trailing yield: 4.9%. Lower than top quartile of Spanish dividend payers (5.5%). In line with average of industry peers (4.6%).
Buy Or Sell Opportunity • Apr 01Now 24% undervaluedOver the last 90 days, the stock has risen 7.0% to €1.16. The fair value is estimated to be €1.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. For the next 3 years, revenue is forecast to grow by 4.1% per annum. Earnings are also forecast to grow by 14% per annum over the same time period.
お知らせ • Mar 04Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 10, 2025Línea 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
分析記事 • Feb 21Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros (BME:LDA) Investors Are Less Pessimistic Than ExpectedWith a median price-to-sales (or "P/S") ratio of close to 1.1x in the Insurance industry in Spain, you could be...
新しいナラティブ • Feb 02Efficient Digital Channels Will Lower Expenses And Optimize Net Margins Digital transformation and cross-selling strategies in non-Motor and Health insurance are set to improve net margins and boost revenue growth.
Price Target Changed • Jan 30Price target increased by 8.2% to €1.14Up from €1.06, the current price target is an average from 6 analysts. New target price is 7.9% below last closing price of €1.24. Stock is up 31% over the past year. The company is forecast to post earnings per share of €0.053 next year compared to a net loss per share of €0.004 last year.
お知らせ • Jan 20+ 1 more updateLínea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2024 Results on Jan 29, 2025Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report fiscal year 2024 results Pre-Market on Jan 29, 2025
Buy Or Sell Opportunity • Nov 25Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.9% to €1.02. The fair value is estimated to be €1.31, 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 22Third quarter 2024 earnings releasedThird 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.
お知らせ • Oct 03Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2024 Results on Oct 21, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q3, 2024 results Pre-Market on Oct 21, 2024
分析記事 • Sep 03What Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' (BME:LDA) P/S Is Not Telling YouIt's not a stretch to say that Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' ( BME:LDA...
Reported Earnings • Jul 26Second quarter 2024 earnings releasedSecond 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.
お知らせ • Jul 13Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q2, 2024 Results on Jul 24, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q2, 2024 results Pre-Market on Jul 24, 2024
Major Estimate Revision • Jul 05Consensus EPS estimates increase by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from €0.045 to €0.051. Revenue forecast steady at €977.6m. Net income forecast to grow 433% next year vs 14% growth forecast for Insurance industry in Spain. Consensus price target of €1.03 unchanged from last update. Share price fell 2.1% to €1.13 over the past week.
Price Target Changed • May 08Price target increased by 7.3% to €1.03Up from €0.96, the current price target is an average from 7 analysts. New target price is approximately in line with last closing price of €1.04. Stock is up 25% over the past year. The company is forecast to post earnings per share of €0.043 next year compared to a net loss per share of €0.004 last year.
Reported Earnings • May 01First quarter 2024 earnings releasedFirst 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. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 89 percentage points per year, which is a significant difference in performance.
分析記事 • Apr 30Some Confidence Is Lacking In Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' (BME:LDA) P/SThere wouldn't be many who think Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros' ( BME:LDA...
お知らせ • Mar 29Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q1, 2024 Results on Apr 29, 2024Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report Q1, 2024 results on Apr 29, 2024
Buy Or Sell Opportunity • Mar 06Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.8% to €0.86. The fair value is estimated to be €1.08, 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 year. Meanwhile, the company became loss making.
お知らせ • Mar 05Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros, Annual General Meeting, Apr 11, 2024Línea 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 01Insufficient new directorsThere 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.
お知らせ • Jan 18Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Fiscal Year 2023 Results on Mar 04, 2024Línea 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
お知らせ • Oct 19Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report Q3, 2023 Results on Oct 27, 2023Línea 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 • Aug 22New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Spanish stocks, typically moving 3.8% 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: 147% Minor Risk Share price has been volatile over the past 3 months (3.8% average weekly change).
New Risk • Jul 23New major risk - Dividend sustainabilityThe 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 23Second quarter 2023 earnings releasedSecond 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 7.6% growth forecast for the Insurance industry in Europe.
Major Estimate Revision • Jul 12Consensus EPS estimates fall by 46%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.024 to €0.013 per share. Revenue forecast steady at €955.8m. Net income forecast to shrink 46% next year vs 16% growth forecast for Insurance industry in Spain . Consensus price target of €0.92 unchanged from last update. Share price rose 3.0% to €0.86 over the past week.
お知らせ • Jul 04Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros to Report First Half, 2023 Results on Jul 21, 2023Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros announced that they will report first half, 2023 results on Jul 21, 2023
Major Estimate Revision • Jun 07Consensus EPS estimates fall by 17%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.029 to €0.024 per share. Revenue forecast steady at €957.2m. Net income forecast to shrink 6.3% next year vs 18% growth forecast for Insurance industry in Spain . Consensus price target broadly unchanged at €0.93. Share price was steady at €0.88 over the past week.
Major Estimate Revision • Apr 18Consensus EPS estimates fall by 16%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from €0.05 to €0.042 per share. Revenue forecast steady at €953.3m. Net income forecast to shrink 9.3% next year vs 20% growth forecast for Insurance industry in Spain . Consensus price target of €1.00 unchanged from last update. Share price fell 5.6% to €0.92 over the past week.
Reported Earnings • Apr 09Full year 2022 earnings: EPS misses analyst expectationsFull 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 was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 14%. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Insurance industry in Europe.
Reported Earnings • Mar 01Full year 2022 earnings: EPS misses analyst expectationsFull 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 was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 14%. Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 7.0% growth forecast for the Insurance industry in Europe.
お知らせ • Feb 07Línea Directa Aseguradora, S.A. to Report Fiscal Year 2022 Results on Feb 24, 2023Línea Directa Aseguradora, S.A. announced that they will report fiscal year 2022 results on Feb 24, 2023
Buying Opportunity • Jan 25Now 20% undervaluedOver the last 90 days, the stock is up 2.7%. The fair value is estimated to be €1.20, 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 5.3% per annum. Earnings is also forecast to grow by 11% per annum over the same time period.
Price Target Changed • Jan 12Price target decreased to €1.24Down from €1.39, the current price target is an average from 6 analysts. New target price is 31% above last closing price of €0.95. Stock is down 41% over the past year. The company is forecast to post earnings per share of €0.064 for next year compared to €0.10 last year.
Board Change • Nov 16High number of new directorsThere 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.
Price Target Changed • Oct 24Price target decreased to €1.38Down from €1.54, the current price target is an average from 6 analysts. New target price is 51% above last closing price of €0.91. Stock is down 47% over the past year. The company is forecast to post earnings per share of €0.073 for next year compared to €0.10 last year.
Price Target Changed • Oct 14Price target decreased to €1.45Down from €1.56, the current price target is an average from 6 analysts. New target price is 61% above last closing price of €0.90. Stock is down 46% over the past year. The company is forecast to post earnings per share of €0.08 for next year compared to €0.10 last year.
Price Target Changed • Jul 26Price target decreased to €1.58Down from €1.72, the current price target is an average from 6 analysts. New target price is 48% above last closing price of €1.07. Stock is down 39% over the past year. The company is forecast to post earnings per share of €0.08 for next year compared to €0.10 last year.
Reported Earnings • Jul 25Second quarter 2022 earnings: Revenues exceed analyst expectationsSecond 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. Revenue exceeded analyst estimates by 7.4%. Over the next year, revenue is expected to shrink by 2.4% compared to a 19% growth forecast for the industry in Spain.
Upcoming Dividend • May 30Upcoming dividend of €0.016 per shareEligible 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: 6.0%. Within top quartile of Spanish dividend payers (5.3%). Higher than average of industry peers (5.4%).
Board Change • Apr 27High number of new directorsThere 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.
Upcoming Dividend • Mar 22Upcoming dividend of €0.016 per shareEligible 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: 5.3%. Lower than top quartile of Spanish dividend payers (5.6%). In line with average of industry peers (5.1%).
Board Change • Mar 04High number of new directorsThere 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.
Major Estimate Revision • Feb 28Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in 2022 has deteriorated. 2022 revenue forecast decreased from €953.9m to €915.7m. EPS estimate also fell from €0.10 per share to €0.09 per share. Net income forecast to shrink 9.7% next year vs 1.7% growth forecast for Insurance industry in Spain . Consensus price target broadly unchanged at €1.84. Share price was steady at €1.50 over the past week.
Reported Earnings • Feb 22Full year 2021 earnings: Revenues miss analyst expectationsFull 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 101% growth forecast for the insurance industry in Spain.
分析記事 • Nov 04Línea Directa Aseguradora, S.A.'s (BME:LDA) Earnings Are Not Doing Enough For Some InvestorsWhen close to half the companies in Spain have price-to-earnings ratios (or "P/E's") above 20x, you may consider Línea...
Upcoming Dividend • Sep 28Upcoming dividend of €0.019 per shareEligible shareholders must have bought the stock before 05 October 2021. Payment date: 07 October 2021. Trailing yield: 2.8%. Lower than top quartile of Spanish dividend payers (5.1%). Lower than average of industry peers (4.8%).
