ASX:ISU

Stock Analysis Report

Executive Summary

iSelect Limited provides online comparison and expert advisory services of insurance, utilities, and personal financial products in Australia.

Snowflake

Fundamentals

Flawless balance sheet with reasonable growth potential.

Share Price & News

How has iSelect's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

7.0%

ASX:ISU

-1.1%

AU Consumer Services

0.02%

AU Market


1 Year Return

-14.9%

ASX:ISU

33.1%

AU Consumer Services

4.8%

AU Market

ISU underperformed the Consumer Services industry which returned 33.1% over the past year.

ISU underperformed the Market in Australia which returned 4.8% over the past year.


Share holder returns

ISUIndustryMarket
7 Day7.0%-1.1%0.02%
30 Day9.6%-0.8%0.9%
90 Day13.2%10.3%6.8%
1 Year-14.9%-14.9%36.2%33.1%10.8%4.8%
3 Year-42.3%-45.2%11.8%4.5%38.0%20.1%
5 Year-41.1%-44.8%-5.7%-22.4%44.6%12.2%

Price Volatility Vs. Market

How volatile is iSelect's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is iSelect undervalued based on future cash flows and its price relative to the stock market?

0.96x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

iSelect's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

iSelect's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

iSelect is loss making, we can't compare its value to the AU Consumer Services industry average.

iSelect is loss making, we can't compare the value of its earnings to the Australia market.


Price Based on Expected Growth

Unable to calculate PEG ratio for iSelect, we can't assess if its growth is good value.


Price Based on Value of Assets

iSelect is good value based on assets compared to the AU Consumer Services industry average.


Next Steps

Future Growth

How is iSelect expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

67.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

iSelect's revenue is expected to grow by 5.3% yearly, however this is not considered high growth (20% yearly).

iSelect's earnings are expected to grow significantly at over 20% yearly.

iSelect's revenue growth is expected to exceed the Australia market average.

iSelect's earnings growth is expected to exceed the Australia market average.

iSelect's earnings growth is expected to exceed the low risk savings rate of 2.3%.


Earnings per Share Growth Estimates


Future Return on Equity

iSelect is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has iSelect performed over the past 5 years?

-29.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

iSelect does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare iSelect's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare iSelect's 1-year growth to the AU Consumer Services industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if iSelect has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if iSelect has efficiently used its assets last year compared to the AU Consumer Services industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if iSelect improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is iSelect's financial position?


Financial Position Analysis

iSelect is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

iSelect's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

iSelect has no debt.

iSelect had no debt 5 years ago.

iSelect has no debt, it does not need to be covered by operating cash flow.

iSelect has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

iSelect has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is iSelect's current dividend yield, its reliability and sustainability?

5.52%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Unable to evaluate iSelect's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate iSelect's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as iSelect has not reported any payouts.

Unable to verify if iSelect's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as iSelect has not reported any payouts.


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.9x coverage).


Next Steps

Management

What is the CEO of iSelect's salary, the management and board of directors tenure and is there insider trading?

1.3yrs

Average management tenure


CEO

Brodie Arnhold

1.3yrs

Tenure

AU$789,192

Compensation

Mr. Broderick Ernst George Arnhold, also known as Brodie, has been the Chief Executive Officer at iSelect Ltd. since August 14, 2018 and its Executive Director since April 2018. Mr. Arnhold was an Acting-C ...


CEO Compensation Analysis

Brodie's remuneration is higher than average for companies of similar size in Australia.

Brodie's compensation has increased whilst company is loss making.


Management Age and Tenure

1.3yrs

Average Tenure

The average tenure for the iSelect management team is less than 2 years, this suggests a new team.


Board Age and Tenure

4.4yrs

Average Tenure

The tenure for the iSelect board of directors is about average.


Insider Trading

No 3 month individual insider trading information.


Recent Insider Transactions

SellAU$1,179,95009 Jul 19
Burgundy Asset Management Ltd.
EntityCompany
Shares1,817,929
Max PriceAU$0.65
BuyAU$2,441,21909 Jul 19
Burgundy Asset Management Ltd.
EntityCompany
Shares3,946,654
Max PriceAU$0.62
BuyAU$5,068,09629 May 19
Burgundy Asset Management Ltd.
EntityCompany
Shares7,889,102
Max PriceAU$0.64
BuyAU$878,33211 Apr 19
Thorney Technologies Ltd
EntityCompany
Shares1,410,873
Max PriceAU$0.64
BuyAU$1,419,03411 Apr 19
Thorney International Pty Ltd
EntityCompany
Shares2,307,219
Max PriceAU$0.62
BuyAU$55,02307 Mar 19
Christopher Knoblanche
EntityIndividual
Role
Chairman of the Board
Shares75,000
Max PriceAU$0.73
BuyAU$23,40021 Feb 19
Geoffrey Stalley
EntityIndividual
Role
Member of the Board of Directors
Shares30,000
Max PriceAU$0.78
BuyAU$517,44923 Jan 19
Adam Smith Asset Management Pty Limited
EntityCompany
Shares790,000
Max PriceAU$0.65
SellAU$1,401,05923 Jan 19
Adam Smith Asset Management Pty Limited
EntityCompany
Shares1,933,295
Max PriceAU$0.72
BuyAU$4,843,64907 Dec 18
Innovation Holdings Australia Pty Ltd
EntityCompany
Shares6,540,000
Max PriceAU$0.75
SellAU$2,143,68907 Nov 18
NovaPort Capital Pty Limited
EntityCompany
Shares2,585,763
Max PriceAU$0.88
SellAU$1,68102 Nov 18
Quest Asset Partners Pty Ltd.
EntityCompany
Shares1,092
Max PriceAU$1.54
BuyAU$898,02902 Nov 18
Quest Asset Partners Pty Ltd.
EntityCompany
Shares1,072,118
Max PriceAU$0.84
SellAU$2,752,71025 Oct 18
Adam Smith Asset Management Pty Limited
EntityCompany
Shares3,704,090
Max PriceAU$0.74
BuyAU$520,58425 Oct 18
Adam Smith Asset Management Pty Limited
EntityCompany
Shares727,747
Max PriceAU$0.72
BuyAU$3,643,02527 Sep 18
Renaissance Smaller Companies Pty Ltd
EntityCompany
Shares5,312,402
Max PriceAU$0.69
BuyAU$2,413,70524 Aug 18
Renaissance Smaller Companies Pty Ltd
EntityCompany
Shares3,024,533
Max PriceAU$0.80
BuyAU$1,857,29616 Aug 18
Renaissance Smaller Companies Pty Ltd
EntityCompany
Shares2,320,131
Max PriceAU$0.80

Ownership Breakdown


Management Team

  • Slade Sherman

    Chief Experience Officer

    • Tenure: 1.4yrs
    • Compensation: A$158.71k
  • Brodie Arnhold

    CEO & Executive Director

    • Tenure: 1.3yrs
    • Compensation: A$789.19k
  • Vicki Pafumi

    Chief Financial Officer

    • Tenure: 1.0yrs
    • Compensation: A$398.18k
  • Henriette Rothschild

    Chief Operating Officer

    • Tenure: 1.9yrs
    • Compensation: A$466.81k
  • Warren Hebard

    Chief Marketing Officer

    • Tenure: 1.3yrs
    • Compensation: A$372.87k
  • Gavin Byrnes

    General Counsel & Company Secretary

    • Tenure: 0.1yrs

Board Members

  • Chris Knoblanche

    Non-Executive Chairman

    • Tenure: 4.0yrs
    • Compensation: A$270.00k
  • Brodie Arnhold

    CEO & Executive Director

    • Tenure: 4.8yrs
    • Compensation: A$789.19k
  • Shaun Bonett

    Independent Non-Executive Director

    • Tenure: 16.2yrs
    • Compensation: A$115.00k
  • Bridget Fair

    Independent Non-Executive Director

    • Tenure: 5.8yrs
    • Compensation: A$95.00k
  • Melanie Wilson

    Independent Non-Executive Director

    • Tenure: 3.3yrs
    • Compensation: A$96.83k
  • Geoff Stalley

    Non-Executive Director

    • Tenure: 0.6yrs

Company Information

iSelect Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: iSelect Limited
  • Ticker: ISU
  • Exchange: ASX
  • Founded: 2000
  • Industry: specialized consumer services
  • Sector: consumer services
  • Market Cap: AU$149.836m
  • Shares outstanding: 218.74m
  • Website: Click here

Location

  • iSelect Limited
  • 294 Bay Road
  • Cheltenham
  • Victoria
  • 3192
  • Australia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ISUASX (Australian Securities Exchange)YesOrdinary SharesAUAUDJun 2013
IZ3DB (Deutsche Boerse AG)YesOrdinary SharesDEEURJun 2013
ISUCHIA (Chi-X Australia)YesOrdinary SharesAUAUDJun 2013

Biography

iSelect Limited provides online comparison and expert advisory services of insurance, utilities, and personal financial products in Australia. The company operates through three segments: Health, Life and  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/20 10:38
End of Day Share Price2019/07/19 00:00
Earnings2018/12/31
Annual Earnings2018/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.