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ISU

iSelectASX:ISU Stock Report

Market Cap

AU$74.4m

7D

-1.4%

1Y

-1.4%

Updated

16 Oct, 2021

Data

Company Financials
ISU fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance0/6
Financial Health6/6
Dividends2/6

ISU Overview

iSelect Limited provides online comparison and purchase services for insurance, utilities, and personal finance products in Australia.

Price History & Performance

Summary of all time highs, changes and price drops for iSelect
Historical stock prices
Current Share PriceAU$0.34
52 Week HighAU$0.24
52 Week LowAU$0.55
Beta1.11
1 Month Change-10.53%
3 Month Change-29.17%
1 Year Change-1.45%
3 Year Change-47.29%
5 Year Change-81.62%
Change since IPO-78.21%

Recent News & Updates

Apr 15
Estimating The Intrinsic Value Of iSelect Limited (ASX:ISU)

Estimating The Intrinsic Value Of iSelect Limited (ASX:ISU)

Today we will run through one way of estimating the intrinsic value of iSelect Limited ( ASX:ISU ) by taking the...

Shareholder Returns

ISUAU Consumer ServicesAU Market
7D-1.4%3.6%0.9%
1Y-1.4%58.1%20.2%

Return vs Industry: ISU underperformed the Australian Consumer Services industry which returned 58.1% over the past year.

Return vs Market: ISU underperformed the Australian Market which returned 20.2% over the past year.

Price Volatility

Is ISU's price volatile compared to industry and market?
ISU volatility
ISU Beta1.11
Industry Beta0.95
Market Beta1

Stable Share Price: ISU is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: ISU's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2000300Warren Hebardhttps://www.iselect.com.au

iSelect Limited provides online comparison and purchase services for insurance, utilities, and personal finance products in Australia. The company operates through four segments: Health, Life and General Insurance, Energy and Telecommunications, and Other. It compares and sells private health, life, car, pet, travel, business, and home and contents insurance, as well as overseas health cover products; and home, car, personal, and business loans, as well as income protection products and credit cards.

iSelect Fundamentals Summary

How do iSelect's earnings and revenue compare to its market cap?
ISU fundamental statistics
Market CapAU$74.37m
Earnings (TTM)-AU$1.99m
Revenue (TTM)AU$110.97m

0.7x

P/S Ratio

-37.3x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ISU income statement (TTM)
RevenueAU$110.97m
Cost of RevenueAU$67.43m
Gross ProfitAU$43.54m
ExpensesAU$45.54m
Earnings-AU$1.99m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.0091
Gross Margin39.24%
Net Profit Margin-1.80%
Debt/Equity Ratio0%

How did ISU perform over the long term?

See historical performance and comparison

Dividends

5.9%

Current Dividend Yield

n/a

Payout Ratio

Valuation

Is iSelect undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: ISU (A$0.34) is trading below our estimate of fair value (A$1.66)

Significantly Below Fair Value: ISU is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: ISU is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Services industry average.

PE vs Market: ISU is unprofitable, so we can't compare its PE Ratio to the Australian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ISU's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: ISU is good value based on its PB Ratio (0.7x) compared to the AU Consumer Services industry average (2.6x).


Future Growth

How is iSelect forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

40.4%

Forecasted Consumer Services industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as iSelect has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has iSelect performed over the past 5 years?

-64.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: ISU is currently unprofitable.

Growing Profit Margin: ISU is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: ISU is unprofitable, and losses have increased over the past 5 years at a rate of 64.2% per year.

Accelerating Growth: Unable to compare ISU's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: ISU is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Services industry (43.2%).


Return on Equity

High ROE: ISU has a negative Return on Equity (-1.86%), as it is currently unprofitable.


Financial Health

How is iSelect's financial position?


Financial Position Analysis

Short Term Liabilities: ISU's short term assets (A$61.6M) exceed its short term liabilities (A$30.6M).

Long Term Liabilities: ISU's short term assets (A$61.6M) exceed its long term liabilities (A$31.0M).


Debt to Equity History and Analysis

Debt Level: ISU is debt free.

Reducing Debt: ISU had no debt 5 years ago.

Debt Coverage: ISU has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: ISU has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

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

5.88%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: ISU's dividend (5.88%) is higher than the bottom 25% of dividend payers in the Australian market (2.27%).

High Dividend: ISU's dividend (5.88%) is in the top 25% of dividend payers in the Australian market (5.32%)


Stability and Growth of Payments

Stable Dividend: ISU has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: ISU has only been paying a dividend for 6 years, and since then payments have not increased.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.7yrs

Average management tenure


CEO

Warren Hebard

0.92

Tenure

AU$779,630

Compensation

Mr. Warren Hebard has been Chief Executive Officer of iSelect Limited since November 1, 2020. He joined iSelect Limited on April 3, 2018 and was its Chief Marketing Officer since August 3, 2018 until until...


CEO Compensation Analysis

Compensation vs Market: Warren's total compensation ($USD578.66K) is above average for companies of similar size in the Australian market ($USD302.45K).

Compensation vs Earnings: Warren's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: ISU's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: ISU's board of directors are considered experienced (5.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

iSelect Limited's 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$74.373m
  • Shares outstanding: 218.74m
  • Website: https://www.iselect.com.au

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/16 07:03
End of Day Share Price2021/10/15 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


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.