ASX:ISU

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Flawless balance sheet and overvalued.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: ISU's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-2.6%

ISU

-3.3%

AU Consumer Services

0.2%

AU Market


1 Year Return

-68.9%

ISU

-37.5%

AU Consumer Services

-6.6%

AU Market

Return vs Industry: ISU underperformed the Australian Consumer Services industry which returned -40.3% over the past year.

Return vs Market: ISU underperformed the Australian Market which returned -11% over the past year.


Shareholder returns

ISUIndustryMarket
7 Day-2.6%-3.3%0.2%
30 Day-2.6%-14.8%0.3%
90 Day-11.6%-8.7%13.7%
1 Year-68.9%-68.9%-34.7%-37.5%-2.8%-6.6%
3 Year-90.4%-90.7%-17.8%-27.9%18.6%2.9%
5 Year-88.6%-89.3%-46.5%-57.6%36.9%7.3%

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 compared to its fair value and its price relative to the market?

0.27x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate ISU's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate ISU's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: ISU is unprofitable, so we can't compare its PE Ratio to the AU 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 (0.3x) compared to the AU Consumer Services industry average (1.1x).


Next Steps

Future Growth

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

25.2%

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.


Next Steps

Past Performance

How has iSelect performed over the past 5 years?

-29.7%

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 29.7% 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 (-1.1%).


Return on Equity

High ROE: ISU has a negative Return on Equity (-0.91%), as it is currently unprofitable.


Next Steps

Financial Health

How is iSelect's financial position?


Financial Position Analysis

Short Term Liabilities: ISU's short term assets (A$61.5M) exceed its short term liabilities (A$29.9M).

Long Term Liabilities: ISU's short term assets (A$61.5M) exceed its long term liabilities (A$31.6M).


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


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate ISU's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate ISU's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if ISU's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ISU's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: ISU is not paying a notable dividend for the Australian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ISU's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

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

2.3yrs

Average management tenure


CEO

Brodie Arnhold

2.33yrs

Tenure

AU$1,233,405

Compensation

Mr. Broderick Ernst George Arnhold, also known as Brodie, is an Independent Non-Executive Director at Bailador Technology Investments Limited since August 30, 2019. He serves as an Independent Non-Executiv ...


CEO Compensation Analysis

Compensation vs Market: Brodie's total compensation ($USD876.31K) is above average for companies of similar size in the Australian market ($USD269.44K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Broderick Ernst Arnhold
CEO & Executive Director2.33yrsAU$1.23m0.13%
A$ 58.2k
Vicki Pafumi
Chief Financial Officer2.08yrsAU$655.16k0.073%
A$ 32.0k
Henriette Rothschild
Chief Operating Officer3yrsAU$696.37k0.022%
A$ 9.6k
Warren Hebard
Chief Marketing Officer2.33yrsAU$554.42kno data
Slade Sherman
Chief Experience Officer2.5yrsAU$598.70k0.0064%
A$ 2.8k
Gavin Byrnes
General Counsel & Company Secretary1.17yrsno datano data

2.3yrs

Average Tenure

Experienced Management: ISU's management team is considered experienced (2.3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Broderick Ernst Arnhold
CEO & Executive Director2.33yrsAU$1.23m0.13%
A$ 58.2k
Christopher Knoblanche
Independent Non-Executive Chairman5.08yrsAU$270.00k0.19%
A$ 83.6k
Shaun Bonett
Independent Non-Executive Director17.25yrsAU$115.00kno data
Bridget Fair
Independent Non-Executive Director6.92yrsAU$95.00k0.037%
A$ 16.1k
Melanie Wilson
Independent Non-Executive Director4.33yrsAU$105.00k0.020%
A$ 8.6k
Geoffrey Stalley
Independent Non-Executive Director1.67yrsAU$55.42k0.014%
A$ 6.0k

5.5yrs

Average Tenure

Experienced Board: ISU's board of directors are considered experienced (5.5 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 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$43.572m
  • Shares outstanding: 217.86m
  • Website: https://www.iselect.com.au

Number of Employees


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 advisory services of insurance, utilities, and personal financial products in Australia. The company operates through four segments: Health, Life and General ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/04 10:34
End of Day Share Price2020/08/04 00:00
Earnings2019/12/31
Annual Earnings2019/06/30


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.