Executive Summary
Ensurance Limited engages in the underwriting and sale of insurance products in Australia and the United Kingdom. More Details
Snowflake Analysis
Weak fundamentals or lack of information.
Share Price & News
How has Ensurance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ENA's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
16.7%
ENA
-3.0%
AU Insurance
-1.6%
AU Market
1 Year Return
5.0%
ENA
-33.7%
AU Insurance
-10.9%
AU Market
Return vs Industry: ENA exceeded the Australian Insurance industry which returned -33.7% over the past year.
Return vs Market: ENA exceeded the Australian Market which returned -10.9% over the past year.
Shareholder returns
| ENA | Industry | Market | |
|---|---|---|---|
| 7 Day | 16.7% | -3.0% | -1.6% |
| 30 Day | 31.3% | -11.4% | -3.7% |
| 90 Day | 5.0% | -12.3% | -1.4% |
| 1 Year | 5.0%5.0% | -31.9%-33.7% | -7.7%-10.9% |
| 3 Year | -75.3%-75.3% | -13.3%-24.0% | 16.2%1.3% |
| 5 Year | -86.5%-88.3% | 2.3%-18.7% | 37.8%9.6% |
Price Volatility Vs. Market
How volatile is Ensurance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall St
How Does Ensurance's (ASX:ENA) CEO Pay Compare With Company Performance?3 months ago | Simply Wall St
Do Institutions Own Ensurance Limited (ASX:ENA) Shares?5 months ago | Simply Wall St
If You Had Bought Ensurance (ASX:ENA) Stock Three Years Ago, You'd Be Sitting On A 92% Loss, TodayValuation
Is Ensurance undervalued compared to its fair value and its price relative to the market?
In this section, we usually try to help investors determine whether Ensurance is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Ensurance has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.
This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.
Next Steps
- Take a look at our analysis of ENA's management and see if the CEO's compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don't know where to start, we recommend reading through Ensurance regulatory filings.
- Explore potentially undervalued companies in the Insurance industry.
Future Growth
How is Ensurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
26.9%
Forecasted Insurance 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 Ensurance 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
- Take a look at our analysis of ENA’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- Ensurance competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Insurance industry.
Past Performance
How has Ensurance performed over the past 5 years?
-6.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ENA is currently unprofitable.
Growing Profit Margin: ENA is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: ENA is unprofitable, and losses have increased over the past 5 years at a rate of 6.3% per year.
Accelerating Growth: Unable to compare ENA's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: ENA is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-33.8%).
Return on Equity
High ROE: ENA's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Next Steps
Financial Health
How is Ensurance's financial position?
Financial Position Analysis
Short Term Liabilities: ENA has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: ENA has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: ENA has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: ENA's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: ENA has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: ENA has less than a year of cash runway if free cash flow continues to reduce at historical rates of 21.2% each year
Next Steps
Dividend
What is Ensurance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ENA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ENA'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 ENA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ENA's dividend payments have been increasing.
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: No need to calculate the sustainability of ENA'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?
3.0yrs
Average board tenure
CEO
Tim James
3.83yrs
Tenure
AU$395,962
Compensation
Mr. Tim James has been the Chief Executive Officer of Ensurance UK Limited at Ensurance Limited since December 01, 2016.
CEO Compensation Analysis
Compensation vs Market: Tim's total compensation ($USD283.84K) is about average for companies of similar size in the Australian market ($USD279.42K).
Compensation vs Earnings: Tim's compensation has increased whilst the company is unprofitable.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 3yrs | AU$225.53k | 21.01% A$ 2.4m | |
| Independent Non-Executive Director | 8.17yrs | AU$49.28k | 1.12% A$ 127.5k | |
| Independent Non-Executive Director | 2.42yrs | AU$48.56k | 0.92% A$ 104.7k |
3.0yrs
Average Tenure
Experienced Board: ENA's board of directors are considered experienced (3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ENA insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 80.6%.
Top Shareholders
Company Information
Ensurance Limited's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Ensurance Limited
- Ticker: ENA
- Exchange: ASX
- Founded:
- Industry: Insurance Brokers
- Sector: Insurance
- Market Cap: AU$11.419m
- Shares outstanding: 570.96m
- Website: https://www.ensurance.com.au
Location
- Ensurance Limited
- Westfield Tower 2
- Level 21
- Bondi Junction
- New South Wales
- 2022
- Australia
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| ENA | ASX (Australian Securities Exchange) | Yes | Ordinary Shares | AU | AUD | May 2015 |
| ENA | CHIA (Chi-X Australia) | Yes | Ordinary Shares | AU | AUD | May 2015 |
Biography
Ensurance Limited engages in the underwriting and sale of insurance products in Australia and the United Kingdom. The company provides contractors-all risk, contractors-plant and equipment, home build, com ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/10/01 10:34 |
| End of Day Share Price | 2020/10/01 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2020/06/30 |
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.