How does GDG's PS Ratio compare to its peers?

GDG is expensive based on its Price-To-Sales Ratio (3.3x) compared to the peer average (0.8x).

How does GDG's PS Ratio compare vs other companies in the Global Insurance Industry?

GDG is expensive based on its Price-To-Sales Ratio (3.3x) compared to the Global Insurance industry average (0.9x).

What is GDG's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GDG is expensive based on its Price-To-Sales Ratio (3.3x) compared to the estimated Fair Price-To-Sales Ratio (1x).

What is the Fair Price of GDG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

GDG (A$3.62) is trading above our estimate of [[fair value]] (A$0.26)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Generation Development Group (CHIA:GDG) - Stock Price, News & Analysis

GDG Stock Overview

Engages in the marketing and management of life insurance and life investment products and services in Australia. More details

GDG fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	3/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Earnings are forecast to grow 42.29% per year

Earnings grew by 30.3% over the past year

Risk Analysis

Shareholders have been substantially diluted in the past year

Significant insider selling over the past 3 months

Generation Development Group Limited Competitors

nib holdings

ASX:NHF

AU$2.8b

ClearView Wealth

ASX:CVW

AU$237.8m

NobleOak Life

ASX:NOL

AU$138.2m

Medibank Private

ASX:MPL

AU$10.5b

Price History & Performance

Summary of all time highs, changes and price drops for Generation Development Group
Historical stock prices
Current Share Price	AU$3.62
52 Week High	AU$3.64
52 Week Low	AU$1.47
Beta	0.70
11 Month Change	12.77%
3 Month Change	37.12%
1 Year Change	127.67%
33 Year Change	159.50%
5 Year Change	424.64%
Change since IPO	934.29%

Recent updates

Shareholder Returns

	GDG	AU Insurance	AU Market
7D	2.5%	3.3%	0.4%
1Y	127.7%	26.5%	16.9%

Return vs Industry: GDG exceeded the Australian Insurance industry which returned 26.2% over the past year.

Return vs Market: GDG exceeded the Australian Market which returned 16.9% over the past year.

Price Volatility

Is GDG's price volatile compared to industry and market?
GDG volatility
GDG Average Weekly Movement	4.2%
Insurance Industry Average Movement	4.0%
Market Average Movement	8.6%
10% most volatile stocks in AU Market	17.4%
10% least volatile stocks in AU Market	3.4%

Stable Share Price: GDG has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: GDG's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1991	n/a	n/a	gendevelopmentgroup.com.au

Generation Development Group Limited engages in the marketing and management of life insurance and life investment products and services in Australia. The company operates in two segments, Benefit Funds Management and Funds Administration, and Other Business. It also provides administration and management services to the Benefit Funds of Generation Life Limited, as well as administration services to institutional clients.

Generation Development Group Limited Fundamentals Summary

How do Generation Development Group's earnings and revenue compare to its market cap?
GDG fundamental statistics
Market cap	AU$1.07b
Earnings (TTM)	AU$5.84m
Revenue (TTM)	AU$329.32m

183.3x

P/E Ratio

3.3x

P/S Ratio

Is GDG overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GDG income statement (TTM)
Revenue	AU$329.32m
Cost of Revenue	AU$214.57m
Gross Profit	AU$114.76m
Other Expenses	AU$108.92m
Earnings	AU$5.84m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.02
Gross Margin	34.85%
Net Profit Margin	1.77%
Debt/Equity Ratio	0%

How did GDG perform over the long term?

See historical performance and comparison

Dividends

0.6%

Current Dividend Yield

67%

Payout Ratio

GDG Stock Overview

Rewards

Risk Analysis

Generation Development Group Limited Competitors

ASX:NHF

AU$2.8b

ASX:CVW

AU$237.8m

ASX:NOL

AU$138.2m

ASX:MPL

AU$10.5b

Price History & Performance

Recent News & Updates

Generation Development Group Limited Appoints Christine Christian AO as an Independent Non-Executive Director

Non-Executive Director recently sold AU$4.0m worth of stock

Final dividend of AU$0.01 announced

Full year 2024 earnings released: EPS: AU$0.03 (vs AU$0.024 in FY 2023)

Generation Development Group Limited, Annual General Meeting, Nov 19, 2024

Generation Development Group Limited to Report Fiscal Year 2024 Results on Aug 29, 2024

Recent updates

Generation Development Group Limited Appoints Christine Christian AO as an Independent Non-Executive Director

Non-Executive Director recently sold AU$4.0m worth of stock

Final dividend of AU$0.01 announced

Full year 2024 earnings released: EPS: AU$0.03 (vs AU$0.024 in FY 2023)

Generation Development Group Limited, Annual General Meeting, Nov 19, 2024

Generation Development Group Limited to Report Fiscal Year 2024 Results on Aug 29, 2024

New major risk - Shareholder dilution

Generation Development Group Limited (ASX:GDG) completed the acquisition of 61.9% stake in Lonsec Holdings Pty Ltd.

New minor risk - Shareholder dilution

Generation Development Group Limited (ASX:GDG) agreed to acquire 61.9% stake in Lonsec Holdings Pty Ltd .

Upcoming dividend of AU$0.01 per share

First half 2024 earnings released: EPS: AU$0.023 (vs AU$0.005 in 1H 2023)

Final dividend of AU$0.01 announced

Generation Development Group Limited to Report First Half, 2024 Results on Feb 29, 2024

Full year 2023 earnings released: EPS: AU$0.024 (vs AU$0.01 in FY 2022)

Generation Development Group Limited, Annual General Meeting, Nov 23, 2023

Generation Development Group Limited to Report Fiscal Year 2023 Results on Aug 30, 2023

Less than half of directors are independent

New minor risk - Shareholder dilution

Less than half of directors are independent

Upcoming dividend of AU$0.01 per share at 1.5% yield

First half 2023 earnings released: EPS: AU$0.008 (vs AU$0.01 in 1H 2022)

Generation Development Group Limited to Report First Half, 2023 Results on Feb 24, 2023

Less than half of directors are independent

Less than half of directors are independent

Less than half of directors are independent

Full year 2022 earnings released: EPS: AU$0.01 (vs AU$0.016 in FY 2021)

Generation Development Group Limited, Annual General Meeting, Nov 22, 2022

Generation Development Group Limited to Report Fiscal Year 2022 Results on Aug 30, 2022

Non-Executive Director recently bought AU$132k worth of stock

Less than half of directors are independent

Less than half of directors are independent

Upcoming dividend of AU$0.01 per share

Generation Development Group Limited Declares Ordinary Fully Paid Dividend for the Period of Six Months December 31, 2021, Payable April 8, 2022

Generation Development Group Limited to Report First Half, 2022 Results on Feb 28, 2022

Wayford Capital Partners Limited acquired Ascalon Capital Managers (Asia) Limited from Generation Development Group Limited (ASX:GDG) for $0.05 million.

Full year 2021 earnings released: EPS AU$0.016 (vs AU$0.013 loss in FY 2020)

Non-Executive Director recently bought AU$93k worth of stock

Non-Executive Director recently bought AU$79k worth of stock

New 90-day high: AU$0.70

New 90-day high: AU$0.69

Non-Executive Chairman recently bought AU$325k worth of stock

Generation Development Group Limited (ASX:GDG) agreed to acquire 37% stake in Lonsec Holdings Pty Ltd from existing shareholders for AUD 25.7 million.

Full year earnings released - AU$0.013 loss per share

Shareholder Returns

Price Volatility

About the Company

Generation Development Group Limited Fundamentals Summary

183.3x

3.3x

Earnings & Revenue

Dividends

0.6%

67%