Botswana Insurance Holdings Limited provides financial solutions to individual and institutional clients primarily in Botswana.
No risks detected for BIHL from our risk checks.
Price History & Performance
|Historical stock prices|
|Current Share Price||P17.50|
|52 Week High||P0|
|52 Week Low||P0|
|1 Month Change||0%|
|3 Month Change||0%|
|1 Year Change||0%|
|3 Year Change||0%|
|5 Year Change||1.04%|
|Change since IPO||8,583.36%|
Recent News & Updates
|BIHL||BW Insurance||BW Market|
Return vs Industry: BIHL underperformed the BW Insurance industry which returned 19.2% over the past year.
Return vs Market: BIHL underperformed the BW Market which returned 1% over the past year.
Stable Share Price: BIHL is less volatile than 75% of BW stocks over the past 3 months, typically moving +/- 0% a week.
Volatility Over Time: BIHL's weekly volatility (0%) has been stable over the past year.
About the Company
Botswana Insurance Holdings Limited provides financial solutions to individual and institutional clients primarily in Botswana. It operates through two segments, Life Business and Asset Management. The company underwrites various classes of long-term and legal insurances; administers deposit administration schemes, and life and pension funds; and manages investments, as well as provides short-term insurance.
Botswana Insurance Holdings Fundamentals Summary
|BIHL fundamental statistics|
Is BIHL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BIHL income statement (TTM)|
|Cost of Revenue||P1.89b|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.66|
|Net Profit Margin||15.11%|
How did BIHL perform over the long term?See historical performance and comparison
Is Botswana Insurance Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BIHL (BWP17.5) is trading above our estimate of fair value (BWP13.15)
Significantly Below Fair Value: BIHL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BIHL is poor value based on its PE Ratio (10.5x) compared to the African Insurance industry average (7.5x).
PE vs Market: BIHL's PE Ratio (10.5x) is in line with the BW market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BIHL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BIHL is overvalued based on its PB Ratio (1.6x) compared to the XF Insurance industry average (0.9x).
How is Botswana Insurance Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Botswana Insurance Holdings 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.
How has Botswana Insurance Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BIHL has high quality earnings.
Growing Profit Margin: BIHL's current net profit margins (15.1%) are higher than last year (14.6%).
Past Earnings Growth Analysis
Earnings Trend: BIHL's earnings have grown by 0.6% per year over the past 5 years.
Accelerating Growth: BIHL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BIHL had negative earnings growth (-10%) over the past year, making it difficult to compare to the Insurance industry average (18.2%).
Return on Equity
High ROE: BIHL's Return on Equity (15.4%) is considered low.
How is Botswana Insurance Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: BIHL's short term assets (BWP15.2B) exceed its short term liabilities (BWP684.7M).
Long Term Liabilities: BIHL's short term assets (BWP15.2B) exceed its long term liabilities (BWP13.5B).
Debt to Equity History and Analysis
Debt Level: BIHL is debt free.
Reducing Debt: BIHL has not had any debt for past 5 years.
Debt Coverage: BIHL has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: BIHL has no debt, therefore coverage of interest payments is not a concern.
What is Botswana Insurance Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BIHL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BIHL'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 BIHL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BIHL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: BIHL is not paying a notable dividend for the BW market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BIHL's dividend in 3 years as they are not forecast to pay a notable one for the BW market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Catherine Lesetedi-Letegele (54 yo)
Ms. Catherine B. Lesetedi-Letegele, BA, AIISA, MDP, has been Chief Executive Officer at Botswana Insurance Holdings Limited since March 1, 2016. Ms. Lesetedi-Letegele served as the Chief Executive Officer...
CEO Compensation Analysis
Compensation vs Market: Catherine's total compensation ($USD577.36K) is about average for companies of similar size in the BW market ($USD708.99K).
Compensation vs Earnings: Catherine's compensation has been consistent with company performance over the past year.
Experienced Management: BIHL's management team is considered experienced (4.7 years average tenure).
Experienced Board: BIHL's board of directors are considered experienced (5.6 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Botswana Insurance Holdings Limited's employee growth, exchange listings and data sources
- Name: Botswana Insurance Holdings Limited
- Ticker: BIHL
- Exchange: BSM
- Founded: 1975
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: P4.941b
- Shares outstanding: 282.37m
- Website: https://www.bihl.co.bw
Number of Employees
- Botswana Insurance Holdings Limited
- Plot 66458
- Fairgrounds Office Park
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/25 14:01|
|End of Day Share Price||2021/10/22 00:00|
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.