| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
INLI Stock Overview
Interlife General Insurance Company S.A. operates as a general insurance company for individual and business in Greece.
Interlife General Insurance Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €4.06 |
| 52 Week High | €4.64 |
| 52 Week Low | €3.88 |
| Beta | 0.11 |
| 1 Month Change | -4.25% |
| 3 Month Change | -11.74% |
| 1 Year Change | 4.10% |
| 3 Year Change | 40.00% |
| 5 Year Change | 318.56% |
| Change since IPO | 608.55% |
Recent News & Updates
Is Now The Time To Put Interlife General Insurance (CSE:INLI) On Your Watchlist?
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
Shareholder Returns
| INLI | CY Insurance | CY Market | |
|---|---|---|---|
| 7D | 0% | 1.6% | -0.9% |
| 1Y | 4.1% | -19.2% | 4.5% |
Return vs Industry: INLI exceeded the CY Insurance industry which returned -19.2% over the past year.
Return vs Market: INLI matched the CY Market which returned 4.5% over the past year.
Price Volatility
| INLI volatility | |
|---|---|
| INLI Average Weekly Movement | n/a |
| Insurance Industry Average Movement | 5.0% |
| Market Average Movement | 5.2% |
| 10% most volatile stocks in CY Market | 6.1% |
| 10% least volatile stocks in CY Market | 3.2% |
Stable Share Price: Insufficient data to determine INLI's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine INLI's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1991 | 145 | Ioannis Votsaridis | https://www.interlife.gr |
Interlife General Insurance Company S.A. operates as a general insurance company for individual and business in Greece. It offers car, boat, property, personal, travel, legal, liability, bicycle and skate, technical, and transport insurance products, as well as financial products. Interlife General Insurance Company S.A. was founded in 1991 and is headquartered in Thessaloniki, Greece.
Interlife General Insurance Fundamentals Summary
| INLI fundamental statistics | |
|---|---|
| Market Cap | €75.02m |
| Earnings (TTM) | €14.46m |
| Revenue (TTM) | €74.84m |
5.2x
P/E Ratio1.0x
P/S RatioIs INLI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| INLI income statement (TTM) | |
|---|---|
| Revenue | €74.84m |
| Cost of Revenue | €49.47m |
| Gross Profit | €25.37m |
| Other Expenses | €10.90m |
| Earnings | €14.46m |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.78 |
| Gross Margin | 33.89% |
| Net Profit Margin | 19.32% |
| Debt/Equity Ratio | 0% |
How did INLI perform over the long term?
See historical performance and comparisonDividends
3.0%
Current Dividend Yield15%
Payout RatioDoes INLI pay a reliable dividends?
See INLI dividend history and benchmarks| Interlife General Insurance dividend dates | |
|---|---|
| Ex Dividend Date | Jul 06 2022 |
| Dividend Pay Date | Jul 12 2022 |
| Days until Ex dividend | 47 days |
| Days until Dividend pay date | 53 days |
Does INLI pay a reliable dividends?
See INLI dividend history and benchmarksValuation
Is Interlife General Insurance undervalued compared to its fair value and its price relative to the market?
Valuation Score
5/6Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: INLI (€4.06) is trading below our estimate of fair value (€11.54)
Significantly Below Fair Value: INLI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: INLI is good value based on its PE Ratio (5.2x) compared to the Asian Insurance industry average (11.2x).
PE vs Market: INLI is good value based on its PE Ratio (5.2x) compared to the CY market (9.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate INLI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: INLI is good value based on its PB Ratio (0.6x) compared to the XA Insurance industry average (1.2x).
Future Growth
How is Interlife General Insurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.4%
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 Interlife General Insurance 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 Interlife General Insurance performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
12.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: INLI has high quality earnings.
Growing Profit Margin: INLI's current net profit margins (19.3%) are lower than last year (23.1%).
Past Earnings Growth Analysis
Earnings Trend: INLI's earnings have grown by 12% per year over the past 5 years.
Accelerating Growth: INLI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: INLI had negative earnings growth (-6.3%) over the past year, making it difficult to compare to the Insurance industry average (7.4%).
Return on Equity
High ROE: INLI's Return on Equity (11.9%) is considered low.
Financial Health
How is Interlife General Insurance's financial position?
Financial Health Score
6/6Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: INLI's short term assets (€243.1M) exceed its short term liabilities (€41.5M).
Long Term Liabilities: INLI's short term assets (€243.1M) exceed its long term liabilities (€110.4M).
Debt to Equity History and Analysis
Debt Level: INLI is debt free.
Reducing Debt: INLI has not had any debt for past 5 years.
Debt Coverage: INLI has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: INLI has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Dividend
What is Interlife General Insurance current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.96%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: INLI's dividend (2.96%) is higher than the bottom 25% of dividend payers in the CY market (2.93%).
High Dividend: INLI's dividend (2.96%) is low compared to the top 25% of dividend payers in the CY market (5.61%).
Stability and Growth of Payments
Stable Dividend: INLI has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: INLI's dividend payments have increased, but the company has only paid a dividend for 8 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (15.3%), INLI's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (13.4%), INLI's dividend payments are thoroughly covered by cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
22.3yrs
Average management tenure
CEO
Ioannis Votsaridis
31.33yrs
Tenure
Mr. Ioannis Votsaridis has been the Chief Executive Officer of Interlife General Insurance Company S.A. since 1991 and serves as its President, Chairman of the Board of Directors and Director of Commercial...
Leadership Team
Experienced Management: INLI's management team is seasoned and experienced (22.3 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
Interlife General Insurance Company S.A.'s employee growth, exchange listings and data sources
Key Information
- Name: Interlife General Insurance Company S.A.
- Ticker: INLI
- Exchange: CSE
- Founded: 1991
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: €75.016m
- Shares outstanding: 18.48m
- Website: https://www.interlife.gr
Number of Employees
Location
- Interlife General Insurance Company S.A.
- 14th KM Thessaloniki - Polygyros Highway
- Thermi
- Thessaloniki
- 57001
- Greece
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/19 00:00 |
| End of Day Share Price | 2022/05/09 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/12/31 |
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.