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INLI

Interlife General Insurance CSE:INLI Stock Report

Last Price

€4.06

Market Cap

€75.0m

7D

0%

1Y

4.1%

Updated

19 May, 2022

Data

Company Financials
INLI fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends3/6

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

Summary of all time highs, changes and price drops for Interlife General Insurance
Historical stock prices
Current Share Price€4.06
52 Week High€4.64
52 Week Low€3.88
Beta0.11
1 Month Change-4.25%
3 Month Change-11.74%
1 Year Change4.10%
3 Year Change40.00%
5 Year Change318.56%
Change since IPO608.55%

Recent News & Updates

May 07
Is Now The Time To Put Interlife General Insurance (CSE:INLI) On Your Watchlist?

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

INLICY InsuranceCY Market
7D0%1.6%-0.9%
1Y4.1%-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

Is INLI's price volatile compared to industry and market?
INLI volatility
INLI Average Weekly Movementn/a
Insurance Industry Average Movement5.0%
Market Average Movement5.2%
10% most volatile stocks in CY Market6.1%
10% least volatile stocks in CY Market3.2%

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

FoundedEmployeesCEOWebsite
1991145Ioannis Votsaridishttps://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

How do Interlife General Insurance's earnings and revenue compare to its market cap?
INLI fundamental statistics
Market Cap€75.02m
Earnings (TTM)€14.46m
Revenue (TTM)€74.84m

5.2x

P/E Ratio

1.0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
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 Margin33.89%
Net Profit Margin19.32%
Debt/Equity Ratio0%

How did INLI perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

15%

Payout Ratio

Does INLI pay a reliable dividends?

See INLI dividend history and benchmarks
When do you need to buy INLI by to receive an upcoming dividend?
Interlife General Insurance dividend dates
Ex Dividend DateJul 06 2022
Dividend Pay DateJul 12 2022
Days until Ex dividend47 days
Days until Dividend pay date53 days

Does INLI pay a reliable dividends?

See INLI dividend history and benchmarks

Valuation

Is Interlife General Insurance undervalued compared to its fair value and its price relative to the market?

Valuation Score

5/6

Valuation 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

0/6

Future 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

2/6

Past 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

6/6

Financial 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

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.96%

Current Dividend Yield

Upcoming Dividend Payment

TodayMay 19 2022Ex Dividend DateJul 06 2022Dividend Pay DateJul 12 20226 days from Ex DividendBuy in the next 47 days to receive the upcoming dividend

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/19 00:00
End of Day Share Price2022/05/09 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.