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RLV

RheinLand Holding DUSE:RLV Stock Report

Last Price

€42.00

Market Cap

€161.3m

7D

0%

1Y

11.7%

Updated

25 Jun, 2022

Data

Company Financials
RLV fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance1/6
Financial Health4/6
Dividends5/6

RLV Stock Overview

RheinLand Holding AG provides various insurance products and services for private and commercial customers in Germany and internationally.

RheinLand Holding Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for RheinLand Holding
Historical stock prices
Current Share Price€42.00
52 Week High€47.40
52 Week Low€36.00
Beta0.28
1 Month Change-6.67%
3 Month Change-2.33%
1 Year Change11.70%
3 Year Change10.53%
5 Year Change11.41%
Change since IPO102.00%

Recent News & Updates

Mar 12
How Does RheinLand Holding AG (DUSE:RLV) Fare As A Dividend Stock?

How Does RheinLand Holding AG (DUSE:RLV) Fare As A Dividend Stock?

Is RheinLand Holding AG ( DUSE:RLV ) a good dividend stock? How can we tell? Dividend paying companies with growing...

Shareholder Returns

RLVDE InsuranceDE Market
7D0%-0.5%-0.1%
1Y11.7%-10.9%-22.0%

Return vs Industry: RLV exceeded the German Insurance industry which returned -10.9% over the past year.

Return vs Market: RLV exceeded the German Market which returned -22% over the past year.

Price Volatility

Is RLV's price volatile compared to industry and market?
RLV volatility
RLV Average Weekly Movement5.2%
Insurance Industry Average Movement3.7%
Market Average Movement5.6%
10% most volatile stocks in DE Market10.0%
10% least volatile stocks in DE Market2.8%

Stable Share Price: RLV is not significantly more volatile than the rest of German stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: RLV's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1880910n/ahttps://www.rheinland-versicherungsgruppe.de

RheinLand Holding AG provides various insurance products and services for private and commercial customers in Germany and internationally. It sells its products through a network of agents, customer advisors, and sales managers. RheinLand Holding AG was founded in 1880 and is based in Neuss, Germany.

RheinLand Holding Fundamentals Summary

How do RheinLand Holding's earnings and revenue compare to its market cap?
RLV fundamental statistics
Market Cap€161.28m
Earnings (TTM)€6.03m
Revenue (TTM)€549.15m

26.8x

P/E Ratio

0.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
RLV income statement (TTM)
Revenue€549.15m
Cost of Revenue€311.91m
Gross Profit€237.23m
Other Expenses€231.21m
Earnings€6.03m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.57
Gross Margin43.20%
Net Profit Margin1.10%
Debt/Equity Ratio0.0%

How did RLV perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

76%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is RLV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for RLV?

Other financial metrics that can be useful for relative valuation.

RLV key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.2x
Enterprise Value/EBITDA1877.3x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does RLV's PE Ratio compare to its peers?

RLV PE Ratio vs Peers
The above table shows the PE ratio for RLV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.7x

Price-To-Earnings vs Peers: RLV is expensive based on its Price-To-Earnings Ratio (26.8x) compared to the peer average (8.7x).


Price to Earnings Ratio vs Industry

How does RLV's PE Ratio compare vs other companies in the Insurance Industry?

Price-To-Earnings vs Industry: RLV is expensive based on its Price-To-Earnings Ratio (26.8x) compared to the German Insurance industry average (13.9x)


Price to Earnings Ratio vs Fair Ratio

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

RLV PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio26.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate RLV's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

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

Below Fair Value: RLV (€42) is trading below our estimate of fair value (€104.63)

Significantly Below Fair Value: RLV is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate RLV's PEG Ratio to determine if it is good value.


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Future Growth

How is RheinLand Holding 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


9.4%

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 RheinLand Holding 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.


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  • Examine RheinLand Holding's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.

Past Performance

How has RheinLand Holding performed over the past 5 years?

Past Performance Score

1/6

Past Performance Score 1/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-11.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: RLV has high quality earnings.

Growing Profit Margin: RLV's current net profit margins (1.1%) are lower than last year (2.7%).


Past Earnings Growth Analysis

Earnings Trend: RLV's earnings have declined by 11.2% per year over the past 5 years.

Accelerating Growth: RLV's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: RLV had negative earnings growth (-55.3%) over the past year, making it difficult to compare to the Insurance industry average (5.1%).


Return on Equity

High ROE: RLV's Return on Equity (2.8%) is considered low.


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Financial Health

How is RheinLand Holding's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: RLV's short term assets (€137.5M) do not cover its short term liabilities (€688.4M).

Long Term Liabilities: RLV's short term assets (€137.5M) do not cover its long term liabilities (€960.9M).


Debt to Equity History and Analysis

Debt Level: RLV is debt free.

Reducing Debt: RLV has no debt compared to 5 years ago when its debt to equity ratio was 2.8%.

Debt Coverage: RLV has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: RLV has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


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Dividend

What is RheinLand Holding current dividend yield, its reliability and sustainability?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.86%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: RLV's dividend (2.86%) is higher than the bottom 25% of dividend payers in the German market (1.47%).

High Dividend: RLV's dividend (2.86%) is low compared to the top 25% of dividend payers in the German market (4.53%).


Stability and Growth of Payments

Stable Dividend: RLV's dividends per share have been stable in the past 10 years.

Growing Dividend: RLV's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: At its current payout ratio (76.5%), RLV's payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (15.9%), RLV's dividend payments are well covered by cash flows.


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Management

How experienced are the management team and are they aligned to shareholders interests?

4.4yrs

Average management tenure


CEO

RheinLand Holding has no CEO, or we have no data on them.


Leadership Team

Experienced Management: RLV's management team is considered experienced (4.4 years average tenure).


Board Members

Experienced Board: RLV's board of directors are considered experienced (7.9 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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

RheinLand Holding AG's employee growth, exchange listings and data sources


Key Information

  • Name: RheinLand Holding AG
  • Ticker: RLV
  • Exchange: DUSE
  • Founded: 1880
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Implied Market Cap: €161.280m
  • Shares outstanding: 3.84m
  • Website: https://www.rheinland-versicherungsgruppe.de

Number of Employees


Location

  • RheinLand Holding AG
  • RheinLandplatz
  • Neuss
  • North Rhine-Westphalia
  • 41460
  • Germany

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/25 00:00
End of Day Share Price2022/06/24 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.