Executive Summary
RheinLand Holding AG provides various insurance products and services for private and commercial customers in Germany and internationally. More Details
Rewards
Risk Analysis
Snowflake Analysis
Undervalued established dividend payer.
Share Price & News
How has RheinLand Holding's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: RLV is less volatile than 75% of German stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: RLV's weekly volatility has decreased from 9% to 4% over the past year.
Market Performance
7 Day Return
-0.5%
RLV
-1.5%
DE Insurance
-1.2%
DE Market
1 Year Return
-1.6%
RLV
-12.4%
DE Insurance
2.3%
DE Market
Return vs Industry: RLV exceeded the German Insurance industry which returned -12.4% over the past year.
Return vs Market: RLV underperformed the German Market which returned 2.3% over the past year.
Shareholder returns
| RLV | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.5% | -1.5% | -1.2% |
| 30 Day | 3.4% | 0.2% | 1.8% |
| 90 Day | -1.1% | 17.2% | 8.5% |
| 1 Year | 2.0%-1.6% | -7.6%-12.4% | 5.6%2.3% |
| 3 Year | 10.1%-1.1% | 20.1%4.5% | 3.6%-5.5% |
| 5 Year | 46.3%21.3% | 70.7%35.4% | 41.3%21.3% |
Long-Term Price Volatility Vs. Market
How volatile is RheinLand Holding's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
You Have To Love RheinLand Holding AG's (DUSE:RLV) Dividend4 months ago | Simply Wall St
RheinLand Holding AG (DUSE:RLV) Vies For A Place In Your Dividend Portfolio: Here's Why5 months ago | Simply Wall St
Many Still Looking Away From RheinLand Holding AG (DUSE:RLV)Valuation
Is RheinLand Holding undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: RLV (€36.6) is trading below our estimate of fair value (€87.96)
Significantly Below Fair Value: RLV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: RLV is good value based on its PE Ratio (9.4x) compared to the DE Insurance industry average (12.2x).
PE vs Market: RLV is good value based on its PE Ratio (9.4x) compared to the German market (23.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RLV's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RLV is good value based on its PB Ratio (0.7x) compared to the DE Insurance industry average (1.1x).
Next Steps
Future Growth
How is RheinLand Holding forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
16.9%
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.
Next Steps
- Examine whether RheinLand Holding is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Insurance industry.
Past Performance
How has RheinLand Holding performed over the past 5 years?
10.0%
Last years earnings growth
Earnings and Revenue History
Quality Earnings: RLV has high quality earnings.
Growing Profit Margin: RLV's current net profit margins (3.3%) are higher than last year (3.1%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if RLV's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare RLV's past year earnings growth to its 5-year average.
Earnings vs Industry: RLV earnings growth over the past year (10%) exceeded the Insurance industry -23.4%.
Return on Equity
High ROE: RLV's Return on Equity (7.2%) is considered low.
Next Steps
Financial Health
How is RheinLand Holding's financial position?
Financial Position Analysis
Short Term Liabilities: RLV's short term assets (€120.3M) do not cover its short term liabilities (€604.5M).
Long Term Liabilities: RLV's short term assets (€120.3M) do not cover its long term liabilities (€931.1M).
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 12.7%.
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
Next Steps
Dividend
What is RheinLand Holding current dividend yield, its reliability and sustainability?
3.57%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RLV's dividend (3.55%) is higher than the bottom 25% of dividend payers in the German market (1.02%).
High Dividend: RLV's dividend (3.55%) is in the top 25% of dividend payers in the German market (3.51%)
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.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (30.9%), RLV's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.0yrs
Average management tenure
CEO
RheinLand Holding has no CEO, or we have no data on them.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Member of the Management Board | no data | no data | no data | |
| Member of the Management Board | no data | no data | no data | |
| Head of Banking & Cooperation Sales Department and Member of the Management Board | 3yrs | no data | no data | |
| Member of the Management Board | 6.33yrs | no data | no data | |
| Head of Corporate Communications | no data | no data | no data | |
| Head of the Sales Support Department | 6yrs | no data | no data | |
| Head of the Sales Engineering Department | no data | no data | no data | |
| Head of Broker Sales in the Netherlands | no data | no data | no data |
6.0yrs
Average Tenure
Experienced Management: RLV's management team is seasoned and experienced (6 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Supervisory Board Chairman | 6.5yrs | no data | no data | |
| Supervisory Board Vice Chairman | 6.5yrs | no data | no data | |
| Supervisory Board Member | 3yrs | no data | no data | |
| Supervisory Board Member | no data | no data | no data | |
| Supervisory Board Member | no data | no data | no data | |
| Supervisory Board Member | 6.5yrs | no data | no data |
6.5yrs
Average Tenure
Experienced Board: RLV's board of directors are considered experienced (6.5 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 company bio, 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
- Market Cap: €140.544m
- 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| RLV | DUSE (Dusseldorf Stock Exchange) | Yes | Share Capital | DE | EUR | Nov 1993 |
Biography
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 adviso...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/18 21:01 |
| End of Day Share Price | 2021/01/18 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.