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RheinLand Holding

Market Cap

€136.7m

Last Updated

2021/05/08 20:03 UTC

Data Sources

Company Financials

Executive Summary

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


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 +/- 3% a week.

Volatility Over Time: RLV's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

-2.7%

RLV

0.2%

DE Insurance

0.5%

DE Market


1 Year Return

4.7%

RLV

28.7%

DE Insurance

35.8%

DE Market

Return vs Industry: RLV underperformed the German Insurance industry which returned 28.7% over the past year.

Return vs Market: RLV underperformed the German Market which returned 36% over the past year.


Shareholder returns

RLVIndustryMarket
7 Day-2.7%0.2%0.5%
30 Day2.3%-2.9%-0.1%
90 Day1.7%8.7%6.7%
1 Year8.6%4.7%34.1%28.7%40.7%35.8%
3 Year15.9%4.1%34.2%16.8%21.0%10.5%
5 Year43.6%19.1%91.0%52.8%54.8%33.1%

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

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 (€35.6) is trading below our estimate of fair value (€92.63)

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 (9.2x) compared to the DE Insurance industry average (13x).

PE vs Market: RLV is good value based on its PE Ratio (9.2x) compared to the German market (27.5x).


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 (1x).


Future Growth

How is RheinLand Holding forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.4%

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.


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 -15.2%.


Return on Equity

High ROE: RLV's Return on Equity (7.2%) is considered low.


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


Dividend

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

3.65%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: RLV's dividend (3.65%) is higher than the bottom 25% of dividend payers in the German market (1.04%).

High Dividend: RLV's dividend (3.65%) is in the top 25% of dividend payers in the German market (3.17%)


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?

6.3yrs

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 seasoned and experienced (6.3 years average tenure).


Board Members

Experienced Board: RLV's board of directors are considered experienced (6.8 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


Number of Employees


Location

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

Listings


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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/08 20:03
End of Day Share Price2021/05/07 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.