Lifenet Insurance Company

DB:7XJ Stock Report

Market Cap: €994.4m

Lifenet Insurance Valuation

Is 7XJ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 7XJ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 7XJ's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 7XJ's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 7XJ?

Key metric: As 7XJ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 7XJ. This is calculated by dividing 7XJ's market cap by their current earnings.
What is 7XJ's PE Ratio?
PE Ratio27.6x
EarningsJP¥5.86b
Market CapJP¥161.52b

Price to Earnings Ratio vs Peers

How does 7XJ's PE Ratio compare to its peers?

The above table shows the PE ratio for 7XJ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.7x
WUW Wüstenrot & Württembergische
26.4x34.6%€1.1b
NBG6 NÜRNBERGER Beteiligungs-AG
14.1x38.4%€587.5m
RLV RheinLand Holding
12.3xn/a€119.0m
DFV DFV Deutsche Familienversicherung
22.1xn/a€95.5m
7XJ Lifenet Insurance
27.6x7.9%€161.5b

Price-To-Earnings vs Peers: 7XJ is expensive based on its Price-To-Earnings Ratio (27.6x) compared to the peer average (18.7x).

Price to Earnings Ratio vs Industry

How does 7XJ's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
7XJ 27.6xIndustry Avg. 11.8xNo. of Companies13PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 7XJ is expensive based on its Price-To-Earnings Ratio (27.6x) compared to the European Insurance industry average (11.8x).

Price to Earnings Ratio vs Fair Ratio

What is 7XJ'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.

7XJ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio27.6x
Fair PE Ratio8.2x

Price-To-Earnings vs Fair Ratio: 7XJ is expensive based on its Price-To-Earnings Ratio (27.6x) compared to the estimated Fair Price-To-Earnings Ratio (8.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 7XJ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€12.00
€11.11
-7.4%
4.1%€11.56€10.65n/a2
Nov ’25€11.70
€11.35
-3.0%
4.1%€11.82€10.88n/a2
Oct ’25€9.80
€11.35
+15.8%
4.1%€11.82€10.88n/a2
Sep ’25€10.70
€8.50
-20.5%
27.3%€10.82€6.18n/a2
Aug ’25€9.95
€7.67
-23.0%
23.1%€9.43€5.90n/a2
Jul ’25€10.00
€7.67
-23.3%
23.1%€9.43€5.90n/a2
Jun ’25€8.25
€7.67
-7.1%
23.1%€9.43€5.90n/a2
May ’25€8.15
€7.72
-5.3%
23.1%€9.50€5.94n/a2
Apr ’25€8.85
€7.94
-10.2%
23.1%€9.78€6.11n/a2
Mar ’25€8.10
€8.43
+4.1%
19.2%€9.87€6.17n/a3
Feb ’25€7.55
€7.78
+3.0%
16.7%€9.46€6.31n/a3
Jan ’25€7.35
€7.78
+5.8%
16.7%€9.46€6.31n/a3
Dec ’24€6.55
€7.78
+18.7%
16.7%€9.46€6.31n/a3
Nov ’24€5.75
€7.78
+35.3%
16.7%€9.46€6.31€11.703
Oct ’24€6.00
€8.51
+41.8%
11.1%€9.45€7.56€9.802
Sep ’24€6.20
€8.51
+37.2%
11.1%€9.45€7.56€10.702
Aug ’24€6.65
€9.04
+35.9%
11.1%€10.04€8.03€9.952
Jul ’24€6.70
€9.04
+34.9%
11.1%€10.04€8.03€10.002
Jun ’24€6.30
€9.04
+43.4%
11.1%€10.04€8.03€8.252
May ’24€7.70
€9.99
+29.7%
3.4%€10.33€9.64€8.152
Apr ’24€7.80
€9.99
+28.0%
3.4%€10.33€9.64€8.852
Mar ’24€7.65
€10.10
+32.1%
3.4%€10.45€9.76€8.102
Feb ’24€9.55
€8.26
-13.5%
8.3%€8.95€7.57€7.552
Jan ’24€8.15
€8.26
+1.3%
8.3%€8.95€7.57€7.352
Dec ’23€7.50
€8.26
+10.1%
8.3%€8.95€7.57€6.552
Nov ’23€6.65
€8.14
+22.4%
8.3%€8.82€7.46€5.752

Analyst Forecast: Target price is lower than the current share price.

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