D1LN Stock Overview

Provides general insurance products and services in the United Kingdom. More details

D1LN fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	0/6
Financial Health	3/6
Dividends	2/6

Rewards

Trading at 41% below our estimate of its fair value

Earnings are forecast to grow 16.92% per year

Risk Analysis

High level of non-cash earnings

Significant insider selling over the past 3 months

Dividend of 2.31% is not well covered by free cash flows

Profit margins (3%) are lower than last year (5.5%)

Community vs My Fair Value

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Direct Line Insurance Group plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for Direct Line Insurance Group
Historical stock prices
Current Share Price	UK£3.57
52 Week High	UK£3.57
52 Week Low	UK£1.81
Beta	0.48
1 Month Change	9.66%
3 Month Change	12.63%
1 Year Change	48.34%
3 Year Change	17.69%
5 Year Change	18.28%
Change since IPO	-3.75%

Recent updates

Shareholder Returns

	D1LN	DE Insurance	DE Market
7D	2.3%	0.2%	0.1%
1Y	48.3%	31.3%	16.4%

Return vs Industry: D1LN exceeded the German Insurance industry which returned 30.5% over the past year.

Return vs Market: D1LN exceeded the German Market which returned 15.2% over the past year.

Price Volatility

Is D1LN's price volatile compared to industry and market?
D1LN volatility
D1LN Average Weekly Movement	3.6%
Insurance Industry Average Movement	4.8%
Market Average Movement	6.6%
10% most volatile stocks in DE Market	12.9%
10% least volatile stocks in DE Market	3.2%

Stable Share Price: D1LN has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: D1LN's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1985	9,053	Adam Winslow	www.directlinegroup.co.uk

Direct Line Insurance Group plc provides general insurance products and services in the United Kingdom. It operates through Motor and Non-Motor segments. The company offers motor,

Direct Line Insurance Group plc Fundamentals Summary

How do Direct Line Insurance Group's earnings and revenue compare to its market cap?
D1LN fundamental statistics
Market cap	€4.69b
Earnings (TTM)	€173.96m
Revenue (TTM)	€5.71b

26.9x

P/E Ratio

0.8x

P/S Ratio

Is D1LN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
D1LN income statement (TTM)
Revenue	UK£4.79b
Cost of Revenue	UK£4.44b
Gross Profit	UK£350.90m
Other Expenses	UK£204.90m
Earnings	UK£146.00m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.11
Gross Margin	7.32%
Net Profit Margin	3.05%
Debt/Equity Ratio	13.2%

How did D1LN perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

62%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/27 05:39
End of Day Share Price	2025/05/27 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Direct Line Insurance Group plc is covered by 30 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ivan Bokhmat	Barclays
Carl Lofthagen	Berenberg
Thomas Bateman	Berenberg

D1LN Stock Overview

Rewards

Risk Analysis

Direct Line Insurance Group plc Competitors

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Talanx

Hannover Rück

Selective Insurance Group

Price History & Performance

Recent News & Updates

Direct Line Insurance Group plc Approves Final Dividend

Direct Line Insurance Group plc, Annual General Meeting, May 14, 2025

Direct Line Insurance Group plc to Report Fiscal Year 2024 Results on Mar 04, 2025

High number of new directors

Aviva plc (LSE:AV.) cancelled the acquisition of Direct Line Insurance Group plc (LSE:DLG) for £3.25 billion.

Direct Line Insurance Group plc Appoints Carol Hagh as Member of Its Remuneration Committee

Recent updates

Direct Line Insurance Group plc Approves Final Dividend

Direct Line Insurance Group plc, Annual General Meeting, May 14, 2025

Direct Line Insurance Group plc to Report Fiscal Year 2024 Results on Mar 04, 2025

High number of new directors

Aviva plc (LSE:AV.) cancelled the acquisition of Direct Line Insurance Group plc (LSE:DLG) for £3.25 billion.

Direct Line Insurance Group plc Appoints Carol Hagh as Member of Its Remuneration Committee

Direct Line Insurance Group plc Announces Directorate and Committee Changes

First half 2024 earnings released: EPS: UK£0.028 (vs UK£0.046 loss in 1H 2023)

Direct Line Insurance Group plc to Declare A Dividend, Payable on 11 October 2024

Direct Line Insurance Group plc to Report First Half, 2024 Results on Sep 04, 2024

High number of new directors

Direct Line Insurance Group plc Approves Final Dividend

Direct Line Insurance Group plc Announces Significant Leadership Changes

Direct Line Insurance Group plc Appoints Jane Poole as Board of Director, Effective October 2024

Ageas Plans Not to Make Further Offer for Direct Line Insurance

Direct Line Insurance Group plc Proposes Dividend for the Year Ended 31 December 2023, Payable on 17 May 2024

Direct Line Insurance Group plc Announces Directorate Change

ageas SA/NV (ENXTBR:AGS) cancelled the acquisition of Direct Line Insurance Group plc (LSE:DLG).

Direct Line Insurance Group plc Appoints Tracy Corrigan as Chair of Sustainability Committee

Direct Line Soars as Ageas Mulls 3.10b Bid

Direct Line Insurance Group plc to Report Fiscal Year 2023 Results on Mar 21, 2024

Direct Line Insurance Group plc Announces Directorate Change

Direct Line Insurance Group plc Appoints David Neave as Independent Non-Executive Director

Direct Line Insurance Group plc(LSE:DLG) dropped from FTSE All-World Index (USD)

First half 2023 earnings released: UK£0.046 loss per share (vs UK£0.003 loss in 1H 2022)

RSA Insurance Group Limited signed an agreement to acquire Brokered commercial insurance business from Direct Line Insurance Group plc for £550 million.

High number of new directors

Direct Line Insurance Announces CEO Changes

Direct Line Insurance Group plc to Report First Half, 2023 Results on Sep 07, 2023

Acting Chief Executive Officer recently sold €163k worth of stock

Full year 2022 earnings released: UK£0.043 loss per share (vs UK£0.24 profit in FY 2021)

Direct Line Insurance Group plc Appoints Mark Lewis as Independent Non-Executive Director, Effective 30 March 2023

Direct Line Insurance Group plc Announces Directorate Change

Direct Line Insurance Group plc Omits to Pay Final Dividend for the Financial Year 2022

Investor sentiment improved over the past week

Direct Line Insurance Group plc to Report Fiscal Year 2022 Results on Mar 07, 2023

First half 2022 earnings released: EPS: UK£0.10 (vs UK£0.14 in 1H 2021)

Direct Line Insurance Group plc Announces Interim Dividend, Payable on 9 September 2022

Investor sentiment deteriorated over the past week

Direct Line Insurance Group plc Provides Earnings Guidance for the Full Year of 2022

Direct Line Insurance Group plc Announces Board Appointments

Upcoming dividend of UK£0.15 per share

Direct Line Insurance Group plc Recommends Final Dividend for the Year Ended 31 December 2021, Payable on 17 May 2022

Full year 2021 earnings: EPS in line with expectations, revenues disappoint

Independent Non-Executive Chairman recently bought €60k worth of stock

First half 2021 earnings released: EPS UK£0.14 (vs UK£0.14 in 1H 2020)

Independent Non-Executive Director has left the company

CFO & Executive Director has left the company

Chief Operating Officer recently sold €58k worth of stock

Upcoming dividend of UK£0.15 per share

Full year 2020 earnings released: EPS UK£0.26 (vs UK£0.29 in FY 2019)

Full year 2020 earnings released: EPS UK£0.26 (vs UK£0.29 in FY 2019)

Revenue misses expectations

New 90-day high: €3.80

Direct Line Insurance Group plc to Report Fiscal Year 2020 Results on Mar 02, 2021

New 90-day high: €3.49

Direct Line Insurance Group plc Announces Board Changes

Direct Line Insurance Group plc, Annual General Meeting, May 13, 2021

New 90-day low: €2.90

Direct Line Insurance Group plc Announces Appointments to Board Committees

New 90-day low: €2.94

Direct Line Insurance Group plc (LSE:DLG) agreed to acquire Brolly UK Technology Limited.

Shareholder Returns