D3H Stock Overview

Provides various insurance products and services primarily in South Africa and the United Kingdom. More details

D3H fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 17.4% below our estimate of its fair value

Earnings are forecast to grow 14.59% per year

Earnings have grown 14.1% per year over the past 5 years

Risk Analysis

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

Discovery Limited Competitors

Wüstenrot & Württembergische

XTRA:WUW

€1.1b

Talanx

XTRA:TLX

€21.2b

Hannover Rück

XTRA:HNR1

€29.1b

Münchener Rückversicherungs-Gesellschaft in München

XTRA:MUV2

€64.2b

Price History & Performance

Summary of share price highs, lows and changes for Discovery
Historical stock prices
Current Share Price	R9.75
52 Week High	R10.40
52 Week Low	R5.25
Beta	1.06
1 Month Change	-2.50%
3 Month Change	11.43%
1 Year Change	39.29%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-2.01%

Recent updates

Shareholder Returns

	D3H	DE Insurance	DE Market
7D	-3.5%	-0.1%	0.6%
1Y	39.3%	23.1%	7.2%

Return vs Industry: D3H exceeded the German Insurance industry which returned 23.1% over the past year.

Return vs Market: D3H exceeded the German Market which returned 7.2% over the past year.

Price Volatility

Is D3H's price volatile compared to industry and market?
D3H volatility
D3H Average Weekly Movement	3.0%
Insurance Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.7%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: D3H has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: D3H's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1992	n/a	Adrian Gore	www.discovery.co.za

Discovery Limited provides various insurance products and services primarily in South Africa and the United Kingdom. It operates through SA Health, SA Life, SA Invest, SA Insure, SA Bank, UK Health, UK Life, and All Other segments. The company offers health, life, car, travel, business, and home insurance products; motor, building, household content, and portable possessions insurance products; private medical insurance products; and commercial short-term risk insurance products.

Discovery Limited Fundamentals Summary

How do Discovery's earnings and revenue compare to its market cap?
D3H fundamental statistics
Market cap	€6.59b
Earnings (TTM)	€365.24m
Revenue (TTM)	€4.08b

18.0x

P/E Ratio

1.6x

P/S Ratio

Is D3H overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
D3H income statement (TTM)
Revenue	R79.65b
Cost of Revenue	R47.61b
Gross Profit	R32.05b
Other Expenses	R24.91b
Earnings	R7.14b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	10.80
Gross Margin	40.23%
Net Profit Margin	8.96%
Debt/Equity Ratio	30.4%

How did D3H perform over the long term?

See historical performance and comparison

Dividends

1.1%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 00:11
End of Day Share Price	2024/12/30 00:00
Earnings	2024/06/30
Annual Earnings	2024/06/30

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 here.

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 .

Analyst Sources

Discovery Limited is covered by 16 analysts. 5 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
Adrienne Damant	Avior Capital Markets
Robert Rice	Barclays
Marius Strydom	BofA Global Research