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Net Insurance Valuation

Q: What is the Fair Price of HC4 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

HC4 (€9.32) is trading above our estimate of [[fair value]] (€8.47)

Is HC4 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

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 HC4 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: HC4 (€9.32) is trading above our estimate of fair value (€8.47)

Significantly Below Fair Value: HC4 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for HC4?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for HC4. This is calculated by dividing HC4's market cap by their current preferred multiple.
What is HC4's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	€156.65m

HC4 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	2.1x
Enterprise Value/EBITDA	13x
PEG Ratio	0.6x

Price to Earnings Ratio vs Peers

How does HC4's PE Ratio compare to its peers?

The above table shows the PE ratio for HC4 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	11x
RLV RheinLand Holding	13.9x	n/a	€128.3m
NBG6 NÜRNBERGER Beteiligungs-AG	14.1x	38.4%	€587.2m
TLX Talanx	10.7x	4.7%	€19.7b
CINS.N0000 Ceylinco Insurance	5.4x	n/a	LK₨53.8b
HC4 Net Insurance	18.4x	30.0%	€156.7m

Price-To-Earnings vs Peers: HC4 is good value based on its Price-To-Earnings Ratio (18.4x) compared to the peer average (40.9x).

Price to Earnings Ratio vs Industry

How does HC4's PE Ratio compare vs other companies in the European Insurance Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	5.4%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	5.4%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: HC4 is expensive based on its Price-To-Earnings Ratio (18.4x) compared to the European Insurance industry average (13x)

Price to Earnings Ratio vs Fair Ratio

What is HC4'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.

HC4 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	18.4x
Fair PE Ratio	17.5x

Price-To-Earnings vs Fair Ratio: HC4 is expensive based on its Price-To-Earnings Ratio (18.4x) compared to the estimated Fair Price-To-Earnings Ratio (17.5x).

Analyst Price Targets

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

Analyst Forecast: Insufficient data to show price forecast.