RMQ0 Stock Overview

A financial services company, provides insurance and investment products in South Africa, Australia, and Ireland. More details

RMQ0 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	6/6
Financial Health	5/6
Dividends	3/6

Rewards

Earnings are forecast to grow 7.25% per year

Earnings grew by 36.3% over the past year

Risk Analysis

Dividend of 3.27% is not well covered by free cash flows

My Notes

Capture your thoughts, links and company narrative

OUTsurance Group Limited Competitors

Talanx

XTRA:TLX

€21.3b

Hannover Rück

XTRA:HNR1

€30.6b

Wüstenrot & Württembergische

XTRA:WUW

€1.1b

Selective Insurance Group

NasdaqGS:SIGI

US$5.2b

Price History & Performance

Summary of share price highs, lows and changes for OUTsurance Group
Historical stock prices
Current Share Price	R3.22
52 Week High	R3.64
52 Week Low	R1.79
Beta	0.65
1 Month Change	-1.23%
3 Month Change	4.55%
1 Year Change	67.71%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	63.65%

Recent updates

Shareholder Returns

	RMQ0	DE Insurance	DE Market
7D	1.9%	-0.2%	0.5%
1Y	67.7%	26.3%	15.3%

Return vs Industry: RMQ0 exceeded the German Insurance industry which returned 25.3% over the past year.

Return vs Market: RMQ0 exceeded the German Market which returned 13.7% over the past year.

Price Volatility

Is RMQ0's price volatile compared to industry and market?
RMQ0 volatility
RMQ0 Average Weekly Movement	4.4%
Insurance Industry Average Movement	3.1%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.3%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: RMQ0 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: RMQ0's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	7,492	Marthinus Visser	www.outsurance.co.za

OUTsurance Group Limited, a financial services company, provides insurance and investment products in South Africa, Australia, and Ireland. It operates through Personal Insurance; Business Insurance; Youi CTP; OUTsurance Central; OUTsurance Ireland; and Life Insurance segments. The company offers insurance products for cars and other vehicles, home contents, buildings, and portable items; motor warranty; bicycles, watercraft, personal accident, and essential; life and funeral; business, fleet, agricultural, engineering, motor traders, hospitality, and contractors all risk; and pets.

OUTsurance Group Limited Fundamentals Summary

How do OUTsurance Group's earnings and revenue compare to its market cap?
RMQ0 fundamental statistics
Market cap	€5.30b
Earnings (TTM)	€212.14m
Revenue (TTM)	€1.78b

25.0x

P/E Ratio

3.0x

P/S Ratio

Is RMQ0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RMQ0 income statement (TTM)
Revenue	R34.13b
Cost of Revenue	R26.32b
Gross Profit	R7.81b
Other Expenses	R3.75b
Earnings	R4.06b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.62
Gross Margin	22.88%
Net Profit Margin	11.90%
Debt/Equity Ratio	5.6%

How did RMQ0 perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

66%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/06 08:22
End of Day Share Price	2025/02/06 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.

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

OUTsurance Group Limited is covered by 9 analysts. 4 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
Marius Strydom	BofA Global Research
Larissa van Deventer	Deutsche Bank