ENXTPA:MLFIR

Stock Analysis Report

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Executive Summary

FirstCaution SA, an insurance company, engages in processing and providing rental deposit guarantees for private and commercial leases in Switzerland.


Snowflake Analysis

Flawless balance sheet with acceptable track record.

Share Price & News

How has Firstcaution's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: MLFIR has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

MLFIR

2.9%

FR Insurance

2.7%

FR Market


1 Year Return

n/a

MLFIR

-19.9%

FR Insurance

0.05%

FR Market

Return vs Industry: Insufficient data to determine how MLFIR performed against the French Insurance industry.

Return vs Market: Insufficient data to determine how MLFIR performed against the French Market.


Shareholder returns

MLFIRIndustryMarket
7 Day0%2.9%2.7%
30 Day0%-1.2%-0.1%
90 Dayn/a19.3%16.8%
1 Yearn/a-17.7%-19.9%2.2%0.05%
3 Year1,550.0%1,550.0%-20.8%-30.7%12.1%2.5%
5 Year340.0%340.0%-3.4%-23.5%30.9%12.8%

Price Volatility Vs. Market

How volatile is Firstcaution's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Firstcaution undervalued compared to its fair value and its price relative to the market?

76.68x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: MLFIR (€19.8) is trading above our estimate of fair value (€5.52)

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


Price To Earnings Ratio

PE vs Industry: MLFIR is poor value based on its PE Ratio (76.7x) compared to the FR Insurance industry average (11.2x).

PE vs Market: MLFIR is poor value based on its PE Ratio (76.7x) compared to the French market (16x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MLFIR's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: MLFIR is overvalued based on its PB Ratio (9.5x) compared to the FR Insurance industry average (0.6x).


Next Steps

Future Growth

How is Firstcaution forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

14.0%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Firstcaution has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Firstcaution performed over the past 5 years?

173.3%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: MLFIR has high quality earnings.

Growing Profit Margin: MLFIR's current net profit margins (8.3%) are higher than last year (3.7%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if MLFIR's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare MLFIR's past year earnings growth to its 5-year average.

Earnings vs Industry: MLFIR earnings growth over the past year (173.3%) exceeded the Insurance industry 0.4%.


Return on Equity

High ROE: MLFIR's Return on Equity (12.4%) is considered low.


Next Steps

Financial Health

How is Firstcaution's financial position?


Financial Position Analysis

Short Term Liabilities: MLFIR's short term assets (CHF11.6M) exceed its short term liabilities (CHF11.0M).

Long Term Liabilities: MLFIR's short term assets (CHF11.6M) exceed its long term liabilities (CHF3.9M).


Debt to Equity History and Analysis

Debt Level: MLFIR is debt free.

Reducing Debt: MLFIR has not had any debt for past 5 years.

Debt Coverage: MLFIR has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: MLFIR has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is Firstcaution current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate MLFIR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate MLFIR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if MLFIR's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if MLFIR's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of MLFIR's dividend in 3 years as they are not forecast to pay a notable one for the French market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Firstcaution has no CEO, or we have no data on them.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Firstcaution SA's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Firstcaution SA
  • Ticker: MLFIR
  • Exchange: ENXTPA
  • Founded: 2008
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Market Cap: €74.836m
  • Shares outstanding: 3.78m
  • Website: https://www.firstcaution.ch

Number of Employees


Location

  • Firstcaution SA
  • Avenue Edouard-Rod 4
  • Nyon
  • Vaud
  • 1155
  • Switzerland

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MLFIRENXTPA (Euronext Paris)YesShare CapitalFREURDec 2010

Biography

FirstCaution SA, an insurance company, engages in processing and providing rental deposit guarantees for private and commercial leases in Switzerland. It offers commercial lease deposit, combined cash depo ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/01 21:53
End of Day Share Price2020/05/04 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.