| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 0/6 |
| Financial Health | 6/6 |
| Dividends | 1/6 |
CPP Stock Overview
CPPGroup Plc engages in the provision of assistance products in the United Kingdom, India, Spain, and internationally.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£3.83 |
| 52 Week High | UK£5.85 |
| 52 Week Low | UK£2.86 |
| Beta | 1.31 |
| 1 Month Change | -6.59% |
| 3 Month Change | -17.46% |
| 1 Year Change | 28.96% |
| 3 Year Change | -43.05% |
| 5 Year Change | -56.85% |
| Change since IPO | -98.53% |
Recent News & Updates
Returns On Capital Signal Tricky Times Ahead For CPPGroup (LON:CPP)
What trends should we look for it we want to identify stocks that can multiply in value over the long term? Firstly...
Shareholder Returns
| CPP | GB Commercial Services | GB Market | |
|---|---|---|---|
| 7D | -0.5% | -1.7% | -2.6% |
| 1Y | 29.0% | 20.9% | 10.9% |
Return vs Industry: CPP exceeded the UK Commercial Services industry which returned 22.3% over the past year.
Return vs Market: CPP exceeded the UK Market which returned 13.8% over the past year.
Price Volatility
| CPP volatility | |
|---|---|
| CPP Average Weekly Movement | 4.2% |
| Commercial Services Industry Average Movement | 4.6% |
| Market Average Movement | 4.9% |
| 10% most volatile stocks in GB Market | 9.8% |
| 10% least volatile stocks in GB Market | 2.5% |
Stable Share Price: CPP is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CPP's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1980 | 2,041 | Jason Walsh | https://international.cppgroup.com |
CPPGroup Plc engages in the provision of assistance products in the United Kingdom, India, Spain, and internationally. It sources, creates, distributes, and manages a range of insurance and assistance related products and services, including card protection; identity and cyber risks protection; phone insurance, mobile payment insurance, and virus protection; extended warranty; health and wellbeing; and travel disruption and auto covers, as well as business process management services. The company was founded in 1980 and is headquartered in Leeds, the United Kingdom.
CPPGroup Fundamentals Summary
| CPP fundamental statistics | |
|---|---|
| Market Cap | UK£34.18m |
| Earnings (TTM) | -UK£2.50m |
| Revenue (TTM) | UK£147.33m |
0.2x
P/S Ratio-13.5x
P/E RatioIs CPP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CPP income statement (TTM) | |
|---|---|
| Revenue | UK£147.33m |
| Cost of Revenue | UK£111.04m |
| Gross Profit | UK£36.29m |
| Expenses | UK£38.79m |
| Earnings | -UK£2.50m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.28 |
| Gross Margin | 24.63% |
| Net Profit Margin | -1.69% |
| Debt/Equity Ratio | -0.5% |
How did CPP perform over the long term?
See historical performance and comparisonDividends
2.6%
Current Dividend Yield-105%
Payout RatioValuation
Is CPPGroup undervalued compared to its fair value and its price relative to the market?
44.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CPP (£3.83) is trading below our estimate of fair value (£6.93)
Significantly Below Fair Value: CPP is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CPP is unprofitable, so we can't compare its PE Ratio to the UK Commercial Services industry average.
PE vs Market: CPP is unprofitable, so we can't compare its PE Ratio to the UK market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CPP's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CPP is overvalued based on its PB Ratio (2.6x) compared to the GB Commercial Services industry average (2.4x).
Future Growth
How is CPPGroup forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
6.1%
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if CPP's forecast earnings growth is above the savings rate (0.9%).
Earnings vs Market: Insufficient data to determine if CPP's earnings are forecast to grow faster than the UK market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CPP's revenue (6.1% per year) is forecast to grow faster than the UK market (4.9% per year).
High Growth Revenue: CPP's revenue (6.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CPP's Return on Equity is forecast to be high in 3 years time
Past Performance
How has CPPGroup performed over the past 5 years?
-56.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CPP is currently unprofitable.
Growing Profit Margin: CPP is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: CPP is unprofitable, and losses have increased over the past 5 years at a rate of 56.8% per year.
Accelerating Growth: Unable to compare CPP's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: CPP is unprofitable, making it difficult to compare its past year earnings growth to the Commercial Services industry (29.3%).
Return on Equity
High ROE: CPP has a negative Return on Equity (-15.14%), as it is currently unprofitable.
Financial Health
How is CPPGroup's financial position?
Financial Position Analysis
Short Term Liabilities: CPP's short term assets (£36.6M) exceed its short term liabilities (£27.8M).
Long Term Liabilities: CPP's short term assets (£36.6M) exceed its long term liabilities (£6.7M).
Debt to Equity History and Analysis
Debt Level: CPP is debt free.
Reducing Debt: CPP has no debt compared to 5 years ago when its debt to equity ratio was 28.9%.
Debt Coverage: CPP has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: CPP has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Dividend
What is CPPGroup current dividend yield, its reliability and sustainability?
2.61%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CPP's dividend (2.61%) is higher than the bottom 25% of dividend payers in the UK market (1.37%).
High Dividend: CPP's dividend (2.61%) is low compared to the top 25% of dividend payers in the UK market (4.17%).
Stability and Growth of Payments
Stable Dividend: CPP's dividend payments have been volatile in the past 10 years.
Growing Dividend: CPP's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: CPP is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: CPP's dividends in 3 years are not forecast to be well covered by earnings (414% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.5yrs
Average management tenure
CEO
Jason Walsh
5.5yrs
Tenure
UK£573,000
Compensation
Mr. Jason Walsh has been the Chief Executive Officer of CPP Group Plc since May 16, 2016. Mr. Walsh served as General Manager of UK at CPP Group Plc since 2006. Mr. Walsh joined CPP in 2002 and has held a...
CEO Compensation Analysis
Compensation vs Market: Jason's total compensation ($USD758.69K) is above average for companies of similar size in the UK market ($USD324.53K).
Compensation vs Earnings: Jason's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: CPP's management team is seasoned and experienced (5.5 years average tenure).
Board Members
Experienced Board: CPP's board of directors are not considered experienced ( 1.4 years average tenure), which suggests a new board.
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.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
CPPGroup Plc's employee growth, exchange listings and data sources
Key Information
- Name: CPPGroup Plc
- Ticker: CPP
- Exchange: AIM
- Founded: 1980
- Industry: Diversified Support Services
- Sector: Commercial Services
- Market Cap: UK£34.184m
- Shares outstanding: 8.83m
- Website: https://international.cppgroup.com
Number of Employees
Location
- CPPGroup Plc
- 6 East Parade
- Leeds
- West Yorkshire
- LS1 2AD
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/11/30 21:36 |
| End of Day Share Price | 2021/11/30 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.