AIM:GBGI

Stock Analysis Report

Executive Summary

GBGI Limited provides international benefits insurance products worldwide.

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0.9%

GBGI

0.9%

GB Insurance

-0.4%

GB Market


1 Year Return

-18.8%

GBGI

2.7%

GB Insurance

2.9%

GB Market


Shareholder returns

GBGIIndustryMarket
7 Day0.9%0.9%-0.4%
30 Day-1.7%2.7%-1.4%
90 Day-1.3%-6.1%-2.1%
1 Year-16.9%-18.8%7.8%2.7%7.9%2.9%
3 Yearn/a23.5%6.2%18.0%3.6%
5 Yearn/a39.3%9.9%35.8%6.4%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

3.24x

Price to Book (PB) ratio


Share Price vs. Fair Value

Information is not available.

Information is not available.


Price To Earnings Ratio

Information is not available.

Information is not available.


Price to Earnings Growth Ratio

Information is not available.


Price to Book Ratio

Information is not available.


Next Steps

Future Growth

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

21.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Information is not available.

Information is not available.

High Growth Earnings: GBGI is forecast to remain unprofitable over the next 3 years.

Information is not available.

Information is not available.


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has GBGI performed over the past 5 years?

-11.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

Information is not available.

Information is not available.


Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is GBGI's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: GBGI's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if GBGI has a sufficient allowance for bad loans.

Low Risk Liabilities: GBGI reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if GBGI has an acceptable proportion of non-loan assets held.

Low Risk Deposits: GBGI has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if GBGI has an appropriate level of bad loans.


Next Steps

Dividend

What is GBGI's current dividend yield, its reliability and sustainability?

4.95%

Current Dividend Yield


Dividend Yield vs Market

company5.0%marketbottom25%2.0%markettop25%5.4%industryaverage4.9%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Information is not available.

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Stable Dividend: Too early to tell whether GBGI's dividend payments have been stable as they only just started paying a dividend.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of GBGI's salary, the management and board of directors tenure and is there insider trading?

6.1yrs

Average management tenure


CEO

Bob Dubrish (66yo)

0yrs

Tenure

0

Mr. Robert Eugene Dubrish, also known as Bob, serves as the Chief Executive Officer of GBGI Limited. Mr. Dubrish serves as the Chief Executive Officer of GBG Insurance Limited. Mr. Dubrish served as the Pr ...


Management Age and Tenure

6.1yrs

Average Tenure

58yo

Average Age

Information is not available.


Board Age and Tenure

2.0yrs

Average Tenure

59yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Recent Insider Transactions

BuyUS$95,24811 Dec 18
Harwood Capital LLP
EntityCompany
Shares80,719
Max PriceUS$1.18
SellUS$275,00015 Nov 18
Middleton Enterprises Ltd
EntityCompany
Shares250,000
Max PriceUS$1.10
BuyUS$5,021,18512 Nov 18
Harwood Capital LLP
EntityCompany
Shares4,308,292
Max PriceUS$1.17
SellUS$5,021,18512 Nov 18
Harwood Capital LLP
EntityCompany
Shares4,308,292
Max PriceUS$1.17
BuyUS$28,37508 Nov 18
Harwood Capital LLP
EntityCompany
Shares25,000
Max PriceUS$1.14
BuyUS$389,03708 Nov 18
Harwood Capital LLP
EntityCompany
Shares340,000
Max PriceUS$1.15
BuyUS$286,00007 Nov 18
Harwood Capital LLP
EntityCompany
Shares260,000
Max PriceUS$1.10

Ownership Breakdown


Management Team

  • Bob Dubrish (66yo)

    CEO & Director

    • Tenure: 0yrs
  • Eric Dickelman (59yo)

    CFO & Director

    • Tenure: 0yrs
  • Peter Lozier (49yo)

    Group Chief Operating Officer and Chief Executive Officer of GBG Assist

    • Tenure: 4.1yrs
  • Mark Tomaszewski (57yo)

    Group Chief Marketing Officer & President of TieCare

    • Tenure: 9.1yrs
  • John O'Connor (50yo)

    Managing Director of GBG Inc

    • Tenure: 6.1yrs
  • Anne Davis (59yo)

    Senior Vice President of Business Development

    • Tenure: 0yrs
  • Cathy Garner

    Global Head for Life & Long Term Disability

    • Tenure: 0.9yrs

Board Members

  • Bob Dubrish (66yo)

    CEO & Director

    • Tenure: 0yrs
  • Andy Thorburn (74yo)

    Non-Executive Director

    • Tenure: 0yrs
  • Doug Trussler (47yo)

    Non-Executive Director

    • Tenure: 1.6yrs
  • Anne Gunther (63yo)

    Senior Independent Non-Executive Director

    • Tenure: 2yrs
  • David Gibson

    Non-Executive Director

    • Tenure: 2yrs
  • Eric Dickelman (59yo)

    CFO & Director

    • Tenure: 0yrs
  • Bill Ward (56yo)

    Non-Executive Chairman

    • Tenure: 2yrs
  • Murray Wood (47yo)

    Independent Non-Executive Director

    • Tenure: 1.6yrs

Company Information

GBGI Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: GBGI Limited
  • Ticker: GBGI
  • Exchange: AIM
  • Founded: 1981
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: UK£100.476m
  • Shares outstanding: 87.75m
  • Website: https://www.gbg.com

Number of Employees


Location

  • GBGI Limited
  • Mill Court
  • Level 5
  • St. Peter Port
  • GY1 1EJ
  • Guernsey

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GBGIAIM (London Stock Exchange AIM Market)YesOrdinary sharesGBGBPFeb 2017

Biography

GBGI Limited provides international benefits insurance products worldwide. The company distributes and underwrites health, disability, life, and travel insurance products. It offers group and individual he ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/02/21 22:35
End of Day Share Price2019/02/20 00:00
Earnings2018/06/30
Annual Earnings2017/12/31


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.