RQIH Stock Overview
Randall & Quilter Investment Holdings Ltd., together with its subsidiaries, owns and manages insurance companies worldwide.
Randall & Quilter Investment Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£1.07|
|52 Week High||UK£1.91|
|52 Week Low||UK£0.78|
|1 Month Change||12.11%|
|3 Month Change||-33.44%|
|1 Year Change||-36.42%|
|3 Year Change||-39.49%|
|5 Year Change||-23.35%|
|Change since IPO||-21.61%|
Recent News & Updates
|RQIH||GB Insurance||GB Market|
Return vs Industry: RQIH underperformed the UK Insurance industry which returned -17.8% over the past year.
Return vs Market: RQIH underperformed the UK Market which returned -6.7% over the past year.
|RQIH Average Weekly Movement||14.5%|
|Insurance Industry Average Movement||4.0%|
|Market Average Movement||5.4%|
|10% most volatile stocks in GB Market||10.6%|
|10% least volatile stocks in GB Market||2.8%|
Stable Share Price: RQIH is more volatile than 90% of UK stocks over the past 3 months, typically moving +/- 14% a week.
Volatility Over Time: RQIH's weekly volatility has increased from 8% to 14% over the past year.
About the Company
Randall & Quilter Investment Holdings Ltd., together with its subsidiaries, owns and manages insurance companies worldwide. It operates through Program Management, Legacy Insurance, and Other segments. The company acquires legacy portfolios; and manages the run-off of claims reserves.
Randall & Quilter Investment Holdings Fundamentals Summary
|RQIH fundamental statistics|
Is RQIH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|RQIH income statement (TTM)|
|Cost of Revenue||US$125.90m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.42|
|Net Profit Margin||-119.85%|
How did RQIH perform over the long term?See historical performance and comparison
Is RQIH undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for RQIH?
Other financial metrics that can be useful for relative valuation.
|What is RQIH's n/a Ratio?|
Price to Book Ratio vs Peers
How does RQIH's PB Ratio compare to its peers?
|RQIH PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
CRE Conduit Holdings
LRE Lancashire Holdings
SBRE Sabre Insurance Group
RQIH Randall & Quilter Investment Holdings
Price-To-Book vs Peers: RQIH is good value based on its Price-To-Book Ratio (1x) compared to the peer average (1.1x).
Price to Earnings Ratio vs Industry
How does RQIH's PE Ratio compare vs other companies in the GB Insurance Industry?
Price-To-Book vs Industry: RQIH is good value based on its Price-To-Book Ratio (1x) compared to the UK Insurance industry average (1x)
Price to Book Ratio vs Fair Ratio
What is RQIH's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||1x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate RQIH's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of RQIH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: RQIH (£1.07) is trading below our estimate of fair value (£1.18)
Significantly Below Fair Value: RQIH is trading below fair value, but not by a significant amount.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RQIH's PEG Ratio to determine if it is good value.
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How is Randall & Quilter Investment Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Randall & Quilter Investment Holdings 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.
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- Examine whether Randall & Quilter Investment Holdings is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Randall & Quilter Investment Holdings competitive advantages and company strategy can generally be found in its financial reports archived here.
How has Randall & Quilter Investment Holdings performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RQIH is currently unprofitable.
Growing Profit Margin: RQIH is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: RQIH is unprofitable, and losses have increased over the past 5 years at a rate of 33.3% per year.
Accelerating Growth: Unable to compare RQIH's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: RQIH is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-10.8%).
Return on Equity
High ROE: RQIH has a negative Return on Equity (-32.13%), as it is currently unprofitable.
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How is Randall & Quilter Investment Holdings's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: RQIH's short term assets ($3.5B) exceed its short term liabilities ($156.3M).
Long Term Liabilities: RQIH's short term assets ($3.5B) do not cover its long term liabilities ($4.6B).
Debt to Equity History and Analysis
Debt Level: RQIH's net debt to equity ratio (29.7%) is considered satisfactory.
Reducing Debt: RQIH's debt to equity ratio has increased from 69.8% to 99.8% over the past 5 years.
Debt Coverage: RQIH's debt is well covered by operating cash flow (24.8%).
Interest Coverage: Insufficient data to determine if RQIH's interest payments on its debt are well covered by EBIT.
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What is Randall & Quilter Investment Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate RQIH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate RQIH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if RQIH's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if RQIH's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: RQIH is not paying a notable dividend for the UK market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as RQIH has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alan Quilter (69 yo)
Mr. Alan Kevin Quilter co-founded Randall & Quilter group in 1991. He serves as Group Chief Executive Officer at Randall & Quilter Investment Holdings Ltd. He served as Chief Executive Officer at Randall &...
CEO Compensation Analysis
Compensation vs Market: Alan's total compensation ($USD2.71M) is above average for companies of similar size in the UK market ($USD1.01M).
Compensation vs Earnings: Alan's compensation has been consistent with company performance over the past year.
Experienced Management: RQIH's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.
Experienced Board: RQIH's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.3%.
Randall & Quilter Investment Holdings Ltd.'s employee growth, exchange listings and data sources
- Name: Randall & Quilter Investment Holdings Ltd.
- Ticker: RQIH
- Exchange: AIM
- Founded: 1991
- Industry: Reinsurance
- Sector: Insurance
- Implied Market Cap: UK£322.308m
- Shares outstanding: 302.64m
- Website: https://www.rqih.com
Number of Employees
- Randall & Quilter Investment Holdings Ltd.
- F. B. Perry Building
- 2nd Floor
- HM 12
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/30 00:00|
|End of Day Share Price||2022/06/30 00:00|
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.