RQIH Stock Overview
Randall & Quilter Investment Holdings Ltd., together with its subsidiaries, owns and manages insurance companies worldwide.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£1.75|
|52 Week High||UK£1.95|
|52 Week Low||UK£1.55|
|1 Month Change||-4.50%|
|3 Month Change||6.21%|
|1 Year Change||-5.53%|
|3 Year Change||4.70%|
|5 Year Change||42.58%|
|Change since IPO||29.00%|
Recent News & Updates
|RQIH||GB Insurance||GB Market|
Return vs Industry: RQIH underperformed the UK Insurance industry which returned 3.4% over the past year.
Return vs Market: RQIH underperformed the UK Market which returned 11.7% over the past year.
|RQIH Average Weekly Movement||3.1%|
|Insurance Industry Average Movement||3.5%|
|Market Average Movement||4.9%|
|10% most volatile stocks in GB Market||9.7%|
|10% least volatile stocks in GB Market||2.5%|
Stable Share Price: RQIH is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: RQIH's weekly volatility (3%) has been stable 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 insurance debt; and provides capital support to Lloyd’s syndicates.
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$175.86m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.01|
|Net Profit Margin||1.07%|
How did RQIH perform over the long term?See historical performance and comparison
1.3%Current Dividend Yield
Is Randall & Quilter Investment Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RQIH (£1.75) is trading above our estimate of fair value (£1.25)
Significantly Below Fair Value: RQIH is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RQIH is poor value based on its PE Ratio (232.7x) compared to the UK Insurance industry average (13.4x).
PE vs Market: RQIH is poor value based on its PE Ratio (232.7x) compared to the UK market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: RQIH is poor value based on its PEG Ratio (2.9x)
Price to Book Ratio
PB vs Industry: RQIH is overvalued based on its PB Ratio (1.3x) compared to the GB Insurance industry average (1.2x).
How is Randall & Quilter Investment Holdings forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RQIH's forecast earnings growth (78.9% per year) is above the savings rate (0.9%).
Earnings vs Market: RQIH's earnings (78.9% per year) are forecast to grow faster than the UK market (12.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: RQIH's revenue (36.9% per year) is forecast to grow faster than the UK market (4.9% per year).
High Growth Revenue: RQIH's revenue (36.9% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: RQIH's Return on Equity is forecast to be low in 3 years time (12.7%).
How has Randall & Quilter Investment Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RQIH has a large one-off gain of $101.9M impacting its June 30 2021 financial results.
Growing Profit Margin: RQIH's current net profit margins (1.1%) are lower than last year (1.2%).
Past Earnings Growth Analysis
Earnings Trend: RQIH's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: RQIH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: RQIH had negative earnings growth (-59.3%) over the past year, making it difficult to compare to the Insurance industry average (18.5%).
Return on Equity
High ROE: RQIH's Return on Equity (0.6%) is considered low.
How is Randall & Quilter Investment Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: RQIH's short term assets ($2.4B) exceed its short term liabilities ($3.2M).
Long Term Liabilities: RQIH's short term assets ($2.4B) do not cover its long term liabilities ($3.5B).
Debt to Equity History and Analysis
Debt Level: RQIH's net debt to equity ratio (29.7%) is considered satisfactory.
Reducing Debt: RQIH's debt to equity ratio has increased from 43.9% to 75% over the past 5 years.
Debt Coverage: RQIH's debt is well covered by operating cash flow (32.2%).
Interest Coverage: Insufficient data to determine if RQIH's interest payments on its debt are well covered by EBIT.
What is Randall & Quilter Investment Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RQIH's dividend (1.26%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.37%).
High Dividend: RQIH's dividend (1.26%) is low compared to the top 25% of dividend payers in the UK market (4.15%).
Stability and Growth of Payments
Stable Dividend: RQIH's dividend payments have been volatile in the past 10 years.
Growing Dividend: RQIH's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (324.1%), RQIH's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: RQIH's dividends in 3 years are forecast to be well covered by earnings (39.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alan Quilter (69 yo)
Mr. Alan Kevin Quilter co-founded Randall & Quilter group in 1991. He serves as Group Chief Executive Officer at Randall & Quilter Investment Holdings Ltd. He served as Chief Executive Officer at Randall &...
CEO Compensation Analysis
Compensation vs Market: Alan's total compensation ($USD2.80M) is above average for companies of similar size in the UK market ($USD1.03M).
Compensation vs Earnings: Alan's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: RQIH's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
Experienced Board: RQIH's board of directors are not considered experienced ( 1.7 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: RQIH 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 22.7%.
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: Insurance Brokers
- Sector: Insurance
- Market Cap: UK£482.308m
- Shares outstanding: 275.21m
- 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||2021/11/27 19:04|
|End of Day Share Price||2021/11/26 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.