0MSR Stock Overview

Operates in the insurance and reinsurance business in Slovenia and internationally. More details

0MSR fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	3/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 71.6% below our estimate of its fair value

Earnings are forecast to grow 4.62% per year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Pozavarovalnica Sava, d.d. Competitors

Conduit Holdings

LSE:CRE

UK£749.6m

Sabre Insurance Group

LSE:SBRE

UK£350.3m

Helios Underwriting

AIM:HUW

UK£178.4m

Hansard Global

LSE:HSD

UK£66.0m

Price History & Performance

Summary of share price highs, lows and changes for Pozavarovalnica Sava d.d
Historical stock prices
Current Share Price	€25.40
52 Week High	€25.40
52 Week Low	€25.40
Beta	0.62
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent updates

Shareholder Returns

	0MSR	GB Insurance	GB Market
7D	0%	0.8%	1.2%
1Y	n/a	-3.5%	4.3%

Return vs Industry: Insufficient data to determine how 0MSR performed against the UK Insurance industry.

Return vs Market: Insufficient data to determine how 0MSR performed against the UK Market.

Price Volatility

Is 0MSR's price volatile compared to industry and market?
0MSR volatility
0MSR Average Weekly Movement	n/a
Insurance Industry Average Movement	3.9%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.5%

Stable Share Price: 0MSR has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine 0MSR's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1977	2,687	Marko Jazbec	www.sava-re.si

Pozavarovalnica Sava, d.d. operates in the reinsurance business in Slovenia and internationally. It also offers non-life and life insurance products; and assistance services relating to motor, health, and homeowners insurance, as well as manages pension and investment funds. The company was founded in 1977 and is based in Ljubljana, Slovenia.

Pozavarovalnica Sava, d.d. Fundamentals Summary

How do Pozavarovalnica Sava d.d's earnings and revenue compare to its market cap?
0MSR fundamental statistics
Market cap	€347.15m
Earnings (TTM)	€61.47m
Revenue (TTM)	€695.20m

5.6x

P/E Ratio

0.5x

P/S Ratio

Is 0MSR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0MSR income statement (TTM)
Revenue	€695.20m
Cost of Revenue	€483.61m
Gross Profit	€211.59m
Other Expenses	€150.12m
Earnings	€61.47m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	3.97
Gross Margin	30.44%
Net Profit Margin	8.84%
Debt/Equity Ratio	18.5%

How did 0MSR perform over the long term?

See historical performance and comparison

Dividends

6.7%

Current Dividend Yield

38%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2022/09/18 03:49
End of Day Share Price	2022/06/21 00:00
Earnings	2022/06/30
Annual Earnings	2021/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pozavarovalnica Sava, d.d. is covered by 4 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Saso Stanovnik	Alta Invest
Domagoj Grcevic	InterCapital Securities Ltd.
null null	Wood & Company

Pozavarovalnica Sava d.d LSE:0MSR Stock Report