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Società Cattolica di Assicurazione - Società Cooperativa

LSE:0OMB
Snowflake Description

Good value with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0OMB
LSE
€1B
Market Cap
  1. Home
  2. GB
  3. Insurance
Company description

Società Cattolica di Assicurazione - Società Cooperativa provides life and non-life insurance products in Italy. The last earnings update was 34 days ago. More info.


Add to Portfolio Compare Print
0OMB Share Price and Events
7 Day Returns
-3.6%
LSE:0OMB
-0.6%
GB Insurance
1.2%
GB Market
1 Year Returns
-6.9%
LSE:0OMB
-5.4%
GB Insurance
2.5%
GB Market
0OMB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Società Cattolica di Assicurazione - Società Cooperativa (0OMB) -3.6% -2.5% 2.5% -6.9% 34.5% -53.3%
GB Insurance -0.6% 7.9% 9.8% -5.4% 16.5% 21%
GB Market 1.2% 5.3% 9.8% 2.5% 16.9% 6.7%
1 Year Return vs Industry and Market
  • 0OMB underperformed the Insurance industry which returned -5.4% over the past year.
  • 0OMB underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
0OMB
Industry
5yr Volatility vs Market

Value

 Is Società Cattolica di Assicurazione - Società Cooperativa undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Società Cattolica di Assicurazione - Società Cooperativa to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Società Cattolica di Assicurazione - Società Cooperativa.

LSE:0OMB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 4 analysts.
= Stable Book Value * Return on Equity
= €11.27 * 8.4%
€0.94
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. €11.27
Discount Rate (Cost of Equity) See below 10.2%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0OMB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 9%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.72
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.724 (1 + (1- 24%) (48.86%))
0.996
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.996 * 9.02%)
10.21%

Discounted Cash Flow Calculation for LSE:0OMB using Excess Returns Model Model

The calculations below outline how an intrinsic value for Società Cattolica di Assicurazione - Società Cooperativa is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0OMB Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (8.4% – 10.21%) * €11.27)
€-0.21
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-0.21 / (10.21% - 1.23%)
€-2.30
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €11.27 + €-2.30
€8.97
LSE:0OMB Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0OMB represents 1.0009x of BIT:CASS
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.0009x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 8.97 x 1.0009
€8.98
Value per share (EUR) From above. €8.98
Current discount Discount to share price of €8.31
= -1 x (€8.31 - €8.98) / €8.98
7.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Società Cattolica di Assicurazione - Società Cooperativa is available for.
Intrinsic value
7%
Share price is €8.31 vs Future cash flow value of €8.98
Current Discount Checks
For Società Cattolica di Assicurazione - Società Cooperativa to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Società Cattolica di Assicurazione - Società Cooperativa's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Società Cattolica di Assicurazione - Società Cooperativa's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Società Cattolica di Assicurazione - Società Cooperativa's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Società Cattolica di Assicurazione - Società Cooperativa's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0OMB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.64
BIT:CASS Share Price ** BIT (2019-04-25) in EUR €8.3
United Kingdom of Great Britain and Northern Ireland Insurance Industry PE Ratio Median Figure of 19 Publicly-Listed Insurance Companies 16.15x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.3x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Società Cattolica di Assicurazione - Società Cooperativa.

LSE:0OMB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BIT:CASS Share Price ÷ EPS (both in EUR)

= 8.3 ÷ 0.64

12.99x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Società Cattolica di Assicurazione - Società Cooperativa is good value based on earnings compared to the GB Insurance industry average.
  • Società Cattolica di Assicurazione - Società Cooperativa is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Società Cattolica di Assicurazione - Società Cooperativa's expected growth come at a high price?
Raw Data
LSE:0OMB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.99x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
17.2%per year
United Kingdom of Great Britain and Northern Ireland Insurance Industry PEG Ratio Median Figure of 16 Publicly-Listed Insurance Companies 1.55x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 566 Publicly-Listed Companies 1.5x

*Line of best fit is calculated by linear regression .

LSE:0OMB PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.99x ÷ 17.2%

0.75x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Società Cattolica di Assicurazione - Società Cooperativa is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Società Cattolica di Assicurazione - Società Cooperativa's assets?
Raw Data
LSE:0OMB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €10.64
BIT:CASS Share Price * BIT (2019-04-25) in EUR €8.3
United Kingdom of Great Britain and Northern Ireland Insurance Industry PB Ratio Median Figure of 24 Publicly-Listed Insurance Companies 2.09x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:0OMB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BIT:CASS Share Price ÷ Book Value per Share (both in EUR)

= 8.3 ÷ 10.64

0.78x

* Primary Listing of Società Cattolica di Assicurazione - Società Cooperativa.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Società Cattolica di Assicurazione - Società Cooperativa is good value based on assets compared to the GB Insurance industry average.
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Value checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Società Cattolica di Assicurazione - Società Cooperativa has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Società Cattolica di Assicurazione - Società Cooperativa expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
17.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Società Cattolica di Assicurazione - Società Cooperativa expected to grow at an attractive rate?
  • Società Cattolica di Assicurazione - Società Cooperativa's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Società Cattolica di Assicurazione - Società Cooperativa's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Società Cattolica di Assicurazione - Società Cooperativa's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0OMB Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0OMB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 17.2%
LSE:0OMB Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 9.1%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Earnings Growth Rate Market Cap Weighted Average 11.8%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Revenue Growth Rate Market Cap Weighted Average 18.3%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0OMB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0OMB Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 7,837 180 2
2020-12-31 7,581 170 3
2019-12-31 6,665 148 2
LSE:0OMB Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 6,036 152 107
2018-09-30 5,907 92
2018-06-30 5,572 677 91
2018-03-31 5,199 36
2017-12-31 5,269 1,453 41
2017-09-30 5,194 52
2017-06-30 5,126 1,408 60
2017-03-31 5,070 81
2016-12-31 5,019 671 76
2016-09-30 5,145 22
2016-06-30 5,135 852 25
2016-03-31 5,334 55

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Società Cattolica di Assicurazione - Società Cooperativa's earnings are expected to grow by 17.2% yearly, however this is not considered high growth (20% yearly).
  • Società Cattolica di Assicurazione - Società Cooperativa's revenue is expected to grow by 9.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0OMB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Società Cattolica di Assicurazione - Società Cooperativa Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0OMB Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 1.03 1.09 0.98 2.00
2020-12-31 0.96 1.05 0.89 4.00
2019-12-31 0.84 0.88 0.82 3.00
LSE:0OMB Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.64
2018-09-30
2018-06-30 0.54
2018-03-31
2017-12-31 0.24
2017-09-30
2017-06-30 0.36
2017-03-31
2016-12-31 0.45
2016-09-30
2016-06-30 0.15
2016-03-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Società Cattolica di Assicurazione - Società Cooperativa is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
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Future performance checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Società Cattolica di Assicurazione - Società Cooperativa has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Società Cattolica di Assicurazione - Società Cooperativa performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Società Cattolica di Assicurazione - Società Cooperativa's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Società Cattolica di Assicurazione - Società Cooperativa's year on year earnings growth rate has been positive over the past 5 years.
  • Società Cattolica di Assicurazione - Società Cooperativa's 1-year earnings growth exceeds its 5-year average (160.1% vs 2.4%)
  • Società Cattolica di Assicurazione - Società Cooperativa's earnings growth has exceeded the GB Insurance industry average in the past year (160.1% vs 5.3%).
Earnings and Revenue History
Società Cattolica di Assicurazione - Società Cooperativa's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Società Cattolica di Assicurazione - Società Cooperativa Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0OMB Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 6,036.10 106.93 219.53
2018-09-30 5,906.58 92.11 252.20
2018-06-30 5,571.58 91.11 182.20
2018-03-31 5,199.08 35.71 161.80
2017-12-31 5,268.51 41.11 154.20
2017-09-30 5,194.20 52.25 140.72
2017-06-30 5,126.20 60.25 142.72
2017-03-31 5,069.79 81.25 141.72
2016-12-31 5,019.20 76.25 144.72
2016-09-30 5,144.54 21.91 152.95
2016-06-30 5,134.54 24.91 149.95
2016-03-31 5,333.54 54.91 154.95
2015-12-31 5,777.54 60.91 151.95
2015-09-30 5,868.11 103.72 158.48
2015-06-30 6,077.11 95.72 156.48
2015-03-31 6,167.11 97.72 149.48
2014-12-31 5,838.11 90.72 144.48
2014-09-30 5,552.08 68.28 129.06
2014-06-30 5,299.08 62.28 128.06
2014-03-31 4,979.08 46.28 128.06
2013-12-31 4,706.08 44.28 132.06
2013-09-30 4,667.36 68.05 135.59
2013-06-30 4,949.36 69.05 135.59
2013-03-31 4,400.36 68.05 135.59
2012-12-31 4,267.36 63.05 134.59
2012-09-30 4,217.42 40.43 133.64
2012-06-30 3,707.42 37.43 135.64

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Società Cattolica di Assicurazione - Società Cooperativa has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Società Cattolica di Assicurazione - Società Cooperativa used its assets less efficiently than the GB Insurance industry average last year based on Return on Assets.
  • Società Cattolica di Assicurazione - Società Cooperativa's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Società Cattolica di Assicurazione - Società Cooperativa has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Società Cattolica di Assicurazione - Società Cooperativa's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Società Cattolica di Assicurazione - Società Cooperativa's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Società Cattolica di Assicurazione - Società Cooperativa's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Società Cattolica di Assicurazione - Società Cooperativa's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Società Cattolica di Assicurazione - Società Cooperativa's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Società Cattolica di Assicurazione - Società Cooperativa Company Filings, last reported 3 months ago.

LSE:0OMB Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 2,255.33 678.26 849.46
2018-09-30 2,197.00 692.00 770.00
2018-06-30 2,197.00 692.00 770.00
2018-03-31 2,107.54 723.23 1,163.84
2017-12-31 2,107.54 677.76 1,163.84
2017-09-30 2,077.00 253.00 3,789.00
2017-06-30 2,043.00 183.00 475.00
2017-03-31 2,129.00 255.00 3,575.00
2016-12-31 2,113.73 230.24 406.99
2016-09-30 2,100.00 281.00 3,409.00
2016-06-30 2,070.00 226.00 635.00
2016-03-31 2,164.00 281.00 3,618.00
2015-12-31 2,158.70 229.12 1,118.69
2015-09-30 2,189.00 280.00 4,018.00
2015-06-30 2,151.00 214.00 1,229.00
2015-03-31 2,272.00 283.00 3,786.00
2014-12-31 2,188.09 259.95 1,217.18
2014-09-30 1,742.00 351.00 1,222.00
2014-06-30 1,652.00 345.00 1,057.00
2014-03-31 1,642.00 364.00 3,873.00
2013-12-31 1,560.76 303.95 1,259.85
2013-09-30 1,517.00 0.00 4,098.00
2013-06-30 1,492.00 0.00 3,799.00
2013-03-31 1,610.00 0.00 4,287.00
2012-12-31 1,608.76 232.58 1,394.95
2012-09-30 1,480.00 0.00 4,458.00
2012-06-30 1,395.00 157.00 1,009.00
  • Società Cattolica di Assicurazione - Società Cooperativa's level of debt (30.1%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (19.5% vs 30.1% today).
  • Debt is well covered by operating cash flow (22.3%, greater than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 2.6x annual interest expense, ideally 3x coverage).
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Financial health checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Società Cattolica di Assicurazione - Società Cooperativa has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Società Cattolica di Assicurazione - Società Cooperativa's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.82%
Current annual income from Società Cattolica di Assicurazione - Società Cooperativa dividends. Estimated to be 6.41% next year.
If you bought €2,000 of Società Cattolica di Assicurazione - Società Cooperativa shares you are expected to receive €96 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Società Cattolica di Assicurazione - Società Cooperativa's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Società Cattolica di Assicurazione - Società Cooperativa's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.1%).
Upcoming dividend payment

Purchase Società Cattolica di Assicurazione - Società Cooperativa before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0OMB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Insurance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 4.5%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0OMB Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.60 2.00
2020-12-31 0.53 5.00
2019-12-31 0.48 3.00
LSE:0OMB Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-03-22 0.400 4.661
2019-03-08 0.400 4.725
2018-03-21 0.350 4.610
2017-03-30 0.350 4.249
2017-03-16 0.350 4.919
2016-03-09 0.350 6.152
2015-03-18 0.350 5.055
2014-03-19 0.450 4.431
2013-03-13 0.800 4.724
2012-11-14 0.000 0.000
2012-08-08 0.000 0.000
2012-05-15 0.000 0.000
2012-04-04 0.000 0.000
2012-03-21 0.000 0.000
2011-04-12 0.857 5.592
2011-03-30 0.857 4.663
2010-04-06 0.810 4.285
2010-03-25 0.810 3.614

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Società Cattolica di Assicurazione - Società Cooperativa has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Società Cattolica di Assicurazione - Società Cooperativa has only been paying a dividend for 9 years, and since then dividends per share have fallen.
Current Payout to shareholders
What portion of Società Cattolica di Assicurazione - Società Cooperativa's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.6x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.7x coverage).
X
Income/ dividend checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Società Cattolica di Assicurazione - Società Cooperativa afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Società Cattolica di Assicurazione - Società Cooperativa has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Società Cattolica di Assicurazione - Società Cooperativa's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alberto Minali
AGE 53
TENURE AS CEO 1.8 years
CEO Bio

Dr. Alberto Minali has been Chief Executive Officer and Director of Società Cattolica di Assicurazione -Società Cooperativa since June 1, 2017. Dr. Minali served as Chief Financial Officer at Assicurazioni Generali SpA (“Company”) from October 2012 to January 2017. Prior to taking the position, he spent more than four years as Portfolio Manager at Eskatos Capital Management Sarl, which he set up himself in 2008, focusing on management of hedge funds active in the reinsurance risks area. He worked at the Eurizon Financial Group from 2005 as CIO, and concurrently held the position of Chief Financial Officer in Eurizon Vita, the Group’s insurance subsidiary. He worked at Allianz-RAS for five years as Head of Capital and Value Management. He began his professional career in 1991 at it’s Group Head Office as Assistant to the Area Manager, at the Business Development – International Division. During his time with it, after his graduation from Bocconi University, Milan, with a degree in Economics, he went through further specializing periods at the Universities of Brandeis (Mass., USA) and Yale (Conn., USA). He serves as Vice Chairman of Generali Italia S.p.A. and Board Member at Generali Deutschland AG as well as DVAG. He is also Chartered Financial Analyst and Member of AIMR (Association of Investment Management and Research).

CEO Compensation
  • Insufficient data for Alberto to compare compensation growth.
  • Insufficient data for Alberto to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Società Cattolica di Assicurazione - Società Cooperativa management team in years:

1.7
Average Tenure
51
Average Age
  • The average tenure for the Società Cattolica di Assicurazione - Società Cooperativa management team is less than 2 years, this suggests a new team.
Management Team

Carlo Ferraresi

TITLE
General Manager for Markets & Distribution Channels - Cattolica
COMPENSATION
€537K
AGE
52
TENURE
1.8 yrs

Alberto Minali

TITLE
CEO, MD & Director
AGE
53
TENURE
1.8 yrs

Enrico Mattioli

TITLE
Deputy GM & CFO
AGE
49
TENURE
1.6 yrs

Valter Trevisani

TITLE
General Manager of Technical Area & Operations
AGE
56
TENURE
0.9 yrs

Massimo Di Tria

TITLE
Chief Investment Officer
AGE
42
TENURE
1.1 yrs

Atanasio Pantarrotas

TITLE
Investor Relations Officer
TENURE
1 yrs

Stefano Semolini

TITLE
Director of Legal & Corporate affairs
AGE
49
TENURE
1.8 yrs

Emanuela Vecchiet

TITLE
Director of Communications & Public Affairs
AGE
41
TENURE
1.4 yrs

Samuele Marconcini

TITLE
Director of Organization & Group Resources
AGE
51
TENURE
4.1 yrs

Alessandro Lai

TITLE
Secretary & Director
COMPENSATION
€243K
AGE
58
TENURE
3 yrs
Board of Directors Tenure

Average tenure and age of the Società Cattolica di Assicurazione - Società Cooperativa board of directors in years:

3.3
Average Tenure
56
Average Age
  • The tenure for the Società Cattolica di Assicurazione - Società Cooperativa board of directors is about average.
Board of Directors

Paolo Bedoni

TITLE
Chairman of the Board
COMPENSATION
€1M
AGE
63

Alberto Minali

TITLE
CEO, MD & Director
AGE
53
TENURE
1.8 yrs

Aldo Poli

TITLE
Vice Chairman
COMPENSATION
€340K
AGE
76
TENURE
3.3 yrs

Barbara Blasevich

TITLE
Vice President of the Board
COMPENSATION
€240K
AGE
52

Alessandro Lai

TITLE
Secretary & Director
COMPENSATION
€243K
AGE
58
TENURE
3.3 yrs

Giovanni Glisenti

TITLE
Director
COMPENSATION
€38K

Cesare Brena

TITLE
Director

Bettina Campedelli

TITLE
Director
COMPENSATION
€167K
AGE
56

Carlo Napoleoni

TITLE
Director
COMPENSATION
€99K
AGE
51

Federica Bonato

TITLE
Director
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Società Cattolica di Assicurazione - Società Cooperativa's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Società Cattolica di Assicurazione - Società Cooperativa has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Società Cattolica di Assicurazione - Società Cooperativa provides life and non-life insurance products in Italy. It offers vehicle, health, travel and leisure, and home and family insurance products for individual persons. The company also provides insurance products for companies, enterprises, and agriculture sector. In addition, it offers investment, savings, bancassurance, security, and protection products for companies and individuals. Further, the company invests and develops real estate assets, as well as engages in the asset and property management, and agricultural activities. Società Cattolica di Assicurazione - Società Cooperativa was founded in 1896 and is headquartered in Verona, Italy.

Details
Name: Società Cattolica di Assicurazione - Società Cooperativa
0OMB
Exchange: LSE
Founded: 1896
€1,388,233,257
167,257,019
Website: http://www.cattolicaassicurazioni.it
Address: Società Cattolica di Assicurazione - Società Cooperativa
Lungadige Cangrande 16,
Verona,
Verona, 37126,
Italy
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BIT CASS Ordinary Shares Borsa Italiana IT EUR 20. Nov 2000
DB XCW Ordinary Shares Deutsche Boerse AG DE EUR 20. Nov 2000
LSE 0OMB Ordinary Shares London Stock Exchange GB EUR 20. Nov 2000
BATS-CHIXE CASSM Ordinary Shares BATS 'Chi-X Europe' GB EUR 20. Nov 2000
Number of employees
Current staff
Staff numbers
1,520
Società Cattolica di Assicurazione - Società Cooperativa employees.
Industry
Life and Health Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/25 21:21
End of day share price update: 2019/04/25 00:00
Last estimates confirmation: 2019/04/23
Last earnings filing: 2019/03/22
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.