CSN Stock Overview
Chesnara plc, together with its subsidiaries, engages in the life assurance and pension businesses primarily in the United Kingdom, the Netherlands, and Sweden.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£3.10|
|52 Week High||UK£3.20|
|52 Week Low||UK£2.54|
|1 Month Change||9.54%|
|3 Month Change||10.12%|
|1 Year Change||8.77%|
|3 Year Change||4.20%|
|5 Year Change||-20.51%|
|Change since IPO||175.56%|
Recent News & Updates
Chesnara's (LON:CSN) Dividend Will Be Increased To UK£0.15
Chesnara plc's ( LON:CSN ) dividend will be increasing to UK£0.15 on 24th of May. This makes the dividend yield 7.3...
|CSN||GB Insurance||GB Market|
Return vs Industry: CSN exceeded the UK Insurance industry which returned -20.7% over the past year.
Return vs Market: CSN exceeded the UK Market which returned -8.9% over the past year.
|CSN Average Weekly Movement||3.3%|
|Insurance Industry Average Movement||4.6%|
|Market Average Movement||5.4%|
|10% most volatile stocks in GB Market||10.8%|
|10% least volatile stocks in GB Market||2.7%|
Stable Share Price: CSN is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CSN's weekly volatility (3%) has been stable over the past year.
About the Company
Chesnara plc, together with its subsidiaries, engages in the life assurance and pension businesses primarily in the United Kingdom, the Netherlands, and Sweden. It operates through CA, Movestic, Waard Group, and Scildon segments. The company underwrites life risks, such as death, disability, health, and accident; and provides a portfolio of investment contracts for the savings and retirement needs of customers through asset management, as well as general insurance products.
Chesnara Fundamentals Summary
|CSN fundamental statistics|
Is CSN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CSN income statement (TTM)|
|Cost of Revenue||UK£1.40b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
Aug 31, 2022
|Earnings per share (EPS)||0.18|
|Net Profit Margin||1.82%|
How did CSN perform over the long term?See historical performance and comparison
7.3%Current Dividend Yield
Is CSN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings 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 CSN?
Other financial metrics that can be useful for relative valuation.
|What is CSN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CSN's PE Ratio compare to its peers?
|CSN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
HSD Hansard Global
LGEN Legal & General Group
SBRE Sabre Insurance Group
Price-To-Earnings vs Peers: CSN is expensive based on its Price-To-Earnings Ratio (17.1x) compared to the peer average (16.8x).
Price to Earnings Ratio vs Industry
How does CSN's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: CSN is expensive based on its Price-To-Earnings Ratio (17.1x) compared to the UK Insurance industry average (16x)
Price to Earnings Ratio vs Fair Ratio
What is CSN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||17.1x|
|Fair PE Ratio||12.5x|
Price-To-Earnings vs Fair Ratio: CSN is expensive based on its Price-To-Earnings Ratio (17.1x) compared to the estimated Fair Price-To-Earnings Ratio (12.5x).
Share Price vs Fair Value
What is the Fair Price of CSN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CSN (£3.1) is trading below our estimate of fair value (£4.49)
Significantly Below Fair Value: CSN is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Chesnara forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CSN's forecast earnings growth (6.5% per year) is above the savings rate (0.9%).
Earnings vs Market: CSN's earnings (6.5% per year) are forecast to grow slower than the UK market (9.4% per year).
High Growth Earnings: CSN's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if CSN's revenue is forecast to grow faster than the UK market.
High Growth Revenue: Insufficient data to determine if CSN's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CSN's Return on Equity is forecast to be low in 3 years time (9%).
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How has Chesnara performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CSN has high quality earnings.
Growing Profit Margin: CSN's current net profit margins (1.8%) are lower than last year (3.3%).
Past Earnings Growth Analysis
Earnings Trend: CSN's earnings have declined by 15.5% per year over the past 5 years.
Accelerating Growth: CSN's earnings growth over the past year (28.8%) exceeds its 5-year average (-15.5% per year).
Earnings vs Industry: CSN earnings growth over the past year (28.8%) exceeded the Insurance industry -13.9%.
Return on Equity
High ROE: CSN's Return on Equity (6%) is considered low.
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How is Chesnara's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CSN's short term assets (£8.0B) exceed its short term liabilities (£882.3M).
Long Term Liabilities: CSN's short term assets (£8.0B) do not cover its long term liabilities (£8.3B).
Debt to Equity History and Analysis
Debt Level: CSN has more cash than its total debt.
Reducing Debt: CSN's debt to equity ratio has reduced from 22.6% to 10.4% over the past 5 years.
Debt Coverage: CSN's debt is well covered by operating cash flow (56.1%).
Interest Coverage: CSN's interest payments on its debt are well covered by EBIT (13.7x coverage).
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What is Chesnara current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CSN's dividend (7.29%) is higher than the bottom 25% of dividend payers in the UK market (1.83%).
High Dividend: CSN's dividend (7.29%) is in the top 25% of dividend payers in the UK market (5.11%)
Stability and Growth of Payments
Stable Dividend: CSN's dividends per share have been stable in the past 10 years.
Growing Dividend: CSN's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (124.3%), CSN's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its high cash payout ratio (147.8%), CSN's dividend payments are not well covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Steve Murray (44 yo)
Mr. Steven Grant Murray, also known as Steve, served as a Group Chief Commercial Officer at The Royal London Mutual Insurance Society Limited since January 2021 until 2021. He serves as Group Chief Executi...
CEO Compensation Analysis
Compensation vs Market: Steve's total compensation ($USD1.18M) is about average for companies of similar size in the UK market ($USD1.06M).
Compensation vs Earnings: Insufficient data to compare Steve's compensation with company performance.
Experienced Management: CSN's management team is considered experienced (2.6 years average tenure).
Experienced Board: CSN's board of directors are not considered experienced ( 2.3 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Chesnara plc's employee growth, exchange listings and data sources
- Name: Chesnara plc
- Ticker: CSN
- Exchange: LSE
- Founded: 2003
- Industry: Life and Health Insurance
- Sector: Insurance
- Implied Market Cap: UK£465.488m
- Shares outstanding: 150.16m
- Website: https://www.chesnara.co.uk
Number of Employees
- Chesnara plc
- Building 4
- 2nd Floor
- PR1 8UY
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/11 00:00|
|End of Day Share Price||2022/08/11 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.