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esure Group

LSE:ESUR
Snowflake Description

Proven track record with reasonable growth potential.

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

esure Group plc, through its subsidiaries, provides general insurance products in the United Kingdom. The last earnings update was 127 days ago. More info.


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ESUR Share Price and Events
7 Day Returns
0%
LSE:ESUR
-1.2%
GB Insurance
-1.2%
GB Market
1 Year Returns
8.5%
LSE:ESUR
-19.4%
GB Insurance
-10.7%
GB Market
ESUR Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
esure Group (ESUR) 0% 0% 0.5% 8.5% 13.3% 13.7%
GB Insurance -1.2% -7.6% -15.3% -19.4% -9.3% 4.4%
GB Market -1.2% -4.4% -8.9% -10.7% 4.8% -8.5%
1 Year Return vs Industry and Market
  • ESUR outperformed the Insurance industry which returned -19.4% over the past year.
  • ESUR outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -10.7% over the past year.
Price Volatility
ESUR
Industry
5yr Volatility vs Market

ESUR Value

 Is esure Group 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 esure Group 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 esure Group.

LSE:ESUR Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= £0.86 * 27.9%
£0.24
Book Value of Equity per Share Weighted future Book Value estimates from 5 analysts. £0.86
Discount Rate (Cost of Equity) See below 8.3%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.4%

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:ESUR
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.4%
Equity Risk Premium S&P Global 8.6%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.55
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.553 (1 + (1- 19%) (10.5%))
0.6
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.4% + (0.8 * 8.6%)
8.28%

Discounted Cash Flow Calculation for LSE:ESUR using Excess Returns Model Model

The calculations below outline how an intrinsic value for esure Group 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:ESUR Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (27.9% – 8.28%) * £0.86)
£0.17
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= £0.17 / (8.28% - 1.4%)
£2.45
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= £0.86 + £2.45
£3.31
LSE:ESUR Discount to Share Price
Calculation Result
Value per share (GBP) From above. £3.31
Current discount Discount to share price of £2.80
= -1 x (£2.80 - £3.31) / £3.31
15.4%

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

Current Discount
Amount off the current price esure Group is available for.
Intrinsic value
15%
Share price is £2.8 vs Future cash flow value of £3.31
Current Discount Checks
For esure Group to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • esure Group's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • esure Group'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 esure Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are esure Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:ESUR PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-06-30) in GBP £0.18
LSE:ESUR Share Price ** LSE (2018-12-18) in GBP £2.8
United Kingdom of Great Britain and Northern Ireland Insurance Industry PE Ratio Median Figure of 22 Publicly-Listed Insurance Companies 15.8x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 814 Publicly-Listed Companies 14.57x

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

** Primary Listing of esure Group.

LSE:ESUR PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:ESUR Share Price ÷ EPS (both in GBP)

= 2.8 ÷ 0.18

15.66x

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

  • esure Group is good value based on earnings compared to the GB Insurance industry average.
  • esure Group is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does esure Group's expected growth come at a high price?
Raw Data
LSE:ESUR PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 15.66x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts
14.5%per year
United Kingdom of Great Britain and Northern Ireland Insurance Industry PEG Ratio Median Figure of 19 Publicly-Listed Insurance Companies 1.57x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 580 Publicly-Listed Companies 1.19x

*Line of best fit is calculated by linear regression .

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

= PE Ratio ÷ Net Income Annual Growth Rate

= 15.66x ÷ 14.5%

1.08x

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

  • esure Group is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on esure Group's assets?
Raw Data
LSE:ESUR PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-06-30) in GBP £0.69
LSE:ESUR Share Price * LSE (2018-12-18) in GBP £2.8
United Kingdom of Great Britain and Northern Ireland Insurance Industry PB Ratio Median Figure of 24 Publicly-Listed Insurance Companies 1.81x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,357 Publicly-Listed Companies 1.43x
LSE:ESUR PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:ESUR Share Price ÷ Book Value per Share (both in GBP)

= 2.8 ÷ 0.69

4.06x

* Primary Listing of esure Group.

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

  • esure Group is overvalued based on assets compared to the GB Insurance industry average.
X
Value checks
We assess esure Group'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. esure Group has a total score of 1/6, 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.

ESUR Future Performance

 How is esure Group expected to perform in the next 1 to 3 years based on estimates from 6 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
14.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is esure Group expected to grow at an attractive rate?
  • esure Group's earnings growth is expected to exceed the low risk savings rate of 1.4%.
Growth vs Market Checks
  • esure Group's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • esure Group'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:ESUR Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:ESUR Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts 14.5%
LSE:ESUR Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 6 Analysts 6%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Earnings Growth Rate Market Cap Weighted Average 14.9%
United Kingdom of Great Britain and Northern Ireland Insurance Industry Revenue Growth Rate Market Cap Weighted Average 5.1%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.8%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 3.9%

*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:ESUR Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:ESUR Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 922 102 5
2019-12-31 861 94 6
2018-12-31 791 75 3
LSE:ESUR Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-06-30 853 88 75
2018-03-31 817 94 78
2017-12-31 781 100 80
2017-06-30 705 21 71
2017-03-31 676 8 65
2016-12-31 648 -4 60
2016-06-30 504 47 -22
2016-03-31 537 101 14
2015-12-31 570 155 50
2015-09-30 687 104 128

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • esure Group's earnings are expected to grow by 14.5% yearly, however this is not considered high growth (20% yearly).
  • esure Group's revenue is expected to grow by 6% 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:ESUR Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below

All data from esure Group Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:ESUR Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 0.24 0.29 0.20 9.00
2019-12-31 0.23 0.27 0.19 9.00
2018-12-31 0.19 0.22 0.17 9.00
LSE:ESUR Past Financials Data
Date (Data in GBP Millions) EPS *
2018-06-30 0.18
2018-03-31 0.19
2017-12-31 0.19
2017-06-30 0.17
2017-03-31 0.16
2016-12-31 0.14
2016-06-30 -0.05
2016-03-31 0.03
2015-12-31 0.12
2015-09-30 0.31

*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.
  • esure Group is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess esure Group'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.
esure Group has a total score of 4/6, 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.

ESUR Past Performance

  How has esure Group 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 esure Group'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.
  • esure Group's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • esure Group's 1-year earnings growth exceeds its 5-year average (6% vs -10.1%)
  • esure Group's earnings growth has exceeded the GB Insurance industry average in the past year (6% vs -2.8%).
Earnings and Revenue History
esure Group'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 esure Group Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:ESUR Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-06-30 852.90 74.70 149.40
2018-03-31 817.10 77.55 144.95
2017-12-31 781.30 80.40 140.50
2017-06-30 705.40 70.50 130.00
2017-03-31 676.45 65.00 121.65
2016-12-31 647.50 59.50 113.30
2016-06-30 504.20 -22.20 103.90
2016-03-31 537.10 13.85 100.50
2015-12-31 570.00 49.90 97.10
2015-09-30 687.20 128.20 95.70
2015-06-30 656.50 134.50 94.30
2015-03-31 613.50 108.45 96.60
2014-12-31 570.50 82.40 98.90
2014-09-30 573.95 88.40 100.15
2014-06-30 577.40 94.40 101.40
2014-03-31 575.45 93.80 101.15
2013-12-31 573.50 93.20 100.90
2013-09-30 581.35 93.85 99.80
2013-06-30 589.20 94.50 98.70
2013-03-31 590.85 91.30 97.40
2012-12-31 592.50 88.10 96.10
2011-12-31 496.90 43.10 90.10

*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.
  • esure Group has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • esure Group used its assets more efficiently than the GB Insurance industry average last year based on Return on Assets.
  • esure Group's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess esure Group'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.
esure Group has a total score of 4/6, 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.

ESUR Health

 How is esure Group'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 esure Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • esure Group's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • esure Group's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of esure Group'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 6x 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 esure Group Company Filings, last reported 5 months ago.

LSE:ESUR Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-06-30 288.30 123.20 44.40
2018-03-31 288.30 123.20 44.40
2017-12-31 298.00 123.10 47.70
2017-06-30 267.80 122.90 40.30
2017-03-31 267.80 122.90 40.30
2016-12-31 271.50 122.80 25.60
2016-06-30 346.50 122.70 28.90
2016-03-31 346.50 122.70 28.90
2015-12-31 341.30 122.60 32.00
2015-09-30 341.30 122.60 32.00
2015-06-30 333.30 122.20 47.90
2015-03-31 333.30 122.20 47.90
2014-12-31 282.20 122.40 26.40
2014-09-30 282.20 122.40 26.40
2014-06-30 265.30 0.00 21.00
2014-03-31 265.30 0.00 21.00
2013-12-31 274.20 0.00 29.70
2013-09-30 274.20 0.00 29.70
2013-06-30 234.60 0.00 40.50
2013-03-31 234.60 0.00 40.50
2012-12-31 231.10 50.00 39.80
2011-12-31 143.00 83.00 32.70
  • esure Group's level of debt (42.7%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (0% vs 42.7% today).
  • Debt is well covered by operating cash flow (71.8%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 11.3x coverage).
X
Financial health checks
We assess esure Group'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. esure Group has a total score of 3/6, 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.

ESUR Dividends

 What is esure Group'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
0%
Current annual income from esure Group dividends. Estimated to be 5.59% next year.
If you bought £2,000 of esure Group shares you are expected to receive £0 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?
  • Unable to evaluate esure Group's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate esure Group's dividend against the top 25% market benchmark as the company has not reported any payouts.
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:ESUR 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 6 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 23 Stocks 5.2%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 710 Stocks 4.5%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.1%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

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

LSE:ESUR Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.17 7.00
2019-12-31 0.16 8.00
2018-12-31 0.14 8.00
LSE:ESUR Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2018-08-14 0.000 0.000
2018-05-18 0.123 5.728
2017-05-18 0.135 5.286
2016-04-08 0.115 4.736
2016-03-08 0.115 4.281
2015-08-10 0.159 6.488
2015-04-10 0.168 6.803
2015-03-10 0.168 7.677
2014-08-05 0.126 5.553
2014-04-02 0.093 3.575
2014-03-11 0.093 3.329
2013-08-06 0.036 1.454

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

  • Unable to perform a dividend volatility check as esure Group has not reported any payouts.
  • Unable to verify if esure Group's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of esure Group's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as esure Group has not reported any payouts.
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.4x coverage).
X
Income/ dividend checks
We assess esure Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - 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 esure Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. esure Group has a total score of 1/6, see the detailed checks below.


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

ESUR Management

 What is the CEO of esure Group'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
Darren Ogden
COMPENSATION £904,390
TENURE AS CEO 0.9 years
CEO Bio

Mr. Darren Ogden has been the Interim Chief executive Officer of esure Group Plc since January 2018. Mr. Ogden had been Chief Finance Officer of esure Group plc since November 2012. Mr. Ogden has spent 13 years in a number of finance-related roles at Legal & General, primarily in the general insurance division before joining esure. He joined esure in 2003, responsible for overseeing the Financial Planning and Analysis function and served as its Head of Finance since 2007. Mr. Ogden has been a Director at Esure Services Limited since October 29, 2012. He serves as a Director of esure Insurance Limited. He serves as an Executive Director of esure Group plc. Mr. Ogden over 20 years’ experience of working within the insurance industry. Mr. Ogden is a Qualified Accountant (ACCA).

CEO Compensation
  • Darren's compensation has been consistent with company performance over the past year.
  • Darren's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure of the esure Group management team in years:

4.2
Average Tenure
  • The tenure for the esure Group management team is about average.
Management Team

Peter Wood

TITLE
Chairman of the Board
COMPENSATION
£796K
TENURE
18.8 yrs

Darren Ogden

TITLE
Interim CEO & Director
COMPENSATION
£904K
TENURE
0.9 yrs

Steve Long

TITLE
Interim Chief Financial Officer
TENURE
0.9 yrs

David Pitt

TITLE
Chief Operating Officer
TENURE
4.2 yrs

Graham Bolton

TITLE
Chief Technology Officer
TENURE
0.9 yrs

Chris Wensley

TITLE
Head of Investor Relations & Corporate Strategy

Emma Banks

TITLE
Head of Corporate Communications

Helen Taylor

TITLE
HR Director
TENURE
4.3 yrs

Darren Boland

TITLE
Chief Risk Officer
TENURE
5.2 yrs

Jon Wilshire

TITLE
Chief Underwriting Officer
TENURE
5.9 yrs
Board of Directors Tenure

Average tenure and age of the esure Group board of directors in years:

3.3
Average Tenure
57.5
Average Age
  • The tenure for the esure Group board of directors is about average.
Board of Directors

Darren Ogden

TITLE
Interim CEO & Director
COMPENSATION
£904K
TENURE
6.1 yrs

Shirley Garrood

TITLE
Deputy Chairman & Senior Independent Director
COMPENSATION
£138K
TENURE
3.3 yrs

Peter Wood

TITLE
Chairman of the Board
COMPENSATION
£796K
TENURE
18.8 yrs

Martin St. Pike

TITLE
Non-Executive Director
COMPENSATION
£85K
AGE
56
TENURE
3.3 yrs

Peter Shaw

TITLE
Non-Executive Director
COMPENSATION
£67K
AGE
59
TENURE
1.8 yrs

Angela Seymour-Jackson

TITLE
Non-Executive Director
COMPENSATION
£70K
AGE
52
TENURE
3.2 yrs

Alan Rubenstein

TITLE
Non-Executive Director
COMPENSATION
£55K
AGE
62
TENURE
1.8 yrs

Nick Hugh

TITLE
Non-Executive Director
TENURE
0.5 yrs
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 (£)
18. Dec 18 Sell BlackRock, Inc. Company 17. Dec 18 17. Dec 18 -47,616 £2.80 £-133,155
18. Dec 18 Buy BlackRock, Inc. Company 17. Dec 18 17. Dec 18 29,640 £2.80 £82,912
18. Dec 18 Buy Societe Generale Group, Banking Investments Company 17. Dec 18 17. Dec 18 43,299 £2.80 £121,177
17. Dec 18 Sell Standard Life Aberdeen plc Company 14. Dec 18 14. Dec 18 -20,439 £2.80 £-57,147
17. Dec 18 Buy Societe Generale Group, Banking Investments Company 14. Dec 18 14. Dec 18 36 £2.80 £101
14. Dec 18 Buy BlackRock, Inc. Company 13. Dec 18 13. Dec 18 718 £2.80 £2,008
14. Dec 18 Buy Societe Generale Group, Banking Investments Company 13. Dec 18 13. Dec 18 2,876 £2.80 £8,042
13. Dec 18 Buy BlackRock, Inc. Company 12. Dec 18 12. Dec 18 359 £2.80 £1,004
13. Dec 18 Sell Tibra Trading Europe Ltd., Asset Management Arm Company 12. Dec 18 12. Dec 18 -47,850 £2.80 £-133,980
13. Dec 18 Buy Standard Life Aberdeen plc Company 12. Dec 18 12. Dec 18 367 £2.80 £1,027
13. Dec 18 Buy Societe Generale Group, Banking Investments Company 12. Dec 18 12. Dec 18 3,030 £2.80 £8,472
12. Dec 18 Sell Tibra Trading Europe Ltd., Asset Management Arm Company 11. Dec 18 11. Dec 18 -64,900 £2.80 £-181,720
12. Dec 18 Sell Societe Generale Group, Banking Investments Company 11. Dec 18 11. Dec 18 -1,921 £2.80 £-5,367
12. Dec 18 Buy Societe Generale Group, Banking Investments Company 11. Dec 18 11. Dec 18 4,034 £2.80 £11,282
12. Dec 18 Buy Legal & General Investment Management Limited Company 11. Dec 18 11. Dec 18 21,949 £2.80 £61,457
11. Dec 18 Sell Legal & General Investment Management Limited Company 10. Dec 18 10. Dec 18 -132,125 £2.80 £-369,421
11. Dec 18 Buy BlackRock, Inc. Company 10. Dec 18 10. Dec 18 13,290 £2.80 £37,161
11. Dec 18 Buy Societe Generale Group, Banking Investments Company 10. Dec 18 10. Dec 18 2,509 £2.80 £7,015
10. Dec 18 Buy Standard Life Aberdeen plc Company 07. Dec 18 07. Dec 18 13,334 £2.80 £37,282
10. Dec 18 Sell BlackRock, Inc. Company 07. Dec 18 07. Dec 18 -27,265 £2.80 £-76,233
10. Dec 18 Buy BlackRock, Inc. Company 07. Dec 18 07. Dec 18 63,656 £2.80 £178,065
07. Dec 18 Sell BlackRock, Inc. Company 06. Dec 18 06. Dec 18 -13,704 £2.80 £-38,316
07. Dec 18 Buy BlackRock, Inc. Company 06. Dec 18 06. Dec 18 1,951 £2.80 £5,455
07. Dec 18 Sell Societe Generale Group, Banking Investments Company 06. Dec 18 06. Dec 18 -6,757 £2.80 £-18,893
06. Dec 18 Sell Societe Generale Group, Banking Investments Company 05. Dec 18 05. Dec 18 -13 £2.80 £-36
06. Dec 18 Buy Societe Generale Group, Banking Investments Company 05. Dec 18 05. Dec 18 9,985 £2.80 £27,918
06. Dec 18 Sell Tibra Trading Europe Ltd., Asset Management Arm Company 05. Dec 18 05. Dec 18 -1,440 £2.80 £-4,029
05. Dec 18 Sell Societe Generale Group, Banking Investments Company 04. Dec 18 04. Dec 18 -100 £2.79 £-279
05. Dec 18 Buy Societe Generale Group, Banking Investments Company 04. Dec 18 04. Dec 18 2,057 £2.79 £5,747
05. Dec 18 Buy Tibra Trading Europe Ltd., Asset Management Arm Company 04. Dec 18 04. Dec 18 500,000 £2.79 £1,397,250
05. Dec 18 Buy BlackRock, Inc. Company 04. Dec 18 04. Dec 18 1,986 £2.80 £5,552
04. Dec 18 Buy Societe Generale Group, Banking Investments Company 03. Dec 18 03. Dec 18 2,734 £2.79 £7,639
29. Nov 18 Sell Standard Life Aberdeen plc Company 28. Nov 18 28. Nov 18 -37,570 £2.79 £-104,858
28. Nov 18 Buy Standard Life Aberdeen plc Company 27. Nov 18 27. Nov 18 5,530 £2.79 £15,451
26. Nov 18 Sell Standard Life Aberdeen plc Company 23. Nov 18 23. Nov 18 -37,571 £2.79 £-104,861
21. Nov 18 Buy Standard Life Aberdeen plc Company 20. Nov 18 20. Nov 18 5,036 £2.79 £14,071
19. Nov 18 Buy Standard Life Aberdeen plc Company 16. Nov 18 16. Nov 18 24,108 £2.79 £67,358
16. Nov 18 Buy Standard Life Aberdeen plc Company 15. Nov 18 15. Nov 18 105,005 £2.80 £293,544
09. Nov 18 Buy Standard Life Aberdeen plc Company 08. Nov 18 08. Nov 18 4,549 £2.80 £12,728
08. Nov 18 Sell Standard Life Aberdeen plc Company 07. Nov 18 07. Nov 18 -41 £2.79 £-114
07. Nov 18 Sell Standard Life Aberdeen plc Company 06. Nov 18 06. Nov 18 -103,728 £2.79 £-289,401
05. Nov 18 Buy Standard Life Aberdeen plc Company 02. Nov 18 02. Nov 18 16,409 £2.80 £45,880
18. Oct 18 Buy Standard Life Aberdeen plc Company 17. Oct 18 17. Oct 18 10,627 £2.78 £29,554
17. Oct 18 Sell Standard Life Aberdeen plc Company 16. Oct 18 16. Oct 18 -40,812 £2.79 £-113,661
17. Oct 18 Buy Standard Life Aberdeen plc Company 16. Oct 18 16. Oct 18 99,603 £2.79 £277,793
16. Oct 18 Buy Standard Life Aberdeen plc Company 15. Oct 18 15. Oct 18 8,659 £2.79 £24,141
12. Oct 18 Buy Standard Life Aberdeen plc Company 11. Oct 18 11. Oct 18 24,254 £2.77 £67,281
11. Oct 18 Buy Standard Life Aberdeen plc Company 10. Oct 18 10. Oct 18 11,380 £2.78 £31,659
10. Oct 18 Sell Standard Life Aberdeen plc Company 09. Oct 18 09. Oct 18 -2,366 £2.78 £-6,582
28. Sep 18 Sell Standard Life Aberdeen plc Company 27. Sep 18 27. Sep 18 -88,754 £2.78 £-246,644
27. Sep 18 Sell Standard Life Aberdeen plc Company 26. Sep 18 26. Sep 18 -251,654 £2.78 £-699,346
26. Sep 18 Sell Standard Life Aberdeen plc Company 25. Sep 18 25. Sep 18 -172,258 £2.78 £-479,222
24. Sep 18 Sell Standard Life Aberdeen plc Company 21. Sep 18 21. Sep 18 -44,582 £2.77 £-123,492
11. Sep 18 Buy Standard Life Aberdeen plc Company 10. Sep 18 10. Sep 18 121,512 £2.79 £338,532
05. Sep 18 Buy Standard Life Aberdeen plc Company 04. Sep 18 04. Sep 18 99,098 £2.79 £276,087
04. Sep 18 Buy Standard Life Aberdeen plc Company 03. Sep 18 03. Sep 18 29,957 £2.79 £83,670
31. Aug 18 Buy Standard Life Aberdeen plc Company 30. Aug 18 30. Aug 18 71,641 £2.79 £199,592
21. Aug 18 Sell Standard Life Aberdeen plc Company 20. Aug 18 20. Aug 18 -16,713 £2.78 £-46,395
17. Aug 18 Sell Standard Life Aberdeen plc Company 16. Aug 18 16. Aug 18 -411,068 £2.78 £-1,141,947
03. Dec 18 Sell Legal & General Investment Management Limited Company 30. Nov 18 30. Nov 18 -12,168 £2.79 £-33,973
03. Dec 18 Buy Legal & General Investment Management Limited Company 30. Nov 18 30. Nov 18 11,652 £2.79 £32,503
03. Dec 18 Buy Societe Generale Group, Banking Investments Company 30. Nov 18 30. Nov 18 211,556 £2.79 £590,381
03. Dec 18 Sell Standard Life Aberdeen plc Company 30. Nov 18 30. Nov 18 -840 £2.79 £-2,345
03. Dec 18 Sell BlackRock, Inc. Company 30. Nov 18 30. Nov 18 -190,401 £2.79 £-531,314
03. Dec 18 Buy BlackRock, Inc. Company 30. Nov 18 30. Nov 18 11,539 £2.79 £32,217
26. Nov 18 Buy Societe Generale Group, Banking Investments Company 23. Nov 18 23. Nov 18 800 £2.79 £2,232
23. Nov 18 Buy Societe Generale Group, Banking Investments Company 22. Nov 18 22. Nov 18 747 £2.79 £2,086
21. Nov 18 Sell BNP Paribas, Private & Investment Banking Investments Company 20. Nov 18 20. Nov 18 -35,156 £2.80 £-98,278
21. Nov 18 Buy Legal & General Investment Management Limited Company 20. Nov 18 20. Nov 18 28,410 £2.79 £79,397
20. Nov 18 Buy BlackRock, Inc. Company 19. Nov 18 19. Nov 18 359 £2.80 £1,004
19. Nov 18 Buy Societe Generale Group, Banking Investments Company 16. Nov 18 16. Nov 18 100,018 £2.79 £279,310
16. Nov 18 Buy Societe Generale Group, Banking Investments Company 15. Nov 18 15. Nov 18 70,000 £2.79 £195,482
15. Nov 18 Buy BlackRock, Inc. Company 14. Nov 18 14. Nov 18 359 £2.79 £1,002
15. Nov 18 Buy Societe Generale Group, Banking Investments Company 14. Nov 18 14. Nov 18 225,842 £2.79 £630,686
14. Nov 18 Buy Societe Generale Group, Banking Investments Company 13. Nov 18 13. Nov 18 15,620 £2.79 £43,613
12. Nov 18 Sell Legal & General Investment Management Limited Company 09. Nov 18 09. Nov 18 -48,620 £2.79 £-135,830
12. Nov 18 Buy BlackRock, Inc. Company 09. Nov 18 09. Nov 18 1,684 £2.80 £4,708
09. Nov 18 Sell Legal & General Investment Management Limited Company 08. Nov 18 08. Nov 18 -21,333 £2.79 £-59,617
09. Nov 18 Buy Societe Generale Group, Banking Investments Company 08. Nov 18 08. Nov 18 2,343 £2.80 £6,549
08. Nov 18 Buy Societe Generale Group, Banking Investments Company 07. Nov 18 07. Nov 18 3,014 £2.80 £8,415
07. Nov 18 Buy BlackRock, Inc. Company 06. Nov 18 06. Nov 18 47,363 £2.79 £132,162
06. Nov 18 Sell BlackRock, Inc. Company 05. Nov 18 05. Nov 18 -61,790 £2.79 £-172,518
06. Nov 18 Buy BlackRock, Inc. Company 05. Nov 18 05. Nov 18 12,565 £2.79 £35,081
06. Nov 18 Buy Legal & General Investment Management Limited Company 05. Nov 18 05. Nov 18 4,467 £2.79 £12,463
06. Nov 18 Sell Societe Generale Group, Banking Investments Company 05. Nov 18 05. Nov 18 -142 £2.80 £-397
06. Nov 18 Buy Societe Generale Group, Banking Investments Company 05. Nov 18 05. Nov 18 142 £2.80 £397
02. Nov 18 Buy BNP Paribas, Private & Investment Banking Investments Company 01. Oct 18 01. Oct 18 5,700,000 £2.74 £15,618,001
05. Nov 18 Buy BlackRock, Inc. Company 02. Nov 18 02. Nov 18 20,112 £2.80 £56,233
05. Nov 18 Sell Societe Generale Group, Banking Investments Company 02. Nov 18 02. Nov 18 -20,043 £2.80 £-56,029
05. Nov 18 Buy Societe Generale Group, Banking Investments Company 02. Nov 18 02. Nov 18 14,012 £2.79 £39,122
02. Nov 18 Buy Legal & General Investment Management Limited Company 01. Nov 18 01. Nov 18 8,967 £2.79 £25,036
02. Nov 18 Buy BlackRock, Inc. Company 01. Nov 18 01. Nov 18 409 £2.79 £1,142
01. Nov 18 Sell BlackRock, Inc. Company 31. Oct 18 31. Oct 18 -31,105 £2.79 £-86,728
31. Oct 18 Sell Tibra Trading Europe Ltd., Asset Management Arm Company 30. Oct 18 30. Oct 18 -15,847 £2.80 £-44,308
30. Oct 18 Sell BlackRock, Inc. Company 29. Oct 18 29. Oct 18 -34,312 £2.79 £-95,662
25. Oct 18 Sell Societe Generale Group, Banking Investments Company 24. Oct 18 24. Oct 18 -2,774 £2.79 £-7,734
25. Oct 18 Buy BlackRock, Inc. Company 24. Oct 18 24. Oct 18 718 £2.78 £1,999
24. Oct 18 Sell BlackRock, Inc. Company 23. Oct 18 23. Oct 18 -47,810 £2.78 £-133,007
23. Oct 18 Sell Societe Generale Group, Banking Investments Company 22. Oct 18 22. Oct 18 -3,274 £2.78 £-9,115
18. Oct 18 Buy BlackRock, Inc. Company 17. Oct 18 17. Oct 18 718 £2.78 £1,999
18. Oct 18 Buy Societe Generale Group, Banking Investments Company 17. Oct 18 17. Oct 18 5,772 £2.78 £16,057
17. Oct 18 Sell Legal & General Investment Management Limited Company 16. Oct 18 16. Oct 18 -37,998 £2.79 £-105,895
16. Oct 18 Buy Tibra Trading Europe Ltd., Asset Management Arm Company 15. Oct 18 15. Oct 18 4,560 £2.77 £12,649
15. Oct 18 Sell BlackRock, Inc. Company 12. Oct 18 12. Oct 18 -81,614 £2.78 £-226,699
15. Oct 18 Buy Tibra Trading Europe Ltd., Asset Management Arm Company 12. Oct 18 12. Oct 18 286,410 £2.77 £794,272
15. Oct 18 Sell Societe Generale Group, Banking Investments Company 12. Oct 18 12. Oct 18 -5,001,841 £2.78 £-13,885,113
15. Oct 18 Buy Societe Generale Group, Banking Investments Company 12. Oct 18 12. Oct 18 500,000 £2.77 £1,386,900
12. Oct 18 Sell Tibra Trading Europe Ltd., Asset Management Arm Company 11. Oct 18 11. Oct 18 -6,179 £2.79 £-17,227
12. Oct 18 Buy Tibra Trading Europe Ltd., Asset Management Arm Company 11. Oct 18 11. Oct 18 1,791,272 £2.78 £4,975,872
12. Oct 18 Buy BlackRock, Inc. Company 11. Oct 18 11. Oct 18 129,099 £2.78 £359,061
12. Oct 18 Sell Societe Generale Group, Banking Investments Company 11. Oct 18 11. Oct 18 -16,851 £2.78 £-46,846
12. Oct 18 Buy Societe Generale Group, Banking Investments Company 11. Oct 18 11. Oct 18 3,855,213 £2.78 £10,725,202
12. Oct 18 Buy Legal & General Investment Management Limited Company 11. Oct 18 11. Oct 18 3,595 £2.77 £9,973
11. Oct 18 Buy Societe Generale Group, Banking Investments Company 10. Oct 18 10. Oct 18 20,955 £2.79 £58,381
11. Oct 18 Buy BlackRock, Inc. Company 10. Oct 18 10. Oct 18 22,338 £2.78 £62,176
10. Oct 18 Buy BlackRock, Inc. Company 09. Oct 18 09. Oct 18 359 £2.78 £999
10. Oct 18 Sell Societe Generale Group, Banking Investments Company 09. Oct 18 09. Oct 18 -1,311 £2.78 £-3,647
10. Oct 18 Buy Societe Generale Group, Banking Investments Company 09. Oct 18 09. Oct 18 2,036 £2.78 £5,664
08. Oct 18 Sell Societe Generale Group, Banking Investments Company 05. Oct 18 05. Oct 18 -7,774 £2.78 £-21,612
08. Oct 18 Buy Societe Generale Group, Banking Investments Company 05. Oct 18 05. Oct 18 22 £2.78 £61
04. Oct 18 Buy BlackRock, Inc. Company 03. Oct 18 03. Oct 18 679 £2.78 £1,888
03. Oct 18 Sell Societe Generale Group, Banking Investments Company 02. Oct 18 02. Oct 18 -1,135 £2.78 £-3,153
02. Oct 18 Buy Maven Securities Limited Company 01. Oct 18 01. Oct 18 1,500,000 £2.74 £4,110,000
02. Oct 18 Buy BlackRock, Inc. Company 01. Oct 18 01. Oct 18 359 £2.78 £997
02. Oct 18 Sell Toscafund Asset Management LLP Company 01. Oct 18 01. Oct 18 -18,500,000 £2.74 £-50,690,004
01. Oct 18 Sell BlackRock, Inc. Company 28. Sep 18 28. Sep 18 -1,852 £2.78 £-5,141
01. Oct 18 Buy BlackRock, Inc. Company 28. Sep 18 28. Sep 18 6,406 £2.78 £17,795
01. Oct 18 Sell Societe Generale Group, Banking Investments Company 28. Sep 18 28. Sep 18 -699 £2.78 £-1,940
01. Oct 18 Buy Societe Generale Group, Banking Investments Company 28. Sep 18 28. Sep 18 1,864 £2.78 £5,177
28. Sep 18 Sell Societe Generale Group, Banking Investments Company 27. Sep 18 27. Sep 18 -951,790 £2.78 £-2,643,334
28. Sep 18 Buy Societe Generale Group, Banking Investments Company 27. Sep 18 27. Sep 18 415,715 £2.78 £1,154,838
28. Sep 18 Sell BlackRock, Inc. Company 27. Sep 18 27. Sep 18 -13,401 £2.78 £-37,201
27. Sep 18 Buy BlackRock, Inc. Company 26. Sep 18 26. Sep 18 718 £2.78 £1,995
27. Sep 18 Sell Societe Generale Group, Banking Investments Company 26. Sep 18 26. Sep 18 -2,476 £2.78 £-6,888
27. Sep 18 Buy Societe Generale Group, Banking Investments Company 26. Sep 18 26. Sep 18 159,341 £2.78 £442,761
25. Sep 18 Buy Societe Generale Group, Banking Investments Company 24. Sep 18 24. Sep 18 12,606 £2.79 £35,104
24. Sep 18 Sell Societe Generale Group, Banking Investments Company 21. Sep 18 21. Sep 18 -1,963 £2.78 £-5,461
24. Sep 18 Buy Societe Generale Group, Banking Investments Company 21. Sep 18 21. Sep 18 43,993 £2.78 £122,345
24. Sep 18 Buy BlackRock, Inc. Company 21. Sep 18 21. Sep 18 359 £2.77 £994
21. Sep 18 Buy Societe Generale Group, Banking Investments Company 20. Sep 18 20. Sep 18 37,111 £2.78 £103,245
20. Sep 18 Buy Societe Generale Group, Banking Investments Company 19. Sep 18 19. Sep 18 12,528 £2.79 £34,944
20. Sep 18 Buy BlackRock, Inc. Company 19. Sep 18 19. Sep 18 300 £2.78 £835
19. Sep 18 Buy Societe Generale Group, Banking Investments Company 18. Sep 18 18. Sep 18 107,947 £2.78 £300,390
18. Sep 18 Buy Societe Generale Group, Banking Investments Company 17. Sep 18 17. Sep 18 1,039 £2.78 £2,893
18. Sep 18 Sell BlackRock, Inc. Company 17. Sep 18 17. Sep 18 -1,436 £2.78 £-3,998
17. Sep 18 Sell BlackRock, Inc. Company 14. Sep 18 14. Sep 18 -718 £2.79 £-2,002
14. Sep 18 Sell Societe Generale Group, Banking Investments Company 13. Sep 18 13. Sep 18 -2,687 £2.78 £-7,481
14. Sep 18 Buy Societe Generale Group, Banking Investments Company 13. Sep 18 13. Sep 18 799 £2.79 £2,226
13. Sep 18 Buy Legal & General Investment Management Limited Company 12. Sep 18 12. Sep 18 3,592 £2.79 £10,011
13. Sep 18 Buy Societe Generale Group, Banking Investments Company 12. Sep 18 12. Sep 18 5,873 £2.79 £16,355
10. Sep 18 Sell Societe Generale Group, Banking Investments Company 07. Sep 18 07. Sep 18 -9,431 £2.79 £-26,294
10. Sep 18 Buy Societe Generale Group, Banking Investments Company 07. Sep 18 07. Sep 18 129 £2.79 £360
07. Sep 18 Buy Societe Generale Group, Banking Investments Company 06. Sep 18 06. Sep 18 766 £2.79 £2,137
06. Sep 18 Buy Societe Generale Group, Banking Investments Company 05. Sep 18 05. Sep 18 2,908 £2.79 £8,100
06. Sep 18 Sell BlackRock, Inc. Company 05. Sep 18 05. Sep 18 -3,774 £2.78 £-10,507
05. Sep 18 Buy Societe Generale Group, Banking Investments Company 04. Sep 18 04. Sep 18 956 £2.78 £2,662
04. Sep 18 Buy Societe Generale Group, Banking Investments Company 03. Sep 18 03. Sep 18 1,798 £2.79 £5,015
03. Sep 18 Buy Societe Generale Group, Banking Investments Company 31. Aug 18 31. Aug 18 2,491 £2.80 £6,965
03. Sep 18 Sell BlackRock, Inc. Company 31. Aug 18 31. Aug 18 -89,671 £2.80 £-250,720
03. Sep 18 Buy BlackRock, Inc. Company 31. Aug 18 31. Aug 18 8,892 £2.80 £24,862
24. Aug 18 Buy BlackRock, Inc. Company 23. Aug 18 23. Aug 18 15,944 £2.78 £44,261
23. Aug 18 Sell Credit Suisse Asset Management (Switzerland) Company 13. Aug 18 13. Aug 18 -500,000 £2.68 £-1,341,500
23. Aug 18 Sell Credit Suisse Asset Management (Switzerland) Company 14. Aug 18 14. Aug 18 -850,000 £2.78 £-2,360,100
23. Aug 18 Sell Credit Suisse, Investment Banking and Securities Investments Company 16. Aug 18 16. Aug 18 -1,000,000 £2.77 £-2,773,200
23. Aug 18 Sell Credit Suisse Asset Management (Switzerland) Company 15. Aug 18 15. Aug 18 -1,000,000 £2.78 £-2,775,500
23. Aug 18 Sell Globeflex Capital, L.P. Company 13. Aug 18 13. Aug 18 -2,876,535 £2.67 £-7,690,129
21. Aug 18 Buy Legal & General Investment Management Limited Company 20. Aug 18 20. Aug 18 66,393 £2.77 £184,048
20. Aug 18 Buy BlackRock, Inc. Company 17. Aug 18 17. Aug 18 359 £2.77 £995
17. Aug 18 Sell BlackRock, Inc. Company 16. Aug 18 16. Aug 18 -3,762 £2.77 £-10,436
16. Aug 18 Sell Schroders plc Company 15. Aug 18 15. Aug 18 -4,417,109 £2.78 £-12,257,250
15. Aug 18 Sell BlackRock, Inc. Company 14. Aug 18 14. Aug 18 -3,064 £2.77 £-8,497
14. Aug 18 Buy BlackRock, Inc. Company 13. Aug 18 13. Aug 18 36,306 £2.68 £97,307
X
Management checks
We assess esure Group'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. esure Group 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.

ESUR News

External News
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Simply Wall St News

esure Group plc (LON:ESUR) Delivered A Better ROE Than Its Industry

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … To keep the lesson grounded in practicality, we'll use ROE to better understand esure Group plc (LON:ESUR). … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

Should You Buy esure Group plc (LON:ESUR) For Its Dividend?

Over the past 5 years, esure Group plc (LON:ESUR) has returned an average of 5.00% per year to shareholders in terms of dividend yield. … Does esure Group tick all the boxes of a great dividend stock? … See our latest analysis for esure Group

Simply Wall St -

Why Fundamental Investors Love esure Group plc (LON:ESUR)

Building up an investment case requires looking at a stock holistically. … Today I've chosen to put the spotlight on esure Group plc (LON:ESUR) due to its excellent fundamentals in more than one area.

Simply Wall St -

How Did esure Group plc's (LON:ESUR) 26.98% ROE Fare Against The Industry?

and want a simplistic look at the return on esure Group plc (LON:ESUR) stock. … esure Group plc (LON:ESUR) delivered an ROE of 26.98% over the past 12 months, which is an impressive feat relative to its industry average of 12.19% during the same period. … Sustainability can be gauged by a company’s financial leverage – the more debt it has, the higher ROE is pumped up in the short term, at the expense of long term interest payment burden

Simply Wall St -

How Do Analysts See esure Group plc (LON:ESUR) Performing In The Years Ahead?

The latest earnings release esure Group plc's (LSE:ESUR) announced in December 2017 confirmed that the company benefited from a robust tailwind, leading to a double-digit earnings growth of 35.13%. … Below, I've laid out key numbers on how market analysts view esure Group's earnings growth trajectory over the next few years and whether the future looks even brighter than the past. … The advantage of this method is that we can get a better picture of the direction of esure Group's earnings trajectory over the long run, irrespective of near term fluctuations, which may be more relevant for long term investors.

Simply Wall St -

Should You Expect esure Group plc (LON:ESUR) To Continue Delivering An ROE Of 26.98%?

See our latest analysis for esure Group Peeling the layers of ROE – trisecting a company’s profitability Return on Equity (ROE) weighs esure Group’s profit against the level of its shareholders’ equity. … Since esure Group’s return covers its cost in excess of 18.68%, its use of equity capital is efficient and likely to be sustainable. … This is called the Dupont Formula: Dupont Formula ROE = profit margin × asset turnover × financial leverage ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = annual net profit ÷ shareholders’ equity LSE:ESUR Last Perf May 10th 18 Basically, profit margin measures how much of revenue trickles down into earnings which illustrates how efficient the business is with its cost management.

Simply Wall St -

Only 3 Days Left To Cash In On esure Group plc (LON:ESUR) Dividend, Is It Worth Buying?

On the 25 May 2018, esure Group plc (LSE:ESUR) will be paying shareholders an upcoming dividend amount of £0.09 per share. … Check out our latest analysis for esure Group 5 questions to ask before buying a dividend stock When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas: Is it paying an annual yield above 75% of dividend payers? … Next Steps: With these dividend metrics in mind, I definitely rank esure Group as a strong income stock, and is worth further research for anyone who considers dividends an important part of their portfolio strategy.

Simply Wall St -

Should You Be Tempted To Buy esure Group plc (LON:ESUR) At Its Current PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for ESUR Price per share = £2.16 Earnings per share = £0.192 ∴ Price-Earnings Ratio = £2.16 ÷ £0.192 = 11.3x On its own, the P/E ratio doesn’t tell you much; however, it becomes extremely useful when you compare it with other similar companies. … For example, if you inadvertently compared lower risk firms with ESUR, then investors would naturally value ESUR at a lower price since it is a riskier investment. … Similarly, if you accidentally compared higher growth firms with ESUR, investors would also value ESUR at a lower price since it is a lower growth investment.

Simply Wall St -

Does esure Group plc's (LON:ESUR) 35.13% Earnings Growth Make It An Outperformer?

When esure Group plc (LSE:ESUR) announced its most recent earnings (31 December 2017), I compared it against two factor: its historical earnings track record, and the performance of its industry peers on average. … View our latest analysis for esure Group How ESUR fared against its long-term earnings performance and its industry I like to use data from the most recent 12 months, which annualizes the latest 6-month earnings release, or some times, the latest annual report is already the most recent financial data. … Since these figures may be relatively nearsighted, I’ve computed an annualized five-year figure for esure Group's earnings, which stands at UK£77.56M This suggests that, generally, esure Group has been able to consistently raise its bottom line over the last few years as well.

Simply Wall St -

Who Are The Major Shareholders Of esure Group plc (LON:ESUR)?

In this article, I'm going to take a look at esure Group plc’s (LSE:ESUR) latest ownership structure, a non-fundamental factor which is important, but remains a less discussed subject among investors. … The impact of a company's ownership structure affects both its short- and long-term performance. … Insider Ownership Insiders form another group of important ownership types as they manage the company's operations and decide the best use of capital.

Simply Wall St -

ESUR Company Info

Map
Description

esure Group plc, through its subsidiaries, provides general insurance products in the United Kingdom. The company offers motor and home insurance products under the esure and Sheilas’ Wheels brands. It is also involved in insurance intermediary, property investment, and administration and management activities. The company was founded in 2000 and is headquartered in Reigate, the United Kingdom.

Details
Name: esure Group plc
ESUR
Exchange: LSE
Founded: 2000
£1,173,400,350
419,671,084
Website: http://www.esuregroup.com
Address: esure Group plc
The Observatory,
Castlefield Road,
Reigate,
Surrey, RH2 0SG,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE ESUR New Ordinary Shares London Stock Exchange GB GBP 22. Mar 2013
DB 5EG New Ordinary Shares Deutsche Boerse AG DE EUR 22. Mar 2013
BATS-CHIXE ESURL New Ordinary Shares BATS 'Chi-X Europe' GB GBP 22. Mar 2013
Number of employees
Current staff
Staff numbers
1,851
esure Group employees.
Industry
Property and Casualty Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2018/12/19 22:07
End of day share price update: 2018/12/18 00:00
Last estimates confirmation: 2018/12/19
Last earnings filing: 2018/08/14
Last earnings reported: 2018/06/30
Last annual earnings reported: 2017/12/31


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.