LSE:ESUR

Stock Analysis Report

Executive Summary

esure Group plc, through its subsidiaries, provides general insurance products in the United Kingdom.

Snowflake

Fundamentals

Proven track record with reasonable growth potential.


Similar Companies

Share Price & News

How has esure Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

ESUR

0.9%

GB Insurance

-0.4%

GB Market


1 Year Return

8.5%

ESUR

2.7%

GB Insurance

2.9%

GB Market


Shareholder returns

ESURIndustryMarket
7 Day0%0.9%-0.4%
30 Day0%2.7%-1.4%
90 Day0.5%-6.1%-2.1%
1 Year13.4%8.5%7.8%2.7%7.9%2.9%
3 Year82.4%13.3%23.5%6.2%18.0%3.6%
5 Year111.1%13.7%39.3%9.9%35.8%6.4%

Price Volatility Vs. Market

How volatile is esure Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is esure Group undervalued compared to its fair value and its price relative to the market?

15.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Information is not available.

Information is not available.


Price To Earnings Ratio

Information is not available.

Information is not available.


Price to Earnings Growth Ratio

Information is not available.


Price to Book Ratio

Information is not available.


Next Steps

Future Growth

How is esure Group forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

14.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Information is not available.

Information is not available.

High Growth Earnings: ESUR's earnings are forecast to grow, but not significantly.

Information is not available.

Information is not available.


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has esure Group performed over the past 5 years?

-10.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

Information is not available.

Information is not available.


Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is esure Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: ESUR's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if ESUR has a sufficient allowance for bad loans.

Low Risk Liabilities: ESUR reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if ESUR has an acceptable proportion of non-loan assets held.

Low Risk Deposits: ESUR has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if ESUR has an appropriate level of bad loans.


Next Steps

Dividend

What is esure Group's current dividend yield, its reliability and sustainability?

5.59%

Forecast Dividend Yield


Dividend Yield vs Market

company0%marketbottom25%2.0%markettop25%5.4%industryaverage4.9%forecastin3Years5.6%

Current dividend yield vs market & industry


Stability and Growth of Payments

Information is not available.

Information is not available.

Stable Dividend: Insufficient data to determine if ESUR's dividends per share have been stable in the past.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of esure Group's salary, the management and board of directors tenure and is there insider trading?

4.2yrs

Average management tenure


CEO

Darren Ogden 0

0.9yrs

Tenure

UK£904,390

Compensation

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  ...


CEO Compensation Analysis

Information is not available.

Information is not available.


Management Age and Tenure

4.2yrs

Average Tenure

Information is not available.


Board Age and Tenure

3.3yrs

Average Tenure

57.5yo

Average Age

Information is not available.


Insider Trading

Information is not available.


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Ownership Breakdown


Management Team

  • Peter Wood

    Chairman of the Board

    • Tenure: 18.8yrs
    • Compensation: UK£796.38k
  • Emma Banks

    Head of Corporate Communications

    • Tenure: 0yrs
  • Darren Ogden

    Interim CEO & Director

    • Tenure: 0.9yrs
    • Compensation: UK£904.39k
  • Darren Boland

    Chief Risk Officer

    • Tenure: 5.2yrs
  • Jon Wilshire

    Chief Underwriting Officer

    • Tenure: 5.9yrs
  • David Pitt

    Chief Operating Officer

    • Tenure: 4.2yrs
  • Helen Taylor

    HR Director

    • Tenure: 4.3yrs
  • Chris Wensley

    Head of Investor Relations & Corporate Strategy

    • Tenure: 0yrs
  • Graham Bolton

    Chief Technology Officer

    • Tenure: 0.9yrs
  • Steve Long

    Interim Chief Financial Officer

    • Tenure: 0.9yrs

Board Members

  • Peter Wood

    Chairman of the Board

    • Tenure: 18.8yrs
    • Compensation: UK£796.38k
  • Alan Rubenstein (62yo)

    Non-Executive Director

    • Tenure: 1.8yrs
    • Compensation: UK£55.39k
  • Shirley Garrood

    Deputy Chairman & Senior Independent Director

    • Tenure: 3.3yrs
    • Compensation: UK£138.00k
  • Martin St. Pike (56yo)

    Non-Executive Director

    • Tenure: 3.3yrs
    • Compensation: UK£85.00k
  • Angela Seymour-Jackson (52yo)

    Non-Executive Director

    • Tenure: 3.2yrs
    • Compensation: UK£70.00k
  • Darren Ogden

    Interim CEO & Director

    • Tenure: 0.9yrs
    • Compensation: UK£904.39k
  • Peter Shaw (59yo)

    Non-Executive Director

    • Tenure: 1.8yrs
    • Compensation: UK£67.33k
  • Nick Hugh

    Non-Executive Director

    • Tenure: 0.5yrs

Company Information

esure Group plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: esure Group plc
  • Ticker: ESUR
  • Exchange: LSE
  • Founded: 2000
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Market Cap: UK£1.173b
  • Shares outstanding: 419.67m
  • Website: https://www.esuregroup.com

Number of Employees


Location

  • esure Group plc
  • The Observatory
  • Castlefield Road
  • Reigate
  • Surrey
  • RH2 0SG
  • United Kingdom

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ESURLSE (London Stock Exchange)YesNew Ordinary SharesGBGBPMar 2013
ESURLBATS-CHIXE (BATS 'Chi-X Europe')YesNew Ordinary SharesGBGBPMar 2013
5EGDB (Deutsche Boerse AG)YesNew Ordinary SharesDEEURMar 2013

Biography

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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/19 22:08
End of Day Share Price2018/12/18 00:00
Earnings2018/06/30
Annual Earnings2017/12/31


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.