GHL

Guardian Holdings JMSE:GHL Stock Report

Last Price

TT$520.00

Market Cap

TT$137.3b

7D

0%

1Y

n/a

Updated

20 Apr, 2022

Data

Company Financials
GHL fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health4/6
Dividends3/6

GHL Stock Overview

Guardian Holdings Limited, together with its subsidiaries, underwrites various insurance products in Trinidad and Tobago and internationally.

Price History & Performance

Summary of all time highs, changes and price drops for Guardian Holdings
Historical stock prices
Current Share PriceTT$520.00
52 Week HighTT$900.00
52 Week LowTT$500.01
Beta0.49
1 Month Change-1.52%
3 Month Change0%
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO65.08%

Recent News & Updates

Shareholder Returns

GHLJM InsuranceJM Market
7D0%-0.2%1.9%
1Yn/a13.2%6.1%

Return vs Industry: Insufficient data to determine how GHL performed against the JM Insurance industry.

Return vs Market: Insufficient data to determine how GHL performed against the JM Market.

Price Volatility

Is GHL's price volatile compared to industry and market?
GHL volatility
GHL Average Weekly Movement6.1%
Insurance Industry Average Movement4.4%
Market Average Movement9.5%
10% most volatile stocks in JM Market16.2%
10% least volatile stocks in JM Market5.6%

Stable Share Price: GHL is less volatile than 75% of JM stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: GHL's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1982n/aRavi Tewarihttps://trinidad.myguardiangroup.com/companies/guardian-holdings-limited

Guardian Holdings Limited, together with its subsidiaries, underwrites various insurance products in Trinidad and Tobago and internationally. It offers life, health, property, and casualty insurance products, as well as pensions and asset management services. The company also provides insurance brokerage and property development services.

Guardian Holdings Fundamentals Summary

How do Guardian Holdings's earnings and revenue compare to its market cap?
GHL fundamental statistics
Market CapTT$6.10b
Earnings (TTM)TT$782.33m
Revenue (TTM)TT$6.62b

7.8x

P/E Ratio

0.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
GHL income statement (TTM)
RevenueTT$6.62b
Cost of RevenueTT$4.09b
Gross ProfitTT$2.53b
Other ExpensesTT$1.75b
EarningsTT$782.33m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)3.37
Gross Margin38.21%
Net Profit Margin11.81%
Debt/Equity Ratio70.7%

How did GHL perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

21%

Payout Ratio

Valuation

Is Guardian Holdings undervalued compared to its fair value and its price relative to the market?

7.8x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: GHL (JMD520) is trading above our estimate of fair value (JMD497.53)

Significantly Below Fair Value: GHL is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: GHL is good value based on its PE Ratio (7.8x) compared to the JM Insurance industry average (13.5x).

PE vs Market: GHL is good value based on its PE Ratio (7.8x) compared to the JM market (19.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate GHL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: GHL is good value based on its PB Ratio (1.2x) compared to the JM Insurance industry average (1.9x).


Future Growth

How is Guardian Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

16.7%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Guardian Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Guardian Holdings performed over the past 5 years?

16.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GHL has a high level of non-cash earnings.

Growing Profit Margin: GHL's current net profit margins (11.8%) are lower than last year (13.1%).


Past Earnings Growth Analysis

Earnings Trend: GHL's earnings have grown by 16.8% per year over the past 5 years.

Accelerating Growth: GHL's earnings growth over the past year (1%) is below its 5-year average (16.8% per year).

Earnings vs Industry: GHL earnings growth over the past year (1%) exceeded the Insurance industry -3.7%.


Return on Equity

High ROE: GHL's Return on Equity (15.8%) is considered low.


Financial Health

How is Guardian Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: GHL's short term assets (TTD6.2B) exceed its short term liabilities (TTD5.9B).

Long Term Liabilities: GHL's short term assets (TTD6.2B) do not cover its long term liabilities (TTD23.7B).


Debt to Equity History and Analysis

Debt Level: GHL has more cash than its total debt.

Reducing Debt: GHL's debt to equity ratio has reduced from 70.8% to 70.7% over the past 5 years.

Debt Coverage: GHL's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: GHL's interest payments on its debt are well covered by EBIT (5.2x coverage).


Balance Sheet


Dividend

What is Guardian Holdings's current dividend yield, its reliability and sustainability?

2.66%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: GHL's dividend (2.66%) is higher than the bottom 25% of dividend payers in the JM market (1.15%).

High Dividend: GHL's dividend (2.66%) is low compared to the top 25% of dividend payers in the JM market (3.08%).


Stability and Growth of Payments

Stable Dividend: GHL's dividend payments have been volatile in the past 10 years.

Growing Dividend: GHL's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: With its low payout ratio (20.8%), GHL's dividend payments are well covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: GHL is paying a dividend but the company has no free cash flows.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.4yrs

Average management tenure


CEO

Ravi Tewari

8.25yrs

Tenure

Mr. Ravi Tewari has been Group Chief Executive Officer of Guardian Holdings Limited since January 1, 2014 and served as its Group President of Life, Health & Pension until March 21, 2017. Mr. Tewari has be...


Leadership Team

Experienced Management: GHL's management team is considered experienced (3.4 years average tenure).


Board Members

Experienced Board: GHL's board of directors are considered experienced (5.1 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Guardian Holdings Limited's employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Guardian Holdings Limited
  • 1 Guardian Drive
  • Westmoorings
  • Diego Martin
  • Trinidad & Tobago

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/04/20 00:00
End of Day Share Price2022/04/19 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.