| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
KEY Stock Overview
Key Insurance Company Limited operates as a general insurance company in Jamaica.
Key Insurance Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | JA$4.00 |
| 52 Week High | JA$5.30 |
| 52 Week Low | JA$3.57 |
| Beta | 1.6 |
| 1 Month Change | 1.01% |
| 3 Month Change | -11.11% |
| 1 Year Change | -21.57% |
| 3 Year Change | 19.40% |
| 5 Year Change | 31.15% |
| Change since IPO | 70.21% |
Recent News & Updates
Shareholder Returns
| KEY | JM Insurance | JM Market | |
|---|---|---|---|
| 7D | 5.3% | 0.3% | 0.5% |
| 1Y | -21.6% | -3.6% | -2.9% |
Return vs Industry: KEY underperformed the JM Insurance industry which returned -1.9% over the past year.
Return vs Market: KEY underperformed the JM Market which returned -2.7% over the past year.
Price Volatility
| KEY volatility | |
|---|---|
| KEY Average Weekly Movement | 11.5% |
| Insurance Industry Average Movement | 4.0% |
| Market Average Movement | 9.4% |
| 10% most volatile stocks in JM Market | 15.9% |
| 10% least volatile stocks in JM Market | 5.3% |
Stable Share Price: KEY is not significantly more volatile than the rest of JM stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: KEY's weekly volatility (12%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1982 | n/a | n/a | https://www.keyinsurancejm.com |
Key Insurance Company Limited operates as a general insurance company in Jamaica. The company operates in Motor and Non-Motor segments. It offers motor, commercial and personal property, casualty, liability, engineering, travel, and personal and miscellaneous accident insurance products.
Key Insurance Fundamentals Summary
| KEY fundamental statistics | |
|---|---|
| Market Cap | JA$2.24b |
| Earnings (TTM) | JA$161.91m |
| Revenue (TTM) | JA$1.45b |
13.8x
P/E Ratio1.5x
P/S RatioIs KEY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KEY income statement (TTM) | |
|---|---|
| Revenue | JA$1.45b |
| Cost of Revenue | JA$734.58m |
| Gross Profit | JA$718.90m |
| Other Expenses | JA$556.99m |
| Earnings | JA$161.91m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.29 |
| Gross Margin | 49.46% |
| Net Profit Margin | 11.14% |
| Debt/Equity Ratio | 0% |
How did KEY perform over the long term?
See historical performance and comparisonValuation
Is KEY undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for KEY?
Other financial metrics that can be useful for relative valuation.
| What is KEY's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | JA$2.24b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 0.5x |
| Enterprise Value/EBITDA | 3.2x |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does KEY's PE Ratio compare to its peers?
| KEY PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 11.9x | ||
GENAC General Accident Insurance Company Jamaica | 12.5x | n/a | JA$6.2b |
ROC Ironrock Insurance | 13.5x | n/a | JA$704.1m |
CABROKERS Caribbean Assurance Brokers | 9.3x | n/a | JA$611.6m |
GLOBALINS Global Insurance | 12.4x | n/a | ৳1.5b |
KEY Key Insurance | 13.8x | n/a | JA$2.2b |
Price-To-Earnings vs Peers: KEY is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the peer average (11.9x).
Price to Earnings Ratio vs Industry
How does KEY's PE Ratio compare vs other companies in the South American Insurance Industry?
Price-To-Earnings vs Industry: KEY is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the JM Insurance industry average (12.5x)
Price to Earnings Ratio vs Fair Ratio
What is KEY'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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 13.8x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate KEY's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of KEY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate KEY's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate KEY's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate KEY's PEG Ratio to determine if it is good value.
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Future Growth
How is Key Insurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
13.7%
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 Key Insurance 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.
Discover growth companies
- Check out Key Insurance's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
Past Performance
How has Key Insurance performed over the past 5 years?
Past Performance Score
5/6Past Performance Score 5/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
1.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KEY has high quality earnings.
Growing Profit Margin: KEY's current net profit margins (11.1%) are higher than last year (3.7%).
Past Earnings Growth Analysis
Earnings Trend: KEY has become profitable over the past 5 years, growing earnings by 1% per year.
Accelerating Growth: KEY's earnings growth over the past year (307.6%) exceeds its 5-year average (1% per year).
Earnings vs Industry: KEY earnings growth over the past year (307.6%) exceeded the Insurance industry 132.5%.
Return on Equity
High ROE: KEY's Return on Equity (15.1%) is considered low.
Discover strong past performing companies
Financial Health
How is Key Insurance's financial position?
Financial Health Score
5/6Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: KEY's short term assets (JMD3.1B) do not cover its short term liabilities (JMD3.2B).
Long Term Liabilities: KEY's short term assets (JMD3.1B) exceed its long term liabilities (JMD265.7M).
Debt to Equity History and Analysis
Debt Level: KEY is debt free.
Reducing Debt: KEY has no debt compared to 5 years ago when its debt to equity ratio was 0.3%.
Debt Coverage: KEY has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: KEY has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
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Dividend
What is Key Insurance current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate KEY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate KEY's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if KEY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if KEY's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: KEY is not paying a notable dividend for the JM market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as KEY has not reported any payouts.
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Management
How experienced are the management team and are they aligned to shareholders interests?
2.3yrs
Average management tenure
CEO
Key Insurance has no CEO, or we have no data on them.
Leadership Team
Experienced Management: KEY's management team is considered experienced (2.3 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
Key Insurance Company Limited's employee growth, exchange listings and data sources
Key Information
- Name: Key Insurance Company Limited
- Ticker: KEY
- Exchange: JMSE
- Founded: 1982
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: JA$2.237b
- Shares outstanding: 559.32m
- Website: https://www.keyinsurancejm.com
Number of Employees
Location
- Key Insurance Company Limited
- 6C Half-Way-Tree Road
- Kingston
- 5
- Jamaica
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/29 00:00 |
| End of Day Share Price | 2022/06/24 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.