Agma SA engages in the insurance and reinsurance consulting and brokerage business in Morocco.
Price History & Performance
|Historical stock prices|
|Current Share Price||د.م4,500.00|
|52 Week High||د.م3,200.00|
|52 Week Low||د.م4,614.00|
|1 Month Change||7.63%|
|3 Month Change||1.53%|
|1 Year Change||40.58%|
|3 Year Change||55.17%|
|5 Year Change||98.68%|
|Change since IPO||123.66%|
Recent News & Updates
|AGM||MA Insurance||MA Market|
Return vs Industry: AGM exceeded the MA Insurance industry which returned 27.6% over the past year.
Return vs Market: AGM exceeded the MA Market which returned 24.4% over the past year.
Stable Share Price: Insufficient data to determine AGM's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine AGM's volatility change over the past year.
About the Company
Agma SA engages in the insurance and reinsurance consulting and brokerage business in Morocco. The company offers automobile, death, disability, illness, accident, travel assistance, and retirement insurance products for individuals. It also provides industrial multi-risk, fire/explosions, machinery breakdown, water damage, flight, and icebreakers and signs insurance products; professional and school liability, and civil liability corporate officers insurance products; operating losses, transported goods, credit, and cyber security insurance products; and all risks site and assembly insurance products.
Agma Fundamentals Summary
|AGM fundamental statistics|
Is AGM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AGM income statement (TTM)|
|Cost of Revenue||د.م45.97m|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||250.78|
|Net Profit Margin||38.41%|
How did AGM perform over the long term?See historical performance and comparison
5.2%Current Dividend Yield
Is Agma undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AGM (MAD4500) is trading above our estimate of fair value (MAD1697.8)
Significantly Below Fair Value: AGM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AGM is poor value based on its PE Ratio (17.9x) compared to the MA Insurance industry average (16.4x).
PE vs Market: AGM is good value based on its PE Ratio (17.9x) compared to the MA market (27x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AGM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: AGM is overvalued based on its PB Ratio (7.5x) compared to the MA Insurance industry average (3.5x).
How is Agma forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Agma 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.
How has Agma performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AGM has high quality earnings.
Growing Profit Margin: AGM's current net profit margins (38.4%) are higher than last year (37.6%).
Past Earnings Growth Analysis
Earnings Trend: AGM's earnings have grown by 7.5% per year over the past 5 years.
Accelerating Growth: AGM's earnings growth over the past year (4.4%) is below its 5-year average (7.5% per year).
Earnings vs Industry: AGM earnings growth over the past year (4.4%) underperformed the Insurance industry 26.8%.
Return on Equity
High ROE: AGM's Return on Equity (41.9%) is considered outstanding.
How is Agma's financial position?
Financial Position Analysis
Short Term Liabilities: AGM's short term assets (MAD98.0M) do not cover its short term liabilities (MAD140.5M).
Long Term Liabilities: AGM's short term assets (MAD98.0M) do not cover its long term liabilities (MAD102.0M).
Debt to Equity History and Analysis
Debt Level: AGM is debt free.
Reducing Debt: AGM has no debt compared to 5 years ago when its debt to equity ratio was 5.5%.
Debt Coverage: AGM has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: AGM has no debt, therefore coverage of interest payments is not a concern.
What is Agma current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AGM's dividend (5.22%) is higher than the bottom 25% of dividend payers in the MA market (2.24%).
High Dividend: AGM's dividend (5.22%) is in the top 25% of dividend payers in the MA market (4.88%)
Stability and Growth of Payments
Stable Dividend: AGM's dividends per share have been stable in the past 10 years.
Growing Dividend: AGM's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ms. Rachida Benabdallah serves as Chairman of the Board and Chief Executive Officer of Agma S.A.
Experienced Board: AGM's board of directors are not considered experienced ( 2.1 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.
Agma SA's employee growth, exchange listings and data sources
- Name: Agma SA
- Ticker: AGM
- Exchange: CBSE
- Founded: 1965
- Industry: Insurance Brokers
- Sector: Insurance
- Market Cap: د.م900.000m
- Shares outstanding: 200.00k
- Website: https://www.agma.ma
Number of Employees
- Agma SA
- 102, rue Abderrahmane Sahraoui
- 20 070
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/14 21:23|
|End of Day Share Price||2021/10/14 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.