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ATL

AtlantaSanad Société AnonymeCBSE:ATL Stock Report

Market Cap

د.م7.0b

7D

-0.8%

1Y

46.1%

Updated

21 Oct, 2021

Data

Company Financials
ATL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends3/6

ATL Overview

AtlantaSanad Société Anonyme provides various insurance products for individuals, professionals, and corporates primarily in Morocco.

Price History & Performance

Summary of all time highs, changes and price drops for AtlantaSanad Société Anonyme
Historical stock prices
Current Share Priceد.م116.80
52 Week Highد.م77.00
52 Week Lowد.م119.00
Beta0.49
1 Month Change16.80%
3 Month Change25.61%
1 Year Change46.09%
3 Year Change88.72%
5 Year Change144.35%
Change since IPO-39.51%

Recent News & Updates

Shareholder Returns

ATLMA InsuranceMA Market
7D-0.8%1.0%0.06%
1Y46.1%25.3%25.5%

Return vs Industry: ATL exceeded the MA Insurance industry which returned 27.3% over the past year.

Return vs Market: ATL exceeded the MA Market which returned 26.2% over the past year.

Price Volatility

Is ATL's price volatile compared to industry and market?
ATL volatility
ATL Beta0.49
Industry Beta0.81
Market Beta1

Stable Share Price: ATL is not significantly more volatile than the rest of MA stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: ATL's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1947630Mohamed Bensalahhttps://www.atlanta.ma

AtlantaSanad Société Anonyme provides various insurance products for individuals, professionals, and corporates primarily in Morocco. The company offers automotive, housing multi-risk, savings, foresight, health, individual accident, personal, professional multi-risk, work accident, civil liability, transportation, technical and miscellaneous risks, life and health, and property and liability insurance products. The company was formerly known as Compagnie d'Assurances et de Réassurance ATLANTA.

AtlantaSanad Société Anonyme Fundamentals Summary

How do AtlantaSanad Société Anonyme's earnings and revenue compare to its market cap?
ATL fundamental statistics
Market Capد.م7.04b
Earnings (TTM)د.م472.13m
Revenue (TTM)د.م5.06b

14.9x

P/E Ratio

1.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ATL income statement (TTM)
Revenueد.م5.06b
Cost of Revenueد.م3.15b
Gross Profitد.م1.91b
Expensesد.م1.44b
Earningsد.م472.13m

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)7.83
Gross Margin37.74%
Net Profit Margin9.32%
Debt/Equity Ratio22.2%

How did ATL perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

57%

Payout Ratio

Valuation

Is AtlantaSanad Société Anonyme undervalued compared to its fair value and its price relative to the market?

14.91x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: ATL (MAD116.8) is trading above our estimate of fair value (MAD24.11)

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


Price To Earnings Ratio

PE vs Industry: ATL is good value based on its PE Ratio (14.9x) compared to the MA Insurance industry average (16.8x).

PE vs Market: ATL is good value based on its PE Ratio (14.9x) compared to the MA market (26.8x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: ATL's PB Ratio (3.6x) is in line with the MA Insurance industry average.


Future Growth

How is AtlantaSanad Société Anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

27.0%

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 AtlantaSanad Société Anonyme 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 AtlantaSanad Société Anonyme performed over the past 5 years?

24.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: ATL has high quality earnings.

Growing Profit Margin: ATL's current net profit margins (9.3%) are higher than last year (7.4%).


Past Earnings Growth Analysis

Earnings Trend: ATL's earnings have grown significantly by 24% per year over the past 5 years.

Accelerating Growth: ATL's earnings growth over the past year (26.8%) exceeds its 5-year average (24% per year).

Earnings vs Industry: ATL earnings growth over the past year (26.8%) underperformed the Insurance industry 26.8%.


Return on Equity

High ROE: ATL's Return on Equity (24.1%) is considered high.


Financial Health

How is AtlantaSanad Société Anonyme's financial position?


Financial Position Analysis

Short Term Liabilities: ATL's short term assets (MAD6.0B) exceed its short term liabilities (MAD2.4B).

Long Term Liabilities: ATL's short term assets (MAD6.0B) do not cover its long term liabilities (MAD14.2B).


Debt to Equity History and Analysis

Debt Level: ATL's debt to equity ratio (22.2%) is considered satisfactory.

Reducing Debt: ATL's debt to equity ratio has increased from 13% to 22.2% over the past 5 years.

Debt Coverage: ATL's debt is well covered by operating cash flow (190%).

Interest Coverage: Insufficient data to determine if ATL's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is AtlantaSanad Société Anonyme current dividend yield, its reliability and sustainability?

3.85%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: ATL's dividend (3.85%) is higher than the bottom 25% of dividend payers in the MA market (2.22%).

High Dividend: ATL's dividend (3.85%) is low compared to the top 25% of dividend payers in the MA market (4.86%).


Stability and Growth of Payments

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

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


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (57.5%), ATL's 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.


Next Steps

Management

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

8.8yrs

Average management tenure


CEO

Mohamed Bensalah

no data

Tenure

Mr. Mohamed Hassan Bensalah serves as the Managing Director and Chief Executive Officer of AtlantaSanad Société Anonyme SA. Mr. Bensalah serves as Member of the Supervisory Board at Mutandis SCA. Mr. Bensa...


Leadership Team

Experienced Management: ATL's management team is seasoned and experienced (8.8 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

AtlantaSanad Société Anonyme's employee growth, exchange listings and data sources


Key Information

  • Name: AtlantaSanad Société Anonyme
  • Ticker: ATL
  • Exchange: CBSE
  • Founded: 1947
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: د.م7.041b
  • Shares outstanding: 60.28m
  • Website: https://www.atlanta.ma

Number of Employees


Location

  • AtlantaSanad Société Anonyme
  • 181, Boulevard d’Anfa
  • Casablanca
  • 20 050
  • Morocco

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/21 21:01
End of Day Share Price2021/10/21 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.