LSI

LifeStar Insurance MTSE:LSI Stock Report

Last Price

€0.45

Market Cap

€29.2m

7D

0%

1Y

n/a

Updated

15 May, 2022

Data

Company Financials
LSI fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends0/6

LSI Stock Overview

LifeStar Insurance plc provides life insurance products in Malta.

LifeStar Insurance Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for LifeStar Insurance
Historical stock prices
Current Share Price€0.45
52 Week High€0.50
52 Week Low€0.44
Beta0
1 Month Change0%
3 Month Changen/a
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO-10.00%

Recent News & Updates

Shareholder Returns

LSIMT InsuranceMT Market
7D0%2.0%-1.9%
1Yn/a-4.1%-5.8%

Return vs Industry: Insufficient data to determine how LSI performed against the MT Insurance industry.

Return vs Market: Insufficient data to determine how LSI performed against the MT Market.

Price Volatility

Is LSI's price volatile compared to industry and market?
LSI volatility
LSI Average Weekly Movementn/a
Insurance Industry Average Movement4.8%
Market Average Movement6.5%
10% most volatile stocks in MT Market11.9%
10% least volatile stocks in MT Market3.6%

Stable Share Price: Insufficient data to determine LSI's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine LSI's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2001n/aCristina Casingenahttps://www.lifestarinsurance.com

LifeStar Insurance plc provides life insurance products in Malta. It offers single premium and regular premium interest-sensitive saving products, unit-linked insurance-based investment products, and pension products, as well as level and decreasing term, critical illness, and group life policies. The company also acts as an insurance agent for sickness insurance.

LifeStar Insurance Fundamentals Summary

How do LifeStar Insurance's earnings and revenue compare to its market cap?
LSI fundamental statistics
Market Cap€29.17m
Earnings (TTM)€544.72k
Revenue (TTM)€13.71m

53.6x

P/E Ratio

2.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
LSI income statement (TTM)
Revenue€13.71m
Cost of Revenue€6.97m
Gross Profit€6.74m
Other Expenses€6.20m
Earnings€544.72k

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.0084
Gross Margin49.19%
Net Profit Margin3.97%
Debt/Equity Ratio6.5%

How did LSI perform over the long term?

See historical performance and comparison

Valuation

Is LifeStar Insurance undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: LSI (€0.45) is trading below our estimate of fair value (€1.41)

Significantly Below Fair Value: LSI is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: LSI is poor value based on its PE Ratio (53.6x) compared to the European Insurance industry average (10.8x).

PE vs Market: LSI is poor value based on its PE Ratio (53.6x) compared to the MT market (24.8x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: LSI is good value based on its PB Ratio (0.9x) compared to the XE Insurance industry average (1x).


Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


8.5%

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 LifeStar 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.


Past Performance

How has LifeStar Insurance performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


74.2%

Last years earnings growth

Earnings and Revenue History

Quality Earnings: LSI has high quality earnings.

Growing Profit Margin: LSI's current net profit margins (4%) are higher than last year (2%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if LSI's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare LSI's past year earnings growth to its 5-year average.

Earnings vs Industry: LSI earnings growth over the past year (74.2%) exceeded the Insurance industry 24.4%.


Return on Equity

High ROE: LSI's Return on Equity (1.7%) is considered low.


Financial Health

How is LifeStar Insurance's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: LSI's short term assets (€46.8M) exceed its short term liabilities (€2.3M).

Long Term Liabilities: LSI's short term assets (€46.8M) do not cover its long term liabilities (€137.5M).


Debt to Equity History and Analysis

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

Reducing Debt: Insufficient data to determine if LSI's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: LSI's debt is well covered by operating cash flow (331.2%).

Interest Coverage: LSI's interest payments on its debt are well covered by EBIT (12.9x coverage).


Balance Sheet


Dividend

What is LifeStar Insurance current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend 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 LSI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate LSI'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 LSI's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if LSI's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as LSI has not reported any payouts.


Next Steps

Management

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

5.0yrs

Average board tenure


CEO

Cristina Casingena

no data

Tenure

Mrs. Cristina Maria Casingena serves as Chief Executive Officer of LifeStar Insurance Limited. She has been Chief Executive Officer at LifeStar Insurance plc and serves as its Executive Director since Sept...


Board Members

Experienced Board: LSI's board of directors are considered experienced (5 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: LSI only recently listed within the past 12 months.


Top Shareholders

Company Information

LifeStar Insurance plc's employee growth, exchange listings and data sources


Key Information

  • Name: LifeStar Insurance plc
  • Ticker: LSI
  • Exchange: MTSE
  • Founded: 2001
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Implied Market Cap: €29.167m
  • Shares outstanding: 64.81m
  • Website: https://www.lifestarinsurance.com

Location

  • LifeStar Insurance plc
  • Testaferrata Street
  • Ta' Xbiex
  • 1403
  • Malta

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/15 00:00
End of Day Share Price2022/04/25 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.