CENI Stock Overview
Century Insurance Company Limited provides general insurance products and services to individuals, and local and multinational companies in Pakistan.
Century Insurance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||PK₨18.30|
|52 Week High||PK₨24.45|
|52 Week Low||PK₨15.50|
|1 Month Change||-20.75%|
|3 Month Change||6.23%|
|1 Year Change||4.35%|
|3 Year Change||5.95%|
|5 Year Change||-27.98%|
|Change since IPO||395.09%|
Recent News & Updates
|CENI||PK Insurance||PK Market|
Return vs Industry: CENI exceeded the PK Insurance industry which returned -22.3% over the past year.
Return vs Market: CENI exceeded the PK Market which returned -9.9% over the past year.
|CENI Average Weekly Movement||8.5%|
|Insurance Industry Average Movement||6.1%|
|Market Average Movement||5.8%|
|10% most volatile stocks in PK Market||8.8%|
|10% least volatile stocks in PK Market||3.6%|
Stable Share Price: CENI is more volatile than 75% of PK stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: CENI's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of PK stocks.
About the Company
Century Insurance Company Limited provides general insurance products and services to individuals, and local and multinational companies in Pakistan. It operates through five segments: Fire, Marine, Motor, Accident and Health, and Miscellaneous. The Fire segment covers damages caused by fire, riot and strike, explosion, earthquake, atmospheric damage, flood, electric fluctuation, and terrorism.
Century Insurance Fundamentals Summary
|CENI fundamental statistics|
Is CENI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CENI income statement (TTM)|
|Cost of Revenue||PK₨520.28m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||4.76|
|Net Profit Margin||23.75%|
How did CENI perform over the long term?See historical performance and comparison
11.2%Current Dividend Yield
Is Century Insurance undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CENI (PKR18.3) is trading above our estimate of fair value (PKR8.88)
Significantly Below Fair Value: CENI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CENI is good value based on its PE Ratio (3.8x) compared to the PK Insurance industry average (6.6x).
PE vs Market: CENI is good value based on its PE Ratio (3.8x) compared to the PK market (5.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CENI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CENI is good value based on its PB Ratio (0.4x) compared to the PK Insurance industry average (0.6x).
How is Century Insurance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Century 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.
How has Century Insurance performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CENI has high quality earnings.
Growing Profit Margin: CENI's current net profit margins (23.7%) are lower than last year (27.3%).
Past Earnings Growth Analysis
Earnings Trend: CENI's earnings have grown by 18.1% per year over the past 5 years.
Accelerating Growth: CENI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CENI had negative earnings growth (-4.8%) over the past year, making it difficult to compare to the Insurance industry average (-1.4%).
Return on Equity
High ROE: CENI's Return on Equity (11.3%) is considered low.
How is Century Insurance's financial position?
Financial Health Score6/6
Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CENI's short term assets (PKR1.8B) exceed its short term liabilities (PKR1.6B).
Long Term Liabilities: CENI's short term assets (PKR1.8B) exceed its long term liabilities (PKR151.2M).
Debt to Equity History and Analysis
Debt Level: CENI is debt free.
Reducing Debt: CENI has not had any debt for past 5 years.
Debt Coverage: CENI has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: CENI has no debt, therefore coverage of interest payments is not a concern.
What is Century Insurance current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CENI's dividend (11.18%) is higher than the bottom 25% of dividend payers in the PK market (3.66%).
High Dividend: CENI's dividend (11.18%) is in the top 25% of dividend payers in the PK market (10.86%)
Stability and Growth of Payments
Stable Dividend: CENI's dividend payments have been volatile in the past 10 years.
Growing Dividend: CENI's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (43%), CENI's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its high cash payout ratio (95.6%), CENI's dividend payments are not well covered by cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Mohammad Hussain Hirji has been the Chief Executive Officer at Century Insurance Co. Ltd. since September 14, 2010 and its Executive Director since September 14, 2010. Mr. Hijri serves as Head of Opera...
CEO Compensation Analysis
Compensation vs Market: Mohammad's total compensation ($USD109.13K) is below average for companies of similar size in the PK market ($USD220.09K).
Compensation vs Earnings: Insufficient data to compare Mohammad's compensation with company performance.
Experienced Management: CENI's management team is seasoned and experienced (5.7 years average tenure).
Experienced Board: CENI's board of directors are considered experienced (5.3 years average tenure).
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.
Century Insurance Company Limited's employee growth, exchange listings and data sources
- Name: Century Insurance Company Limited
- Ticker: CENI
- Exchange: KASE
- Founded: 1985
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: PK₨1.012b
- Shares outstanding: 55.33m
- Website: https://cicl.com.pk
Number of Employees
- Century Insurance Company Limited
- Lakson Square, Building No. 3
- 11th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/16 00:00|
|End of Day Share Price||2022/05/16 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.