| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
AMI Overview
Assurances Multirisques Ittihad engages in insurance and reinsurance businesses in Tunisia.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | د.ت2.14 |
| 52 Week High | د.ت1.47 |
| 52 Week Low | د.ت2.27 |
| Beta | 1.16 |
| 1 Month Change | 7.00% |
| 3 Month Change | 6.47% |
| 1 Year Change | 39.89% |
| 3 Year Change | -34.41% |
| 5 Year Change | -69.35% |
| Change since IPO | -69.64% |
Recent News & Updates
Shareholder Returns
| AMI | TN Insurance | TN Market | |
|---|---|---|---|
| 7D | 4.9% | 0.7% | -1.8% |
| 1Y | 39.9% | -0.8% | -1.1% |
Return vs Industry: AMI exceeded the TN Insurance industry which returned -0.8% over the past year.
Return vs Market: AMI exceeded the TN Market which returned -1.1% over the past year.
Price Volatility
| AMI volatility | |
|---|---|
| AMI Beta | 1.16 |
| Industry Beta | 0.81 |
| Market Beta | 1 |
Stable Share Price: AMI is not significantly more volatile than the rest of TN stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: AMI's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | 279 | Lamjad Boukhris | https://www.assurancesami.com |
Assurances Multirisques Ittihad engages in insurance and reinsurance businesses in Tunisia. The company offers vehicle, life, health, personal accident, travel, home, hardware, and boat insurance products. It also provides insurance solutions for all site risks, construction machinery, and financial protection.
Assurances Multirisques Ittihad Fundamentals Summary
| AMI fundamental statistics | |
|---|---|
| Market Cap | د.ت87.30m |
| Earnings (TTM) | د.ت624.64k |
| Revenue (TTM) | د.ت154.95m |
140.4x
P/E Ratio0.6x
P/S RatioIs AMI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AMI income statement (TTM) | |
|---|---|
| Revenue | د.ت154.95m |
| Cost of Revenue | د.ت120.01m |
| Gross Profit | د.ت34.94m |
| Expenses | د.ت34.31m |
| Earnings | د.ت624.64k |
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.015 |
| Gross Margin | 22.55% |
| Net Profit Margin | 0.40% |
| Debt/Equity Ratio | 0.0% |
How did AMI perform over the long term?
See historical performance and comparisonValuation
Is Assurances Multirisques Ittihad undervalued compared to its fair value and its price relative to the market?
140.42x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AMI (TND2.14) is trading above our estimate of fair value (TND1.78)
Significantly Below Fair Value: AMI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AMI is poor value based on its PE Ratio (140.4x) compared to the TN Insurance industry average (15x).
PE vs Market: AMI is poor value based on its PE Ratio (140.4x) compared to the TN market (11.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AMI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: AMI has negative assets, so we can't compare its PB Ratio to the TN Insurance industry average.
Future Growth
How is Assurances Multirisques Ittihad 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 Assurances Multirisques Ittihad 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 Assurances Multirisques Ittihad performed over the past 5 years?
-4.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AMI has high quality earnings.
Growing Profit Margin: AMI became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: AMI has become profitable over the past 5 years, growing earnings by -4.2% per year.
Accelerating Growth: AMI has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: AMI has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (18.2%).
Return on Equity
High ROE: AMI's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Financial Health
How is Assurances Multirisques Ittihad's financial position?
Financial Position Analysis
Short Term Liabilities: AMI has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: AMI has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: AMI is debt free.
Reducing Debt: AMI's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Debt Coverage: AMI has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: AMI has no debt, therefore coverage of interest payments is not a concern.
Balance Sheet
Dividend
What is Assurances Multirisques Ittihad current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AMI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AMI'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 AMI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AMI's dividend payments have been increasing.
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: No need to calculate the sustainability of AMI's dividend in 3 years as they are not forecast to pay a notable one for the TN market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.8yrs
Average board tenure
CEO
Lamjad Boukhris
6.83yrs
Tenure
Mr. Lamjad Boukhris has been the Chief Executive Officer of Assurances Multirisques Ittihad since December 20, 2014. Mr. Boukhris serves as Representative Director of Société Tunisienne de Réassurance (for...
Board Members
Experienced Board: AMI's board of directors are considered experienced (6.8 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
Assurances Multirisques Ittihad's employee growth, exchange listings and data sources
Key Information
- Name: Assurances Multirisques Ittihad
- Ticker: AMI
- Exchange: BVMT
- Founded: 2003
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: د.ت87.295m
- Shares outstanding: 40.98m
- Website: https://www.assurancesami.com
Number of Employees
Location
- Assurances Multirisques Ittihad
- North East Zone Berges du Lac 2
- City of Pines
- Tunis
- 1053
- Tunisia
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/26 16:29 |
| End of Day Share Price | 2021/10/26 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.