BH Assurance provides insurance products for individuals and professionals in Tunisia.
Price History & Performance
|Historical stock prices|
|Current Share Price||د.ت48.50|
|52 Week High||د.ت47.00|
|52 Week Low||د.ت50.64|
|1 Month Change||1.04%|
|3 Month Change||n/a|
|1 Year Change||-4.90%|
|3 Year Change||86.54%|
|5 Year Change||12.79%|
|Change since IPO||464.61%|
Recent News & Updates
|BHASS||TN Insurance||TN Market|
Return vs Industry: BHASS underperformed the TN Insurance industry which returned -1% over the past year.
Return vs Market: BHASS underperformed the TN Market which returned 0.5% over the past year.
Stable Share Price: Insufficient data to determine BHASS's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine BHASS's volatility change over the past year.
About the Company
BH Assurance provides insurance products for individuals and professionals in Tunisia. The company offers auto, home, legal protection, business premises, civil liability, personal, dental technicians, health professionals, and other insurance products. The company was formerly known as Assurances SALIM S.A. and changed its name to BH Assurance in August 2019.
BH Assurance Fundamentals Summary
|BHASS fundamental statistics|
Is BHASS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BHASS income statement (TTM)|
|Cost of Revenue||د.ت91.59m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||3.23|
|Net Profit Margin||7.97%|
How did BHASS perform over the long term?See historical performance and comparison
Is BH Assurance 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: BHASS (TND48.5) is trading above our estimate of fair value (TND13.49)
Significantly Below Fair Value: BHASS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BHASS's PE Ratio (15x) is in line with the TN Insurance industry average.
PE vs Market: BHASS is poor value based on its PE Ratio (15x) compared to the TN market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHASS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BHASS is overvalued based on its PB Ratio (1.9x) compared to the TN Insurance industry average (0.8x).
How is BH Assurance 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 BH Assurance 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 BH Assurance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHASS has high quality earnings.
Growing Profit Margin: BHASS's current net profit margins (8%) are lower than last year (9.8%).
Past Earnings Growth Analysis
Earnings Trend: BHASS's earnings have grown by 13.8% per year over the past 5 years.
Accelerating Growth: BHASS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BHASS had negative earnings growth (-11.6%) over the past year, making it difficult to compare to the Insurance industry average (18.2%).
Return on Equity
High ROE: BHASS's Return on Equity (12.3%) is considered low.
How is BH Assurance's financial position?
Financial Position Analysis
Short Term Liabilities: BHASS's short term assets (TND189.8M) exceed its short term liabilities (TND168.2M).
Long Term Liabilities: BHASS's short term assets (TND189.8M) exceed its long term liabilities (TND124.8M).
Debt to Equity History and Analysis
Debt Level: BHASS is debt free.
Reducing Debt: BHASS has not had any debt for past 5 years.
Debt Coverage: BHASS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: BHASS has no debt, therefore coverage of interest payments is not a concern.
What is BH Assurance current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BHASS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BHASS'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 BHASS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BHASS'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 BHASS's dividend in 3 years as they are not forecast to pay a notable one for the TN market.
How experienced are the management team and are they aligned to shareholders interests?
Mrs. Dalila Bader Koubaa serves as Chief Executive Officer of BH Assurance (formerly known as Assurances SALIM S.A.) Mrs. Koubaa serves as an Assistant General Manager at Banque de l'Habitat and is In Char...
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.
BH Assurance's employee growth, exchange listings and data sources
- Name: BH Assurance
- Ticker: BHASS
- Exchange: BVMT
- Founded: 1995
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: د.ت129.010m
- Shares outstanding: 2.66m
- Website: https://bh-assurances.fr
- BH Assurance
- Lot AFH BC5
- Center Urbain Nord
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/14 15:00|
|End of Day Share Price||2021/10/13 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.