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BHAS

BH AssuranceBVMT:BHASS Stock Report

Market Cap

د.ت129.0m

7D

1.0%

1Y

-4.9%

Updated

14 Oct, 2021

Data

Company Financials
BHASS fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends0/6

BHASS Overview

BH Assurance provides insurance products for individuals and professionals in Tunisia.

Price History & Performance

Summary of all time highs, changes and price drops for BH Assurance
Historical stock prices
Current Share Priceد.ت48.50
52 Week Highد.ت47.00
52 Week Lowد.ت50.64
Beta0.11
1 Month Change1.04%
3 Month Changen/a
1 Year Change-4.90%
3 Year Change86.54%
5 Year Change12.79%
Change since IPO464.61%

Recent News & Updates

Shareholder Returns

BHASSTN InsuranceTN Market
7D1.0%-0.08%-0.5%
1Y-4.9%-1.2%0.5%

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.

Price Volatility

Is BHASS's price volatile compared to industry and market?
BHASS volatility
BHASS Beta0.11
Industry Beta0.81
Market Beta1

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

FoundedEmployeesCEOWebsite
1995n/aDalila Koubaahttps://bh-assurances.fr

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

How do BH Assurance's earnings and revenue compare to its market cap?
BHASS fundamental statistics
Market Capد.ت129.01m
Earnings (TTM)د.ت8.60m
Revenue (TTM)د.ت107.80m

15.0x

P/E Ratio

1.2x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BHASS income statement (TTM)
Revenueد.ت107.80m
Cost of Revenueد.ت91.59m
Gross Profitد.ت16.21m
Expensesد.ت7.61m
Earningsد.ت8.60m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)3.23
Gross Margin15.04%
Net Profit Margin7.97%
Debt/Equity Ratio0.0%

How did BHASS perform over the long term?

See historical performance and comparison

Valuation

Is BH Assurance undervalued compared to its fair value and its price relative to the market?

15.01x

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).


Future Growth

How is BH Assurance 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 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.


Past Performance

How has BH Assurance performed over the past 5 years?

13.8%

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.


Financial Health

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.


Balance Sheet


Dividend

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.


Next Steps

Management

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


CEO

Dalila Koubaa

no data

Tenure

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...


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

BH Assurance's employee growth, exchange listings and data sources


Key Information

  • 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

Location

  • BH Assurance
  • Lot AFH BC5
  • Center Urbain Nord
  • Tunis
  • 1003
  • Tunisia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/14 15:00
End of Day Share Price2021/10/13 00:00
Earnings2021/06/30
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.