GHL Stock Overview
Guardian Holdings Limited, together with its subsidiaries, underwrites various insurance products in Trinidad and Tobago, and other Caribbean countries; Jamaica; Dutch Caribbean; and Non-Caribbean.
Guardian Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||TT$27.00|
|52 Week High||TT$36.00|
|52 Week Low||TT$26.00|
|1 Month Change||0%|
|3 Month Change||-10.00%|
|1 Year Change||-11.77%|
|3 Year Change||45.95%|
|5 Year Change||68.75%|
|Change since IPO||232.51%|
Recent News & Updates
|GHL||TT Insurance||TT Market|
Return vs Industry: GHL matched the TT Insurance industry which returned -12.3% over the past year.
Return vs Market: GHL underperformed the TT Market which returned 11% over the past year.
|GHL Average Weekly Movement||3.6%|
|Insurance Industry Average Movement||4.9%|
|Market Average Movement||3.6%|
|10% most volatile stocks in TT Market||5.9%|
|10% least volatile stocks in TT Market||1.9%|
Stable Share Price: GHL is not significantly more volatile than the rest of TT stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: GHL's weekly volatility (4%) has been stable over the past year.
About the Company
Guardian Holdings Limited, together with its subsidiaries, underwrites various insurance products in Trinidad and Tobago, and other Caribbean countries; Jamaica; Dutch Caribbean; and Non-Caribbean. The company offers life, health, property, motor, bonding and crime, marine, personal accident, and casualty insurance products, as well as pensions and asset management services. It also provides insurance brokerage and property development services.
Guardian Holdings Fundamentals Summary
|GHL fundamental statistics|
Is GHL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GHL income statement (TTM)|
|Cost of Revenue||TT$4.09b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||3.37|
|Net Profit Margin||11.81%|
How did GHL perform over the long term?See historical performance and comparison
2.6%Current Dividend Yield
Is Guardian Holdings 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: GHL (TTD27) is trading above our estimate of fair value (TTD25.68)
Significantly Below Fair Value: GHL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: GHL is good value based on its PE Ratio (8x) compared to the South American Insurance industry average (12.4x).
PE vs Market: GHL is good value based on its PE Ratio (8x) compared to the TT market (16.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate GHL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: GHL is good value based on its PB Ratio (1.3x) compared to the XS Insurance industry average (1.5x).
How is Guardian Holdings 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 Guardian Holdings 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 Guardian Holdings 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: GHL has a high level of non-cash earnings.
Growing Profit Margin: GHL's current net profit margins (11.8%) are lower than last year (13.1%).
Past Earnings Growth Analysis
Earnings Trend: GHL's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: GHL's earnings growth over the past year (1%) is below its 5-year average (16.8% per year).
Earnings vs Industry: GHL earnings growth over the past year (1%) exceeded the Insurance industry -3.7%.
Return on Equity
High ROE: GHL's Return on Equity (15.8%) is considered low.
How is Guardian Holdings's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: GHL's short term assets (TTD6.2B) exceed its short term liabilities (TTD5.9B).
Long Term Liabilities: GHL's short term assets (TTD6.2B) do not cover its long term liabilities (TTD23.7B).
Debt to Equity History and Analysis
Debt Level: GHL has more cash than its total debt.
Reducing Debt: GHL's debt to equity ratio has reduced from 70.8% to 70.7% over the past 5 years.
Debt Coverage: GHL's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: GHL's interest payments on its debt are well covered by EBIT (5.2x coverage).
What is Guardian Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GHL's dividend (2.59%) isn’t notable compared to the bottom 25% of dividend payers in the TT market (2.61%).
High Dividend: GHL's dividend (2.59%) is low compared to the top 25% of dividend payers in the TT market (4.43%).
Stability and Growth of Payments
Stable Dividend: GHL's dividend payments have been volatile in the past 10 years.
Growing Dividend: GHL's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (20.8%), GHL's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: GHL is paying a dividend but the company has no free cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Ravi Tewari has been Group Chief Executive Officer of Guardian Holdings Limited since January 1, 2014 and served as its Group President of Life, Health & Pension until March 21, 2017. Mr. Tewari has be...
Experienced Management: GHL's management team is considered experienced (3.5 years average tenure).
Experienced Board: GHL's board of directors are considered experienced (5.2 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.
Guardian Holdings Limited's employee growth, exchange listings and data sources
- Name: Guardian Holdings Limited
- Ticker: GHL
- Exchange: TTSE
- Founded: 1982
- Industry: Multi-line Insurance
- Sector: Insurance
- Implied Market Cap: TT$6.265b
- Shares outstanding: 232.02m
- Website: https://trinidad.myguardiangroup.com/companies/guardian-holdings-limited
Number of Employees
- Guardian Holdings Limited
- 1 Guardian Drive
- Diego Martin
- Trinidad & Tobago
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 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.