RMRH.F Stock Overview

A financial services company, provides insurance and investment products in South Africa, Australia, and Ireland. More details

RMRH.F fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	4/6
Financial Health	5/6
Dividends	3/6

Rewards

Earnings are forecast to grow 19.1% per year

Earnings grew by 110.5% over the past year

Risk Analysis

Shares are highly illiquid

Dividend of 3.25% is not well covered by cash flows

My Notes

Capture your thoughts, links and company narrative

OUTsurance Group Limited Competitors

Genworth Financial

NYSE:GNW

US$3.0b

CNO Financial Group

NYSE:CNO

US$3.8b

Oscar Health

NYSE:OSCR

US$3.5b

Lincoln National

NYSE:LNC

US$5.3b

Price History & Performance

Summary of share price highs, lows and changes for OUTsurance Group
Historical stock prices
Current Share Price	R1.87
52 Week High	R1.87
52 Week Low	R1.87
Beta	0.67
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-19.05%

Recent updates

Shareholder Returns

	RMRH.F	US Insurance	US Market
7D	0%	-2.2%	-2.4%
1Y	n/a	26.1%	23.4%

Return vs Industry: Insufficient data to determine how RMRH.F performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how RMRH.F performed against the US Market.

Price Volatility

Is RMRH.F's price volatile compared to industry and market?
RMRH.F volatility
RMRH.F Average Weekly Movement	n/a
Insurance Industry Average Movement	4.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: RMRH.F has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine RMRH.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1998	n/a	Marthinus Visser	www.outsurance.co.za

OUTsurance Group Limited, an investment holding company, provides various financial products and services in South Africa, rest of Africa, the United Kingdom, China, Singapore, Australia, Japan, Europe, the United States, and internationally. It operates through Discovery, Momentum Metropolitan, OUTsurance, and Hastings segments. The company’s Discovery segment develops integrated financial products and services for healthcare funding, insurance, and banking markets under the Discovery Health, Discovery Life, Discovery Insure, Discovery Invest, Discovery Vitality, VitalityHealth, VitalityLife, Ping An Health, and Discovery Bank brand names.

OUTsurance Group Limited Fundamentals Summary

How do OUTsurance Group's earnings and revenue compare to its market cap?
RMRH.F fundamental statistics
Market cap	US$3.01b
Earnings (TTM)	US$126.38m
Revenue (TTM)	US$1.31b

23.8x

P/E Ratio

2.3x

P/S Ratio

Is RMRH.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RMRH.F income statement (TTM)
Revenue	R23.27b
Cost of Revenue	R12.05b
Gross Profit	R11.22b
Other Expenses	R8.97b
Earnings	R2.25b

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	1.47
Gross Margin	48.23%
Net Profit Margin	9.67%
Debt/Equity Ratio	0%

How did RMRH.F perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

67%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/04/02 19:06
End of Day Share Price	2023/01/03 00:00
Earnings	2022/12/31
Annual Earnings	2022/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

OUTsurance Group Limited is covered by 9 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Adrienne Damant	Avior Capital Markets
Marius Strydom	BofA Global Research
Larissa van Deventer	Deutsche Bank