RSA Insurance Group plc

NASDAQ

RSAIF

Stock

Yield per half year: +3.56%
Dividend yield: 1.15%
Sector: Financials

Reporting RSA Insurance Group plc

Capitalization

IFRS

Reporting Annual Quarterly

	2003	2004	2005	2013	2014	2015	2016	2017	2018	2019	2020	LTM	Average for 5 years	CAGR 5
Capitalization, bln $											9.78	10.19	9.78	0.00
Revenue, bln $			10.84	8.71	7.33	6.66	6.84	7.09	7.01	6.88	6.42	6.55	6.85	-1.26
Net profit, bln $			1.04	-0.347	0.069	0.235	0.027	0.289	0.349	0.359	0.345	0.32	0.2738	66.45
EV, bln $											9.49	9.92	9.49	0.00
EBIT, bln $	-0.2472	0.0019	1.67	0.358	0.39	0.457	0.664	0.689	0.541	0.61			0.5922	5.95
EBITDA, bln $												0.739
Book value, bln $		4.76	4.72	2.77	3.7	3.52	3.72	3.95	4.08	4.17	4.56		4.10	4.16
FCF, bln $								0.216	0.044	0.325	0.429		0.2535	18.71
Operating Cash Flow, bln $		1.07	0.0533	0.456	0.352	0.323	-0.035	0.365	0.189	0.478	0.574		0.3142	-274.97
Operating profit, bln $	1.52	0.7244	1.43	0.358	0.39	0.457	0.473	0.689	0.541	0.61			0.5540	5.95
Operating expenses, bln $				8.35	6.94	6.21	10.86	11	6.53	6.39	5.93		8.14	-11.40
CAPEX, bln $		0.1984	0.1032	0.036	0.036	0.014	0.164	0.016	0.022	0.008	0.023		0.0466	-32.49

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	Average for 5 quarters	CAGR 5
Revenue, bln $			1.73	3.46	1.78	3.56	1.71	3.43	1.73	3.47		3.29		3.3	3.04	-0.77
Net profit, bln $					0.057	0.12	0.085	0.18	0.0945	0.19	0.076	0.16	0.0965	0.191	0.1427	0.11
EBIT, bln $	0.1865	0.1865	0.1605	0.1605	0.11	0.11	0.143	0.143	0.162	0.162					0.1440	8.05
Book value, bln $			4.01	4.01	3.96	3.96	4.04	4.17	4.04	4.17		4.46		4.56	4.28	1.80
FCF, bln $				0.06		0.08		0.15		0.29		-0.06		0.575	0.2070	48.36
Operating Cash Flow, bln $					0.056	0.056	0.0825	0.0825	0.1565	0.1565	-0.0215	-0.0215	0.3085	0.3085	0.1461	14.54
Operating profit, bln $			0.1605	0.07	0.11	0.09	0.143	0.16	0.162	0.29		-0.05		0.588	0.2300	29.73
Operating expenses, bln $	1.62	1.62	1.93	1.82	1.67	1.67	1.57	1.57	1.57	1.57					1.59	-1.23
CAPEX, bln $					0.005	0.005	0.0025	0.0025	0.0015	0.0015	0.005	0.005	0.0065	0.0065	0.0049	34.08

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2004	2005	2013	2014	2015	2016	2017	2018	2019	2020	LTM	Average for 5 years	CAGR 5
Cash, bln $		2.78	1.16	1.01	0.816	1.09	1.05	0.793	0.909	1.09	1.11	0.9864	0.00
Short-Term Investments $										11.39		11.39	0.00
Long-Term Investments $	28.39	23.39	12.16	12.71	11.66	12.31	11.51	11.29	11.19	11.4		11.54	-1.52
Accounts Receivable $	6.37	12.87	3.76	3.95	3.4	3.32	3.34	3.39	2.93	3.02		3.20	-1.88
Total Current Assets $			7.63	6.58	6.61	6.44	6.26	5.8	5.19	5.55		5.85	-2.93
Net assets, bln $	1.77	1.45	0.16	0.151	0.109	0.109	0.104	0.09	0.296	0.237		0.1672	16.81
Assets, bln $	46.48	42.33	21.93	22.02	20.61	21.14	20.6	20.29	19.96	20.71		20.54	-0.41
Short-Term Debt $			1.61	0.299					0.023			0.6440	-75.74
Long-Term Debt $	5.66	2.27	1.31	1.24	1.25	1.32	0.56	0.548	0.896	0.883		0.8414	-7.73
Liabilities, bln $	41.72	37.61	18.92	18.09	16.84	17.29	16.5	16.04	15.62	15.98		16.29	-1.56
Debt, bln $			2.92	1.54					0.919		1.09	1.79	-31.98
Interest Income $									0.004	0.001		0.0025	-50.00
Net interest income, bln $						-0.204	-0.136	-0.058	-0.078	-0.072		-0.1096	-18.80
Goodwill $	0.1117	0.2616	0.589	0.412	0.318	0.345	0.362	0.349	0.337	0.33		0.3446	-0.89
Cost of production, bln $			7.99	6.74	6.05	5.99	6.25	6.33	6.25			6.17	0.65

	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	Average for 5 quarters	CAGR 5
Cash, bln $							0.774	0.77	0.788	0.79	0.818	0.82	0.909	0.91		0.93		1.09	0.9318	5.86
Short-Term Investments $																		11.39	11.39	0.00
Long-Term Investments $							11.25	11.25	11.2	11.2	11.29	11.31	11.07	11.19		11.27		11.4	11.25	0.16
Accounts Receivable $									3.39	3.39	3.81	3.06	3.12	3.12	4.07	4.07	3.02	3.02	3.46	-0.65
Total Current Assets $									5.8	5.8	7.63	7.63	5.2	5.2	7.43	7.43	5.55	5.55	6.23	1.31
Net assets, bln $									0.09	0.09	0.343	0.343	0.296	0.296	0.293	0.293	0.237	0.237	0.2712	-4.35
Assets, bln $							20.67	20.67	20.29	20.29	20.92	20.92	19.96	19.96		20.71		20.71	20.45	-0.20
Short-Term Debt $	1.32	1.32	0.666	0.666	0.564	0.564								0.023					0.4966	-48.99
Long-Term Debt $							0.441	0.441	0.402	0.402	0.402	0.59	0.75	0.896		0.865		0.883	0.7968	8.40
Liabilities, bln $							16.39	16.39	16.04	16.04	16.58	16.58	15.62	15.62		16.05		15.98	15.97	-0.73
Debt, bln $	2.39	2.39	1.11	1.11	1.01	1.01								0.919					1.03	-3.71
Interest Expense, bln $					0.0065	0.0065	0.0065	0.0065	0.006	0.006	0.008	0.008	0.008	0.008					0.0076	5.92
Goodwill $							0.357	0.357	0.347	0.347	0.352	0.352	0.337	0.337		0.347		0.33	0.3406	-1.28
Cost of production, bln $					1.59	1.59	1.56	1.56	1.61	1.61	1.56	1.56	1.56	1.56					1.57	-0.63

Share

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2024	LTM	Average for 5 years	CAGR 5
EPS	0.6914	-0.8466	0.0054	0.1417	0.1029	0.3757	0.3709	0.4006	0			0.44	0.2784	23.10
Share price			3.95	6.43	6.45	8.13	8.18	6.84	9.18	9.27	9.32	9.32	8.56	2.64

	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	Average for 5 quarters	CAGR 5
EPS	0.0637	0.1	0.0971	0.15	0.1139	0.17	0.0836	0.14	0.1182	0.17			0.1364	0.00
Share price			6.64	7.01	6.8	7.04	5.43	4.83	5.57	8.37	9.23	9.32	7.46	14.05

	Average for 5 quarters	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2005	2013	2014	2015	2016	2017	2018	2019	2020	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	22.06	-12.54	1.86	6.68	0.7268	7.32	8.55	8.61	8.09					8.02	-24.68	6.66	61.92
ROA, %	2.46	-1.58	0.3134	1.14	0.1277	1.4	1.72	1.8	1.86					2.18	10.01	1.38	70.87
ROIC, %		-3.34	1.49					11.81							12.34	3.32	-252.35
ROS, %					0.3946	4.07	4.98	5.22	5.38	4.89	4.89	4.89	4.89	4.89	26.69	4.99	-1.89
ROCE, %	35.36	11.88	9.92	12.12	17.26	16.8	12.73	14.05					0	0	-33.05	14.59	3.00
EBIT margin													0	0	34.34
EBITDA margin									5.08				11.28	11.28	38.76	8.18	49.01
Net margin	9.6	-3.98	0.9413	3.53	0.3946	4.07	4.98	5.22	0					10.83	26.69	3.64	8.14
Operational efficiency, %			5.32	6.86	6.91	9.71	7.72	8.86			0	0	0	0	31.18	8.01	5.25

	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %							2.93	2.93	1.44	1.44	2.1	2.04	2.34	2.27	1.7	2.11			-24.68	2.09	0.68
ROA, %							0.5683	0.5683	0.2809	0.2809	0.4064	0.4064	0.4734	0.4734	0.367	0.466			10.01	0.4372	2.77
ROIC, %	-0.0251	-0.0251	3.2	3.2	1.79	1.79								2.73					12.34	2.54	-3.13
ROS, %							6.8	6.8	3.21	3.21	4.96	4.96	5.46	5.46			4.89	4.89	26.69	5.13	-0.28
ROCE, %					4.55	4.55	3.74	3.74	2.59	2.59	3.3	3.3	3.73	3.73					-33.05	3.33	7.57
EBITDA margin																	11.28	11.28	38.76	11.28	0.00
Net margin					2.58	2.58	6.8	6.8	3.21	3.21	4.96	4.96	5.46	5.46					26.69	4.81	11.21
Operational efficiency, %					10.35	10.35	9.29	9.29	6.19	6.19	8.34	8.34	9.35	9.35					31.18	8.31	8.60

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E				22.33						21.38	28.31	22.33	0.00
P/BV				1.64						2.17	-6.51	1.64	0.00
P/S				1.06						1.55	7.17	1.06	0.00
P/FCF							0	0	0	0	26.78
E/P							0.0314	0.0314	0.0314	0.0314	0.04	0.0314	0.00
EV/EBIT								0	0	0	21.71
EV/EBITDA										13.42	18.61
EV/S							1.51	1.51	1.51	1.51	7.41	1.51	0.00
EV/FCF								0	0	0	25.82
Debt/EBITDA							1.47	1.47	1.47	1.47	2.16	1.47	0.00
Netdebt/Ebitda							0	0	0	0	1.03
Debt/Ratio	0.1332	0.07	0.046				0	0	0	0	0.35	0.0831	-29.84
Debt/Equity	1.05	0.4168	0.2204				0	0	0	0	-0.50	0.5624	-40.57
Debt/Net Income	-8.41	22.35	2.56				3.41	3.41	3.41	3.41	3.94	7.03	-31.34
PEG									0	0	9.14
Beta				1.24	0	0	0	0	0	0	0.16	1.24	0.00
Altman Index					0	0	0	0	0	0	30.47

	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2019Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
E/P									0.0314	0.0314	0.04	0.0314	0.00
EV/S									1.51	1.51	7.41	1.51	0.00
Debt/EBITDA									1.47	1.47	2.16	1.47	0.00
Debt/Ratio	0.1129	0.1129	0.0526	0.0526	0.0488	0.0488	0.046				0.35	0.0498	-2.65
Debt/Equity	0.6649	0.6649	0.2896	0.2896	0.2627	0.2627	0.2204				-0.50	0.2650	-5.31
Debt/Net Income	-82.31	-82.31	11.3	11.3	21.61	21.61	9.72		3.41	3.41	3.94	11.95	-30.88
Beta								0	0		0.16
Altman Index								0	0		30.47

	Industry average	Average for 5 quarters	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2004	2005	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.2061	0.2375			0.157	0.009	0.065	0.131	0.2	0.231	0.242	0.108			0.1824	-3.79
Dividend			0.421	0.4588	0.3072		0.055	0.12	0.176	0.203	0.212	0.11	0.11		0.1642	-1.73
Dividend yield, %			20.58	26.28	17.09		0.8556	1.86	2.16	2.48	3.1	1.17	1.15	1.38	2.15	-8.85
Dividends / profit, %		22.81			-45.24	13.04	27.66	485.19	69.2	66.19	67.41	24.43	25.97	45.79	142.48	-44.99

	2016Q1	2016Q3	2017Q1	2017Q3	2018Q1	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln						0.043	0.043	0.0765	0.0765	0.0445	0.0445	0.006	0.006	0.048	0.048		0.0305	1.53
Dividend	0.07	0.05	0.11	0.066	0.13	0.073		0.137		0.075		0.156			0.08		0.1042	1.85
Dividend yield, %	1.2	0.7407	1.48	0.79	1.51	0.8909		2.06		1.1		2.87			0.9556	1.38	1.58	1.41
Dividends / profit, %						75.44	75.44	90	90	47.09	47.09	7.89	7.89	49.74	49.74	45.79	32.47	1.10

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Other

IFRS

Reporting Annual

	2021	CAGR 5
Staff, people	11 840	0.00

	CAGR 5

	CAGR 5