Lifenet Insurance Company

TSE

7157

Stock

Yield per half year: +4.79%
Dividend yield: 0%

Reporting Lifenet Insurance Company

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								78.17
Выручка, млрд ¥	10.93	12.56	16.7	20.79	26.16	30.08	25	25	23.75	8.40
Чистая прибыль, млрд ¥	-0.249	-1.74	-2.4	-3.11	-3.32	-5.16	5.73	5.73	-1.6520	-219.01
EV, млрд ¥	21.9	29.61	29.07	74.04	32.95	73.97	88.45	88.45	59.70	24.93
EBIT, млрд ¥	-0.21	-1.73	-2.4	-3.11	-3.32	-5.72	8.25	8.25	-1.2600	-228.01
EBITDA, млрд ¥	0.044	-1.48	-2.1	-2.75	-2.93	-5.16	8.88	8.88	-0.8120	-233.43
OIBDA, млрд ¥			-2.09	-2.74	-2.92	-5.55	11.93	11.93	-0.2740	-241.68
Баланс стоимость, млрд ¥	1.25	11.77	9.4	15.81	22.07	15.57	90.87	90.87	30.74	57.42
FCF, млрд ¥	3.47	2.25	1.2	2.11	2.27	2.12	5.23	5.23	2.59	34.23
Операционный денежный поток, млрд ¥	3.82	2.51	1.61	2.94	2.78	2.71	6.02	6.02	3.21	30.18
Операционная прибыль, млрд ¥	-0.172	-1.73	-2.4	-3.11	-3.32	-5.55	8.78	8.78	-1.1200	-229.62
Операционные расходы, млрд ¥	11.14	14.29	19.09	23.89	-29.47	35.06	16.75	16.75	13.06	-2.58
CAPEX, млрд ¥	0.351	0.257	0.414	0.83	0.516	0.584	0.783	0.783	0.6254	13.59

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥				7.54	7.5	7.93	5.75	5.79	6.53	6.79	6.96	7.11	8	7.08	4.14
Чистая прибыль, млрд ¥				-1.44	-1.25	-1.41	1.77	0.993	1.61	1.37	1.89	1.27	1.8	1.59	2.26
EV, млрд ¥				61.68	72.56	74.97	64.33	43.12	68.99	95.62	112.25	114.64	128.54	104.01	13.25
EBIT, млрд ¥		-1.31	-1.07	-1.44	-1.25	-1.43	2.52	1.41	2.29	-0.171	2.62			1.73	0.78
EBITDA, млрд ¥			-0.972	-1.34	-1.15	-1.33	2.66	1.56	2.45	0.005	2.8		2.51	1.86	9.98
OIBDA, млрд ¥									3.13	0.672	7.87		8.7	5.09	29.12
Баланс стоимость, млрд ¥				18.65	16.87	15.57	77.99	87.04	89.6	90.87	91.05	93.91	94.38	91.96	1.04
FCF, млрд ¥	0.906	0.524	0.13	0.689	0.136	1.17	1.02	1.6	1.48	1.12				1.28	-0.87
Операционный денежный поток, млрд ¥	1.06	0.602	0.18	0.803	0.247	1.48	1.2	1.87	1.69	1.26				1.50	-3.17
Операционная прибыль, млрд ¥				-1.44	-1.25	-1.43	2.39	1.38	2.28	2.04	6.96	7.11	8	5.28	28.54
Операционные расходы, млрд ¥		8.17	8.18	8.98	8.75	-9.36	3.36	-4.41	-0.09	-0.103	0.107			-0.2272	-49.81
CAPEX, млрд ¥	0.156	0.078	0.05	0.114	0.111	0.309	0.172	0.271	0.207	0.133				0.2184	-15.52

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	0.999	1.19	1.38	2.06	3.76	5.72	24.42	24.42	7.47	77.65
Short Term Investments ¥		3.11	3.54				39.4	39.4	15.35	133.12
Total Receivables ¥		1.96	1.44	2.37	5.59	5.49		5.49	3.37	22.87
Total Current Assets ¥		4.31	1.38	2.06	3.76	10.22	83.11	83.11	20.11	126.96
Чистые активы, млрд ¥	3.94	4.31	4.92	2.06	0.097	4.09		0.097	3.10	-1.04
Активы, млрд ¥	35.54	38.25	41.14	54.5	67.82	68.6	112.42	112.42	68.90	22.27
Short Term Debt ¥						0.109	0.109	0.109	0.1090	0.00
Long Term Debt ¥			0.007	0.011	0.007			0.007	0.0083	0.00
Задолженность, млрд ¥	22.15	26.48	31.74	38.7	45.75	53.03	21.54	21.54	38.15	-7.46
Чистый долг, млрд ¥	-0.966	-1.18	-1.37	-2.05	-3.75	-5.71	-24.31	-24.31	-7.4380	77.75
Долг, млрд ¥	0.033	0.016	0.007	0.011	0.007	0.005	0.11	0.11	0.0280	73.48
Расходы на обслуживание долга ¥					0.001	0.002	0.002	0.002	0.0017	25.99
Чист. проц. доходы, млрд ¥	0.232	0.23	0.291	0.32	0.415	0.495	0.45	0.495	0.3942	9.11
Амортизация, млрд ¥		0.251	0.3	0.364	0.39	0.554	0.631	0.631	0.4478	16.03
Себестоимость, млрд ¥							-0.152	-0.152	-0.1520	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				3.19	4.09	5.72	12.81	24.59	23.87	24.42	19.17	18.66	17.74	20.77	-5.76
Total Receivables ¥			5.76	4.69	6.29	5.49	0.044							4.45	-62.28
Total Current Assets ¥				3.19	4.09	5.72	12.81	24.59	23.87	58.12	19.17	18.66	17.74	27.51	-5.76
Чистые активы, млрд ¥	19.35	3.76	4.27	3.19	4.09	0.075	0.293							2.38	-41.48
Активы, млрд ¥				68.07	67.9	68.6	96.97	105.83	109.73	111.85	111.77	117.09	118.55	113.80	1.56
Short Term Debt ¥										0.109				0.1090	0.00
Long Term Debt ¥				0.006		0.005								0.0055	-8.71
Задолженность, млрд ¥				49.42	51.03	53.03	17.44	17.12	18.11	20.96	20.71	23.16	24.16	21.42	5.93
Чистый долг, млрд ¥				-3.19	-4.09	-5.71	-12.59	-24.39	-23.74	-24.31	-19.08	-18.66	-17.74	-20.7060	-5.66
Долг, млрд ¥		0.007		0.006		0.005	0.228	0.201	0.138	0.11	0.083			0.1520	-18.30
Расходы на обслуживание долга ¥				0.001	0.001	0.002		0.001						0.0013	0.00
Чист. проц. доходы, млрд ¥	0.072	0.128	0.119	0.153	0.08	22.47	11.31	12.41	18.85	0.178				13.04	-62.00
Амортизация, млрд ¥			0.099	0.098	0.096	0.099	0.135	0.154	0.166	0.176	0.178			0.1618	5.69
Себестоимость, млрд ¥											-0.053			-0.0530	0.00

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-4.87	-33.92	-46.84	-53.84	-50.64	-74.07	75.97		75.97	-29.8840	-210.16
Цена акции ао					1176	1175	1822	2006	2006	1544.75	14.28
Число акций ао, млн		51.15	51.24	57.82	65.54	69.72	75.48		75.48	63.96	8.05
FCF/акцию	67.83	43.97	23.4	36.44	34.59	30.42	69.33		69.33	38.84	24.26

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				-20.64	-17.88	-20.21	25.31	13.87	20.01	17.05	23.51	15.75	22.47			19.76	2.35
Цена акции ао														1700	2006	1853.00	8.63
FCF/акцию	14.95	8.64	1.87	9.89	1.95	16.72	14.68	22.39	18.49	13.98						17.25	-3.52

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-3.34	-26.65	-22.67	-24.7	-17.53	-27.44	10.77		10.77	8.26	-16.3140	-186.17
ROA, %	-0.7381	-4.7	-6.05	-6.51	-5.43	-7.57	6.34		6.34	4.23	-3.8440	-200.94
ROS, %			-14.37	-14.98	-12.69	-17.17	22.94	22.94	22.94	9.08	0.2080	-208.90
ROCE, %	-0.6096	-4.55	-5.86	-5.75	-4.92	-8.4	7.48	9.08	9.08	10.97	-0.5020	-209.57
Ebit margin, %			-14.31	-14.94	-12.67	-19	33.01	33.01	33.01		3.88	-217.18
Рентаб EBITDA, %	0.4	-11.79	-12.55	-13.21	-11.18	-17.16	35.54	35.54	35.54	17.49	5.91	-221.89
Чистая рентаб, %	-2.28	-13.82	-14.37	-14.98	-12.69	-17.17	22.94		22.94	9.08	-7.2540	-209.81
Operation Margin, %			-14.35	-14.96	-12.67	-18.46	35.13	35.13	35.13	13.35	4.83	-218.62

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		-6.53	-6.1	-9.05	7.03	2.43	2.75	1.78	2.14	1.4	1.96		8.26	2.01	-6.55
ROA, %		-2.11	-1.83	-2.05	2.13	0.9793	1.49	1.24	1.69	1.11	1.53		4.23	1.41	0.53
ROS, %				-17.77	30.7	17.16	24.59	20.16	27.11	17.8	22.55	22.94	9.08	22.11	2.62
ROCE, %	-1.62	-2.14	-1.85	-9.18	3.36	1.66	2.41	-0.1624	2.41			9.08	10.97	3.08	40.47
Ebit margin, %					43.86	24.27	35.03	-2.52	37.64			33.01		25.49	6.34
Рентаб EBITDA, %		-17.75	-15.32	-16.78	46.21	26.94	37.57	0.0736	40.2		31.37	35.54	17.49	28.95	-1.10
Чистая рентаб, %		-19.06	-16.61	-17.77	30.7	17.16	24.59	20.16	27.11	17.8	22.55		9.08	22.44	-1.72
Operation Margin, %				-18.03	41.53	23.89	34.91	29.99	100	100	100	35.13	13.35	73.02	3.21

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E							19.67		19.67	130.72	19.67	0.00
P/BV	1.71	2.62	3.24	4.81	1.66	5.12	1.24		1.24	113.68	3.21	-17.48
P/S	2.09	2.45	1.82	3.66	1.4	2.65	4.51		4.51	113.74	2.81	19.90
P/FCF						36.87	14.94	14.94	14.94	9.24	22.25	-26.00
E/P						-0.066	0.0734	0.0734	0.0734	0.65	0.0269	-203.61
EV/EBIT			-12.16	-23.84	-9.94	-12.94	10.72	10.72	10.72		-5.0560	-185.23
EV/EBITDA	497.63	-20.01	-13.87	-26.96	-11.26	-14.33	9.96		9.96	139.23	-11.2920	-193.59
EV/S			1.74	3.56	1.26	2.46	3.54	3.54	3.54	113.17	2.87	-0.11
EV/FCF			24.24	35.14	14.53	34.88	16.9	16.9	16.9	126.10	23.67	-13.62
Debt/EBITDA	0.75		-0.0033	-0.004	-0.0024	-0.000969	0.0124	0.0124	0.0124	-5.25	0.0035	-225.39
Netdebt/Ebitda			0.6536	0.7458	1.28	1.11	-2.74	-2.74	-2.74	22.46	-0.4688	-229.73
Debt/Ratio			0.00017	0.000202	0.000103	7.3E-5	0.000978	0.000978	0.000978	0.16	0.0005	37.09
Debt/Equity			0.000745	0.000696	0.000317	0.000321	0.0012	0.237	0.237	4.48	0.0479	220.94
Debt/Net Income			-0.0029	-0.0035	-0.0021	-0.000968	0.0192	0.0192	0.0192	21.00	0.0064	-240.56
PEG								2.1	2.1		2.10	0.00
Бета						1.93	-0.0868	-0.1843	-0.1843	-0.08	0.5530	-145.71
Индекс Альтмана						1.62	1.06	1.06	1.06	6.73	1.25	-13.18

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					-33.23	851.87	29.63	19.6	21.98	21.75	23.13			130.72	23.22	-4.83
P/BV		3.48	4.54	5.18	0.9672	0.7611	1.01	1.32	1.44	1.42	1.55			113.68	1.35	8.94
P/S		2.15	2.55	2.68	2.68	2.45	3.22	4.54	4.91	4.87	5.07			113.74	4.52	9.50
P/FCF													14.94	9.24	14.94	0.00
E/P													0.0734	0.65	0.0734	0.00
EV/EBIT					25.51	30.69	30.15	-559.21	42.84				10.72		-88.9620	-18.97
EV/EBITDA	-15.74	-15.55	-15.52	-56.37	-56.33	25.12	12.92	14.33	16.47		24.2			139.23	18.61	-0.74
EV/S				9.46	11.19	7.45	10.56	14.09	16.13	16.13	16.07		3.54	113.17	13.19	-24.14
EV/FCF				64.29	62.83	26.9	46.49	85.23					16.9	126.10	47.67	-23.10
Debt/EBITDA				-0.0038	0.0858	0.1289	0.0562	22	0.0297				0.0124	-5.25	4.45	-37.39
Netdebt/Ebitda				4.3	-4.74	-15.64	-9.67	-4862.6	-6.82		-7.07		-2.74	22.46	-977.7800	-22.29
Debt/Ratio				7.3E-5	0.0024	0.0019	0.0013	0.000983	0.000743				0.000978	0.16	0.0012	-12.44
Debt/Equity				0.000321	0.0029	0.0023	0.0015	0.0012	0.000912				0.237	4.48	0.0486	152.70
Debt/Net Income				-0.0035	0.1292	0.2024	0.0859	0.0804	0.044				0.0192	21.00	0.0864	-37.57
PEG													2.1		2.10	0.00
Бета												2.21	-0.1843	-0.08	1.01	-128.88
Индекс Альтмана												1.06	1.06	6.73	1.06	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual

	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0
Див доход, ао, %	0	4.18
Дивиденды / прибыль, %	0	39.75

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	2.48	3.99	1.97	1.94	3.13	3.13	4.77
Персонал, чел				216	208		-1.87

	2023Q4	2024Q1	CAGR 5
CAPEX/Выручка, %	3.17	1.96	-21.37

	CAGR 5