-0.93%
0.38%
5.15%
3.91%
0.95%
-8.92%
-18.56%
AI Spotlight on CSN
Company Description
Chesnara plc, together with its subsidiaries, engages in the life assurance and pension businesses primarily in the United Kingdom, the Netherlands, and Sweden.It operates through CA, Movestic, Waard Group, and Scildon segments.The company underwrites life risks, such as death, disability, health, and accident; and provides a portfolio of investment contracts for the savings and retirement needs of customers through asset management, as well as general insurance products.
It distributes its products principally through independent financial advisers.Chesnara plc was incorporated in 2003 and is headquartered in Preston, the United Kingdom.
Market Data
| Last Price | 265.5 |
| Change Percentage | -0.93% |
| Open | 260.6 |
| Previous Close | 268 |
| Market Cap ( Millions) | 401 |
| Volume | 128546 |
| Year High | 289.5 |
| Year Low | 240 |
| M A 50 | 259.23 |
| M A 200 | 255.29 |
Financial Ratios
| FCF Yield | 0.44% |
| Dividend Yield | 9.12% |
| ROE | 1.21% |
| Debt / Equity | 62.42% |
| Net Debt / EBIDTA | 250.31% |
| Price To Book | 1.21 |
| Price Earnings Ratio | 96.09 |
| Price To FCF | 225.98 |
| Price To sales | 0.98 |
| EV / EBITDA | 15.88 |
News
- Oct -31 - Chesnara plc (LON:CSN) is a favorite amongst institutional investors who own 75%
- Sep -05 - Chesnara plc's (LON:CSN) Stock Financial Prospects Look Bleak: Should Shareholders Be Prepared For A Share Price Correction?
- May -24 - With 77% ownership of the shares, Chesnara plc (LON:CSN) is heavily dominated by institutional owners
- Mar -29 - Does Chesnara plc's (LON:CSN) Weak Fundamentals Mean A Downturn In Its Stock Should Be Expected?
- Dec -14 - With 79% institutional ownership, Chesnara plc (LON:CSN) is a favorite amongst the big guns
- Oct -08 - The past five years for Autoneum Holding (VTX:AUTN) investors has not been profitable
- Sep -24 - Chesnara First Half 2023 Earnings: EPS: UK£0.10 (vs UK£0.21 loss in 1H 2022)
- May -05 - Avantium (AMS:AVTX) shareholders have endured a 31% loss from investing in the stock five years ago
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Movestic
Expected Growth : 4.5 %
What the company do ?
Movestic is a Swedish life assurance company acquired by Chesnara plc in 2013, offering a range of life insurance and pension products.
Why we expect these perspectives ?
The Swedish life assurance market is driven by an aging population, increasing life expectancy, and a growing demand for pension products. Movestic's diverse product range and Chesnara's strategic acquisition will fuel growth.
Segment n°2 -> United Kingdom
Expected Growth : 5.3 %
What the company do ?
The United Kingdom, comprising England, Scotland, Wales, and Northern Ireland, is a sovereign state in Northwest Europe, with Chesnara plc operating in the insurance sector.
Why we expect these perspectives ?
The UK insurance market is driven by an aging population, increasing life expectancy, and a growing demand for protection products. Chesnara plc is well-positioned to capitalize on these trends, with a strong brand presence and diversified product offerings.
Segment n°3 -> Scildon
Expected Growth : 4.5 %
What the company do ?
Scildon is a UK-based life insurance business acquired by Chesnara plc in 2004, specializing in in-force life insurance policies.
Why we expect these perspectives ?
The UK life insurance market is driven by an aging population, increasing life expectancy, and a growing demand for protection products. Scildon's focus on in-force life insurance policies positions it for growth, leveraging Chesnara's expertise in acquiring and managing legacy portfolios.
Segment n°4 -> Waard Group
Expected Growth : 5.5 %
What the company do ?
The Waard Group is a European life insurance consolidator acquired by Chesnara plc, a UK-based insurance company, to expand its presence in the European market.
Why we expect these perspectives ?
The European life insurance market is expected to grow driven by increasing demand for protection products, an aging population, and consolidation in the industry. Chesnara plc's acquisition of The Waard Group will expand its presence in the European market, capitalizing on these trends.
Segment n°5 -> Other Group Activities
Expected Growth : 4.5 %
What the company do ?
Other Group Activities from Chesnara plc include corporate costs, reinsurance, and other miscellaneous activities not attributed to specific business segments.
Why we expect these perspectives ?
The Other Group Activities segment of Chesnara plc is expected to grow steadily, driven by increasing corporate costs, reinsurance, and miscellaneous activities. The growth is also fueled by the company's diversification strategy and expansion into new markets.
Chesnara Plc Products
| Product Range | What is it ? |
|---|---|
| Life Assurance Policies | Chesnara plc offers a range of life assurance policies that provide financial protection to individuals and families in the event of death or terminal illness. |
| Pensions and Retirement Savings | Chesnara plc provides a variety of pension and retirement savings products that help individuals plan for their retirement and achieve their long-term financial goals. |
| Annuities | Chesnara plc offers annuity products that provide a guaranteed income stream for life in exchange for a lump sum payment. |
| Protection Policies | Chesnara plc provides protection policies that offer financial protection against unexpected events such as critical illness, accident, or unemployment. |
| Investment Products | Chesnara plc offers a range of investment products that allow individuals to grow their wealth over time. |
Chesnara plc's Porter Forces
Threat Of Substitutes
Chesnara plc operates in the life insurance and pensions industry, where there are few substitutes for its products and services. However, the company faces competition from other insurance providers, which could lead to a moderate threat of substitutes.
Bargaining Power Of Customers
Chesnara plc's customers have limited bargaining power due to the complexity of its products and services. The company's customers are largely individual policyholders and pension scheme members, who have limited ability to negotiate prices or terms.
Bargaining Power Of Suppliers
Chesnara plc has a diverse supply chain, and its suppliers have limited bargaining power. The company is not heavily reliant on a single supplier, and it has a strong negotiating position due to its size and scale.
Threat Of New Entrants
The life insurance and pensions industry has high barriers to entry, including regulatory requirements and capital adequacy requirements. This makes it difficult for new entrants to enter the market, reducing the threat of new entrants to Chesnara plc.
Intensity Of Rivalry
The life insurance and pensions industry is highly competitive, with many established players competing for market share. Chesnara plc faces intense competition from other insurance providers, which could lead to a high level of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 36.75% |
| Debt Cost | 3.95% |
| Equity Weight | 63.25% |
| Equity Cost | 5.96% |
| WACC | 5.22% |
| Leverage | 58.10% |
Chesnara plc : Quality Control
Chesnara plc passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| VIL.PA | VIEL & Cie, société anonyme, an investment company, provides interdealer broking, online trading, and private banking services in Europe, the Middle East, Africa, the Americas, and the Asia-Pacific region. The … |
| WUW.DE | Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany, the Czech Republic, and internationally. It operates through Housing, Life and Health Insurance, Property/Casualty Insurance, … |
| BDB.MI | Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers deposits and loans. It also provides financial, banking, payment, … |
| BGEO.L | Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB. The … |
| VJBA.CO | Vestjysk Bank A/S provides banking products and services for private and business customers in Jutland, Denmark. The company accepts deposits. It also offers lending and financing for real estate, agriculture, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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VIEL
A-Score
1-Year Total Return ->
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Bank of Georgia
A-Score
1-Year Total Return ->
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Banco di Desio Brianza
A-Score
1-Year Total Return ->
4
Vestjysk Bank
A-Score
1-Year Total Return ->
5
Chesnara
A-Score
1-Year Total Return ->
6
