Financials Renaissance Insurance Group

Equities

RENI

RU000A0ZZM04

Life & Health Insurance

End-of-day quote Moscow Micex - RTS 18:00:00 2022-07-07 EDT 5-day change 1st Jan Change
47.25 RUB -0.40% Intraday chart for Renaissance Insurance Group -.--% -.--%

Valuation

Fiscal Period: December 2021 2023
Capitalization 1 56,252 26,316
Enterprise Value (EV) 1 53,165 12,167
P/E ratio 12.5 x 2.46 x
Yield - 21.2%
Capitalization / Revenue 0.53 x 0.19 x
EV / Revenue 0.5 x 0.09 x
EV / EBITDA 13.7 x 1.21 x
EV / FCF -66.3 x -
FCF Yield -1.51% -
Price to Book 0.97 x 0.59 x
Nbr of stocks (in thousands) 556,953 556,953
Reference price 2 101.0 47.25
Announcement Date 22-03-28 24-03-12
1RUB in Million2RUB
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2023
Net sales 1 75,578 81,430 93,202 105,862 136,069
EBITDA 1 4,386 5,512 5,549 3,871 10,026
EBIT 1 4,228 5,310 5,337 3,645 9,733
Operating Margin 5.59% 6.52% 5.73% 3.44% 7.15%
Earnings before Tax (EBT) 1 4,189 5,224 5,738 3,466 13,104
Net income 1 3,378 4,147 4,680 3,591 10,328
Net margin 4.47% 5.09% 5.02% 3.39% 7.59%
EPS 2 8.244 10.12 11.42 8.068 19.24
Free Cash Flow 1 -19,453 -13,200 -25,867 -801.7 -
FCF margin -25.74% -16.21% -27.75% -0.76% -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - 10.00
Announcement Date 19-10-02 20-10-04 21-03-08 22-03-28 24-03-12
1RUB in Million2RUB
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2023
Net Debt 1 - - - - -
Net Cash position 1 5,323 6,561 10,062 3,087 14,149
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow 1 -19,453 -13,200 -25,867 -802 -
ROE (net income / shareholders' equity) 16.6% 17.6% 16.8% 7.87% -
ROA (Net income/ Total Assets) 2.76% 2.8% 2.26% 1.33% -
Assets 1 122,293 148,352 207,152 269,870 -
Book Value Per Share 2 52.80 62.40 73.80 105.0 80.60
Cash Flow per Share 2 19.10 25.90 33.80 15.40 30.90
Capex 1 274 367 820 918 1,787
Capex / Sales 0.36% 0.45% 0.88% 0.87% 1.31%
Announcement Date 19-10-02 20-10-04 21-03-08 22-03-28 24-03-12
1RUB in Million2RUB
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

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