ScoreWhy is HNB Assurance Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.07%
2
Healthy long term growth as Net Sales has grown by an annual rate of 19.20%
3
Positive results in Sep 25
- OPERATING CASH FLOW(Y) Highest at LKR 12,453.87 MM
- INTEREST COVERAGE RATIO(Q) The company hardly has any interest cost
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
4
With ROE of 14.74%, it has a attractive valuation with a 1.36 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 33.67%, its profits have risen by 7% ; the PEG ratio of the company is 1.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HNB Assurance Plc should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HNB Assurance Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
HNB Assurance Plc
32.27%
3.03
33.21%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.20%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0.43
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.08%
Dividend Payout Ratio
30.84%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
1.36%
ROE (avg)
17.07%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.36
EV to EBIT
NA
EV to EBITDA
39.65
EV to Capital Employed
1.39
EV to Sales
0.62
PEG Ratio
1.23
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
14.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 12,453.87 MM
INTEREST COVERAGE RATIO(Q)
The company hardly has any interest cost
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at -5.68 %
NET SALES(Q)
Highest at LKR 8,803.55 MM
-1What is not working for the Company
OPERATING PROFIT MARGIN(Q)
Lowest at 4.83 %
Here's what is working for HNB Assurance Plc
Operating Cash Flow
Highest at LKR 12,453.87 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Net Sales
Highest at LKR 8,803.55 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Debt-Equity Ratio
Lowest at -5.68 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at LKR 127.29 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
Here's what is not working for HNB Assurance Plc
Operating Profit Margin
Lowest at 4.83 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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