ScoreWhy is People's Insurance Plc ?
1
Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits
2
With ROE of 5.95%, it has a very expensive valuation with a 1.02 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -12.42%, its profits have fallen by -17.3%
3
Below par performance in long term as well as near term
- Along with generating -12.42% returns in the last 1 year, the stock has also underperformed Sri Lanka CSE All Share in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is People's Insurance Plc for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
People's Insurance Plc
-100.0%
0.67
40.02%
Sri Lanka CSE All Share
32.72%
1.90
17.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-1.21%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
39.26%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
14.65%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.02
EV to EBIT
NA
EV to EBITDA
44.18
EV to Capital Employed
1.02
EV to Sales
1.06
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
5.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 348.27
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at LKR 1,834.28 MM
OPERATING PROFIT(Q)
Highest at LKR 240.36 MM
PRE-TAX PROFIT(Q)
Highest at LKR 230.52 MM
NET PROFIT(Q)
Highest at LKR 156.4 MM
EPS(Q)
Highest at LKR 0.77
-2What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 5.71 %
Here's what is working for People's Insurance Plc
Interest Coverage Ratio
Highest at 348.27
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at LKR 1,834.28 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Net Sales
At LKR 1,834.28 MM has Grown at 26.53%
over average net sales of the previous four periods of LKR 1,449.72 MMMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 240.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Pre-Tax Profit
Highest at LKR 230.52 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Pre-Tax Profit
At LKR 230.52 MM has Grown at 95.06%
over average net sales of the previous four periods of LKR 118.18 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 156.4 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
Net Profit
At LKR 156.4 MM has Grown at 76.1%
over average net sales of the previous four periods of LKR 88.81 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 0.77
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
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
Here's what is not working for People's Insurance Plc
Debt-Equity Ratio
Highest at 5.71 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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