ScoreWhy is People's Insurance Plc ?
1
Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits
2
Flat results in Jun 25
- ROCE(HY) Lowest at 6.3%
- INTEREST COVERAGE RATIO(Q) Lowest at 173.77
- INTEREST(Q) Highest at LKR 20.4 MM
3
With ROE of 6.13%, it has a very expensive valuation with a 1.50 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 11.83%, its profits have fallen by -20.2%
4
Underperformed the market in the last 1 year
- The stock has generated a return of 11.83% in the last 1 year, much lower than market (Sri Lanka CSE All Share) returns of 60.36%
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%
0.90
40.97%
Sri Lanka CSE All Share
60.36%
3.50
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-1.55%
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
24
Industry P/E
Price to Book Value
1.50
EV to EBIT
NA
EV to EBITDA
67.03
EV to Capital Employed
1.50
EV to Sales
1.48
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
6.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 1,028.67 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-7What is not working for the Company
ROCE(HY)
Lowest at 6.3%
INTEREST COVERAGE RATIO(Q)
Lowest at 173.77
INTEREST(Q)
Highest at LKR 20.4 MM
Here's what is working for People's Insurance Plc
Operating Cash Flow
Highest at LKR 1,028.67 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)
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 35.45 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 People's Insurance Plc
Interest
At LKR 20.4 MM has Grown at 44.96%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (LKR MM)
Interest Coverage Ratio
Lowest at 173.77
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
Highest at LKR 20.4 MM
in the last five periods and Increased by 44.96% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (LKR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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