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Union Assurance Plc

  • Market Cap: Large Cap
  • Industry: Insurance
  • ISIN: LK0179N00008
LKR
75.00
11.8 (18.67%)

Dec 12

COL

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Janashakthi Insurance Co. Plc
Softlogic Life Insurance Plc
HNB Assurance Plc
Union Assurance Plc
Why is Union Assurance Plc ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 14.01%
  • Poor long term growth as Operating profit has grown by an annual rate of 0%
2
Negative results in Jun 25
  • OPERATING PROFIT(Q) Lowest at LKR 288.36 MM
  • OPERATING PROFIT MARGIN(Q) Lowest at 3.4 %
  • PRE-TAX PROFIT(Q) Lowest at LKR 288.36 MM
3
With ROE of 17.65%, it has a expensive valuation with a 2.28 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 37.11%, its profits have fallen by 0%
  • At the current price, the company has a high dividend yield of 0.1
4
Underperformed the market in the last 1 year
  • The stock has generated a return of 37.11% in the last 1 year, much lower than market (Sri Lanka CSE All Share) returns of 60.36%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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 Union Assurance Plc for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Union Assurance Plc
-100.0%
1.46
36.59%
Sri Lanka CSE All Share
60.36%
3.50
17.24%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
15.80%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0.01
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.40%
Dividend Payout Ratio
78.76%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
14.01%
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.28
EV to EBIT
NA
EV to EBITDA
71.74
EV to Capital Employed
2.34
EV to Sales
1.45
PEG Ratio
NA
Dividend Yield
0.12%
ROCE (Latest)
ROE (Latest)
17.65%
stock-recommendationTechnicals
Technical 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 Bullish
OBV
Mildly Bearish
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company
OPERATING CASH FLOW(Y)

Highest at LKR 14,495.23 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-5What is not working for the Company
OPERATING PROFIT(Q)

Lowest at LKR 288.36 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 3.4 %

PRE-TAX PROFIT(Q)

Lowest at LKR 288.36 MM

NET PROFIT(Q)

Lowest at LKR 286.51 MM

EPS(Q)

Lowest at LKR 0.49

Here's what is working for Union Assurance Plc
Operating Cash Flow
Highest at LKR 14,495.23 MM and Grown
In each year in the last three years
MOJO 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

Here's what is not working for Union Assurance Plc
Operating Profit
Lowest at LKR 288.36 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (LKR MM)

Operating Profit Margin
Lowest at 3.4 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at LKR 288.36 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (LKR MM)

Net Profit
Lowest at LKR 286.51 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (LKR MM)

EPS
Lowest at LKR 0.49
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (LKR)

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