Share Name Share Symbol Market Type Share ISIN Share Description
Rsa Ins. LSE:RSA London Ordinary Share GB00BKKMKR23 ORD GBP1.00
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  -8.00p -1.47% 538.00p 538.00p 538.50p 544.50p 536.50p 542.00p 721,956 12:13:05
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Nonlife Insurance 6,683.0 106.0 22.3 24.1 5,483.16

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Date Time Title Posts
23/9/201609:50THE FUTURE IS SUNNY::::::::THE FUTURE IS RSA !8,661
13/5/201418:51royal sun alliance-
25/2/201415:49RSA277
13/11/201321:44Only worth 17p on fundamentals....22
19/2/201315:47RSA52

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12:54:07538.007123,830.56AT
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DateSubject
26/9/2016
09:20
RSA Insurance Daily Update: Rsa Ins. is listed in the Nonlife Insurance sector of the London Stock Exchange with ticker RSA. The last closing price for RSA Insurance was 546p.
Rsa Ins. has a 4 week average price of 517.68p and a 12 week average price of 504.46p.
The 1 year high share price is 554.50p while the 1 year low share price is currently 371p.
There are currently 1,019,174,129 shares in issue and the average daily traded volume is 2,547,695 shares. The market capitalisation of Rsa Ins. is £5,483,156,814.02.
22/9/2016
11:58
chancer: Zurich were forced to pull out following their liabilities in China after a major explosion. RSA were informed on the Sunday and therefore market opened on Monday with bad news and 20% drop in share price. Seems so long ago. The former CEO Martin Senn committed suicide. No link intended. Did someone make a killing on the Friday knowing the deal was not going through ? Anyway, even if RSA hit £6:00 (which is largely expected in the know) it is still a bargain and relates to £1:20 a share before the last consolidation 1 for 5 shares. Rumour has it that the future long share price should or could be trading in the range of £6 -£7 if future forcasts are correct.
24/5/2016
12:42
loganair: I see that the RSA share price is starting to close in on the Zurich Insurance take over offer price of last year, so it seems for once that a companies CEO was right when he said that the offer under valued the said company.
22/8/2015
09:28
loganair: As a long suffering share holder of RSA, personally I do not wish Hester to sell out to Zurich for less than 600p. If Zurich are not willing to pay 600p Hester tell them to just go away. I'm saying this as in my good opinion this time next year RSA share price will be around the 500p level with a dividend for 2016 in the region of 15p and with a little good fortune for 2017 20p as RSA have said many, many times that they will be paying 40% to 50% of their profits in dividends. If RSA remains independent I can see good dividend growth over the next few years and that is what is important, dividend growth. Between them Artimis, Schroders and Newton own 51.31% of RSA, so basically the decision on whether Zurich takes over RSA is up to just these 3.
07/8/2015
08:10
dutch123: Zurich Insurance Group can justify going the extra mile if it really wants RSA. Disappointing results from the Swiss insurer on Aug. 6 – and expectation-beating ones from the UK-based rival it says it might bid for – make it harder for Zurich to offer less than the 515 pence at which RSA has been trading since a deal was first mooted. Fortunately, it could offer up to 600 pence without destroying value. RSA Zurich boss Martin Senn reiterated on Thursday his reluctance to make a formal approach unless an RSA deal could hit his return requirements of around 10 percent. If he offered 600 pence a share – a 36 percent premium to RSA’s undisturbed share price on July 27 – Zurich’s return would just sneak over that level. The maths works thus. At 600p, RSA’s market capitalisation plus borrowings amounts to 7.4 billion pounds. Suppose RSA can increase the 483 million pounds in operating profit it made in the second half of last year and the first half of 2015 by 15 percent annually. Then assume 200 million pounds of pre-tax cost synergies, pushing operating profit in three years to 748 million pounds. Zurich’s return that year would be 10.2 percent. Those assumptions don’t look too taxing. Consensus operating profit figures from 11 analysts on RSA’s own website imply 16 percent growth this year. And 200 million pounds of synergies implies 15 percent of operational cost savings in RSA’s main markets like the UK and Canada, according to Deutsche Bank analysis. That doesn’t mean Zurich will come charging in at 600p. RSA’s pension deficit of at least 600 million pounds could reduce the headroom. And RSA Chief Executive Stephen Hester is already hacking back group costs unaided. Any cross-border deal will have execution risks. Still, Zurich’s all-important combined ratio – the extent to which premiums covered claims – slipped back in the first half to 98 percent, while RSA’s improved to 97 percent. With RSA seemingly heading in the right direction, Senn may have to offer more. The good thing for Zurich shareholders is that it looks like he can.
03/8/2015
10:56
loganair: Stephen Hester’s role at risk as offer for RSA looks likely: “I’m not a great fan of the valuation of RSA, but I think what [Hester] has done is probably the right thing,” said Barrie Cornes, analyst at Panmure Gordon. “He raised money and cut the dividend, he did a large reinsurance deal – and he did all this in very short order.” Cornes noted that at one point in the midst of RSA’s downward spiral, ratings agency Standard & Poor’s considered downgrading the insurer’s rating to BBB plus, a move that would have proven catastrophic for the firm. Had the downgrade taken place, brokers would not have been able to place business with RSA, said Cornes. “But Hester recovered it and the downgrade didn’t happen,” he added. “I’m not a great fanboy of his but I think he did the right things,” he reiterated. “He was brought in to take some very hard decisions and big steps and that’s what he has done.” However, despite making several difficult decisions, Hester has not met with universal approval, and RSA’s share price still has not recovered to where investors want it to be. Following publication of the company’s 2014 results earlier this year, analysts at London Capital Group noted that, while the turnaround plan was “on the right track”, share price reaction has been “muted so far”. Meanwhile, Cornes said that the potential Zurich offer was a reflection of the underpriced nature of RSA’s stock prior to last Thursday. Michael van Dulken at Accendo Markets pointed out that Hester made “quite a sudden departure from RBS”, a tactful allusion to the political decisions that led to Hester’s resignation from the bank – when he stood down in June 2013, sources at the bank said chancellor George Osborne had precipitated the move. Van Dulken also highlighted recent high-level departures from Barclays, including chief executive Antony Jenkins and outgoing deputy chairman Sir Mike Rake – moves that seemingly came out of the blue, but are widely believed to have been driven by new chairman John McFarlane in an effort to accelerate progress at the bank. “Boardroom departures like that suggest that maybe things aren’t changing quickly enough,” agreed Van Dulken. While he acknowledged that Hester had arguably walked into a more difficult task at RSA compared with RBS, Van Dulken added: “Since he has been at RSA to be honest it’s not a name that most of our clients are particularly interested in.” Given that RSA’s share price has proved so resistant to his much-touted turnaround abilities, Van Dulken said: “A successful deal for the business might be the best exit strategy for Hester.” If RSA is eventually bought by Zurich, Hester’s role will be thrown under even great scrutiny.
28/7/2015
12:57
loganair: Clearly, there has been discussion of the potential for takeovers within the insurance market in recent months, with a combination of low valuations and new rules regarding cash balances making diversification and mergers a more appealing prospect. And, in the last month, shares in RSA have gradually crept up from less than 400p to 450p prior to today’s announcement from Zurich. Of course, on the one hand a takeover for RSA would be good news for the company’s investors. It is likely to mean a substantial premium to the company’s share price prior to today’s announcement and, for investors looking for a quick gain, this would be a dream scenario. However, for longer term investors, the company’s new strategy holds considerable promise and it could be argued that there is significant potential for further capital gains in 2016 and beyond without RSA being taken over. In fact, RSA’s new management team, led by Stephen Hester, is doing a very good job of rationalising the business and shoring up its financial standing. As such, RSA is set to return to profitability in the current year and post earnings growth of 7% next year. This shows that the company is moving in the right direction and, with RSA trading on a price to book (P/B) ratio of just 1.16 even after today’s share price move, it appears to be very cheap at the present time. As a result, share price appreciation over the medium to long term appears to be very much on the cards without a bid. Furthermore, RSA looks set to become an excellent dividend stock once more, with its shareholder payouts having the potential to increase at a rapid rate over the medium term. For example, it may yield only 2.1% after today’s share price rise but, with dividends being covered almost three times by net profit, there is tremendous scope for their rise moving forward. And, when earnings growth is also factored in, RSA could return to its status as a great income play in the years ahead. Certainly, the fact that RSA is the subject of considerable takeover speculation shows that the company is turning its fortunes around after the accounting scandal and profit warnings that occurred in recent years. However, there could still be considerable value to be unlocked, which means that investors in the company seem to be in a win-win situation so that they stand to benefit whether a bid is made for the company, or not.
28/7/2015
10:01
loganair: The cash-rich group confirmed speculation this morning that it was considering a bid for the group, which employs 1,500 staff in Liverpool at its Old Hall Street offices and its More Th>n general insurance operation. The group put a statement out this morning, saying: “Zurich notes the recent market speculation in relation to RSA Insurance Group PLC and confirms that the company is evaluating a potential offer. “This announcement does not amount to a firm intention to make an offer and there can be no assurance that any offer will be made.” However, stockbroker Panmure Gordon said it believes an offer will be made. Analyst Barrie Cornes said today: “Zurich Insurance has confirmed that it is considering a possible bid for RSA following the recent press speculation that has seen RSA’s share price move up very quickly in the last week or two from sub 400p/share to 438p/share. “While there is, of course, no certainty that a bid will be forthcoming we think that one is likely.” Zurich has until August 25, to make a firm offer or announce that it does not intend to make an offer. But Mr Cornes believes now that Zurich has broken cover, it could force other bids into the open. “We think that RSA is now effectively in play. “We believe that others will now place the slide rule over the company that has, for many many years, been a perennial takeover story. “We think that RSA’s core businesses of UK, Canada and Scandinavia all hold attractions, while the Latin American business could be sold off for circa £400m to £500m as has been speculated previously. “We think that AXA or a number of other US and European insurers could be interested.” Reports claim that Zurich, worth around £30bn, could bid up to £5.5bn for RSA. Analysts claim Zurich has around £2bn in surplus cash and could take on debt of up to £3.2bn. New European rules governing how much money insurers must set aside to protect against potential market shocks has already prompted some deals as the industry seeks to diversify operations, and analysts expect more. RSA, which is valued at around £4.45bn, has declined to comment. Shares in RSA were up 12.4% at 490 pence in early trading, while Zurich shares were down 2.4%. In February this year RSA announced full results that showed it had returned to profit. Net written premiums were down 8% to £7.5bn, reflecting its disposals strategy under chief executive Stephen Hester to offload non-core businesses and bolster its financial base, while profit before tax came in at £275m, compared with a £244m loss last year. Shore Capital analyst Eamonn Flanagan said Zurich had looked at RSA in the past and has money to spend. He said that an outright sale of RSA was preferable to speculation that it could be broken up. “We haven’t been keen on the break-up story on RSA due to the pension scheme deficit ... but a bid for the whole group is a story with legs,” he said.
23/11/2014
11:47
loganair: I am hoping for the RSA share price to fall a little as I would like to pick up a few more at between 400p and 430p.
27/3/2014
13:55
woodwards26: Halifax has a 4th option cashless take up of rights 3 Nil Paid Rights for every 8 RSA Insurance Group PLC (RSA) Ordinary shares held on the Ex-entitlement Date of 26th March 2014. Each Nil Paid Right entitles the holder to subscribe for 1 New RSA Ordinary share at a price of 56 pence per New Ordinary share. Holders of Nil Paid Rights have the following options: Option 1 - Take up their Rights. Option 2 - Partial take up of their Rights. Option 3 - Sell their Rights. Option 4 - Cashless take up of their Rights. How This Affects You:You Have The Following Options: 1 Take up your Rights to buy xxxxxx RSA INSURANCE GRP shares at a cost of xxxxGBP. We will process your instruction on or after 03 April 2014.Your election will be applied to your holding of Nil Paid Rights at this time and based on the terms of the Offer. Please ensure funds to take up your Rights are available as detailed in the 'How Will Payment be Made?' section.If you do not have sufficient cleared funds to take up all of the specified number of shares then we will take up the maximum number of shares we can based on the funds available.2 Take up your Rights to buy a specified number of RSA INSURANCE GRP shares. We will process your instruction on or after 03 April 2014.Your election will be applied to your holding of Nil Paid Rights at this time and based on the terms of the Offer. Please ensure funds to take up your Rights are available as detailed in the 'How Will Payment be Made?' section.If you do not have sufficient cleared funds to take up all of the specified number of shares then we will take up the maximum number of shares we can based on the funds available.3 Sell your RSA INSURANCE GRP Nil Paid Rights. If you wish to sell your Rights, the following conditions will apply:Your Nil Paid Rights will be sold on the next working day after we receive your instruction and will be based on your holding of Nil Paid Rights at that time.We will only attempt to sell your Nil Paid Rights once. No further attempts will be made.A contract note will be made available confirming the sale details.We may aggregate your sale order with orders from other RSA INSURANCE GRP shareholders opting to sell RSA INSURANCE GRP Nil Paid Rights; this may result in a slightly more or less favourable price than a sale of your Rights alone. The price obtained will be the best price available at the time we execute your deal in the market.Our standard dealing charges will apply.The availability of this option is dependent on there being a market for the Nil Paid Rights. If there is no market available we will not be in position to sell the Nil Paid Rights on your behalf. Should we not be able to sell the Nil Paid Rights we will instead allow the Nil Paid Rights to lapse.4 Fund the take up of the Rights by selling some of your RSA INSURANCE GRP Nil Paid Rights. If you wish to sell some of your Rights in this way, the following conditions will apply:We will sell sufficient Rights to take up the Rights on the remainder.Your Nil Paid Rights will be sold on the next working day after we receive your instruction and will be based on your holding of Nil Paid Rights at that time.We will only attempt to sell your Nil Paid Rights once. No further attempts will be made.A contract note will be made available confirming the sale details.We may aggregate your sale order with orders from other RSA INSURANCE GRP shareholders opting to sell RSA INSURANCE GRP Nil Paid Rights; this may result in a slightly more or less favourable price than a sale of your Rights alone. The price obtained will be the best price available at the time we execute your deal in the market.Our standard dealing charges will apply.The remaining Rights will be taken up under the terms of the Rights Issue.The availability of this option is dependent on there being a market for the Nil Paid Rights. If there is no market available we will not be in position to sell the Nil Paid Rights on your behalf. Should we not be able to sell the Nil Paid Rights we will instead allow the Nil Paid Rights to lapse.Lapse - If you decide to take no action your Rights will expire or lapse after the Offer closes.The Company will arrange for the shares that these Rights entitled you to buy to be offered for sale in the market. Any premium obtained above the Rights Issue price, less expenses, will then be paid to you. The total number of shares you will own will stay the same. However, the proportion of the company you own will reduce as more shares will be in issue.Important Information & Other Key Dates:On 25th March 2014, the Board of RSA announced the launch of a fully underwritten Rights Issue to raise GBP773 million in proceeds (GBP748 million net of expenses). The net proceeds of the Rights Issue will be held as cash or low-risk investments in order to improve the Group's capital strength and surplus over its capital requirements.The Rights Issue price of 56 pence per New Ordinary share represents a 40 percent discount to the closing price of 93.4 pence per Existing Ordinary share on 24th March 2014, the last business day prior to the announcement of the Rights Issue.The Nil Paid Rights were admitted to trading on the London Stock Exchange's (LSE's) main market for listed securities on 26th March 2014, with dealings in the Nil Paid Rights also commencing on that date.Please note that as a result of the Rights Issue the book cost of your underlying Ordinary shares will be adjusted to reflect the crediting of the Nil Paid Rights to your account. This figure represents the book cost apportioned to the Nil Paid Rights for taxation purposes. The availability of all options which involve selling Nil Paid Rights is dependent on there being a market for the Nil Paid Rights. If there is no market we will not be in a position to sell the Nil Paid Rights on your behalf. Should we not be able to sell the Nil Paid Rights we will instead allow the Nil Paid Rights to lapse.If you accept the Rights Issue, the New Ordinary shares are expected to be credited to accounts on 10th April 2014, with trading of the New Ordinary shares on the LSE also commencing on that date.Unless you hold your shares in a ShareBuilder account, entitlements to New Ordinary shares will be rounded down to the nearest whole number. Any fractional entitlements will not be issued and instead will be aggregated and sold in the market for the benefit of the Company.If you wish to accept the Rights Issue and intend to fund the take up of your Rights by selling existing shares held in your portfolio, you will need to ensure that the trade settles on or before 3rd April 2014 in order to ensure cleared funds are available by our deadline.Before making any decision please take into consideration all relevant factors of the event including the current share price and any possible tax implications. If you require any further information in making your decision please contact an appropriate professional advisor.If you have any queries regarding this event please do not hesitate to contact us.Should you wish to find more information about the Rights Issue or the Capital Reorganisation, please visit the RSA website, www.rsagroup.com.What Happens If I Don't Elect ?If we do not receive a valid election from you, your Rights will lapse. Should lapsed proceeds be issued, we will credit your account as soon as payment is received.When Is The Last Time I Can Elect ?Please ensure you submit your option before 03 April 2014 to enable us to process your instruction in accordance with the Company's timetable for this event.How Will Payment Be Made ?Your Cash Management Account must be funded with sufficient cash by 03 April 2014.
14/12/2013
13:03
spob: December 13, 2013 6:08 pm RSA looks in need of fresh capital By Alistair Gray and David Oakley FT A decade ago RSA earned the nickname Rapidly Shrinking Assurance when it sold off big chunks of its operations, helping revive the fortunes of the then-troubled insurer. On Friday, after RSA issued its third profit warning within a month, investors were left asking whether another bout of slimming down would work this time. More ON THIS STORY RSA warns as losses at Irish unit mount Video Crisis at RSA Lex RSA – not so assured Ireland poised to exit EU bailout RSA's Irish expansion runs out of luck ON THIS TOPIC European storm to cost insurers €1.4bn Lombard RSA / Thomas Cook / bricks RSA Irish chief resigns amid probe Questions linger over regulation as RSA Ireland chief exits IN INSURANCE Regulators warn on insurance accounting Ward joins Brit as owners eye exit Prudential raises dividend expectations Swiss Re hunt for Admin Re partner continues The UK's biggest non-life insurer by market capitalisation, whose chief executive Simon Lee finally stood aside on Friday after months of questions about his future, looks like it needs fresh capital. Richard Houghton, finance director, says the group's capital position is "adequate" but adds: "We want to be in a far more comfortable position." "Adequate isn't good enough," says Barrie Cornes, analyst at Panmure Gordon. Most big listed UK insurers hold at least £1.5bn more than the funds required by regulators but RSA is now estimated to have a surplus of little more than £600m. How RSA will shore up its balance sheet is less clear than its need to do so, however. "They are caught between a rock and a hard place," as one top 10 investor in RSA sums up the mounting problems at the insurer. For some companies needing to raise cash, the answer would be simple enough – launch a rights issue. However, given the weakness of RSA's shares – which fell 7 per cent on Friday – and that the group is so out of favour in the City, its board may struggle to successfully go cap in hand to shareholders. Martin Scicluna, chairman, appears to recognise this – at least for now. "We will do everything necessary to ensure our capital is strong, and is perceived to be strong," he says. But he adds that RSA has "no current plans" to raise fresh capital from shareholders. His problem is that few of the alternatives look particularly palatable. Although Mr Scicluna would not spell it out on Friday, it now looks highly likely that RSA will cut its dividend for a second consecutive year. We will do everything necessary to ensure our capital is strong, and is perceived to be strong - Martin Scicluna, chairman Even so, cutting the payout will be no panacea for the group's ills. RSA is looking at disposals to shore up its balance sheet. "We've got some excellent businesses around the world, some excellent assets," says Mr Scicluna. "Nothing is ruled in on any countries; nothing is ruled out." All or parts of RSA could be of interest to European insurers such as Zurich or Allianz. Most of the disposal options seem to have big drawbacks for RSA, however. A sale of the Scandinavian business would be likely to bring in the heftiest sum for RSA, but the group is heavily reliant on cash flow from its operations in the region, say analysts at Berenberg. Alternatively, RSA could sell its Canadian or Latin American business for a premium to its book value. However, Berenberg warns RSA would then be shedding some of its brightest prospects. Meanwhile, the likelihood of a single-digit return on equity this year with reduced dividends will be far from pleasing to RSA investors. Several top shareholders welcome Simon Lee's decision to quit – he will receive a year's salary of £824,000 – as they say his position had become untenable. RSA could use his departure as a platform for a turnround, they say. I would like to see some more reassuring comments from the chairman that they are taking action to stop the rot - Leading RSA investor Even so, the mounting problems with its Irish unit, where there are alleged accounting irregularities, and concerns that the books had been signed off by Deloitte, the tax and consulting group, run deep and will not be solved by a simple change at the top. Indeed, even though he has only been in the job for less than a year, there are already question marks over Mr Scicluna's stewardship as chairman. For now though his position looks secure. The disruption caused by forcing him out would risk a further crumbling in the share price. He is now set for a spell lasting several months as an executive chairman while RSA looks for a permanent successor to Mr Lee. The obvious internal candidate for the job, say analysts, is Adrian Brown, who runs RSA's UK business and is temporarily looking after Ireland. Rowan Saunders, chief executive of the group's Canada business, is an outside possibility. Analysts speculated on Friday that RSA could even turn to its former chief executive, Andy Haste. For the time being, the group has indicated that shareholders will need to wait until RSA's full-year results in February to learn about the concrete steps it plans to take to boost its balance sheet. That is not good enough for some. "I would like to see some more reassuring comments from the chairman that they are taking action to stop the rot," says one of RSA's leading 10 investor. "That would be a step in the right direction." Price of debacle While RSA has been at pains to stress that none of its policyholders have been adversely affected by its financial difficulties at its Irish arm, consumers in the Republic could still pay the price of the debacle through higher insurance premiums, write Alistair Gray and Jamie Smyth. The insurer has moved to reassure customers that in spite of the accounting irregularities discovered in Ireland, it is still paying policyholders' claims as normal. Even so, the problems of RSA in Ireland – where it operates the well known brand 123.ie – are likely to have a knock on effect on the wider insurance market in the Republic. Jonathan Hehir, managing director of Coverinaclick.ie, an Irish insurance broker, says: "We have already had 123.ie customers contacting us looking for an alternative quote after being hit by a 30 per cent increase in their renewal premium." RSA had been aggressively growing in the Republic. Its expansion has kept the market competitive: motor premiums fell by an estimated 10 per cent in the year to October. But some brokers believe a more cautious approach from RSA will contribute to upward pressure on premiums. "We estimate that motor insurance premiums will increase by 10-15 per cent over the next 12 months," says Mr Hehir. Although apparent irregularities in the way RSA accounted for premiums and claims are company-specific, brokers say there is also a wider trend of more frequent and higher-cost injury claims that applies to the insurance market overall. Ciaran Phelan, chief executive of the Irish Brokers Association, says: "There has been a significant increase in claims over the last couple of years and it is inevitable that this will lead to some hardening in rates." Comments Sorted by newest first | Sort by oldest first Reportmfj775 | December 14 10:29am | Permalink After nearly 50 years with the RSA, and having become disenchanted with the terms and conditions of both the RSA Homeowners' policy and its motor policy, I moved my business to the Zurich for my house and to AXA for my car. I not only saved money by my move but the terms and conditions were much better. I tried to point out to RSA the reasons for my move but they ignored me. As a former FTSE finance director I can only say that I am not surprised at their problems.
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