Direct Line Insurance Group Plc

Direct Line Insurance (DLG)

Company name:Direct Line Insurance Group Plc
EPIC:DLGTrading Currency:GBX
Market Sector:F25FISIN:GB00BY9D0Y18
Market Segment:STMMShare Type:DE
WWW Address: 10 10/11P
 Price Price Change [%] Bid Offer Open High Low Volume
 295.60 6.8 [2.35] 295.60 295.80 290.80 296.80 290.50 1,615,210
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 4,064.50 1,375.00 0.07 25.80 22.10 11.46 7.48 345.60 - 259.60

Direct Line Insurance Key Figures

(at previous day's close)
Market Cap.4,064.50m
Shares In Issue1,375.00m
Prev. Close288.80
PE Ratio11.46 
Dividend Yield7.48%
EPS - basic25.80p
Dividend PS22.10p
Dividend Cover1.17 
Cash Flow PS42.52p
Return On Equity (ROE)12.05%
Operating Margin14.04%
PEG Factor-0.91 
EPS Growth Rate-12.54%
Dividends PS Growth Rate2.31%
Net Debt5,356.00m
Gross Gearing68.34%
Quick Assets2,194.30m
Net Working Capital2,183.80m
Intangibles / Fixed Assets12.45%
Turnover PS233.80p
Pre-Tax Profit PS32.83p
Retained Profit PS3.98p
Cash PS88.73p
Net Cash PS87.97p
Net Tangible Asset Value PS *154.30p
Net Asset Value PS221.54p
Spread0.20 (0.07%) 

Direct Line Insurance Balance Sheet


Share Price Performance

Sample Period HighLow
1 week296.80279.80
4 weeks299.40279.80
12 weeks304.00279.60
1 year345.60259.60

Share Price Chart (5 years)

Direct Line Insurance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week293.801.800.61279.803.34285.99
4 weeks291.304.301.48279.802.92289.32
12 weeks287.508.102.82279.603.75292.51
26 weeks314.20-18.60-5.92279.604.09302.44
1 year297.00-1.40-0.47259.604.15301.17
3 years336.80-41.20-12.23225.404.88307.27
5 years343.00-47.40-13.82225.404.94329.69

Direct Line Insurance Key Management Ratios

Direct Line Insurance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio5.95 
PE Ratio11.46 
Tobin's Q Ratio 0.43 
Tobin's Q Ratio (excl. intangibles)0.47 
Dividend Yield7.48%
Market-to-Book Ratio1.33 
Price-to-Pre-Tax Profit PS9.00 
Price-to-Retained Profit PS74.31 
Price-to-Cash Flow PS6.95 
Price-to-Sales PS1.26 
Price-to-Net Tangible Asset Value PS1.92 
Price-to-Cash PS3.33 
Net Working Capital PS158.82 
Price Pct to Working Capital PS1.86%
Earnings Yield8.73%
Average PE12.52 
Years in average5 
PE to PE average91.54%

Direct Line Insurance Financial Ratios

(Leverage Ratios)
Debt Ratio68.31%
Debt-to-Equity Ratio2.16 
Debt-to-Equity Ratio (excl. Intgbl)3.09 
Debt-to-Equity Market Value1.62 
Net Gearing55.66%
Net Gearing (excl. Intangibles)61.58%
Gross Gearing68.34%
Gross Gearing (excl. Intangibles)75.61%
Gearing Under 1 Year0.11%
Gearing Under 1 Year (excl. Intgbl)0.12%
(Liquidity Ratios)
Net Working Capital to Total Assets22.70%
Current Ratio208.98 
Quick Ratio (Acid Test)208.98 
Liquidity Ratio116.20 
Cash & Equiv/Current Assets55.60%
(Solvency Ratios)
Enterprise Value9,410.00m
CFO/Attributable Profit1.59 
Total Debt/Equity Market Value1.62 
Total Debt/Sales2.05 
Total Debt/Pre-Tax Profit14.57 
Total Debt6,576.10m
Total Debt/Net Current Assets3.01%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth4.81%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs3 
Beta (60-Mnth)Beta (36-Mnth)

Direct Line Insurance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)4.70%
Return On Assets (ROA)3.85%
Net Profit Margin11.42%
Assets Turnover0.34 
Return On Equity (ROE)12.05%
Return On Investment (ROI)3.87%
Dividend Payout Ratio85.66%
Plowback Ratio14.34%
Growth from Plowback Ratio1.74%
Net Income Of Revenues1.70%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.07 
Fixed Assets Turnover0.44 
Current Assets Turnover1.46 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.96 
Debt Collection Period127.29Days

Direct Line Insurance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
08 Mar 2021FinalGBX14.7031/12/201931/12/202008/04/202109/04/202120/05/202122.10
04 Aug 2020SpecialGBX14.4031/12/201931/12/202013/08/202014/08/202004/09/2020-
04 Aug 2020InterimGBX7.4031/12/201931/12/202013/08/202014/08/202004/09/2020-
03 Mar 2020FinalGBX14.4031/12/201831/12/201913/04/202014/04/202021/05/202021.60
31 Jul 2019InterimGBX7.2031/12/201831/12/201908/08/201909/08/201906/09/2019-
05 Mar 2019SpecialGBX8.3031/12/201731/12/201804/04/201905/04/201916/05/2019-
05 Mar 2019FinalGBX14.0031/12/201731/12/201804/04/201905/04/201916/05/201929.30
01 Aug 2018InterimGBX7.0031/12/201731/12/201809/08/201810/08/201807/09/2018-
27 Feb 2018SpecialGBX15.0031/12/201631/12/201705/04/201806/04/201817/05/2018-
27 Feb 2018FinalGBX13.6031/12/201631/12/201705/04/201806/04/201817/05/201835.40
01 Aug 2017InterimGBX6.8031/12/201631/12/201710/08/201711/08/201708/09/2017-
07 Mar 2017FinalGBX9.7031/12/201531/12/201616/03/201717/03/201718/05/201724.60
02 Aug 2016InterimGBX4.9031/12/201531/12/201611/08/201612/08/201609/09/2016-
02 Aug 2016SpecialGBX10.0031/12/201531/12/201611/08/201612/08/201609/09/2016-
02 Mar 2016SpecialGBX8.8031/12/201431/12/201510/03/201611/03/201619/05/2016-
02 Mar 2016FinalGBX9.2031/12/201431/12/201510/03/201611/03/201619/05/201650.10
04 Aug 2015InterimGBX4.6031/12/201431/12/201513/08/201514/08/201511/09/2015-
29 May 2015SpecialGBX27.5031/12/201431/12/201529/06/201530/06/201524/07/2015-
03 Mar 2015SpecialGBX4.0031/12/201331/12/201412/03/201513/03/201517/04/2015-
03 Mar 2015FinalGBX8.8031/12/201331/12/201412/03/201513/03/201517/04/201527.20
01 Aug 2014InterimGBX4.4031/12/201331/12/201413/08/201415/08/201412/09/2014-
01 Aug 2014SpecialGBX10.0031/12/201331/12/201413/08/201415/08/201412/09/2014-
26 Feb 2014SpecialGBX4.0031/12/201231/12/201312/03/201414/03/201420/05/2014-
26 Feb 2014FinalGBX8.4031/12/201231/12/201312/03/201414/03/201420/05/201416.60
02 Aug 2013InterimGBX4.2031/12/201231/12/201314/08/201316/08/201326/09/2013-
28 Feb 2013FinalGBX8.0031/12/201131/12/201206/03/201308/03/201311/06/20138.00

Direct Line Insurance Fundamentals

 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
pre tax profit539.0015.45%582.6016.96%509.7015.92%451.4014.04%m
attributable profit434.0012.44%473.7013.79%419.9013.11%367.2011.42%m
retained profit208.705.98%-30.10-0.88%-0.80-0.02%54.701.70%m
eps - basic (p)31.80 33.50 29.50 25.80 
eps - diluted (p)31.50 33.10 29.20 25.50 
dividends per share35.40 29.30 21.60 22.10 

Direct Line Insurance Balance Sheet

 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
fixed assets fixed assets174.401.75%156.201.66%143.401.52%146.101.52%m
intangibles intangibles471.104.74%556.805.93%851.709.03%924.609.61%m
fixed investments fixed investments6,812.4068.48%6,333.8067.48%6,222.4065.96%6,357.3066.07%m
current assets - other current assets - other4.200.04%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors1,127.5011.33%1,184.9012.62%1,268.1013.44%974.2010.12%m
cash & securities cash & securities1,358.6013.66%1,154.4012.30%948.6010.05%1,220.1012.68%m
creditors - short creditors - short--%--%50.300.53%10.500.11%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other2,396.2024.09%2,201.1023.45%2,315.2024.54%2,432.0025.27%m
subordinated loans subordinated loans264.702.66%259.502.76%259.002.75%516.605.37%m
insurance funds insurance funds4,225.7042.48%4,005.9042.68%3,819.6040.49%3,617.0037.59%m
ord cap, reserves ord cap, reserves3,061.6030.78%2,919.6031.11%2,990.1031.69%3,046.2031.66%m
prefs, minorities prefs, minorities--%--%--%--%m
NAV Basic- - - - 
NAV Diluted- - - - 

Direct Line Insurance Cash Flow Statement

31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
Operating CF545.90472.30462.10584.70m
Pre-Financing CF450.60330.50274.50423.70m
Retained CF193.70-212.10-196.10271.90m

Direct Line Insurance Brokers

HB Markets plcMarket Maker(MMF)Broker/DealerHOODHOPBGB2L
Shore Capital Stockbrokers LtdMarket Maker(MMF)Broker/DealerSCAPSHOCGB21
Seymour PierceMarket Maker(MMF)Broker/DealerSEYPSPBTGB21
Winterflood Securities LtdMarket Maker(MMF)Broker/DealerWINSWNTSGB2LBIC
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P: V:gb D:20210723 15:17:26