Direct Line Insurance Group Plc

Direct Line Insurance (DLG)

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Company name:Direct Line Insurance Group Plc
EPIC:DLGTrading Currency:GBX
Market Sector:FS10ISIN:GB00BY9D0Y18
Market Segment:SET1Share Type:DE
WWW Address:http://www.directline.com/Description:ORD 10 10/11P
Industry Sector:NONLIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 323.30 uk.advfn.com/p.php?gfx=/gb/down -0.6 [-0.19] 322.90 323.00 323.20 323.80 321.10 2,740,604
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 4,445.38 1,375.00 0.01 33.50 29.30 9.65 9.06 366.60 - 300.70

Direct Line Insurance Key Figures

(at previous day's close)
Market Cap.4,445.38m
Shares In Issue1,375.00m
Prev. Close323.90
PE Ratio9.65 
Dividend Yield9.06%
EPS - basic33.50p
Dividend PS29.30p
Dividend Cover1.14 
Cash Flow PS34.35p
Return On Equity (ROE)16.22%
Operating Margin16.96%
PEG Factor1.81 
EPS Growth Rate5.35%
Dividends PS Growth Rate-17.23%
Net Debt5,312.10m
Gross Gearing68.89%
Quick Assets2,339.30m
Net Working Capital-m
Intangibles / Fixed Assets7.90%
Turnover PS249.90p
Pre-Tax Profit PS42.37p
Retained Profit PS-2.19p
Cash PS83.96p
Net Cash PS83.96p
Net Tangible Asset Value PS *171.84p
Net Asset Value PS212.33p
Spread0.10 (0.03%) 

Direct Line Insurance Balance Sheet

LSE:DLG:Liabilities+EQLSE:DLG:Assets

Share Price Performance

Sample Period HighLow
1 week329.20321.10
4 weeks329.20312.00
12 weeks366.60309.40
1 year366.60300.70

Share Price Chart (5 years)

Direct Line Insurance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week325.00-1.70-0.52321.103.37325.19
4 weeks325.30-2.00-0.61312.003.96320.45
12 weeks358.90-35.60-9.92309.404.83331.49
26 weeks305.6017.705.79301.404.46334.56
1 year350.10-26.80-7.65300.704.98331.17
3 years345.90-22.60-6.53300.705.00352.32
5 years263.5059.8022.69260.304.96345.82

Direct Line Insurance Key Management Ratios

Direct Line Insurance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio7.46 
PE Ratio9.65 
Tobin's Q Ratio 0.46 
Tobin's Q Ratio (excl. intangibles)0.49 
Dividend Yield9.06%
Market-to-Book Ratio1.52 
Price-to-Pre-Tax Profit PS7.63 
Price-to-Retained Profit PS-147.69 
Price-to-Cash Flow PS9.41 
Price-to-Sales PS1.29 
Price-to-Net Tangible Asset Value PS1.88 
Price-to-Cash PS3.85 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield10.36%
Average PE12.27 
Years in average5 
PE to PE average78.64%

Direct Line Insurance Financial Ratios

(Leverage Ratios)
Debt Ratio68.89%
Debt-to-Equity Ratio2.21 
Debt-to-Equity Ratio (excl. Intgbl)2.74 
Debt-to-Equity Market Value1.45 
Net Gearing56.60%
Net Gearing (excl. Intangibles)60.16%
Gross Gearing68.89%
Gross Gearing (excl. Intangibles)73.24%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity3.21 
Cash/Equity39.54 
(Liquidity Ratios)
Net Working Capital to Total Assets24.92%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets49.35%
(Solvency Ratios)
Enterprise Value9,757.48m
CFO/Sales0.14 
CFO/Attributable Profit1.00 
CFO/Assets0.05 
CFO/Debt0.07 
Total Debt/Equity Market Value1.45 
Total Debt/Sales1.88 
Total Debt/Pre-Tax Profit11.10 
Total Debt6,466.50m
Total Debt/Net Current Assets2.76%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth17.98%
5 yr Compound Earnings Growth6.11%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs1 
Beta (60-Mnth)Beta (36-Mnth)
0.01180.0155

Direct Line Insurance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)6.21%
Return On Assets (ROA)4.90%
Net Profit Margin13.79%
Assets Turnover0.36 
Return On Equity (ROE)16.22%
Return On Investment (ROI)4.90%
Dividend Payout Ratio87.46%
Plowback Ratio12.54%
Growth from Plowback Ratio1.99%
Net Income Of Revenues-0.88%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.15 
Fixed Assets Turnover0.47 
Current Assets Turnover1.42 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.81 
Debtors-to-Sales33.65%
Debt Collection Period122.82Days

Direct Line Insurance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
05 Mar 2019FinalGBX14.0031/12/201731/12/201804/04/201905/04/201916/05/201929.30
05 Mar 2019SpecialGBX8.3031/12/201731/12/201804/04/201905/04/201916/05/2019-
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 2015FinalGBX8.8031/12/201331/12/201412/03/201513/03/201517/04/201527.20
03 Mar 2015SpecialGBX4.0031/12/201331/12/201412/03/201513/03/201517/04/2015-
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 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
turnover3,269.80100.00%3,337.40100.00%3,489.70100.00%3,436.10100.00%m
pre tax profit507.5015.52%353.0010.58%539.0015.45%582.6016.96%m
attributable profit580.4017.75%278.808.35%434.0012.44%473.7013.79%m
retained profit-85.60-2.62%-171.80-5.15%208.705.98%-30.10-0.88%m
eps - basic (p)40.60 20.40 31.80 33.50 
eps - diluted (p)40.10 20.20 31.50 33.10 
dividends per share50.10 24.60 35.40 29.30 

Direct Line Insurance Balance Sheet

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
LSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:Assets
 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
ASSETS
fixed assets fixed assets186.301.87%180.901.79%174.401.75%156.201.66%m
intangibles intangibles524.805.27%508.905.03%471.104.74%556.805.93%m
fixed investments fixed investments7,209.9072.41%7,142.6070.57%6,812.4068.48%6,333.8067.48%m
current assets - other current assets - other5.100.05%3.800.04%4.200.04%--%m
stocks stocks--%--%--%--%m
debtors debtors1,066.8010.71%1,119.4011.06%1,127.5011.33%1,184.9012.62%m
cash & securities cash & securities963.709.68%1,166.1011.52%1,358.6013.66%1,154.4012.30%m
TOTAL9,956.60100%10,121.70100%9,948.20100%9,386.10100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other2,281.0022.91%2,394.0023.65%2,396.2024.09%2,201.1023.45%m
subordinated loans subordinated loans521.105.23%539.605.33%264.702.66%259.502.76%m
insurance funds insurance funds4,524.5045.44%4,666.6046.10%4,225.7042.48%4,005.9042.68%m
TOTAL7,326.6073.59%7,600.2075.09%6,886.6069.22%6,466.5068.89%m
EQUITY
ord cap, reserves ord cap, reserves2,630.0026.41%2,521.5024.91%3,061.6030.78%2,919.6031.11%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL2,630.0026.41%2,521.5024.91%3,061.6030.78%2,919.6031.11%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Direct Line Insurance Cash Flow Statement

31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
Operating CF545.20862.40545.90472.30m
Pre-Financing CF736.00736.80450.60330.50m
Retained CF14.00208.40193.70-212.10m

Direct Line Insurance Brokers

NameActivityTypeMnemonicCode
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:20190616 10:31:30