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:F25FISIN:GB00BY9D0Y18
Market Segment:STMMShare 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
 299.20 images.advfn.com/imagesnew/2/gb/down -4.1 [-1.35] 299.10 299.30 299.80 301.50 298.30 229,788
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 4,114.00 1,375.00 0.03 29.50 21.60 10.14 7.22 350.00 - 225.40

Direct Line Insurance Key Figures

(at previous day's close)
Market Cap.4,114.00m
Shares In Issue1,375.00m
Prev. Close303.30
PE Ratio10.14 
Dividend Yield7.22%
EPS - basic29.50p
Dividend PS21.60p
Dividend Cover1.37 
Cash Flow PS33.61p
Return On Equity (ROE)14.04%
Operating Margin15.92%
PEG Factor-0.85 
EPS Growth Rate-11.94%
Dividends PS Growth Rate-26.28%
Net Debt5,495.50m
Gross Gearing68.31%
Quick Assets2,216.70m
Net Working Capital2,166.40m
Intangibles / Fixed Assets11.80%
Turnover PS232.92p
Pre-Tax Profit PS37.07p
Retained Profit PS-0.06p
Cash PS68.99p
Net Cash PS65.33p
Net Tangible Asset Value PS *155.52p
Net Asset Value PS217.46p
Spread0.20 (0.07%) 

Direct Line Insurance Balance Sheet

LSE:DLG:Liabilities+EQLSE:DLG:Assets

Share Price Performance

Sample Period HighLow
1 week305.90289.50
4 weeks308.10272.80
12 weeks310.40259.60
1 year350.00225.40

Share Price Chart (5 years)

Direct Line Insurance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week301.50-2.30-0.76289.505.18298.63
4 weeks276.2023.008.33272.805.48294.21
12 weeks295.703.501.18259.604.60287.19
26 weeks274.2025.009.12259.604.24292.19
1 year305.50-6.30-2.06225.405.13292.25
3 years365.20-66.00-18.07225.405.11319.53
5 years412.60-113.40-27.48225.405.05337.02

Direct Line Insurance Key Management Ratios

Direct Line Insurance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio7.52 
PE Ratio10.14 
Tobin's Q Ratio 0.44 
Tobin's Q Ratio (excl. intangibles)0.47 
Dividend Yield7.22%
Market-to-Book Ratio1.38 
Price-to-Pre-Tax Profit PS8.07 
Price-to-Retained Profit PS-5,142.50 
Price-to-Cash Flow PS8.90 
Price-to-Sales PS1.28 
Price-to-Net Tangible Asset Value PS1.92 
Price-to-Cash PS4.34 
Net Working Capital PS157.56 
Price Pct to Working Capital PS1.90%
Earnings Yield9.86%
Average PE12.05 
Years in average5 
PE to PE average84.16%

Direct Line Insurance Financial Ratios

(Leverage Ratios)
Debt Ratio68.14%
Debt-to-Equity Ratio2.14 
Debt-to-Equity Ratio (excl. Intgbl)2.99 
Debt-to-Equity Market Value1.55 
Net Gearing58.25%
Net Gearing (excl. Intangibles)64.03%
Gross Gearing68.31%
Gross Gearing (excl. Intangibles)75.08%
Gearing Under 1 Year0.53%
Gearing Under 1 Year (excl. Intgbl)0.59%
Assets/Equity3.16 
Cash/Equity31.72 
(Liquidity Ratios)
Net Working Capital to Total Assets22.96%
Current Ratio44.07 
Quick Ratio (Acid Test)44.07 
Liquidity Ratio18.86 
Cash & Equiv/Current Assets42.79%
(Solvency Ratios)
Enterprise Value9,559.20m
CFO/Sales0.14 
CFO/Attributable Profit1.10 
CFO/Assets0.05 
CFO/Debt0.07 
Total Debt/Equity Market Value1.57 
Total Debt/Sales2.01 
Total Debt/Pre-Tax Profit12.64 
Total Debt6,444.10m
Total Debt/Net Current Assets2.97%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs2 
Beta (60-Mnth)Beta (36-Mnth)
0.03040.0673

Direct Line Insurance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)5.43%
Return On Assets (ROA)4.46%
Net Profit Margin13.11%
Assets Turnover0.34 
Return On Equity (ROE)14.04%
Return On Investment (ROI)4.47%
Dividend Payout Ratio73.22%
Plowback Ratio26.78%
Growth from Plowback Ratio3.81%
Net Income Of Revenues-0.02%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.08 
Fixed Assets Turnover0.45 
Current Assets Turnover1.41 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.94 
Debtors-to-Sales38.30%
Debt Collection Period139.78Days

Direct Line Insurance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
04 Aug 2020InterimGBX7.4031/12/201931/12/202013/08/202014/08/202004/09/2020-
04 Aug 2020SpecialGBX14.4031/12/201931/12/202013/08/202014/08/202004/09/2020-
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 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 2018FinalGBX13.6031/12/201631/12/201705/04/201806/04/201817/05/201835.40
27 Feb 2018SpecialGBX15.0031/12/201631/12/201705/04/201806/04/201817/05/2018-
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 2016SpecialGBX10.0031/12/201531/12/201611/08/201612/08/201609/09/2016-
02 Aug 2016InterimGBX4.9031/12/201531/12/201611/08/201612/08/201609/09/2016-
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 2014SpecialGBX10.0031/12/201331/12/201413/08/201415/08/201412/09/2014-
01 Aug 2014InterimGBX4.4031/12/201331/12/201413/08/201415/08/201412/09/2014-
26 Feb 2014FinalGBX8.4031/12/201231/12/201312/03/201414/03/201420/05/201416.60
26 Feb 2014SpecialGBX4.0031/12/201231/12/201312/03/201414/03/201420/05/2014-
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 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
turnover3,337.40100.00%3,489.70100.00%3,436.10100.00%3,202.60100.00%m
pre tax profit353.0010.58%539.0015.45%582.6016.96%509.7015.92%m
attributable profit278.808.35%434.0012.44%473.7013.79%419.9013.11%m
retained profit-171.80-5.15%208.705.98%-30.10-0.88%-0.80-0.02%m
eps - basic (p)20.40 31.80 33.50 29.50 
eps - diluted (p)20.20 31.50 33.10 29.20 
dividends per share24.60 35.40 29.30 21.60 

Direct Line Insurance Balance Sheet

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
LSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:AssetsLSE:DLG:Liabilities+EQLSE:DLG:Assets
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
ASSETS
fixed assets fixed assets180.901.79%174.401.75%156.201.66%143.401.52%m
intangibles intangibles508.905.03%471.104.74%556.805.93%851.709.03%m
fixed investments fixed investments7,142.6070.57%6,812.4068.48%6,333.8067.48%6,222.4065.96%m
current assets - other current assets - other3.800.04%4.200.04%--%--%m
stocks stocks--%--%--%--%m
debtors debtors1,119.4011.06%1,127.5011.33%1,184.9012.62%1,268.1013.44%m
cash & securities cash & securities1,166.1011.52%1,358.6013.66%1,154.4012.30%948.6010.05%m
TOTAL10,121.70100%9,948.20100%9,386.10100%9,434.20100%m
LIABILITIES
creditors - short creditors - short--%--%--%50.300.53%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other2,394.0023.65%2,396.2024.09%2,201.1023.45%2,315.2024.54%m
subordinated loans subordinated loans539.605.33%264.702.66%259.502.76%259.002.75%m
insurance funds insurance funds4,666.6046.10%4,225.7042.48%4,005.9042.68%3,819.6040.49%m
TOTAL7,600.2075.09%6,886.6069.22%6,466.5068.89%6,444.1068.31%m
EQUITY
ord cap, reserves ord cap, reserves2,521.5024.91%3,061.6030.78%2,919.6031.11%2,990.1031.69%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL2,521.5024.91%3,061.6030.78%2,919.6031.11%2,990.1031.69%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Direct Line Insurance Cash Flow Statement

31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
Operating CF862.40545.90472.30462.10m
Pre-Financing CF736.80450.60330.50274.50m
Retained CF208.40193.70-212.10-196.10m

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:20201203 11:27:02