Rsa Insurance Group Plc

Rsa Insurance (RSA)

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Company name:Rsa Insurance Group Plc
Company Description:A group engaged in the transaction of personal and commercial general insurance business
EPIC:RSATrading Currency:GBX
Market Sector:FS10ISIN:GB00BKKMKR23
Market Segment:SET1Share Type:DE
WWW Address:http://www.rsagroup.com/Description:ORD GBP1.00
Industry Sector:NONLIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 429.20 images.advfn.com/imagesnew/2/gb/down -12.3 [-2.79] 429.20 430.40 427.10 429.30 411.90 15,816,567
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 4,438.12 1,034.05 0.22 32.60 23.10 13.17 5.38 600.20 - 321.20

Rsa Insurance Key Figures

(at previous day's close)
Market Cap.4,438.12m
Shares In Issue1,034.05m
Prev. Close441.50
PE Ratio13.17 
Dividend Yield5.38%
EPS - basic32.60p
Dividend PS23.10p
Dividend Cover1.41 
Cash Flow PS46.23p
Return On Equity (ROE)8.61%
Operating Margin7.13%
PEG Factor5.23 
EPS Growth Rate2.52%
Dividends PS Growth Rate10.00%
Net Debt14,711.00m
Gross Gearing78.25%
Quick Assets6,158.00m
Net Working Capital-m
Intangibles / Fixed Assets6.06%
Turnover PS667.09p
Pre-Tax Profit PS47.58p
Retained Profit PS13.54p
Cash PS87.91p
Net Cash PS87.91p
Net Tangible Asset Value PS *322.23p
Net Asset Value PS419.90p
Spread1.20 (0.28%) 

Rsa Insurance Balance Sheet

LSE:RSA:Liabilities+EQLSE:RSA:Assets

Share Price Performance

Sample Period HighLow
1 week441.50321.20
4 weeks535.60321.20
12 weeks585.60321.20
1 year600.20321.20

Share Price Chart (5 years)

Rsa Insurance Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week387.5041.7010.76321.206.17384.47
4 weeks528.00-98.80-18.71321.205.86439.01
12 weeks559.80-130.60-23.33321.203.47491.10
26 weeks526.80-97.60-18.53321.203.06512.96
1 year503.00-73.80-14.67321.203.13531.03
3 years595.00-165.80-27.87321.203.17576.78
5 years424.205.001.18321.203.23537.74

Rsa Insurance Key Management Ratios

Rsa Insurance Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio8.06 
PE Ratio13.17 
Tobin's Q Ratio 0.22 
Tobin's Q Ratio (excl. intangibles)0.23 
Dividend Yield5.38%
Market-to-Book Ratio1.06 
Price-to-Pre-Tax Profit PS9.02 
Price-to-Retained Profit PS31.70 
Price-to-Cash Flow PS9.28 
Price-to-Sales PS0.64 
Price-to-Net Tangible Asset Value PS1.27 
Price-to-Cash PS4.88 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield7.60%
Average PE80.06 
Years in average5 
PE to PE average16.45%

Rsa Insurance Financial Ratios

(Leverage Ratios)
Debt Ratio78.25%
Debt-to-Equity Ratio3.60 
Debt-to-Equity Ratio (excl. Intgbl)4.46 
Debt-to-Equity Market Value3.52 
Net Gearing73.70%
Net Gearing (excl. Intangibles)76.92%
Gross Gearing78.25%
Gross Gearing (excl. Intangibles)81.67%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity4.60 
Cash/Equity20.94 
(Liquidity Ratios)
Net Working Capital to Total Assets30.85%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets14.76%
(Solvency Ratios)
Enterprise Value19,322.12m
CFO/Sales0.07 
CFO/Attributable Profit1.33 
CFO/Assets0.02 
CFO/Debt0.03 
Total Debt/Equity Market Value3.52 
Total Debt/Sales2.26 
Total Debt/Pre-Tax Profit31.75 
Total Debt15,620.00m
Total Debt/Net Current Assets2.54%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth7.42%
5 yr Compound Earnings Growth7.89%
10 yr Compound Earnings Growth12.77%
Earn drops > 5% in 10yrs10 
Beta (60-Mnth)Beta (36-Mnth)
0.21680.1958

Rsa Insurance Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)2.46%
Return On Assets (ROA)1.78%
Net Profit Margin5.20%
Assets Turnover0.34 
Return On Equity (ROE)8.61%
Return On Investment (ROI)1.78%
Dividend Payout Ratio70.86%
Plowback Ratio29.14%
Growth from Plowback Ratio2.54%
Net Income Of Revenues2.03%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.67 
Fixed Assets Turnover0.50 
Current Assets Turnover1.08 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.92 
Debtors-to-Sales75.92%
Debt Collection Period277.11Days

Rsa Insurance Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
27 Feb 2020FinalGBX15.6031/12/201831/12/201905/03/202006/03/202014/05/202023.10
01 Aug 2019InterimGBX7.5031/12/201831/12/201905/09/201906/09/201911/10/2019-
28 Feb 2019FinalGBX13.7031/12/201731/12/201807/03/201908/03/201917/05/201921.00
02 Aug 2018InterimGBX7.3031/12/201731/12/201806/09/201807/09/201812/10/2018-
22 Feb 2018FinalGBX13.0031/12/201631/12/201701/03/201802/03/201818/05/201819.60
02 Aug 2017InterimGBX6.6031/12/201631/12/201707/09/201708/09/201713/10/2017-
23 Feb 2017FinalGBX11.0031/12/201531/12/201602/03/201703/03/201712/05/201716.00
04 Aug 2016InterimGBX5.0031/12/201531/12/201608/09/201609/09/201614/10/2016-
25 Feb 2016FinalGBX7.0031/12/201431/12/201503/03/201604/03/201613/05/201610.50
06 Aug 2015InterimGBX3.5031/12/201431/12/201510/09/201511/09/201515/10/2015-
26 Feb 2015FinalGBX2.0031/12/201331/12/201405/03/201506/03/201515/05/20152.00
01 Aug 2013InterimGBX2.2831/12/201231/12/201325/09/201327/09/201322/11/20132.28
20 Feb 2013FinalGBX3.9031/12/201131/12/201203/04/201305/04/201324/05/20137.31
02 Aug 2012InterimGBX3.4131/12/201131/12/201226/09/201228/09/201223/11/2012-
23 Feb 2012FinalGBX5.8231/12/201031/12/201128/03/201230/03/201225/05/20129.16
04 Aug 2011InterimGBX3.3431/12/201031/12/201110/08/201112/08/201125/11/2011-
24 Feb 2011FinalGBX5.7031/12/200931/12/201002/03/201104/03/201103/06/20118.82
05 Aug 2010InterimGBX3.1231/12/200931/12/201011/08/201013/08/201026/11/2010-
25 Feb 2010FinalGBX5.3331/12/200831/12/200903/03/201005/03/201004/06/20108.25
06 Aug 2009InterimGBX2.9201/07/200931/12/200912/08/200914/08/200927/11/2009-
26 Feb 2009FinalGBX4.9831/12/200731/12/200804/03/200906/03/200907/05/20097.71
07 Aug 2008InterimGBX2.7330/12/200730/06/200813/08/200815/08/200808/12/2001-
27 Feb 2008FinalGBX4.5331/12/200631/12/200705/03/200807/03/200801/04/20087.01
08 Aug 2007InterimGBX2.4830/12/200630/06/200715/08/200717/08/200730/11/2007-
08 Mar 2007FinalGBX4.1231/12/200531/12/200614/03/200716/03/200701/06/20075.87
10 Aug 2006InterimGBX1.7530/12/200530/06/200616/08/200618/08/200630/11/2006-
09 Mar 2006FinalGBX3.0531/12/200431/12/200515/03/200617/03/200602/06/20064.74
11 Aug 2005InterimGBX1.6930/12/200430/06/200517/08/200519/08/200530/11/2005-
10 Mar 2005FinalGBX2.9631/12/200331/12/200416/03/200518/03/200502/06/20054.61
12 Aug 2004InterimGBX1.6530/12/200330/06/200418/08/200420/08/200430/11/2004-
11 Mar 2004FinalGBX2.9031/12/200231/12/200317/03/200419/03/200403/06/20044.90
03 Sep 2003InterimGBX2.0030/12/200230/06/200310/09/200312/09/200328/11/2003-
06 Mar 2003FinalGBX2.0031/12/200131/12/200230/04/200302/05/200330/05/20036.00
08 Aug 2002InterimGBX4.0030/12/200130/06/200221/10/200223/10/200229/11/2002-
28 Feb 2002FinalGBX7.2031/12/200031/12/200124/04/200226/04/200231/05/200216.00
02 Aug 2001InterimGBX8.8030/12/200030/06/200105/09/200107/09/200130/11/2001-
01 Mar 2001FinalGBX17.2031/12/199931/12/200014/03/200116/03/200101/06/200126.00
03 Aug 2000InterimGBX8.8030/12/199930/06/200004/09/200008/09/200001/12/2000-
02 Mar 2000FinalGBX16.3031/12/199831/12/199913/03/200017/03/200001/06/200024.70
05 Aug 1999InterimGBX8.4030/12/199830/06/199906/09/199910/09/199901/12/1999-
04 Mar 1999FinalGBX15.2031/12/199731/12/199815/03/199919/03/199901/06/199923.00
06 Aug 1998InterimGBX7.8030/12/199730/06/199817/08/199821/08/199801/12/1998-

Rsa Insurance Fundamentals

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
turnover6,857.00100.00%7,105.00100.00%7,018.00100.00%6,898.00100.00%m
pre tax profit101.001.47%448.006.31%480.006.84%492.007.13%m
attributable profit27.000.39%289.004.07%349.004.97%359.005.20%m
retained profit-95.00-1.39%109.001.53%141.002.01%140.002.03%m
eps - basic (p)1.80 26.30 31.80 32.60 
eps - diluted (p)1.80 26.10 31.60 32.50 
dividends per share16.00 19.60 21.00 23.10 

Rsa Insurance Balance Sheet

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
LSE:RSA:Liabilities+EQLSE:RSA:AssetsLSE:RSA:Liabilities+EQLSE:RSA:AssetsLSE:RSA:Liabilities+EQLSE:RSA:AssetsLSE:RSA:Liabilities+EQLSE:RSA:Assets
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
ASSETS
fixed assets fixed assets109.000.52%104.000.50%90.000.44%296.001.48%m
intangibles intangibles728.003.44%763.003.70%792.003.90%837.004.19%m
fixed investments fixed investments12,670.0059.94%12,842.0062.34%12,759.0062.87%12,671.0063.48%m
current assets - other current assets - other807.003.82%668.003.24%639.003.15%--%m
stocks stocks--%--%--%--%m
debtors debtors5,840.0027.63%5,175.0025.12%5,225.0025.75%5,249.0026.29%m
cash & securities cash & securities985.004.66%1,048.005.09%788.003.88%909.004.55%m
TOTAL21,139.00100%20,600.00100%20,293.00100%19,962.00100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other3,662.0017.32%2,771.0013.45%2,402.0011.84%2,343.0011.74%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds13,630.0064.48%13,727.0066.64%13,640.0067.22%13,277.0066.51%m
TOTAL17,292.0081.80%16,498.0080.09%16,042.0079.05%15,620.0078.25%m
EQUITY
ord cap, reserves ord cap, reserves3,715.0017.57%3,653.0017.73%4,083.0020.12%4,169.0020.88%m
prefs, minorities prefs, minorities132.000.62%449.002.18%168.000.83%173.000.87%m
TOTAL3,847.0018.20%4,102.0019.91%4,251.0020.95%4,342.0021.75%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Rsa Insurance Cash Flow Statement

31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
Operating CF-35.00365.00189.00478.00m
Pre-Financing CF330.00787.0012.0091.00m
Retained CF93.00-27.00-265.00116.00m

Rsa Insurance Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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