Línea Directa Aseguradora, S.A.
Línea Directa Aseguradora, S.A. Fundamental Analysis
Línea Directa Aseguradora, S.A. (LNDAF) shows weak financial fundamentals with a PE ratio of 25.30, profit margin of 7.27%, and ROE of 16.53%. The company generates $0.7B in annual revenue with weak year-over-year growth of -1.22%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 40.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze LNDAF's fundamental strength across five key dimensions:
Efficiency Score
WeakLNDAF struggles to generate sufficient returns from assets.
Valuation Score
ModerateLNDAF shows balanced valuation metrics.
Growth Score
ModerateLNDAF shows steady but slowing expansion.
Financial Health Score
ModerateLNDAF shows balanced financial health with some risks.
Profitability Score
ModerateLNDAF maintains healthy but balanced margins.
Key Financial Metrics
Is LNDAF Expensive or Cheap?
P/E Ratio
LNDAF trades at 25.30 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, LNDAF's PEG of 0.29 indicates potential undervaluation.
Price to Book
The market values Línea Directa Aseguradora, S.A. at 3.93 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 24.37 times EBITDA. This signals the market has high growth expectations.
How Well Does LNDAF Make Money?
Net Profit Margin
For every $100 in sales, Línea Directa Aseguradora, S.A. keeps $7.27 as profit after all expenses.
Operating Margin
Core operations generate 39.33 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.53 in profit for every $100 of shareholder equity.
ROA
Línea Directa Aseguradora, S.A. generates $4.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Línea Directa Aseguradora, S.A. produces operating cash flow of $95.59M, showing steady but balanced cash generation.
Free Cash Flow
Línea Directa Aseguradora, S.A. generates strong free cash flow of $95.81M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.09 in free cash annually.
FCF Yield
LNDAF converts 8.33% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
25.30
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.29
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.93
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.56
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.01
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.25
vs 25 benchmark
How LNDAF Stacks Against Its Sector Peers
| Metric | LNDAF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 25.30 | 18.50 | Worse (Expensive) |
| ROE | 16.53% | 809.00% | Weak |
| Net Margin | 7.27% | 2211.00% | Weak |
| Debt/Equity | 0.01 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 692.04 | Weak Liquidity |
| ROA | 4.57% | -24328.00% (disorted) | Weak |
LNDAF outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Línea Directa Aseguradora, S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
12.90%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-39.14%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-8.44%
Industry Style: Value, Dividend, Cyclical
Declining