RSA

Rsa Insurance Group Ld (RSA)

Company name:	Rsa Insurance Group Ld
Company Description:	A group engaged in the transaction of personal and commercial general insurance business
EPIC:	RSA	Trading Currency:	GBX
Market Sector:	ON5	ISIN:	GB00BKKMKR23
Market Segment:	SET3	Share 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
684.20	0.0 [0.00]	684.20	684.40	-	-	-	-
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
7,079.04	1,034.64	0.22	30.90	8.00	22.14	1.17	684.80 - 683.80

Rsa Insurance Group Ld Key Figures

Key Figures
(at previous day's close)
Market Cap.	7,079.04	m
Shares In Issue	1,034.64	m
Prev. Close	684.20
PE Ratio	22.14
Dividend Yield	1.17	%
EPS - basic	30.90	p
Dividend PS	8.00	p
Dividend Cover	3.86
Cash Flow PS	55.48	p
Return On Equity (ROE)	7.56	%
Operating Margin	7.38	%
PEG Factor	-4.25
EPS Growth Rate	-5.21	%
Dividends PS Growth Rate	6.67	%
Net Debt	14,882.00	m
Gross Gearing	77.16	%
Quick Assets	6,323.00	m
Net Working Capital	-	m
Intangibles / Fixed Assets	6.03	%
Turnover PS	632.68	p
Pre-Tax Profit PS	46.68	p
Retained Profit PS	25.32	p
Cash PS	105.74	p
Net Cash PS	105.74	p
Net Tangible Asset Value PS *	357.22	p
Net Asset Value PS	457.16	p
Spread	0.20 (0.03%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Rsa Insurance Group Ld Balance Sheet

%1$s Balance Sheet

Share Price Performance

Sorry No Data Available

Share Price Chart (5 years)

Rsa Insurance Group Ld Historic Returns

Sorry No Data Available

Rsa Insurance Group Ld Key Management Ratios

DEEPER ANALYSIS

Rsa Insurance Group Ld Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio	10.55
PE Ratio	22.14
Tobin's Q Ratio	0.35
Tobin's Q Ratio (excl. intangibles)	0.36
Dividend Yield	1.17	%
Market-to-Book Ratio	1.55
Price-to-Pre-Tax Profit PS	14.66
Price-to-Retained Profit PS	27.02
Price-to-Cash Flow PS	12.33
Price-to-Sales PS	1.08
Price-to-Net Tangible Asset Value PS	1.83
Price-to-Cash PS	6.47
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	4.52	%
Average PE	80.62
Years in average	5
PE to PE average	27.47	%

Rsa Insurance Group Ld Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio	77.16	%
Debt-to-Equity Ratio	3.38
Debt-to-Equity Ratio (excl. Intgbl)	4.14
Debt-to-Equity Market Value	2.26
Net Gearing	71.87	%
Net Gearing (excl. Intangibles)	75.02	%
Gross Gearing	77.16	%
Gross Gearing (excl. Intangibles)	80.53	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	4.38
Cash/Equity	23.13
(Liquidity Ratios)
Net Working Capital to Total Assets	30.54	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	17.30	%
(Solvency Ratios)
Enterprise Value	22,127.04	m
CFO/Sales	0.09
CFO/Attributable Profit	1.66
CFO/Assets	0.03
CFO/Debt	0.04
Total Debt/Equity Market Value	2.26
Total Debt/Sales	2.44
Total Debt/Pre-Tax Profit	33.08
Total Debt	15,976.00	m
Total Debt/Net Current Assets	2.53	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	-	%
5 yr Compound Earnings Growth	76.58	%
10 yr Compound Earnings Growth	10.01	%
Earn drops > 5% in 10yrs	11

Beta coefficients
Beta (60-Mnth)	Beta (36-Mnth)
0.2212	0.2342

Rsa Insurance Group Ld Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)	2.33	%
Return On Assets (ROA)	1.70	%
Net Profit Margin	5.27	%
Assets Turnover	0.32
Return On Equity (ROE)	7.56	%
Return On Investment (ROI)	1.70	%
Dividend Payout Ratio	25.89	%
Plowback Ratio	74.11	%
Growth from Plowback Ratio	5.86	%
Net Income Of Revenues	4.00	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	1.50
Fixed Assets Turnover	0.46
Current Assets Turnover	1.05
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	3.11
Debtors-to-Sales	80.03	%
Debt Collection Period	292.12	Days

Rsa Insurance Group Ld Dividends

%1$s Dividends
Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
05 Nov 2020	Interim	GBX	8.00	31/12/2019	31/12/2020	12/11/2020	13/11/2020	04/12/2020	8.00
01 Aug 2019	Interim	GBX	7.50	31/12/2018	31/12/2019	05/09/2019	06/09/2019	11/10/2019	7.50
28 Feb 2019	Final	GBX	13.70	31/12/2017	31/12/2018	07/03/2019	08/03/2019	17/05/2019	21.00
02 Aug 2018	Interim	GBX	7.30	31/12/2017	31/12/2018	06/09/2018	07/09/2018	12/10/2018	-
22 Feb 2018	Final	GBX	13.00	31/12/2016	31/12/2017	01/03/2018	02/03/2018	18/05/2018	19.60
02 Aug 2017	Interim	GBX	6.60	31/12/2016	31/12/2017	07/09/2017	08/09/2017	13/10/2017	-
23 Feb 2017	Final	GBX	11.00	31/12/2015	31/12/2016	02/03/2017	03/03/2017	12/05/2017	16.00
04 Aug 2016	Interim	GBX	5.00	31/12/2015	31/12/2016	08/09/2016	09/09/2016	14/10/2016	-
25 Feb 2016	Final	GBX	7.00	31/12/2014	31/12/2015	03/03/2016	04/03/2016	13/05/2016	10.50
06 Aug 2015	Interim	GBX	3.50	31/12/2014	31/12/2015	10/09/2015	11/09/2015	15/10/2015	-
26 Feb 2015	Final	GBX	2.00	31/12/2013	31/12/2014	05/03/2015	06/03/2015	15/05/2015	2.00
01 Aug 2013	Interim	GBX	2.28	31/12/2012	31/12/2013	25/09/2013	27/09/2013	22/11/2013	2.28
20 Feb 2013	Final	GBX	3.90	31/12/2011	31/12/2012	03/04/2013	05/04/2013	24/05/2013	7.31
02 Aug 2012	Interim	GBX	3.41	31/12/2011	31/12/2012	26/09/2012	28/09/2012	23/11/2012	-
23 Feb 2012	Final	GBX	5.82	31/12/2010	31/12/2011	28/03/2012	30/03/2012	25/05/2012	9.16
04 Aug 2011	Interim	GBX	3.34	31/12/2010	31/12/2011	10/08/2011	12/08/2011	25/11/2011	-
24 Feb 2011	Final	GBX	5.70	31/12/2009	31/12/2010	02/03/2011	04/03/2011	03/06/2011	8.82
05 Aug 2010	Interim	GBX	3.12	31/12/2009	31/12/2010	11/08/2010	13/08/2010	26/11/2010	-
25 Feb 2010	Final	GBX	5.33	31/12/2008	31/12/2009	03/03/2010	05/03/2010	04/06/2010	8.25
06 Aug 2009	Interim	GBX	2.92	01/07/2009	31/12/2009	12/08/2009	14/08/2009	27/11/2009	-
26 Feb 2009	Final	GBX	4.98	31/12/2007	31/12/2008	04/03/2009	06/03/2009	07/05/2009	7.71
07 Aug 2008	Interim	GBX	2.73	30/12/2007	30/06/2008	13/08/2008	15/08/2008	08/12/2001	-
27 Feb 2008	Final	GBX	4.53	31/12/2006	31/12/2007	05/03/2008	07/03/2008	01/04/2008	7.01
08 Aug 2007	Interim	GBX	2.48	30/12/2006	30/06/2007	15/08/2007	17/08/2007	30/11/2007	-
08 Mar 2007	Final	GBX	4.12	31/12/2005	31/12/2006	14/03/2007	16/03/2007	01/06/2007	5.87
10 Aug 2006	Interim	GBX	1.75	30/12/2005	30/06/2006	16/08/2006	18/08/2006	30/11/2006	-
09 Mar 2006	Final	GBX	3.05	31/12/2004	31/12/2005	15/03/2006	17/03/2006	02/06/2006	4.74
11 Aug 2005	Interim	GBX	1.69	30/12/2004	30/06/2005	17/08/2005	19/08/2005	30/11/2005	-
10 Mar 2005	Final	GBX	2.96	31/12/2003	31/12/2004	16/03/2005	18/03/2005	02/06/2005	4.61
12 Aug 2004	Interim	GBX	1.65	30/12/2003	30/06/2004	18/08/2004	20/08/2004	30/11/2004	-
11 Mar 2004	Final	GBX	2.90	31/12/2002	31/12/2003	17/03/2004	19/03/2004	03/06/2004	4.90
03 Sep 2003	Interim	GBX	2.00	30/12/2002	30/06/2003	10/09/2003	12/09/2003	28/11/2003	-
06 Mar 2003	Final	GBX	2.00	31/12/2001	31/12/2002	30/04/2003	02/05/2003	30/05/2003	6.00
08 Aug 2002	Interim	GBX	4.00	30/12/2001	30/06/2002	21/10/2002	23/10/2002	29/11/2002	-
28 Feb 2002	Final	GBX	7.20	31/12/2000	31/12/2001	24/04/2002	26/04/2002	31/05/2002	16.00
02 Aug 2001	Interim	GBX	8.80	30/12/2000	30/06/2001	05/09/2001	07/09/2001	30/11/2001	-
01 Mar 2001	Final	GBX	17.20	31/12/1999	31/12/2000	14/03/2001	16/03/2001	01/06/2001	26.00
03 Aug 2000	Interim	GBX	8.80	30/12/1999	30/06/2000	04/09/2000	08/09/2000	01/12/2000	-
02 Mar 2000	Final	GBX	16.30	31/12/1998	31/12/1999	13/03/2000	17/03/2000	01/06/2000	24.70
05 Aug 1999	Interim	GBX	8.40	30/12/1998	30/06/1999	06/09/1999	10/09/1999	01/12/1999	-
04 Mar 1999	Final	GBX	15.20	31/12/1997	31/12/1998	15/03/1999	19/03/1999	01/06/1999	23.00
06 Aug 1998	Interim	GBX	7.80	30/12/1997	30/06/1998	17/08/1998	21/08/1998	01/12/1998	-

Rsa Insurance Group Ld Fundamentals

Profit and Loss Account
	31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)
turnover	7,105.00	100.00%	7,018.00	100.00%	6,898.00	100.00%	6,546.00	100.00%	m
pre tax profit	448.00	6.31%	480.00	6.84%	492.00	7.13%	483.00	7.38%	m
attributable profit	289.00	4.07%	349.00	4.97%	359.00	5.20%	345.00	5.27%	m
retained profit	109.00	1.53%	141.00	2.01%	140.00	2.03%	262.00	4.00%	m
eps - basic (p)	26.30		31.80		32.60		30.90
eps - diluted (p)	26.10		31.60		32.50		30.80
dividends per share	19.60		21.00		7.50		8.00

Rsa Insurance Group Ld Balance Sheet

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)
ASSETS
fixed assets	104.00	0.50%	90.00	0.44%	296.00	1.48%	237.00	1.14%	m
intangibles	763.00	3.70%	792.00	3.90%	837.00	4.19%	868.00	4.19%	m
fixed investments	12,842.00	62.34%	12,759.00	62.87%	12,671.00	63.48%	13,278.00	64.13%	m
current assets - other	668.00	3.24%	639.00	3.15%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	5,175.00	25.12%	5,225.00	25.75%	5,249.00	26.29%	5,229.00	25.25%	m
cash & securities	1,048.00	5.09%	788.00	3.88%	909.00	4.55%	1,094.00	5.28%	m

TOTAL	20,600.00	100%	20,293.00	100%	19,962.00	100%	20,706.00	100%	m

LIABILITIES
creditors - short	-	-%	-	-%	-	-%	-	-%	m
creditors - long	-	-%	-	-%	-	-%	-	-%	m
creditors - other	2,771.00	13.45%	2,402.00	11.84%	2,343.00	11.74%	2,430.00	11.74%	m
subordinated loans	-	-%	-	-%	-	-%	-	-%	m
insurance funds	13,727.00	66.64%	13,640.00	67.22%	13,277.00	66.51%	13,546.00	65.42%	m

TOTAL	16,498.00	80.09%	16,042.00	79.05%	15,620.00	78.25%	15,976.00	77.16%	m

EQUITY
ord cap, reserves	3,653.00	17.73%	4,083.00	20.12%	4,169.00	20.88%	4,564.00	22.04%	m
prefs, minorities	449.00	2.18%	168.00	0.83%	173.00	0.87%	166.00	0.80%	m

TOTAL	4,102.00	19.91%	4,251.00	20.95%	4,342.00	21.75%	4,730.00	22.84%	m

OTHER
NAV Basic	-		-		-		-
NAV Diluted	-		-		-		-

Rsa Insurance Group Ld Cash Flow Statement

%1$s Cash Flow Statement
	31 Dec 2017 (GBP)	31 Dec 2018 (GBP)	31 Dec 2019 (GBP)	31 Dec 2020 (GBP)
Operating CF	365.00	189.00	478.00	574.00	m
Pre-Financing CF	787.00	12.00	91.00	416.00	m
Retained CF	-27.00	-265.00	116.00	191.00	m

Rsa Insurance Group Ld Brokers

%1$s Brokers
Name	Activity	Type	Mnemonic	Code
Evolution Securities Limited	Market Maker(MME)	Broker/Dealer	EVO	EVBGGB21MMT
Winterflood Securities Ltd	Market Maker(MME)	Broker/Dealer	WINS	WNTSGB2LBIC