Financials CIG Pannónia Életbiztosító Nyrt

Equities

CIGPANNONIA

HU0000180112

Life & Health Insurance

End-of-day quote Budapest S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
370 HUF -1.07% Intraday chart for CIG Pannónia Életbiztosító Nyrt -1.07% +25.85%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 38,310 17,677 32,011 36,407 22,173 27,623
Enterprise Value (EV) 1 38,057 16,750 31,359 35,479 19,562 25,445
P/E ratio 17 x -27.6 x 47.7 x 21.9 x 18.4 x 9.67 x
Yield - - - 4.65% 7.63% 11.2%
Capitalization / Revenue 1.65 x 0.61 x 1.27 x 1.02 x 0.76 x 1.3 x
EV / Revenue 1.64 x 0.58 x 1.24 x 0.99 x 0.67 x 1.2 x
EV / EBITDA 14 x 7.24 x 45.8 x 16.3 x 10.3 x 5.16 x
EV / FCF 21.1 x -3.94 x 73.5 x 20.4 x 20.7 x 2.06 x
FCF Yield 4.75% -25.4% 1.36% 4.91% 4.83% 48.5%
Price to Book 2.21 x 1.3 x 2.29 x 2.76 x 2.5 x 1.19 x
Nbr of stocks (in thousands) 93,324 94,428 94,428 93,954 93,954 93,954
Reference price 2 410.5 187.2 339.0 387.5 236.0 294.0
Announcement Date 4/2/19 4/15/20 4/7/21 3/28/22 4/19/23 3/18/24
1HUF in Million2HUF
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 23,181 29,049 25,200 35,680 29,334 21,190
EBITDA 1 2,722 2,312 684.3 2,173 1,901 4,929
EBIT 1 2,396 1,980 394.4 1,895 1,656 4,598
Operating Margin 10.34% 6.82% 1.57% 5.31% 5.65% 21.7%
Earnings before Tax (EBT) 1 2,341 777.9 907.9 1,787 1,366 3,637
Net income 1 2,055 -634.9 667.8 1,675 1,208 2,874
Net margin 8.86% -2.19% 2.65% 4.69% 4.12% 13.56%
EPS 2 24.16 -6.789 7.100 17.70 12.80 30.40
Free Cash Flow 1 1,807 -4,254 426.5 1,741 944.7 12,333
FCF margin 7.8% -14.65% 1.69% 4.88% 3.22% 58.2%
FCF Conversion (EBITDA) 66.4% - 62.32% 80.14% 49.69% 250.2%
FCF Conversion (Net income) 87.96% - 63.86% 103.96% 78.23% 429.19%
Dividend per Share - - - 18.00 18.00 33.00
Announcement Date 4/2/19 4/15/20 4/7/21 3/28/22 4/19/23 3/18/24
1HUF in Million2HUF
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 253 927 652 929 2,611 2,178
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 1,807 -4,254 426 1,741 945 12,333
ROE (net income / shareholders' equity) 15.6% 4.35% 4.8% 12.4% 11% 13.7%
ROA (Net income/ Total Assets) 1.38% 1.1% 0.22% 0.99% 0.8% 2.14%
Assets 1 148,456 -57,604 307,883 170,057 150,383 134,372
Book Value Per Share 2 186.0 144.0 148.0 140.0 94.40 248.0
Cash Flow per Share 2 13.00 15.70 9.170 15.90 32.90 26.50
Capex 1 264 62.1 26.2 65.1 496 242
Capex / Sales 1.14% 0.21% 0.1% 0.18% 1.69% 1.14%
Announcement Date 4/2/19 4/15/20 4/7/21 3/28/22 4/19/23 3/18/24
1HUF in Million2HUF
Estimates
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