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Market Price

6.78 

0.00 0.0%

as of Mar 04 '21

52 Week Range:

0.04 6.82


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

RSA Insurance Group plc, together with its subsidiaries, provides personal and commercial general insurance services. It operates through Scandinavia, Canada, and UK & International segments. The company offers a range of personal insurance products, including home, car, pet, and travel insurance products directly to its customers, as well as through brokers and agents. It also provides commercial insurance products, such as property, vehicle and fleet, professional liability, and indemnity and travel insurance, as well as marine, renewable energy, construction and engineering, and rail insurance for small to medium sized enterprises, multinational companies, and sole traders. The company was formerly known as Royal & Sun Alliance Insurance Group plc and changed its name to RSA Insurance Group plc in May 2008. RSA Insurance Group plc was founded in 1710 and is headquartered in London, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 4.37
4.62
4.86
4.47
4.38
3.67
3.66
4.06
3.74
3.90
3.92
growth rate 5.7% 5.2% -8.0% -2.0% -16.2% -0.3% 10.9% -7.9% 4.3% 0.5%
Earnings BIT 545.00
465.00
604.00
479.00
358.00
390.00
457.00
664.00
689.00
541.00
627.00
growth rate -14.7% 29.9% -20.7% -25.3% 8.9% 17.2% 45.3% 3.8% -21.5% 15.9%
Avg.PE 9.97
12.90
8.91
13.07
-5.35
60.49
20.23
331.67
23.93
16.13
15.37
growth rate 29.4% -30.9% 46.7% -100.0% 100.0% -66.6% 1,539.5% -92.8% -32.6% -4.7%
ROA 1.82
1.49
1.82
1.48
-1.59
0.27
1.06
0.09
1.29
1.59
1.67
growth rate -18.1% 22.2% -18.7% -100.0% 100.0% 292.6% -91.5% 1,333.3% 23.3% 5.0%
ROE 11.55
9.62
11.40
9.18
-11.14
1.86
6.26
0.51
7.26
8.38
8.40
growth rate -16.7% 18.5% -19.5% -100.0% 100.0% 236.6% -91.9% 1,323.5% 15.4% 0.2%
ROIC 7.20
6.20
7.11
6.92
-5.75
3.72
growth rate -13.9% 14.7% -2.7% -100.0% 100.0%
Leverage 6.55
6.35
6.15
6.29
7.92
5.95
5.86
5.89
5.39
5.13
4.94
growth rate -3.1% -3.2% 2.3% 25.9% -24.9% -1.5% 0.5% -8.5% -4.8% -3.7%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 3,208.00
3,487.00
3,834.00
3,759.00
3,954.00
3,397.00
3,318.00
3,337.00
3,388.00
3,123.00
growth rate 8.7% 10.0% -2.0% 5.2% -14.1% -2.3% 0.6% 1.5% -7.8%
Acct.Payable 631.00
623.00
585.00
677.00
4,514.00
684.00
667.00
617.00
3,761.00
3,591.00
growth rate -1.3% -6.1% 15.7% 566.8% -84.9% -2.5% -7.5% 509.6% -4.5%
Cur.Assets 7,851.00
7,440.00
7,644.00
7,627.00
6,584.00
6,611.00
6,436.00
6,258.00
5,798.00
5,195.00
growth rate -5.2% 2.7% -0.2% -13.7% 0.4% -2.7% -2.8% -7.4% -10.4%
Total Assets 21,367.00
23,104.00
22,598.00
22,785.00
21,930.00
22,018.00
20,611.00
21,139.00
20,600.00
20,293.00
19,962.00
growth rate 8.1% -2.2% 0.8% -3.8% 0.4% -6.4% 2.6% -2.6% -1.5% -1.6%
Cash 996.00
1,317.00
1,258.00
1,329.00
1,162.00
1,011.00
816.00
985.00
1,048.00
788.00
909.00
growth rate 32.2% -4.5% 5.6% -12.6% -13.0% -19.3% 20.7% 6.4% -24.8% 15.4%
Cur.Liabilities 4,563.00
4,851.00
4,974.00
5,047.00
9,516.00
5,437.00
5,873.00
5,665.00
8,650.00
7,628.00
growth rate 6.3% 2.5% 1.5% 88.6% -42.9% 8.0% -3.5% 52.7% -11.8%
Liabilities 17,876.00
19,209.00
18,683.00
18,906.00
18,916.00
18,085.00
16,840.00
17,292.00
16,498.00
16,042.00
15,620.00
growth rate 7.5% -2.7% 1.2% 0.1% -4.4% -6.9% 2.7% -4.6% -2.8% -2.6%
LT Debt 1,612.00
1,316.00
1,313.00
1,312.00
1,310.00
1,243.00
1,254.00
1,068.00
441.00
402.00
750.00
growth rate -18.4% -0.2% -0.1% -0.2% -5.1% 0.9% -14.8% -58.7% -8.8% 86.6%
Equity 3,588.00
3,895.00
3,915.00
3,879.00
2,768.00
3,700.00
3,517.00
3,590.00
3,825.00
3,958.00
4,044.00
growth rate 8.6% 0.5% -0.9% -28.6% 33.7% -5.0% 2.1% 6.6% 3.5% 2.2%
Common Shares 762.00
780.00
798.00
806.00
815.00
962.00
1,019.00
1,024.00
1,028.00
1,030.00
1,033.00
growth rate 2.4% 2.3% 1.0% 1.1% 18.0% 5.9% 0.5% 0.4% 0.2% 0.3%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 138.00
31.00
37.00
35.00
36.00
36.00
14.00
25.00
16.00
22.00
8.00
growth rate -77.5% 19.4% -5.4% 2.9% 0.0% -61.1% 78.6% -36.0% 37.5% -63.6%
Cash Dividends 186.00
237.00
303.00
286.00
157.00
9.00
65.00
131.00
200.00
231.00
242.00
growth rate 27.4% 27.9% -5.6% -45.1% -94.3% 622.2% 101.5% 52.7% 15.5% 4.8%
Cash From OA 301.00
296.00
303.00
303.00
456.00
352.00
323.00
-35.00
365.00
189.00
478.00
growth rate -1.7% 2.4% 0.0% 50.5% -22.8% -8.2% -100.0% 100.0% -48.2% 152.9%
FCF per Share 0.22
0.17
0.06
0.15
0.29
0.27
0.14
0.11
-0.27
0.20
0.13
growth rate -22.7% -64.7% 150.0% 93.3% -6.9% -48.2% -21.4% -100.0% 100.0% -35.0%
Sale Purchase of Stock 7.00
753.00
3.00
5.00
301.00
growth rate 10,657.1% -99.6% 66.7% 5,920.0%
FCF 166.00
132.00
107.00
122.00
288.00
115.00
261.00
-199.00
216.00
44.00
325.00
growth rate -20.5% -18.9% 14.0% 136.1% -60.1% 127.0% -100.0% 100.0% -79.6% 638.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 7,458.00
7,781.00
8,645.00
8,873.00
8,710.00
7,330.00
6,662.00
6,819.00
7,100.00
7,010.00
6,907.00
growth rate 4.3% 11.1% 2.6% -1.8% -15.8% -9.1% 2.4% 4.1% -1.3% -1.5%
Op.Income 695.00
355.00
427.00
327.00
358.00
390.00
457.00
664.00
689.00
541.00
627.00
growth rate -48.9% 20.3% -23.4% 9.5% 8.9% 17.2% 45.3% 3.8% -21.5% 15.9%
IBT 545.00
465.00
613.00
448.00
-203.00
53.00
106.00
101.00
448.00
480.00
492.00
growth rate -14.7% 31.8% -26.9% -100.0% 100.0% 100.0% -4.7% 343.6% 7.1% 2.5%
Net Income 409.00
355.00
427.00
327.00
-347.00
69.00
235.00
27.00
289.00
349.00
359.00
growth rate -13.2% 20.3% -23.4% -100.0% 100.0% 240.6% -88.5% 970.4% 20.8% 2.9%
EPS 0.54
0.43
0.52
0.39
-0.43
0.06
0.22
0.01
0.26
0.32
0.33
growth rate -20.4% 20.9% -25.0% -100.0% 100.0% 266.7% -95.5% 2,500.0% 23.1% 3.1%
Gross Profit 905.00
726.00
1,035.00
1,019.00
725.00
590.00
610.00
825.00
846.00
678.00
750.00
growth rate -19.8% 42.6% -1.6% -28.9% -18.6% 3.4% 35.3% 2.6% -19.9% 10.6%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT 143.00
170.50
170.50
139.00
139.00
growth rate 19.2% 0.0% -18.5% 0.0%
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 3,808.00
3,123.00
3,123.00
4,074.00
4,074.00
growth rate -18.0% 0.0% 30.5% 0.0%
Acct.Payable 3,591.00
3,591.00
growth rate 0.0%
Cur.Assets 7,629.00
5,195.00
5,195.00
7,426.00
7,426.00
growth rate -31.9% 0.0% 43.0% 0.0%
Total Assets 20,917.00
19,962.00
19,962.00
20,706.00
20,706.00
growth rate -4.6% 0.0% 3.7% 0.0%
Cash 818.00
909.00
909.00
928.00
928.00
growth rate 11.1% 0.0% 2.1% 0.0%
Cur.Liabilities 4,264.00
7,628.00
7,628.00
3,501.00
3,501.00
growth rate 78.9% 0.0% -54.1% 0.0%
Liabilities 16,578.00
15,620.00
15,620.00
16,050.00
16,050.00
growth rate -5.8% 0.0% 2.8% 0.0%
LT Debt 402.00
750.00
750.00
751.00
751.00
growth rate 86.6% 0.0% 0.1% 0.0%
Equity 4,043.00
4,044.00
4,044.00
4,337.00
4,337.00
growth rate 0.0% 0.0% 7.3% 0.0%
Common Shares 1,031.00
1,032.00
1,032.00
1,035.00
1,035.00
growth rate 0.1% 0.0% 0.3% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 2.50
1.50
1.50
5.00
5.00
growth rate -40.0% 0.0% 233.3% 0.0%
Cash Dividends 76.50
44.50
44.50
6.00
6.00
growth rate -41.8% 0.0% -86.5% 0.0%
Cash From OA 82.50
156.50
156.50
-21.50
-21.50
growth rate 89.7% 0.0% -100.0% 0.0%
Sale Purchase of Stock
growth rate
FCF 80.00
155.00
155.00
-26.50
-26.50
growth rate 93.8% 0.0% -100.0% 0.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 1,714.50
1,739.00
1,739.00
1,618.00
1,618.00
growth rate 1.4% 0.0% -7.0% 0.0%
Op.Income 143.00
170.50
170.50
139.00
139.00
growth rate 19.2% 0.0% -18.5% 0.0%
IBT 113.50
132.50
132.50
105.50
105.50
growth rate 16.7% 0.0% -20.4% 0.0%
Net Income 85.00
94.50
94.50
76.00
76.00
growth rate 11.2% 0.0% -19.6% 0.0%
EPS
growth rate
Gross Profit 151.00
224.00
224.00
147.00
147.00
growth rate 48.3% 0.0% -34.4% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (38.33)

YOY Growth Grade:

F (15.32)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 22.00 22.08 0.14
EPS / Growth 11.0% 0.31 4.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.4% 3.2% 3.2%
Future PE 0.14 3.27 3.27
Future EPS 0.39 0.42 0.42
Value Price
MOS %
0.01
-99.8%
0.34
-95.0%
0.34
-95.0%
MOS Price 0.01 0.17 0.17
IRT 17.66 16.56 16.56

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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