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Momentum
Relative Strength (%)
1m
3m
1yr
Volume Change (%)
10d v 3m
Price vs... (%)
52w High
50d MA
200d MA
vs.
market
vs.
industry
Growth & Value
Margin of Safety (beta)
Screens Passed 1
Balance Sheet · Income Statement · Cashflow Financial Summary
Year End 31st Dec 2009 2010 2011 2012 2013 2014 TTM 2015E 2016E CAGR / Avg
Revenue £m
Operating Profit £m
Net Profit £m
EPS Reported p
EPS Normalised p
EPS Growth %
PE Ratio x
PEG x
Profitability
Operating Margin %
ROA %
ROCE %
ROE %
Cashflow
Op. Cashflow ps p
Capex ps p
Free Cashflow ps p
Last ex-div: 10th Sep, paid: 15th Oct more... Dividends
Dividend ps p
Dividend Growth %
Dividend Yield %
Dividend Cover x
Balance Sheet
Cash etc £m
Working Capital £m
Net Fixed Assets £m
Net Debt £m
Book Value £m
Average Shares m
Book Value ps p -3.6%

FINANCIAL BRIEF: For the six months ended 30 June 2015, RSA Insurance Group plc revenues decreased 9% to L3.79B. Net income applicable to common stockholders excluding extraordinary items totaled L66M vs. loss of L30M. Revenues reflect Net investment return decrease of 23% to L255M. Net Income reflects United Kingdom segment income totaling L144M vs. loss of L3M, Commission Ratio -%- Canada decrease of 6% to 13.2%, Loss Ratio -%- Scandinavia increase of 13% to 78.3%. more »

Health Trend
Bankruptcy Risk
  Earnings Manipulation Risk
Magic Formula Score
C-
C-
Other Ratios
Leverage (ttm) Total Ex Intang
Gross Gearing %
Net Gearing %
Cash / Assets %
vs.
market
vs.
industry
Recent History
Latest interim period (ended 30th Jun '15) vs. prior year
Sales Growth %
EPS Growth %
3yr Compound Annual Growth Rate
Sales Growth %
EPS Growth %
DPS Growth %

Broker Forecasts
31st Dec 2015
31st Dec 2016

Price Target: 4.93
(-3.01% below Price)
Net Profit EPS DPS Net Profit EPS DPS
Est. Long Term Growth Rate: +36.3% (£) (p) (p) (£) (p) (p)
Consensus Estimate
1m Change
3m Change
13 brokers Broker Consensus Trend
Broker Recommendations for RSA Insurance
Recommendation:Strong SellSellHoldBuyStrong Buy
No. of Analysts: 1 0 9 3 1

Named Brokers and Analysts
Jefferies James Shuck , Credit Suisse Chris Esson , BERNSTEIN Thomas Seidl , Investec Bank (UK) Plc , Canaccord Genuity Benjamin Cohen , Nomura Securities Fahad Changazi , Panmure Gordon Barrie Cornes , Numis Securities Nicholas Johnson , Macquarie Research Andy Hughes , Berenberg Sami Taipalus , Daniel Stewart Simon Willis , Jyske Bank Robert Jakobsen , Charles Stanley Nic Clarke , Raymond James Euro Equities Raphael Caruso , Shore Capital Stockbrokers Eamonn Flanagan , Espirito Santo Investment Bank , Morningstar, Inc. Drew Woodbury , and 1 unnamed other

Profile Summary

RSA Insurance Group plc is an international general insurer. The Company's product lines include personal motor, household, personal other, commercial property, commercial motor, liability and marine and other. It serves small and medium sized commercial, large commercial, mid-market, other and personal customers. The Company's core businesses are the United Kingdom, Ireland, Canada, Scandinavia and Latin America. Its non-core businesses include Noraxis, Russia, India, the United Kingdom legacy and Middle East. Its commercial insurance products cover a range of business sectors from property, marine and motor through to utilities, telecoms, renewable energy, and construction and engineering. The Company runs education and employability programs, including skills-sharing volunteering activities, internships and small and medium enterprise (SME) business mentoring. Its offerings include RSABroker.ca, MORETH>N Website, Name Your Price for Home, M> Drive and Smart Wheels, among others.

Directors: Martin Scicluna (CHM) 64, Stephen Hester (CEO) 55, Scott Egan (CFO) , Rowan Saunders (CEX) 50, David Weymouth (CRO) , Derek Walsh (GCN) , Paul Donaldson (DSL) , Vanessa Evans (DHR) , David Coughlan (OTH) , Neil Lightbown (OTH) , Enrico Cucchiani (NED) 65, Alastair Barbour (NID) 62, Kath Cates (NID) , Hugh Mitchell (NID) 58, Joseph Streppel (NID) 65,

No. of Employees: 19,546 No. of Shareholders: 37,801


Last Annual December 31st, 2014
Last Interim June 30th, 2015
Incorporated January 26, 1989
Public Since July 3, 1989
Shares in Issue 1,016,979,200
Free Float 1.00bn (98.7%)

RSA Share Price Performance RSAQuote
502p
-6.5  -1.3%
Traded 3:03pm · Minimum 15 min delayed · NMS: 5.00k

Latest RSA News Announcements (delayed)

Upcoming RSA Events
Wednesday 9th September, 2015
Dividend For RSNAY
Thursday 10th September, 2015
Dividend For RSA.L
Thursday 5th November, 2015
Q3 2015 RSA Insurance Group PLC Interim Management Statement Release
Wednesday 24th February, 2016 (estimate)
Full Year 2015 RSA Insurance Group PLC Earnings Release

Recent ↓
Thursday 13th August, 2015
Dividend For RSAB.L
Thursday 6th August, 2015
Half Year 2015 RSA Insurance Group PLC Earnings Call
Thursday 6th August, 2015
Half Year 2015 RSA Insurance Group PLC Earnings Release
Friday 8th May, 2015
RSA Insurance Group PLC Annual Shareholders Meeting
Thursday 7th May, 2015
Q1 2015 RSA Insurance Group PLC Interim Management Statement Call
Thursday 7th May, 2015
Q1 2015 RSA Insurance Group PLC Interim Management Statement Release
Tuesday 10th March, 2015
Dividend For RSNAY
Thursday 5th March, 2015
Dividend For RSAB.L
Thursday 5th March, 2015
Dividend For RSA.L
Thursday 26th February, 2015
Full Year 2014 RSA Insurance Group PLC Earnings Call
Thursday 26th February, 2015
Full Year 2014 RSA Insurance Group PLC Earnings Release
Thursday 15th January, 2015
RSA Insurance Group PLC at Citi European Insurance Speed Dating Conference
Wednesday 3rd December, 2014
RSA Insurance Group PLC at Berenberg European Conference
Thursday 6th November, 2014
Q3 2014 RSA Insurance Group PLC Interim Management Statement Call
Thursday 6th November, 2014
Q3 2014 RSA Insurance Group PLC Interim Management Statement Release
Tuesday 30th September, 2014
RSA Insurance Group PLC at Bank of America Merrill Lynch Banking & Insurance CEO Conference
Wednesday 17th September, 2014
RSA Insurance Group PLC at Bernstein Strategic Decisions Conference
Monday 15th September, 2014
RSA Insurance Group PLC at KBW European Financials Conference
Wednesday 13th August, 2014
Dividend For RSAB.L
Thursday 7th August, 2014
Interim 2014 RSA Insurance Group PLC Earnings Call


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