Stock ASSMA ASSURANCES MAGHREBIA SA
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Financials Assurances Maghrebia SA

Equities

ASSMA

TN0007830011

Property & Casualty Insurance

End-of-day quote Tunis
Other stock markets
 03:30:00 30/04/2024 am IST 		5-day change 1st Jan Change
50 TND -.--% Intraday chart for Assurances Maghrebia SA +2.04% -4.67%
2023 Assurances Maghrebia SA Reports Earnings Results for the Half Year Ended June 30, 2023 CI
2022 Assurances Maghrebia SA agreed to acquire 23% stake in Groupe des assurances de Tunisie. CI

Valuation

Fiscal Period: December 2020 2021 2022
Capitalization 1 258.8 287.5 252
Enterprise Value (EV) 1 226.8 260.8 208.4
P/E ratio 11.2 x 9.86 x 8.52 x
Yield 3.25% 3.46% 4.18%
Capitalization / Revenue 1.1 x 1.07 x 0.83 x
EV / Revenue 0.97 x 0.97 x 0.69 x
EV / EBITDA 54,02,834 x - -
EV / FCF 5.76 x 7.55 x 40.4 x
FCF Yield 17.4% 13.3% 2.48%
Price to Book 1.94 x 1.86 x 1.4 x
Nbr of stocks (in thousands) 4,500 4,500 4,500
Reference price 2 57.50 63.88 56.00
Announcement Date 08/12/21 01/12/22 17/11/23
1TND in Million2TND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 174.8 194.4 282.6 234.5 269.6 304.1
EBITDA - - 39.26 41.97 - -
EBIT 1 32.86 35.11 38.35 41.06 47.01 50.52
Operating Margin 18.8% 18.06% 13.57% 17.51% 17.44% 16.61%
Earnings before Tax (EBT) 1 24.26 24.77 27.27 37.12 44.44 47.57
Net income 1 11.53 14.67 16.06 23.13 29.15 29.59
Net margin 6.6% 7.54% 5.68% 9.86% 10.81% 9.73%
EPS - 3.260 3.568 5.140 6.477 6.575
Free Cash Flow 1 23.76 28.5 30.85 39.39 34.56 5.16
FCF margin 13.6% 14.66% 10.92% 16.8% 12.82% 1.7%
FCF Conversion (EBITDA) - - 78.57% 93.85% - -
FCF Conversion (Net income) 206.13% 194.3% 192.11% 170.3% 118.55% 17.44%
Dividend per Share - - - 1.870 2.210 2.340
Announcement Date 19/04/18 07/05/19 15/12/20 08/12/21 01/12/22 17/11/23
1TND in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 8.49 31.8 30.4 32 26.7 43.6
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 23.8 28.5 30.8 39.4 34.6 5.16
ROE (net income / shareholders' equity) 14.6% 15% 14.9% 18.4% 20.2% 18.3%
ROA (Net income/ Total Assets) 3.63% 3.47% 3.35% 3.17% 3.3% 3.2%
Assets 1 317.2 422.2 479.5 730.5 883.8 925.8
Book Value Per Share - 22.80 25.40 29.60 34.30 40.10
Cash Flow per Share - 7.060 6.740 7.110 5.930 9.700
Capex 1 4.87 1.96 0.79 1.62 1.01 9.18
Capex / Sales 2.78% 1.01% 0.28% 0.69% 0.37% 3.02%
Announcement Date 19/04/18 07/05/19 15/12/20 08/12/21 01/12/22 17/11/23
1TND in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Property Insurance

1st Jan change Capi.
ASSURANCES MAGHREBIA SA Stock Assurances Maghrebia SA
-4.67% 71.53M
THE PEOPLE'S INSURANCE COMPANY (GROUP) OF CHINA LIMITED  Stock The People's Insurance Company (Group) of China Limited 
+7.50% 28.62B
FIDELITY NATIONAL FINANCIAL, INC. Stock Fidelity National Financial, Inc.
-0.67% 13.7B
MGIC INVESTMENT CORPORATION Stock MGIC Investment Corporation
+4.56% 5.54B
NMI HOLDINGS, INC. Stock NMI Holdings, Inc.
+7.58% 2.55B
QATAR INSURANCE COMPANY Q.S.P.C. Stock Qatar Insurance Company Q.S.P.C.
-12.39% 2.01B
STEWART INFORMATION SERVICES CORPORATION Stock Stewart Information Services Corporation
+5.34% 1.7B
ZAVAROVALNICA TRIGLAV, D.D. Stock Zavarovalnica Triglav, d.d.
-2.88% 817M
OMAN QATAR INSURANCE COMPANY SAOG Stock Oman Qatar Insurance Company SAOG
-.--% 78.3M
EFU GENERAL INSURANCE LIMITED Stock EFU General Insurance Limited
-1.18% 60.38M
Property Insurance
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