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PSC Insurance Group Ltd
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Let's analyse PSC Insurance Group Ltd together

PenkeI guess you are interested in PSC Insurance Group Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of PSC Insurance Group Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of PSC Insurance Group Ltd (30 sec.)










What can you expect buying and holding a share of PSC Insurance Group Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$0.31
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$1.25
Expected worth in 1 year
A$1.77
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$0.99
Return On Investment
18.8%

For what price can you sell your share?

Current Price per Share
A$5.29
Expected price per share
A$4.8 - A$5.58
How sure are you?
50%

1. Valuation of PSC Insurance Group Ltd (5 min.)




Live pricePrice per Share (EOD)

A$5.29

Intrinsic Value Per Share

A$1.19 - A$3.91

Total Value Per Share

A$2.44 - A$5.16

2. Growth of PSC Insurance Group Ltd (5 min.)




Is PSC Insurance Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$292.6m$262.4m$30.1m10.3%

How much money is PSC Insurance Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$35.8m$17.1m$18.6m52.2%
Net Profit Margin18.7%10.5%--

How much money comes from the company's main activities?

3. Financial Health of PSC Insurance Group Ltd (5 min.)




4. Comparing to competitors in the Insurance Brokers industry (5 min.)




  Industry Rankings (Insurance Brokers)  


Richest
#16 / 28

Most Revenue
#17 / 28

Most Profit
#10 / 28

What can you expect buying and holding a share of PSC Insurance Group Ltd? (5 min.)

Welcome investor! PSC Insurance Group Ltd's management wants to use your money to grow the business. In return you get a share of PSC Insurance Group Ltd.

What can you expect buying and holding a share of PSC Insurance Group Ltd?

First you should know what it really means to hold a share of PSC Insurance Group Ltd. And how you can make/lose money.

Speculation

The Price per Share of PSC Insurance Group Ltd is A$5.29. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of PSC Insurance Group Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in PSC Insurance Group Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$1.25. Based on the TTM, the Book Value Change Per Share is A$0.13 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.17 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.12 per quarter.
Based on historical numbers we can estimate the returns while holding a share of PSC Insurance Group Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.101.9%0.101.9%0.050.9%0.061.1%0.040.8%
Usd Book Value Change Per Share0.081.6%0.081.6%0.112.1%0.112.1%0.081.5%
Usd Dividend Per Share0.081.5%0.081.5%0.061.2%0.051.0%0.030.6%
Usd Total Gains Per Share0.163.0%0.163.0%0.173.3%0.163.1%0.112.1%
Usd Price Per Share3.53-3.53-2.66-2.35-1.61-
Price to Earnings Ratio35.95-35.95-56.59-42.86-35.64-
Price-to-Total Gains Ratio22.13-22.13-15.36-17.90-19.23-
Price to Book Ratio4.40-4.40-3.69-4.34-4.86-
Price-to-Total Gains Ratio22.13-22.13-15.36-17.90-19.23-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share3.396709
Number of shares294
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.080.05
Usd Book Value Change Per Share0.080.11
Usd Total Gains Per Share0.160.16
Gains per Quarter (294 shares)46.9147.56
Gains per Year (294 shares)187.66190.25
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1909717862129180
2181195366123257370
3271292554185386560
4361389742247514750
5452487930308643940
654258411183707721130
763268113064329001320
8723779149449310291510
9813876168255511571700
10903973187061712861890

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.01.01.086.7%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.02.00.086.7%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.00.01.093.3%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.02.00.086.7%

Fundamentals of PSC Insurance Group Ltd

About PSC Insurance Group Ltd

PSC Insurance Group Limited provides diversified insurance services in Australia, the United Kingdom, Hong Kong, and New Zealand. It operates through four segments: Distribution, Agency, United Kingdom, and Group. The company provides commercial and life insurance broking, as well as workers compensation consulting services. It also offers underwriting services in the construction, and plant and equipment industries; hospitality, accommodation, equipment hire, and professional risks industries and classes; and medical and healthcare industries, as well as operates an online travel insurance business under the Travel Insuranz and Insure4Less brands. In addition, it underwrites property and liability insurance; and offers reinsurance. PSC Insurance Group Limited was incorporated in 2010 and is based in East Melbourne, Australia.

Fundamental data was last updated by Penke on 2024-04-03 03:48:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is underpriced.

1.1. Profitability of PSC Insurance Group Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit PSC Insurance Group Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • A Net Profit Margin of 18.7% means that $0.19 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of PSC Insurance Group Ltd:

  • The MRQ is 18.7%. The company is making a huge profit. +2
  • The TTM is 18.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.7%TTM18.7%0.0%
TTM18.7%YOY10.5%+8.2%
TTM18.7%5Y15.6%+3.1%
5Y15.6%10Y16.7%-1.0%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ18.7%7.9%+10.8%
TTM18.7%6.9%+11.8%
YOY10.5%8.8%+1.7%
5Y15.6%8.7%+6.9%
10Y16.7%8.1%+8.6%
1.1.2. Return on Assets

Shows how efficient PSC Insurance Group Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • 5.2% Return on Assets means that PSC Insurance Group Ltd generated $0.05 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of PSC Insurance Group Ltd:

  • The MRQ is 5.2%. Using its assets, the company is efficient in making profit. +1
  • The TTM is 5.2%. Using its assets, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ5.2%TTM5.2%0.0%
TTM5.2%YOY2.7%+2.4%
TTM5.2%5Y3.7%+1.5%
5Y3.7%10Y3.4%+0.3%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ5.2%1.6%+3.6%
TTM5.2%0.9%+4.3%
YOY2.7%0.9%+1.8%
5Y3.7%0.9%+2.8%
10Y3.4%1.1%+2.3%
1.1.3. Return on Equity

Shows how efficient PSC Insurance Group Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • 12.3% Return on Equity means PSC Insurance Group Ltd generated $0.12 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of PSC Insurance Group Ltd:

  • The MRQ is 12.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.3%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.3%TTM12.3%0.0%
TTM12.3%YOY6.6%+5.7%
TTM12.3%5Y10.9%+1.4%
5Y10.9%10Y18.2%-7.4%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ12.3%4.8%+7.5%
TTM12.3%4.9%+7.4%
YOY6.6%3.1%+3.5%
5Y10.9%3.3%+7.6%
10Y18.2%3.4%+14.8%

1.2. Operating Efficiency of PSC Insurance Group Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient PSC Insurance Group Ltd is operating .

  • Measures how much profit PSC Insurance Group Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • An Operating Margin of 23.9% means the company generated $0.24  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of PSC Insurance Group Ltd:

  • The MRQ is 23.9%. The company is operating efficient. +1
  • The TTM is 23.9%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ23.9%TTM23.9%0.0%
TTM23.9%YOY28.8%-4.8%
TTM23.9%5Y26.0%-2.1%
5Y26.0%10Y27.4%-1.4%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ23.9%11.1%+12.8%
TTM23.9%5.4%+18.5%
YOY28.8%9.2%+19.6%
5Y26.0%8.2%+17.8%
10Y27.4%5.9%+21.5%
1.2.2. Operating Ratio

Measures how efficient PSC Insurance Group Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance Brokers industry mean).
  • An Operation Ratio of 1.12 means that the operating costs are $1.12 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of PSC Insurance Group Ltd:

  • The MRQ is 1.121. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.121. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.121TTM1.1210.000
TTM1.121YOY1.231-0.110
TTM1.1215Y0.915+0.206
5Y0.91510Y0.878+0.037
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1210.939+0.182
TTM1.1211.002+0.119
YOY1.2310.998+0.233
5Y0.9150.967-0.052
10Y0.8780.957-0.079

1.3. Liquidity of PSC Insurance Group Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if PSC Insurance Group Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance Brokers industry mean).
  • A Current Ratio of 1.27 means the company has $1.27 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of PSC Insurance Group Ltd:

  • The MRQ is 1.269. The company is just able to pay all its short-term debts.
  • The TTM is 1.269. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.269TTM1.2690.000
TTM1.269YOY1.321-0.052
TTM1.2695Y1.227+0.041
5Y1.22710Y18.416-17.189
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2691.279-0.010
TTM1.2691.343-0.074
YOY1.3211.389-0.068
5Y1.2271.321-0.094
10Y18.4161.390+17.026
1.3.2. Quick Ratio

Measures if PSC Insurance Group Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • A Quick Ratio of 0.43 means the company can pay off $0.43 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of PSC Insurance Group Ltd:

  • The MRQ is 0.428. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.428. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.428TTM0.4280.000
TTM0.428YOY0.525-0.097
TTM0.4285Y0.554-0.126
5Y0.55410Y17.684-17.131
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4281.040-0.612
TTM0.4281.140-0.712
YOY0.5251.131-0.606
5Y0.5541.164-0.610
10Y17.6841.276+16.408

1.4. Solvency of PSC Insurance Group Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of PSC Insurance Group Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare PSC Insurance Group Ltd to Insurance Brokers industry mean.
  • A Debt to Asset Ratio of 0.58 means that PSC Insurance Group Ltd assets are financed with 57.8% credit (debt) and the remaining percentage (100% - 57.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of PSC Insurance Group Ltd:

  • The MRQ is 0.578. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.578. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.578TTM0.5780.000
TTM0.578YOY0.582-0.003
TTM0.5785Y0.639-0.061
5Y0.63910Y0.752-0.112
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5780.621-0.043
TTM0.5780.624-0.046
YOY0.5820.619-0.037
5Y0.6390.594+0.045
10Y0.7520.583+0.169
1.4.2. Debt to Equity Ratio

Measures if PSC Insurance Group Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • A Debt to Equity ratio of 137.7% means that company has $1.38 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of PSC Insurance Group Ltd:

  • The MRQ is 1.377. The company is able to pay all its debts with equity. +1
  • The TTM is 1.377. The company is able to pay all its debts with equity. +1
Trends
Current periodCompared to+/- 
MRQ1.377TTM1.3770.000
TTM1.377YOY1.396-0.019
TTM1.3775Y2.021-0.644
5Y2.02110Y5.330-3.309
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.3771.599-0.222
TTM1.3771.726-0.349
YOY1.3961.910-0.514
5Y2.0211.766+0.255
10Y5.3302.078+3.252

2. Market Valuation of PSC Insurance Group Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings PSC Insurance Group Ltd generates.

  • Above 15 is considered overpriced but always compare PSC Insurance Group Ltd to the Insurance Brokers industry mean.
  • A PE ratio of 35.95 means the investor is paying $35.95 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of PSC Insurance Group Ltd:

  • The EOD is 34.573. Based on the earnings, the company is overpriced. -1
  • The MRQ is 35.946. Based on the earnings, the company is overpriced. -1
  • The TTM is 35.946. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD34.573MRQ35.946-1.372
MRQ35.946TTM35.9460.000
TTM35.946YOY56.592-20.647
TTM35.9465Y42.862-6.916
5Y42.86210Y35.639+7.222
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD34.5738.977+25.596
MRQ35.9468.107+27.839
TTM35.9468.594+27.352
YOY56.59212.412+44.180
5Y42.86211.599+31.263
10Y35.63913.740+21.899
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of PSC Insurance Group Ltd:

  • The EOD is 23.670. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 24.610. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 24.610. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD23.670MRQ24.610-0.940
MRQ24.610TTM24.6100.000
TTM24.610YOY22.250+2.360
TTM24.6105Y34.563-9.954
5Y34.56310Y15.309+19.255
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD23.67014.772+8.898
MRQ24.61013.880+10.730
TTM24.6103.232+21.378
YOY22.2502.392+19.858
5Y34.5637.050+27.513
10Y15.3095.726+9.583
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of PSC Insurance Group Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance Brokers industry mean).
  • A PB ratio of 4.40 means the investor is paying $4.40 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of PSC Insurance Group Ltd:

  • The EOD is 4.230. Based on the equity, the company is fair priced.
  • The MRQ is 4.398. Based on the equity, the company is fair priced.
  • The TTM is 4.398. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD4.230MRQ4.398-0.168
MRQ4.398TTM4.3980.000
TTM4.398YOY3.691+0.707
TTM4.3985Y4.342+0.056
5Y4.34210Y4.863-0.521
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD4.2301.971+2.259
MRQ4.3981.997+2.401
TTM4.3982.227+2.171
YOY3.6911.719+1.972
5Y4.3422.608+1.734
10Y4.8632.424+2.439
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of PSC Insurance Group Ltd.

3.1. Funds holding PSC Insurance Group Ltd

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2021-01-31John Hancock Fds II-International Small Company Fund0.01-22331--
Total 0.0102233100.0%

4. Summary

4.1. Key Performance Indicators

The key performance indicators of PSC Insurance Group Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.1290.1290%0.171-25%0.170-24%0.122+6%
Book Value Per Share--1.2511.2510%1.122+11%0.883+42%0.532+135%
Current Ratio--1.2691.2690%1.321-4%1.227+3%18.416-93%
Debt To Asset Ratio--0.5780.5780%0.582-1%0.639-10%0.752-23%
Debt To Equity Ratio--1.3771.3770%1.396-1%2.021-32%5.330-74%
Dividend Per Share--0.1200.1200%0.098+22%0.082+47%0.051+133%
Eps--0.1530.1530%0.073+109%0.091+69%0.064+138%
Free Cash Flow Per Share--0.2230.2230%0.186+20%0.127+76%0.086+160%
Free Cash Flow To Equity Per Share--0.1380.1380%0.325-57%0.106+31%0.098+42%
Gross Profit Margin--0.9810.9810%0.991-1%0.950+3%0.975+1%
Intrinsic Value_10Y_max--3.912--------
Intrinsic Value_10Y_min--1.191--------
Intrinsic Value_1Y_max--0.222--------
Intrinsic Value_1Y_min--0.095--------
Intrinsic Value_3Y_max--0.797--------
Intrinsic Value_3Y_min--0.309--------
Intrinsic Value_5Y_max--1.528--------
Intrinsic Value_5Y_min--0.546--------
Market Cap1927702407.680-4%2004227456.0002004227456.0000%1508636666.880+33%1333722270.720+50%915749744.896+119%
Net Profit Margin--0.1870.1870%0.105+78%0.156+20%0.167+12%
Operating Margin--0.2390.2390%0.288-17%0.260-8%0.274-13%
Operating Ratio--1.1211.1210%1.231-9%0.915+23%0.878+28%
Pb Ratio4.230-4%4.3984.3980%3.691+19%4.342+1%4.863-10%
Pe Ratio34.573-4%35.94635.9460%56.592-36%42.862-16%35.639+1%
Price Per Share5.290-4%5.5005.5000%4.140+33%3.660+50%2.513+119%
Price To Free Cash Flow Ratio23.670-4%24.61024.6100%22.250+11%34.563-29%15.309+61%
Price To Total Gains Ratio21.286-4%22.13122.1310%15.359+44%17.903+24%19.226+15%
Quick Ratio--0.4280.4280%0.525-18%0.554-23%17.684-98%
Return On Assets--0.0520.0520%0.027+89%0.037+40%0.034+53%
Return On Equity--0.1230.1230%0.066+88%0.109+13%0.182-33%
Total Gains Per Share--0.2490.2490%0.270-8%0.252-1%0.173+44%
Usd Book Value--292623590.900292623590.9000%262468006.500+11%206704189.900+42%124453446.577+135%
Usd Book Value Change Per Share--0.0830.0830%0.110-25%0.109-24%0.078+6%
Usd Book Value Per Share--0.8030.8030%0.720+11%0.567+42%0.342+135%
Usd Dividend Per Share--0.0770.0770%0.063+22%0.052+47%0.033+133%
Usd Eps--0.0980.0980%0.047+109%0.058+69%0.041+138%
Usd Free Cash Flow--52292624.00052292624.0000%43536948.400+20%29676834.640+76%20143912.657+160%
Usd Free Cash Flow Per Share--0.1440.1440%0.119+20%0.081+76%0.055+160%
Usd Free Cash Flow To Equity Per Share--0.0890.0890%0.209-57%0.068+31%0.063+42%
Usd Market Cap1237777715.971-4%1286914449.4981286914449.4980%968695603.804+33%856383070.029+50%588002911.198+119%
Usd Price Per Share3.397-4%3.5323.5320%2.658+33%2.350+50%1.614+119%
Usd Profit--35801569.70035801569.7000%17117101.800+109%21246061.640+69%15048696.851+138%
Usd Revenue--191239853.500191239853.5000%162740887.100+18%137047384.020+40%91414185.491+109%
Usd Total Gains Per Share--0.1600.1600%0.173-8%0.162-1%0.111+44%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+27 -910Y+28 -8

4.2. Fundamental Score

Let's check the fundamental score of PSC Insurance Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1534.573
Price to Book Ratio (EOD)Between0-14.230
Net Profit Margin (MRQ)Greater than00.187
Operating Margin (MRQ)Greater than00.239
Quick Ratio (MRQ)Greater than10.428
Current Ratio (MRQ)Greater than11.269
Debt to Asset Ratio (MRQ)Less than10.578
Debt to Equity Ratio (MRQ)Less than11.377
Return on Equity (MRQ)Greater than0.150.123
Return on Assets (MRQ)Greater than0.050.052
Total5/10 (50.0%)

4.3. Technical Score

Let's check the technical score of PSC Insurance Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose5.240
Total0/1 (0.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets1,080,465
Total Liabilities624,736
Total Stockholder Equity453,663
 As reported
Total Liabilities 624,736
Total Stockholder Equity+ 453,663
Total Assets = 1,080,465

Assets

Total Assets1,080,465
Total Current Assets437,278
Long-term Assets643,187
Total Current Assets
Cash And Cash Equivalents 346,161
Short-term Investments 2,424
Net Receivables 71,300
Inventory -145,094
Total Current Assets  (as reported)437,278
Total Current Assets  (calculated)274,791
+/- 162,487
Long-term Assets
Property Plant Equipment 35,386
Goodwill 399,533
Long Term Investments 84,384
Intangible Assets 519,892
Other Assets 0
Long-term Assets  (as reported)643,187
Long-term Assets  (calculated)1,039,195
+/- 396,008

Liabilities & Shareholders' Equity

Total Current Liabilities344,650
Long-term Liabilities280,086
Total Stockholder Equity453,663
Total Current Liabilities
Short-term Debt 6,191
Accounts payable 277,889
Other Current Liabilities 47,867
Total Current Liabilities  (as reported)344,650
Total Current Liabilities  (calculated)331,947
+/- 12,703
Long-term Liabilities
Long term Debt Total 229,543
Other Liabilities 50,955
Long-term Liabilities  (as reported)280,086
Long-term Liabilities  (calculated)280,498
+/- 412
Total Stockholder Equity
Common Stock425,981
Retained Earnings 53,074
Accumulated Other Comprehensive Income -25,392
Other Stockholders Equity 0
Total Stockholder Equity (as reported)453,663
Total Stockholder Equity (calculated)453,663
+/-0
Other
Capital Stock425,981
Cash And Equivalents36,844
Cash and Short Term Investments 73,794
Common Stock Shares Outstanding 354,496
Current Deferred Revenue12,703
Liabilities and Stockholders Equity 1,080,465
Net Debt -110,427
Net Invested Capital 667,356
Net Tangible Assets -66,229
Net Working Capital 95,806
Property Plant and Equipment Gross 53,256
Short Long Term Debt Total 235,734



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302012-06-302004-06-302003-06-302002-06-302001-06-30
> Total Assets 
14,372
20,565
20,256
23,265
114,779
135,984
401,751
512,290
513,600
671,566
766,467
658,341
888,864
976,829
1,080,465
1,080,465976,829888,864658,341766,467671,566513,600512,290401,751135,984114,77923,26520,25620,56514,372
   > Total Current Assets 
14,369
20,552
20,198
23,230
0
98,385
360,810
443,165
428,559
530,740
571,124
267,430
367,976
427,616
437,278
437,278427,616367,976267,430571,124530,740428,559443,165360,81098,385023,23020,19820,55214,369
       Cash And Cash Equivalents 
5,385
4,970
1,886
3,446
21,887
39,564
922
87,252
80,124
160,972
132,955
193,877
292,288
347,399
346,161
346,161347,399292,288193,877132,955160,97280,12487,25292239,56421,8873,4461,8864,9705,385
       Short-term Investments 
8,648
15,497
17,641
19,627
0
13
361
971
41
29
3,373
57
945
755
2,424
2,424755945573,373294197136113019,62717,64115,4978,648
       Net Receivables 
317
53
671
157
55,134
53,626
297,647
339,384
328,805
359,938
438,169
49,552
57,714
62,287
71,300
71,30062,28757,71449,552438,169359,938328,805339,384297,64753,62655,13415767153317
       Other Current Assets 
0
0
0
0
91
56
52,479
80,228
71,355
9,830
12,938
267,430
367,976
427,616
437,278
437,278427,616367,976267,43012,9389,83071,35580,22852,47956910000
   > Long-term Assets 
0
0
0
0
0
0
0
69,126
85,041
140,826
182,405
390,911
520,888
549,213
643,187
643,187549,213520,888390,911182,405140,82685,04169,1260000000
       Property Plant Equipment 
3
2
1
1
937
1,034
1,091
1,749
11,963
12,967
15,261
31,517
38,846
37,172
35,386
35,38637,17238,84631,51715,26112,96711,9631,7491,0911,0349371123
       Goodwill 
0
0
0
0
35,526
36,812
37,354
61,724
66,512
84,630
94,952
257,040
333,254
357,136
399,533
399,533357,136333,254257,04094,95284,63066,51261,72437,35436,81235,5260000
       Long Term Investments 
0
0
0
0
0
3,935
638
9,470
13,986
32,187
59,069
42,965
59,698
53,991
84,384
84,38453,99159,69842,96559,06932,18713,9869,4706383,93500000
       Intangible Assets 
0
0
0
0
36,662
37,756
1,154
5,652
6,566
11,042
13,123
316,372
420,880
457,295
519,892
519,892457,295420,880316,37213,12311,0426,5665,6521,15437,75636,6620000
       Other Assets 
0
11
57
34
32
0
229
512,290
513,600
812,392
12,938
7,341
1,461
1,022
0
01,0221,4617,34112,938812,392513,600512,2902290323457110
> Total Liabilities 
355
770
1,175
1,773
101,926
118,625
381,676
444,487
435,628
526,146
612,294
413,820
542,457
568,064
624,736
624,736568,064542,457413,820612,294526,146435,628444,487381,676118,625101,9261,7731,175770355
   > Total Current Liabilities 
79
308
836
1,015
83,984
91,296
347,588
411,602
388,097
3,055
515,665
218,724
302,466
323,707
344,650
344,650323,707302,466218,724515,6653,055388,097411,602347,58891,29683,9841,01583630879
       Short-term Debt 
0
0
0
0
0
31,045
552
566
635
935
1,192
2,341
3,962
4,842
6,191
6,1914,8423,9622,3411,19293563556655231,04500000
       Short Long Term Debt 
0
0
0
0
0
31,045
5,581
566
635
935
1,192
0
0
0
0
00001,1929356355665,58131,04500000
       Accounts payable 
0
0
751
6
447
1,185
1,664
3,421
1,203
1,888
514,224
170,375
246,834
245,138
277,889
277,889245,138246,834170,375514,2241,8881,2033,4211,6641,185447675100
       Other Current Liabilities 
79
308
85
1,009
74,842
84,406
8,405
13,984
13,410
14,208
-515,665
40,682
46,147
65,714
47,867
47,86765,71446,14740,682-515,66514,20813,41013,9848,40584,40674,8421,0098530879
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
66,892
69,086
195,096
239,991
244,357
280,086
280,086244,357239,991195,09669,08666,892000000000
       Long term Debt Total 
0
0
0
0
0
0
29,564
26,154
43,748
53,410
55,831
172,414
195,948
205,438
229,543
229,543205,438195,948172,41455,83153,41043,74826,15429,564000000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
-31,045
-552
-566
-635
-935
-1,192
13,909
19,269
18,459
15,850
15,85018,45919,26913,909-1,192-935-635-566-552-31,04500000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
4,572
16,504
5,755
8,808
8,8085,75516,5044,57200000000000
> Total Stockholder Equity
14,017
19,795
19,081
21,492
9,403
14,625
20,076
66,374
76,296
143,456
151,158
241,829
345,292
406,928
453,663
453,663406,928345,292241,829151,158143,45676,29666,37420,07614,6259,40321,49219,08119,79514,017
   Common Stock
13,117
18,747
18,804
18,942
3,599
3,599
3,599
85,194
85,994
140,395
140,572
243,043
331,174
411,661
425,981
425,981411,661331,174243,043140,572140,39585,99485,1943,5993,5993,59918,94218,80418,74713,117
   Retained Earnings 
899
1,048
277
2,550
5,782
10,770
15,335
18,920
28,496
40,429
44,807
39,235
51,368
42,157
53,074
53,07442,15751,36839,23544,80740,42928,49618,92015,33510,7705,7822,5502771,048899
   Capital Surplus 000000000000000
   Treasury Stock000000000000000
   Other Stockholders Equity 
0
0
0
0
0
256
1,142
-37,895
-38,194
-37,368
-36,473
-282,278
-382,542
-453,818
0
0-453,818-382,542-282,278-36,473-37,368-38,194-37,8951,14225600000



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.


Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue297,835
Cost of Revenue-141,955
Gross Profit155,880155,880
 
Operating Income (+$)
Gross Profit155,880
Operating Expense-191,914
Operating Income76,896-36,034
 
Operating Expense (+$)
Research Development0
Selling General Administrative48,170
Selling And Marketing Expenses1,066
Operating Expense191,91449,236
 
Net Interest Income (+$)
Interest Income61
Interest Expense-10,146
Other Finance Cost-61
Net Interest Income-10,146
 
Pretax Income (+$)
Operating Income76,896
Net Interest Income-10,146
Other Non-Operating Income Expenses0
Income Before Tax (EBT)79,960-3,064
EBIT - interestExpense = 61,126
79,063
65,903
Interest Expense10,146
Earnings Before Interest and Taxes (EBIT)71,27290,106
Earnings Before Interest and Taxes (EBITDA)93,685
 
After tax Income (+$)
Income Before Tax79,960
Tax Provision-23,306
Net Income From Continuing Ops56,40356,654
Net Income55,757
Net Income Applicable To Common Shares55,757
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses-191,914
Total Other Income/Expenses Net79,96010,146
 

Technical Analysis of PSC Insurance Group Ltd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of PSC Insurance Group Ltd. The general trend of PSC Insurance Group Ltd is UNKNOWN with 0.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine PSC Insurance Group Ltd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator StateBullish trend Bearish trend
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of PSC Insurance Group Ltd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 5.58.

The bearish price targets are: 5.0216 > 4.8434142259414 > 4.8.

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PSC Insurance Group Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of PSC Insurance Group Ltd. The current mas is .

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

PSC Insurance Group Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of PSC Insurance Group Ltd.

PSC Insurance Group Ltd Daily Moving Average Convergence/Divergence (MACD) ChartPSC Insurance Group Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of PSC Insurance Group Ltd. The current adx is .

PSC Insurance Group Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of PSC Insurance Group Ltd.