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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$0.11
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$1.30
Expected worth in 1 year
A$1.52
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$0.39
Return On Investment
7.3%

For what price can you sell your share?

Current Price per Share
A$5.42
Expected price per share
A$4.8 - A$5.48
How sure are you?
50%

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




Live pricePrice per Share (EOD)

A$5.42

Intrinsic Value Per Share

A$8.09 - A$9.66

Total Value Per Share

A$9.39 - A$10.96

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




Is PSC Insurance Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$308.8m$267.7m$33.4m11.1%

How much money is PSC Insurance Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$17.6m$7.7m$9.8m56.0%
Net Profit Margin20.6%9.8%--

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
#20 / 28

Most Profit
#12 / 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$5.42. 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$1.30. Based on the TTM, the Book Value Change Per Share is A$0.06 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.05 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$0.04 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 Eps0.051.0%0.050.9%0.020.3%0.020.4%0.020.3%
Usd Book Value Change Per Share0.030.6%0.040.7%0.030.6%0.030.6%0.020.4%
Usd Dividend Per Share0.051.0%0.030.5%0.020.4%0.020.3%0.010.2%
Usd Total Gains Per Share0.081.6%0.061.2%0.051.0%0.050.9%0.030.6%
Usd Price Per Share3.05-3.25-3.01-2.43-1.83-
Price to Earnings Ratio14.45-18.14-53.69-39.57-37.26-
Price-to-Total Gains Ratio36.13-100.91-93.41-116.24-179.07-
Price to Book Ratio3.60-3.95-4.10-4.37-5.42-
Price-to-Total Gains Ratio36.13-100.91-93.41-116.24-179.07-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share3.535466
Number of shares282
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.030.02
Usd Book Value Change Per Share0.040.03
Usd Total Gains Per Share0.060.05
Gains per Quarter (282 shares)18.1613.48
Gains per Year (282 shares)72.6453.93
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1314163183544
26383136377198
39412420955106152
412616528274142206
515720635592177260
6188248428111213314
7220289501129248368
8251330574148283422
9282371647166319476
10314413720185354530

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 Share3.00.00.0100.0%11.00.00.0100.0%19.00.00.0100.0%36.00.00.0100.0%40.00.00.0100.0%
Book Value Change Per Share2.00.01.066.7%5.01.05.045.5%9.02.08.047.4%15.07.014.041.7%17.07.016.042.5%
Dividend per Share3.00.00.0100.0%11.00.00.0100.0%19.00.00.0100.0%36.00.00.0100.0%38.00.02.095.0%
Total Gains per Share3.00.00.0100.0%11.00.00.0100.0%19.00.00.0100.0%36.00.00.0100.0%39.00.01.097.5%

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 2024-03-12 11:51:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less 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 less efficient 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 fair priced.
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 18.2% means that $0.18 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 18.2%. The company is making a huge profit. +2
  • The TTM is 20.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.2%TTM20.6%-2.4%
TTM20.6%YOY9.8%+10.8%
TTM20.6%5Y13.2%+7.4%
5Y13.2%10Y16.1%-2.9%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ18.2%8.5%+9.7%
TTM20.6%9.7%+10.9%
YOY9.8%7.9%+1.9%
5Y13.2%8.8%+4.4%
10Y16.1%8.3%+7.8%
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.
  • 2.7% Return on Assets means that PSC Insurance Group Ltd generated $0.03 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 2.7%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.5%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.7%TTM2.5%+0.2%
TTM2.5%YOY1.2%+1.3%
TTM2.5%5Y1.4%+1.1%
5Y1.4%10Y1.2%+0.2%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ2.7%1.5%+1.2%
TTM2.5%1.1%+1.4%
YOY1.2%0.8%+0.4%
5Y1.4%0.9%+0.5%
10Y1.2%1.0%+0.2%
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.
  • 6.3% Return on Equity means PSC Insurance Group Ltd generated $0.06 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 6.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 5.8%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ6.3%TTM5.8%+0.4%
TTM5.8%YOY2.8%+3.0%
TTM5.8%5Y3.7%+2.1%
5Y3.7%10Y4.5%-0.8%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ6.3%4.5%+1.8%
TTM5.8%4.4%+1.4%
YOY2.8%2.6%+0.2%
5Y3.7%3.2%+0.5%
10Y4.5%3.3%+1.2%

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 -0.2% means the company generated $0.00  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 -0.2%. The company is operating very inefficient. -2
  • The TTM is 16.4%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ-0.2%TTM16.4%-16.6%
TTM16.4%YOY20.8%-4.4%
TTM16.4%5Y17.6%-1.2%
5Y17.6%10Y19.1%-1.5%
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.2%9.1%-9.3%
TTM16.4%7.8%+8.6%
YOY20.8%7.0%+13.8%
5Y17.6%9.1%+8.5%
10Y19.1%8.1%+11.0%
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 0.69 means that the operating costs are $0.69 for each $1 in net sales.

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

  • The MRQ is 0.688. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.804. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.688TTM0.804-0.116
TTM0.804YOY0.790+0.014
TTM0.8045Y0.454+0.350
5Y0.45410Y0.549-0.096
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6880.909-0.221
TTM0.8041.002-0.198
YOY0.7900.998-0.208
5Y0.4540.953-0.499
10Y0.5490.948-0.399

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 1.17 means the company has $1.17 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 1.172. The company is just able to pay all its short-term debts.
  • The TTM is 1.240. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.172TTM1.240-0.068
TTM1.240YOY1.044+0.195
TTM1.2405Y1.183+0.056
5Y1.18310Y5.696-4.513
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1721.213-0.041
TTM1.2401.281-0.041
YOY1.0441.309-0.265
5Y1.1831.321-0.138
10Y5.6961.390+4.306
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 0.99 means the company can pay off $0.99 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 0.987. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.626. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.987TTM0.626+0.361
TTM0.626YOY0.283+0.343
TTM0.6265Y0.482+0.143
5Y0.48210Y5.347-4.865
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9871.050-0.063
TTM0.6261.140-0.514
YOY0.2831.115-0.832
5Y0.4821.135-0.653
10Y5.3471.276+4.071

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 0.57 means that PSC Insurance Group Ltd assets are financed with 56.7% credit (debt) and the remaining percentage (100% - 56.7%) 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 0.567. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.574. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.567TTM0.574-0.007
TTM0.574YOY0.583-0.008
TTM0.5745Y0.631-0.057
5Y0.63110Y0.706-0.075
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5670.586-0.019
TTM0.5740.621-0.047
YOY0.5830.620-0.037
5Y0.6310.594+0.037
10Y0.7060.583+0.123
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 131.6% means that company has $1.32 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 1.316. The company is able to pay all its debts with equity. +1
  • The TTM is 1.332. The company is able to pay all its debts with equity. +1
Trends
Current periodCompared to+/- 
MRQ1.316TTM1.332-0.017
TTM1.332YOY1.367-0.034
TTM1.3325Y1.850-0.518
5Y1.85010Y3.917-2.067
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
MRQ1.3161.293+0.023
TTM1.3321.726-0.394
YOY1.3671.529-0.162
5Y1.8501.681+0.169
10Y3.9172.078+1.839

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 14.45 means the investor is paying $14.45 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 16.767. Based on the earnings, the company is fair priced.
  • The MRQ is 14.447. Based on the earnings, the company is underpriced. +1
  • The TTM is 18.138. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD16.767MRQ14.447+2.320
MRQ14.447TTM18.138-3.690
TTM18.138YOY53.685-35.548
TTM18.1385Y39.571-21.433
5Y39.57110Y37.262+2.309
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD16.76710.838+5.929
MRQ14.4479.728+4.719
TTM18.13810.028+8.110
YOY53.68514.310+39.375
5Y39.57116.009+23.562
10Y37.26216.578+20.684
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 9.962. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 8.584. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 27.876. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD9.962MRQ8.584+1.379
MRQ8.584TTM27.876-19.292
TTM27.876YOY24.254+3.621
TTM27.8765Y-68.153+96.029
5Y-68.15310Y-35.781-32.372
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD9.96211.650-1.688
MRQ8.58410.065-1.481
TTM27.8761.450+26.426
YOY24.2543.299+20.955
5Y-68.1536.201-74.354
10Y-35.7814.995-40.776
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 3.60 means the investor is paying $3.60 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 4.175. Based on the equity, the company is fair priced.
  • The MRQ is 3.597. Based on the equity, the company is fair priced.
  • The TTM is 3.946. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD4.175MRQ3.597+0.578
MRQ3.597TTM3.946-0.349
TTM3.946YOY4.104-0.158
TTM3.9465Y4.373-0.427
5Y4.37310Y5.422-1.049
Compared to industry (Insurance Brokers)
PeriodCompanyIndustry (mean)+/- 
EOD4.1752.071+2.104
MRQ3.5971.787+1.810
TTM3.9462.232+1.714
YOY4.1041.935+2.169
5Y4.3732.611+1.762
10Y5.4222.424+2.998
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--0.0480.056-14%0.046+5%0.048+1%0.034+42%
Book Value Per Share--1.2981.266+3%1.126+15%0.880+47%0.577+125%
Current Ratio--1.1721.240-5%1.044+12%1.183-1%5.696-79%
Debt To Asset Ratio--0.5670.574-1%0.583-3%0.631-10%0.706-20%
Debt To Equity Ratio--1.3161.332-1%1.367-4%1.850-29%3.917-66%
Dividend Per Share--0.0810.043+89%0.033+147%0.025+221%0.017+374%
Eps--0.0810.074+9%0.029+178%0.032+150%0.024+240%
Free Cash Flow Per Share--0.1360.068+99%0.058+136%0.036+280%0.025+437%
Free Cash Flow To Equity Per Share--0.0540.040+34%0.107-49%0.045+20%0.038+41%
Gross Profit Margin--1.0000.979+2%0.996+0%-0.107+111%0.416+140%
Intrinsic Value_10Y_max--9.659--------
Intrinsic Value_10Y_min--8.095--------
Intrinsic Value_1Y_max--0.325--------
Intrinsic Value_1Y_min--0.319--------
Intrinsic Value_3Y_max--1.466--------
Intrinsic Value_3Y_min--1.390--------
Intrinsic Value_5Y_max--3.198--------
Intrinsic Value_5Y_min--2.926--------
Market Cap1976262080.000+14%1702794080.0001819473760.000-6%1684562880.000+1%1357168909.474+25%1020947200.000+67%
Net Profit Margin--0.1820.206-12%0.098+86%0.132+38%0.161+13%
Operating Margin---0.0020.164-101%0.208-101%0.176-101%0.191-101%
Operating Ratio--0.6880.804-14%0.790-13%0.454+52%0.549+25%
Pb Ratio4.175+14%3.5973.946-9%4.104-12%4.373-18%5.422-34%
Pe Ratio16.767+14%14.44718.138-20%53.685-73%39.571-63%37.262-61%
Price Per Share5.420+14%4.6704.990-6%4.620+1%3.722+25%2.800+67%
Price To Free Cash Flow Ratio9.962+14%8.58427.876-69%24.254-65%-68.153+894%-35.781+517%
Price To Total Gains Ratio41.937+14%36.134100.909-64%93.413-61%116.238-69%179.070-80%
Quick Ratio--0.9870.626+58%0.283+249%0.482+105%5.347-82%
Return On Assets--0.0270.025+8%0.012+123%0.014+93%0.012+123%
Return On Equity--0.0630.058+8%0.028+120%0.037+68%0.045+38%
Total Gains Per Share--0.1290.099+31%0.079+64%0.073+76%0.051+153%
Usd Book Value--308800776.900301114943.433+3%267714030.650+15%209387888.021+47%137345126.175+125%
Usd Book Value Change Per Share--0.0320.037-14%0.030+5%0.031+1%0.022+42%
Usd Book Value Per Share--0.8470.826+3%0.734+15%0.574+47%0.377+125%
Usd Dividend Per Share--0.0530.028+89%0.021+147%0.016+221%0.011+374%
Usd Eps--0.0530.048+9%0.019+178%0.021+150%0.016+240%
Usd Free Cash Flow--32350166.20016224223.033+99%13706453.750+136%8519175.326+280%6023657.111+437%
Usd Free Cash Flow Per Share--0.0890.044+99%0.038+136%0.023+280%0.017+437%
Usd Free Cash Flow To Equity Per Share--0.0350.026+34%0.070-49%0.029+20%0.025+41%
Usd Market Cap1289115754.784+14%1110732578.3841186842733.648-6%1098840366.624+1%885281279.650+25%665963858.560+67%
Usd Price Per Share3.535+14%3.0463.255-6%3.014+1%2.428+25%1.826+67%
Usd Profit--19220671.80017639822.750+9%7753482.413+148%8288982.089+132%5666979.027+239%
Usd Revenue--105622372.90087043129.433+21%55238231.675+91%45226053.226+134%30172334.645+250%
Usd Total Gains Per Share--0.0840.064+31%0.052+64%0.048+76%0.033+153%
 EOD+4 -4MRQTTM+27 -9YOY+31 -55Y+30 -610Y+29 -7

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)Between0-1516.767
Price to Book Ratio (EOD)Between0-14.175
Net Profit Margin (MRQ)Greater than00.182
Operating Margin (MRQ)Greater than0-0.002
Quick Ratio (MRQ)Greater than10.987
Current Ratio (MRQ)Greater than11.172
Debt to Asset Ratio (MRQ)Less than10.567
Debt to Equity Ratio (MRQ)Less than11.316
Return on Equity (MRQ)Greater than0.150.063
Return on Assets (MRQ)Greater than0.050.027
Total3/10 (30.0%)

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
RsiGreater than5069.365
Ma 20Greater thanMa 505.174
Ma 50Greater thanMa 1004.872
Ma 100Greater thanMa 2004.643
OpenGreater thanClose5.400
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-09-302022-12-312023-03-312023-06-302023-12-31
EBIT  17,58917,58935,177-14,31820,86015,23636,095-36,392-297
Operating Income  17,58917,58935,177-14,31820,86020,86041,719-42,016-297



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in AUD. All numbers in thousands.

Summary
Total Assets1,093,312
Total Liabilities619,909
Total Stockholder Equity471,233
 As reported
Total Liabilities 619,909
Total Stockholder Equity+ 471,233
Total Assets = 1,093,312

Assets

Total Assets1,093,312
Total Current Assets397,430
Long-term Assets695,882
Total Current Assets
Cash And Cash Equivalents 334,829
Total Current Assets  (as reported)397,430
Total Current Assets  (calculated)334,829
+/- 62,601
Long-term Assets
Property Plant Equipment 33,949
Long-term Assets Other 635,967
Long-term Assets  (as reported)695,882
Long-term Assets  (calculated)669,916
+/- 25,966

Liabilities & Shareholders' Equity

Total Current Liabilities339,175
Long-term Liabilities280,734
Total Stockholder Equity471,233
Total Current Liabilities
Short-term Debt 6,694
Accounts payable 291,986
Other Current Liabilities 28,277
Total Current Liabilities  (as reported)339,175
Total Current Liabilities  (calculated)326,957
+/- 12,218
Long-term Liabilities
Long-term Liabilities  (as reported)280,734
Long-term Liabilities  (calculated)0
+/- 280,734
Total Stockholder Equity
Common Stock449,181
Retained Earnings 52,720
Accumulated Other Comprehensive Income -32,260
Other Stockholders Equity 1,592
Total Stockholder Equity (as reported)471,233
Total Stockholder Equity (calculated)471,233
+/-0
Other
Cash and Short Term Investments 334,829
Common Stock Shares Outstanding 359,341
Current Deferred Revenue12,218
Liabilities and Stockholders Equity 1,093,312
Net Debt -103,062
Net Working Capital 58,255
Short Long Term Debt Total 231,767



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-12-312023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-09-302014-06-302013-06-302012-06-302004-12-312004-09-302004-06-302004-03-31
> Total Assets 
23,265
23,265
27,718
27,718
114,779
113,860
141,111
0
401,751
401,751
385,608
385,608
512,290
512,290
458,398
458,398
513,870
513,600
612,052
612,052
671,566
671,566
618,378
618,378
766,467
766,467
637,883
637,883
0
662,282
0
782,080
0
888,864
0
917,681
976,829
976,829
989,895
989,895
1,080,465
1,080,465
1,093,312
1,093,3121,080,4651,080,465989,895989,895976,829976,829917,6810888,8640782,0800662,2820637,883637,883766,467766,467618,378618,378671,566671,566612,052612,052513,600513,870458,398458,398512,290512,290385,608385,608401,751401,7510141,111113,860114,77927,71827,71823,26523,265
   > Total Current Assets 
23,230
23,230
7,390
7,390
0
0
0
0
0
0
0
0
0
443,165
0
0
411,096
428,559
479,893
479,893
524,008
530,740
420,201
420,201
577,330
584,062
230,607
230,607
264,087
271,428
367,541
367,541
367,979
369,440
362,412
362,412
116,374
427,616
406,987
398,838
440,044
437,278
397,430
397,430437,278440,044398,838406,987427,616116,374362,412362,412369,440367,979367,541367,541271,428264,087230,607230,607584,062577,330420,201420,201530,740524,008479,893479,893428,559411,09600443,1650000000007,3907,39023,23023,230
       Cash And Cash Equivalents 
3,446
3,446
3,914
3,914
0
0
0
0
0
0
0
0
0
87,252
0
0
80,124
80,124
162,140
58,686
160,972
160,972
125,502
6,740
132,955
132,955
60,725
36,825
0
25,973
0
73,509
0
47,824
0
35,981
106,110
347,399
94,118
343,095
71,370
346,161
334,829
334,829346,16171,370343,09594,118347,399106,11035,981047,824073,509025,973036,82560,725132,955132,9556,740125,502160,972160,97258,686162,14080,12480,1240087,2520000000003,9143,9143,4463,446
       Short-term Investments 
19,627
19,627
3,383
3,383
0
0
0
0
0
0
0
0
0
0
0
0
41
41
0
0
29
29
0
0
47
3,373
0
0
0
3,400
0
209,005
0
1,980
0
0
1,022
755
0
-248,977
2,424
2,424
0
02,4242,424-248,97707551,022001,9800209,00503,4000003,373470029290041410000000000003,3833,38319,62719,627
       Net Receivables 
157
157
72
72
55,133
49,627
58,752
0
301,357
301,357
277,194
277,194
339,986
339,384
282,993
282,993
329,370
328,805
315,754
315,754
361,425
359,938
290,622
290,622
441,929
438,169
27,094
27,094
61,164
11,612
44,363
44,363
66,160
8,446
53,522
53,522
10,264
62,287
53,422
53,422
82,847
71,300
0
071,30082,84753,42253,42262,28710,26453,52253,5228,44666,16044,36344,36311,61261,16427,09427,094438,169441,929290,622290,622359,938361,425315,754315,754328,805329,370282,993282,993339,384339,986277,194277,194301,357301,357058,75249,62755,1337272157157
       Other Current Assets 
0
0
0
0
91
198
69
0
1,191
1,191
774
774
241
241
1,244
1,244
1,561
1,561
1,999
98,329
1,582
9,830
4,077
117,974
0
12,938
142,788
142,788
167,904
233,843
219,940
219,940
244,983
313,170
259,900
259,900
241,289
427,616
259,447
398,838
275,840
437,278
397,430
397,430437,278275,840398,838259,447427,616241,289259,900259,900313,170244,983219,940219,940233,843167,904142,788142,78812,9380117,9744,0779,8301,58298,3291,9991,5611,5611,2441,2442412417747741,1911,191069198910000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
69,126
0
0
0
85,041
0
0
0
140,826
0
0
0
182,405
0
0
0
390,854
0
0
0
519,424
0
0
548,458
549,213
580,587
591,057
639,662
643,187
695,882
695,882643,187639,662591,057580,587549,213548,45800519,424000390,854000182,405000140,82600085,04100069,1260000000000000
       Property Plant Equipment 
1
1
1
1
937
1,178
1,034
0
1,091
1,091
1,334
1,334
1,749
1,749
11,800
11,800
1,992
11,963
12,633
12,633
12,967
12,967
14,987
14,987
15,261
15,261
25,231
25,231
31,517
31,517
34,637
34,637
38,846
38,846
38,762
38,762
37,172
37,172
35,145
35,145
35,386
35,386
33,949
33,94935,38635,38635,14535,14537,17237,17238,76238,76238,84638,84634,63734,63731,51731,51725,23125,23115,26115,26114,98714,98712,96712,96712,63312,63311,9631,99211,80011,8001,7491,7491,3341,3341,0911,09101,0341,1789371111
       Goodwill 
0
0
0
0
35,527
33,951
36,812
0
37,354
37,354
41,170
41,170
61,724
61,724
61,678
61,678
66,512
66,512
75,454
75,454
84,630
84,630
94,851
94,851
94,952
94,952
265,166
265,166
0
257,040
0
270,271
0
333,254
0
356,434
357,136
357,136
368,778
368,778
399,533
399,533
0
0399,533399,533368,778368,778357,136357,136356,4340333,2540270,2710257,0400265,166265,16694,95294,95294,85194,85184,63084,63075,45475,45466,51266,51261,67861,67861,72461,72441,17041,17037,35437,354036,81233,95135,5270000
       Long Term Investments 
0
0
20,223
20,223
0
0
0
0
0
0
0
0
0
0
0
0
13,986
13,986
32,563
32,563
32,187
32,187
66,673
66,673
59,069
59,069
49,704
49,704
0
42,965
0
0
0
59,698
0
0
0
53,991
0
0
0
84,384
0
084,38400053,99100059,69800042,965049,70449,70459,06959,06966,67366,67332,18732,18732,56332,56313,98613,98600000000000020,22320,22300
       Intangible Assets 
0
0
0
0
36,662
34,874
37,756
0
38,508
38,508
43,693
43,693
67,377
5,652
67,152
67,152
73,078
6,566
83,466
8,012
11,042
11,042
12,991
12,991
13,123
13,123
60,372
60,372
0
59,332
0
61,958
0
87,626
0
99,043
100,159
457,295
110,118
478,896
120,359
519,892
0
0519,892120,359478,896110,118457,295100,15999,043087,626061,958059,332060,37260,37213,12313,12312,99112,99111,04211,0428,01283,4666,56673,07867,15267,1525,65267,37743,69343,69338,50838,508037,75634,87436,6620000
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
80,972
-580,587
65,948
-639,662
93,541
635,967
635,96793,541-639,66265,948-580,58780,9720000000000000000000000000000000000000
> Total Liabilities 
1,773
1,773
2,390
2,390
101,926
102,482
123,752
0
377,305
377,305
324,117
324,117
444,487
444,487
391,498
391,498
435,898
435,628
468,589
470,275
526,146
526,146
475,783
478,609
612,294
612,294
428,875
431,256
0
417,761
0
474,373
0
542,457
0
573,094
568,064
568,064
577,829
577,829
624,736
624,736
619,909
619,909624,736624,736577,829577,829568,064568,064573,0940542,4570474,3730417,7610431,256428,875612,294612,294478,609475,783526,146526,146470,275468,589435,628435,898391,498391,498444,487444,487324,117324,117377,305377,3050123,752102,482101,9262,3902,3901,7731,773
   > Total Current Liabilities 
1,015
1,015
365
365
83,984
79,295
96,423
0
347,588
347,588
322,041
322,041
411,602
411,602
353,860
353,860
388,097
388,097
405,620
405,620
457,509
3,055
401,583
401,583
540,902
515,665
241,707
241,707
219,851
172,716
265,426
265,426
302,112
250,796
322,550
322,550
249,980
323,707
336,822
337,184
344,238
344,650
339,175
339,175344,650344,238337,184336,822323,707249,980322,550322,550250,796302,112265,426265,426172,716219,851241,707241,707515,665540,902401,583401,5833,055457,509405,620405,620388,097388,097353,860353,860411,602411,602322,041322,041347,588347,588096,42379,29583,9843653651,0151,015
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
566
0
0
44,113
635
712
712
935
935
1,188
1,188
1,192
1,192
0
0
0
2,341
0
0
0
3,962
0
0
4,842
4,842
0
4,776
0
6,191
6,694
6,6946,19104,77604,8424,842003,9620002,3410001,1921,1921,1881,18893593571271263544,113005660000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,113
44,113
712
712
935
935
1,188
1,188
1,192
1,192
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000001,1921,1921,1881,18893593571271244,11344,1130000000000000000
       Accounts payable 
6
6
71
71
447
893
1,185
0
1,664
1,664
0
0
3,421
3,421
0
0
1,203
1,203
0
0
1,888
1,888
0
0
1,818
514,224
0
0
3,427
170,375
0
0
1,986
246,834
0
0
245,138
245,138
0
272,667
2,875
277,889
291,986
291,986277,8892,875272,6670245,138245,13800246,8341,98600170,3753,42700514,2241,818001,8881,888001,2031,203003,4213,421001,6641,66401,185893447717166
       Other Current Liabilities 
1,009
1,009
294
294
74,842
74,696
89,533
0
339,791
339,791
320,630
320,630
407,614
407,614
353,332
353,332
386,259
386,259
404,908
404,908
14,208
14,208
397,386
397,386
22,303
22,303
238,086
238,086
42,593
42,593
258,536
258,536
46,716
46,716
313,766
313,766
-12,291
65,714
326,010
49,626
341,363
47,867
28,277
28,27747,867341,36349,626326,01065,714-12,291313,766313,76646,71646,716258,536258,53642,59342,593238,086238,08622,30322,303397,386397,38614,20814,208404,908404,908386,259386,259353,332353,332407,614407,614320,630320,630339,791339,791089,53374,69674,8422942941,0091,009
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66,892
0
0
0
69,086
0
0
0
192,568
0
0
0
223,180
0
0
237,515
244,357
187,521
240,645
213,693
280,086
280,734
280,734280,086213,693240,645187,521244,357237,51500223,180000192,56800069,08600066,892000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
54,229
0
53,410
0
56,351
0
55,831
0
144,641
0
172,414
0
190,748
0
195,948
0
203,387
0
205,438
0
204,584
0
229,543
0
0229,5430204,5840205,4380203,3870195,9480190,7480172,4140144,641055,831056,351053,410054,2290000000000000000000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
-566
0
0
-44,113
-635
-712
-712
-935
-935
-1,188
-1,188
-1,192
-1,192
0
0
0
13,909
0
0
0
19,269
0
0
-4,842
18,459
0
-4,776
0
15,850
-6,694
-6,69415,8500-4,776018,459-4,8420019,26900013,909000-1,192-1,192-1,188-1,188-935-935-712-712-635-44,11300-5660000000000000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,808
0
08,80800000000000000000000000000000000000000000
> Total Stockholder Equity
21,492
21,492
25,328
25,328
9,403
9,575
14,625
17,358
20,076
20,076
61,451
61,451
66,374
66,374
65,283
65,283
76,296
76,296
141,777
141,777
143,456
143,456
139,769
139,769
151,158
151,158
206,627
206,627
0
241,829
0
307,707
0
345,292
0
344,587
406,928
406,928
456,019
410,498
479,055
453,663
471,233
471,233453,663479,055410,498456,019406,928406,928344,5870345,2920307,7070241,8290206,627206,627151,158151,158139,769139,769143,456143,456141,777141,77776,29676,29665,28365,28366,37466,37461,45161,45120,07620,07617,35814,6259,5759,40325,32825,32821,49221,492
   Common Stock
18,942
18,942
19,525
19,525
3,599
3,599
3,599
0
3,599
3,599
44,918
44,918
85,194
85,194
85,194
85,194
85,994
85,994
140,052
140,052
140,395
140,395
140,572
140,572
140,572
140,572
203,676
203,676
243,043
243,043
316,025
316,025
331,174
331,174
332,780
332,780
411,661
411,661
418,966
418,966
425,981
425,981
449,181
449,181425,981425,981418,966418,966411,661411,661332,780332,780331,174331,174316,025316,025243,043243,043203,676203,676140,572140,572140,572140,572140,395140,395140,052140,05285,99485,99485,19485,19485,19485,19444,91844,9183,5993,59903,5993,5993,59919,52519,52518,94218,942
   Retained Earnings 
2,550
2,550
3,537
3,537
5,782
5,855
10,770
0
15,305
15,305
15,385
15,385
18,920
18,920
18,291
18,291
28,496
28,496
39,618
1,725
40,429
40,429
35,228
35,689
44,807
44,807
39,261
39,261
39,235
39,235
36,936
36,936
51,368
51,368
46,676
46,676
42,157
42,157
37,053
37,053
53,074
53,074
52,720
52,72053,07453,07437,05337,05342,15742,15746,67646,67651,36851,36836,93636,93639,23539,23539,26139,26144,80744,80735,68935,22840,42940,4291,72539,61828,49628,49618,29118,29118,92018,92015,38515,38515,30515,305010,7705,8555,7823,5373,5372,5502,550
   Capital Surplus 0000000000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
2,266
2,266
0
0
0
0
0
0
0
0
0
0
0
0
-38,194
-38,194
-37,893
-37,893
-37,368
-37,691
-36,031
-37,592
-34,221
-37,481
-36,310
-36,310
-40,449
-40,449
-45,254
-45,254
-37,250
-37,250
-34,869
-34,869
-46,890
1,443
-456,019
1,250
-479,055
1,443
1,592
1,5921,443-479,0551,250-456,0191,443-46,890-34,869-34,869-37,250-37,250-45,254-45,254-40,449-40,449-36,310-36,310-37,481-34,221-37,592-36,031-37,691-37,368-37,893-37,893-38,194-38,1940000000000002,2662,26600



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 Expenses191,914
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 BULLISH with 85.7% 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 zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
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 -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 5.48 < 5.48.

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 .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

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. The current macd is 0.17508571.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the PSC Insurance Group Ltd price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for PSC Insurance Group Ltd. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the PSC Insurance Group Ltd price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
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 43.74.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy PSC Insurance Group Ltd shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
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. The current sar is 5.31.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
PSC Insurance Group Ltd Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of PSC Insurance Group Ltd. The current rsi is 69.36. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
PSC Insurance Group Ltd Daily Relative Strength Index (RSI) ChartPSC Insurance Group Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of PSC Insurance Group Ltd. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 5/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the PSC Insurance Group Ltd price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
PSC Insurance Group Ltd Daily Stochastic Oscillator ChartPSC Insurance Group Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of PSC Insurance Group Ltd. The current cci is 76.40.

PSC Insurance Group Ltd Daily Commodity Channel Index (CCI) ChartPSC Insurance Group Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of PSC Insurance Group Ltd. The current cmo is 38.41.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
PSC Insurance Group Ltd Daily Chande Momentum Oscillator (CMO) ChartPSC Insurance Group Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of PSC Insurance Group Ltd. The current willr is -8.82352941.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
PSC Insurance Group Ltd Daily Williams %R ChartPSC Insurance Group Ltd Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of PSC Insurance Group Ltd.

PSC Insurance Group Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of PSC Insurance Group Ltd. The current atr is 0.12599224.

PSC Insurance Group Ltd Daily Average True Range (ATR) ChartPSC Insurance Group Ltd Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of PSC Insurance Group Ltd. The current obv is 8,313,265.

PSC Insurance Group Ltd Daily On-Balance Volume (OBV) ChartPSC Insurance Group Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of PSC Insurance Group Ltd. The current mfi is 58.70.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
PSC Insurance Group Ltd Daily Money Flow Index (MFI) ChartPSC Insurance Group Ltd Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for PSC Insurance Group Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-11-14STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-17STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-20STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-21SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-23CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-01CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-04SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-12-06MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-11CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-15SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-18SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-27STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-09STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-11STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-18CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-23CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-24BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-31MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-01RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-02MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-05STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-07SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-08MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-02-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-19CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-22STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-23CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-26MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-27MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-28STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-29CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-03-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-18RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-22MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-25RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-28RSI SHORT ENTRY LONG CLOSE70 crossover to downside

6.3. Candlestick Patterns

PSC Insurance Group Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. 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
RsiGreater than5069.365
Ma 20Greater thanMa 505.174
Ma 50Greater thanMa 1004.872
Ma 100Greater thanMa 2004.643
OpenGreater thanClose5.400
Total3/5 (60.0%)
Penke

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