Interlife General Insurance Company S.A. / Fundamentals

    Income statement

    Net revenue
    €214.59M
    Cost of goods sold
    €14.73M
    Gross profit
    €199.86M
    SG&A expenses
    €2.86M
    R&D expenses
    €0.00
    EBITDA
    €29.29M
    D&A
    -€2.32M
    EBIT
    €24.02M
    Interest expenses
    €8.97K
    EBT
    €32.07M
    Tax expenses
    €6.62M
    Net income
    €25.45M

    Cash flow statement

    Net deferred tax
    €0.00
    Non-cash items
    €2.12M
    Changes in working capital
    €9.15M
    Operating cash flow
    €36.85M
    Capex
    €28.16K
    Other investing cash flow
    -€2.67M
    Net investing cash flow
    -€35.20M
    Total cash dividends paid
    -€5.17M
    Issuance of common stock
    €0.00
    Debt repayment
    €0.00
    Other financing cash flow
    -€97.20K
    Net financing cash flow
    -€5.27M
    Foreign exchange effects
    €0.00
    Net change in cash
    €18.00M
    Cash at end of period
    €28.21M
    Free cash flow
    €36.88M

    Balance sheet

    Cash and cash equivalents
    €28.21M
    Cash and short-term investments
    €28.21M
    Total receivables
    €0.00
    Inventory
    €0.00
    Other current assets
    €0.00
    Total current assets
    €28.21M
    Property, plant & equipment
    €6.03M
    Goodwill
    €0.00
    Intangible assets
    €23.48K
    Long-term investments
    €0.00
    Other non-current assets
    -€8.65M
    Total non-current assets
    €314.65M
    Total assets
    €342.86M
    Accounts payable
    €0.00
    Short-term debt
    €32.24K
    Other current liabilities
    -€32.24K
    Total current liabilities
    €0.00
    Long-term debt
    €21.25K
    Deferred tax liabilities
    €8.65M
    Other non-current liabilities
    -€8.67M
    Total non-current liabilities
    €0.00
    Total liabilities
    €203.11M
    Common stock
    €10.96M
    Retained earnings
    €105.08M
    Other equity
    €23.99M
    Total equity
    €139.75M
    Total liabilities and shareholders' equity
    €342.86M

    Company information

    Market capitalization
    €94.60M
    Employees
    151
    Enterprise Value
    €66.54M

    Company ratios

    Gross margin
    93.1% Much better than peer group: 30.8%
    EBITDA margin
    13.6% Even with peer group: 14.9%
    EBIT margin
    11.2% Even with peer group: 11.1%
    EBT margin
    14.9% Even with peer group: 10.2%
    Net margin
    11.9% Even with peer group: 8.3%
    ROE
    18.2% Better than peer group: 9.6%
    ROA
    7.4% Even with peer group: 3.9%
    Asset turnover
    62.6% Much worse than peer group: 125.9%
    FCF margin
    17.2% Better than peer group: 8.1%
    FCF yield
    38.9%
    Efficiency ratio
    86.4%
    Net sales per employee
    €1.42M
    Net income per employee
    €168.52K

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