Interlife General Insurance S.A.
Interlife General Insurance Company S.A. operates as a general insurance company for individual and business in Greece. The company offers car, boat, property, personal, travel, pet, legal protection, civil liability, bicycle and skate, photovoltaic, and transport insurance products, as well as financial products. It also provides contractors all risk, assembly, electronic equipment, mechanical d… Read more
Interlife General Insurance S.A. (INLIF) - Net Assets
Latest net assets as of June 2024: €129.76 Million EUR
Based on the latest financial reports, Interlife General Insurance S.A. (INLIF) has net assets worth €129.76 Million EUR as of June 2024.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€321.27 Million) and total liabilities (€191.51 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €129.76 Million |
| % of Total Assets | 40.39% |
| Annual Growth Rate | 8.61% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 6.77 |
Interlife General Insurance S.A. - Net Assets Trend (2019–2023)
This chart illustrates how Interlife General Insurance S.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Interlife General Insurance S.A. (2019–2023)
The table below shows the annual net assets of Interlife General Insurance S.A. from 2019 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | €130.99 Million | +9.61% |
| 2022-12-31 | €119.50 Million | -2.01% |
| 2021-12-31 | €121.95 Million | +11.16% |
| 2020-12-31 | €109.71 Million | +16.56% |
| 2019-12-31 | €94.12 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Interlife General Insurance S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 36.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €96.30 Million | 73.52% |
| Other Components | €34.69 Million | 26.48% |
| Total Equity | €130.99 Million | 100.00% |
Interlife General Insurance S.A. Competitors by Market Cap
The table below lists competitors of Interlife General Insurance S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
BLOCKCHAIN GRP SA EO-04
F:BC7
|
$89.55 Million |
|
Caravel Minerals Ltd
AU:CVV
|
$89.58 Million |
|
Inovio Pharmaceuticals Inc
NASDAQ:INO
|
$89.63 Million |
|
Pacific Edge Ltd
AU:PEB
|
$89.67 Million |
|
Lithium Ionic Corp
OTCQB:LTHCF
|
$89.48 Million |
|
DORO (DR8A.SG)
STU:DR8A
|
$89.46 Million |
|
Pacific Financial Corp
OTCQX:PFLC
|
$89.42 Million |
|
TRX Gold Corp
TO:TNX
|
$89.41 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Interlife General Insurance S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 119,500,957 to 130,987,737, a change of 11,486,780 (9.6%).
- Net income of 13,708,532 contributed positively to equity growth.
- Dividend payments of 2,217,212 reduced retained earnings.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €13.71 Million | +10.47% |
| Dividends Paid | €2.22 Million | -1.69% |
| Other Changes | €-4.54K | -0.0% |
| Total Change | €- | 9.61% |
Book Value vs Market Value Analysis
This analysis compares Interlife General Insurance S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.85x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.20x to 0.85x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | €5.07 | €6.06 | x |
| 2020-12-31 | €5.91 | €6.06 | x |
| 2021-12-31 | €6.60 | €6.06 | x |
| 2022-12-31 | €6.47 | €6.06 | x |
| 2023-12-31 | €7.09 | €6.06 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Interlife General Insurance S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.47%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.97%
- • Asset Turnover: 0.35x
- • Equity Multiplier: 2.34x
- Recent ROE (10.47%) is below the historical average (11.14%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 20.04% | 23.21% | 0.36x | 2.43x | €9.45 Million |
| 2020 | 14.06% | 22.86% | 0.27x | 2.27x | €4.46 Million |
| 2021 | 11.86% | 19.18% | 0.28x | 2.25x | €2.27 Million |
| 2022 | -0.76% | -1.48% | 0.23x | 2.27x | €-12.85 Million |
| 2023 | 10.47% | 12.97% | 0.35x | 2.34x | €609.76K |
Industry Comparison
This section compares Interlife General Insurance S.A.'s net assets metrics with peer companies in the Insurance - Diversified industry.
No peer company data available for comparison.