Linea Directa Aseguradora SA (LDA) AI Stock Analysis

• Market Cap: €1.47B
• Dividend Yield: 4.08%
• Average Volume (3M): 403.40K
• Price to Earnings (P/E): 22.9
• Beta (1Y): 0.47
• Revenue Growth: 3.66%
• EPS Growth: N/A
• Country: ES
• Employees: 2,430
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Property & Casualty
• EPS (TTM): N/A
• Shares Outstanding: 1,088,416,900
• 10 Day Avg. Volume: 253,727
• 30 Day Avg. Volume: 403,400
• PEG Ratio: -0.39
• Price to Book (P/B): 3.86
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 17.49
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ―

Linea Directa Aseguradora SA exhibits strong financial stability with zero debt and robust revenue growth, which are significant strengths. However, the potential volatility in cash flow and short-term bearish technical indicators pose some risks. The stock's reasonable valuation with a P/E ratio of 19.016 provides a balanced outlook, making it a moderate investment opportunity for growth-focused investors.

Linea Directa Aseguradora SA Business Overview & Revenue Model

Company Description

Linea Directa Aseguradora SA (LDA) is a Spanish insurance company specializing in direct insurance services. Established in 1995, the company operates primarily in the non-life insurance sector, offering a comprehensive range of insurance products including car, motorcycle, and home insurance. LDA is known for its direct sales approach, providing services predominantly through digital channels and call centers, allowing for competitive pricing and efficient customer service.

How the Company Makes Money

Linea Directa Aseguradora SA generates revenue primarily through the sale of its insurance products. The company collects premiums from policyholders in exchange for providing coverage against specified risks such as vehicle accidents, property damage, and other insured events. LDA's revenue model is driven by its ability to accurately assess risk and price its insurance products accordingly, balancing competitive pricing with profitability. Additionally, the company may earn investment income from the premiums collected, which are invested until claims are paid out. LDA's focus on digital sales channels helps reduce operational costs, contributing to its financial performance.

Linea Directa Aseguradora SA Financial Statement Overview

Summary

Linea Directa Aseguradora SA presents a solid financial position with strong revenue growth and improving profitability. While the balance sheet is robust with zero debt, the cash flow statement indicates potential volatility in operational cash flow that warrants attention. The company is well-positioned but should focus on enhancing operational efficiencies and ensuring consistent cash flow stability.

Income Statement

Linea Directa Aseguradora SA demonstrates strong revenue growth with a notable turnaround in net income from negative to positive in 2024. The company maintains a stable gross profit margin, but the absence of EBIT and EBITDA values in some years indicates potential volatility in operational efficiency.

Balance Sheet

The company exhibits a strong balance sheet characterized by zero debt in 2024 and a consistent increase in stockholders' equity. The debt-to-equity ratio is favorable, indicating prudent financial management. However, a decrease in total assets over the years suggests a need for strategic asset growth.

Cash Flow

Free cash flow has shown positive growth, indicating improved liquidity and operational cash generation. However, fluctuations in operating cash flow and the absence of operating cash flow in 2024 could be a concern for stability in cash generation.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	998.20M	1.01B	945.31M	923.02M	913.22M
Gross Profit	998.20M	967.12M	945.31M	923.02M	913.22M
EBITDA	83.31M	-3.83M	92.42M	155.19M	185.91M
Net Income	64.22M	-4.39M	63.13M	110.14M	134.85M
Balance Sheet
Total Assets	1.24B	1.13B	1.20B	1.37B	1.44B
Cash, Cash Equivalents and Short-Term Investments	999.95M	869.30M	795.84M	980.77M	1.08B
Total Debt	0.00	2.82M	3.77M	4.53M	2.77M
Total Liabilities	877.82M	812.29M	904.91M	990.20M	969.17M
Stockholders Equity	358.32M	313.04M	290.50M	378.27M	467.36M
Cash Flow
Free Cash Flow	59.75M	40.80M	64.07M	107.97M	107.77M
Operating Cash Flow	82.40M	62.49M	70.88M	117.64M	129.91M
Investing Cash Flow	-77.62M	-69.33M	52.85M	66.05M	-54.62M
Financing Cash Flow	-30.13M	-3.29M	-191.63M	-201.28M	-33.87M

Linea Directa Aseguradora SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:LDA, the sentiment is Positive. The current price of 1.35 is above the 20-day moving average (MA) of 1.35, above the 50-day MA of 1.33, and above the 200-day MA of 1.16, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 52.57 is Neutral, neither overbought nor oversold. The STOCH value of 54.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:LDA.

Linea Directa Aseguradora SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VID	73 Outperform	€3.21B	13.05	18.80%	0.72%	2.03%	28.72%
Sector *	73 Outperform	€28.18B	11.23	17.20%	3.98%	9.17%	28.21%
MAP	71 Outperform	€10.59B	11.01		4.76%	―	―
BKT	71 Outperform	€10.18B	9.96	17.81%	5.30%	8.08%	18.75%
LDA	68 Neutral	€1.47B	22.95	19.13%	4.08%	3.66%	―
GCO	68 Neutral	€5.77B	9.07	11.73%	1.66%	5.26%	9.62%

Linea Directa Aseguradora SA Corporate Events

Línea Directa Aseguradora Announces Q1 2025 Results Presentation

Línea Directa Aseguradora has announced a presentation for investors and analysts regarding its first quarter 2025 results, which will be discussed in a webcast. This announcement is significant as it provides insights into the company’s financial performance and strategic direction, potentially impacting its market positioning and stakeholder interests.

Línea Directa Aseguradora Doubles Profit in Q1 2025

Línea Directa Aseguradora reported a significant increase in net profit for the first quarter of 2025, reaching 20.8 million euros, which is a 106.1% rise compared to the previous year. This growth is attributed to an increase in revenue and client base, with issued premiums rising by 9.5% year-on-year. The company’s financial stability is reflected in its improved combined ratio of 92.3% and a strong return on average equity of 21.8%, indicating a solid financial profile and enhanced profitability.

Línea Directa to Announce Q1 2025 Results

Línea Directa Aseguradora, S.A. announced it will release its first quarter 2025 results on April 28, 2025, with a presentation to investors and analysts followed by a press conference. This announcement highlights the company’s transparency and engagement with stakeholders, potentially impacting its market perception and investor relations.

Línea Directa Aseguradora Approves Shareholder Meeting Agenda

Línea Directa Aseguradora, S.A. held its Ordinary General Shareholders’ Meeting with a 79.60% quorum, approving all agenda items. This decision reflects the company’s strong shareholder engagement and may impact its strategic direction positively.

Línea Directa Aseguradora Announces Board Changes to Strengthen Governance

The General Shareholders’ Meeting of Línea Directa Aseguradora has approved changes to its Board of Directors, appointing Ms. Marina Specht Blum and Mr. Iñaki Berenguer Mediavilla as independent external directors, and re-electing several existing members. These changes reflect the company’s ongoing commitment to strong governance and strategic oversight. The new board composition is expected to enhance the company’s operational effectiveness and maintain its competitive positioning in the insurance industry.

Línea Directa Aseguradora Announces Shareholders’ Meeting for April 2025

Línea Directa Aseguradora, S.A. has announced the call for its Ordinary General Shareholders’ Meeting, scheduled to take place on April 10, 2025, with a second call on April 11 if needed. The meeting will cover key agenda items, including the approval of annual accounts, management reports, dividend distribution, and the re-election of board members and auditors, reflecting the company’s ongoing governance and financial strategies.

Linea Directa Aseguradora’s Annual Governance Report Reveals Key Shareholdings

Linea Directa Aseguradora’s annual corporate governance report highlights its ownership structure, revealing significant shareholdings by entities such as CARTIVAL, S.A. and BANKINTER, S.A. The report provides insights into the company’s share capital and voting rights, which are crucial for understanding its governance and stakeholder influence.

Línea Directa Aseguradora Proposes New Director Remuneration Policy

Línea Directa Aseguradora, S.A. has proposed a new remuneration policy for its directors, which will be effective from the date of approval in the upcoming General Shareholders’ Meeting. The policy outlines the remuneration structure for the years 2025 to 2028, emphasizing the alignment of directors’ remuneration with the company’s long-term strategy and sustainability goals. The Board of Directors is responsible for setting individual remuneration within the framework approved by the General Meeting, ensuring it reflects both financial and non-financial objectives.