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Linea Directa Aseguradora SA
(BME:LDA)
Linea Directa Aseguradora SA (LDA) vs. iShares MSCI Spain ETF (EWP)
Linea Directa Aseguradora SA Business Overview & Revenue Model
Linea Directa Aseguradora SA Financial Statement Overview
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.12B | 998.73M | 966.76M | 942.48M | 923.02M |
| Gross Profit | 1.12B | 998.73M | 966.76M | 942.48M | 882.70M |
| EBITDA | 114.14M | 83.31M | -6.55M | 83.57M | 145.93M |
| Net Income | 85.71M | 64.22M | -4.39M | 63.13M | 110.14M |
Balance Sheet | |||||
| Total Assets | 1.37B | 1.24B | 1.13B | 1.20B | 1.37B |
| Cash, Cash Equivalents and Short-Term Investments | 16.99M | 999.95M | 919.09M | 795.84M | 980.77M |
| Total Debt | 4.19M | 2.83M | 2.82M | 3.77M | 4.53M |
| Total Liabilities | 970.25M | 877.82M | 812.29M | 904.91M | 990.20M |
| Stockholders Equity | 404.45M | 358.32M | 313.04M | 300.33M | 378.27M |
Cash Flow | |||||
| Free Cash Flow | 178.83M | 59.75M | 40.80M | 64.07M | 107.97M |
| Operating Cash Flow | 182.57M | 82.40M | 62.49M | 70.88M | 117.64M |
| Investing Cash Flow | -132.41M | -77.62M | -69.33M | 52.85M | 66.05M |
| Financing Cash Flow | -50.19M | -30.13M | -3.29M | -191.63M | -201.28M |
Linea Directa Aseguradora SA Technical Analysis
Linea Directa Aseguradora SA Peers Comparison
Linea Directa Aseguradora SA Corporate Events
Línea Directa Aseguradora has released a presentation for investors and analysts detailing its fourth quarter and full-year 2025 results, prepared under IFRS 17 and IFRS 9. The materials, which underpin a webcast held today in Madrid, aim to update the market on the company’s recent financial performance and provide stakeholders with structured insight into its current operating trajectory.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.
Línea Directa Aseguradora reported strong 2025 results, highlighting record portfolio growth as policyholders increased by 290,400 to 3.73 million customers, surpassing its public target. Earned premiums rose 11.3% year on year to €1.13 billion, with contributions from all business lines, underscoring the momentum of its general insurance franchise.
Net profit reached €85.7 million, up 33.5% from 2024, driven by business expansion, strict risk management and improved operational efficiency that tightened margins and lowered claims. The combined ratio improved by 2.1 percentage points to 92.6%, and the board will propose a supplementary dividend of €15 million, taking total shareholder remuneration for the year to €45 million and signalling confidence in the company’s financial strength and capital generation.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.
Línea Directa Aseguradora has published its annual corporate governance report, confirming a share capital of €43.54 million divided into 1.09 billion shares, each carrying one voting right, and stating that its bylaws do not provide for double voting rights or different share classes. The document details a concentrated ownership structure, with Cartival, Bankinter and several institutional investors, including Brandes Investment Partners and Wellington Management, holding significant stakes, underscoring a strong presence of both strategic and financial shareholders in the company’s capital and signaling continued influence of major investors over its governance.
This ownership profile, combining legacy stakeholders such as Bankinter with international asset managers, may shape future decision-making and corporate strategy, as large shareholders can exert notable voting power in key resolutions. For minority investors, the concentration of control highlights the importance of monitoring how these blocs align on governance matters, while the absence of loyalty voting rights suggests a one-share-one-vote regime that preserves proportional influence across the shareholder base.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.
Línea Directa Aseguradora has secured shareholder approval, with 99.4% of votes in favour, for a new directors’ remuneration policy covering 2025 through 2028, setting the framework for both non‑executive and executive pay. The policy formalizes procedures for the Board and its Appointments, Remuneration and Corporate Governance Committee to propose, assess and approve individual director pay, link compensation to roles and responsibilities, and allow limited temporary exceptions, reinforcing governance standards and alignment with employee conditions and long‑term corporate strategy.
The Board of Directors retains authority to set individual remuneration within a shareholder‑approved annual cap, differentiating pay based on committee memberships, attendance and executive duties. By systematizing the involvement of the CNRGC in designing senior management pay and director contracts, the company aims to enhance transparency, ensure consistency with market practices among comparable firms, and strengthen its positioning on corporate governance for investors and other stakeholders.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.
Línea Directa Aseguradora has convened its Annual General Shareholders’ Meeting for 9 April 2026 in Tres Cantos, Madrid, with a second-call date of 10 April 2026 and the option for shareholders to attend and participate by telematic means. The agenda covers approval of the 2025 individual and consolidated accounts, non-financial and sustainability information, profit allocation and dividend distribution, ratification of board management, appointment of auditors for 2026–2028, the re-election of executive director Patricia Ayuela de Rueda, and confirmation of the current size of the Board, signalling continuity in governance and capital distribution policy.
The meeting call and proposed resolutions have been approved by the Board of Directors and will be made continuously available to investors via official channels and the company’s website, enhancing transparency for stakeholders. By combining in-person and remote attendance options and addressing key items such as dividend distribution and multi-year auditor appointments, the company underscores its focus on governance stability, regulatory compliance, and shareholder engagement ahead of the 2025 results approval.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.
Línea Directa Aseguradora has filed its second half‑yearly financial report for 2025, stating that its summarized annual accounts are prepared under applicable accounting principles and give a true and fair view of its assets, financial position and results. Management also affirms that the interim management report provides a true and fair analysis of the required information, underscoring regulatory compliance and transparency for investors and other stakeholders.
The most recent analyst rating on (ES:LDA) stock is a Buy with a EUR1.35 price target. To see the full list of analyst forecasts on Linea Directa Aseguradora SA stock, see the ES:LDA Stock Forecast page.