Hansard Global (HSD) AI Stock Analysis

• Market Cap: £68.14M
• Dividend Yield: 722.89%
• Average Volume (3M): 19.07K
• Price to Earnings (P/E): 42.6
• Beta (1Y): 0.18
• Revenue Growth: 35.39%
• EPS Growth: -76.12%
• Country: UK
• Employees: 182
• Sector: Financial
• Sector Strength: 78
• Industry: Insurance - Life
• EPS (TTM): <0.01
• Shares Outstanding: 137,557,070
• 10 Day Avg. Volume: 26,711
• 30 Day Avg. Volume: 19,071
• PEG Ratio: 0.19
• Price to Book (P/B): 2.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 157.26
• 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: £49.00
• Price Target Upside: 9507.84% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 54 Neutral
• Price Target: 53.00p ▲(10292.16%Upside)

Hansard Global's overall stock score is influenced by its solid financial stability but challenged by operational and cash flow concerns. The technical analysis indicates strong momentum but warns of potential overbought conditions, while the valuation suggests the stock might be overpriced despite an attractive dividend yield.

Hansard Global Business Overview & Revenue Model

Company Description

Hansard Global (HSD) is a specialist long-term savings provider, operating in the financial services sector. The company is primarily focused on the provision of life assurance products and investment-linked savings plans, catering to a global clientele. It offers a range of flexible, tax-efficient products designed to be administered through a digital platform, ensuring ease of access and management for policyholders and advisors alike.

How the Company Makes Money

Hansard Global makes money through the sale and administration of life assurance and investment-linked savings products. The company generates revenue primarily from the fees charged on these products, including initial charges, annual management fees, and other policy-related fees. These fees are collected over the duration of the policies, which often span several years, providing the company with a steady income stream. Hansard Global also earns investment income from the management of policyholder funds, benefiting from the appreciation of assets under management. Significant partnerships with financial advisors and intermediaries play a crucial role in distributing their products across various international markets, thereby expanding their customer base and enhancing revenue potential.

Hansard Global Financial Statement Overview

Summary

Hansard Global shows a mixed financial picture. Revenue growth is present, but negative EBIT and EBITDA margins indicate operational challenges. The balance sheet is stable with low leverage, yet cash flow sustainability is a concern.

Income Statement

Hansard Global shows a fluctuating revenue trend with a recent growth rate of 6.78% from 2023 to 2024. However, the company has experienced negative EBIT and EBITDA margins, indicating operational challenges. Net profit margin remains positive but narrow, suggesting limited profitability.

Balance Sheet

The balance sheet reflects low leverage with a debt-to-equity ratio of 0.13, highlighting financial stability. However, the return on equity is modest at 25.12%, and the equity ratio is quite low at 1.51%, pointing to potential risks in asset financing.

Cash Flow

Cash flow analysis shows a decrease in free cash flow from 2023 to 2024, though the free cash flow to net income ratio remains adequate. Operating cash flow covers net income, yet the company faces challenges in sustaining strong cash flow growth.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	153.60M	48.80M	45.70M	48.80M	50.50M	49.50M
Gross Profit	136.80M	37.30M	35.40M	37.80M	39.10M	38.40M
EBITDA	12.10M	-93.60M	-18.90M	125.40M	-139.50M	6.40M
Net Income	1.60M	5.20M	5.70M	3.60M	4.90M	4.50M
Balance Sheet
Total Assets	1.37B	1.37B	1.32B	1.31B	1.43B	1.28B
Cash, Cash Equivalents and Short-Term Investments	46.30M	1.22B	142.40M	158.60M	140.90M	166.20M
Total Debt	2.70M	2.70M	2.90M	2.30M	2.70M	3.00M
Total Liabilities	1.35B	1.35B	1.30B	1.29B	1.41B	1.25B
Stockholders Equity	17.60M	20.70M	21.80M	22.20M	24.70M	25.90M
Cash Flow
Free Cash Flow	15.10M	2.30M	400.00K	6.80M	22.00M	6.10M
Operating Cash Flow	12.90M	6.20M	7.00M	11.30M	25.80M	9.10M
Investing Cash Flow	-5.90M	-4.10M	-6.30M	-4.50M	-3.80M	-2.80M
Financing Cash Flow	-6.10M	-6.30M	-6.30M	-6.60M	-6.50M	-6.50M

Hansard Global Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.51
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:HSD, the sentiment is Positive. The current price of 0.51 is below the 20-day moving average (MA) of 49.22, below the 50-day MA of 48.19, and below the 200-day MA of 46.80, indicating a bullish trend. The MACD of 0.66 indicates Negative momentum. The RSI at 54.28 is Neutral, neither overbought nor oversold. The STOCH value of 49.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:HSD.

Hansard Global Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PRU	70 Outperform	£23.74B	14.03	12.68%	2.69%	-17.12%	30.62%
JUP	68 Neutral	£550.97M	9.63	8.03%	4.06%	0.37%	―
Sector *	64 Neutral	$6.52B	11.22	7.19%	5.01%	23.75%	4.98%
PHNX	62 Neutral	£6.35B	―	-60.34%	8.59%	-6.33%	―
CSN	62 Neutral	£589.35M	99.03	1.16%	12.76%	22.19%	-79.24%
HSD	54 Neutral	£68.14M	42.61	8.08%	722.89%	35.39%	-76.12%
IPO	49 Neutral	£504.97M	―	-18.71%	―	―	-20.81%

Hansard Global Corporate Events

Hansard Global Mourns the Loss of Founder Dr. Leonard Polonsky

Hansard Global plc announced the passing of its founder and President, Dr. Leonard Polonsky CBE, at the age of 97. Dr. Polonsky, a respected figure in the financial services industry, established the company’s predecessor in 1970 and was known for his philanthropic efforts through the Polonsky Foundation. Despite his passing, the Leonard Polonsky Revocable Trust will continue as the controlling shareholder, ensuring the company’s operations remain unaffected. The management assures stakeholders that Hansard will continue its operations as usual, maintaining stability and continuity.