Hansard Global (HSD) AI Stock Analysis

• Market Cap: £62.61M
• Dividend Yield: 8.94%
• Average Volume (3M): 82.21K
• Price to Earnings (P/E): 34.7
• Beta (1Y): 0.20
• Revenue Growth: -52.34%
• EPS Growth: -65.35%
• Country: UK
• Employees: 182
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.01
• Shares Outstanding: 137,557,070
• 10 Day Avg. Volume: 57,120
• 30 Day Avg. Volume: 82,211
• PEG Ratio: -0.58
• Price to Book (P/B): 4.20
• Price to Sales (P/S): 1.44
• P/FCF Ratio: 5.38
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: 49.00p ▼(-1.61% Downside)

Hansard Global's overall stock score is primarily influenced by its financial performance challenges, particularly in revenue growth and operational efficiency. However, the company's strong dividend yield and positive corporate events, including strategic growth plans and successful AGM resolutions, provide some support. Technical indicators are neutral, suggesting a balanced market sentiment.

Positive Factors

Strong Gross Profit Margin

A strong gross profit margin indicates efficient core operations, allowing Hansard Global to maintain profitability despite revenue challenges.

Manageable Leverage

Moderate leverage suggests financial stability, providing Hansard Global with the flexibility to manage its obligations without excessive risk.

Efficient Cash Generation

Efficient cash generation relative to net income highlights Hansard Global's ability to convert earnings into cash, supporting long-term operational needs.

Negative Factors

Significant Revenue Decline

The substantial revenue drop indicates challenges in market demand or competitive positioning, affecting long-term growth prospects.

Operational Inefficiencies

Operational inefficiencies reflected in negative margins can hinder profitability and require strategic adjustments to improve performance.

Declining Free Cash Flow Growth

Decreasing free cash flow growth may limit Hansard Global's ability to invest in growth opportunities and meet financial commitments.

Hansard Global Business Overview & Revenue Model

Company Description

Hansard Global plc operates as a specialist long-term savings provider that offers savings and investment products for investors, institutions, and wealth-management groups worldwide. The company offers unit-linked regular or single premium life assurance and investment contracts; administration services; and marketing and development services. It also operates Hansard OnLine, a sales and business administration tool that is used by independent financial advisors (IFAs) and clients. The company distributes its products through IFAs, as well as through the retail operations of financial institutions. Hansard Global plc was founded in 1970 and is headquartered in Douglas, the United Kingdom.

How the Company Makes Money

Hansard Global generates revenue primarily through the sale of investment-linked insurance policies, which typically involve fees and charges associated with policy administration, investment management, and the insurance coverage itself. Key revenue streams include initial and ongoing premiums paid by policyholders, as well as management fees from the investment funds linked to these policies. The company may also earn performance-related fees based on the returns generated by the underlying investment portfolios. Additionally, strategic partnerships with financial advisors and wealth management firms enhance distribution channels, contributing to increased sales and customer acquisition, which further supports the company's earnings.

Hansard Global Financial Statement Overview

Summary

Hansard Global faces significant challenges in revenue growth and operational efficiency, as reflected in the income statement. The balance sheet shows moderate leverage, but profitability metrics have weakened. Cash flow generation is mixed, with strong free cash flow relative to net income but declining growth.

Income Statement

Hansard Global's income statement reveals significant challenges, with a sharp decline in revenue by 68.62% in the latest period. The company also experienced negative EBIT and EBITDA margins, indicating operational inefficiencies. However, the gross profit margin remains relatively strong at 75.10%, suggesting some resilience in core operations. The net profit margin is low at 3.73%, reflecting limited profitability.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.16, indicating manageable leverage. However, the return on equity has decreased, reflecting reduced profitability. The equity ratio is not explicitly calculated, but the company's equity position appears stable relative to its assets.

Cash Flow

Cash flow analysis indicates a decline in free cash flow growth by 14.57%, which is concerning. The operating cash flow to net income ratio is low at 0.11, suggesting challenges in converting income into cash. However, the free cash flow to net income ratio is relatively strong at 0.93, indicating efficient cash generation relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	80.60M	48.20M	48.80M	45.70M	117.80M	67.00M
Gross Profit	36.20M	36.20M	37.30M	35.40M	37.80M	39.10M
EBITDA	19.70M	-10.90M	8.50M	-18.90M	5.70M	-139.50M
Net Income	1.80M	1.80M	5.20M	5.70M	3.60M	4.90M
Balance Sheet
Total Assets	1.35B	1.35B	1.37B	1.32B	1.31B	1.43B
Cash, Cash Equivalents and Short-Term Investments	51.50M	138.70M	136.10M	1.17B	1.17B	1.29B
Total Debt	2.70M	2.70M	2.70M	2.90M	2.30M	2.70M
Total Liabilities	1.33B	1.33B	1.35B	1.30B	1.29B	1.41B
Stockholders Equity	16.50M	16.50M	20.70M	21.80M	22.20M	24.70M
Cash Flow
Free Cash Flow	13.40M	12.90M	2.30M	400.00K	6.80M	22.00M
Operating Cash Flow	13.90M	13.90M	6.20M	7.00M	11.30M	25.80M
Investing Cash Flow	-4.90M	-4.90M	-4.10M	-6.30M	-4.50M	-3.80M
Financing Cash Flow	-6.30M	-6.30M	-6.30M	-6.30M	-6.60M	-6.50M

Hansard Global Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 49.80
• 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 49.8 is above the 20-day moving average (MA) of 47.55, above the 50-day MA of 46.79, and above the 200-day MA of 46.18, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 66.66 is Neutral, neither overbought nor oversold. The STOCH value of 64.49 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
JUP	73 Outperform	£766.63M	13.44	7.11%	2.91%	-4.38%	―
CSN	72 Outperform	£640.35M	-61.12	-2.53%	8.49%	-48.03%	-289.17%
PRU	71 Outperform	£27.21B	10.72	20.51%	1.66%	37.94%	291.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PHNX	67 Neutral	£6.73B	-10.62	-49.24%	8.06%	-34.62%	-19.20%
HSD	58 Neutral	£62.61M	34.70	9.65%	8.94%	-52.34%	-65.35%
IPO	49 Neutral	£545.96M	-4.30	-14.23%	―	―	33.10%

Hansard Global Corporate Events

Hansard Global plc Announces Successful AGM Resolutions

Hansard Global plc announced the successful passage of all resolutions at its Annual General Meeting held on November 5, 2025. Key resolutions included the approval of the 2025 financial statements, remuneration report, and a final dividend of 2.65 pence per share. The re-election of directors and the appointment of KPMG Audit LLC as auditor were also confirmed. The resolutions reflect the company’s stable governance and commitment to shareholder value, potentially strengthening its market position and investor confidence.

Hansard Global CFO Executes Share Sale Following Bonus Vesting

Hansard Global Plc announced a transaction involving its Chief Financial Officer, Ollie Byrne, who sold shares following the vesting of a conditional share award under the company’s Bonus Deferral Plan. The transaction, executed on October 1, 2025, involved the sale of 35,714 ordinary shares at a price of £0.515 each on the London Stock Exchange, reflecting the company’s ongoing management of executive compensation and shareholding strategies.

Hansard Global Reports Strong Momentum and Strategic Growth Plans

Hansard Global plc reported its full-year results for the year ended 30 June 2025, showcasing strong momentum with a 5.9% increase in new business sales on a PVNBP basis and a 17.3% rise in APE sales. Despite a decline in IFRS profit due to strategic investments and litigation costs, the company strengthened its solvency ratio to 169%. The launch of new products and expansion into Japan and Latin America are expected to drive future growth. The company maintained its dividend and remains focused on enhancing customer service, expanding its footprint, and ensuring long-term sustainability.