Hansard Global (HSD) AI Stock Analysis

• Market Cap: £62.06M
• Dividend Yield: 9.47%
• Average Volume (3M): 26.54K
• Price to Earnings (P/E): 38.8
• Beta (1Y): 0.13
• Revenue Growth: 35.39%
• EPS Growth: -76.12%
• Country: UK
• Employees: 182
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Life
• EPS (TTM): 0.01
• Shares Outstanding: 137,557,070
• 10 Day Avg. Volume: 38,802
• 30 Day Avg. Volume: 26,535
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• 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: 56 Neutral
• Price Target: 48.00p ▲( 5.73% Upside)

Hansard Global's overall score reflects its stable, yet modest financial performance, with a strong balance sheet but operational and cash flow challenges. The technical outlook is neutral, with no significant momentum indicators, while the high P/E ratio suggests overvaluation despite an appealing dividend yield.

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 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

Income Statement

Balance Sheet

Cash Flow

Breakdown
Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
48.80M	45.70M	48.80M	50.50M	49.50M
	Gross Profit
37.30M	36.00M	37.80M	39.10M	38.40M
	EBIT
-208.20M	6.50M	4.00M	7.00M	6.20M
	EBITDA
-93.60M	-18.90M	125.40M	-139.50M	6.40M
	Net Income Common Stockholders
5.20M	5.70M	3.60M	4.90M	4.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.22B	142.40M	158.60M	140.90M	166.20M
	Total Assets
1.37B	1.32B	1.31B	1.43B	1.28B
	Total Debt
2.70M	2.90M	2.30M	2.70M	3.00M
	Net Debt
-45.20M	-49.30M	-56.60M	-54.00M	-36.60M
	Total Liabilities
1.35B	1.30B	1.29B	1.41B	1.25B
	Stockholders Equity
20.70M	21.80M	22.20M	24.70M	25.90M
Cash Flow		Free Cash Flow
2.30M	400.00K	6.80M	22.00M	6.10M
	Operating Cash Flow
6.20M	7.00M	11.30M	25.80M	9.10M
	Investing Cash Flow
-4.10M	-6.30M	-4.50M	-3.80M	-2.80M
	Financing Cash Flow
-6.30M	-6.30M	-6.60M	-6.50M	-6.50M

Hansard Global Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 45.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 45.4 is below the 20-day moving average (MA) of 47.60, below the 50-day MA of 47.03, and below the 200-day MA of 46.16, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 39.99 is Neutral, neither overbought nor oversold. The STOCH value of 31.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:HSD.

Hansard Global Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JUP	71 Outperform	£411.64M	6.46	8.03%	6.82%	0.37%	―
PRU	70 Outperform	£22.01B	12.92	12.68%	2.05%	-17.12%	30.62%
CSN	70 Neutral	£431.26M	110.66	1.16%	8.74%	22.19%	-79.23%
PHNX	65 Neutral	£6.26B	―	-60.34%	8.46%	-6.33%	―
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
HSD	56 Neutral	£62.06M	38.80	8.08%	9.47%	35.39%	-76.12%
IPO	49 Neutral	£401.76M	―	-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.

Hansard Global Sees Sales Surge Amid Strategic Shifts

Hansard Global plc reported a 36% increase in new business sales for the six months ended 31 December 2024, driven by the launch of new products and a strategic focus on the Japanese market. Despite the sales growth, the company’s IFRS profit before tax fell by 88% to £0.5m, impacted by currency movements, strategic investments, and litigation costs. The company anticipates that while new products are gaining traction, it will take time for these to translate into improved profitability. Hansard Global remains committed to its strategic initiatives, including leveraging its new IT system and expanding its presence in Japan, to drive long-term growth.