Direct Line is one of the more focused insurers that we cover. The business sells personal lines insurance in four divisions: personal lines motor, personal lines home, rescue and other personal lines, and commercial. Rescue and other personal lines include rescue, travel and pet insurance. Commercial insurance is sold to small businesses and Direct Line agreed to the sale of its commercial broking business. Direct Line only sells insurance in the United Kingdom. Its personal motor insurance division typically accounts for around 60% of group gross written premium and the personal home insurance unit typically sells around 20%. Rescue and other personal lines account for around 10% and commercial insurance accounts for around 10%.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	3.08
Equity-to-Asset	0.28
Debt-to-Equity	0.2
Debt-to-EBITDA	1.12
Interest Coverage	29.64
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.26	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8
	3-Year EBITDA Growth Rate	-8.6
	3-Year FCF Growth Rate	-13.5
	3-Year Book Growth Rate	-6
	Future 3-5Y Total Revenue Growth Rate	-3.66

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	85.52
	9-Day RSI	79.45
	14-Day RSI	77.04
	6-1 Month Momentum %	-3.83
	12-1 Month Momentum %	7.27

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.28
	Dividend Payout Ratio	0.18
	Forward Dividend Yield %	2.28
	5-Year Yield-on-Cost %	2.28
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	1.68

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	8.05
	FCF Margin %	-14.84
	ROE %	13.82
	ROA %	3.9
	ROIC %	5.04
	Years of Profitability over Past 10-Year	9

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.97
	Forward PE Ratio	11.84
	Shiller PE Ratio	8.98
	Price-to-Owner-Earnings	4.91
	PS Ratio	0.84
	PB Ratio	1.37
	Price-to-Tangible-Book	2.18
	EV-to-EBIT	5.36
	EV-to-Forward-EBIT	3.1
	EV-to-EBITDA	5.36
	EV-to-Forward-EBITDA	3.25
	EV-to-Revenue	0.58
	EV-to-Forward-Revenue	0.6
	EV-to-FCF	-3.88
	Price-to-Projected-FCF	0.63
	Price-to-Median-PS-Value	0.71
	Earnings Yield (Greenblatt) %	18.66
	FCF Yield %	-17.84
	Forward Rate of Return (Yacktman) %	12

Financials (Next Earnings Date:2025-03-21 Est.)

Annual Quarterly TTM

FRA:D1LN's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Direct Line Insurance Group PLC Executives

Details

GF Value: €2.74

FRA:D1LN

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 4 Medium warning signs with D1LN. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	4,636.639
	EPS (TTM) (€)	0.268
	Beta	0.56
	Volatility %	46.37
	14-Day RSI	77.04
	14-Day ATR (€)	0.060294
	20-Day SMA (€)	2.9603
	12-1 Month Momentum %	7.27
	52-Week Range (€)	1.812 - 3.202
	Shares Outstanding (Mil)	1,300.59

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Direct Line Insurance Group PLC Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Direct Line Insurance Group PLC Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Direct Line Insurance Group PLC Frequently Asked Questions

What is Direct Line Insurance Group PLC(FRA:D1LN)'s stock price today?

The current price of FRA:D1LN is €3.10. The 52 week high of FRA:D1LN is €3.20 and 52 week low is €1.81.

When is next earnings date of Direct Line Insurance Group PLC(FRA:D1LN)?

The next earnings date of Direct Line Insurance Group PLC(FRA:D1LN) is 2025-03-21 Est..

Does Direct Line Insurance Group PLC(FRA:D1LN) pay dividends? If so, how much?

The Dividend Yield % of Direct Line Insurance Group PLC(FRA:D1LN) is 2.28% (As of Today), Highest Dividend Payout Ratio of Direct Line Insurance Group PLC(FRA:D1LN) was 0.77. The lowest was 0.18. And the median was 0.57. The Forward Dividend Yield % of Direct Line Insurance Group PLC(FRA:D1LN) is 2.28%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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