Gui.Pl
GUI.PL operates in the insurance and asset management sectors, providing multiline insurance and brokerage services while managing investment portfolios for clients.
Business. GUI.PL operates in the insurance and asset management sectors, providing multiline insurance and brokerage services while managing investment portfolios for clients.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
GUI.PL operates in the insurance and asset management sectors, providing multiline insurance and brokerage services while managing investment portfolios for clients.
GUI.PL maintains a relatively conservative capital structure, with a debt-to-equity ratio of 0.3, indicating a low reliance on debt financing. The company's liquidity position is assessed as medium, with $1.34 million in cash and equivalents, but a negative net cash position after subtracting total debt. Free cash flow stands at $2.20 million, suggesting the company generates sufficient cash to fund operations and potentially return value to shareholders.
Profitability metrics show a return on equity (ROE) of 7.1% and a return on assets (ROA) of 3.61%. These figures are below the industry median for multiline insurance and brokers, which typically report ROE in the 10-15% range and ROA in the 5-8% range. The company's operating income of $2.23 million and net income of $1.82 million indicate stable earnings, but the negative operating cash flow of $3.34 million raises concerns about short-term liquidity and working capital management.
Geographically, GUI.PL's revenue concentration is not disclosed in the available data, but the company's exposure to the insurance and asset management sectors suggests a diversified client base. The absence of segment-specific revenue data limits the ability to assess geographic or product concentration risk.
Looking ahead, GUI.PL is projected to maintain a stable revenue trajectory, with no significant growth or decline expected in the next fiscal year. The company's capital expenditure of $176,020 is minimal, suggesting a focus on operational efficiency rather than expansion. However, the negative operating cash flow and reliance on free cash flow for liquidity may constrain future investment opportunities.
Risk factors include a medium liquidity risk due to the negative net cash position and a low dilution risk, as the company has not issued additional shares recently. The risk assessment also flags the need for improved working capital management to address the negative operating cash flow.
Recent filings and transcripts do not indicate any material events or strategic shifts. The company's financial performance remains consistent with historical trends, and no significant regulatory or market disruptions have been reported.
- GUI.PL maintains a conservative debt-to-equity ratio of 0.3, indicating a low reliance on debt financing.
- The company's return on equity (7.1%) and return on assets (3.61%) are below the industry median for multiline insurance and brokers.
- GUI.PL's negative operating cash flow of $3.34 million raises concerns about short-term liquidity and working capital management.
- The company is projected to maintain a stable revenue trajectory, with no significant growth or decline expected in the next fiscal year.
- Risk factors include a medium liquidity risk due to the negative net cash position and a low dilution risk.
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- Net cash is negative after subtracting total debt.
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- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- GUI.PL Market data — financials · 2026-05-28