Pein.Cm
PEIN.CM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
Business. PEIN.CM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
At a glance
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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
PEIN.CM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
The company maintains a strong liquidity position, with a liquidity FPT of 1.2x, indicating that it has sufficient cash flow to cover its short-term obligations. Its free cash flow of 411,192,260 LKR supports this liquidity, although the capital expenditure of -82,599,790 LKR suggests some reinvestment in operations. The debt-to-equity ratio of 0.06 indicates a conservative capital structure, with minimal leverage relative to equity.
In terms of profitability, the company's return on equity of 5.95% and return on assets of 2.27% are below the industry median for property and casualty insurers, which typically report ROE in the 8-10% range. This suggests that the company is underperforming in terms of generating returns for shareholders relative to its peers.
The company's revenue is concentrated in its core insurance operations, with no disclosed geographic diversification in the provided data. This lack of geographic segmentation may expose the company to regional economic or regulatory risks, which could impact its overall performance.
Looking at the growth trajectory, the company's operating income increased to 472,719,530 LKR, and net income reached 355,248,160 LKR. However, the outlook for the next fiscal year is not explicitly provided, and the absence of a clear growth strategy or segment-specific projections limits the ability to assess future performance.
The risk assessment indicates a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its ability to fund operations without external financing. However, the low dilution risk suggests that the company is not expected to issue additional shares in the near term, preserving shareholder value.
Recent events, such as the latest earnings report showing an EPS of 3.18 LKR, indicate that the company is meeting analyst expectations. However, there are no disclosed major events or strategic initiatives in the provided data that would suggest a significant shift in the company's direction or performance.
- PEIN.CM has a conservative capital structure with a low debt-to-equity ratio of 0.06.
- The company's return on equity of 5.95% is below the industry median, indicating underperformance in shareholder returns.
- The company's liquidity position is strong, with a liquidity FPT of 1.2x, but its net cash position is negative after subtracting total debt.
- The company's revenue is concentrated in its core insurance operations, with no disclosed geographic diversification.
- The company is meeting analyst expectations with an EPS of 3.18 LKR, but there are no disclosed major events or strategic initiatives.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- 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
- PEIN.CM Market data — financials · 2026-05-28
- People's Insurance PLC Market data — analyst estimates · 2026-05-28