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KD Group financna druzba d. d

LJSE:KDHR
Snowflake Description

Excellent balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
KDHR
LJSE
€203M
Market Cap
  1. Home
  2. SI
  3. Insurance
Company description

KD Group, financna druzba, d. d. provides insurance, asset management, and financial services in Slovenia, European Union countries, and other countries of South-East Europe. The last earnings update was 30 days ago. More info.


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KDHR Share Price and Events
7 Day Returns
0%
LJSE:KDHR
-5.3%
Europe Insurance
-1%
SI Market
1 Year Returns
4.2%
LJSE:KDHR
-29.6%
Europe Insurance
-17.9%
SI Market
KDHR Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
KD Group financna druzba d. d (KDHR) 0% 1.8% 0.6% 4.2% 960.8% 866.7%
Europe Insurance -5.3% -26% -33.6% -29.6% -22.4% -28%
SI Market -1% -19.7% -23.3% -17.9% -7.6% -16.9%
1 Year Return vs Industry and Market
  • KDHR outperformed the Insurance industry which returned -29.6% over the past year.
  • KDHR outperformed the Market in Slovenia which returned -17.9% over the past year.
Price Volatility
KDHR
Industry
5yr Volatility vs Market

Value

 Is KD Group financna druzba d. d undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of KD Group financna druzba d. d to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for KD Group financna druzba d. d.

LJSE:KDHR Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €51.24 * 2.6%
€1.32
Book Value of Equity per Share Median Book Value from the past 5 years. €51.24
Discount Rate (Cost of Equity) See below 6.1%
Perpetual Growth Rate 10-Year SI Government Bond Rate 0.1%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LJSE:KDHR
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year SI Govt Bond Rate 0.1%
Equity Risk Premium S&P Global 7.5%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.604 (1 + (1- 19%) (1.01%))
0.738
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.1% + (0.8 * 7.46%)
6.07%

Discounted Cash Flow Calculation for LJSE:KDHR using Excess Returns Model Model

The calculations below outline how an intrinsic value for KD Group financna druzba d. d is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LJSE:KDHR Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (2.6% – 6.07%) * €51.24)
€-1.79
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-1.79 / (6.07% - 0.1%)
€-30.04
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €51.24 + €-30.04
€21.2
LJSE:KDHR Discount to Share Price
Calculation Result
Value per share (EUR) From above. €21.20
Current discount Discount to share price of €87.00
= -1 x (€87.00 - €21.20) / €21.20
-310.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of KD Group financna druzba d. d is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for KD Group financna druzba d. d's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are KD Group financna druzba d. d's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LJSE:KDHR PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in EUR €48.11
LJSE:KDHR Share Price ** LJSE (2020-04-03) in EUR €87
Europe Insurance Industry PE Ratio Median Figure of 77 Publicly-Listed Insurance Companies 8.7x
Slovenia Market PE Ratio Median Figure of 20 Publicly-Listed Companies 5.99x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of KD Group financna druzba d. d.

LJSE:KDHR PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LJSE:KDHR Share Price ÷ EPS (both in EUR)

= 87 ÷ 48.11

1.81x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • KD Group financna druzba d. d is good value based on earnings compared to the Europe Insurance industry average.
  • KD Group financna druzba d. d is good value based on earnings compared to the Slovenia market.
Price based on expected Growth
Does KD Group financna druzba d. d's expected growth come at a high price?
Raw Data
LJSE:KDHR PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 1.81x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Insurance Industry PEG Ratio Median Figure of 55 Publicly-Listed Insurance Companies 1.02x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for KD Group financna druzba d. d, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on KD Group financna druzba d. d's assets?
Raw Data
LJSE:KDHR PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in EUR €88.42
LJSE:KDHR Share Price * LJSE (2020-04-03) in EUR €87
Europe Insurance Industry PB Ratio Median Figure of 84 Publicly-Listed Insurance Companies 0.86x
Slovenia Market PB Ratio Median Figure of 24 Publicly-Listed Companies 0.49x
LJSE:KDHR PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LJSE:KDHR Share Price ÷ Book Value per Share (both in EUR)

= 87 ÷ 88.42

0.98x

* Primary Listing of KD Group financna druzba d. d.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • KD Group financna druzba d. d is overvalued based on assets compared to the Europe Insurance industry average.
X
Value checks
We assess KD Group financna druzba d. d's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. KD Group financna druzba d. d has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is KD Group financna druzba d. d expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as KD Group financna druzba d. d has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.3%
Expected Insurance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is KD Group financna druzba d. d expected to grow at an attractive rate?
  • Unable to compare KD Group financna druzba d. d's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare KD Group financna druzba d. d's earnings growth to the market average as no estimate data is available.
  • Unable to compare KD Group financna druzba d. d's revenue growth to the market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LJSE:KDHR Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Insurance Industry Earnings Growth Rate Market Cap Weighted Average 7.3%
Europe Insurance Industry Revenue Growth Rate Market Cap Weighted Average -7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LJSE:KDHR Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LJSE:KDHR Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-12-31 139 -85 116
2019-09-30 56 -62 103
2019-06-30 140 -36 108
2019-03-31 4 -37 42
2018-12-31 4 7 -16
2018-09-30 -167 6 -10
2018-06-30 -162 2 -13
2018-03-31 326 27 4
2017-12-31 3 14 -7
2017-09-30 338 7 3
2017-06-30 345 2 3
2017-03-31 355 -7 2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if KD Group financna druzba d. d is high growth as no earnings estimate data is available.
  • Unable to determine if KD Group financna druzba d. d is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LJSE:KDHR Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from KD Group financna druzba d. d Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LJSE:KDHR Past Financials Data
Date (Data in EUR Millions) EPS *
2019-12-31 48.11
2019-09-30 42.45
2019-06-30 45.21
2019-03-31 17.84
2018-12-31 -6.47
2018-09-30 -4.32
2018-06-30 -5.18
2018-03-31 1.51
2017-12-31 -2.92
2017-09-30 1.20
2017-06-30 1.19
2017-03-31 0.85

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if KD Group financna druzba d. d will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Check out KD Group financna druzba d. d's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  2. KD Group financna druzba d. d's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Insurance companies here
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess KD Group financna druzba d. d's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
KD Group financna druzba d. d has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has KD Group financna druzba d. d performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare KD Group financna druzba d. d's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • KD Group financna druzba d. d has delivered over 20% year on year earnings growth in the past 5 years.
  • KD Group financna druzba d. d has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • KD Group financna druzba d. d has become profitable in the last year making it difficult to compare the Europe Insurance industry average.
Earnings and Revenue History
KD Group financna druzba d. d's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from KD Group financna druzba d. d Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LJSE:KDHR Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 138.53 116.22 2.90
2019-09-30 55.88 102.66 -17.22
2019-06-30 139.52 108.32 2.90
2019-03-31 3.65 42.44 -16.02
2018-12-31 4.40 -15.61 2.71
2018-09-30 -166.58 -10.43 -36.56
2018-06-30 -161.57 -12.89 -36.60
2018-03-31 326.16 3.85 84.13
2017-12-31 3.35 -7.48 3.17
2017-09-30 338.43 3.15 84.56
2017-06-30 344.52 3.10 86.32
2017-03-31 355.14 2.23 87.37
2016-12-31 343.71 2.27 88.96
2016-09-30 351.65 2.39 89.37
2016-06-30 318.35 -1.26 118.33
2016-03-31 299.67 -1.59 103.95
2015-12-31 332.05 0.81 90.93
2015-09-30 355.53 -3.05 77.64
2015-06-30 382.76 2.52 33.72
2015-03-31 369.54 5.02 33.40
2014-12-31 339.84 4.71 32.77
2014-09-30 302.25 6.63 31.53
2014-06-30 288.63 6.54 31.56
2014-03-31 297.38 6.27 31.13
2013-12-31 293.87 6.59 31.14
2013-09-30 302.44 4.84 28.94
2013-06-30 312.60 -1.52 27.70

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • KD Group financna druzba d. d made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%).
  • KD Group financna druzba d. d used its assets more efficiently than the Europe Insurance industry average last year based on Return on Assets.
  • KD Group financna druzba d. d has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess KD Group financna druzba d. d's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
KD Group financna druzba d. d has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is KD Group financna druzba d. d's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up KD Group financna druzba d. d's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • KD Group financna druzba d. d is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • KD Group financna druzba d. d's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of KD Group financna druzba d. d's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 111.3x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from KD Group financna druzba d. d Company Filings, last reported 3 months ago.

LJSE:KDHR Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 206.20 1.62 100.62
2019-09-30 206.20 1.62 100.62
2019-06-30 218.45 1.69 122.75
2019-03-31 218.45 1.69 122.75
2018-12-31 115.21 39.10 6.33
2018-09-30 126.84 90.83 44.28
2018-06-30 123.68 90.62 43.63
2018-03-31 127.04 92.36 57.23
2017-12-31 123.88 91.95 23.54
2017-09-30 123.95 90.82 54.74
2017-06-30 121.27 90.49 57.01
2017-03-31 120.28 93.89 54.39
2016-12-31 121.90 93.45 16.81
2016-09-30 125.82 94.14 54.92
2016-06-30 122.64 93.80 67.03
2016-03-31 123.93 79.89 29.07
2015-12-31 121.33 79.10 29.99
2015-09-30
2015-06-30 126.40 89.78 83.65
2015-03-31 136.75 106.55 39.35
2014-12-31 125.82 106.77 79.90
2014-09-30 130.41 107.80 85.71
2014-06-30 125.73 111.01 56.61
2014-03-31 115.15 112.63 21.51
2013-12-31 108.90 113.63 51.65
2013-09-30
2013-06-30 105.59 118.74 53.75
  • KD Group financna druzba d. d's level of debt (0.8%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (84.8% vs 0.8% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Interest payments on debt are well covered by earnings (EBIT is 126.7x coverage).
X
Financial health checks
We assess KD Group financna druzba d. d's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. KD Group financna druzba d. d has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is KD Group financna druzba d. d's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from KD Group financna druzba d. d dividends.
If you bought €2,000 of KD Group financna druzba d. d shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate KD Group financna druzba d. d's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate KD Group financna druzba d. d's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LJSE:KDHR Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Insurance Industry Average Dividend Yield Market Cap Weighted Average of 69 Stocks 7.1%
Slovenia Market Average Dividend Yield Market Cap Weighted Average of 14 Stocks 9.4%
Slovenia Minimum Threshold Dividend Yield 10th Percentile 2.4%
Slovenia Bottom 25% Dividend Yield 25th Percentile 4.9%
Slovenia Top 25% Dividend Yield 75th Percentile 10.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LJSE:KDHR Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2009-05-28 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as KD Group financna druzba d. d has not reported any payouts.
  • Unable to verify if KD Group financna druzba d. d's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of KD Group financna druzba d. d's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as KD Group financna druzba d. d has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess KD Group financna druzba d. d's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 2.4%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can KD Group financna druzba d. d afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. KD Group financna druzba d. d has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of KD Group financna druzba d. d's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Gregor Sluga
COMPENSATION €235,035
TENURE AS CEO 0.6 years
CEO Bio

Mr. Gregor Sluga serves as Director at KD Group, financna družba, d.d. since April 17, 2019 and serves as its Chief Executive Officer since September 1, 2019. He serves as an Adviser to the Director of KD Group D.D. Mr. Sluga served as a Member of Supervisory Board of Deželna Banka Slovenije D.D. He served as a Member of Supervisory Board of Gorenje DD until July 18, 2010. Mr. Sluga is a graduate and holds a M Sc in management and organisation from Faculty of Economics in Ljubljana.

CEO Compensation
  • Insufficient data for Gregor to compare compensation growth.
  • Gregor's remuneration is about average for companies of similar size in Slovenia.
Management Team

Gregor Sluga

TITLE
CEO & Director
COMPENSATION
€235K
TENURE
0.6 yrs

Aljoša Tomaž

TITLE
Executive Director
COMPENSATION
€225K

Zoran Boškovic

TITLE
Deputy CEO & Executive Director
COMPENSATION
€144K
TENURE
2.4 yrs
Board of Directors Tenure

Average tenure of the KD Group financna druzba d. d board of directors in years:

2.1
Average Tenure
  • The average tenure for the KD Group financna druzba d. d board of directors is less than 3 years, this suggests a new board.
Board of Directors

Aleksander Sekavcnik

TITLE
Chairman of the Board of Directors
COMPENSATION
€90K
TENURE
2.1 yrs

Gregor Sluga

TITLE
CEO & Director
COMPENSATION
€235K
TENURE
1 yrs

Matija Gantar

TITLE
Deputy Chairman of the Board of Directors
COMPENSATION
€72K
AGE
29
TENURE
2.1 yrs

Aljoša Tomaž

TITLE
Executive Director
COMPENSATION
€225K
TENURE
7.8 yrs

Tomaž Butina

TITLE
Director
COMPENSATION
€79K

Katarina Valentincic Istenic

TITLE
Director
COMPENSATION
€73K
TENURE
5.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess KD Group financna druzba d. d's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. KD Group financna druzba d. d has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

KD Group, financna druzba, d. d. provides insurance, asset management, and financial services in Slovenia, European Union countries, and other countries of South-East Europe. The company operates through Non-Life Insurance, Life Insurance, Health Insurance, Financial Operations, Asset Management, and Other segments. It offers non-life insurance products, including accident insurance; insurance for land, motor vehicles, and fire and other damage or loss; liability insurance; financial loss insurance; transport insurance; credit and suretyship insurance; and assistance insurance, as well as insurance for legal expenses and litigation costs. The company also provides complementary health, additional health, and parallel health insurance products; life insurance products; and unit-linked life insurance products. KD Group, financna družba, d. d. provides insurance products through its agents. It also offers real estate construction and management services. The company was incorporated in 2001 and is headquartered in Ljubljana, Slovenia. KD Group, financna druzba, d. d. is a subsidiary of KD, financna druzba, d. d.

Details
Name: KD Group, financna druzba, d. d.
KDHR
Exchange: LJSE
Founded: 2001
€202,889,742
2,332,066
Website: http://www.kd-group.com
Address: KD Group, financna druzba, d. d.
Dunajska cesta 63,
Ljubljana,
1000,
Slovenia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LJSE KDHR Ordinary Registrered Shares Ljubljana Stock Exchange SI EUR 26. Mar 2001
LSE 0M4R Ordinary Registrered Shares London Stock Exchange GB EUR 26. Mar 2001
Number of employees
Current staff
Staff numbers
0
KD Group financna druzba d. d employees.
Industry
Property and Casualty Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/04 20:15
End of day share price update: 2020/04/03 00:00
Last earnings filing: 2020/03/05
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.