Stock RAYSG RAY SIGORTA ANONIM SIRKETI
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Financials Ray Sigorta Anonim Sirketi

Equities

RAYSG

TRARAYSG91O8

Life & Health Insurance

Market Closed - Borsa Istanbul
Other stock markets
 11:09:01 2024-05-21 am EDT 		5-day change 1st Jan Change
522.5 TRY +2.75% Intraday chart for Ray Sigorta Anonim Sirketi +2.45% +120.00%
Apr. 25 Ray Sigorta Anonim Sirketi Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 21 Ray Sigorta Anonim Sirketi Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 226.7 557.7 2,519 2,250 3,480 38,729
Enterprise Value (EV) 1 -250.7 -98.61 1,716 1,383 1,582 35,469
P/E ratio 7.98 x 11.1 x 42.8 x 32.9 x 19.4 x 42.9 x
Yield - - - - - -
Capitalization / Revenue 0.59 x 1 x 3.9 x 2.46 x 2.1 x 8.19 x
EV / Revenue -0.66 x -0.18 x 2.66 x 1.51 x 0.96 x 7.5 x
EV / EBITDA -17 x -1.53 x 29 x -134 x 10.5 x 53.9 x
EV / FCF -3 x -0.58 x 10.8 x 19.9 x 1.29 x 19.3 x
FCF Yield -33.4% -172% 9.26% 5.03% 77.5% 5.18%
Price to Book 1.07 x 2.13 x 7.46 x 5.12 x 3.91 x 19.2 x
Nbr of stocks (in thousands) 163,070 163,070 163,070 163,070 163,070 163,070
Reference price 2 1.390 3.420 15.45 13.80 21.34 237.5
Announcement Date 2/28/19 2/28/20 2/25/21 2/22/22 2/28/23 2/21/24
1TRY in Million2TRY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 381.3 558 645.5 914 1,653 4,726
EBITDA 1 14.73 64.28 59.26 -10.33 150 658
EBIT 1 9.896 57.89 51.72 -20.64 133 607.5
Operating Margin 2.6% 10.37% 8.01% -2.26% 8.05% 12.85%
Earnings before Tax (EBT) 1 37.02 64.4 74.63 90.46 219 1,037
Net income 1 28.39 50.08 58.92 68.32 179.7 901.9
Net margin 7.45% 8.97% 9.13% 7.47% 10.87% 19.08%
EPS 2 0.1741 0.3071 0.3613 0.4189 1.102 5.531
Free Cash Flow 1 83.64 169.5 158.8 69.54 1,225 1,838
FCF margin 21.94% 30.37% 24.61% 7.61% 74.12% 38.9%
FCF Conversion (EBITDA) 567.94% 263.64% 268% - 817% 279.39%
FCF Conversion (Net income) 294.59% 338.38% 269.55% 101.8% 681.8% 203.82%
Dividend per Share - - - - - -
Announcement Date 2/28/19 2/28/20 2/25/21 2/22/22 2/28/23 2/21/24
1TRY in Million2TRY
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 477 656 803 867 1,898 3,260
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 83.6 169 159 69.5 1,225 1,838
ROE (net income / shareholders' equity) 14.3% 21.1% 19.6% 17.6% 27% 62.1%
ROA (Net income/ Total Assets) 0.74% 3.29% 2.11% -0.63% 2.15% 4.66%
Assets 1 3,815 1,525 2,795 -10,782 8,347 19,370
Book Value Per Share 2 1.300 1.610 2.070 2.700 5.460 12.40
Cash Flow per Share 2 2.930 4.050 4.960 5.360 11.70 20.00
Capex 1 3.39 1.83 10.2 1.01 20.2 82.9
Capex / Sales 0.89% 0.33% 1.57% 0.11% 1.22% 1.75%
Announcement Date 2/28/19 2/28/20 2/25/21 2/22/22 2/28/23 2/21/24
1TRY in Million2TRY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Life & Health Insurance

1st Jan change Capi.
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