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Chesnara plc
CSN.L: LSELowest reading is at 15 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Steven Grant Murray
Market Cap
815.49 Million GBp
Sector
Financial Services
Website
https://www.chesnara.co.ukLast Update
28/09/2026, 02:25:22
Description
Chesnara plc, together with its subsidiaries, operates in life assurance and pension businesses primarily in the United Kingdom, Sweden, and the Netherlands.
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Strongest readings
- ✔Debt is low at 0.36 times equity
Weakest readings
- ✘A high share of income is paid out as dividend (5180.00%)
- ✘Price-to-earnings of 257.1 is above the market average of 19.6
- ✘Earnings are negative at -0.05 per share
- ✘Share count has been rising at 5.86% per year
- ✘Earnings and cashflow growth is weak (growth score 15 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 257.11x | 19.60x | |
| ✘ | Margin of safety (DCF) | -35.79% | 17.95% | |
| ✘ | Revenue growth (5y average) | 3.64% | 10.97% | |
| ✔ | Dividend yield (TTM) | 6.35% | 1.85% | |
| ✘ | Share count, per year | 5.86% | 0.00% | |
| ✘ | Return on capital employed | 3.94% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
40 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 257.11x | 19.60x | |
| ✔ | Free cashflow yield | 9.54% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 155.75x | — | ||
| ✘ | Margin of safety | -35.79% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 226.33 GBp is below the current price of 352.50 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 1.9 GBp ✘
Current Price: 352.5 GBp
Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
15 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 3.64% | 10.97% | |
| ✘ | Earnings growth | -79.37% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
38 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.36x | 0.80x | |
| ✔ | Debt / total capital | 0.27x | 1.00x | |
| Equity / assets | 3.86% | — | ||
| ✔ | Interest coverage | 2.65x | 2.50x | |
| Underwriting loss ratio | 88.16% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
47 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 6.35% | 1.85% | |
| ✔ | Dividend growth | 15.07% | 0.00% | |
| ✘ | Payout ratio (earnings) | 5180.00% | 40.00% | |
| ✘ | Payout ratio (cashflow) | 66.58% | 65.00% | |
| ✘ | Worst year, last 5 years | -2.56% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
44 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | -1.85% | 15.00% | |
| ✘ | Return on capital employed | 3.94% | 10.00% | |
| Return on assets | -0.07% | — | ||
| Free cashflow return on capital | -28.78% | — | ||
| ✔ | Return on capital, 5y change | 8.25% | 0.00% | |
| ✘ | Share count, per year | 5.86% | 0.00% | |
| ✘ | Share count, recent | 12.72% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 21.29% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 40 out of 100
- ✘Dividends were raised while earnings fell (dividend 3.21% per year, earnings -79.37% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CSN.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Chesnara plc
Currency
GBp
Beta
0.526
Vol Avg
589540
Ceo
Mr. Steven Grant Murray
Cik
Cusip
Exchange
LSE
Full Time Employees
377
Industry
Insurance - Life
Sector
Financial Services
Ipo Date
Address
33-34 Winckley Square
City
Preston
State
Country
United Kingdom
Zip
PR1 3JJ
Phone
44 1772 972050
Analysis Last Updated
28/09/2026, 02:25:22
Financial data compiled from SEC EDGAR filings and Yahoo Finance.