Berenberg Bank Lowers Direct Line Insurance Group (LON:DLG) Price Target to GBX 331

Direct Line Insurance Group (LON:DLG) had its price target cut by investment analysts at Berenberg Bank from GBX 344 ($4.49) to GBX 331 ($4.33) in …

Direct Line Insurance Group logoDirect Line Insurance Group (LON:DLG) had its price target cut by investment analysts at Berenberg Bank from GBX 344 ($4.49) to GBX 331 ($4.33) in a note issued to investors on Thursday, ThisIsMoney.Co.Uk reports. The brokerage currently has a “hold” rating on the stock. Berenberg Bank’s price objective would suggest a potential upside of 16.02% from the company’s current price.

Several other research firms have also issued reports on DLG. JPMorgan Chase & Co. cut their price target on shares of Direct Line Insurance Group from GBX 360 ($4.70) to GBX 345 ($4.51) and set a “neutral” rating on the stock in a report on Monday, July 8th. Deutsche Bank reaffirmed a “hold” rating on shares of Direct Line Insurance Group in a report on Thursday, August 1st. Shore Capital reaffirmed a “buy” rating on shares of Direct Line Insurance Group in a report on Wednesday, July 31st. Numis Securities lowered shares of Direct Line Insurance Group to a “reduce” rating in a report on Thursday, May 9th. Finally, UBS Group reaffirmed a “buy” rating on shares of Direct Line Insurance Group in a report on Monday, July 29th. Two analysts have rated the stock with a sell rating, seven have given a hold rating and five have given a buy rating to the company’s stock. The stock presently has a consensus rating of “Hold” and a consensus price target of GBX 355.73 ($4.65).

Shares of DLG stock opened at GBX 285.30 ($3.73) on Thursday. The firm has a market cap of $3.91 billion and a price-to-earnings ratio of 9.14. The company’s 50 day moving average is GBX 313.36 and its 200 day moving average is GBX 331.88. The company has a quick ratio of 0.34, a current ratio of 0.55 and a debt-to-equity ratio of 16.68. Direct Line Insurance Group has a 52-week low of GBX 285.80 ($3.73) and a 52-week high of GBX 366.60 ($4.79).

About Direct Line Insurance Group

Direct Line Insurance Group plc provides general insurance products and services in the United Kingdom. It operates through Motor, Home, Rescue and Other Personal Lines, and Commercial segments. The company offers personal motor, home, and rescue insurance products, as well as other personal line insurance products, including travel, pet, and creditor products; and commercial insurance for small and medium-sized enterprises.

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Analyst Recommendations for Direct Line Insurance Group (LON:DLG)

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Direct Line Insurance Group plc (LSE:DLG)’s Year Over Year Cash Flow Moves 0.50551

Direct Line Insurance Group plc (LSE:DLG) has seen cash flow growth over the past year of 0.50551. Cash flow and cash flow growth can reveal to an …

Direct Line Insurance Group plc (LSE:DLG) has seen cash flow growth over the past year of 0.50551. Cash flow and cash flow growth can reveal to an investor how quickly the firm is generating inflows of cash from their business operations.

Knowledgeable investors are typically better prepared when deciding what stocks to buy. Having a deeper understanding of companies, sectors, and investment concepts may prove to be a huge boost to the investor’s confidence and profits. Savvy investors generally know how to stick with an investing plan but are able to adapt to any unforeseen market movements. Building lasting wealth is usually at the forefront of many investor strategies. It may be nearly impossible to find explanations for unusual market activity until long after everything has shifted and settled. Being able to take the punches from everyday market happenings may help the investor stay focused on the long-term objectives. As long as there are markets, there will always be news swirling around. There will constantly be talk of the bulls and the bears, market corrections, sell-offs, and such. Being able to wade through the headlines to get down to the nitty-gritty important stuff is where the market masters make their living. Being able to focus on the right information can be a gigantic boost to the health of the individual investor’s portfolio. Finding out what works and what doesn’t can also play big part in coming out on top in the stock market. Although it may not be an easy endeavor, it may be attainable with the right amount of perseverance and dedication.

Direct Line Insurance Group plc (LSE:DLG) of the Nonlife Insurance sector closed the recent session at 2.890000 with a market value of $4854653.



Taking look at some key returns data we can note the following:

Direct Line Insurance Group plc (LSE:DLG) has Return on Invested Capital of 0.108085, with a 5-year average of 0.067251 and an ROIC quality score of 3.978292. Why is ROIC important to potential investors? It’s one of the most fundamental metrics in determining the value of a firm’s shares. It helps potential investors determine if the company is using it’s invested capital to return profits.

Drilling down into some additional key near-term indicators we note that the Capex to PPE ratio stands at 0.045638 for Direct Line Insurance Group plc (LSE:DLG). The Capex to PPE ratio shows you how capital intensive a company is. Stocks with an increasing (year over year) ratio may be moving to be more capital intensive and often underperform the market. Higher Capex also often means lower Free Cash Flow (Operating cash flow – Capex) generation and lower dividends as companies don’t have the cash to pay dividends if they are investing more in the business.

In addition to Capex to PPE we can look at Cash Flow to Capex. This ration compares a stock’s operating cash flow to its capital expenditure and can identify if a firm can generate enough cash to meet investment needs. Investors are looking for a ratio greater than one, which indicates that the firm can meet that need. Comparing to other firms in the same industry is relevant for this ratio. Direct Line Insurance Group plc (LSE:DLG)’s Cash Flow to Capex stands at 57.264706.

When it comes to investing, people are generally told to make sure that they don’t put all their eggs in one basket. This saying can apply to investing in the stock market as well. Keeping the stock portfolio diversified can greatly behoove the individual investor. When hard earned money is on the line, individuals may want to pay extra attention as to how their equity holdings are spread out. Many investors will choose to pick stocks that combine large cap, small cap, and even international stocks. Although stock portfolio diversification does not eliminate risk, it can help reduce it during tumultuous market conditions.

Near-Term Growth Drilldown

Now we’ll take a look at some key growth data as decimals. One year cash flow growth ratio is calculated on a trailing 12 months basis and is a one year percentage growth of a firm’s cash flow from operations. This number stands at 0.50551 for Direct Line Insurance Group plc (LSE:DLG). The one year Growth EBIT ratio stands at -0.08257 and is a calculation of one year growth in earnings before interest and taxes. The one year EBITDA growth number stands at -0.09043 which is calculated similarly to EBIT Growth with just the addition of amortization.

Taking even a further look we note that the 1 year Free Cash Flow (FCF) Growth is at 0.46199. The one year growth in Net Profit after Tax is 0.10999 and lastly sales growth was -0.04349.

In looking at some Debt ratios, Direct Line Insurance Group plc (LSE:DLG) has a debt to equity ratio of 0.16678 and a Free Cash Flow to Debt ratio of 1.594831. This ratio provides insight as to how high the firm’s total debt is compared to its free cash flow generated. In terms of Net Debt to EBIT, that ratio stands at -1.15309. This ratio reveals how easily a company is able to pay interest and capital on its net outstanding debt. The lower the ratio the better as that indicates that the company is able to meet its interest and capital payments. Lastly we’ll take note of the Net Debt to Market Value ratio. Direct Line Insurance Group plc’s ND to MV current stands at -0.167024. This ratio is calculated as follows: Net debt (Total debt minus Cash ) / Market value of the company.

When it comes to investing, people are generally told to make sure that they don’t put all their eggs in one basket. This saying can apply to investing in the stock market as well. Keeping the stock portfolio diversified can greatly behoove the individual investor. When hard earned money is on the line, individuals may want to pay extra attention as to how their equity holdings are spread out. Many investors will choose to pick stocks that combine large cap, small cap, and even international stocks. Although stock portfolio diversification does not eliminate risk, it can help reduce it during tumultuous market conditions.

50/200 Simple Moving Average Cross

Direct Line Insurance Group plc (LSE:DLG) has a 0.96622 50/200 day moving average cross value. Cross SMA 50/200 (SMA = Simple Moving Average) and is calculated as follows:

Cross SMA 50/200 = 50 day moving average / 200day moving average. If the Cross SMA 50/200 value is greater than 1, it tell us that the 50 day moving average is above the 200 day moving average (golden cross), indicating an upward moving share price.

On the other hand if the Cross SMA 50/200 value is less than 1, this shows that the 50 day moving average is below the 200 day moving average (a death cross), and tells us that share prices has fallen recently and may continue to do so.

As many veteran investors have already seen, market movements are extremely hard to accurately predict. Financial news outlets are always producing headlines and offering predictions for future market performance. Sometimes the predictions are right, and sometimes the predictions are wrong. Investors may have a hard time separating fact from fiction when it comes to bullish and bearish sentiment. Adjusting the portfolio based strictly on headlines can be tempting for the amateur investor. Filtering out the noise and focusing on the pertinent data can help keep the individual focused and on track. Straying from the plan and basing investment decisions on news headlines may lead to portfolio confusion down the road. Crunching the numbers and paying attention to the important economic data can greatly help the investor see through the smoke when markets get muddled.

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Direct Line Insurance Group (LON:DLG) Hits New 12-Month Low at $285.00

Shares of Direct Line Insurance Group PLC (LON:DLG) reached a new 52-week low on Tuesday . The company traded as low as GBX 285 ($3.72) …

Direct Line Insurance Group logoShares of Direct Line Insurance Group PLC (LON:DLG) reached a new 52-week low on Tuesday . The company traded as low as GBX 285 ($3.72) and last traded at GBX 286.80 ($3.75), with a volume of 319533 shares. The stock had previously closed at GBX 287.70 ($3.76).

A number of equities research analysts have recently weighed in on DLG shares. Morgan Stanley restated an “overweight” rating on shares of Direct Line Insurance Group in a research report on Wednesday, June 19th. Shore Capital restated a “buy” rating on shares of Direct Line Insurance Group in a research report on Wednesday, July 31st. Numis Securities downgraded Direct Line Insurance Group to a “reduce” rating in a research report on Thursday, May 9th. Deutsche Bank restated a “hold” rating on shares of Direct Line Insurance Group in a research report on Thursday, August 1st. Finally, JPMorgan Chase & Co. decreased their price objective on Direct Line Insurance Group from GBX 360 ($4.70) to GBX 345 ($4.51) and set a “neutral” rating for the company in a research note on Monday, July 8th. Two investment analysts have rated the stock with a sell rating, seven have assigned a hold rating and five have given a buy rating to the company. Direct Line Insurance Group has a consensus rating of “Hold” and an average price target of GBX 356.91 ($4.66).

The company has a debt-to-equity ratio of 16.68, a current ratio of 0.55 and a quick ratio of 0.34. The business has a 50 day moving average of GBX 313.36 and a 200 day moving average of GBX 331.88. The firm has a market capitalization of $3.94 billion and a price-to-earnings ratio of 9.18.

The business also recently disclosed a dividend, which will be paid on Friday, September 6th. Investors of record on Thursday, August 8th will be paid a dividend of GBX 7.20 ($0.09) per share. The ex-dividend date is Thursday, August 8th. This represents a dividend yield of 2.27%. Direct Line Insurance Group’s dividend payout ratio (DPR) is presently 0.67%.

About Direct Line Insurance Group (LON:DLG)

Direct Line Insurance Group plc provides general insurance products and services in the United Kingdom. It operates through Motor, Home, Rescue and Other Personal Lines, and Commercial segments. The company offers personal motor, home, and rescue insurance products, as well as other personal line insurance products, including travel, pet, and creditor products; and commercial insurance for small and medium-sized enterprises.

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What’s Unfolding For Shares of Direct Line Insurance Group plc (LSE:DLG)

Taking a look at some historical volatility numbers on shares of Direct Line Insurance Group plc (LSE:DLG), we can see that the 12 month volatility is …

Taking a look at some historical volatility numbers on shares of Direct Line Insurance Group plc (LSE:DLG), we can see that the 12 month volatility is presently 16.726900. The 6 month volatility is 18.278000, and the 3 month is spotted at 14.649300. Following volatility data can help measure how much the stock price has fluctuated over the specified time period. Although past volatility action may help project future stock volatility, it may also be vastly different when taking into account other factors that may be driving price action during the measured time period.

Some stock market investors may abide to the saying, nothing ventured nothing gained. Others may operate by following the saying slow and steady wins the race. The correct move for one investor may not be the same for another. Some may choose to go all in, while others may look to reduce risk with stable long-term staple companies. Active equity investors may be forced to make hard decisions at some point, but working hard and being prepared may prove to be a portfolio booster. Dedicated investors are often willing to put in the extra hours in order to make sure no stone is left unturned.

We can now take a quick look at some historical stock price index data. Direct Line Insurance Group plc (LSE:DLG) presently has a 10 month price index of 0.98698. The price index is calculated by dividing the current share price by the share price ten months ago. A ratio over one indicates an increase in share price over the period. A ratio lower than one shows that the price has decreased over that time period. Looking at some alternate time periods, the 12 month price index is 0.94482, the 24 month is 0.92721, and the 36 month is 1.01981. Narrowing in a bit closer, the 5 month price index is 0.90252, the 3 month is 0.92911, and the 1 month is currently 0.89948.

At the time of writing, Direct Line Insurance Group plc (LSE:DLG) has a Piotroski F-Score of 6. The F-Score may help discover companies with strengthening balance sheets. The score may also be used to spot the weak performers. Joseph Piotroski developed the F-Score which employs nine different variables based on the company financial statement. A single point is assigned to each test that a stock passes. Typically, a stock scoring an 8 or 9 would be seen as strong. On the other end, a stock with a score from 0-2 would be viewed as weak.

Investors may be interested in viewing the Gross Margin score on shares of Direct Line Insurance Group plc (LSE:DLG). The name currently has a score of 13.00000. This score is derived from the Gross Margin (Marx) stability and growth over the previous eight years. The Gross Margin score lands on a scale from 1 to 100 where a score of 1 would be considered positive, and a score of 100 would be seen as negative. The Q.i. Value of Direct Line Insurance Group plc is 8.00000. The Q.i. Value is a helpful tool in determining if a company is undervalued or not. The Q.i. Value is calculated using the following ratios: EBITDA Yield, Earnings Yield, FCF Yield, and Liquidity. The lower the Q.i. value, the more undervalued the company is thought to be.

It may be difficult for many investors to decide the right time to buy or sell a stock. Veteran investors may seem like they have it all figured out, and amateurs may feel like they are swimming upstream. Seasoned traders may have spent many years monitoring market ebbs and flows. Knowing when to take profits or cut losses can be a tough skill to achieve. It might be hard letting go of a well researched stock that hasn’t been performing well. Being able to exit a trade that has gone south can be a portfolio saver in the long run.

The MF Rank (aka the Magic Formula) is a formula that pinpoints a valuable company trading at a good price. The formula is calculated by looking at companies that have a high earnings yield as well as a high return on invested capital. The MF Rank of Direct Line Insurance Group plc (LSE:DLG) is 3529. A company with a low rank is considered a good company to invest in. The Magic Formula was introduced in a book written by Joel Greenblatt, entitled, “The Little Book that Beats the Market”. The ERP5 Rank is an investment tool that analysts use to discover undervalued companies. The ERP5 looks at the Price to Book ratio, Earnings Yield, ROIC and 5 year average ROIC. The ERP5 of Direct Line Insurance Group plc (LSE:DLG) is 4901. The lower the ERP5 rank, the more undervalued a company is thought to be.

Some of the best financial predictions are formed by using a variety of financial tools. The Price Range 52 Weeks is one of the tools that investors use to determine the lowest and highest price at which a stock has traded in the previous 52 weeks. The Price Range of Direct Line Insurance Group plc (LSE:DLG) over the past 52 weeks is 0.789000. The 52-week range can be found in the stock’s quote summary.

Investors may be looking for solid stocks to add to the portfolio. Sometimes, investors may choose to go against the grain and try something that nobody else is doing. This typically comes with plenty of time and research examining those appealing stocks. Digging into the fundamentals as well as tracking technical levels can help separate the winners from the losers. Investors who are able to keep the required temperament may be able to cope with market volatility and get positioned to take advantage of any opportunity that presents itself.

Free Cash Flow Growth (FCF Growth) is the free cash flow of the current year minus the free cash flow from the previous year, divided by last year’s free cash flow. The FCF Growth of Direct Line Insurance Group plc (LSE:DLG) is 0.448435. Free cash flow (FCF) is the cash produced by the company minus capital expenditure. This cash is what a company uses to meet its financial obligations, such as making payments on debt or to pay out dividends. The Free Cash Flow Score (FCF Score) is a helpful tool in calculating the free cash flow growth with free cash flow stability – this gives investors the overall quality of the free cash flow. The FCF Score of Direct Line Insurance Group plc is 0.962324. Experts say the higher the value, the better, as it means that the free cash flow is high, or the variability of free cash flow is low or both.

Investors often have to make decisions on what to do with stocks that have unperformed. Maybe things didn’t pan out the right way, even after combing through the numbers. Sometimes it may be difficult to let go of a stock that isn’t up to par. Knowing when to cut a loser from the portfolio can be a useful skill for the individual investor. On the flip side, investors may have to decide whether to sell a winner. There may be occasions when a stock goes through the roof without any notice. The tricky part may be figuring out whether to cash in, or keep riding the wave. Heading into the next few quarters, investors will be trying to make sure they have all the bases covered.

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Investor Brief: Watching the Signals on Shares of Direct Line Insurance Group Plc (DIISY) as the …

Watching some technical levels for Direct Line Insurance Group Plc (DIISY), we have noticed that the current 20-Day Bollinger Bands signal is reading …

Watching some technical levels for Direct Line Insurance Group Plc (DIISY), we have noticed that the current 20-Day Bollinger Bands signal is reading Hold. This indicator may be used to assist with identifying oversold and overbought conditions. The signal direction is currently Bullish. Following another signal, we can see that the 10-day moving average Hilo channel reading is showing Hold. This indicator calculates the moving average based on highs/lows rather than the closing price. The direction of this signal has been noted as Bullish.

Following all the day to day information regarding publically traded companies can be challenging. There is rarely any shortage of data that investors can examine when attempting to research specific stocks. One of the greatest challenges for the investor is determining which data to focus on and which data to set aside. Investors will often need to stay aware of happenings in the overall economic environment, and pay attention to global factors that may have a widespread impact on markets. Being aware of the macroeconomic picture can greatly help the investor when making important portfolio decisions.

Direct Line Insurance Group Plc (DIISY) currently has a 6 month MA of 16.7563. Investors may use moving averages for different reasons. Some may use the moving average as a primary trading tool, while others may use it as a back-up. Investors may be watching when the stock price crosses a certain moving average and then closes on the other side. These moving average crossovers may be used to help identify momentum shifts, or possible entry/exit points. A cross below a certain moving average may signal the beginning of a downward move. On the other end, a cross above a moving average may indicatet a possible uptrend. Investors may be focused on multiple time periods when studying moving averages. Zooming out a bit further, we have noted that the 9 month moving average is currently 16.7621.

Investors may be tracking the average range on shares of Direct Line Insurance Group Plc (DIISY). The stock currently has a 9 day average range of 0.5568. This a moving average of trading ranges over a 9 day time frame. With this value, higher numbers tend to occur at market bottoms while lower values may be spotted during extended sideways periods. Looking at the 9 day relative strength reading, we can see that the value is currently 45.22%. This technical momentum indicator compares the size of recent gains to recent losses helping to identify possible overbought and oversold conditions.

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Shifting gears, we see that the opinion signal for the current session is 88% Sell for Direct Line Insurance Group Plc. Investors may also be watching the strength and direction of the opinion signals. The opinion direction is presently Strengthening. This is a measurement over the last three trading sessions that gives an indication of whether the latest recent price movement is following the signal. A Buy or Sell signal with a “Strongest” direction indicates that the signal is gaining strength. The opinion strength signal is presently reading Strong. This is a longer-term measure verse the historical strength.

Direct Line Insurance Group Plc (DIISY) currently has a standard deviation of +1.70. Standard deviation is defined as a measure of the dispersion from the mean in regards to a data set. When dealing with financial instruments, the standard deviation is applied to the annual rate of return to help measure the volatility of a particular investment. Watching the standard deviation may help investors see if a stock is primed for a major move. The stock’s current pivot is 14.2467. The pivot point is typically used as a trend indicator. The pivot is the average of the close, low, and high of the prior trading period.

Dealing with the ups and down of the stock market is something that most investors will encounter at some point. Everyone wants to feel that thrill of seeing that big winner soar, and nobody wants to see that loser keep sinking. Figuring out how to best approach the stock market can take up a lot of time and energy. There are many strategies that investors can use when purchasing stocks for the portfolio. Some of these strategies may be riskier than others. Determining a comfortable level of risk appetite may be highly important for the individual investor. It is important to remember that there are no guarantees in the stock market. New investors may have to learn that there is rarely any substitute for hard work and tireless research. Many investors jump in head first and find this out the hard way. Realizing that there is no guaranteed strategy for stock picking might help the investor stay focused and grounded while building up the portfolio.

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