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CHESNARA

(CSN GB00B00FPT80 GBX)

Value 165.250

Change Today -8.00

Updated17/05 16:35

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PROFILE

Registered Number	4947166
Registered Address	Harbour House Portway Preston Lancashire PR2 2PR
Phone Number	+44 (0) 1772 840000
Fax Number
Website	http://www.chesnara.co.uk
Activities	Provides insurance services
Country of Register	GB
Currency	GBX
Short Name	CHESRA
First Day Traded	08/07/2005
Industrial Sector	Life Insurance
Number of shares	115m

Key People

Peter Mason	Chairman
Peter Wright	Non Executive Director
Ken Romney	Financial Director
Graham Kettleborough	Director

Major Shareholders

Artemis Investment Management LLP	11.19%
Threadneedle Asset Management Ltd.	11.09%

Director Deals

Director	Date	Buy/Sell	Quantity	Price
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Income Statements £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Sales/Revenue	197.23	183.57	169.81	197.39	241.79
Premiums Earned	84.84	77.08	75.11	79.26	87.01
Total Investment Income	62.65	60.18	38.76	44.49	57.03
Realized Gains (Losses)	0	0	0	0	0
Other Operating Income	49.75	46.31	55.94	73.65	97.75
Losses, Claims & Reserves	169.76	-143.47	404.54	376.52	-117.24
Losses, Benefits & Adjustments	130.60	-39.70	209.50	200.41	45.43
Long Term Insurance Reserves	39.16	-103.77	195.04	176.12	-162.67
Selling, General & Administrative Expenses & Other	0.54	303.24	-254.97	-198.55	337.28
Selling, General & Administrative Expenses	17.29	14.81	21.12	44.19	48.47
Other Selling, General & Admin. Expense	15.96	13.63	14.63	24.38	24.66
Underwriting & Commissions	1.34	1.17	6.49	19.81	23.81
Other Operating Expense	-16.75	288.43	-276.08	-242.74	288.81
Operating Income Before Interest Expense	26.94	23.80	20.23	19.41	21.76
Interest Expense, Net of Interest Capitalized	1.09	0.75	0.67	1.28	3.39
Interest Expense (excl. Interest Capitalized)	1.09	0.75	0.67	1.28	3.39
Interest Capitalized	0	0	0	0	0
Operating Income After Interest Expense	25.85	23.05	19.57	18.13	18.37
Non-Operating Income (Expense)	0	0	0.19	0.60	-0.15
Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	0	0	0.19	0.60	-0.15
Equity in Affiliates (Pretax)	0	0	0	0	0
Reserves Increase (Decrease)	0	0	0	0	0
Unusual Expense	-1.87	0.32	-24.98	-15.44	-4.20
Pretax Income	27.72	22.73	44.74	34.17	22.42
Income Taxes	2.28	2.71	-1.19	4.47	-3.24
Income Tax - Current - Domestic	4.38	3.03	-1.13	6.13	1.57
Income Tax - Current - Foreign	0	0.73	1.12	0.44	0.31
Income Tax - Deferred - Domestic	-2.10	-1.05	-1.18	-2.10	-5.12
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	0	0	-0.01	-0.12	0
Equity in Affiliates	0	0	0	0	0
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	25.44	20.02	45.94	29.82	25.67
Extraordinaries & Discontinued Operations	0	0	0	0	0
Extra Items & Gain/Loss Sale Of Assets	0	0	0	0	0
Cumulative Effect - Accounting Chg	0	0	0	0	0
Discontinued Operations	0	0	0	0	0
Net Income After Extraordinaries	25.44	20.02	45.94	29.82	25.67
Preferred Dividends	0	0	0	0	0
Net Inc. Avail. To Common - Basic	25.44	20.02	45.94	29.82	25.67
Operational EPS	23.07	19.46	28.04	18.52	19.78
EPS (basic)	24.32	19.24	45.26	29.05	22.35
EPS (diluted)	24.32	19.24	45.26	29.05	22.35

Balance Sheet £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Cash Only	120.84	142.12	122.35	148.99	122.42
Total Investment Assets	207.73	171.78	1,083.34	1,863.98	645.01
Total Fixed Income Securities Investment	162.73	149.59	129.60	196.08	217.37
Bonds	162.73	149.59	129.60	196.08	217.37
Redeemable Preferred Stock	0	0	0	0	0
Total Equity Securities Investment	3.57	0.01	0.01	0.01	0.01
Common Stocks	3.57	0.01	0.01	0.01	0.01
Non-Redeemable Preferred Stock	0	0	0	0	0
Real Estate Assets	0.50	0.50	0.48	0.45	0.45
Mortgage, Policy & Other Loans	0	0	0	0	0
Other Investments	40.94	21.69	953.26	1,667.44	427.19
Premium Balance Receivables	2.39	1.97	6.61	6.10	6.52
Net Property, Plant & Equipment	0	0	0.49	0.67	0.39
Investment in Unconsolidated Subs.	0	0	1.05	1.78	1.61
Other Assets (incl. Intangibles)	1,492.92	1,176.90	1,464.63	2,538.12	3,447.55
Separate & Variable Account Assets	1,438.30	1,129.15	1,302.73	2,339.67	3,261.06
Deferred Charges	9.54	8.59	9.33	3.87	3.20
Tangible Other Assets	45.08	10.68	59.36	77.01	71.23
Intangible Assets	0	28.48	93.21	117.57	112.07
Total Assets	1,828.29	1,496.67	2,678.47	4,559.64	4,223.50
Insurance Policy Liabilities (Insurance)	210.26	194.79	1,091.25	2,785.67	599.16
Insurance Reserves - (Insurance)	194.06	176.82	1,072.90	2,760.35	573.04
Unearned Premiums	0	0	0	0	0
Policy Claims	16.19	17.97	18.35	25.32	26.12
Other Insurance Liabilities	0	0	0	0	0
Total Debt	13.70	9.41	31.07	49.59	42.28
ST Debt & Current Portion of LTD	5.36	5.22	14.55	0	0
Short Term Debt	1.23	1.06	2.08	0	0
Current Portion of LT Debt	4.13	4.17	12.47	0	0
Long-Term Debt	8.34	4.19	16.52	49.59	42.28
LT Debt excl. Capital Lease Obligations	8.34	4.19	16.52	49.59	42.28
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	3.58	3.40	1.45	1.82	3.83
Deferred Taxes	11.85	10.80	10.37	0	0
Deferred Taxes - Credit	16.25	14.70	0	0	0
Deferred Taxes - Debit	-4.41	-3.90	0	0	0
Accumulated Minority Interest	0	0	0.01	0	0
Other Liabilities	1,458.72	1,148.01	1,394.93	1,519.29	3,369.04
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	1,438.64	1,148.01	1,394.93	1,519.29	3,369.04
Deferred Income	20.08	0	0	0	0
Total Liabilities	1,702.51	1,370.30	2,518.70	4,356.37	4,014.31
Non-Equity Reserves	0	0	0	0	0
Preferred Stock (Carrying Value)	0	0	0	0	0
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	0	0	0	0	0
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	125.78	126.37	159.76	203.27	209.19
Common Stock Par/Carry Value	41.50	41.50	41.50	42.02	42.02
Additional Paid-In Capital/Capital Surplus	20.46	20.46	20.46	42.52	42.52
Retained Earnings	63.78	67.74	97.74	111.22	117.88
ESOP Debt Guarantee	0	0	0	0	0
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	0	0	0	0	6.93
Revaluation Reserves	0	0	0	0	0
Other Appropriated Reserves	0.05	0.05	3.43	7.72	0.05
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	-3.38	-3.38	-0.22	-0.22
Total Shareholders' Equity	125.78	126.37	159.76	203.27	209.19
Liabilities & Shareholders' Equity	1,828.29	1,496.67	2,678.47	4,559.64	4,223.50

Cash Flow £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	-59.21	-8.98	-10.41	44.67	31.81
Extraordinaries	0	0	0	0	0
Changes in Working Capital	0	0	0	0	0
Net Operating Cash Flow	-59.21	-8.98	-10.41	44.67	31.81
Capital Expenditures	0	0	1.10	2.84	1.97
Capital Expenditures (Fixed Assets)	0	0	0.18	0.30	0
Capital Expenditures (Other Assets)	0	0	0.92	2.54	1.97
Net Assets from Acquisitions	0	0	-5.94	-46.48	0
Sale of Fixed Assets & Businesses	0	0	0	0	0.06
Purchase/Sale of Investments	0	0	-0.33	-0.04	0
Purchase of Investments	0	0	-0.33	-0.04	0
Sale/Maturity of Investments	0	0	0	0	0
Other Uses	0	0	0	0	0
Other Sources	0	0	0	0	0
Net Investing Cash Flow	0	0	-7.38	-49.36	-1.91
Cash Dividends Paid - Total	-13.91	-16.05	-15.93	-16.34	-19.01
Common Dividends	-13.91	-16.05	-15.93	-16.34	-19.01
Preferred Dividends	0	0	0	0	0
Change in Capital Stock	0	-3.38	0	25.75	0
Repurchase of Common & Preferred Stk.	0	-3.38	0	0	0
Sale of Common & Preferred Stock	0	0	0	25.75	0
Proceeds from Stock Options	0	0	0	25.75	0
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	-2.97	-4.07	-6.98	32.76	-7.51
Change in Current Debt	1.23	0.14	-1.22	0	0
Change in Long-Term Debt	-4.20	-4.20	-5.76	32.76	-7.51
Issuance of Long-Term Debt	0	0	0	40	0
Reduction in Long-Term Debt	-4.20	-4.20	-5.76	-7.24	-7.51
Other Funds	0	0	0	0	0
Other Uses	0	0	0	0	0
Other Sources	0	0	0	0	0
Net Financing Cash Flow	-16.88	-23.50	-22.91	42.17	-26.52
Exchange Rate Effect	0	0	1.12	1.57	-0.28
Miscellaneous Funds	0.00	0.00	0.00	0.00	-0.00
Net Change in Cash	-76.09	-32.48	-39.58	39.05	3.11
Free Cash Flow	-73.12	-25.03	-26.52	28.03	12.80

Analysis Data

	2007	2008	2009	2010	2011
Fiscal Year End	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31
Valuation
Market Capitalisation	174.66	134.73	198.93	270.47	201.85
Price/Earnings	6.87	6.90	4.33	8.11	7.86
Price/Sales	0.89	0.75	1.17	1.22	0.83
Price/Book Value	1.39	1.07	1.25	1.33	0.96
Price/Cash Flow	0	0	0	5.41	6.35
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	0.96	0.80	1.35	1.48	1.01
Total Debt/Enterprise Value	0.07	0.06	0.14	0.17	0.17
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	24.32	19.24	45.26	29.05	22.35
EPS (diluted) as stated	24.32	19.24	45.26	29.05	22.35
Profitability
Operating Margin (%)	13.66	12.97	11.92	9.83	9.00
Pretax Margin (%)	14.05	12.38	26.35	17.31	9.27
Net Margin (%)	12.90	10.90	27.05	15.11	10.61
Return on Assets (%)	1.36	1.20	2.20	0.82	0.58
Return on Equity (%)	21.20	15.88	32.11	16.43	12.44
Return on Avg. Total Capital (%)	18.82	14.54	28.13	13.44	10.18
Return on Avg. Invested Capital (%)	19.50	15.13	29.94	13.90	10.18
Efficiency
Revenue/Employee	6.57	7.65	3.33	1.32	1.55
Total Asset Turnover	0.11	0.11	0.08	0.05	0.06
Capital Structure
Debt-to-Total Equity (%)	10.89	7.45	19.45	24.39	20.21
Debt-to-Total Capital (%)	9.82	6.93	16.28	0.00	0.00
Debt-to-Total Assets (%)	0.75	0.63	1.16	1.09	1.00
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,338.38(c)	-1.24%
FTSE 250	10,592.94(c)	-0.77%
DOW INDUSTRIALS	12,503.57	-0.75%
HONG KONG HANG SENG INDIC	19,200.93	+0.00%
Nikkei 225	8,876.59(c)	+0.00%

Name	Latest	Var
RANDGOLD RES.	4,855.00(c)	+4.63%
ICAP	342.00(c)	+1.63%
NATIONAL GRID	675.00(c)	+1.43%
ANTOFAGASTA	1,026.00(c)	+1.38%
CENTRICA	311.90(c)	+1.10%

Name	Latest	Var
INTL. CONS. AIR GRP	143.50(c)	-6.02%
AVIVA	267.70(c)	-4.70%
GKN	184.30(c)	-4.21%
HARGREAVES LANS	480.70(c)	-4.15%
MAN GROUP	78.55(c)	-4.09%

Buys

Name	Latest	Var
AVIVA	267.70(c)	-4.70%
LAMPRELL	128.50(c)	+1.18%
RED EMPEROR RES	18.00(c)	-41.46%
LLOYDS GRP.	27.65(c)	-3.56%
RANGE RES.	7.25(c)	-16.47%

Sells

Name	Latest	Var
RED EMPEROR RES	18.00(c)	-41.46%
RANGE RES.	7.25(c)	-16.47%
BP	396.65(c)	-0.75%
AVIVA	267.70(c)	-4.70%
VODAFONE GRP.	165.90(c)	-1.19%

Selftrade is a trading name and Selftrade® a registered trademark of Talos Securities Limited, which is authorised and regulated by the Financial Services Authority (FSA Register number 208271) and is a member of the London Stock Exchange and PLUS Markets. Talos Securities Ltd is incorporated in England and Wales (Registration No. 4196325, Registered Address: Boatman's House, 2 Selsdon Way, London E14 9LA). VAT No. 629 2807 22.

Data: include Bondscape, Dow Jones, Factset, FTSE, Morningstar. Conditions may apply.

CHESNARA

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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