Details for (RSA) / Market data / Selftrade

RSA INS.

(RSA GB0006616899 GBX)

Value 98.450

Change Today -0.25

Updated21/05 08:18

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PROFILE

Registered Number	2339826
Registered Address	9th Floor One Plantation Place 30 Fenchurch Street London EC3M 3BD
Phone Number	+44 (0) 207 1117000
Fax Number
Website	http://www.rsagroup.com
Activities	Provides personal and commercial general insurance services
Country of Register	GB
Currency	GBX
Short Name	RSA INS.
First Day Traded	24/11/2003
Industrial Sector	Property & Casualty Insure
Number of shares	3.53b

Key People

John Napier	Chairman
Andrew Haste	Chief Executive Officer
Malcolm May	Non Executive Director
Simon Lee	Director
John Maxwell	Non Executive Director
Johanna Waterous	Non Executive Director
Edward Lea	Non Executive Director
George Culmer	Financial Director
Adrian Brown	Director

Major Shareholders

BlackRock Investment Management (UK) Ltd.	5.33%
Schroder Investment Management Ltd.	4.84%

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	6,467	7,238	7,513	7,899	8,736
Premiums Earned	5,607	6,358	6,753	7,179	7,856
Total Investment Income	584	626	602	536	545
Realized Gains (Losses)	162	150	69	68	201
Other Operating Income	114	104	89	116	134
Losses, Claims & Reserves	3,738	4,234	4,487	4,978	5,307
Losses, Benefits & Adjustments	3,738	4,234	4,487	4,884	5,213
Long Term Insurance Reserves	0	0	0	94	94
Selling, General & Administrative Expenses & Other	1,891	1,981	2,208	2,324	2,540
Selling, General & Administrative Expenses	1,789	1,910	2,071	2,275	2,492
Other Selling, General & Admin. Expense	83	76	87	104	93
Underwriting & Commissions	1,706	1,834	1,984	2,171	2,399
Other Operating Expense	102	71	137	49	48
Operating Income Before Interest Expense	838	1,023	818	597	889
Interest Expense, Net of Interest Capitalized	104	108	116	118	117
Interest Expense (excl. Interest Capitalized)	104	108	116	118	117
Interest Capitalized	0	0	0	0	0
Operating Income After Interest Expense	734	915	702	479	772
Non-Operating Income (Expense)	-19	21	7	18	-8
Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	-19	21	7	18	-8
Equity in Affiliates (Pretax)	0	0	0	0	0
Reserves Increase (Decrease)	0	0	0	0	0
Unusual Expense	45	159	137	18	142
Pretax Income	670	777	572	479	622
Income Taxes	29	173	135	119	186
Income Tax - Current - Domestic	168	240	119	149	155
Income Tax - Current - Foreign	0	0	0	0	0
Income Tax - Deferred - Domestic	-139	-67	16	-30	31
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	32	12	1	9	1
Equity in Affiliates	0	-18	-18	-5	-9
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	609	574	418	346	426
Extraordinaries & Discontinued Operations	-13	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	-13	0	0	0	0
Net Income After Extraordinaries	596	574	418	346	426
Preferred Dividends	9	9	9	9	9
Net Inc. Avail. To Common - Basic	600	565	409	337	417
Operational EPS	20.05	20.33	14.92	10.09	14.58
EPS (basic)	18.90	17.30	12.20	9.80	11.90
EPS (diluted)	19.05	16.98	12.09	9.73	11.78

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	1,509	1,614	1,105	1,317	1,258
Total Investment Assets	11,802	13,353	13,438	13,501	13,259
Total Fixed Income Securities Investment	9,581	11,642	11,508	11,435	11,674
Bonds	9,581	11,642	11,508	11,435	11,674
Redeemable Preferred Stock	0	0	0	0	0
Total Equity Securities Investment	1,487	940	1,252	1,550	1,060
Common Stocks	1,487	940	1,252	1,550	1,060
Non-Redeemable Preferred Stock	0	0	0	0	0
Real Estate Assets	429	487	516	374	362
Mortgage, Policy & Other Loans	0	0	0	113	104
Other Investments	305	284	162	29	59
Premium Balance Receivables	2,579	2,890	2,812	3,137	3,328
Net Property, Plant & Equipment	377	187	159	287	275
Investment in Unconsolidated Subs.	105	123	31	38	29
Other Assets (incl. Intangibles)	2,262	2,799	2,493	1,968	2,127
Separate & Variable Account Assets	0	0	0	0	0
Deferred Charges	967	1,432	871	200	199
Tangible Other Assets	632	623	653	559	569
Intangible Assets	663	744	969	1,209	1,359
Total Assets	18,721	21,108	20,246	20,452	20,525
Insurance Policy Liabilities (Insurance)	11,855	13,296	12,656	12,500	12,726
Insurance Reserves - (Insurance)	0	0	0	0	0
Unearned Premiums	3,168	3,576	3,537	3,147	3,367
Policy Claims	8,687	9,720	9,119	9,341	9,326
Other Insurance Liabilities	0	0	0	12	33
Total Debt	1,497	1,611	1,612	1,613	1,611
ST Debt & Current Portion of LTD	302	298	294	297	298
Short Term Debt	0	0	0	0	0
Current Portion of LT Debt	302	298	294	297	298
Long-Term Debt	1,195	1,313	1,318	1,316	1,313
LT Debt excl. Capital Lease Obligations	1,195	1,313	1,318	1,316	1,313
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	331	240	542	389	389
Deferred Taxes	137	96	-151	-162	-147
Deferred Taxes - Credit	224	238	57	42	102
Deferred Taxes - Debit	-87	-142	-208	-204	-249
Accumulated Minority Interest	67	81	97	129	114
Other Liabilities	1,670	1,803	1,791	2,013	1,782
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	1,670	1,803	1,791	1,608	1,337
Deferred Income	0	0	0	405	445
Total Liabilities	15,577	17,188	16,658	16,557	16,610
Non-Equity Reserves	0	0	0	0	0
Preferred Stock (Carrying Value)	125	125	125	125	125
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	125	125	125	125	125
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	2,952	3,714	3,366	3,641	3,676
Common Stock Par/Carry Value	895	915	941	962	971
Additional Paid-In Capital/Capital Surplus	943	1,007	1,074	1,124	1,144
Retained Earnings	675	1,206	710	817	857
ESOP Debt Guarantee	-38	-10	-3	-2	-1
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	47	364	259	299	243
Revaluation Reserves	422	224	377	433	454
Other Appropriated Reserves	8	8	8	8	8
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	3,077	3,839	3,491	3,766	3,801
Liabilities & Shareholders' Equity	18,721	21,108	20,246	20,452	20,525

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	303	527	301	296	303
Extraordinaries	0	0	0	0	0
Changes in Working Capital	0	0	0	0	0
Net Operating Cash Flow	303	527	301	296	303
Capital Expenditures	94	136	135	164	196
Capital Expenditures (Fixed Assets)	28	64	37	31	37
Capital Expenditures (Other Assets)	66	72	98	133	159
Net Assets from Acquisitions	-52	-25	-100	-160	-299
Sale of Fixed Assets & Businesses	-381	20	7	0	14
Purchase/Sale of Investments	-238	-305	-367	439	463
Purchase of Investments	-8,950	-5,570	-4,398	-3,759	-3,986
Sale/Maturity of Investments	8,712	5,265	4,031	4,198	4,449
Other Uses	0	0	0	0	0
Other Sources	84	0	0	0	0
Net Investing Cash Flow	-681	-446	-595	115	-18
Cash Dividends Paid - Total	-111	-181	-195	-246	-303
Common Dividends	-102	-172	-186	-237	-294
Preferred Dividends	-9	-9	-9	-9	-9
Change in Capital Stock	-312	19	11	27	4
Repurchase of Common & Preferred Stk.	-616	0	0	0	0
Sale of Common & Preferred Stock	304	19	11	27	4
Proceeds from Stock Options	295	19	11	27	4
Other Proceeds from Sale of Stock	9	0	0	0	0
Issuance/Reduction of Debt, Net	268	-2	21	-1	1
Change in Current Debt	0	0	0	0	0
Change in Long-Term Debt	268	-2	21	-1	1
Issuance of Long-Term Debt	293	0	27	0	1
Reduction in Long-Term Debt	-25	-2	-6	-1	0
Other Funds	-31	-8	-3	-2	-18
Other Uses	-31	-8	-3	-2	-18
Other Sources	0	0	0	0	0
Net Financing Cash Flow	-186	-172	-166	-222	-316
Exchange Rate Effect	62	167	-49	20	-25
Miscellaneous Funds	0	0	0	0	0
Net Change in Cash	-502	76	-509	209	-56
Free Cash Flow	164	282	69	19	-37

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	4,820.88	4,597.95	4,124.73	4,376.93	3,714.63
Price/Earnings	7.84	7.98	9.89	12.78	8.84
Price/Sales	0.71	0.62	0.54	0.55	0.42
Price/Book Value	1.63	1.24	1.23	1.20	1.01
Price/Cash Flow	15.41	8.72	13.56	14.65	12.29
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	0.98	0.89	0.79	0.79	0.64
Total Debt/Enterprise Value	0.24	0.25	0.27	0.26	0.29
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	18.90	17.30	12.20	9.80	11.90
EPS (diluted) as stated	19.05	16.98	12.09	9.73	11.78
Profitability
Operating Margin (%)	12.96	14.13	10.89	7.56	10.18
Pretax Margin (%)	10.36	10.74	7.61	6.06	7.12
Net Margin (%)	9.42	7.93	5.56	4.38	4.88
Return on Assets (%)	3.09	2.88	2.02	1.70	2.08
Return on Equity (%)	21.60	16.60	11.41	9.54	11.26
Return on Avg. Total Capital (%)	14.61	11.45	7.92	6.60	7.90
Return on Avg. Invested Capital (%)	15.17	12.18	8.39	7.00	8.36
Efficiency
Revenue/Employee	0.29	0.32	0.33	0.36	0.38
Total Asset Turnover	0.33	0.36	0.36	0.39	0.43
Capital Structure
Debt-to-Total Equity (%)	48.65	41.96	46.18	42.83	42.38
Debt-to-Total Capital (%)	32.73	29.56	31.59	29.99	29.77
Debt-to-Total Assets (%)	8.00	7.63	7.96	7.89	7.85
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,282.93	+0.29%
FTSE 250	10,449.94	+0.17%
DOW INDUSTRIALS	12,369.38(c)	-0.59%
HONG KONG HANG SENG INDIC	18,898.48	-0.28%
Nikkei 225	8,633.89(c)	+0.26%

Name	Latest	Var
MAN GROUP	78.80	+4.65%
VEDANTA	989.50	+3.23%
IMI	870.00	+1.34%
REXAM	404.10	+1.28%
ARM HLDGS.	475.80	+1.23%

Name	Latest	Var
POLYMETAL INTL	789.50	-1.19%
SHIRE	1,896.00	-0.99%
TESCO	311.75	-0.62%
SAINSBURY(J)	291.40	-0.44%
RANDGOLD RES.	4,876.00	-0.37%

Buys

Name	Latest	Var
AVIVA	264.90(c)	-1.05%
RED EMPEROR RES	14.88(c)	-17.36%
LLOYDS GRP.	25.95(c)	-6.15%
BP	391.95(c)	-1.18%
VODAFONE GRP.	164.30(c)	-0.96%

Sells

Name	Latest	Var
LLOYDS GRP.	25.95(c)	-6.15%
RED EMPEROR RES	14.88(c)	-17.36%
PV CRYSTALOX	9.45(c)	+121.31%
BARCLAYS	176.10(c)	-3.19%
AVIVA	264.90(c)	-1.05%

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.

RSA INS.

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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