ClearView Wealth Limited Logo

ClearView Wealth Limited

CVW.AX

(2.2)
Stock Price

0,35 AUD

46.02% ROA

355.63% ROE

0.27x PER

Market Cap.

348.607.644,00 AUD

29.89% DER

5.98% Yield

317.69% NPM

ClearView Wealth Limited Stock Analysis

ClearView Wealth Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

ClearView Wealth Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.76x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (21%), which means it has a small amount of debt compared to the ownership it holds

3 ROE

The stock's ROE falls within an average range (2.35%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.43%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

6 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (8) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

ClearView Wealth Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

ClearView Wealth Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

ClearView Wealth Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

ClearView Wealth Limited Revenue
Year Revenue Growth
2005 9.730.000
2006 10.516.000 7.47%
2007 34.014.000 69.08%
2008 16.925.000 -100.97%
2009 10.990.000 -54%
2010 45.368.000 75.78%
2011 225.142.000 79.85%
2012 140.444.000 -60.31%
2013 291.811.000 51.87%
2014 270.743.000 -7.78%
2015 326.458.000 17.07%
2016 291.158.000 -12.12%
2017 395.935.000 26.46%
2018 413.402.000 4.23%
2019 453.837.000 8.91%
2020 286.491.000 -58.41%
2020 546.768.000 47.6%
2021 397.253.000 -37.64%
2022 361.536.000 -9.88%
2022 318.344.000 -13.57%
2023 312.468.000 -1.88%
2024 897.560.000 65.19%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

ClearView Wealth Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

ClearView Wealth Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 75.000
2006 75.000 0%
2007 1.425.000 94.74%
2008 2.884.000 50.59%
2009 3.889.000 25.84%
2010 10.810.000 64.02%
2011 41.983.000 74.25%
2012 44.250.000 5.12%
2013 53.554.000 17.37%
2014 60.080.000 10.86%
2015 80.778.000 25.62%
2016 84.786.000 4.73%
2017 92.307.000 8.15%
2018 99.406.000 7.14%
2019 104.996.000 5.32%
2020 104.012.000 -0.95%
2020 104.012.000 0%
2021 116.607.000 10.8%
2022 60.956.000 -91.3%
2022 103.495.000 41.1%
2023 81.395.000 -27.15%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

ClearView Wealth Limited EBITDA
Year EBITDA Growth
2005 10.651.000
2006 29.243.000 63.58%
2007 29.627.000 1.3%
2008 -48.019.000 161.7%
2009 -7.242.000 -563.06%
2010 10.070.000 171.92%
2011 22.495.000 55.23%
2012 44.626.000 49.59%
2013 -16.225.000 375.04%
2014 -15.653.000 -3.65%
2015 -30.226.000 48.21%
2016 -15.055.000 -100.77%
2017 -48.051.000 68.67%
2018 -55.733.000 13.78%
2019 -92.508.000 39.75%
2020 14.825.000 724%
2020 14.825.000 0%
2021 12.227.000 -21.25%
2022 78.224.000 84.37%
2022 31.203.000 -150.69%
2023 50.407.000 38.1%
2024 -7.148.000 805.19%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

ClearView Wealth Limited Gross Profit
Year Gross Profit Growth
2005 9.730.000
2006 10.516.000 7.47%
2007 34.014.000 69.08%
2008 16.925.000 -100.97%
2009 10.990.000 -54%
2010 45.368.000 75.78%
2011 225.142.000 79.85%
2012 140.444.000 -60.31%
2013 291.807.000 51.87%
2014 270.743.000 -7.78%
2015 326.458.000 17.07%
2016 56.311.000 -479.74%
2017 188.755.000 70.17%
2018 177.777.000 -6.18%
2019 200.856.000 11.49%
2020 286.491.000 29.89%
2020 219.413.000 -30.57%
2021 184.661.000 -18.82%
2022 229.116.004 19.4%
2022 93.728.000 -144.45%
2023 120.415.000 22.16%
2024 27.536.000 -337.3%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

ClearView Wealth Limited Net Profit
Year Net Profit Growth
2005 4.583.000
2006 20.977.000 78.15%
2007 20.325.000 -3.21%
2008 -42.661.000 147.64%
2009 -4.776.000 -793.24%
2010 8.031.000 159.47%
2011 8.665.000 7.32%
2012 22.336.000 61.21%
2013 1.876.000 -1090.62%
2014 13.880.000 86.48%
2015 12.572.000 -10.4%
2016 23.615.000 46.76%
2017 13.150.000 -79.58%
2018 26.596.000 50.56%
2019 3.959.000 -571.79%
2020 13.081.000 69.73%
2020 13.081.000 0%
2021 6.679.000 -95.85%
2022 16.896.000 60.47%
2022 9.439.000 -79%
2023 17.108.000 44.83%
2024 2.579.620.864 99.34%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

ClearView Wealth Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%
2024 4 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

ClearView Wealth Limited Free Cashflow
Year Free Cashflow Growth
2005 2.797.000
2006 -1.937.000 244.4%
2007 4.199.000 146.13%
2008 2.375.000 -76.8%
2009 3.175.000 25.2%
2010 -4.757.000 166.74%
2011 -103.275.000 95.39%
2012 -148.794.000 30.59%
2013 -160.962.000 7.56%
2014 -129.608.999 -24.19%
2015 -33.858.999 -282.79%
2016 -25.535.000 -32.6%
2017 -25.222.000 -1.24%
2018 4.031.000 725.7%
2019 -11.197.000 136%
2020 189.214.000 105.92%
2021 263.431.000 28.17%
2022 317.422.000 17.01%
2022 22.378.000 -1318.46%
2023 49.586.000 54.87%
2024 10.075.000 -392.17%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

ClearView Wealth Limited Operating Cashflow
Year Operating Cashflow Growth
2005 2.797.000
2006 -1.937.000 244.4%
2007 4.211.000 146%
2008 2.377.000 -77.16%
2009 3.188.000 25.44%
2010 -3.642.000 187.53%
2011 -102.844.000 96.46%
2012 -142.875.000 28.02%
2013 -158.109.000 9.64%
2014 -129.038.999 -22.53%
2015 -33.406.999 -286.26%
2016 -23.881.000 -39.89%
2017 -24.982.000 4.41%
2018 4.457.000 660.51%
2019 -10.798.000 141.28%
2020 191.542.000 105.64%
2021 269.135.000 28.83%
2022 330.002.000 18.44%
2022 22.620.000 -1358.89%
2023 62.799.000 63.98%
2024 17.370.000 -261.54%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

ClearView Wealth Limited Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 0 0%
2007 12.000 100%
2008 2.000 -500%
2009 13.000 84.62%
2010 1.115.000 98.83%
2011 431.000 -158.7%
2012 5.919.000 92.72%
2013 2.853.000 -107.47%
2014 570.000 -400.53%
2015 452.000 -26.11%
2016 1.654.000 72.67%
2017 240.000 -589.17%
2018 426.000 43.66%
2019 399.000 -6.77%
2020 2.328.000 82.86%
2021 5.704.000 59.19%
2022 12.580.000 54.66%
2022 242.000 -5098.35%
2023 13.213.000 98.17%
2024 7.295.000 -81.12%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

ClearView Wealth Limited Equity
Year Equity Growth
2005 232.782.000
2006 236.376.000 1.52%
2007 281.876.000 16.14%
2008 183.282.000 -53.79%
2009 102.555.000 -78.72%
2010 242.300.000 57.67%
2011 247.983.000 2.29%
2012 263.281.000 5.81%
2013 250.715.000 -5.01%
2014 640.840.000 60.88%
2015 336.833.000 -90.25%
2016 998.968.000 66.28%
2017 1.204.077.000 17.03%
2018 1.420.388.000 15.23%
2019 1.372.207.000 -3.51%
2020 1.286.813.000 -6.64%
2021 1.250.682.000 -2.89%
2022 1.126.710.000 -11%
2023 485.304.000 -132.17%
2024 353.162.000 -37.42%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

ClearView Wealth Limited Assets
Year Assets Growth
2005 241.737.000
2006 242.970.000 0.51%
2007 293.772.000 17.29%
2008 184.795.000 -58.97%
2009 107.154.000 -72.46%
2010 1.768.020.000 93.94%
2011 1.717.642.000 -2.93%
2012 1.546.086.000 -11.1%
2013 1.570.724.000 1.57%
2014 1.670.430.000 5.97%
2015 1.841.207.000 9.28%
2016 1.989.522.000 7.45%
2017 2.224.446.000 10.56%
2018 2.470.862.000 9.97%
2019 2.451.665.000 -0.78%
2020 2.520.085.000 2.71%
2021 2.799.665.000 9.99%
2022 2.571.078.000 -8.89%
2023 2.583.284.000 0.47%
2024 2.829.113.000 8.69%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

ClearView Wealth Limited Liabilities
Year Liabilities Growth
2005 8.955.000
2006 6.594.000 -35.81%
2007 11.896.000 44.57%
2008 1.513.000 -686.25%
2009 4.599.000 67.1%
2010 1.525.720.000 99.7%
2011 1.469.659.000 -3.81%
2012 1.282.805.000 -14.57%
2013 1.320.009.000 2.82%
2014 2.772.000 -47519.37%
2015 1.504.374.000 99.82%
2016 3.540.000 -42396.44%
2017 1.020.369.000 99.65%
2018 4.342.000 -23399.98%
2019 2.012.613.000 99.78%
2020 1.233.272.000 -63.19%
2021 1.548.983.000 20.38%
2022 1.444.368.000 -7.24%
2023 2.097.980.000 31.15%
2024 2.475.951.000 15.27%

ClearView Wealth Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.63
Net Income per Share
2
Price to Earning Ratio
0.27x
Price To Sales Ratio
0.86x
POCF Ratio
88.86
PFCF Ratio
-43.49
Price to Book Ratio
0.97
EV to Sales
0.94
EV Over EBITDA
249.2
EV to Operating CashFlow
98.79
EV to FreeCashFlow
-47.6
Earnings Yield
3.75
FreeCashFlow Yield
-0.02
Market Cap
0,35 Bil.
Enterprise Value
0,38 Bil.
Graham Number
4.98
Graham NetNet
-3.67

Income Statement Metrics

Net Income per Share
2
Income Quality
0.55
ROE
3.56
Return On Assets
0.45
Return On Capital Employed
-0
Net Income per EBT
-79848274285.71
EBT Per Ebit
0
Ebit per Revenue
-0.03
Effective Tax Rate
1

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.05
Operating Profit Margin
-0.03
Pretax Profit Margin
-0
Net Profit Margin
3.18

Dividends

Dividend Yield
0.06
Dividend Yield %
5.98
Payout Ratio
0.02
Dividend Per Share
0.03

Operating Metrics

Operating Cashflow per Share
0.01
Free CashFlow per Share
-0.01
Capex to Operating CashFlow
3.08
Capex to Revenue
0.03
Capex to Depreciation
0
Return on Invested Capital
0
Return on Tangible Assets
0.46
Days Sales Outstanding
23.25
Days Payables Outstanding
2.4
Days of Inventory on Hand
0
Receivables Turnover
15.7
Payables Turnover
151.85
Inventory Turnover
0
Capex per Share
0.02

Balance Sheet

Cash per Share
0,16
Book Value per Share
0,55
Tangible Book Value per Share
0.49
Shareholders Equity per Share
0.55
Interest Debt per Share
0.16
Debt to Equity
0.3
Debt to Assets
0.04
Net Debt to EBITDA
21.5
Current Ratio
40.03
Tangible Asset Value
0,32 Bil.
Net Current Asset Value
-2,37 Bil.
Invested Capital
139941000
Working Capital
0,10 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,03 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.3

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

ClearView Wealth Limited Dividends
Year Dividends Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

ClearView Wealth Limited Profile

About ClearView Wealth Limited

ClearView Wealth Limited provides life insurance, superannuation, and investments products and services in Australia. It operates through two segments, Life Insurance and Wealth Management. The Life Insurance segment provides life insurance protection products, including term life, permanent disability, trauma and critical illness benefits, child cover, accident covers, income protection, and business expense covers through financial advisers. The Wealth Management segment offers life investment contracts, including ordinary savings, superannuation, and allocated pension products; superannuation and retirement income wraps, and investor directed portfolio service wraps; and managed investment schemes. ClearView Wealth Limited was founded in 1976 and is headquartered in Sydney, Australia.

CEO
Ms. Nadine Gooderick B.Com.
Employee
0
Address
20 Bond Street
Sydney, 2000

ClearView Wealth Limited Executives & BODs

ClearView Wealth Limited Executives & BODs
# Name Age
1 Mr. Hicham Mourad
Chief Technology Officer
70
2 Ms. Joanne Faglioni
Group Executive of Operations
70
3 Nick Kulikov
Group Executive of Product & Pricing
70
4 Ms. Tanya Dawson
Chief People Officer
70
5 Ms. Kathryn Williamson
Head of Distribution Strategy
70
6 Ms. Vanessa Beresford
Manager of Investor Relations
70
7 Ms. Judilyn Beaumont L.L.B.
General Counsel, Chief Risk Officer & Company Secretary
70
8 Ms. Nadine Gooderick B.Com.
MD, Chief Executive Officer & Executive Director
70
9 Mr. Athol Chiert B.Acc., B.Com., C.A., CA (SA)
Chief Financial Officer
70

ClearView Wealth Limited Competitors