Grupo Catalana Occidente, S.A. Logo

Grupo Catalana Occidente, S.A.

GCO.MC

(3.5)
Stock Price

39,45 EUR

3.27% ROA

16.17% ROE

6.8x PER

Market Cap.

3.753.122.401,00 EUR

36.45% DER

3.32% Yield

10.5% NPM

Grupo Catalana Occidente, S.A. Stock Analysis

Grupo Catalana Occidente, S.A. 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.

Grupo Catalana Occidente, S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.36%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.78x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (4%), which means it has a small amount of debt compared to the ownership it holds

4 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

5 ROA

The stock's ROA (3.89%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (212), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

Grupo Catalana Occidente, S.A. 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.

Grupo Catalana Occidente, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Grupo Catalana Occidente, S.A. 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.

Grupo Catalana Occidente, S.A. Revenue
Year Revenue Growth
2004 1.701.097.000
2005 1.856.414.000 8.37%
2006 1.959.520.000 5.26%
2007 2.305.674.000 15.01%
2008 3.077.117.000 25.07%
2009 3.069.640.000 -0.24%
2010 2.411.508.000 -27.29%
2011 2.707.716.000 10.94%
2012 2.731.538.000 0.87%
2013 2.840.273.000 3.83%
2014 2.998.293.000 5.27%
2015 3.384.432.000 11.41%
2016 3.762.066.000 10.04%
2017 3.815.415.000 1.4%
2018 3.869.546.000 1.4%
2019 4.156.098.000 6.89%
2020 3.821.479.000 -8.76%
2021 4.555.953.000 16.12%
2022 4.494.451.000 -1.37%
2023 12.801.372.000 64.89%

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.

Grupo Catalana Occidente, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 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%
2021 0 0%
2022 0 0%
2023 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.

Grupo Catalana Occidente, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 5.509.000 100%
2012 6.989.000 21.18%
2013 5.328.000 -31.17%
2014 3.588.000 -48.49%
2015 15.094.000 76.23%
2016 16.667.000 9.44%
2017 16.266.000 -2.47%
2018 19.583.000 16.94%
2019 15.295.000 -28.04%
2020 12.034.000 -27.1%
2021 568.652.000 97.88%
2022 7.864.000 -7131.08%
2023 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.

Grupo Catalana Occidente, S.A. EBITDA
Year EBITDA Growth
2004 137.300.000
2005 194.948.000 29.57%
2006 246.225.000 20.83%
2007 291.395.000 15.5%
2008 127.183.000 -129.11%
2009 127.305.000 0.1%
2010 239.688.000 46.89%
2011 280.927.000 14.68%
2012 275.629.000 -1.92%
2013 299.114.000 7.85%
2014 355.796.000 15.93%
2015 387.385.000 8.15%
2016 403.858.000 4.08%
2017 458.108.000 11.84%
2018 488.512.000 6.22%
2019 259.418.000 -88.31%
2020 98.611.000 -163.07%
2021 349.927.000 71.82%
2022 641.195.000 45.43%
2023 54.236.000 -1082.23%

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.

Grupo Catalana Occidente, S.A. Gross Profit
Year Gross Profit Growth
2004 1.701.097.000
2005 1.856.414.000 8.37%
2006 1.959.520.000 5.26%
2007 2.305.674.000 15.01%
2008 3.077.117.000 25.07%
2009 3.069.640.000 -0.24%
2010 2.411.508.000 -27.29%
2011 2.707.716.000 10.94%
2012 2.731.538.000 0.87%
2013 2.840.273.000 3.83%
2014 2.998.293.000 5.27%
2015 3.384.432.000 11.41%
2016 3.762.066.000 10.04%
2017 3.815.415.000 1.4%
2018 3.869.546.000 1.4%
2019 4.156.098.000 6.89%
2020 3.821.479.000 -8.76%
2021 4.555.953.000 16.12%
2022 4.494.451.000 -1.37%
2023 12.801.372.000 64.89%

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.

Grupo Catalana Occidente, S.A. Net Profit
Year Net Profit Growth
2004 103.579.000
2005 137.591.000 24.72%
2006 191.389.000 28.11%
2007 291.395.000 34.32%
2008 104.448.000 -178.99%
2009 101.160.000 -3.25%
2010 181.270.000 44.19%
2011 210.477.000 13.88%
2012 200.101.000 -5.19%
2013 221.057.000 9.48%
2014 242.105.000 8.69%
2015 268.120.000 9.7%
2016 295.599.000 9.3%
2017 325.447.000 9.17%
2018 352.160.000 7.59%
2019 385.937.000 8.75%
2020 262.331.000 -47.12%
2021 427.227.000 38.6%
2022 486.568.000 12.2%
2023 401.572.000 -21.17%

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.

Grupo Catalana Occidente, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 4
2005 1 -300%
2006 2 0%
2007 2 0%
2008 1 0%
2009 1 0%
2010 2 100%
2011 2 0%
2012 2 0%
2013 2 0%
2014 2 50%
2015 2 0%
2016 3 0%
2017 3 0%
2018 3 0%
2019 3 33.33%
2020 2 -50%
2021 4 33.33%
2022 4 25%
2023 0 0%

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.

Grupo Catalana Occidente, S.A. Free Cashflow
Year Free Cashflow Growth
2004 355.221.000
2005 260.792.000 -36.21%
2006 150.230.000 -73.6%
2007 70.524.000 -113.02%
2008 57.887.000 -21.83%
2009 72.345.000 19.98%
2010 160.761.000 55%
2011 181.045.000 11.2%
2012 163.637.000 -10.64%
2013 180.307.000 9.25%
2014 209.189.000 13.81%
2015 232.154.000 9.89%
2016 232.193.000 0.02%
2017 254.369.000 8.72%
2018 264.548.000 3.85%
2019 433.994.000 39.04%
2020 411.099.000 -5.57%
2021 469.332.000 12.41%
2022 451.411.000 -3.97%

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.

Grupo Catalana Occidente, S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 186.740.000
2005 300.078.000 37.77%
2006 173.649.000 -72.81%
2007 70.524.000 -146.23%
2008 104.448.000 32.48%
2009 101.160.000 -3.25%
2010 181.270.000 44.19%
2011 210.477.000 13.88%
2012 200.101.000 -5.19%
2013 221.057.000 9.48%
2014 242.105.000 8.69%
2015 268.120.000 9.7%
2016 295.599.000 9.3%
2017 325.447.000 9.17%
2018 352.160.000 7.59%
2019 513.462.000 31.41%
2020 498.134.000 -3.08%
2021 548.939.000 9.26%
2022 486.568.000 -12.82%

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.

Grupo Catalana Occidente, S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 -168.481.000
2005 39.286.000 528.86%
2006 23.419.000 -67.75%
2007 0 0%
2008 46.561.000 100%
2009 28.815.000 -61.59%
2010 20.509.000 -40.5%
2011 29.432.000 30.32%
2012 36.464.000 19.28%
2013 40.750.000 10.52%
2014 32.916.000 -23.8%
2015 35.966.000 8.48%
2016 63.406.000 43.28%
2017 71.078.000 10.79%
2018 87.612.000 18.87%
2019 79.468.000 -10.25%
2020 87.035.000 8.69%
2021 79.607.000 -9.33%
2022 35.157.000 -126.43%

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.

Grupo Catalana Occidente, S.A. Equity
Year Equity Growth
2004 364.218.000
2005 721.224.000 49.5%
2006 902.728.000 20.11%
2007 998.604.000 9.6%
2008 913.914.000 -9.27%
2009 1.043.704.000 12.44%
2010 1.133.895.000 7.95%
2011 1.233.729.000 8.09%
2012 1.433.399.000 13.93%
2013 1.723.775.000 16.85%
2014 2.167.133.000 20.46%
2015 2.299.735.000 5.77%
2016 2.533.652.000 9.23%
2017 2.752.611.000 7.95%
2018 3.204.136.000 14.09%
2019 3.851.183.000 16.8%
2020 3.937.619.000 2.2%
2021 4.472.840.000 11.97%
2022 4.182.620.000 -6.94%
2023 4.720.100.000 11.39%

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.

Grupo Catalana Occidente, S.A. Assets
Year Assets Growth
2004 521.183.000
2005 985.591.000 47.12%
2006 1.343.218.000 26.62%
2007 6.628.096.000 79.73%
2008 9.893.255.000 33%
2009 10.003.473.000 1.1%
2010 9.252.182.000 -8.12%
2011 9.430.985.000 1.9%
2012 9.729.181.000 3.06%
2013 10.101.423.000 3.69%
2014 11.261.445.000 10.3%
2015 13.295.985.000 15.3%
2016 13.907.479.000 4.4%
2017 14.201.418.000 2.07%
2018 14.479.377.000 1.92%
2019 16.677.949.000 13.18%
2020 17.367.736.000 3.97%
2021 18.272.865.000 4.95%
2022 17.970.782.000 -1.68%
2023 19.201.600.000 6.41%

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.

Grupo Catalana Occidente, S.A. Liabilities
Year Liabilities Growth
2004 39.111.000
2005 39.040.000 -0.18%
2006 199.787.000 80.46%
2007 5.094.187.000 96.08%
2008 8.400.564.000 39.36%
2009 8.698.059.000 3.42%
2010 7.824.693.000 -11.16%
2011 7.903.357.000 1%
2012 8.052.730.000 1.85%
2013 8.120.585.000 0.84%
2014 8.823.839.000 7.97%
2015 10.710.138.000 17.61%
2016 11.072.780.000 3.28%
2017 11.122.814.000 0.45%
2018 11.275.241.000 1.35%
2019 12.826.766.000 12.1%
2020 13.430.117.000 4.49%
2021 13.800.025.000 2.68%
2022 13.788.162.000 -0.09%
2023 1.994.300.000 -591.38%

Grupo Catalana Occidente, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
38.38
Net Income per Share
4.68
Price to Earning Ratio
6.8x
Price To Sales Ratio
0.82x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.89
EV to Sales
0.86
EV Over EBITDA
5.71
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.15
FreeCashFlow Yield
0
Market Cap
3,75 Bil.
Enterprise Value
3,96 Bil.
Graham Number
61.27
Graham NetNet
-5.43

Income Statement Metrics

Net Income per Share
4.68
Income Quality
0
ROE
0.13
Return On Assets
0.04
Return On Capital Employed
0.03
Net Income per EBT
0.69
EBT Per Ebit
1.72
Ebit per Revenue
0.09
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.09
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.03
Dividend Yield %
3.32
Payout Ratio
0
Dividend Per Share
1.06

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.09
Return on Tangible Assets
0.03
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
11,29
Book Value per Share
35,67
Tangible Book Value per Share
126.48
Shareholders Equity per Share
35.67
Interest Debt per Share
13.07
Debt to Equity
0.36
Debt to Assets
0.08
Net Debt to EBITDA
0.3
Current Ratio
0
Tangible Asset Value
15,09 Bil.
Net Current Asset Value
-0,65 Bil.
Invested Capital
0.36
Working Capital
1,35 Bil.
Intangibles to Total Assets
0.11
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.41

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.

Grupo Catalana Occidente, S.A. Dividends
Year Dividends Growth
2000 46
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 0 0%
2008 0 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%

Grupo Catalana Occidente, S.A. Profile

About Grupo Catalana Occidente, S.A.

Grupo Catalana Occidente, S.A., together with its subsidiaries, provides insurance products and services worldwide. The company operates through Traditional Business and Credit Insurance Business segments. The company offers multi-risk products and services related to family home, stores, retail, blocks of flats, offices, and SMEs; life insurance products, such as risk, savings, pension plans, and investment funds, as well as funeral and health insurance; machinery breakdown; electrical equipment; and motor insurance. It also provides other insurance products, such as industrial products, accidents, transport, and third-party and civil liability; and credit and surety insurance, as well as reinsurance. In addition, the company is also involved in the real estate development business; and stock broking business. It markets its products primarily under the Seguros Catalana Occidente, Plus Ultra Seguros, Seguros Bilbao, NorteHispana Seguros, Crédito y Caución, Atradius, and Atradius Re brands. The company was formerly known as Catalana Occidente, Sociedad Anónima de Seguros y Reaseguros and changed its name to Grupo Catalana Occidente, S.A. in 2001. The company was incorporated in 1864 and is headquartered in Madrid, Spain. Grupo Catalana Occidente, S.A. is a subsidiary of INOC, S.A.

CEO
Mr. Hugo Serra Calderon
Employee
7.724
Address
Paseo de la Castellana 4
Madrid, 28046

Grupo Catalana Occidente, S.A. Executives & BODs

Grupo Catalana Occidente, S.A. Executives & BODs
# Name Age
1 Mr. Hugo Serra Calderon
Chief Executive Officer & Director
70
2 Mr. Jose Maria Serra Farre
Executive Chairman
70

Grupo Catalana Occidente, S.A. Competitors