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Altman Z-score (Last Annual Report)

Altman Z Score (MRAR)

A ratio that measures a company's bankruptcy risk. The ratio can only be calculated for industrial companies and not banks, insurance and investment companies. Values under 1.75 indicate that the company has an extremely high bankruptcy risk. The investment risk is therefore extremely high. Values between 1.75 and 5.65 indicate that the company has a high bankruptcy risk. The investment risk is therefore high. Values between 5.65 and 8.15 indicate that the company has a medium to low bankruptcy risk. The investment risk is therefore medium to low. Values above 8.15 indicate that the company has low to very low bankruptcy risk. The investment risk is therefore low to very low. The ratio's underlying model has historically predicted bankruptcies with 72%-80% reliability.

Asset Turnover (Last Annual Report)

Asset Turnover (MRAR)

Asset turnover measures a company's efficiency at using its assets in generating sales. The higher the number the better. It also indicates pricing strategy, companies with low profit margins tend to have high asset turnover, while those with high profit margins have low asset turnover.

Assets

A company's assets are its cash, receivables, inventory, property, plant and equipment, trademarks, goodwill and patents etc. The accounting definition of assets are; An asset is a resource controlled by the enterprise as a result of past events and from which future economic benefits are expected to flow to the enterprise.

Balance Technical Account General

Earned premiums less incurred claims (both adjusted for reinsurance as appropriate) less expenses (with an allowance for deferred acquisition costs as appropriate), plus any change in the statutory equalisation reserves (as appropriate). Some of the investment income earned may be included in the technical account, or it may all be included in the nontechnical account.

Balance Technical Account Life

Bookvalue per Share (Last Quarter Report)

BVPS (MRQ)

Measure accounting book value per share (equity per share). While book value of equity per share is one factor that investors can use to determine whether a stock is undervalued, this metric should not be used by itself as it only presents a very limited view of the company's situation

Cashflow From Financing

CF From Financing

A category in the cash flow statement that accounts for external activities such as issuing cash dividends, adding or changing loans, or issuing and selling more stock.

Cashflow From Investing

CF From Investing

When analyzing a company's cash flow statement, it is important to consider each of the various sections which contribute to the overall change in cash position. In many cases, a firm may have negative overall cash flow for a given quarter, but if the company can generate positive cash flow from its business operations, the negative overall cash flow may be a result of heavy investment expenditures, which is not necessarily a bad thing.

Cashflow From Operating

CF From Operating

Operating cash flow is the cash that a company generates through running its business. It is arguably a better measure of a business's profits than earnings because a company can show positive net earnings (on the income statement) and still not be able to pay its debts. It is cash flow that reduce accounts payable.

Contingent Liabilities

Contingent liabilities are liabilities that may or may not be incurred by a company and which depend on the outcome of a forthcoming event. These are recorded in a company's accounts as contingent liabilities under accounts payable. Such liabilities are not shown in balance sheet, usually a foot note is appended at the balance sheet for such liability

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Current Assets

A balance sheet account that represents the value of all assets that are reasonably expected to be converted into cash within one year in the normal course of business. Current assets include cash, accounts receivable, inventory, marketable securities, prepaid expenses and other liquid assets that can be readily converted to cash.

Current Liabilities

A company's debts or obligations that are due within one year. Current liabilities appear on the company's balance sheet and include short term debt, accounts payable, accrued liabilities and other debts.

Current Ratio (Last Quarter)

Cur. Ratio (MRQ)

The ratio measure the company's ability to pay back its short-term liabilities (debt and payables) with its short-term assets (cash, inventory, receivables). The higher the current ratio, the more capable the company is of paying its obligations.

Days for inventory (Last Annual Report)

Days Sales in Inventory (MRAR)

A financial measure of a company's performance that gives investors an idea of how long it takes a company to turn its inventory into sales. Generally a lower figure is better, but it is important to note that the average figure varies from one industry to another.

Days for receivables (Last Annual Report)

Days Sales in Receivables (MRAR)

A measure of the average number of days that a company takes to collect revenue after a sale has been made. Due to the high importance of cash in running a business, it is in a company's best interest to collect outstanding receivables as quickly as possible.

Deposits And Borrowings

Deposits accounts are a current account at a banking institution that allows money to be deposited and withdrawn by the account holder. The account holder retains rights to have their funds repaid on demand, although restrictions placed on access depend upon the terms and conditions of the account and the provider. This is very different from a loan since loans can not be canceled on demand.

Depriciation and Amortization

DA

In accounting, depreciation is an expense recorded to allocate a tangible asset's cost over its useful life. Amortization is deduction of capital expenses over a specific period of time (usually over the asset's life). More specifically, this method measures the consumption of the value of intangible assets, such as a patent or a copyright.

Discontinued Operations

Operations that was part of the business, but have been discontinued or sold.

Dividend 5 Year Growth Rate

Div. 5 Yr Growth Rate (MRAR)

Measure the annual growth rate in dividend. A high dividend growth rate can indicate a healthy company.

Dividend Yield (Last Annual Report)

Div Yld (MRAR)

A financial ratio that measure a company's dividend over share price. In the absence of any capital gains, the dividend yield is the return on investment for a stock.

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Dividend Yield 5 Year Average

Dividend Yield 5Y Avg

Is the average of 5 years dividend yield and give you an idea of the historical average dividend yield.

EBITDA

EBITDA is an acronym for earnings before interest, taxes, depreciation and amortization. EBITDA can be used to analyze the profitability between companies and industries. Because it eliminates the effects of financing and accounting decisions, EBITDA can provide a relatively good comparison. EBITDA is a good metric to evaluate profitability but not cash flow.

EBITDA Margin (Last Annual Report)

EBITDA Margin (MRAR)

The ratio shows how much is left before Interest, Tax, Depreciation and Amortization. Items that not directly is part of the cash flow from operation.

EBITDA Margin (Last Quarter Report)

EBITDA Margin (MRQ)

The ratio shows how much is left before Interest, Tax, Depreciation and Amortization. Items that not directly is part of the cash flow from operation.

EBITDA Margin 5 Year Average

EBITDA Margin 5Y Avg

The ratio shows how much is left before Interest, Tax, Depreciation and Amortization. Items that not directly is part of the cash flow from operation.

EPS Diluted Adjusted (Last Annual Report)

EPS Dil Adj (MRAR)

Is earnings per share diluted from share options and adjusted for extraordinary items, discontinued operations and accounting effects.

EV/EBIT (Last Annual Report)

EV/EBIT (MRAR)

Enterprise value divided by Earnings before interest and tax. EV / EBIT ratio indicates how many times the market values the operational result of the company. A low ratio suggests poorly efficient use of a company's resources, even if its profit margin is high

EV/EBITDA (Last Annual Report)

EV/EBITDA (MRAR)

EV/EBITDA is a valuation multiple that is often used in parallel with, or as an alternative to, the P/E ratio. An advantage is that, as its numerator includes the value of debt as well as equity, it is unaffected by a company's capital structure. Another one, for international comparisons for example, is that its denominator is not influenced by taxes.

Earned Premiums

Premiums earned on own account comprise gross premiums for the year adjusted for changes in the provisions for unearned premiums and net of reinsurance. Effectively, this means the premiums are being recognised in line with the distribution of risk over the period of cover.

Earnings Before Interest and Taxes

EBIT

EBIT is all profits before taking into account interest payments and income taxes. An important factor contributing to the widespread use of EBIT is the way in which it nulls the effects of the different capital structures and tax rates used by different companies.

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Earnings per Share (Last Annual Report)

EPS (MRAR)

Measure earnings per outstanding shares, which is the company's issued shares minus its own shares.

Earnings per Share (Last Quarter) vs One Year Ago

EPS (MRQ) vs 1 Yr

A ratio that measure the earnings growth rate from the last quarter over one year ago. Is useful to compare with industry or sector to see if the company grows earnings faster than its industry. If sales are growing and earnings do not, then it indicates lower gross or operating margin, higher financing cost or writedowns on assets. Comparing sales growth with earningsgrowth is useful in analysis this.

Earnings per Share 5 Year Growth Rate

EPS D 5Y GR

Measure the annual growth rate in earnings the last 5 year. Ideal to compare with the company's industry and sector to see if it grows faster. Compared to the broader market is also important to see if the company generates profits faster than the market. If not this might indicate that the stock would not keep up with price increases in the broader market.

Earnings per Share Diluted (Last Annual Report)

EPS D (MRAR)

Measure earnings per outstanding shares deducted for dilutive effects from share options, warrants and convertible bonds.

Effective Tax Rate (Last Annual Report)

Effective Tax Rate (MRAR)

Measure the amount of tax payed in percentage (latest annual report).

Effective Tax Rate (Last Quarter)

Effective Tax Rate (MRQ)

Measure the amount of tax payed in percentage (latest quarter).

Effective Tax Rate 5 Year Average

Effective Tax Rate 5Y Avg

Measure the effective tax rate on average over the last 5 years. Compared with last annual report's effective tax rate, this can tell whether the effective tax rate is increasing, declining or constant.

Enterprise Value (Last Annual Report)

EV (Mill. EUR)

Think of enterprise value as the theoretical takeover price. In the event of a buyout, an acquirer would have to take on the company's debt, but would pocket its cash. EV differs significantly from simple market capitalization in several ways, and many consider it to be a more accurate representation of a firm's value. The value of a firm's debt, for example, would need to be paid by the buyer when taking over a company, and thus EV provides a much more accurate takeover valuation because it includes debt in its value calculation.

Enterprise Value to Sales (Last Annual Report)

EV/Sales (MRAR)

Enterprise value divided by Sales, this indicates how much it would cost to buy the company's sales. Low figures is good, but it always important to measure it up against that of the industry.

Equity

In business accounting the shareholder equity is the company's assets minus all its liabilities. The equity will increase if the assets increase more than its liabilities.

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Gross Margin (Last Annual Report)

Gross Margin (MRAR)

A company's sales minus its cost of goods sold in the last annual report and indicate the margin after directly variable cost due to sales. The gross income is used to pay for fixed cost as administration, rent etc. If compared to the last quarter one can see whether the gross is increasing, declining or is steady.

Gross Margin (Last Quarter)

Gross Margin (MRQ)

A company's sales minus its cost of goods sold in the last quarter and indicate the margin after directly variable cost due to sales. The gross income is used to pay for fixed cost as administration, rent etc.

Gross Margin 5 Year Average

Gross Margin 5Y Avg

Measure the gross margin on average over the last 5 years. Compared with last annual report's gross margin, this can tell whether the gross margin is increasing, declining or constant.

Gross Premiums

Gross premiums are the revenues (premiums) received from the insurance contracts.

Gross Profit

This is revenue minus the variable cost

Income From Investment

Realised and unrealised gains on investments such as equities and bonds plus the dividend derived from equities.

Interest Coverage (Last Annual Report)

Interest Coverage (MRAR)

Measure how many times the operating income can pay interest charges from loan obligations. The ratio varies from industry to industry depending on how capital-intensive it is. It is useful to compare between companies in the same industry to see which are best at repaying interest charges with operating income.

Interest Coverage (Last Quarter)

Interest Coverage (MRQ)

Internal Growth Rate (Last Annual Report)

Internal Growth Rate (MRAR)

The highest level of growth achievable for a business without obtaining outside financing. In other words it measures the highest growth rate the retained earnings can generate. Growth rates above this rate would require the company to obtain external funding from e.g. banks and creditors (longer credit).

Inventory Turnover (Last Annual Report)

Inventory Turnover (MRAR)

A ratio showing how many times a company's inventory is sold and replaced over a period. This ratio should be compared against industry averages. A low turnover implies poor sales and, therefore, excess inventory. A high ratio implies either strong sales or ineffective buying. High inventory levels are unhealthy because they represent an investment with a rate of return of zero. It also opens the company up to trouble should prices begin to fall.

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Investment Assets

Is equity instruments, bonds, unit trust units, deposits in credit institutions and cash in banks at fair value.

Loan Losses

Credit loss expenses include impairment losses on and charges for loans and advances, amounts due from credit institutions and guarantees, and the fair value adjustment of the credit risk on mortgage loans.

Loans And Receivables

A financial asset with fixed or determinable repayments.

Long Term Debt

LT Debt

Loans and financial obligations lasting over one year.

Long Term Debt to Equity (Last Quarter)

LT Debt/Equity (MRQ)

A financial ratio that measure the long term debt over equity. A ratio over 1 indicate that outstanding long term debt is larger than shareholders' equity. Companies with too much long term debt will find themselves overwhelmed with interest payments, a risk of having too little working capital (current assets - current liabilities), and ultimately, bankruptcy.

MarketCap in Mill. EUR

Mkt Cap (Mill. EUR)

Is the market value of the company.

Net Income

A company's total earnings. Net income is calculated by taking revenues and adjusting for the cost of doing business, depreciation, interest, taxes and other expenses. This number is found on a company's income statement and is an important measure of how profitable the company is over a period of time.

Net Income excl. extra items

Net Income excl. items

Same as net income but excluding extra items such as extraordinary items, discontinued operations and cumulative effect from accounting.

Net Income per Employee (Last Annual Report) in EUR

Net Income/Employee (MRAR) EUR

A financial ratio that measure the company's ability to generate net income from its employees. Compared with industry or other companies in the same industry can indicate whether the company is effective.

Net Interest, Fee And Commission Income

Received less paid interest, fee and commission. Reflects the banks core earnings before trading income and other operating income.

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Net Profit Margin (Last Annual Report)

Net Profit Margin (MRAR)

Measure the net profit over revenue in latest annual report. It indicates how much out of every dollar of sales a company actually keeps in earnings. Profit margin is very useful when comparing companies in similar industries. A higher profit margin indicates a more profitable company that has better control over its costs compared to its competitors.

Net Profit Margin (Last Quarter)

Net Profit Margin (MRQ)

Measure the net profit over revenue in latest quarter. It indicates how much out of every dollar of sales a company actually keeps in earnings. Profit margin is very useful when comparing companies in similar industries. A higher profit margin indicates a more profitable company that has better control over its costs compared to its competitors.

Net Profit Margin 5 Year Average

Net Profit Margin 5Y Avg

Measure the net profit margin on average over the last 5 years. Compared with last annual report's net profit margin, this can tell whether the net profit margin is increasing, declining or constant.

Operating Margin (Last Annual Report)

EBIT Margin (MRAR)

Measure the company's last annual report profit in percentage after deduction of all operational expenses as cost of goods sold, administration, depreciation, amortization etc.

Operating Margin (Last Quarter)

EBIT Margin (MRQ)

Measure the company's profit in percentage after deduction of all operational expenses as cost of goods sold, administration, depreciation, amortization etc.

Operating Margin 5 Year Average

EBIT Margin 5Y Avg

Measure the operating margin on average over the last 5 years. Compared with last annual report's operating margin, this can tell whether the operating margin is increasing, declining or constant.

P/E Adjusted (Last Annual Report)

P/E Adj (MRAR)

Price/earnings based on the adjusted EPS figure. If one is not accounting for extraordinary items or discontinued operations a company's valuation can fool the investor to look more cheap than it really is.

Payout Ratio (Last Annual Report)

Payout Ratio (MRAR)

A financial ratio that measure how much of the year's profits are paid out to investors. A high ratio means that the company does not reinvest much of retained earnings in the business. This could indicate that the company does not need to invest much in its asset base.

Pre Tax Margin (Last Annual Report)

EBT Margin (MRAR)

Pre Tax Margin (Last Quarter)

EBT Margin (MRQ)

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Pre Tax Margin 5 Year Average

EBT Margin 5Y Avg

Measure the pre tax margin on average over the last 5 years. Compared with last annual report's pre tax margin, this can tell whether the pre tax margin is increasing, declining or constant.

Price/Book (Last Quarter)

P/B (MRQ)

A financial ratio used to compare a company's book value to its current market price. Book value is an accounting term denoting the portion of the company held by the shareholders (equity).P/B ratios do not, however, directly provide any information on the ability of the firm to generate profits or cash for shareholders.This ratio also gives some idea of whether an investor is paying too much for what would be left if the company went bankrupt immediately.

Price/Book adjusted (Last Quarter)

P/B Adj (MRQ)

A financial ratio similar to Price/Book but adjusted for intagible assets (goodwill, patents etc.) to reflect price to equity if the company's intangible assets had no value or was to be depriciated. Ratio to ensure no investor does not pay too much for a company given the probability for large depriciations of intangible assets.

Price/Cash Flow (Last Annual Report)

P/CF (MRAR)

Since this measure deals with cash flow, the effects of depreciation and other non-cash factors are removed. Similar to the price-earnings ratio, this measures provides an indication of relative value. Since accounting laws on depreciation vary across jurisdictions, the price to cash flow ratio can allow investors to assess foreign companies from the same industry.

Price/Earnings (Last Annual Report)

P/E (MRAR)

The P/E ratio (price-to-earnings ratio) of a stock is a measure of the price paid for a share relative to the income or profit earned by the firm per share

Price/Earnings last 3 years

P/E 3Y Avg

The measure of the price paid for a share relative to the 3 year average net income earned by the per share

Price/Earnings last 5 years

P/E 5Y Avg

The measure of the price paid for a share relative to the 5 year average net income earned by the per share

Price/Free Cash Flow (Last Annual Report)

P/FCF (MRAR)

This is similar to the valuation measure of price-to-cash flow but uses the stricter measure of free cash flow, which reduces operating cash flow by capital expenditures. This is done as companies need to maintain or expand their assets to either continue growing or maintain the current levels of free cash flow. In general, the higher this measure, the more expensive the company is considered.

Price/Sales (Last Annual Report)

P/S (MRAR)

It is calculated by dividing the company's market cap by the company's revenue. Vary greatly from sector to sector, so they are most useful in comparing similar stocks within a sector or sub-sector. Also, since sales are less easy to manipulate as compared to earnings, price-sales ratios are more indicative of performance as compared to price-earnings ratios.

Price/Tangible Book Value (Last Quarter)

P/TBV (MRQ)

Is calculated by dividing the company's market cap by tangible assets (buildings, lands, machines, long-term financial assets etc.). Can be used to compare values on tangible assets across sectors. Be aware that the ratio vary much from sector to sector and is best used in comparing companies in the same sector or industry group.

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Quick Ratio (Last Quarter)

Quick Ratio

The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. The higher the quick ratio, the better the position of the company. The quick ratio is more conservative than the current ratio, a more well-known liquidity measure, because it excludes inventory from current assets. Inventory is excluded because some companies have difficulty turning their inventory into cash. In the event that short-term obligations need to be paid off immediately, there are situations in which the current ratio would overestimate a company's short-term financial strength.

Receivables Turnover (Last Annual Report)

Receivables Turnover (MRAR)

A ratio measuring to quantify a company's effectiveness in extending credit as well as collecting debts. The receivables turnover ratio is an activity ratio, measuring how efficiently a company uses its assets.

Return on Assets (Last Annual Report)

ROA (MRAR)

An indicator of how profitable a company is relative to its total assets. Return on assets gives an idea as to how efficient management is at using its assets to generate earnings.

Return on Assets 5 Year Average

ROA 5Y Avg

Measure the return on assets on average over the last 5 years. Compared with last annual report's return on assets, this can tell whether the return on assets is increasing, declining or constant.

Return on Equity (Last Annual Report)

ROE (MRAR)

Measure the company's net income over equity. It indicates a company's profitability and how much profit it generates with the money shareholders have invested.

Return on Equity 5 Year Average

ROE 5Y Avg

Measure the return on equity on average over the last 5 years. Compared with last annual report's return on equity, this can tell whether the return on equity is increasing, declining or constant.

Revaluation

Is appreciations of the real estates to reflect the market value.

Revenue

Revenue is the amount of money that is brought into a company by its business activities. Revenue is calculated by multiplying the price at which goods or services are sold by the number of units or amount sold.

Revenue per Employee (Last Annual Report) in EUR

Revenue/Employee (MRAR) in EUR

A financial ratio that measure the company's ability to generate revenue from its employees. Compared with industry or other companies in the same industry can indicate whether the company is effective.

Sales 5 Year Growth Rate

Sales 5Y GR

Measure the annual growth rate in sales the last 5 year. Ideal to compare with the company's industry and sector to see if it grows faster.

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Sales Last Quarter Vs. One Year Ago

Sales (MRQ) vs 1 Yr

A ratio that measure the sales growth rate from the last quarter over one year ago. Is useful to compare with industry or sector to see if the company grows faster than its industry.

Sustainable Growth Rate (Last Annual Report)

Sustainable Growth Rate (MRAR)

The sustainable growth rate is a measure of how much a company can grow without increasing its financial leverage. After the company has passed this rate, it must borrow funds that are larger than retained earnings to facilitate higher growth rates.

Total Debt to Equity (Last Quarter)

Total Debt/Equity (MRQ)

A high debt/equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense. If a lot of debt is used to finance increased operations (high debt to equity), the company could potentially generate more earnings than it would have without this outside financing

Total Intangibles

Intangible Assets

Intangible assets are defined as those non-monetary assets that cannot be seen, touched or physically measured. There are two primary forms of intangibles - legal intangibles such as, copyrights, patents, trademarks, and goodwill) and competitive intangibles such as knowledge, collaboration activities and structural activities.

Total Operating Expenses

Costs of back-office and other administrative activities. Does not include loan losses.

Total Operating Income

Net interest and commission income plus trading income and other operating income such as insurance activities.

Total Revenue

Total Revenue is the total amount of money that is brought into a company by its business activities. Revenue is calculated by multiplying the price at which goods or services are sold by the number of units or amount sold.

Total Technical Provisions

The present value of expected future benefits and costs minus premiums and investment income. Also included are provisions for premiums receipts and for claims payments that are settled in another reporting period.