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Chesnara

Financial Services Insurance - Life
PortfolioPortfolio WatchlistWatchlist
Company price
340.0 GBX 1.50 ( 0.44%)
Last update at 2026-10-27T16:35:00Z
VOLUME
309261
Market Cap
675.61M

Momentum Score

…

Chesnara plc, together with its subsidiaries, operates in life assurance and pension businesses primarily in the United Kingdom, Sweden, and the Netherlands. It underwrites life, health, accident, and disability cover by providing savings and pensions products to meet future financial needs; and provides a portfolio of investment contracts. The company also provides term life, unit-linked, index-linked, and non-linked business products. It distributes its products principally through independent financial advisers. Chesnara plc was incorporated in 2003 and is headquartered in Preston, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
335.00
Low
340.67
High
52 Week Price Range
201.21
Low
318.69
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Chesnara is a UK life and pensions group that acquires and manages closed books of in-force insurance and retirement policies to generate cash flow. Long-term growth may come from further closed-book acquisitions, active balance-sheet management and surplus conversion, which could appeal to investors seeking steady insurance cash generation.
Principal risks are interest-rate and investment-return sensitivity, longevity and mortality modelling uncertainty, regulatory and capital-rule changes, and execution risk on acquisitions and cost control.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
338.50
Dividend Yield
7.67%
Revenue TTM
342.80M
Revenue Per Share
1.67
Gross Profit TTM
180.20M
Debt / Equity
0.49
ROE
-2.37%
Net Debt
60.00M
ROCE
0.21%
Diluted EPS TTM
-0.05

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 18.80M 20.80M 1.70M -146.90M 28.81M
Net income -10.40M 3.90M 18.70M -98.33M 27.29M
Selling general administrative 28.10M 25.80M 32.80M 85.10M 67.92M
Gross profit 990.40M 1667.30M 1032.40M -1121.00M 1505.70M
Reconciled depreciation 18.30M 17.80M 18.70M 16.48M 11.11M
Ebit 30.20M 31.90M 12.70M -136.35M -17.76M
Ebitda 48.50M 49.70M 31.40M -119.87M -6.65M
Depreciation and amortization 18.30M 17.80M 18.70M 16.48M 11.11M
Operating income 18.80M 380.80M 1.70M -136.35M -17.76M
Other operating expenses 971.60M 1286.50M 1334.70M 974.10M 1476.88M
Interest expense 11.40M 11.10M 11.00M 10.55M 2.27M
Tax provision 29.20M 16.90M -16.90M -48.57M 1.52M
Interest income 35.00M 61.20M 50.40M 70.07M 45.48M
Net interest income -11.40M -11.10M -11.00M -10.55M -2.27M
Income tax expense 29.20M 16.90M -16.90M -48.57M 1.52M
Total revenue 990.40M 1667.30M 1032.40M -1121.00M 1505.70M
Total operating expenses 971.60M 1286.50M 1031.00M 984.65M -1523.45M
Cost of revenue - 7.70M 7.50M - -
Total other income expense net 0.00M -360.00M 0.10M -10.55M 46.57M
Net income from continuing ops -10.40M 3.90M 18.70M -98.33M 27.29M
Net income applicable to common shares - - - -98.33M 27.29M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 14576.00M 12755.10M 12129.80M 11353.35M 9687.00M
Intangible assets 8.50M 87.20M 96.40M 106.49M 58.83M
Other current assets - 423.30M 250.40M 73.14M 1413.57M
Total liab 14012.70M 12440.70M 11769.90M 11020.24M 9228.84M
Total stockholder equity 415.50M 314.40M 359.90M 333.12M 458.17M
Other current liab 44.70M 6865.70M 696.40M -198.56M -199.93M
Common stock 11.50M 7.50M 7.50M 7.50M 7.50M
Capital stock 11.50M 7.50M 7.50M 7.50M 7.50M
Retained earnings 119.90M 136.50M 167.10M 133.29M 265.05M
Other liab - - - 9981.70M 8334.92M
Other assets - 12755.10M 1.90M 1589.15M 1413.57M
Cash 145.30M 138.00M 146.00M 175.29M 70.09M
Total current liabilities 107.20M 6910.10M 1646.00M 198.56M 199.93M
Current deferred revenue - - 2.80M - -
Net debt 60.00M 68.20M 63.30M 37.93M -20.63M
Short term debt 0.60M 0.80M 204.60M 0.02M 0.26M
Short long term debt 0.60M 0.80M 0.20M 0.02M 0.26M
Short long term debt total 205.30M 206.20M 209.30M 213.23M 49.46M
Other stockholder equity 269.90M 142.50M 178.80M 192.32M 185.62M
Property plant equipment - - - 7.89M 7.83M
Total current assets 313.30M 35.00M 424.00M 175.29M 70.09M
Long term investments 13950.80M 12116.80M 11456.40M 9474.52M 8136.68M
Net tangible assets - - - 323.55M 448.96M
Short term investments - - 32.50M - -
Net receivables 168.00M 35.00M 27.60M 50.80M 51.95M
Long term debt 203.00M 204.80M 207.90M 211.98M 47.19M
Inventory - -561.30M - - -
Accounts payable 61.90M 65.40M 723.40M 198.54M 199.68M
Accumulated other comprehensive income 14.20M 27.90M 6.50M - -
Non currrent assets other 174.70M 469.40M 1886.20M -9588.91M -8203.34M
Non current assets total 14262.70M 12720.10M 11703.90M 9588.91M 8203.34M
Capital lease obligations 1.70M 0.60M 1.20M 1.23M 2.02M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 5.00M 29.50M 52.05M -3.64M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -0.90M 5.00M 29.50M 52.05M -3.64M
Net borrowings 146.90M -2.60M -3.90M 161.08M -16.70M
Total cash from financing activities 234.80M -49.70M -49.80M 121.23M -52.25M
Change to operating activities - - - -1171.90M 972.57M
Net income -10.40M 3.90M 18.70M -98.33M 27.29M
Change in cash 7.30M -8.70M -58.80M 105.44M -33.88M
Begin period cash flow 138.00M 145.90M 204.60M 69.83M 103.71M
End period cash flow 145.30M 137.20M 145.80M 175.28M 69.83M
Total cash from operating activities -230.80M 38.60M -34.90M -71.12M 26.60M
Issuance of capital stock 136.40M 0.00M 0.20M 0.25M 0.00M
Depreciation 18.30M 17.80M 18.70M 16.48M 11.11M
Dividends paid 42.00M 36.50M 35.40M 34.30M 33.28M
Change to account receivables - - - 11.69M 5.98M
Sale purchase of stock -1.00M - - - -
Other cashflows from financing activities 142.20M -10.60M -10.70M 192.41M -2.87M
Change to netincome - - - 1157.37M -1003.73M
Capital expenditures 0.90M 0.80M 0.80M 3.51M 3.64M
Change in working capital 394.60M 1322.10M 944.30M -1160.21M 978.55M
Stock based compensation -0.50M 2.00M 0.70M 0.87M 0.59M
Other non cash items -633.30M -1307.20M -1017.30M 1170.08M 4.43M
Free cash flow -231.70M 37.80M -35.70M -74.63M 22.96M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CSN
Chesnara		 1.50
0.44%		 340.00 - 7.25 1.97 1.20 0.82
PRU
Prudential plc		 6.60
0.74%		 894.40 9.74 13.09 1.95 1.79 1.37
SDLF
Standard Life PLC		 6.00
0.66%		 921.50 - 10.11 0.24 9.58 0.10
ELLA
Ecclesiastical Insurance Office plc		 -
-%		 130.75 0.10 - 0.67 - -
HSD
Hansard Global Plc		 -
-%		 56.50 16.00 12.32 0.36 4.20 0.53

Profile*

Chesnara

Chesnara plc, together with its subsidiaries, operates in life assurance and pension businesses primarily in the United Kingdom, Sweden, and the Netherlands. It underwrites life, health, accident, and disability cover by providing savings and pensions products to meet future financial needs; and provides a portfolio of investment contracts. The company also provides term life, unit-linked, index-linked, and non-linked business products. It distributes its products principally through independent financial advisers. Chesnara plc was incorporated in 2003 and is headquartered in Preston, the United Kingdom.

33-34 Winckley Square, Preston, United Kingdom, PR1 3JJ

44 1772 972050

https://www.chesnara.co.uk

377

Name Title Year Born
Mr. Steven Grant Murray Exec. Director & Group CEO 1978
Mr. David Anthony Rimmington Group Fin. Director & Exec. Director 1968
Mr. Samuel James Perowne Head of Strategic Devel. & Investor Relations 1975
Ms. Amanda Wright Group Gen. Counsel & Company Sec. NA
Mr. Alastair Lonie Group Chief of Staff NA
Mr. Steven Grant Murray Group CEO & Executive Director 1978
Mr. Tom Howard Group CFO & Executive Director 1977
Mr. Samuel James Perowne Head of Strategic Development & Investor Relations 1975
Ms. Amanda Wright General Counsel NA
Mr. Alastair Lonie Company Secretary & Group Chief of Staff NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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