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Chesnara plc (CSN.L)
GBp329.50
-1.50 (-0.45%)
GB LSE Financial Services Insurance - Life
Address
Building 4 PR1 8UY
Preston, GB
Preston, GB
CEO
Steven Grant Murray
Website
chesnara.co.uk
IPO
2004-05-20
ISIN GB00B00FPT80
Description
Chesnara plc, encompassing its various operating companies, specializes in providing life insurance and pension services, primarily serving clients in the United Kingdom, the Netherlands, and Sweden. The firm conducts its business through several key divisions: CA, Movestic, Waard Group, and Scildon. Chesnara offers coverage for life-related eventualities such as death, disability, health issues, and accidents. Additionally, it manages a diverse portfolio of investment contracts designed to meet customers' savings and retirement objectives through asset management, and also provides general insurance products. Its offerings are mainly distributed via independent financial advisers. Chesnara plc was founded in 2003 and its main office is situated in Preston, UK.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp329.50
-1.50 (-0.45%)
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Volume Profile
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Liquidity & share structure
Average Volume
536.7K
Beta
0.53
Float Shares
226.11M
Free Float %
98.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.16% | -1.37% | +5.56% | -1.22% | +13.33% | +7.31% | +31.88% | +32.35% | +33.30% | +20.10% | +233.16% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
329.50
Ratings Trend (MoM)
80% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Life: +10.6%-40.6% Q4'25: +42.8% (vs Q4'23)
-
EPS growth Insurance - Life: +13.4%-301.2% Q4'25: +0.5% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Life: +31.7%+40.6% Q4'25: -71.9% (vs Q4'23)
-
EBIT margin Insurance - Life: +12.4%+3.1% Q4'25: +3.6% (vs Q4'23)
-
ROIC Insurance - Life: +1.0%+2.9% ★ Q4'25: +11.3% (vs Q4'23)
-
Share dilution Insurance - Life: +0.4%+33.9% Q4'25: -87.4% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×4.23× Q4'25: 1.38× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2000 actual |
Dec 2001 actual |
Dec 2002 actual |
Dec 2007 actual |
Dec 2008 actual |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 2 EPS Ana. |
Dec 2027 1 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 3 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
329.87M
est.
|
385.12M
est.
|
544.00M
est.
|
223.53M
est: 108.77M (+105.5%)
|
122.99M
est: 98.80M (+24.5%)
|
457.64M
est: 83.08M (+450.9%)
|
456.33M
est: 117.74M (+287.6%)
|
-15.90M
est: 111.65M (-114.2%)
|
498.54M
est: 104.90M (+375.3%)
|
735.79M
est: 99.47M (+639.7%)
|
585.89M
est: 121.80M (+381.0%)
|
292.26M
est: 62.20M (+369.9%)
|
666.91M
est: 117.00M (+470.0%)
|
836.98M
est: 275.00M (+204.4%)
|
23.06M
est: 289.00M (-92.0%)
|
1.44B
est: 303.19M (+375.1%)
|
634.43M
est: 318.35M (+99.3%)
|
1.50B
est: 334.26M (+349.8%)
|
-720.40M
est: 335.91M (-314.5%)
|
1.03B
est: 359.43M (+187.2%)
|
1.67B
est: 384.59M (+333.5%)
|
990.40M
est: 179.40M (+452.1%)
|
170.30M
170.30M – 170.30M
-5.1% YoY
|
302.05M
302.05M – 302.05M
+77.4% YoY
|
166.81M
166.81M – 166.81M
-44.8% YoY
|
92.12M
92.12M – 92.12M
-44.8% YoY
|
50.87M
50.87M – 50.87M
-44.8% YoY
|
| EBITDA |
15.67M
est.
|
-51.14M
est.
|
-61.87M
est.
|
33.69M
est: -12.30M (+373.9%)
|
28.01M
est: 4.60M (+508.8%)
|
45.48M
est: 22.10M (+105.8%)
|
35.75M
est: 74.16M (-51.8%)
|
37.58M
est: 42.77M (-12.1%)
|
33.79M
est: 32.40M (+4.3%)
|
-2.12M
est: 28.61M (-107.4%)
|
1.53M
est: 87.17M (-98.3%)
|
57.29M
est: 2.95M (+1,839.1%)
|
55.60M
est: 5.56M (+900.5%)
|
123.89M
est: 122.77M (+0.9%)
|
60.10M
est: 13.73M (+337.8%)
|
122.53M
est: 84.27M (+45.4%)
|
52.04M
est: 59.24M (-12.2%)
|
42.19M
est: 15.88M (+165.7%)
|
-48.40M
est: 59.62M (-181.2%)
|
31.40M
est: 17.07M (+83.9%)
|
49.70M
est: 15.73M (+216.1%)
|
48.50M
est: 7.34M (+561.2%)
|
6.96M
6.96M – 6.96M
-5.1% YoY
|
12.35M
12.35M – 12.35M
+77.4% YoY
|
6.82M
6.82M – 6.82M
-44.8% YoY
|
3.77M
3.77M – 3.77M
-44.8% YoY
|
2.08M
2.08M – 2.08M
-44.8% YoY
|
| EBIT |
10.96M
est.
|
88.61M
est.
|
107.21M
est.
|
28.81M
est: 21.31M (+35.2%)
|
23.48M
est: 3.22M (+629.7%)
|
45.41M
est: 19.09M (+137.9%)
|
35.45M
est: 63.35M (-44.0%)
|
25.81M
est: 32.43M (-20.4%)
|
23.35M
est: 21.05M (+11.0%)
|
64.12M
est: 18.68M (+243.2%)
|
31.81M
est: 74.20M (-57.1%)
|
46.25M
est: 27.84M (+66.1%)
|
43.96M
est: 3.89M (+1,030.9%)
|
93.10M
est: 95.63M (-2.6%)
|
31.98M
est: 9.60M (+233.1%)
|
98.86M
est: 54.84M (+80.3%)
|
26.88M
est: 52.09M (-48.4%)
|
31.08M
est: 11.10M (+179.9%)
|
-51.60M
est: 52.42M (-198.4%)
|
12.70M
est: 11.94M (+6.4%)
|
31.90M
est: 11.86M (+168.9%)
|
30.20M
est: 5.53M (+445.8%)
|
5.25M
5.25M – 5.25M
-5.1% YoY
|
9.32M
9.32M – 9.32M
+77.4% YoY
|
5.15M
5.15M – 5.15M
-44.8% YoY
|
2.84M
2.84M – 2.84M
-44.8% YoY
|
1.57M
1.57M – 1.57M
-44.8% YoY
|
| Net Income |
17.46M
est.
|
15.06M
est.
|
18.22M
est.
|
25.44M
est: 3.62M (+602.4%)
|
20.02M
est: 9.78M (+104.8%)
|
45.94M
est: 16.82M (+173.2%)
|
29.82M
est: 65.05M (-54.2%)
|
25.67M
est: 28.26M (-9.2%)
|
27.94M
est: 24.15M (+15.7%)
|
49.36M
est: 26.46M (+86.6%)
|
25.58M
est: 60.49M (-57.7%)
|
39.79M
est: 24.72M (+60.9%)
|
35.28M
est: 40.13M (-12.1%)
|
78.43M
est: 82.92M (-5.4%)
|
24.12M
est: 31.15M (-22.6%)
|
79.14M
est: 48.98M (+61.6%)
|
21.19M
est: 42.89M (-50.6%)
|
27.29M
est: 32.45M (-15.9%)
|
-33.70M
est: -51.09M (+34.0%)
|
18.70M
est: 75.48M (-75.2%)
|
3.90M
est: 29.92M (-87.0%)
|
-10.40M
est: 19.96M (-152.1%)
|
38.75M
33.20M – 44.30M
+94.2% YoY
|
43.67M
42.82M – 62.10M
+12.7% YoY
|
54.05M
54.01M – 58.90M
+23.8% YoY
|
52.95M
52.95M – 52.95M
-2.0% YoY
|
52.54M
52.54M – 52.54M
-0.8% YoY
|
| SGA |
5.84M
est.
|
12.61M
est.
|
15.26M
est.
|
15.96M
est: 3.03M (+426.2%)
|
13.63M
est: 1.71M (+695.3%)
|
18.25M
est: 11.44M (+59.5%)
|
29.38M
est: 25.23M (+16.4%)
|
38.80M
est: 26.46M (+46.6%)
|
37.03M
est: 34.29M (+8.0%)
|
38.76M
est: 32.81M (+18.1%)
|
40.59M
est: 44.08M (-7.9%)
|
41.30M
est: 1.10M (+3,651.9%)
|
42.82M
est: 2.07M (+1,967.7%)
|
70.27M
est: 107.24M (-34.5%)
|
69.80M
est: 5.11M (+1,264.6%)
|
67.81M
est: 137.00M (-50.5%)
|
70.95M
est: 35.30M (+101.0%)
|
67.93M
est: 5.92M (+1,048.2%)
|
83.40M
est: 35.52M (+134.8%)
|
32.80M
est: 6.36M (+415.6%)
|
25.80M
est: -1.80M (+1,536.7%)
|
—
est: -837.7K (+100.0%)
|
-795.2K
-795.2K – -795.2K
+5.1% YoY
|
-1.41M
-1.41M – -1.41M
-77.4% YoY
|
-778.9K
-778.9K – -778.9K
+44.8% YoY
|
-430.1K
-430.1K – -430.1K
+44.8% YoY
|
-237.5K
-237.5K – -237.5K
+44.8% YoY
|
| EPS |
0.11
est.
|
0.15
est.
|
0.16
est.
|
0.24
est: 0.13 (+82.4%)
|
0.19
est: 0.06 (+193.6%)
|
0.45
est: 0.63 (-28.1%)
|
0.29
est: 0.19 (+49.2%)
|
0.22
est: 0.04 (+439.9%)
|
0.24
est: 0.17 (+41.9%)
|
0.43
est: 0.26 (+62.9%)
|
0.22
est: 0.31 (-27.9%)
|
0.31
est: 0.23 (+33.2%)
|
0.28
est: 0.13 (+123.6%)
|
0.52
est: 0.33 (+56.3%)
|
0.16
est: 0.20 (-21.3%)
|
0.53
est: 0.29 (+80.8%)
|
0.14
est: 0.18 (-23.6%)
|
0.18
est: 0.21 (-15.0%)
|
-0.22
est: -0.46 (+51.9%)
|
0.12
est: 0.49 (-75.6%)
|
0.03
est: 0.15 (-82.3%)
|
-0.05
est: 0.10 (-152.1%)
|
0.19
0.16 – 0.22
+95.9% YoY
|
0.25
0.21 – 0.30
+32.1% YoY
|
0.27
0.26 – 0.29
+8.8% YoY
|
0.26
0.26 – 0.26
-5.7% YoY
|
0.26
0.26 – 0.26
-0.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-28 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-27 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-26 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-22 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-21 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-20 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-19 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-18 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-15 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-14 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 | 5/5 |
| 2026-05-12 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-11 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-05 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-01 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-30 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-29 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-28 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-27 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-24 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-23 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-22 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-21 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-20 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-17 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-16 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-509.48M
OE per share TTM
-29.91
Owner's Yield
-820.21%
Maintenance CapEx ratio
415.74%
Maint CapEx / Avg PPE
0.8%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 44 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.59% | 543.6K | 0.38% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.59% | 543.6K | 0.38% |
| 3 | Amundi Prime UK Mid & Small Cap UCITS ETF DR - GBP (D) PRUK.L | 0.41% | 1.77M | 0.05% |
| 4 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.26% | 173.8K | 0.09% |
| 5 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.26% | 99.0K | 0.15% |
| 6 | Invesco FTSE 250 UCITS ETF S250.L | 0.25% | 90.4K | 0.12% |
| 7 | iShares FTSE 250 UCITS ETF MIDD.L | 0.25% | 2.12M | 0.40% |
| 8 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.25% | 6.54M | 0.10% |
| 9 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.25% | 6.54M | 0.10% |
| 10 | iShares MSCI United Kingdom Small-Cap ETF EWUS | 0.22% | 90.5K | 0.59% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
78.2K
Shares Outstanding
230.61M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Steven Grant Murray | Group Chief Executive Officer & Executive Director | 1M | male |
| Tom Howard | Group Chief Financial Officer & Executive Director | 757.0K | male |
| Alastair Lonie | Company Secretary & Group Chief of Staff | — | male |
| Amanda Wright | General Counsel | — | female |
| Gavin Hughes | Group CRO & Chief Actuary | — | male |
| Samuel James Perowne | Head of Strategic Development & Investor Relations | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for CSN.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
