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Interlife General Insurance Company S.A. (INLIF.AT)

EUR7.04 +0.02 (+0.28%)
GR ATH Financial Services Insurance - Diversified
Address 14th KM. E.O. Thessaloniki - Polygyrou 57 001
Thessaloniki, GR
CEO Ioannis Votsaridis
IPO 2021-01-26
ISIN GRS805003001

Explore sections of this company profile

Description

Interlife General Insurance Company S.A. operates as a comprehensive insurance provider across Greece, serving both individual clients and businesses. The company's extensive product portfolio features a broad spectrum of personal and commercial policies, including coverage for automobiles, boats, property, personal accident, travel, and pets. They also offer specialized protection for legal expenses, civil liability, bicycles & skates, photovoltaic installations, and transport. Beyond these, Interlife supplies a range of industrial and corporate-focused solutions such as contractors' all-risk, assembly, electronic equipment, mechanical damage, and boiler & pressure vessel explosion insurance. Their offerings further extend to all-hazard mechanical equipment coverage, group insurance plans, and various financial products. Established in 1991, Interlife's main operational base is located in Thessaloniki, Greece.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
EUR7.04 +0.02 (+0.28%)
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Volume Profile
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Liquidity & share structure
Average Volume
10.6K
Beta
0.48
Float Shares
6.27M
Free Float %
33.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.59% +1.19% +1.50% +10.42% +14.92% +8.65% +33.46% +84.24% +66.18% +59.91% +59.91%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
7.04
DCF (Unlevered) 20.92 +197.1%
DCF (Levered) 33.42 +374.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.84
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
7 / 10
Strong MOAT
Composite Rating
S-
Overall Score
5 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
4 / 5
High
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers ★ Strong MOAT
  • Revenue growth Insurance - Diversified: +15.2%
    +7.0% Q4'25: +14.0% (vs Q4'23)
  • EPS growth Insurance - Diversified: +25.3%
    +134.4% Q4'25: +506.7% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    +28.7% Q4'25: +17.8% (vs Q4'23)
  • EBIT margin Insurance - Diversified: +13.5%
    +27.3% Q4'25: +29.9% (vs Q4'23)
  • ROIC Insurance - Diversified: +4.2%
    +17.5% Q4'25: +42.5% (vs Q4'23)
  • Share dilution Insurance - Diversified: +0.0%
    +0.0% Q4'25: +0.0% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    0.00× Q4'25: 0.00× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.50) × ERP
WACC = 100% × Ke + 0% × Kd (9.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 20.92 Current price: 7.04
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Revenue
111.87M
est: 111.87M (+0.0%)
119.69M
est: 119.69M (+0.0%)
120.41M
120.41M – 120.41M
+0.6% YoY
EBITDA
14.78M
est: 18.84M (-21.6%)
33.00M
est: 19.62M (+68.2%)
19.74M
19.74M – 19.74M
+0.6% YoY
EBIT
14.78M
est: 18.44M (-19.9%)
32.68M
est: 19.27M (+69.6%)
19.39M
19.39M – 19.39M
+0.6% YoY
Net Income
11.74M
est: 12.19M (-3.7%)
27.77M
est: 11.64M (+138.6%)
10.90M
10.90M – 10.90M
-6.3% YoY
SGA
3.30M
est: 5.26M (-37.3%)
est: 3.22M (-100.0%)
3.24M
3.24M – 3.24M
+0.6% YoY
EPS
0.64
est: 0.66 (-3.0%)
1.50
est: 0.63 (+138.1%)
0.59
0.59 – 0.59
-6.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-28 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-27 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-26 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-25 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-22 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-21 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-20 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-19 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-18 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-15 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-14 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-13 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-12 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-11 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-08 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-07 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-06 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-05 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-05-04 S- 5/5 4/5 5/5 5/5 4/5 4/5 4/5
2026-04-30 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-29 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-28 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-27 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-24 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-23 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-22 A+ 5/5 4/5 5/5 5/5 3/5 4/5 4/5
2026-04-21 A+ 4/5 4/5 4/5 5/5 3/5 4/5 4/5
2026-04-20 A+ 4/5 4/5 4/5 5/5 3/5 4/5 4/5
2026-04-17 A 4/5 4/5 4/5 5/5 2/5 4/5 4/5
2026-04-16 A 4/5 4/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
51.31M
OE per share TTM
2.78
Owner's Yield
40.96%
Maintenance CapEx ratio
3.35%
Maint CapEx / Avg PPE
8.2%

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

This company is not held by any ETF in our universe.

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
216.4K
Shares Outstanding
18.48M

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

NameTitleCompensationGender
Ioannis Votsaridis Chief Executive Officer, President, Chairman of the Board & Director of Commercial Management 89.7K male
Athanasios Proios Chief Financial Officer, Director of Financial Operations & Executive Director 52.7K male
Konstantinos Votsaridis Deputy Chief Executive Officer, Director of Compensation & Executive Director 51.2K male
Evangelia Mentziori Head of Legal & Regulatory Affairs, Corporate Secretary & Executive Director 46.4K female
Georgia Votsaridou Executive Director & Director of Asset Management 44.2K female
Vasileios Nikolaidis Director of Technology, IT & Communications 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

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Dividend yield history

Dividend history

Earnings reports

Stock splits