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Línea Directa Aseguradora, S.A. (LDA.MC)
Tres Cantos, ES
Línea Directa Aseguradora, S.A., based in Tres Cantos, Spain, is an insurance and reinsurance enterprise conducting business throughout Spain and Portugal. Founded in 1994, the company delivers a comprehensive portfolio of non-life insurance offerings, encompassing policies for motor vehicles, homes, and health. These products are marketed through its distinct brands, which include Línea Directa, Penelope Seguros, Aprecio, and Vivaz Seguros. Beyond its core insurance operations, the firm extends its services to include vehicle inspections and repairs, emergency roadside assistance, and specialized support for motorcycles. Furthermore, Línea Directa Aseguradora provides insurance brokerage, claims management, coordination of claims-related repairs, and various other household-centric services. Its products are primarily distributed through direct sales channels, namely telephone and internet. The company was originally incorporated as Bankinter Aseguradora Directa, S.A. Compañía de Seguros y Reaseguros, before changing its name to Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros in January 1995.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.47% | -1.32% | +0.34% | -5.98% | +4.74% | +6.61% | -12.85% | +37.72% | -29.76% | -26.30% | -26.30% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Property & Casualty: +14.1%+12.4% Q4'25: +112.3% (vs Q3'24)
-
EPS growth Insurance - Property & Casualty: +27.5%+31.3% ★ Q4'25: +173.0% (vs Q3'24)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+7.6% ★ Q4'25: +19.4% (vs Q3'24)
-
EBIT margin Insurance - Property & Casualty: +16.3%+10.2% Q4'25: +9.7% (vs Q3'24)
-
ROIC Insurance - Property & Casualty: +7.9%+21.9% ★ Q4'25: +42.8% (vs Q3'24)
-
Share dilution Insurance - Property & Casualty: +0.4%+1.7% Q4'25: +0.0% (vs Q3'24)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×0.04× ★ Q4'25: 0.02× (vs Q3'24)
* 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.
| Metric |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 4 Rev. Ana. 6 EPS Ana. |
Dec 2027 4 Rev. Ana. 7 EPS Ana. |
Dec 2028 2 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
942.48M
est: 964.39M (-2.3%)
|
966.76M
est: 1.01B (-4.7%)
|
998.73M
est: 1.09B (-8.1%)
|
1.12B
est: 1.09B (+2.5%)
|
1.21B
1.17B – 1.26B
+10.9% YoY
|
1.32B
1.26B – 1.37B
+8.6% YoY
|
1.45B
1.39B – 1.51B
+10.3% YoY
|
| EBITDA |
83.57M
est: 100.34M (-16.7%)
|
-6.55M
est: 86.22M (-107.6%)
|
83.31M
est: 92.43M (-9.9%)
|
114.14M
est: 93.06M (+22.6%)
|
103.20M
99.48M – 106.96M
+10.9% YoY
|
112.11M
106.88M – 116.23M
+8.6% YoY
|
123.67M
118.53M – 128.20M
+10.3% YoY
|
| EBIT |
83.54M
est: 100.33M (-16.7%)
|
-6.55M
est: 86.21M (-107.6%)
|
83.31M
est: 92.42M (-9.9%)
|
114.14M
est: 93.05M (+22.7%)
|
103.19M
99.47M – 106.95M
+10.9% YoY
|
112.09M
106.86M – 116.21M
+8.6% YoY
|
123.65M
118.51M – 128.18M
+10.3% YoY
|
| Net Income |
63.13M
est: -6.25M (+1,110.8%)
|
-4.39M
est: 36.12M (-112.2%)
|
64.22M
est: 82.57M (-22.2%)
|
85.71M
est: 85.71M (+0.0%)
|
99.12M
97.21M – 101.38M
+15.6% YoY
|
114.03M
107.78M – 119.73M
+15.0% YoY
|
122.26M
116.09M – 130.61M
+7.2% YoY
|
| SGA |
26.04M
est: 16.51M (+57.8%)
|
—
est: 11.43M (-100.0%)
|
—
est: 12.25M (-100.0%)
|
—
est: 12.34M (-100.0%)
|
13.68M
13.19M – 14.18M
+10.9% YoY
|
14.86M
14.17M – 15.41M
+8.6% YoY
|
16.39M
15.71M – 16.99M
+10.3% YoY
|
| EPS |
0.06
est: -0.01 (+1,110.3%)
|
0.00
est: 0.03 (-112.1%)
|
0.06
est: 0.08 (-20.9%)
|
0.08
est: 0.08 (+1.2%)
|
0.09
0.09 – 0.09
+16.5% YoY
|
0.10
0.10 – 0.11
+15.1% YoY
|
0.11
0.11 – 0.12
+7.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-26 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-25 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-19 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-18 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 3/5 | 1/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.18% | 164.6K | 0.38% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.18% | 164.6K | 0.38% |
| 3 | iShares MSCI EMU Small Cap UCITS ETF CES1.L | 0.11% | 1.19M | 0.58% |
| 4 | UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE | 0.11% | 828.5K | 0.33% |
| 5 | WisdomTree International SmallCap Dividend Fund DLS | 0.08% | 839.5K | 0.58% |
| 6 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.08% | 331.4K | 0.48% |
| 7 | iShares MSCI Europe Small-Cap ETF IEUS | 0.05% | 79.7K | 0.41% |
| 8 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.04% | 1.50M | 0.30% |
| 9 | iShares $ Treasury Bond 3-7yr UCITS ETF CBUG.DE | 0.04% | 172.4K | 0.10% |
| 10 | Schwab International Small-Cap Equity ETF SCHC | 0.04% | 2.06M | 0.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Alfonso Botin-Sanz de Sautuola y Naveda | Chairman & President | — | male |
| Ana Sanchez Galan | Head of Technology | — | female |
| Antonio Valor | Head of Marketing | — | male |
| Beatriz Izard | Head of Investor Relations | — | — |
| Carlos Rodriguez Ugarte | Chief Financial Officer | — | male |
| Inmaculada Aldea | Chief Risk Officer | — | — |
| Jose Luis Diaz | Head of Internal Audit | — | — |
| Juan José Álvarez | Chief Technical Officer | — | — |
| Mar Garre | Head of People, Communications and Sustainability | — | female |
| Patricia Ayuela de Rueda | Chief Executive Officer & Director | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for LDA.MC
Short-term intention
Target Price Distribution
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