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OUTsurance Group Limited (OUT.JO)
Johannesburg, ZA
OUTsurance Group Limited, an investment holding company based in Johannesburg, South Africa, since its establishment in 1977, provides an extensive portfolio of financial products and services to a global clientele. Its international presence spans South Africa, the broader African continent, the United Kingdom, various Asian markets (including China, Singapore, and Japan), Australia, Europe, and the United States. The company, which was rebranded from Rand Merchant Investment Holdings Limited in December 2022, manages its operations through four core divisions: Discovery, Momentum Metropolitan, OUTsurance, and Hastings. The Discovery segment is dedicated to integrated financial solutions, covering healthcare funding, insurance, and banking. These services are delivered under prominent brands such as Discovery Health, Life, Insure, Invest, Vitality, VitalityHealth, VitalityLife, Ping An Health, and Discovery Bank. Momentum Metropolitan offers a comprehensive array of financial provisions, including life insurance, employee benefits, investment and savings vehicles, healthcare plans, and short-term insurance. It caters to a diverse client base, from individuals and small to medium-sized businesses to large corporations and public sector entities, utilizing its Momentum and Metropolitan brands. The OUTsurance division focuses on direct personal and small business short-term insurance. Additionally, it offers long-term insurance policies for individuals, providing coverage for death, disability, critical illness, funeral costs, and retrenchment. Lastly, the Hastings segment specializes in digital general insurance, predominantly serving the private motor vehicle market, and also extends to other personal insurance products like home, van, and bike coverage.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.41% | -0.58% | +0.11% | -3.57% | -2.26% | -1.13% | -6.54% | +123.93% | +304.93% | +220.26% | +687.22% |
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 | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 2 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Diversified: +15.2%+22.3% ★ Q4'25: +28.5% (vs Q4'23)
-
EPS growth Insurance - Diversified: +25.3%+16.1% Q4'25: +23.8% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+13.7% Q4'25: +20.3% (vs Q4'23)
-
EBIT margin Insurance - Diversified: +13.5%+19.4% ★ Q4'25: +17.1% (vs Q4'23)
-
ROIC Insurance - Diversified: +4.2%+32.5% ★ Q4'25: +77.9% (vs Q4'23)
-
Share dilution Insurance - Diversified: +0.0%+0.9% Q4'25: -0.6% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×0.00× Q4'25: 0.02× (vs Q4'23)
* 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 |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 2 Rev. Ana. 4 EPS Ana. |
Jun 2027 1 Rev. Ana. 4 EPS Ana. |
Jun 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
28.33B
est: 26.23B (+8.0%)
|
32.24B
est: 11.98B (+169.2%)
|
39.42B
est: 36.00B (+9.5%)
|
41.48B
41.36B – 41.59B
+15.2% YoY
|
46.54B
46.34B – 46.75B
+12.2% YoY
|
69.40B
69.15B – 69.66B
+49.1% YoY
|
| EBITDA |
5.08B
est: 4.95B (+2.6%)
|
6.57B
est: 2.26B (+190.7%)
|
7.63B
est: 6.79B (+12.3%)
|
7.82B
7.80B – 7.85B
+15.2% YoY
|
8.78B
8.74B – 8.82B
+12.2% YoY
|
13.09B
13.04B – 13.14B
+49.1% YoY
|
| EBIT |
4.90B
est: 4.79B (+2.2%)
|
6.23B
est: 2.19B (+184.9%)
|
7.63B
est: 6.57B (+16.0%)
|
7.57B
7.55B – 7.59B
+15.2% YoY
|
8.50B
8.46B – 8.54B
+12.2% YoY
|
12.67B
12.62B – 12.72B
+49.1% YoY
|
| Net Income |
2.98B
est: 2.92B (+2.2%)
|
4.06B
est: 3.21B (+26.5%)
|
4.71B
est: 4.51B (+4.5%)
|
5.10B
4.92B – 5.27B
+13.1% YoY
|
6.24B
5.71B – 6.36B
+22.5% YoY
|
6.72B
6.68B – 6.75B
+7.5% YoY
|
| SGA |
842.00M
est: 1.89B (-55.4%)
|
3.06B
est: 861.53M (+254.7%)
|
1.68B
est: 2.59B (-35.3%)
|
2.98B
2.97B – 2.99B
+15.2% YoY
|
3.35B
3.33B – 3.36B
+12.2% YoY
|
4.99B
4.97B – 5.01B
+49.1% YoY
|
| EPS |
1.95
est: 1.90 (+2.5%)
|
2.66
est: 2.03 (+31.0%)
|
3.06
est: 2.92 (+4.9%)
|
3.27
3.19 – 3.41
+12.2% YoY
|
3.92
3.70 – 4.12
+19.7% YoY
|
4.35
4.33 – 4.37
+11.0% 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 | 1/5 | 1/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 1/5 | 1/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 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 | iShares MSCI South Africa ETF EZA | 1.49% | 8.17M | 0.59% |
| 2 | iShares MSCI South Africa UCITS ETF USD IRSA.L | 1.15% | 2.94M | 0.65% |
| 3 | VanEck Africa Index ETF AFK | 0.46% | 459.8K | 0.76% |
| 4 | Rayliant Wilshire NxtGen Emerging Markets Equity ETF RWEM | 0.44% | 341.2K | 0.52% |
| 5 | WisdomTree Emerging Markets Quality Dividend Growth Fund DGRE | 0.43% | 627.6K | 0.32% |
| 6 | Franklin EM Multi-Factor Equity UCITS ETF FREM.L | 0.35% | 300.8K | 0.30% |
| 7 | VanEck - MSCI Multifactor Emerging Markets Equity ETF EMKT.AX | 0.33% | 1.66M | 0.69% |
| 8 | BMO Low Volatility Emerging Markets Equity ETF ZLE.TO | 0.19% | 133.7K | 0.51% |
| 9 | HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L | 0.19% | 72.0K | 0.18% |
| 10 | Franklin Global Quality Dividend UCITS ETF FRGD.L | 0.17% | 209.8K | 0.30% |
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 |
|---|---|---|---|
| Marthinus C. Visser | Chief Executive Officer & Executive Director | 53M | male |
| Jan H. Hofmeyr | Chief Financial Officer & Executive Director | 41M | male |
| Gabi Richards-Smith | Head of sustainability & Compliance | — | female |
| Jacobus Schalk Human | Company Secretary & Financial Manager | — | male |
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 OUT.JO
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.
