Línea Directa Aseguradora stock
LDA.MCBMELínea Directa Aseguradora, S.A., Financial ServicesISIN ES0105546008
76Score 76 out of 100, Strong
Price and trend
81 / 100
Price history
+12% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 3.6% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 57).
The price is 6.6% below its 52-week high. Largest decline in 6 years: 58% (June 2021 to June 2023).
Chart figures for advanced users
- SMA 50$1.39
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$1.36
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)57
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$1.19
- The lowest closing price of the last twelve months.
- Resistance$1.51
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Línea Directa Aseguradora, S.A. belongs to the Insurance (Property & Casualty) industry (Spain) and, with a market value of $1.53B, is number 42 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.24B (up 12.4% year on year) and earnings of $94.98M (up 33.5%).
- MEQIRI Score 76 out of 100 (Strong): rank 190 of 975 in Financial Services, median 68.
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- The P/E is 10.2 (Insurance (Property & Casualty) median 12.3, own median of recent years 16.9).
- Our model puts fair value at $1.92, with the price 27% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 32.8% over the last 12 months.Profitability 95
- High dividend yieldDividend yield 3.47%, Insurance (Property & Casualty) median 1.65%.Capital allocation 76
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are profitability and valuation, while growth holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
- calm price action
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $1.60 and expensive above $2.40 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $2.13 (excess return model) and $1.71 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8%. At 9% the fair value would be $1.74, at 7% it would be $2.19.
Possible value trap: looks cheap, but weak growth.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Jun 2026, revenue rose 128% on the same quarter a year earlier. Revenue has grown solidly since 2017, at about 4% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 10%, net 8%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- No date announced.
- Last reported
- 27 Jul 2026EPS reported $0.05 (expected $0.03)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $0.11+2.6%
- Revenue
- $1.34B+1.9%
- Earnings per share
- $0.12−0.1%
- Revenue
- $1.42B+0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: 0.0%Performance is in line with expectations according to management; whether the combined ratio guidance is adjusted will be decided only after autumn.
“My expectation looking forward is that probably we will have to wait until the climate issues on autumn and see what happens with atmospheric events and whether we will adjust the combined ratio.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Jul 2026 (fiscal Q2 2026), read by AI.
What happened at Línea Directa Aseguradora
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 76
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- HCI GroupHCI $2.37B81
- Horace Mann EducatorsHMN $2.14B67
- KemperKMPR $2.02B35
- Safety Insurance GroupSAFT $1.53B61
- TrupanionTRUP $1.48B52
- Universal Insurance HoldingsUVE $1.34B87
- United Fire GroupUFCS $1.32B64
- Stewart Information ServicesSTC $1.27B47
ETFs that hold Línea Directa Aseguradora
Held by 17 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree Europe SmallCap Dividend UCITS ETF AccWTD7 | 0.37% | 0.38% | €86.74M |
| iShares MSCI EMU Small Cap UCITS ETFSXRJ | 0.11% | 0.58% | €838.19M |
| Xtrackers MSCI Europe Small Cap UCITS ETF 1CXXSC | 0.04% | 0.30% | €3.45B |
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| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.04% | 0.10% | €395.74M |
| Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF DISTLGWU | 0.03% | 0.40% | €580.62M |
| State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR AccZPRX | 0.03% | 0.30% | €813.64M |
| UBS MSCI EMU Select Factor Mix UCITS ETF EUR accUIQN | 0.02% | 0.34% | €16.96M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.27B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = €0.9024)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.