1. United Kingdom Stocks

  2. •

    Financial Services

  3. •

    Insurance - Diversified
Direct Line Insurance Group plc

Direct Line Insurance Group plc

DIISF
Direct Line Insurance Group plcUS flagOther OTC
3.48
USD
-0.69
- -
4.53BMarket Cap
Direct Line Insurance Group plc
DIISF
(Other OTC)

Recent

price

3.48

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
4.17
4.07
3.47
3.05
2.56
2.44
2.27
2.42
2.55
2.5
2.4
2.36
2.42
2.25
2.84
3.49
5.85
Revenue per Share
0.1
-0.2
0.18
0.13
0.23
0.27
0.41
0.2
0.32
0.35
0.31
0.27
0.26
-0.18
0.17
0.13
0.46
Basic EPS, GAAP
0.5
0.4
-0.33
0.64
-0.02
0.39
0.28
0.53
0.33
0.25
0.2
0.31
0.22
0.52
0.2
-0.36
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.73
0.18
0.29
0.47
0.33
0.16
0.37
0.31
0.22
0.23
0.24
0.01
0.07
- -
Dividend per Share
2.12
1.92
2.43
0.84
0.87
0.84
0.73
0.74
0.88
0.86
0.86
0.89
0.78
0.33
0.48
0.53
1.78
Book Value per Share
2.39
2.32
2.55
1.75
1.67
1.67
1.47
1.47
1.89
1.71
1.67
1.67
1.48
1.05
1.22
1.31
3.39
Tangible Book Value per Share
1,375
1,375
1,375
1,374
1,371
1,370
1,431
1,369
1,366
1,366
1,367
1,356
1,336
1,304
1,299
1,301
675
Basic Weighted Avg Shares
5,728
5,590
4,772
4,196
3,515
3,338
3,248
3,314
3,477
3,413
3,282
3,202
3,230
2,930
3,692
4,538
3,949
Sales/Revenue/Turnover
-1.39
-6.72
- -
6.62
12.79
14.73
16.78
11.77
- -
- -
- -
- -
- -
- -
- -
- -
11.39
Operating Margin (%)
32
30
32
43
58
85
95
88
82
90
78
80
94
115
124
140
- -
Depreciation Expense
133
-272
249
184
313
373
580
279
434
472
420
367
344
-232
223
163
313
Net Income, GAAP
- -
- -
27.38
26.01
23.69
21.34
21.34
21.02
19.48
18.69
17.62
18.65
22.94
- -
19.65
25.55
26.21
Effective Tax Rate (%)
2.32
-4.86
5.22
4.39
8.9
11.16
17.87
8.41
12.48
13.83
12.8
11.47
10.64
-7.91
6.04
3.58
7.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
285
327
318
788
487
526
521
540
435
427
423
669
598
340
365
373
487
LT Debt
3,581
3,482
3,871
2,832
2,790
2,810
2,630
2,522
3,048
2,905
2,990
3,046
2,797
2,192
2,405
2,484
2,790
Total Equity
- -
- -
- -
4.75
9.45
11.16
12.61
9.47
- -
- -
- -
- -
- -
- -
- -
- -
9.09
Return on Invested Capital (%)
- -
- -
6.74
6.55
18.08
23.08
36.63
19.52
32.25
29.52
26.77
22.12
20.56
- -
24.58
15.73
18.03
Return on Capital (%)
- -
-9.81
8.34
8.19
26.53
31.78
53.03
27.14
39.14
39.58
35.65
30.84
30.67
-31.71
42.28
24.57
26.53
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'13
Sep'13
Dec'13
ST Debt
63
- -
55
LT Borrowings
501
- -
487
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,370
- -
1,375
Market Capitalization
- -
1,047
1,177

Working Capital

FRC

•

in mil. unless spec.
Jun'13
Sep'13
Dec'13
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,724
- -
8,350
Accounts Receivable, Net
1,172
- -
992
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
63
- -
55
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.63%
-2.98%
3.31%
Free Cash Flow
-21.4%
-37.92%
-279.84%
Net Income, GAAP
-35.24%
-81.92%
-27.05%
Sales/Revenue/Turnover
3.67%
7.62%
22.92%
Total Cash Common Dividend
44.37%
70.58%
471.08%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
2,930
2023
- -
- -
- -
- -
3,692
2024
- -
- -
- -
- -
4,538

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
-0.18
2023
- -
- -
- -
- -
0.17
2024
- -
- -
- -
- -
0.13

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
0.24
2023
- -
- -
- -
- -
0.01
2024
- -
- -
- -
- -
0.07
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Business
Direct Line Insurance Group plc is a UK-based general insurance company specializing in personal and commercial insurance products, operating major brands including Direct Line, Churchill, Green Flag, Privilege, and Darwin. Its core offerings encompass motor insurance—including car, van, and commercial vehicle policies—home insurance, rescue and roadside assistance services, pet insurance, landlord and commercial insurance, and breakdown cover. The group also operates a network of 23 own-brand motor accident repair centers to manage vehicle repairs and improve claims efficiency. Founded in 1985 and headquartered in Bromley, England, Direct Line serves millions of customers across the United Kingdom through multiple distribution channels, including direct sales, price comparison websites, and partnerships. In recent major developments, Direct Line completed its acquisition by Aviva plc in July 2025, creating the UK’s largest home and motor insurer and aligning with Aviva's capital-light growth strategy. The company has made substantial operational advancements including launching three new Direct Line motor insurance products on a leading price comparison website and expanding its rescue service partnership with Apple to offer satellite-based roadside assistance. It has replatformed its home insurance services, enhanced pricing and underwriting capabilities, and overhauled claims functions to improve customer service and reduce costs. Direct Line has also taken strategic steps to focus on its core lines of business—motor, home, commercial, and rescue—while winding down travel insurance offerings. It achieved a significant turnaround in motor insurance profitability in 2024, delivered £50 million run-rate cost savings with plans for £100 million by the end of 2025, and improved its net insurance margin target to 13% by 2026. Direct Line continues to invest heavily in technology innovation, allocating over £150 million to digital transformation initiatives that include AI-driven underwriting and claims assessment tools, improving claims processing times by up to 25-30%. Its Green Flag brand remains a key player in roadside assistance, operating a fleet of over 60 patrol vehicles across six UK regions. The company emphasizes customer-centric service, operational efficiency, sustainability, and ethical practices as central to its strategy while maintaining a diversified insurance portfolio targeted at both retail and commercial markets across the UK.

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