RSA Insurance Group plc 7.375% CUM IRR PRF GBP1

As of December 31, 2006, RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 has 2.99B shares outstanding.

As of December 31, 2006, RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 trades at an EV/EBITDA multiple of 0.04 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 0.00 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 0.04 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 trades at an EV/FCF ratio of 0.07, comparing the total takeover cost of the business to the cash it actually generates for all capital providers.

These figures are as of December 31, 2006. The debt-to-equity ratio is 41.49, indicating elevated leverage, while an interest coverage ratio of 5.53 demonstrates adequate ability to service its debt obligations.

Over the twelve months ended December 31, 2006, RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 posted a negative return on equity (ROE) of -4.04, meaning shareholder capital produced losses rather than profits. Return on invested capital (ROIC) comes in at 12.60 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) is negative at -0.22, reflecting losses generated across the asset base. Return on capital employed (ROCE) is 0.48, useful for judging operating efficiency across full business cycles.

These figures cover the twelve months ended December 31, 2006. That works out to an effective tax rate of 26.19, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items.

Over the twelve months ended December 31, 2006, RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 posted a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of 12.61 and net profit margin of -0.88 provide insight into operational efficiency.

As of December 31, 2006, RSA Insurance Group plc 7.375% CUM IRR PRF GBP1 has an Altman Z-Score of 0.40, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.