{"id":24211,"date":"2022-12-09T19:00:50","date_gmt":"2022-12-09T19:00:50","guid":{"rendered":"https:\/\/bvbescu.ro\/premium-info\/?p=24211"},"modified":"2022-12-09T19:00:50","modified_gmt":"2022-12-09T19:00:50","slug":"analiza-fundamentala-transilvania-broker-s-a-t3-2022","status":"publish","type":"post","link":"https:\/\/bvbescu.ro\/premium-info\/analiza-fundamentala-transilvania-broker-s-a-t3-2022\/","title":{"rendered":"Analiza fundamentala Transilvania Broker S.A. – T3 2022"},"content":{"rendered":"

Transilvania Broker de Asigurare S.A. este unul dintre primii 3 brokeri de asigurare din Romania, cu o experienta de peste 10 ani in domeniu si o acoperire nationala formata dintr-o retea de peste 1.800 de colaboratori. Compania a obtinut numeroase premii pentru activitatea desfasurata, fiind multiplu castigatoare a premiilor de performanta oferite de revistele de specialitate in domeniu sau de catre asiguratori, atat la nivel de broker cat si la nivel judetean prin intermediul francizelor sale.<\/p>\n

Transilvania Broker de Asigurare S.A. este primul broker de asigurare listat la Bursa de Valori Bucuresti. Societatea ofera un pachet complet de servicii, de la o gama variata de produse de asigurare obligatorii si facultative, la o retea de inspectori de risc certificati, un parteneriat de asistenta rutiera cu o companie specializata si asistenta in intocmirea dosarului de dauna pentru toti clientii care solicita acest lucru.<\/p>\n

Analiza fundamentala Transilvania Broker S.A. – T3 2022<\/h1>\n

[pms-restrict]<\/p>\n

La 30.09.2022, activele circulante, \u00een propor\u021bie de 81,5% din total active, \u00ee\u0219i majoreaz\u0103 valoarea cu 8,7% fa\u021b\u0103 de \u00eenceputul exerci\u021biului, preponderent pe seama crean\u021belor (+12,7%), dar \u0219i a disponibilit\u0103\u021bilor b\u0103ne\u0219ti (+5,5%). Crean\u021bele, \u00een pondere de 46,6% din total active curente, sunt constituite majoritar din crean\u021be derivate din activitatea de distribu\u021bie.<\/p>\n

Datoriile pe termen scurt s-au majorat cu 14,2% fa\u021b\u0103 de \u00eenceputul anului 2022, preponderent pe seama evolu\u021biei datoriilor legate de activitatea de distribu\u021bie care au crescut cu 1,52 mil lei (+17,8%), dar au \u00eenregistrat o diferen\u021b\u0103 negativ\u0103 fa\u021b\u0103 de 9L 2022 (-28,1%).<\/p>\n

Datoriile pe termen lung se diminueaz\u0103 cu 24%, fa\u021b\u0103 de 9L 2021, ca urmare a reducerii valorii \u00eemprumuturilor bancare pe termen lung, pe fondul ramburs\u0103rilor de tran\u0219e scadente, precum \u0219i a valorii \u201ealtor datorii\u201d, pe m\u0103sura achitarii de pl\u0103\u021bi pentru contractele de leasing financiar.<\/p>\n

Cifra de afaceri creste cu +38,5% fata de 9L 2021, pe fondul cresterii vanzarilor, in timp ce cheltuielile de exploatare au crescut, \u00een aceea\u0219i perioad\u0103, cu 37,6%. Principala contribu\u021bie la cre\u0219terea cheltuielilor de exploatare apar\u021bine cheltuielilor privind sumele datorate asisten\u021bilor, care s-au majorat cu 39,6%. Cheltuielile cu personalul s-au majorat cu 22% fa\u021b\u0103 de 30.09.2021, \u00een acela\u0219i sens cu intensificarea activit\u0103\u021bii.<\/p>\n

Cheltuielile privind serviciile prestate de ter\u021bi au fost similare cu 9L 2021, preponderent pe seama cheltuielilor cu servicii de digitalizare \u0219i dezvoltare a platformei 24Broker, care sau majorat cu 37%.<\/p>\n

Diferenta pozitiva a ritmului de crestere a veniturilor vs. cheltuieli a dus la o majorare a profitului la 9 luni cu +50,6% fata de perioada similara din 2021, respectiv 7,96 mil lei vs. 5,28 mil lei.<\/p>\n

Tabelul de mai jos contine principalii indicatori financiari raportati de companie QoQ si referintele la care se raporteaza. Aceste date nu reprezinta recomand\u0103ri de cump\u0103rare, v\u00e2nzare sau p\u0103strare a unui anumit instrument financiar. Utilizati datele de mai jos tinand cont de propria voastra strategie investitionala. Tranzactionarea pe Piata de capital presupune un grad crescut de risc. Va recomand sa investiti numai in cunostinta de cauza si dupa o documentare prealabila.<\/p>\n\n<\/colgroup>\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Indicatori<\/b><\/td>\n9L 2021<\/b><\/td>\n9L 2022<\/b><\/td>\nReferinta<\/b><\/td>\n<\/tr>\n
<\/td>\nmil lei<\/td>\nmil lei<\/td>\n<\/td>\n<\/tr>\n
Active<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Active imobilizate<\/td>\n4.95<\/td>\n4.69<\/td>\n-5.25%<\/td>\n<\/tr>\n
Active circulante<\/td>\n21.64<\/td>\n20.9<\/td>\n-3.42%<\/td>\n<\/tr>\n
Stocuri<\/td>\n0<\/td>\n0<\/td>\n<\/td>\n<\/tr>\n
Creante de incasat<\/td>\n9.19<\/td>\n9.74<\/td>\n5.98%<\/td>\n<\/tr>\n
Active Totale<\/b><\/td>\n26.59<\/td>\n25.59<\/td>\n-3.76%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Capitaluri proprii si datorii<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Datorii curente<\/td>\n15.56<\/td>\n11.88<\/td>\n-23.65%<\/td>\n<\/tr>\n
Datori pe termen lung<\/td>\n2.51<\/td>\n1.91<\/td>\n-23.90%<\/td>\n<\/tr>\n
Datorii Totale<\/b><\/td>\n18.07<\/td>\n13.79<\/td>\n-23.69%<\/td>\n<\/tr>\n
Capital social<\/td>\n0.5<\/td>\n0.5<\/td>\n0.00%<\/td>\n<\/tr>\n
Capital propriu<\/td>\n8.55<\/td>\n10.61<\/td>\n24.09%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Contul de profit si pierdere<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Cifra de Afaceri<\/td>\n68.72<\/td>\n95.31<\/td>\n38.69%<\/td>\n<\/tr>\n
Cheltuieli cu dobanda<\/td>\n0.079<\/td>\n0.097<\/td>\n22.78%<\/td>\n<\/tr>\n
Cheltuieli totale<\/td>\n63.43<\/td>\n87.35<\/td>\n37.71%<\/td>\n<\/tr>\n
Rezultat din exploatare<\/td>\n6.16<\/td>\n9.21<\/td>\n49.51%<\/td>\n<\/tr>\n
Rezultat brut<\/td>\n6.11<\/td>\n9.21<\/td>\n50.74%<\/td>\n<\/tr>\n
Rezultat net<\/b><\/td>\n5.29<\/td>\n7.96<\/td>\n50.47%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de lichiditate<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Lichiditate curenta<\/td>\n1.39<\/td>\n1.76<\/td>\n>2<\/td>\n<\/tr>\n
Lichiditate imediata<\/td>\n1.39<\/td>\n1.76<\/td>\n>1<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de risc<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Gradul de indatorare<\/td>\n67.96%<\/td>\n53.89%<\/td>\n<30%<\/td>\n<\/tr>\n
Indicatorul privind acoperirea dobanzilor<\/td>\n0.00<\/td>\n0.00<\/td>\n>1<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de activitate<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Viteza de rotatie a stocurilor<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
Numarul de zile de stocare<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
Viteza de rotatie a debitelor<\/td>\n–<\/td>\n–<\/td>\n<25%<\/td>\n<\/tr>\n
Viteza de rotatie a creditelor furnizori<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
Viteza de rotatie a activelor imobilizate<\/td>\n13.88<\/td>\n20.32<\/td>\n<\/td>\n<\/tr>\n
Viteza de rotatie a activelor totale<\/td>\n2.58<\/td>\n3.72<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de profitabilitate<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rentabilitatea capitalului angajat<\/td>\n1.16<\/td>\n1.16<\/td>\n<\/td>\n<\/tr>\n
Marja bruta din vazari<\/td>\n8.89%<\/td>\n9.66%<\/td>\n<\/td>\n<\/tr>\n
Marja neta din vazari<\/td>\n7.70%<\/td>\n8.35%<\/td>\n<\/td>\n<\/tr>\n
Rentabilitate financiara<\/td>\n61.87%<\/td>\n75.02%<\/td>\n<\/td>\n<\/tr>\n
EBIT<\/td>\n6.16<\/td>\n9.21<\/td>\n49.51%<\/td>\n<\/tr>\n
EBITDA<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de solvabilitate<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Solvabilitate generala<\/td>\n1.47<\/td>\n1.86<\/td>\n>1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

[\/pms-restrict]<\/p>\n","protected":false},"excerpt":{"rendered":"

Transilvania Broker de Asigurare S.A. este unul dintre primii 3 brokeri de asigurare din Romania, cu o experienta de peste 10 ani in domeniu si o acoperire nationala formata dintr-o… <\/p>\n","protected":false},"author":1,"featured_media":19705,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[353,502,292,501],"tags":[32,3,88,57,13,293,229],"_links":{"self":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/24211"}],"collection":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/comments?post=24211"}],"version-history":[{"count":1,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/24211\/revisions"}],"predecessor-version":[{"id":24212,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/24211\/revisions\/24212"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media\/19705"}],"wp:attachment":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media?parent=24211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/categories?post=24211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/tags?post=24211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}