Línea Directa Aseguradora S.A (LNDAF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Línea Directa Aseguradora S.A $0.65, price $1.40, upside -53.9%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.7897 – $1.83 · fair‑value band $0.4590 – $0.8925 · the $1.40 price screens above the $0.6460 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros engages in insurance and reinsurance business in Spain and Portugal. The company operates through Automobiles, Home, Health, Other Insurance, and Other Activities segments. The Automobiles segment offers car, third party, motorcycle, theft, fire, and fleet insurance.
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Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros engages in insurance and reinsurance business in Spain and Portugal. The company operates through Automobiles, Home, Health, Other Insurance, and Other Activities segments. The Automobiles segment offers car, third party, motorcycle, theft, fire, and fleet insurance. The Home Insurance segment offers theft damage, civil liability, fire, aesthetic damage, and anti-squatting insurance. The Health Insurance segment provides health care products Vivaz brands. The Other Insurance segment offers travel assistance for credit card holders, wellness insurance, pet insurance, and multi-risk insurance. It also provides vehicle repair services through telephone and internet sales distribution channels. Línea Directa Aseguradora, S.A. was formerly known as Bankinter Aseguradora Directa, S.A. Compañía de Seguros y Reaseguros and changed its name to Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros in January 1995. Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros was incorporated in 1994 and is based in Tres Cantos, Spain.
Stock analysis
Línea Directa Aseguradora S.A (LNDAF) currently trades at $1.40, while our model-based Fair Value estimate is $0.6460, implying the stock looks roughly 116.7% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $0.5500 per share, and 0 of the 6 models we run sit above the $1.40 price.
Bear case: the Asset-Based group reads lowest at $0.2500, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $0.4590 (bear) to $0.8925 (bull), the price of $1.40 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Línea Directa Aseguradora S.A reported revenue of €1.1B in FY2025 versus €928M in FY2021, a compound +4.9%/yr. Reported net income was €85.7M in FY2025, compounding −6.1%/yr from FY2021.
Key figures
Market cap $1.8B · P/E ratio 15.6 · P/S ratio 1.19 · EPS (TTM) $0.0900 · Dividend yield 2.0% · Net margin 7.6% · Return on equity 22.5% · Return on assets (EBIT) 17.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at −54%, LNDAF screens richer than that median.
Fair Value models
Bear $0.4590Fair Value $0.6460Bull $0.8925
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0454 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.72/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−5.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.9%
Dividend (yield on the price)2.0%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.98% → 10%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−5.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+7.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in EUR, euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −7.3% a year for the price and +5.3% for the forecasts.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 119 stocks
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Is Línea Directa Aseguradora S.A (LNDAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.6460 versus a price of $1.40, about −54% upside (overvalued).
What is the fair value of LNDAF?
Our model-based fair value for Línea Directa Aseguradora S.A is $0.6460 (as of Sep 24, 2026), built from audited fundamentals. The current price: $1.40.
What is the quality score of LNDAF?
Línea Directa Aseguradora S.A has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Línea Directa Aseguradora S.A (LNDAF)?
Our model-based price target is the fair value of $0.6460 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $0.4590, optimistic scenario $0.8925. It is a calculation from audited fundamentals, not an analyst target.
What is the Línea Directa Aseguradora S.A stock forecast for 2026?
Our models put fair value at $0.6460, about −54% upside versus a price of $1.40 (overvalued). Cautious scenario $0.4590, optimistic scenario $0.8925. The calculation is refreshed regularly with new filings.
What is the revenue of Línea Directa Aseguradora S.A (LNDAF)?
Línea Directa Aseguradora S.A reported trailing-twelve-month revenue of about €1.1B (latest available figure, as of Sep 24, 2026).
Does Línea Directa Aseguradora S.A pay a dividend?
Línea Directa Aseguradora S.A currently shows a dividend yield of about 2.00% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Línea Directa Aseguradora S.A (LNDAF)?
For today's price to be fair in a discounted-cash-flow model, Línea Directa Aseguradora S.A would have to grow free cash flow by -5.3 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of LNDAF use?
Our models discount Línea Directa Aseguradora S.A at 9.8 %: a base by market capitalisation (small), damped by beta 0.35, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Línea Directa Aseguradora S.A that is -5.3 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Línea Directa Aseguradora S.A (LNDAF) delivered so far?
Over the past 5 years revenue at Línea Directa Aseguradora S.A grew +4.1 % a year. The price currently implies -5.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Línea Directa Aseguradora S.A (LNDAF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Línea Directa Aseguradora S.A (-5.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Línea Directa Aseguradora S.A (LNDAF)?
The free-cash-flow yield on the price is 11.37 %: that much free cash flow Línea Directa Aseguradora S.A produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Línea Directa Aseguradora S.A (LNDAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Línea Directa Aseguradora S.A it is $0.6460 per share (as of Sep 24, 2026), against a price of $1.40. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Línea Directa Aseguradora S.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LNDAF trades above its calculated fair value: price $1.40, fair value $0.6460, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LNDAF?
No. The price is what the market pays today ($1.40); the fair value is what the company's own numbers justify ($0.6460). For Línea Directa Aseguradora S.A the two are $0.7540 per share apart. That gap is exactly why we show both numbers side by side.
How much is Línea Directa Aseguradora S.A worth?
The market values Línea Directa Aseguradora S.A at about $1.8B (market capitalisation, as of Sep 24, 2026). Per share that is $1.40; our models calculate a fair value of $0.6460 per share.
What do the bullish and bearish scenarios say about LNDAF?
Our models span a range for Línea Directa Aseguradora S.A: cautious scenario $0.4590, base $0.6460, optimistic $0.8925 per share (as of Sep 24, 2026, price $1.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LNDAF?
Línea Directa Aseguradora S.A trades at a price-to-earnings ratio of 15.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.6460 is built from several models across several years. Other multiples: P/B 4.4, P/S 1.6, EV/EBITDA 14.8.
How solid is the balance sheet of Línea Directa Aseguradora S.A (LNDAF)?
Balance-sheet figures for Línea Directa Aseguradora S.A (as of Sep 24, 2026): return on equity 22.5%, debt of 0.01 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is LNDAF from its 52-week high?
Línea Directa Aseguradora S.A trades at $1.40, about 9% below its 52-week high of $1.55 and 7% above the low of $1.30 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6460 is for.
Which stocks are comparable to Línea Directa Aseguradora S.A?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Línea Directa Aseguradora S.A stock attractive at the current price?
The data as of Sep 24, 2026: price $1.40, calculated fair value $0.6460 (−54%), Quality Score 59/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LNDAF calculated?
We run Línea Directa Aseguradora S.A through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.6460, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Línea Directa Aseguradora S.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Línea Directa Aseguradora S.A (LNDAF)?
The closing price on Sep 18, 2026 was $1.40. Our model-based fair value is $0.6460, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Línea Directa Aseguradora S.A right now?
The price sits above even our optimistic bull case ($0.8925). The favourable scenario is already priced in. Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($0.4590 to $0.8925) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Línea Directa Aseguradora S.A
How large is the market capitalisation of Línea Directa Aseguradora S.A (LNDAF)?
The market capitalisation of Línea Directa Aseguradora S.A is $1.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Línea Directa Aseguradora S.A (LNDAF)?
The price-to-sales ratio of Línea Directa Aseguradora S.A is 1.19 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Línea Directa Aseguradora S.A (LNDAF)?
Earnings per share at Línea Directa Aseguradora S.A are $0.0900 (price ÷ EPS = P/E 15.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Línea Directa Aseguradora S.A (LNDAF)?
The dividend yield of Línea Directa Aseguradora S.A is 2.0% (payout 31.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Línea Directa Aseguradora S.A (LNDAF)?
The net margin of Línea Directa Aseguradora S.A is 7.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Línea Directa Aseguradora S.A (LNDAF)?
The return on equity (ROE) of Línea Directa Aseguradora S.A is 22.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Línea Directa Aseguradora S.A (LNDAF)?
On an EBIT basis the return on assets of Línea Directa Aseguradora S.A is 17.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Línea Directa Aseguradora S.A (LNDAF)?
The operating margin of Línea Directa Aseguradora S.A is 16.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Línea Directa Aseguradora S.A (LNDAF)?
Revenue at Línea Directa Aseguradora S.A is growing −10.9% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Línea Directa Aseguradora S.A (LNDAF)?
Earnings per share at Línea Directa Aseguradora S.A are growing +11.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Línea Directa Aseguradora S.A (LNDAF) hold?
Línea Directa Aseguradora S.A holds more cash than debt, €12.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026