Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros (BME:LDA)

Spain · Delayed Price · Currency is EUR

1.214

+0.022 (1.85%)

Nov 2, 2026, 5:35 PM CET

BME:LDA Financials Overview

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,233	1,133	1,046	1,017	980.41	927.72
Revenue Growth	6.42%	8.27%	2.91%	3.69%	5.68%	0.89%
Operating Income	139.29	114.54	82.74	-6.24	72.24	145.17
Net Income	106.45	85.71	64.22	-4.39	63.13	110.14
Earnings Per Share	0.10	0.08	0.06	-0.00	0.06	0.10
EPS Growth	-	33.46%	-	-	-41.97%	-19.28%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Auto	906.07	834.76	809.54	817.05	797.64
Health	40.38	35.38	32.66	19.38	17.46
Home	169.51	159.06	151.57	135.52	124.08
Other Insurance	2.93	1.2	0.81	1.11	1.45
Total	1,119	1,030	994.57	973.05	950.98

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	21.46	14.89	14.61	39.65	49.56	113.69
Total Debt	429.65	2.5	2.83	2.04	3.77	129.29
Net Cash (Debt)	-408.19	12.39	11.78	37.61	45.79	-15.6
Net Cash Growth	-	5.14%	-68.67%	-17.88%	-	-
Net Cash Per Share	-0.38	0.01	0.01	0.03	0.04	-0.01

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	140.95	82.4	62.49	70.88	88.66
Capital Expenditures	-	-3.74	-3.05	-1.48	-1.98	-3.47
Free Cash Flow	-	137.21	79.35	61.01	68.91	85.19
Free Cash Flow Growth	-	72.91%	30.07%	-11.46%	-19.12%	-6.04%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	11.30%	10.11%	7.91%	-0.61%	7.37%	15.65%
Pretax Margin	11.27%	10.08%	7.96%	-0.64%	8.52%	15.65%
Profit Margin	8.64%	7.57%	6.14%	-0.43%	6.44%	11.87%
FCF Margin	-	12.11%	7.58%	6.00%	7.03%	9.18%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.028	0.028	0.041	-	0.049	0.091
Dividend Per Share Growth	6.65%	-33.30%	-	-	-46.76%	-
Dividend Yield	2.27%	2.46%	3.82%	-	4.70%	5.66%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	12.40	14.20	18.37	-	17.78	15.89
Forward PE	11.70	12.65	17.26	27.54	12.29	15.44
P/FCF Ratio	8.98	8.87	14.86	15.18	16.29	20.54
PS Ratio	1.07	1.07	1.13	0.91	1.15	1.89