Average Score: Lpi Capital (Lpi-Ku)

LPI CAPITAL (LPI-KU)
Insurance / Insurance / Prop. & Casualty Insurance DETAILED STOCK REPORT

Report Date: 2021-Nov-25
Last Close Avg Daily Vol 52-Week High Trailing PE Annual Div ROE LTG Forecast 1-Mo Return
13.94 (MYR) 25,494 14.30 15.1 0.73 28.8% -- -0.4%
2021 November 24 Market Cap 52-Week Low Forward PE Dividend Yield Annual Rev Inst Own 3-Mo Return
MALAYSIA Exchange
5.5B 12.98 15.7 5.2% 1.3B 21.5% 1.6%
AVERAGE SCORE
NEUTRAL OUTLOOK: LPI's current score is Score Averages
relatively in-line with the market. Insurance Group: 7.2 Mid Market Cap: 6.4
Insurance Sector: 7.2 FBM KLCI Index: 6.4
Average Score Trend (4-Week Moving Avg) Peers -6M -3M -1M -1W Current 1Y Trend
Positive P.O 9 8 8 9 9
LPI 8 6 7 8 7
Neutral MPHBCAP 7 8 6 6 7
TAKAFUL 9 8 7 7 6
Negative
MAA 5 4 3 5 5
2018-11 2019-11 2020-11 2021-11
HIGHLIGHTS I/B/E/S MEAN

- The score for Lpi Capital dropped slightly this week from 8 to 7.
Hold Mean recommendation from all analysts covering
- The recent change in the Average Score was due to a decline 5 Analysts the company on a standardized 5-point scale.
in the Price Momentum, Fundamental, and Relative Valuation
component scores.
Strong Strong
Sell Hold Buy
Sell Buy
PRICE AND VOLUME CHARTS

1-Year Return: 7.7% 5-Year Return: 4.3%
BUSINESS SUMMARY
LPI Capital Bhd (LPI) is a Malaysia-based investment holding company. The Company, through its subsidiary, Lonpac Insurance Bhd (Lonpac), is
engaged in providing general insurance. The Company operates through two segments: General insurance, which includes underwriting of all classes
of general insurance business, mainly carried out by Lonpac, and Investment holding, which includes investment holding operations, mainly carried out
by LPI Capital Bhd. Lonpac operates approximately 21 branches in Malaysia and a branch in Singapore. In addition, Campu Lonpac Insurance Plc,
provides insurance solutions in Cambodia. It offers a range of general insurance products, which include employees benefits, health insurance, liability
insurance, motor insurance, marine insurance, pecuniary insurance, personal accident insurance, project insurance, property insurance and trade
credit insurance.
Page 1 of 11
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INDICATOR COMPONENTS
The AVERAGE SCORE combines the quantitative analysis of five widely-used investment decision making tools: Earnings,
Fundamental, Relative Valuation, Risk, and Price Momentum. A simple average of the underlying component ratings is normally
distributed to rank stocks on a 1-10 scale (10 being awarded to the most favorable). These factors may be evaluated differently using
alternative methodologies and the importance of individual factors varies across industries, market capitalization and investment styles.
Additional criteria should always by used to evaluate a stock.
Earnings Fundamental Relative Valuation Risk Price Momentum
PEER ANALYSIS Currency in MYR
PRICE MOMENTUM VALUATION FUNDAMENTAL ANALYSTS

Average Price 1-Mo 3-Mo 1-Yr Market Trailing Forward Dividend Net LTG I/B/E/S # of
Score Ticker (2021-11-24) Return Return Return Cap PE PE Yield Margin Forecast Mean Analysts
7 LPI 13.94 -0.4% 1.6% 7.7% 5.5B 15.1 15.7 5.2% 29.2% -- Hold 5
6 TAKAFUL 3.63 -9.5% -15.6% -24.1% 3.1B 8.2 7.9 3.3% 14.0% -- Buy 8
8 ALLIANZ 13.00 -1.4% 2.7% -5.1% 2.3B 11.6 9.3 4.5% 8.0% -- Buy 5
7 MPHBCAP 1.35 -2.9% -10.0% 45.2% 972M 87.4 -- -- 2.2% -- -- --
9 MNRB 1.20 -9.1% -14.3% 28.3% 948M 5.2 -- 3.3% 7.1% -- -- --
10 MANULFE 2.26 -5.8% -3.0% 13.0% 489M 6.1 -- 3.1% 5.3% -- -- --
4 TUNEPRO 0.46 -7.1% 0.0% 31.4% 357M 24.2 17.7 -- -0.7% -- Hold 3
9 P.O 0.92 -1.1% -1.6% 6.4% 268M -- -- 5.5% -0.3% -- -- --
5 MAA 0.68 -4.9% -11.2% 1.5% 186M 3.6 -- -- 36.4% -- -- --
7.2 Average 4.16 -4.7% -5.7% 11.6% 1.6B 20.2 12.7 4.2% 11.2% -- Buy 5.3
PEER COMPANIES
ALLIANZ Allianz Malaysia MPHBCAP MPHB Capital
MAA MAA Group P.O Pacific & Orient Berhad
MANULFE Manulife Holdings TAKAFUL Syarikat Takaful Malaysia
MNRB MNRB Holdings TUNEPRO Tune Protect Group
Page 2 of 11
EARNINGS Currency in MYR
NEUTRAL OUTLOOK: Mixed earnings Earnings Score Averages

expectations and performance. Insurance Group: 3.0 Mid Market Cap: 5.6
Earnings Score Trend (4-Week Moving Avg) Peers -6M -3M -1M -1W Current 1Y Trend
Positive LPI 7 5 5 5 5
TAKAFUL 10 8 9 6 4
Neutral MAA NR NR NR NR NR
MPHBCAP NR NR NR NR NR
Negative
P.O NR NR NR NR NR
2018-11 2019-11 2020-11 2021-11
EARNINGS INDICATORS
Earnings Surprises Estimate Revisions Recommendation Changes
(33.3% weight) (33.3% weight) (33.3% weight)
TAKAFUL
LPI LPI
LPI
TAKAFUL
TAKAFUL
MAA MAA MAA

MPHBCAP MPHBCAP MPHBCAP
P.O P.O P.O
Last 4 Years Last 4 Weeks Last 120 Days

# Positive Surprises (>2%) 1 # Up Revisions 0 # Broker Upgrades 0
# Negative Surprises (<-2%) 1 # Down Revisions 0 # Broker Downgrades 2
# In-Line Surprises (within 2%) 2 Avg Up Revisions 0.0%
Avg Surprise -0.1% Avg Down Revisions 0.0%
HIGHLIGHTS PRICE TARGET

- Lpi Capital currently has a relatively neutral Earnings Rating of 5. The The chart indicates where analysts predict the stock price will be within
average Earnings Rating for its Prop & Casualty Insurance industry is the next 12 months, as compared to the current price.
5.0 and the FTSE BURSA MALAYSIA COMPOSITE index average is
5.6. 15.30 12-Month Price Target
Mean (MYR) 14.50
15.00
HIGH High 14.80
14.70
MEAN
Low 14.20
14.40 Target vs. Current 4.0%
LOW
14.10 13.94 # of Analysts 4
13.80
Current Price Price Target
(MYR)
Page 3 of 11
EARNINGS PER SHARE

Actuals Estimates
Earnings per share (EPS) is calculated Quarterly -- --

by dividing a company's earnings by the Mean -- --
number of shares outstanding. Analysts Quarterly data is not available
tend to interpret a pattern of increasing High -- --
earnings as a sign of strength and flat Low -- --
or falling earnings as a sign of
# of Analysts -- --
weakness.
The charts provide a comparison NA NA NA NA

between a company's actual and
estimated EPS, including the high and Actuals Estimates
low forecasts. 1.200
1.100 Annual 2021 2022

Mean 0.887 0.890
1.000 HIGH
High 0.980 1.000
0.900 0.845 MEAN Low 0.851 0.730
0.809
0.800 # of Analysts 5 5
LOW
0.700
2019 2020 2021 2022
MEAN ESTIMATE TREND ANALYST RECOMMENDATIONS

Q Q Y Y Price I/B/E/S Mean: Hold (5 Analysts)
-- -- 2021 2022 Target
Current -- -- 0.887 0.890 14.50
Strong Buy 0
30 Days Ago -- -- 0.887 0.904 14.40 Buy 2
90 Days Ago -- -- 0.870 0.911 14.90 Hold 3
% Change (90 Days) -- -- 2.0% -2.3% -2.7%
Sell 0
Current Fiscal Year End: 21-12
Next Expected Report Date: 2022-02-01 Strong Sell 0
EARNINGS SURPRISES
Comparing a company's actual earnings to the mean expectation of Surprise Detail (Last 6 Periods)
analysts results in a difference referred to as a 'positive' or 'negative'
surprise. Research has shown that when a company reports a Surprise Announce Period End Actual Mean Surprise
surprise, it is often followed by more of the same surprise type. Type Date Date EPS EPS (%)
Surprise Summary (Last 6 Years) Positive 2021-02-03 2020-12-31 0.845 0.821 2.9%
Negative 2020-02-03 2019-12-31 0.809 0.839 -3.6%
Surprise Type Amount Percent
In-Line 2019-01-28 2018-12-31 0.794 0.804 -1.2%
Positive Years (> 2%) 3 50.0%
In-Line 2018-01-10 2017-12-31 0.787 0.776 1.4%
Negative Years (< -2%) 1 16.7%
Positive 2017-02-05 2016-12-31 1.097 0.850 29.1%
In-Line Years (within 2%) 2 33.3%
Positive 2016-01-26 2015-12-31 0.806 0.643 25.3%
ANNUAL REVENUE
A pattern of increasing sales in Actuals Estimates
conjunction with a rising EPS may
influence a buy recommendation, while 1.8B
2021 2022
flat or falling sales and faltering 1.8B
earnings may explain a sell HIGH Mean 1.7B 1.7B
recommendation. A rising EPS with flat 1.7B MEAN High 1.7B 1.8B
or falling sales may result from
increased cost efficiency and margins, 1.7B
LOW Low 1.6B 1.7B
rather than market expansion. This Forecasted Growth 2.5% 6.1%
chart shows the sales forecast trend of 1.6B 1.6B
1.6B # of Analysts 2 2
all analysts and the highest and lowest
projections for the current and next 1.6B
2019 2020 2021 2022
fiscal year.
Page 4 of 11
FUNDAMENTAL
NEUTRAL OUTLOOK: Fundamentals relatively Fundamental Score Averages
in-line with the market. Insurance Group: 6.2 Mid Market Cap: 6.2
Q4 Q1 Q2 Q3
Fundamental Score Trend Peers 2020 2021 2021 2021 Current 3Y Trend
MPHBCAP 7 NR NR NR 9
Positive
LPI 4 7 7 7 7
Neutral P.O 6 7 6 6 6
Negative TAKAFUL 4 NR NR NR 5
Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 MAA 2 NR NR NR 1
2019 2020 2021
FUNDAMENTAL INDICATORS
Profitability Debt Earnings Quality Dividend
(25% weight) (25% weight) (25% weight) (25% weight)
LPI P.O
MPHBC… P.O
TAKAF… MPHBC…
MAA LPI TAKAF… TAKAF…

MPHBC… MAA LPI LPI
TAKAF…
P.O MAA MAA
P.O
MPHBC…
Revenue Growth -0.7% Current Ratio --

Oper. Cash Yield -13.7% Dividend Growth 2.8%
For year over year For interim period For latest 12 months For year over year
ending 2021-09 ending -- ending 2021-09 ending 2021-09
Gross Margin -- Debt-to-Capital 2.1% Accruals 7.1% Dividend Payout 79.3%
For latest 12 months For annual period For latest 12 months For latest 12 months
ending -- ending 2020-12 ending 2020-12 ending 2021-09
Return On Equity 28.8% Interest Funding 0.5% Days Sales In Inv. -- Dividend Coverage --
For interim period For interim period For annual period For annual period
ending 2021-09 ending 2021-03 ending -- ending --
Net Margin 29.2% Interest Coverage 236.3 Days Sales In Rec. -- Current Div. Yield 5.2%
For latest 12 months For interim period For annual period For latest 12 months
ending 2021-09 ending 2020-12 ending -- ending 2021-11
HIGHLIGHTS
- Lpi Capital currently has a Fundamental Rating of 7. The average - The company's operating cash yield has been lower than its industry
Fundamental Rating for its Insurance industry group is 6.2 and the group average for each of the past five years.
FTSE BURSA MALAYSIA COMPOSITE index average is 6.1. - Of the 9 firms within the Insurance industry group, Lpi Capital is
- The return on equity of 28.8% for LPI is the highest within its among 6 companies that pay a dividend. The stock's dividend yield is
Insurance industry group. currently 5.2%.
- LPI's debt-to-capital of 2.1% is substantially above the Insurance
industry group average of 1.1%.
Page 5 of 11
RELATIVE VALUATION
NEGATIVE OUTLOOK: Multiples significantly Relative Valuation Score Averages
above the market or the stock's historic norms. Insurance Group: 6.7 Mid Market Cap: 4.8
Relative Valuation Score Trend (4-Week Moving Avg) Peers -6M -3M -1M -1W Current 1Y Trend
Positive TAKAFUL 9 8 9 9 9
MAA 8 8 7 7 7
Neutral P.O NR 5 6 6 6
LPI 4 3 4 4 3
Negative
MPHBCAP 4 2 2 2 2
2018-11 2019-11 2020-11 2021-11
RELATIVE VALUATION INDICATORS

Price to Sales Trailing PE Forward PE
(50% weight) (25% weight) (25% weight)
MAA
TAKAFUL
TAKAFUL
P.O
TAKAFUL
LPI LPI
MAA
MPHBCAP
LPI MPHBCAP
P.O MAA
MPHBCAP
P.O
Price to Sales 4.5 Trailing PE 15.1 Forward PE 15.7

5-Yr Average 4.9 5-Yr Average 17.7 5-Yr Average 18.2
Rel. to 5-Yr Avg. 9% Discount Rel. to 5-Yr Avg. 14% Discount Rel. to 5-Yr Avg. 14% Discount
FBM KLCI Index 2.5 FBM KLCI Index 15.7 FBM KLCI Index 15.9
Rel. to FBM KLCI 76% Premium Rel. to FBM KLCI 3% Discount Rel. to FBM KLCI 1% Discount
HIGHLIGHTS
- Lpi Capital currently has a Relative Valuation Rating of 3 which is - LPI's Trailing P/E of 15.1 represents a 14% Discount to its 5-year
significantly below the FTSE BURSA MALAYSIA COMPOSITE index average of 17.7.
average rating of 4.1. - LPI's Forward P/E of 15.7 represents a 14% Discount to its 5-year
- LPI's Price to Sales ratio of 4.5 represents a 9% Discount to its 5-year average of 18.2.
average of 4.9.
Page 6 of 11
PRICE TO SALES TRAILING PE

The most recent week's close price divided by the revenue per share. The most recent week's close price divided by the sum of the four most
recently reported quarterly earnings.
Price to Sales: 4.5 Trailing PE: 15.1
5-Year Average: 4.9 5-Year Average: 17.7
FBM KLCI Index Average: 2.5 FBM KLCI Index Average: 15.7
Insurance Group Average: 0.9 Insurance Group Average: 11.1
20.0 30
18.0 28
16.0 26
14.0 24
12.0 22
10.0 20
8.0 18 5-Yr Average
6.0 16
5-Yr Average
4.0 14
2.0 12
0.0 10
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021
FORWARD PE FORWARD PEG

The most recent week's close price divided by the sum of the four The Forward P/E divided by the five-year forecasted growth rate.
upcoming quarterly consensus estimates.
Forward PE: 15.7 Forward PEG: --
5-Year Average: 18.2 5-Year Average: --
FBM KLCI Index Average: 15.9 FBM KLCI Index Average: 1.1
Insurance Group Average: 14.0 Insurance Group Average: --
23 >5.0
22 4.5
21 4.0
20 3.5
19 3.0
18 5-Yr Average 2.5 This valuation data is not available
17 2.0
16 1.5
15 1.0
14 0.5
13 <0.0
2017 2018 2019 2020 2021 2017 2018 2019 2020 2021
Page 7 of 11
RISK
POSITIVE OUTLOOK: Consistent return Risk Score Averages
patterns (low volatility). Insurance Group: 8.8 Mid Market Cap: 7.5
Risk Score Trend (4-Week Moving Avg) Peers -6M -3M -1M -1W Current 1Y Trend
Positive LPI 10 10 10 10 10
TAKAFUL 9 10 9 10 10
Neutral MPHBCAP 5 8 10 9 9
P.O 10 9 10 10 9
Negative
MAA 2 7 5 6 6
2018-11 2019-11 2020-11 2021-11
RISK INDICATORS
Magnitude of Returns Volatility Beta (1-year) Correlation
(25% weight) (25% weight) (25% weight) (25% weight)
LPI
LPI
P.O MPHBC…
P.O
TAKAF… LPI LPI
MPHBC…
MAA TAKAF…
TAKAF…
MPHBC…
TAKAF…
MAA
MAA MPHBC…
P.O
P.O
MAA
Daily Returns (Last 90 Days) Standard Deviation Beta vs. FBM KLCI 0.21 Correlation vs. FBM KLCI
Best 1.2% Last 90 Days 0.41 Positive Days Only 0.22 Last 90 Days 17%
Worst -1.1% Last 60 Months 4.10 Negative Days Only 0.29 Last 60 Months 48%
Monthly Returns (Last 60 Months) Intra-Day Swing (Last 90 Days) Beta vs. Group 0.28 Correlation vs. Group
Best 12.6% Average 0.5% Positive Days Only 0.11 Last 90 Days 27%
Worst -20.0% Largest 1.3% Negative Days Only 0.55 Last 60 Months 76%
HIGHLIGHTS RISK ANALYSIS

- Lpi Capital currently has a Risk Rating of 10 while the FTSE Last 90 Days Last 60 Months
BURSA MALAYSIA COMPOSITE index has an average rating Best Worst # # Largest Best Worst
of 8.7. Daily Daily Days Days Intra-Day Monthly Monthly
- On days when the market is up, LPI shares tend to lag the Peers Return Return Up Down Swing Return Return
FTSE BURSA MALAYSIA COMPOSITE index. However, on LPI 1.2% -1.1% 24 23 1.3% 12.6% -20.0%
days when the market is down, the shares generally decrease
less than the index. MAA 4.4% -5.9% 24 25 4.9% 69.8% -27.4%
- In the short term, LPI has shown low correlation (>= -0.1 and < MPHBCAP 4.5% -4.2% 19 30 9.6% 32.4% -41.0%
0.2) with the FTSE BURSA MALAYSIA COMPOSITE index.
The stock has, however, shown high correlation (>= 0.4) with P.O 2.7% -5.2% 20 19 5.5% 10.0% -9.0%
the market in the long term.
TAKAFUL 5.1% -3.5% 22 37 6.4% 35.7% -31.4%
- Over the last 90 days, LPI shares have been less volatile than
the overall market, as the stock's daily price has fluctuated less FBM KLCI 1.9% -2.0% 29 31 1.8% 7.1% -8.9%
than 99% of FTSE BURSA MALAYSIA COMPOSITE index
firms.
Page 8 of 11
PRICE MOMENTUM Currency in MYR
NEUTRAL OUTLOOK: Performance relatively Price Momentum Score Averages

in-line with the market. Insurance Group: 5.6 Mid Market Cap: 5.8
Price Momentum Score Trend (4-Week Moving Avg) Peers -6M -3M -1M -1W Current 1Y Trend
Positive P.O 8 8 6 8 9
LPI 6 5 6 8 6
Neutral MAA 6 1 2 5 6
MPHBCAP 6 7 2 3 6
Negative
TAKAFUL 3 3 1 1 1
2018-11 2019-11 2020-11 2021-11
PRICE MOMENTUM INDICATORS

Relative Strength Seasonality
(70% weight) (30% weight)
P.O
LPI
LPI
MAA
MAA
P.O
MPHBCAP
MPHBCAP
TAKAFUL TAKAFUL
Relative Strength Indicator (Scale from 1 to 100) Average Monthly Return (Last 10 Years)
LPI Industry Avg Nov Dec Jan
Last 1 Month 48 49 Company Avg -1.0% 3.2% -0.1%
Last 3 Months 51 50 Industry Avg -0.2% 1.2% 1.6%
Last 6 Months 51 51 Industry Rank 29 of 51 25 of 50 26 of 51
PRICE PERFORMANCE
Daily close prices are used to calculate the LPI LPI FBM KLCI
performance of the stock as compared to a
FBM KLCI Close Price (2021-11-24) 13.94 1,522
relevant index over five time periods.
52-Week High 14.30 1,685
0.1%
1-Week 52-Week Low 12.98 1,490
-0.2%
-0.4% - On 2021-11-24, LPI closed at 13.94, 2.5% below its 52-week

1-Month
-4.1% high and 7.4% above its 52-week low.
- LPI shares are currently trading 0.3% below their 50-day
1.6%
3-Month moving average of 13.99, and 0.9% above their 200-day
-2% moving average of 13.81.
1.6% - The FTSE BURSA MALAYSIA COMPOSITE index is currently
YTD 9.6% below its 52-week high and 2.2% above its 52-week low.
-6.5%
7.7%
1-Year
-3.6%
Page 9 of 11
DETAILED STOCK REPORT TIPS Mean Estimate Trend

The mean estimates show how the consensus has changed over the past 30 days
The Stock Report from Refinitiv is a comprehensive, company-specific analysis that and 90 days for the upcoming two quarters (when available) and two years. The
includes a proprietary Stock Rating along with underlying component indicators and percentage change is calculated for the company as a means for comparison by
supportive data elements. The report is updated daily, although some of the data measuring the difference between the current consensus estimate and that of 90
elements and the ratings are updated weekly. days ago.
Average Score Analyst Recommendations
The Stock Reports Plus Average Score combines a quantitative analysis of five The I/B/E/S Mean is the average recommendation of all analysts covering the stock,
widely-used investment decision making tools - Earnings, Fundamental, Relative as provided by I/B/E/S, the Institutional Brokers Estimate System, from Refinitiv.
Valuation, Risk, and Price Momentum. First, a simple average of the five underlying The recommendations are presented on a five-point standardized scale: strong buy,
component ratings is calculated. Then, a normal distribution is used to rank each buy, hold, reduce, and sell.
stock across the market on a scale of 1 to 10, with 10 being most favorable. A
score of 8 to 10 is considered positive, 4 to 7 is neutral, and 1 to 3 is negative. Earnings Surprises
These five factors may be evaluated differently using alternative methodologies, ● The surprise summary includes the total number of time periods (and
and the importance of individual factors varies across industry groups, market percentage) in the last 12 quarters (quarterly) or last 4 years (annual) in which
capitalization and investment styles. Additional criteria should always be used to earnings surprises were positive, negative, or in-line. In order to be recognized
evaluate a stock. as a positive or negative surprise, the percent must be greater than 2% above or
2% below the consensus, respectively.
A company must have sufficient data available for at least three of the five ● The surprise detail section includes a listing of the company's quarterly earnings
component indicators in order to receive an overall Average Score. Approximately reported for the most recent 6 periods (quarters or years). The consensus
85% of the stocks within the coverage universe meet the criteria to generate a analyst estimate is provided to determine if the actual earnings report
score. represented a positive surprise, negative surprise, or in-line result.
Indicator Components Fundamental
The five indicators that comprise the stock rating are displayed. Like the stock The Fundamental Rating is based on a combination of four fundamental component
rating, the component rating scale is 1 to 10, with 10 being best. A company will factors: profitability, debt, earnings quality, and dividend. Companies that do not
receive an ‘NR’ for No Rating if the required data elements or criteria are not met. A pay a dividend are not penalized. Each factor is equally weighted. Then, equal
detailed section for each component is included in the report. deciles are used to rank each stock across the market on a scale of 1 to 10, with 10
being most favorable. A stock needs to have at least two of the four fundamental
Indicator Trends factors present in order to receive a score.
Within each component section, historical score trends are displayed, typically using
a 4-week moving average over a timeframe of the past three years. The dotted ● Profitability is comprised of four data elements.
orange line indicates the average of the scores over those three years. The most - Revenue Growth: (Net Sales – Previous Net Sales) / Previous Net Sales
recent occurrences of the best and worst scores are also displayed on the chart in - Gross Margin: Gross Profit / Net Sales
grey boxes to put the current score into historical context. - Return on Equity: Net Income / Total Equity
- Net Margin: Net Profit / Net Sales
Next to the trend chart for the company, current score averages are included, along ● Debt is comprised of four data elements.
with peer company comparisons of values from 6 months ago, 3 months ago, 1 - Current Ratio: Current Assets / Current Liabilities
month ago, the most recent value from 1 week ago, and the current score. The four - Debt-to-Capital: Total Debt / Total Capital
closest industry peers are presented based on similar market capitalization. - Interest Funding: (Interest Expense on Debt + Preferred Cash Dividends) /
Funds from Operations
Peer Analysis - Interest Coverage: Earnings before Interest and Taxes / (Interest Expense on
● The Refinitiv Business Classification (TRBC) schema is used for industry Debt + Preferred Cash Dividends)
comparisons. It is designed to track and display the primary business of a ● Earnings Quality is comprised of four data elements.
corporation by grouping together correlated companies that offer products and - Operating Cash Yield: (Operating Cash Flow – Net Income) / Net Income
services into similar end markets. The system includes 10 Economic Sectors, 28 - Accruals: (Net Income – Operating Cash Flow – Investing Cash Flow) /
Business Sectors, 54 Industry Groups, and 136 Industries. Average Net Operating Assets
● The Peer Analysis section of the report compares the company to its ten closest - Days Sales in Inventory: 365 / (Cost of Goods Sold / Inventory)
peers. The peers are selected from the industry based on similar market - Days Sales in Receivables: 365 / (Net Sales / Receivables)
capitalization. The peer listing may have fewer than ten companies if there are ● Dividend is comprised of four data elements. The company must have a current
fewer than ten companies within that industry classification. dividend yield.
- Dividend Growth Rate: (Dividends per Share – Previous Dividends per Share)
Highlights / Previous Dividends per Share
The automated text-generation system from Refinitiv creates highlights - Dividend Payout: Dividends per Share / Earnings per Share
summarizing the most noteworthy data. The bullets will vary by company and will - Dividend Coverage: Funds from Operations / Cash Dividends
change from week to week as different criteria are met. - Dividend Yield: Annual Dividends per Share / Current Market Price per Share
Earnings Indicator Trend

The Earnings Rating is based on a combination of three factors: earnings surprise, The fundamental indicator trend displays either quarterly scores over the past three
estimate revision, and recommendation changes. Each factor is equally weighted. years or annual scores over the past six years, depending on the reporting periods
Then, equal deciles are used to rank each stock across the market on a scale of 1 for the country. The best and worst scores can be easily determined from the
to 10, with 10 being most favorable. A stock needs to have at least two of the three values shown on the chart for each quarter or year.
earnings factors in order to receive a score.
Relative Valuation
● Earnings Surprises - The number of positive and negative surprises within the The Relative Valuation Rating is based on a combination of three component
last 4 periods (quarters or years). factors: Price to Sales (50% weight), Trailing P/E (25% weight), and Forward P/E
● Estimate Revisions - The number of up and down revisions and the average (25% weight). After the weightings are considered to combine individual factors,
percentage change of those revisions within a 4 week period. equal deciles are used to rank each stock across the market on a scale of 1 to 10,
● Recommendation Changes - The number of broker upgrades and downgrades in with 10 being most favorable. These common valuation metrics are evaluated
the last 120 days. against the overall market, the index, and the company's own historic 5-year
averages. A stock needs to have at least one of the three relative valuation factors
Price Target in order to receive a score.
The price target is based on the predictions of analysts covering the stock and
shows the high, low and mean price expected within the next 12 months. ● Price to Sales: Close Price / (Sales for 4 Quarters or 1 Year / Shares
Outstanding)
Earnings Per Share ● Trailing P/E: Close Price / Most Recent 4 Quarters or 1 Year of Earnings
The quarterly and annual earnings per share are presented when available, along ● Forward P/E: Close Price / Upcoming 4 Quarters or 1 Year of Earnings
with the mean, high and low. Quarterly data is displayed for the past 4 quarters
(actual) and the next 2 quarters (estimated). Annual data is displayed for the past 2
years (actual) and the next 2 years (estimated).
Page 10 of 11
Valuation Averages
Negative values are excluded when calculating the averages. A maximum value of
100 is placed on Trailing P/E and Forward P/E, a maximum value of 5 is placed on
Forward PEG, and a maximum value of 20 is placed on Price to Sales when
calculating the averages. Higher values are rounded down to the maximum for the
averages.
Valuation Multiples
The valuation multiples provide the Trailing P/E, Forward P/E, Forward PEG, and
Price to Sales for the company and the S&P 500 index average. In addition, a
comparison of the current company’s values to its 5-year average and an industry
average are presented. A discount occurs when the company’s ratio is valued
more favorably (lower) than that to which it is compared.
Risk
The Risk Rating displays stocks on a scale of 1 to 10 with 10 being awarded to the
least risky stocks. It is derived by looking at a series of long-term (5-year) and
short-term (90-day) stock performance measures including volatility, magnitude of
returns, beta, and correlation. Each factor is equally weighted. Then, equal deciles
are used to rank each stock across the market. A stock needs to have at least two
of the four risk factors in order to receive a score.
● Magnitude of Returns – The best / worst daily returns in the past 90 days and the
best / worst monthly returns in the past 60 months.
● Volatility – The standard deviation of the stock price over the last 90 days and
last 60 months, along with the average and largest intra-day stock swing.
● Beta – Measures the tendency of a security’s returns to respond to swings in the
market, based on the beta of the company versus the relevant index.
● Correlation – Determines how closely the returns of the stock and the relevant
index move together, measured over the last 90 days and last 60 months.
Risk Analysis
Price analysis for the company and the relevant index is provided over two time
periods. Daily analysis is provided for the last 90 days, whereas monthly statistics
are used for the last 60 months.
Price Momentum
The Price Momentum Rating is based on a combination of two technical
performance factors: relative strength (70% weight) and seasonality (30% weight).
After the weightings are considered to combine individual factors, equal deciles are
used to rank each stock across the market on a scale of 1 to 10, with 10 being most
favorable. A stock needs to have data for the relative strength factor in order to
receive a score.
● Relative Strength – The relative strength of the company for the last 1 month, 3
months, and 6 months on a scale of 1 to 100.
● Seasonality – The average monthly return (price performance) for the current
month and next 2 months for the company and industry, over the past 10 years.
A lower industry rank indicates a higher return.
Price Performance
Daily close prices are used to calculate the price performance of the stock. The
performance of the relevant index is also displayed as a means of comparison.
DISCLAIMER
© 2020 Refinitiv. Republication or redistribution of Refinitiv content, including by
framing or similar means, is prohibited without the prior written consent of Refinitiv.
All information in this report is assumed to be accurate to the best of our ability.
Refinitiv is not liable for any errors or delays in Refinitiv content, or for any actions
taken in reliance on such content.
Any forward-looking statements included in the Refinitiv content are based on

certain assumptions and are subject to a number of risks and uncertainties that
could cause actual results to differ materially from current expectations. There is no
assurance that any forward-looking statements will materialize.
The content in this Refinitiv report does not constitute investment advice or a
recommendation to buy or sell securities of any kind. Past performance is not a
guarantee of future results. Investors should consider this report as only a single
factor when making an investment decision.
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Average Score: Lpi Capital (Lpi-Ku)

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Average Score: Lpi Capital (Lpi-Ku)

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LPI CAPITAL (LPI-KU)

Insurance / Insurance / Prop. & Casualty Insurance DETAILED STOCK REPORT

HIGHLIGHTS I/B/E/S MEAN

PRICE AND VOLUME CHARTS

Earnings Fundamental Relative Valuation Risk Price Momentum

PEER ANALYSIS Currency in MYR

PRICE MOMENTUM VALUATION FUNDAMENTAL ANALYSTS

EARNINGS Currency in MYR

NEUTRAL OUTLOOK: Mixed earnings Earnings Score Averages

MAA MAA MAA

Last 4 Years Last 4 Weeks Last 120 Days

HIGHLIGHTS PRICE TARGET

EARNINGS PER SHARE

Earnings per share (EPS) is calculated Quarterly -- --

The charts provide a comparison NA NA NA NA

1.100 Annual 2021 2022

MEAN ESTIMATE TREND ANALYST RECOMMENDATIONS

MAA LPI TAKAF… TAKAF…

Revenue Growth -0.7% Current Ratio --

RELATIVE VALUATION INDICATORS

Price to Sales 4.5 Trailing PE 15.1 Forward PE 15.7

PRICE TO SALES TRAILING PE

FORWARD PE FORWARD PEG

HIGHLIGHTS RISK ANALYSIS

PRICE MOMENTUM Currency in MYR

NEUTRAL OUTLOOK: Performance relatively Price Momentum Score Averages

PRICE MOMENTUM INDICATORS

-0.4% - On 2021-11-24, LPI closed at 13.94, 2.5% below its 52-week

DETAILED STOCK REPORT TIPS Mean Estimate Trend

Earnings Indicator Trend

Any forward-looking statements included in the Refinitiv content are based on

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