OUTsurance Group Limited (RMRHF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
OUTsurance Group Limited (RMRHF) trades at $1.87. OUTsurance Group Limited provides a range of insurance and investment products across South Africa, Australia, and Ireland. Market cap: $6.38B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for RMRHF: RMRHF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates RMRHF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
RMRHF: 1/1 perspectives are bearish.
How is this calculated? →OUTsurance Group Limited (RMRHF) Financial Services Profile
OUTsurance Group Limited, a financial services provider with a $6.38B market cap, offers diversified insurance products across South Africa, Australia, and Ireland. Operating with a profit margin of 8.1% and a beta of 0.50, the company caters to individuals and SMEs, distinguishing itself through a multi-segment operational structure.
What Is the Investment Thesis for RMRHF?
OUTsurance Group Limited presents a compelling investment case based on its diversified insurance offerings and expanding geographic presence. The company's strong foothold in South Africa, coupled with its operations in Australia and Ireland, provides a balanced revenue stream. With a market capitalization of $6.38B and a P/E ratio of 21.8, OUTsurance demonstrates financial stability. The company's 8.1% profit margin and 100% gross margin highlight its operational efficiency. Key growth catalysts include expanding its Fintech investments and increasing market share in its existing operational regions. However, potential risks include regulatory changes in the financial services sector and increased competition from established and emerging insurance providers. The company's beta of 0.50 suggests lower volatility compared to the market, potentially appealing to risk-averse investors.
Based on FMP financials and quantitative analysis
RMRHF Key Highlights
- Market capitalization of $6.38B, reflecting substantial investor confidence.
- P/E ratio of 21.8, indicating a valuation in line with earnings.
- Profit margin of 8.1%, showcasing effective cost management and profitability.
- Gross margin of 100.0%, suggesting efficient core business operations.
- Beta of 0.50, indicating lower volatility compared to the broader market.
Who Are RMRHF's Competitors?
RMRHF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AFOVF Australian Foundation Investment Company Limited | $4.61 | +0.00% | $5.70B | 48 |
| DCYHY Discovery Limited | $42.95 | +58.20% | $9.58B | 56 |
| DIISF Direct Line Insurance Group plc | $3.48 | -16.55% | $4.53B | 58 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| FDIAY UnipolSai Assicurazioni S.p.A. | $9.02 | +0.00% | $6.38B | 58 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are RMRHF's Key Strengths?
- Diversified insurance product offerings.
- Geographic presence in multiple countries.
- Investments in Fintech and asset management.
- Established brand reputation.
What Are RMRHF's Weaknesses?
- Reliance on specific geographic markets.
- Exposure to regulatory changes in the financial services sector.
- Competition from established and emerging insurance providers.
- Potential impact of economic downturns on insurance demand.
What Could Drive RMRHF Stock Higher?
- Expansion of Fintech investments to drive revenue diversification.
- Geographic expansion in Ireland and Australia to increase market share.
- Launch of new digital insurance products in Q3 2026 to enhance customer experience.
- Strengthening partnerships with SMEs to grow the business insurance segment.
- Implementation of AI-powered underwriting tools by Q4 2026 to improve efficiency.
What Are the Key Risks for RMRHF?
- Regulatory changes in the financial services sector could impact operations.
- Increased competition from established and emerging insurance providers.
- Economic downturns could reduce insurance demand.
- Cybersecurity risks and data breaches could damage reputation and financial stability.
- Fluctuations in interest rates could affect investment income.
What Are the Growth Opportunities for RMRHF?
- Expansion into Fintech Investments: OUTsurance has the opportunity to further expand its portfolio of Fintech investments. The global Fintech market is projected to reach $698.48 billion by 2030, growing at a CAGR of 23.42% from 2023. By strategically investing in Fintech companies, OUTsurance can diversify its revenue streams and capitalize on innovative technologies transforming the financial services industry. This includes investments in digital insurance platforms, AI-driven underwriting tools, and blockchain-based solutions, enhancing its competitive edge and attracting new customer segments.
- Geographic Expansion in Ireland and Australia: OUTsurance can leverage its existing presence in Ireland and Australia to further expand its market share. The insurance markets in both countries are characterized by stable growth and increasing demand for specialized insurance products. By tailoring its offerings to local market needs and strengthening its distribution networks, OUTsurance can attract new customers and increase its revenue base. This includes expanding partnerships with local brokers and agents, launching targeted marketing campaigns, and developing innovative insurance solutions tailored to the specific needs of Irish and Australian consumers.
- Enhancing Digital Insurance Offerings: OUTsurance can enhance its digital insurance offerings to cater to the growing demand for online insurance solutions. The global digital insurance market is expected to reach $146.67 billion by 2029, growing at a CAGR of 13.4% from 2022. By investing in user-friendly online platforms, mobile apps, and AI-powered chatbots, OUTsurance can improve customer experience, streamline the insurance application process, and reduce operational costs. This includes offering personalized insurance recommendations, instant quotes, and seamless claims processing, attracting tech-savvy customers and driving revenue growth.
- Development of Niche Insurance Products: OUTsurance can capitalize on emerging market trends by developing niche insurance products tailored to specific customer segments. This includes offering specialized insurance for electric vehicles, renewable energy systems, and cybersecurity risks. By identifying underserved market segments and developing innovative insurance solutions, OUTsurance can differentiate itself from competitors and attract new customers. This also involves conducting market research to understand evolving customer needs and preferences, and collaborating with industry experts to develop comprehensive and competitive insurance products.
- Strengthening Partnerships with SMEs: OUTsurance can strengthen its partnerships with small and medium-sized enterprises (SMEs) to expand its business insurance segment. SMEs represent a significant market opportunity, with increasing demand for tailored insurance solutions to protect their assets and mitigate risks. By offering customized insurance packages, providing risk management advice, and streamlining the claims process, OUTsurance can attract new SME clients and increase its revenue base. This also includes developing online portals for SMEs to easily manage their insurance policies, providing access to industry-specific risk assessments, and offering competitive pricing.
What Opportunities Does RMRHF Have?
- Expansion into new geographic markets.
- Development of innovative insurance products.
- Strengthening partnerships with SMEs.
- Leveraging digital technologies to improve customer experience.
What Threats Does RMRHF Face?
- Increased competition from established players.
- Regulatory changes impacting insurance operations.
- Economic downturns reducing insurance demand.
- Cybersecurity risks and data breaches.
What Are RMRHF's Competitive Advantages?
- Diversified product offerings across personal and business insurance segments.
- Geographic presence in South Africa, Australia, and Ireland.
- Investments in Fintech and asset management provide additional revenue streams.
- Established brand reputation and customer base.
What Does RMRHF Do?
OUTsurance Group Limited, established in 1998 and based in Centurion, South Africa, is a financial services company offering insurance and investment products. Originally known as Rand Merchant Investment Holdings Limited, the company rebranded in December 2022 to reflect its core focus on insurance. OUTsurance operates across South Africa, Australia, and Ireland, serving both individuals and small to medium-sized businesses. The company's operations are divided into several key segments: Personal Insurance, Business Insurance, Youi CTP, OUTsurance Central, OUTsurance Ireland, and Life Insurance. These segments provide a comprehensive suite of insurance products, including coverage for cars, homes, portable items, and businesses. Beyond traditional insurance, OUTsurance also offers specialized products like motor warranties, bicycle insurance, watercraft insurance, and even pet insurance. The company has also diversified into Fintech investments and asset management entities, expanding its reach within the financial services sector. With a workforce of approximately 7,000 employees, OUTsurance aims to deliver value through its diverse product offerings and customer-centric approach.
What Products and Services Does RMRHF Offer?
- Provides personal insurance products, including car, home, and portable items coverage.
- Offers business insurance solutions for SMEs, covering fleet, agricultural, and engineering risks.
- Operates in South Africa, Australia, and Ireland.
- Offers life and funeral insurance products.
- Provides specialized insurance for bicycles, watercraft, and pets.
- Manages a portfolio of Fintech investments.
- Invests in asset management entities.
How Does RMRHF Make Money?
- Generates revenue through insurance premiums from personal and business clients.
- Earns investment income from its portfolio of Fintech and asset management investments.
- Underwrites insurance risks and manages claims to maintain profitability.
What Industry Does RMRHF Operate In?
OUTsurance Group Limited operates within the diversified insurance industry, a sector characterized by intense competition and evolving regulatory landscapes. The global insurance market is experiencing growth driven by increasing awareness of risk management and the rising demand for tailored insurance solutions. Key trends include the adoption of digital technologies, the rise of personalized insurance products, and the growing importance of data analytics in underwriting and claims management. OUTsurance competes with both local and international players, including AFOVF, DCYHY, DIISF, DIISY, and FDIAY, striving to differentiate itself through innovative products and customer service.
Who Are RMRHF's Key Customers?
- Individuals seeking personal insurance coverage for their assets.
- Small and medium-sized businesses requiring insurance for their operations.
- Fintech companies and asset management entities seeking investment.
FY2026 estForward Outlook
Wall Street analysts project OUTsurance Group Limited revenue of about $37.42B for fiscal 2026, with EPS near $0.00.
Quarterly Financial Performance: OUTsurance Group Limited
Revenue for OUTsurance Group Limited came in at $21.44B during Q4 2025, a 4.3% improvement versus the preceding quarter. The company recorded net income of $2.31B, with diluted EPS of $25.01. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this mid-cap Financial Services company. Across the four most recent quarters, RMRHF averaged $18.93 in diluted EPS.
RMRHF Valuation & Market Position
With a $6.38B market cap, OUTsurance Group Limited sits in the mid-cap segment of the market.
ROE 35%Key Financial Metrics
Return on equity for OUTsurance Group Limited stands at 35.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 13.1%, showing how much profit it generates from its asset base. RMRHF trades at a trailing price-to-earnings ratio of 21.76, above the Financial Services sector average of ~18x. Its free cash flow yield is 5.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.26 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
OUTsurance Group Limited's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 5.41 places it in the safe zone, indicating low near-term bankruptcy risk.
Company Profile
OUTsurance Group Limited operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Johannesburg, ZA. The company is led by CEO Marthinus C. Visser. RMRHF has traded publicly since 2019.
RMRHF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified insurance product offerings.
- Geographic presence in multiple countries.
- Investments in Fintech and asset management.
- Established brand reputation.
Bear Case
- Reliance on specific geographic markets.
- Exposure to regulatory changes in the financial services sector.
- Competition from established and emerging insurance providers.
- Potential impact of economic downturns on insurance demand.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $21.44B | $2.31B | $25.01 |
| Q2 2025 | $20.55B | $149M | $0.10 |
| Q4 2024 | $18.94B | $2.03B | $25.09 |
| Q2 2024 | $17.43B | $2.14B | $25.53 |
Based on FMP financials and quantitative analysis
RMRHF Latest News
No recent news available for RMRHF.
RMRHF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for RMRHF.
Price Targets
Wall Street price target analysis for RMRHF.
RMRHF MoonshotScore
What does this score mean?
The MoonshotScore rates RMRHF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Marthinus C. Visser
CEO
Marthinus C. Visser serves as the CEO of OUTsurance Group Limited, leading a workforce of 7,000 employees. His career spans various leadership roles within the financial services industry, with a focus on insurance and investment management. Visser holds advanced degrees in business administration and finance, providing him with a strong foundation in strategic management and financial analysis. Prior to joining OUTsurance, he held executive positions at leading financial institutions, where he oversaw significant growth and innovation initiatives.
Track Record: Under Marthinus C. Visser's leadership, OUTsurance Group Limited has focused on expanding its digital presence and diversifying its product offerings. Key achievements include the successful integration of Fintech investments and the expansion of the company's operations in Australia and Ireland. Visser has also emphasized customer-centric strategies, leading to improved customer satisfaction and retention rates. His strategic decisions have contributed to the company's financial stability and growth in a competitive market.
RMRHF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that OUTsurance Group Limited (RMRHF) may not meet the minimum financial or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, making it more difficult for investors to assess their financial health and operational performance. Unlike NYSE or NASDAQ-listed companies, OTC Other firms often have less stringent regulatory oversight, leading to increased risks for investors. This tier typically includes companies that are distressed, early-stage, or have chosen not to comply with higher reporting standards.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in RMRHF.
- Lower liquidity can lead to price volatility and difficulty in executing trades.
- Less stringent regulatory oversight compared to major exchanges.
- Potential for limited information and transparency regarding company operations.
- Higher risk of fraud or manipulation due to reduced regulatory scrutiny.
- Verify the company's registration and legal standing.
- Attempt to obtain and review any available financial statements.
- Assess the company's management team and their track record.
- Research the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a financial advisor to assess the suitability of this investment.
- Understand the potential tax implications of investing in an OTC stock.
- The company has been in operation since 1998.
- OUTsurance Group Limited serves individuals and small to medium-sized businesses.
- The company operates in multiple geographic locations (South Africa, Australia, and Ireland).
What Investors Ask About OUTsurance Group Limited (RMRHF) — Financial Services
What does OUTsurance Group Limited do?
OUTsurance Group Limited is a financial services company that provides a range of insurance and investment products. Operating in South Africa, Australia, and Ireland, the company serves both individuals and small to medium-sized businesses. Its core business involves offering various insurance products, including coverage for vehicles, homes, businesses, and life. Additionally, OUTsurance has diversified into Fintech investments and asset management, expanding its reach within the financial services sector. The company aims to deliver value through its diverse product offerings and customer-centric approach, leveraging its established brand and geographic presence.
What are the main risks for RMRHF?
The main risks for OUTsurance Group Limited include regulatory changes in the financial services sector, which could impact its operations and compliance costs. Increased competition from both established and emerging insurance providers poses a threat to its market share and profitability. Economic downturns could reduce insurance demand, affecting revenue and earnings. Cybersecurity risks and data breaches could damage the company's reputation and financial stability. Fluctuations in interest rates could also affect investment income, impacting overall financial performance. These risks require careful monitoring and proactive mitigation strategies.
How sensitive is RMRHF to interest rate changes?
As an insurance company with investment holdings, OUTsurance Group Limited is exposed to interest rate risk. Changes in interest rates can affect the value of its fixed-income investments and its net interest margin. A rising interest rate environment could increase the yield on new investments, potentially boosting investment income. However, it could also decrease the value of existing fixed-income assets. Conversely, a falling interest rate environment could reduce investment income and compress net interest margins. OUTsurance needs to actively manage its asset-liability mix to mitigate the impact of interest rate fluctuations on its profitability and financial stability.
What regulatory challenges does OUTsurance Group Limited face?
OUTsurance Group Limited faces several regulatory challenges inherent to the financial services and insurance industries. These include compliance with local regulations in South Africa, Australia, and Ireland, which can vary significantly and require ongoing monitoring and adaptation. Capital requirements imposed by regulatory bodies dictate the amount of capital the company must hold to cover potential liabilities and maintain solvency. Changes in these requirements can impact the company's financial flexibility and profitability. Additionally, data protection regulations, such as GDPR, require stringent measures to protect customer data and prevent breaches, adding to compliance costs and operational complexity.
What are the key factors to evaluate for RMRHF?
Evaluate RMRHF on fundamentals, analyst consensus, and risk factors. P/E: 21.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does RMRHF data refresh on this page?
RMRHF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven RMRHF's recent stock price performance?
OUTsurance Group Limited (RMRHF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified insurance product offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider RMRHF overvalued or undervalued right now?
OUTsurance Group Limited (RMRHF) trades at 21.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for RMRHF, limiting the depth of financial insights.
- OTC market data may have limited reliability compared to major exchanges.