st. paul fire and marine insurance company
st. paul fire and marine insurance company Company Information
Company Number
FC001167
Next Accounts
Sep 2025
Shareholders
-
Group Structure
View All
Industry
Non-life insurance
Registered Address
one tower street, hartford, connecticut ct 06183
Website
intergro.comst. paul fire and marine insurance company Estimated Valuation
Pomanda estimates the enterprise value of ST. PAUL FIRE AND MARINE INSURANCE COMPANY at £9.5b based on a Turnover of £7.4b and 1.29x industry multiple (adjusted for size and gross margin).
st. paul fire and marine insurance company Estimated Valuation
Pomanda estimates the enterprise value of ST. PAUL FIRE AND MARINE INSURANCE COMPANY at £10.8b based on an EBITDA of £760.4m and a 14.18x industry multiple (adjusted for size and gross margin).
st. paul fire and marine insurance company Estimated Valuation
Pomanda estimates the enterprise value of ST. PAUL FIRE AND MARINE INSURANCE COMPANY at £9.2b based on Net Assets of £5.6b and 1.64x industry multiple (adjusted for liquidity).
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St. Paul Fire And Marine Insurance Company Overview
St. Paul Fire And Marine Insurance Company is a live company located in connecticut ct 06183. Founded in June 1912, it's largest shareholder is unknown. St. Paul Fire And Marine Insurance Company is a mature, mega sized company, Pomanda has estimated its turnover at £7.4b with rapid growth in recent years.
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St. Paul Fire And Marine Insurance Company Health Check
Pomanda's financial health check has awarded St. Paul Fire And Marine Insurance Company a 4 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 2 areas for improvement. Company Health Check FAQs
5 Strong
3 Regular
2 Weak
Size
annual sales of £7.4b, make it larger than the average company (£2.1m)
£7.4b - St. Paul Fire And Marine Insurance Company
£2.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 114%, show it is growing at a faster rate (8.7%)
114% - St. Paul Fire And Marine Insurance Company
8.7% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - St. Paul Fire And Marine Insurance Company
100% - Industry AVG
Profitability
an operating margin of 10.3% make it less profitable than the average company (17.5%)
10.3% - St. Paul Fire And Marine Insurance Company
17.5% - Industry AVG
Employees
with 45067 employees, this is above the industry average (26)
- St. Paul Fire And Marine Insurance Company
26 - Industry AVG
Pay Structure
on an average salary of £65.3k, the company has an equivalent pay structure (£65.3k)
- St. Paul Fire And Marine Insurance Company
£65.3k - Industry AVG
Efficiency
resulting in sales per employee of £163.8k, this is equally as efficient (£163.8k)
- St. Paul Fire And Marine Insurance Company
£163.8k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (216 days)
0 days - St. Paul Fire And Marine Insurance Company
216 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - St. Paul Fire And Marine Insurance Company
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - St. Paul Fire And Marine Insurance Company
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 2 weeks, this is less cash available to meet short term requirements (18 weeks)
2 weeks - St. Paul Fire And Marine Insurance Company
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 72.1%, this is a lower level of debt than the average (81.5%)
72.1% - St. Paul Fire And Marine Insurance Company
81.5% - Industry AVG
ST. PAUL FIRE AND MARINE INSURANCE COMPANY financials
St. Paul Fire And Marine Insurance Company's latest turnover from December 2023 is £7.4 billion and the company has net assets of £5.6 billion. According to their latest financial statements, we estimate that St. Paul Fire And Marine Insurance Company has 45,067 employees and maintains cash reserves of £603.5 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 7,381,952,656 | 850,578,202 | 756,207,181 | 598,581,216 | 4,907,043,397 | 4,986,805,834 | 4,096,619,096 | 4,638,484,323 | 3,592,361,261 | 3,525,606,822 | 3,421,787,299 | 3,643,759,288 | 3,228,266,867 | |
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | ||||||||||||||
| Gross Profit | ||||||||||||||
| Admin Expenses | ||||||||||||||
| Operating Profit | ||||||||||||||
| Interest Payable | ||||||||||||||
| Interest Receivable | ||||||||||||||
| Pre-Tax Profit | 645,309,269 | 843,268,364 | 748,952,858 | 591,076,493 | 649,418,099 | 1,083,564,154 | 1,044,352,124 | 948,075,910 | 704,809,018 | 435,882,555 | 243,883,409 | 723,966,533 | 616,141,825 | |
| Tax | -63,163,861 | -124,745,388 | -115,330,997 | -95,042,348 | -156,200,469 | -209,838,983 | -202,029,143 | -152,643,011 | -6,434,258 | 3,390,104 | -117,177,775 | -168,868,452 | ||
| Profit After Tax | 582,145,408 | 718,522,976 | 633,621,861 | 493,081,681 | 545,754,765 | 919,179,259 | 834,513,141 | 746,046,766 | 552,166,007 | 371,539,977 | 247,273,513 | 606,788,757 | 447,273,373 | |
| Dividends Paid | 428,051,772 | 448,354,623 | 195,088,364 | 509,617,595 | 657,521,649 | 888,826,384 | 6,232,777 | 4,506,456 | 6,231,944 | 5,208,960 | 3,927,707 | 2,668,586 | ||
| Retained Profit | 582,145,408 | 290,471,204 | 185,267,238 | 297,993,317 | 36,137,170 | 261,657,610 | -54,313,242 | 739,813,990 | 547,659,551 | 365,308,033 | 242,064,553 | 602,861,050 | 444,604,788 | |
| Employee Costs | ||||||||||||||
| Number Of Employees | ||||||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 2,339,802,397 | 955,554,425 | 978,781,121 | 844,953,183 | 763,565,016 | 848,928,289 | 767,212,041 | 872,725,893 | 791,731,936 | 772,195,055 | 751,839,629 | 696,994,590 | 675,241,857 | |
| Intangible Assets | ||||||||||||||
| Investments & Other | ||||||||||||||
| Debtors (Due After 1 year) | ||||||||||||||
| Total Fixed Assets | 2,339,802,397 | 955,554,425 | 978,781,121 | 844,953,183 | 763,565,016 | 848,928,289 | 767,212,041 | 872,725,893 | 791,731,936 | 772,195,055 | 751,839,629 | 696,994,590 | 675,241,857 | |
| Stock & work in progress | ||||||||||||||
| Trade Debtors | 15,496,303 | 25,029,611 | 21,179,771 | 36,724,353 | 39,130,015 | 32,923,539 | 56,376,528 | 79,484,694 | 48,286,507 | 51,977,640 | 56,421,030 | 69,112,863 | 67,339,122 | |
| Group Debtors | ||||||||||||||
| Misc Debtors | ||||||||||||||
| Cash | 603,507,466 | 61,661,590 | 161,237,119 | 386,820,965 | 449,321,646 | 523,214,311 | 763,818,995 | 416,343,605 | 199,128,292 | 140,854,747 | 109,178,853 | 150,105,652 | 207,463,864 | |
| misc current assets | 14,234,741,992 | 14,568,643,534 | 13,938,424,633 | 9,862,913,564 | 9,305,705,964 | 8,784,733,314 | 7,404,472,997 | 8,346,187,278 | 7,230,175,715 | 7,456,491,340 | 7,056,116,691 | 587,472,958 | 438,772,109 | |
| total current assets | 17,706,172,050 | 17,810,568,081 | 16,686,233,942 | 14,055,439,165 | 13,579,616,833 | 13,373,365,758 | 12,099,391,316 | 14,242,903,835 | 10,806,416,690 | 10,948,047,418 | 10,352,056,289 | 11,430,991,158 | 11,162,360,623 | |
| total assets | 20,045,974,447 | 18,766,122,507 | 17,665,015,063 | 14,900,392,347 | 14,343,181,849 | 14,222,294,047 | 12,866,603,357 | 15,115,629,728 | 11,598,148,626 | 11,720,242,473 | 11,103,895,918 | 12,127,985,747 | 11,837,602,479 | |
| Bank overdraft | 2,100,210,344 | 2,001,168,752 | 1,911,330,118 | 1,678,535,206 | 1,851,959,410 | 1,420,803,147 | 1,393,771,226 | 1,320,682,777 | ||||||
| Bank loan | ||||||||||||||
| Trade Creditors | 351,766,883 | 336,469,760 | 310,396,907 | 270,348,511 | 253,145,461 | 215,211,671 | 202,726,623 | 221,736,721 | 171,910,368 | 199,299,292 | 239,883,369 | 1,723,524,263 | 1,590,562,826 | |
| Group/Directors Accounts | ||||||||||||||
| other short term finances | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | ||||||||||||||
| total current liabilities | 14,455,255,506 | 13,159,895,190 | 12,467,075,077 | 10,526,956,694 | 10,220,753,476 | 9,949,031,514 | 8,945,795,253 | 10,301,954,435 | 7,822,611,798 | 7,872,812,846 | 7,582,665,329 | 8,226,368,119 | 7,733,260,789 | |
| loans | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | ||||||||||||||
| provisions | ||||||||||||||
| total long term liabilities | 3,799,091 | 4,643,089 | 9,141,903 | 9,253,646 | 13,755,030 | 8,795,952 | 24,166,518 | 80,698,445 | 98,889,097 | 76,187,627 | 55,906,553 | 45,376,172 | ||
| total liabilities | 14,455,255,506 | 13,163,694,281 | 12,471,718,167 | 10,536,098,598 | 10,230,007,122 | 9,962,786,543 | 8,954,591,205 | 10,326,120,953 | 7,903,310,242 | 7,971,701,943 | 7,658,852,956 | 8,282,274,672 | 7,778,636,962 | |
| net assets | 5,590,718,941 | 5,602,428,226 | 5,193,296,896 | 4,364,293,750 | 4,113,174,727 | 4,259,507,504 | 3,912,012,152 | 4,789,508,775 | 3,694,838,383 | 3,748,540,530 | 3,445,042,962 | 3,845,711,075 | 4,058,965,518 | |
| total shareholders funds | 5,590,718,941 | 5,602,428,226 | 5,193,296,896 | 4,364,293,750 | 4,113,174,727 | 4,259,507,504 | 3,912,012,152 | 4,789,508,775 | 3,694,838,383 | 3,748,540,530 | 3,445,042,962 | 3,845,711,075 | 4,058,965,518 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | ||||||||||||||
| Amortisation | ||||||||||||||
| Tax | -63,163,861 | -124,745,388 | -115,330,997 | -95,042,348 | -156,200,469 | -209,838,983 | -202,029,143 | -152,643,011 | -6,434,258 | 3,390,104 | -117,177,775 | -168,868,452 | ||
| Stock | ||||||||||||||
| Debtors | 15,496,303 | -25,029,611 | 3,849,840 | 21,179,771 | -2,405,662 | 6,206,476 | -23,452,989 | -23,108,166 | 31,198,186 | -3,691,133 | -4,443,390 | -12,691,834 | 1,773,742 | 67,339,122 |
| Creditors | 351,766,883 | -336,469,760 | 26,072,853 | 310,396,907 | 17,203,050 | 37,933,790 | 12,485,048 | -19,010,097 | 49,826,353 | -27,388,924 | -40,584,077 | -1,483,640,894 | 132,961,437 | 1,590,562,826 |
| Accruals and Deferred Income | ||||||||||||||
| Deferred Taxes & Provisions | ||||||||||||||
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | ||||||||||||||
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | ||||||||||||||
| Group/Directors Accounts | ||||||||||||||
| Other Short Term Loans | ||||||||||||||
| Long term loans | ||||||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||
| other long term liabilities | ||||||||||||||
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | 603,507,466 | -61,661,590 | -99,575,529 | 161,237,119 | -62,500,681 | -73,892,665 | -240,604,684 | 347,475,390 | 217,215,313 | 58,273,545 | 31,675,894 | -40,926,800 | -57,358,212 | 207,463,864 |
| overdraft | 99,041,592 | 89,838,634 | 232,794,912 | -173,424,204 | 431,156,263 | 27,031,921 | 73,088,450 | 1,320,682,777 | ||||||
| change in cash | 603,507,466 | -61,661,590 | -99,575,529 | 161,237,119 | -161,542,273 | -163,731,299 | -473,399,596 | 520,899,594 | -213,940,950 | 31,241,624 | -41,412,556 | -1,361,609,577 | -57,358,212 | 207,463,864 |
st. paul fire and marine insurance company Credit Report and Business Information
St. Paul Fire And Marine Insurance Company Competitor Analysis
Perform a competitor analysis for st. paul fire and marine insurance company by selecting its closest rivals, whether from the industry sector, other mega companies, companies in Region Area area or any other competitors across 12 key performance metrics.
st. paul fire and marine insurance company Ownership
ST. PAUL FIRE AND MARINE INSURANCE COMPANY group structure
St. Paul Fire And Marine Insurance Company has 1 subsidiary company.
Ultimate parent company
THE TRAVELERS COMPANIES INC
#0005370
1 parent
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
FC001167
1 subsidiary
st. paul fire and marine insurance company directors
St. Paul Fire And Marine Insurance Company currently has 5 directors. The longest serving directors include Mr William Heyman (Jun 2004) and Mr Gregory Toczydlowski (Jul 2009).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr William Heyman | United States | 77 years | Jun 2004 | - | Director |
| Mr Gregory Toczydlowski | United Kingdom | 58 years | Jul 2009 | - | Director |
| Mr Nicholas Seminara | United States | 58 years | Apr 2018 | - | Director |
| Ms Christine Kucera Kalla | United States | 55 years | Jul 2018 | - | Director |
| Mr Daniel Frey | United States | 60 years | Sep 2018 | - | Director |
P&L
December 2023turnover
7.4b
0%
operating profit
760.4m
0%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
5.6b
0%
total assets
20b
0%
cash
603.5m
0%
net assets
Total assets minus all liabilities
Similar Companies
st. paul fire and marine insurance company company details
company number
FC001167
Type
Other
industry
65120 - Non-life insurance
incorporation date
June 1912
age
113
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
one tower street, hartford, connecticut ct 06183
Bank
-
Legal Advisor
-
st. paul fire and marine insurance company Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to st. paul fire and marine insurance company.
st. paul fire and marine insurance company Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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st. paul fire and marine insurance company Companies House Filings - See Documents
| date | description | view/download |
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