Sica Fletcher

APRIL 11, 2024

This article examines the most common types of insurance agency sellers, which we break down into two distinct categories: the owners - agency CEOs and founders - and the partners - professionals in charge of overseeing a sale to ensure the best outcome. Financial Need. Urgent financial requirements (e.g.,

Insurance 52

Insurance Advisory M&A Investment Banking 52

Sica Fletcher

MARCH 26, 2020

Many of our clients have asked us about the impact on insurance brokerage M&A of the pandemic and the resultant containment efforts. The Largest Strategic Players Tell Us Full Steam Ahead – The major strategic acquirors have informed us that they plan to continue to aggressively pursue acquisitions of insurance brokers.

Insurance 52

Insurance M&A Broker Economics 52

How2Exit

MARCH 12, 2023

Concept 3: Document and insure Ownership One of the most important elements of planning for sale is to document and insure ownership. In addition to documenting ownership, it is also important to insure ownership. This means that it is important to have a clear understanding of the business and the contracts that are in place.

M&A 130

M&A Business Insurance Mergers and Acquisitions 130

Growth Business

MAY 15, 2024

You can keep all the profits your business makes. You will need employers’ liability insurance, provide payslips, and manage payroll, though the last two here can be outsourced if you wish. More on sole traders Sole trade budgeting tips to avoid debt How to scale your business quickly The post Can a sole trader employ staff?

Business 96

Business Insurance Trading Debt 96

Sica Fletcher

APRIL 16, 2020

Many clients have asked us our views about how the COVID-19 pandemic will affect the insurance brokerage industry broadly and the M&A and strategic market for brokers in particular. The Insurance Business is a GDP Business – That is the Big Risk What do we mean when we say that the insurance business is a GDP business?

Insurance 52

Insurance Business IT Economics 52

Focus Investment Banking

MARCH 10, 2025

Shifting focus to profitable, reliable customers strengthens cash flowwhat buyers ultimately value. Clearly break out expenses (insurance broken out by auto, health; salaries broken out by owner, employee; and so on.) Set Fair Market Rent If you own the property, charge the business a market-rate rent to reflect true profitability.

Investment 52

Investment Book-building Sale Business 52

Razorpay

AUGUST 20, 2023

They are set for a specific span of time and might impact profitability if not managed well. Some of the common fixed costs are employee salaries, interest, rent, insurance, lease, insurance, utility payments, phone service, advertising costs, amortization, and more. The other side of fixed costs is variable costs.

Business 52

Business Profitability Sale Utilities 52

Wall Street Mojo

JANUARY 17, 2024

This differentiation helps identify a company’s profitability Profitability Profitability refers to a company's ability to generate revenue and maximize profit above its expenditure and operational costs. It is measured using specific ratios such as gross profit margin, EBITDA, and net profit margin.

Accountant 98

Accountant Finance Finance Profitability 98

M&A Leadership Council

MAY 9, 2024

Poor Cash Flow Management: If the company consistently shows poor cash management despite profitable operations, it could indicate deeper financial or operational issues. Excessive Debt: High levels of debt relative to the industry or the inability to service debt comfortably can severely constrain the company’s financial flexibility.

Mergers and Acquisitions 52

Mergers and Acquisitions M&A Debt Accountant 52

Mergers and Inquisitions

MAY 3, 2023

To be fair, in some industries – like commercial banks and insurance within FIG – the DDM is a core valuation methodology. In other words, you profit based on the company’s dividend s and the potential increases in its stock price over time. But outside of those, its status is murkier.

Valuation 64

Valuation DCF Debt Financial Modeling 64

Growth Business

JUNE 7, 2023

It’s also the second Black-founded unicorn in the UK, and co-founders and brothers Oliver and Alexander Kent-Braham, along with CTO David Goaté have set their sights on disrupting the insurance industry. We’re profitable, very well capitalised and have no need to raise money.” Starling, though, is different.

Funds 98

Funds Bank Banking Investment 98

IBG

SEPTEMBER 11, 2024

The emphasis here is on profit “add-backs” – i.e., discretionary or peculiar expenditures that can be added back to the profits of the business. The emphasis here is on profit “add-backs” – i.e., discretionary or peculiar expenditures that can be added back to the profits of the business.

Sale 52

Sale Business Financial Statement Profitability 52

Lake Country Advisors

JULY 25, 2024

Analyze the company’s income, balance sheets, and cash flow statements to get an overview of its performance, profitability, and financial stability over time. Examine debt and credit history. Investigate these aspects to grasp the company’s borrowing history and current debt obligations and gauge financial risks.

Business 104

Business Mergers and Acquisitions Negotiation Risk Assessment 104

Wall Street Mojo

JANUARY 17, 2024

The lender, in this case, who buys the instrument has to pay the premium like that of an insurance policy, in exchange of which the seller of the instrument will compensate for the loss in case of default faced by the buyer of the instrument from their borrower. Speculators use the difference in prices to trade and make profits.

Financial Modeling 52

Financial Modeling Financial Models Insurance Valuation 52

How2Exit

MARCH 24, 2023

To do this, he obtained his insurance and securities licenses and started helping developers raise money. He realized that if he could buy enough companies, he could exit several of them a year and receive a large amount of profit in one go. He wanted to be able to invest in larger projects and help developers raise money.

M&A 130

M&A Business Mergers and Acquisitions Investors 130

Razorpay

AUGUST 9, 2023

Example of Merchant Banking In 2021, merchant bank Avendus Capital helped the Indian company Piramal Enterprises acquire the debt-ridden assets of Dewan Housing Finance Corporation (DHFL) for ₹34,250 crore ($4.4 They help companies to raise capital in the form of debt or equity. It allows easy accounting software integration.

Bank 52

Bank Banking Business Underwriting 52

Peak Frameworks

MAY 2, 2024

Payment Default Risks : The potential for increased sales comes with the risk of customers failing to pay, which can impact cash flow and profitability. Credit Risk Mitigation: Strategies such as credit insurance, stringent customer vetting, and proactive receivables management can help mitigate the risks associated with credit sales.

Sale 52

Sale Accountant Financial Statement Business 52

Devensoft

JUNE 1, 2023

Debt and liabilities: assess the company’s debt levels and liabilities to determine whether it can manage its obligations during economic uncertainty. What is the target company’s current debt position, and what is their plan for managing any potential financial risks that may arise due to the economic uncertainty?

Economics 98

Economics M&A Management Financial Statement 98

Razorpay

MAY 11, 2023

All partners of limited liability partnerships share the profits of business just as partners of regular firms. They are, however, free to decide the ratio in which they will share profits. This means that the personal assets of the partners are protected from any business debts or legal liabilities incurred by the LLP.

Accountant 52

Accountant Business Bank Banking 52

Sun Acquisitions

NOVEMBER 29, 2022

Whatever your motivation for selling, we’re sure you want a seamless transition in which you walk away with a decent profit from the sale. Future profit margins. This can be done by paying off as many outstanding debts as possible, renegotiating terms for business loans, securing new clients, and getting your receivables paid up.

Business 52

Business Valuation Broker Book-building 52

Growth Business

NOVEMBER 23, 2023

They are thematic investors in fintech (financial services, real estate, insurance) and deep tech (AI enabled transformation, security, IoT), across B2C, B2B and B2B2C businesses. mortgages, insurance) software (e.g. Can provide a mixture of equity and mezzanine debt to businesses mostly at the Series A stage.

Investment 111

Investment Funds Capital Business 111

Focus Investment Banking

JANUARY 10, 2025

And in a lot of cases, these are very profitable services, but that specialization is going to lead to massive efficiencies throughout your organization. There’s also continued insurance challenges and a whole lot more. On average, I’m seeing these shops are 50 to 100% more profitable than their generalist counterparts.

Private Equity 52

Private Equity Mergers and Acquisitions M&A Equities 52

Focus Investment Banking

SEPTEMBER 4, 2024

PE refers to a form of investment where institutional investors—such as pension funds, mutual funds, and insurance companies—as well as wealthy individuals, provide capital to PE firms. These firms then acquire, grow, and eventually sell companies at a profit to generate returns. to 6x EBITDA on average.

Business 52

Business M&A Private Equity Investors 52

Chesapeake Corporate Advisors

MAY 2, 2023

A $50 million transaction might include $42 million cash at close (guaranteed), a $5 million seller’s note (where the seller agrees to accept a portion of the purchase price as a series of debt payments), and $3 million in earnouts (which are only paid if the company achieves certain financial metrics over time).

Business 52

Business Investment Banking Corporation Advisory 52

Wall Street Mojo

JANUARY 18, 2024

Some of these are banks, NBFCs, investment companies, brokerage firms, insurance companies and trust corporations. It refers to the possibility that the lender may not receive the debt's principal and an interest component, resulting in interrupted cash flow and increased cost of collection.

Financial Modeling 52

Financial Modeling Financial Models Debt Financial Institution 52

M&A Leadership Council

JUNE 18, 2024

Risk Mitigation: Develop strategies to mitigate or manage each identified risk: Implement financial hedging and insurance solutions for financial risks. Communicate risk priorities to key stakeholders for transparency and alignment. Enhance operational controls and processes to reduce operational risks.

Risk Assessment 52

Risk Assessment M&A Mergers and Acquisitions Risk Management 52

M&A Leadership Council

JUNE 18, 2024

Risk Mitigation: Develop strategies to mitigate or manage each identified risk: Implement financial hedging and insurance solutions for financial risks. Communicate risk priorities to key stakeholders for transparency and alignment. Enhance operational controls and processes to reduce operational risks.

Risk Assessment 40

Risk Assessment M&A Risk Management Mergers and Acquisitions 40

IBG

JANUARY 31, 2023

It shows a buyer the business’s true profitability by adjusting EBITDA to reflect any non-recurring revenues and expenses. Pending litigation Pre-litigation disputes Entity structure Government compliance Tax returns Payroll records and reports (1099s, W-2s, etc.)

Sale 52

Sale Business M&A Mergers and Acquisitions 52

Growth Business

AUGUST 3, 2023

“Be clear on your strategy to investors and the type of investor you are looking for, i.e. investors that can provide strategic input and/or opportunities to help grow and develop the business by way of technology or distribution,” said Todd Davison, MD of Purbeck Personal Guarantee Insurance. Here’s where you could get funding.

Funds 52

Funds Investors Investment Business 52

GillAgency

FEBRUARY 10, 2022

For example, a buyer may not assume a debt or take over a piece of real estate. The process will have some of these steps Financial Due Diligence Buyer and his/her team will inspect a minimum of the last 3 years of financial statements, sales and profits by business line, product and service categories and customer segments.

Business 52

Business Sale Broker IT 52

Mergers and Inquisitions

OCTOBER 11, 2023

In the second category, you make investment decisions and profit based on your capital and deal performance. But it’s also important when a commercial real estate loan refinancing occurs, as the amount of new debt is based on the property’s value. However, you do not necessarily need full-time experience (i.e.,

Private Equity 101

Private Equity Investment Banking Debt Funds 101

Mergers and Inquisitions

NOVEMBER 20, 2024

Plausible Unit Economics – Many growth companies lose money early on, but there must be a path to profitability. A: Unlike most PE deals, traditional growth equity deals do not use debt and are for minority stakes in companies, but they often have more “structure” via liquidation preferences and preferred stock.

Private Equity 59

Private Equity Equities Capital Valuation 59

Focus Investment Banking

MARCH 17, 2025

It drives profitability at the center level. And so insurance premiums have gone up 59% since 2021. Into the US and now they have credit card debt because they’re continuing to spend, because they ran out of cash. So now they’re looking at their insurance or they’re at the kitchen table.

S&P 52

S&P IT Management M&A 52

Mergers and Inquisitions

MARCH 19, 2025

Matt Stoller has an excellent article summing up the companys problems , but the short version is that it came under severe margin pressure due to pharmaceutical pricing : Health insurance companies in the U.S. Excluding operating leases (which Capital IQ incorrectly adds to Net Debt for U.S. So, what is Sycamores plan?

Private Equity 59

Private Equity Retail Equities Mergers and Acquisitions 59