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Financial Analysis of Medibank Pvt. Ltd.

   

Added on  2020-10-05

19 Pages4322 Words425 Views
Finance

TABLE OF CONTENTSINTRODUCTION...........................................................................................................................1MAIN BODY...................................................................................................................................11. Description about the corporation...........................................................................................1Financial analysis of the company..............................................................................................22. Ratio analysis .........................................................................................................................23. Explaining the cash management instruments........................................................................44. Sensitivity analysis of the data provided.................................................................................55. Identifying and discussing the systemic and unsystemic risks affecting the company 'sperformance.................................................................................................................................76. Calculating dividend payout ratio of 3 years & commenting on dividend policy ofcompany......................................................................................................................................87. Recommendation Letter for Company....................................................................................9CONCLUSION..............................................................................................................................10REFERENCES..............................................................................................................................11

INTRODUCTIONFinance refers to the management of the money and involves the activities such as investing,lending, budgeting, borrowing, forecasting and savings for attaining higher profitability. In otherwords, it is the study of the ways in which the money is been managed and the actual process foracquiring the required funds. It involves the financial services and the financial instruments.Specifically, there are three sub classification of finance that are corporate finance, personalfinance and the public finance. The present study is based on the Medibank pvt. Ltd., a nationalhealth insurer, headquartered in Australia. Furthermore, the report describes the company indetail and ratio analysis has been evaluated for analysing the operational performance of theenterprise. Various instruments for managing the liquidity are also described under the study.Sensitivity analysis with the identification of the systematic and the unsystematic risks has beenincluded in the project. The aim of the projects is to assess the financial aspects of the company. MAIN BODY1. Description about the corporationMedibank pvt. Ltd is an integrated private healthcare corporation facilitating privatehealth insurance and the health solution in the Australia. It operates its business in mainly twosegments that includes Health insurance and the Medibank health. Health insurance sectionserves for private products of health insurance that involves Hospital cover which provides themembers with the health cover for treatments in the hospital. In ancillary cover, it offers thehealth cover to the members in relation to the healthcare services like optical, physiotherapy anddental (Company Overview of Medibank Private Limited, 2019). This section also offers theproducts of health insurance to the overseas students and the visitors. The health segment ofMedibank facilitates health management and the telehealth services to the corporate customersand the government. It also distributes the life, pet and travel insurance products. Underwritingof the health insurance products is made by an entity under Medibank and the ahmother brands.This corporation was founded during 1976 based in the Docklands, Australia. The purpose of theorganization is to provide better health services to its customers for their better lives. All thethings are functioned within the enterprise with the aim of improving the well being and thehealth of the Australians and helping the people for facilitating them with the quality lives.1

Company focuses on the shared values which states that the customers are their first andforemost priorities and believes in delivering the promises. The company is compassionate indeveloping the better relations with their customers and the community. Medibank is committedto a culture that fosters diversity and inclusion which reflects that it ensures for providing theequal opportunity to their employees so that goals can be achieved effectively and efficiently.Company is operating its business in the health insurance market which is a type of serviceindustry. The competitive advantagesmpetencies that the company contains against itscompetitors are, it has attained large customer base and has the strong portfolio as abrand. The workforce of an enterprise is highly skilled as huge investments has been made bythe company for the training and development of their staff. The performance of the company inthe new market has been resulted as successful which enabled the entity in building the newsteams for revenue which in turn leads to larger distribution network. Financial analysis of the company2. Ratio analysis Ratio or trend analysis of the Medibank private limited.ParticularsFormulaAmount ($)201620172018LiquidityratiosOperationalratiosCurrent assets Netsales6,741.82812.53000.46,797.030916,906.4CurrentliabilitiesAveragetotal assets3,266.21518.53,462.5 1564.73,544.9 1534Current ratioAsset turnoverratioCurrentassets/currentliabilitiesNetsales/averagetotal assets1.852.061.921.962.011.942

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