Argo Group International Holdings Ltd (ARGO) Fundamental Analysis & Valuation

NYSE:ARGO • BMG0464B1072

Current stock price

29.99 USD
-0.01 (-0.03%)
At close:
29.99 USD
0 (0%)
After Hours:

This ARGO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. ARGO Profitability Analysis

1.1 Basic Checks

  • In the past year ARGO has reported negative net income.
  • In the past year ARGO had a positive cash flow from operations.
ARGO Yearly Net Income VS EBIT VS OCF VS FCFARGO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 100M -100M 200M 300M

1.2 Ratios

  • With a Return On Assets value of -2.44%, ARGO is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
  • ARGO has a worse Return On Equity (-16.21%) than 82.14% of its industry peers.
Industry RankSector Rank
ROA -2.44%
ROE -16.21%
ROIC N/A
ROA(3y)-0.82%
ROA(5y)-0.4%
ROE(3y)-6.15%
ROE(5y)-3.2%
ROIC(3y)N/A
ROIC(5y)N/A
ARGO Yearly ROA, ROE, ROICARGO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 5 -5 -10 -15

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for ARGO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ARGO Yearly Profit, Operating, Gross MarginsARGO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 5 -5 10 -10

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2

2. ARGO Health Analysis

2.1 Basic Checks

  • ARGO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ARGO has been increased compared to 1 year ago.
  • ARGO has a better debt/assets ratio than last year.
ARGO Yearly Shares OutstandingARGO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M
ARGO Yearly Total Debt VS Total AssetsARGO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2B 4B 6B 8B 10B

2.2 Solvency

  • ARGO has a debt to FCF ratio of 2.99. This is a good value and a sign of high solvency as ARGO would need 2.99 years to pay back of all of its debts.
  • ARGO has a Debt to FCF ratio (2.99) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.32 indicates that ARGO is not too dependend on debt financing.
  • ARGO has a better Debt to Equity ratio (0.32) than 63.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.99
Altman-Z N/A
ROIC/WACCN/A
WACC7.59%
ARGO Yearly LT Debt VS Equity VS FCFARGO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ARGO Yearly Current Assets VS Current LiabilitesARGO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 100M 200M 300M

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2

3. ARGO Growth Analysis

3.1 Past

  • The earnings per share for ARGO have decreased strongly by -303.15% in the last year.
  • The Revenue for ARGO has decreased by -20.20% in the past year. This is quite bad
  • The Revenue has been growing slightly by 0.16% on average over the past years.
EPS 1Y (TTM)-303.15%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-102.25%
Revenue 1Y (TTM)-20.2%
Revenue growth 3Y-3.46%
Revenue growth 5Y0.16%
Sales Q2Q%-19.16%

3.2 Future

  • Based on estimates for the next years, ARGO will show a very strong growth in Earnings Per Share. The EPS will grow by 183.66% on average per year.
  • Based on estimates for the next years, ARGO will show a decrease in Revenue. The Revenue will decrease by -2.57% on average per year.
EPS Next Y791.48%
EPS Next 2Y343.62%
EPS Next 3Y183.66%
EPS Next 5YN/A
Revenue Next Year-19.44%
Revenue Next 2Y-10.1%
Revenue Next 3Y-2.57%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ARGO Yearly Revenue VS EstimatesARGO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
ARGO Yearly EPS VS EstimatesARGO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1 2 3

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4

4. ARGO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for ARGO. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 14.14 indicates a correct valuation of ARGO.
  • ARGO's Price/Forward Earnings is on the same level as the industry average.
  • ARGO is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 14.14
ARGO Price Earnings VS Forward Price EarningsARGO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

  • ARGO's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 7.9
EV/EBITDA N/A
ARGO Per share dataARGO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • ARGO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as ARGO's earnings are expected to grow with 183.66% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y343.62%
EPS Next 3Y183.66%

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5

5. ARGO Dividend Analysis

5.1 Amount

  • ARGO has a Yearly Dividend Yield of 1.03%.
  • ARGO's Dividend Yield is comparable with the industry average which is at 2.37.
  • With a Dividend Yield of 1.03, ARGO pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.03%

5.2 History

  • The dividend of ARGO is nicely growing with an annual growth rate of 9.88%!
  • ARGO has been paying a dividend for over 5 years, so it has already some track record.
  • ARGO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.88%
Div Incr Years0
Div Non Decr Years12
ARGO Yearly Dividends per shareARGO Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • The earnings of ARGO are negative and hence is the payout ratio. ARGO will probably not be able to sustain this dividend level.
  • ARGO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-16.29%
EPS Next 2Y343.62%
EPS Next 3Y183.66%
ARGO Yearly Income VS Free CF VS DividendARGO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 0 100M -100M 200M

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ARGO Fundamentals: All Metrics, Ratios and Statistics

Argo Group International Holdings Ltd

NYSE:ARGO (11/15/2023, 8:18:04 PM)

After market: 29.99 0 (0%)

29.99

-0.01 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-08
Earnings (Next)02-26
Inst Owners0%
Inst Owner Change0%
Ins Owners3.63%
Ins Owner Change0%
Market Cap1.06B
Revenue(TTM)1.58B
Net Income(TTM)-200.10M
Analysts45
Price Target30.6 (2.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.03%
Yearly Dividend1.54
Dividend Growth(5Y)9.88%
DP-16.29%
Div Incr Years0
Div Non Decr Years12
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-118.16%
Min EPS beat(2)-132.9%
Max EPS beat(2)-103.43%
EPS beat(4)1
Avg EPS beat(4)-41.75%
Min EPS beat(4)-132.9%
Max EPS beat(4)119.61%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.48%
Min Revenue beat(2)-3.53%
Max Revenue beat(2)0.58%
Revenue beat(4)2
Avg Revenue beat(4)-4.37%
Min Revenue beat(4)-19.95%
Max Revenue beat(4)5.43%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.75%
EPS NY rev (1m)0%
EPS NY rev (3m)-42.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.14
P/S 0.67
P/FCF 7.9
P/OCF 7.49
P/B 0.85
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)-2.58
EYN/A
EPS(NY)2.12
Fwd EY7.07%
FCF(TTM)3.8
FCFY12.66%
OCF(TTM)4
OCFY13.35%
SpS45.02
BVpS35.08
TBVpS31.71
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -2.44%
ROE -16.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 8.43%
ROA(3y)-0.82%
ROA(5y)-0.4%
ROE(3y)-6.15%
ROE(5y)-3.2%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.99
Debt/EBITDA N/A
Cap/Depr 46.79%
Cap/Sales 0.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC7.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-303.15%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-102.25%
EPS Next Y791.48%
EPS Next 2Y343.62%
EPS Next 3Y183.66%
EPS Next 5YN/A
Revenue 1Y (TTM)-20.2%
Revenue growth 3Y-3.46%
Revenue growth 5Y0.16%
Sales Q2Q%-19.16%
Revenue Next Year-19.44%
Revenue Next 2Y-10.1%
Revenue Next 3Y-2.57%
Revenue Next 5YN/A
EBIT growth 1Y-326.24%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-13.29%
OCF growth 3YN/A
OCF growth 5YN/A

Argo Group International Holdings Ltd / ARGO Fundamental Analysis FAQ

What is the fundamental rating for ARGO stock?

ChartMill assigns a fundamental rating of 2 / 10 to ARGO.


Can you provide the valuation status for Argo Group International Holdings Ltd?

ChartMill assigns a valuation rating of 4 / 10 to Argo Group International Holdings Ltd (ARGO). This can be considered as Fairly Valued.


Can you provide the profitability details for Argo Group International Holdings Ltd?

Argo Group International Holdings Ltd (ARGO) has a profitability rating of 1 / 10.


What is the earnings growth outlook for Argo Group International Holdings Ltd?

The Earnings per Share (EPS) of Argo Group International Holdings Ltd (ARGO) is expected to grow by 791.48% in the next year.


How sustainable is the dividend of Argo Group International Holdings Ltd (ARGO) stock?

The dividend rating of Argo Group International Holdings Ltd (ARGO) is 5 / 10 and the dividend payout ratio is -16.29%.