1.53 USD
-0.02 (-1.29%)
Taking everything into account, FANH scores 5 out of 10 in our fundamental rating. FANH was compared to 148 industry peers in the Insurance industry. FANH has an excellent financial health rating, but there are some minor concerns on its profitability. FANH has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FANH had positive earnings in the past year.
FANH had a positive operating cash flow in the past year.
FANH had positive earnings in each of the past 5 years.
FANH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FANH has a better Return On Assets (7.34%) than 92.81% of its industry peers.
FANH has a better Return On Equity (13.45%) than 64.75% of its industry peers.
FANH has a better Return On Invested Capital (5.14%) than 85.61% of its industry peers.
FANH had an Average Return On Invested Capital over the past 3 years of 7.25%. This is significantly below the industry average of 14.88%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROIC | 5.14% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
1.3 Margins
Looking at the Profit Margin, with a value of 8.77%, FANH is in line with its industry, outperforming 56.83% of the companies in the same industry.
In the last couple of years the Profit Margin of FANH has declined.
With a Operating Margin value of 6.12%, FANH is not doing good in the industry: 64.03% of the companies in the same industry are doing better.
FANH's Operating Margin has declined in the last couple of years.
FANH's Gross Margin of 32.92% is amongst the best of the industry. FANH outperforms 92.09% of its industry peers.
FANH's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% |
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
2. Health
2.1 Basic Checks
FANH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
FANH has more shares outstanding than it did 1 year ago.
FANH has more shares outstanding than it did 5 years ago.
FANH has a worse debt/assets ratio than last year.
2.2 Solvency
FANH has an Altman-Z score of 2.34. This is not the best score and indicates that FANH is in the grey zone with still only limited risk for bankruptcy at the moment.
FANH has a better Altman-Z score (2.34) than 93.53% of its industry peers.
FANH has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
FANH's Debt to FCF ratio of 1.12 is fine compared to the rest of the industry. FANH outperforms 62.59% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that FANH is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.05, FANH belongs to the best of the industry, outperforming 86.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | 2.34 |
ROIC/WACC0.69
WACC7.48%
2.3 Liquidity
FANH has a Current Ratio of 2.59. This indicates that FANH is financially healthy and has no problem in meeting its short term obligations.
FANH has a Current ratio of 2.59. This is amongst the best in the industry. FANH outperforms 94.24% of its industry peers.
FANH has a Quick Ratio of 2.59. This indicates that FANH is financially healthy and has no problem in meeting its short term obligations.
FANH has a Quick ratio of 2.59. This is amongst the best in the industry. FANH outperforms 94.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 |
3. Growth
3.1 Past
FANH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 189.43%, which is quite impressive.
The earnings per share for FANH have been decreasing by -11.87% on average. This is quite bad
FANH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.98%.
The Revenue has been decreasing by -1.62% on average over the past years.
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
3.2 Future
FANH is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.88% yearly.
Based on estimates for the next years, FANH will show a decrease in Revenue. The Revenue will decrease by -6.76% on average per year.
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 2.22 indicates a rather cheap valuation of FANH.
87.77% of the companies in the same industry are more expensive than FANH, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FANH to the average of the S&P500 Index (26.92), we can say FANH is valued rather cheaply.
A Price/Forward Earnings ratio of 2.83 indicates a rather cheap valuation of FANH.
Based on the Price/Forward Earnings ratio, FANH is valued cheaper than 84.17% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FANH to the average of the S&P500 Index (23.46), we can say FANH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.22 | ||
| Fwd PE | 2.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FANH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7 | ||
| EV/EBITDA | -3.19 |
4.3 Compensation for Growth
FANH has a very decent profitability rating, which may justify a higher PE ratio.
FANH's earnings are expected to decrease with -8.88% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for FANH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:FANH (10/22/2024, 8:15:50 PM)
1.53
-0.02 (-1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.37%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap86.76M
Revenue(TTM)3.20B
Net Income(TTM)280.48M
Analysts43.33
Price Target6.12 (300%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.22 | ||
| Fwd PE | 2.83 | ||
| P/S | 0.19 | ||
| P/FCF | 7 | ||
| P/OCF | 6.1 | ||
| P/B | 0.3 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | -3.19 |
EPS(TTM)0.69
EY45.1%
EPS(NY)0.54
Fwd EY35.37%
FCF(TTM)0.22
FCFY14.28%
OCF(TTM)0.25
OCFY16.39%
SpS7.93
BVpS5.17
TBVpS4.13
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROCE | 6.55% | ||
| ROIC | 5.14% | ||
| ROICexc | 6.85% | ||
| ROICexgc | 8.38% | ||
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% | ||
| FCFM | 2.76% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
ROICexc(3y)15.75%
ROICexc(5y)28.34%
ROICexgc(3y)18.36%
ROICexgc(5y)33.72%
ROCE(3y)9.1%
ROCE(5y)12.03%
ROICexgc growth 3Y-37.7%
ROICexgc growth 5Y-28.74%
ROICexc growth 3Y-39.39%
ROICexc growth 5Y-30.05%
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
F-Score8
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | 0.43 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 43.99% | ||
| Profit Quality | 31.42% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 | ||
| Altman-Z | 2.34 |
F-Score8
WACC7.48%
ROIC/WACC0.69
Cap/Depr(3y)201.65%
Cap/Depr(5y)160.89%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.03%
Profit Quality(3y)43.2%
Profit Quality(5y)71.56%
High Growth Momentum
Growth
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y16.08%
EBIT growth 3Y-13.47%
EBIT growth 5Y-14.38%
EBIT Next Year-0.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y80.57%
FCF growth 3Y-38.78%
FCF growth 5Y-29.25%
OCF growth 1Y107.2%
OCF growth 3Y-36.75%
OCF growth 5Y-27.94%
FANHUA INC-SPONSORED ADR / FANH FAQ
What is the ChartMill fundamental rating of FANHUA INC-SPONSORED ADR (FANH) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FANH.
Can you provide the valuation status for FANHUA INC-SPONSORED ADR?
ChartMill assigns a valuation rating of 6 / 10 to FANHUA INC-SPONSORED ADR (FANH). This can be considered as Fairly Valued.
Can you provide the profitability details for FANHUA INC-SPONSORED ADR?
FANHUA INC-SPONSORED ADR (FANH) has a profitability rating of 6 / 10.
What is the valuation of FANHUA INC-SPONSORED ADR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FANHUA INC-SPONSORED ADR (FANH) is 2.22 and the Price/Book (PB) ratio is 0.3.
What is the financial health of FANHUA INC-SPONSORED ADR (FANH) stock?
The financial health rating of FANHUA INC-SPONSORED ADR (FANH) is 7 / 10.