FGF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. While FGF seems to be doing ok healthwise, there are quite some concerns on its profitability. FGF is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FGF was profitable.
FGF had a negative operating cash flow in the past year.
In the past 5 years FGF reported 4 times negative net income.
FGF had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 4.08%, FGF belongs to the best of the industry, outperforming 80.42% of the companies in the same industry.
FGF has a Return On Equity of 5.62%. This is in the lower half of the industry: FGF underperforms 67.83% of its industry peers.

		Industry Rank	Sector Rank
ROA	4.08%
ROE	5.62%
ROIC	N/A

ROA(3y)-7.77%

ROA(5y)-18.76%

ROE(3y)-9.02%

ROE(5y)-19.71%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 15.12%, FGF belongs to the top of the industry, outperforming 81.12% of the companies in the same industry.
In the last couple of years the Profit Margin of FGF has declined.
In the last couple of years the Operating Margin of FGF has declined.
The Operating Margin and Gross Margin are not available for FGF so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.12%
GM	N/A

OM growth 3Y-72.93%

OM growth 5YN/A

PM growth 3Y-85.44%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FGF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FGF has been increased compared to 1 year ago.
FGF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

There is no outstanding debt for FGF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FGF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 136.78%, which is quite impressive.
Looking at the last year, FGF shows a very strong growth in Revenue. The Revenue has grown by 4093.09%.
FGF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 85.87% yearly.

EPS 1Y (TTM)136.78%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-108%

Revenue 1Y (TTM)4093.09%

Revenue growth 3YN/A

Revenue growth 5Y85.87%

Sales Q2Q%708.37%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 98.84, FGF can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of FGF indicates a rather expensive valuation: FGF more expensive than 81.82% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, FGF is valued quite expensively.