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FIDELIS INSURANCE HOLDINGS L (FIHL) Stock Fundamental Analysis

NYSE:FIHL - New York Stock Exchange, Inc. - BMG3398L1182 - Common Stock - Currency: USD

16.28  -0.83 (-4.85%)

After market: 16.28 0 (0%)

Fundamental Rating

4

FIHL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. FIHL may be in some trouble as it scores bad on both profitability and health. FIHL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FIHL had negative earnings in the past year.
FIHL had a positive operating cash flow in the past year.
In the past 5 years FIHL has always been profitable.
Each year in the past 5 years FIHL had a positive operating cash flow.
FIHL Yearly Net Income VS EBIT VS OCF VS FCFFIHL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

With a Return On Assets value of -0.08%, FIHL is not doing good in the industry: 81.12% of the companies in the same industry are doing better.
FIHL's Return On Equity of -0.43% is on the low side compared to the rest of the industry. FIHL is outperformed by 81.12% of its industry peers.
FIHL's Return On Invested Capital of 0.19% is on the low side compared to the rest of the industry. FIHL is outperformed by 68.53% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FIHL is significantly above the industry average of 3.97%.
The 3 year average ROIC (9.08%) for FIHL is well above the current ROIC(0.19%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA -0.08%
ROE -0.43%
ROIC 0.19%
ROA(3y)9.42%
ROA(5y)7.84%
ROE(3y)38.99%
ROE(5y)30.15%
ROIC(3y)9.08%
ROIC(5y)7.75%
FIHL Yearly ROA, ROE, ROICFIHL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

FIHL's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 1.02%, FIHL is not doing good in the industry: 81.12% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of FIHL has declined.
The Profit Margin and Gross Margin are not available for FIHL so they could not be analyzed.
Industry RankSector Rank
OM 1.02%
PM (TTM) N/A
GM N/A
OM growth 3Y-41.62%
OM growth 5YN/A
PM growth 3Y-46.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FIHL Yearly Profit, Operating, Gross MarginsFIHL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 10 20 30 40 50

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FIHL is still creating some value.
Compared to 1 year ago, FIHL has less shares outstanding
FIHL has a better debt/assets ratio than last year.
FIHL Yearly Shares OutstandingFIHL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FIHL Yearly Total Debt VS Total AssetsFIHL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

FIHL has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as FIHL would need 2.35 years to pay back of all of its debts.
The Debt to FCF ratio of FIHL (2.35) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.21 indicates that FIHL is not too dependend on debt financing.
FIHL has a Debt to Equity ratio of 0.21. This is in the better half of the industry: FIHL outperforms 68.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACC0.02
WACC8.12%
FIHL Yearly LT Debt VS Equity VS FCFFIHL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FIHL Yearly Current Assets VS Current LiabilitesFIHL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 100M 200M 300M

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5

3. Growth

3.1 Past

FIHL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -113.73%.
Measured over the past years, FIHL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -32.31% on average per year.
Looking at the last year, FIHL shows a very negative growth in Revenue. The Revenue has decreased by -32.64% in the last year.
Measured over the past years, FIHL shows a very strong growth in Revenue. The Revenue has been growing by 26.72% on average per year.
EPS 1Y (TTM)-113.73%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%-73.91%
Revenue 1Y (TTM)-32.64%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%-13.03%

3.2 Future

The Earnings Per Share is expected to grow by 39.01% on average over the next years. This is a very strong growth
Based on estimates for the next years, FIHL will show a quite strong growth in Revenue. The Revenue will grow by 9.86% on average per year.
EPS Next Y35.6%
EPS Next 2Y91.47%
EPS Next 3Y58.83%
EPS Next 5Y39.01%
Revenue Next Year12.08%
Revenue Next 2Y10.13%
Revenue Next 3Y9.86%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FIHL Yearly Revenue VS EstimatesFIHL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
FIHL Yearly EPS VS EstimatesFIHL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

FIHL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 4.35, the valuation of FIHL can be described as very cheap.
Based on the Price/Forward Earnings ratio, FIHL is valued cheaply inside the industry as 83.92% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 35.31. FIHL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 4.35
FIHL Price Earnings VS Forward Price EarningsFIHL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FIHL is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 8.23
EV/EBITDA N/A
FIHL Per share dataFIHL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

FIHL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FIHL's earnings are expected to grow with 58.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y91.47%
EPS Next 3Y58.83%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.58%, FIHL has a reasonable but not impressive dividend return.
FIHL's Dividend Yield is a higher than the industry average which is at 3.43.
Compared to an average S&P500 Dividend Yield of 2.39, FIHL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.58%

5.2 History

FIHL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
FIHL Yearly Dividends per shareFIHL Yearly Dividends per shareYearly Dividends per share 2024 2025 0 0 0 0 0

5.3 Sustainability

The earnings of FIHL are negative and hence is the payout ratio. FIHL will probably not be able to sustain this dividend level.
DP-437.5%
EPS Next 2Y91.47%
EPS Next 3Y58.83%
FIHL Yearly Income VS Free CF VS DividendFIHL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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FIDELIS INSURANCE HOLDINGS L

NYSE:FIHL (8/15/2025, 4:15:01 PM)

After market: 16.28 0 (0%)

16.28

-0.83 (-4.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-13 2025-08-13/amc
Earnings (Next)11-10 2025-11-10/amc
Inst Owners39.2%
Inst Owner ChangeN/A
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap1.78B
Analysts73.75
Price Target20.27 (24.51%)
Short Float %2.66%
Short Ratio2.21
Dividend
Industry RankSector Rank
Dividend Yield 2.58%
Yearly Dividend0.41
Dividend Growth(5Y)N/A
DP-437.5%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-16 2025-09-16 (0.15)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-187.31%
Min EPS beat(2)-375.85%
Max EPS beat(2)1.24%
EPS beat(4)2
Avg EPS beat(4)-96%
Min EPS beat(4)-375.85%
Max EPS beat(4)25%
EPS beat(8)5
Avg EPS beat(8)-38.57%
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)-6.63%
Min Revenue beat(2)-21.73%
Max Revenue beat(2)8.48%
Revenue beat(4)2
Avg Revenue beat(4)-4.86%
Min Revenue beat(4)-21.73%
Max Revenue beat(4)8.48%
Revenue beat(8)4
Avg Revenue beat(8)-7.18%
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)1.6%
PT rev (3m)2.25%
EPS NQ rev (1m)-224.26%
EPS NQ rev (3m)-146.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-40.52%
Revenue NQ rev (1m)-4.93%
Revenue NQ rev (3m)-8.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.71%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.35
P/S 0.7
P/FCF 8.23
P/OCF 8.06
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)-0.42
EYN/A
EPS(NY)3.74
Fwd EY22.97%
FCF(TTM)1.98
FCFY12.15%
OCF(TTM)2.02
OCFY12.41%
SpS23.36
BVpS21.92
TBVpS21.92
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.08%
ROE -0.43%
ROCE 0.21%
ROIC 0.19%
ROICexc 0.2%
ROICexgc 0.3%
OM 1.02%
PM (TTM) N/A
GM N/A
FCFM 8.47%
ROA(3y)9.42%
ROA(5y)7.84%
ROE(3y)38.99%
ROE(5y)30.15%
ROIC(3y)9.08%
ROIC(5y)7.75%
ROICexc(3y)9.99%
ROICexc(5y)8.62%
ROICexgc(3y)13.96%
ROICexgc(5y)11.82%
ROCE(3y)9.93%
ROCE(5y)8.48%
ROICexcg growth 3Y-35.57%
ROICexcg growth 5YN/A
ROICexc growth 3Y-36.57%
ROICexc growth 5YN/A
OM growth 3Y-41.62%
OM growth 5YN/A
PM growth 3Y-46.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.18%
Interest Coverage 250
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.12%
ROIC/WACC0.02
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.53%
Cap/Sales(5y)0.49%
Profit Quality(3y)236.41%
Profit Quality(5y)182.05%
High Growth Momentum
Growth
EPS 1Y (TTM)-113.73%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%-73.91%
EPS Next Y35.6%
EPS Next 2Y91.47%
EPS Next 3Y58.83%
EPS Next 5Y39.01%
Revenue 1Y (TTM)-32.64%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%-13.03%
Revenue Next Year12.08%
Revenue Next 2Y10.13%
Revenue Next 3Y9.86%
Revenue Next 5YN/A
EBIT growth 1Y-94.12%
EBIT growth 3Y-26.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-61%
FCF growth 3Y19.9%
FCF growth 5YN/A
OCF growth 1Y-61.17%
OCF growth 3Y19.41%
OCF growth 5YN/A