FIDELIS INSURANCE HOLDINGS L (FIHL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FIHL - BMG3398L1182 - Common Stock
18.6 USD
+0.47 (+2.59%)
18.6 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FIHL. FIHL was compared to 147 industry peers in the Insurance industry. Both the profitability and financial health of FIHL have multiple concerns. FIHL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FIHL has reported negative net income.
In the past year FIHL has reported a negative cash flow from operations.
In the past 5 years FIHL has always been profitable.
FIHL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -0.12%, FIHL is not doing good in the industry: 87.76% of the companies in the same industry are doing better.
FIHL has a Return On Equity of -0.60%. This is amonst the worse of the industry: FIHL underperforms 86.39% of its industry peers.
The Return On Invested Capital of FIHL (0.16%) is worse than 73.47% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FIHL is significantly below the industry average of 14.90%.
The last Return On Invested Capital (0.16%) for FIHL is well below the 3 year average (9.08%), which needs to be investigated, but indicates that FIHL had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.12% | ||
| ROE | -0.6% | ||
| ROIC | 0.16% |
ROA(3y)9.42%
ROA(5y)7.84%
ROE(3y)38.99%
ROE(5y)30.15%
ROIC(3y)9.08%
ROIC(5y)7.75%
1.3 Margins
FIHL's Profit Margin has declined in the last couple of years.
FIHL has a worse Operating Margin (0.80%) than 86.39% of its industry peers.
FIHL's Operating Margin has declined in the last couple of years.
FIHL does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.8% | ||
| 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FIHL is creating some value.
FIHL has less shares outstanding than it did 1 year ago.
Compared to 1 year ago, FIHL has an improved debt to assets ratio.
2.2 Solvency
FIHL has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
FIHL has a Debt to Equity ratio (0.35) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.02
WACC8.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FIHL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -103.94%.
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.
The Revenue has grown by 11.78% in the past year. This is quite good.
FIHL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.72% yearly.
EPS 1Y (TTM)-103.94%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%31.52%
Revenue 1Y (TTM)11.78%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%7.76%
3.2 Future
Based on estimates for the next years, FIHL will show a very strong growth in Earnings Per Share. The EPS will grow by 32.47% on average per year.
The Revenue is expected to grow by 7.24% on average over the next years.
EPS Next Y69%
EPS Next 2Y85.26%
EPS Next 3Y54.27%
EPS Next 5Y32.47%
Revenue Next Year3.59%
Revenue Next 2Y6.47%
Revenue Next 3Y7.24%
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.
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
The Price/Earnings Ratio is negative for FIHL. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 4.93, which indicates a rather cheap valuation of FIHL.
Based on the Price/Forward Earnings ratio, FIHL is valued cheaper than 84.35% of the companies in the same industry.
FIHL is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.93 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as FIHL's earnings are expected to grow with 54.27% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y85.26%
EPS Next 3Y54.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.32%, FIHL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.48, FIHL pays a bit more dividend than its industry peers.
FIHL's Dividend Yield is a higher than the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
5.2 History
FIHL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
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-335.17%
EPS Next 2Y85.26%
EPS Next 3Y54.27%
18.6
+0.47 (+2.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.26%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap1.92B
Revenue(TTM)2.56B
Net Income(TTM)-14.50M
Analysts72
Price Target21.29 (14.46%)
Short Float %2.66%
Short Ratio3.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
Yearly Dividend0.41
Dividend Growth(5Y)N/A
DP-335.17%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)67.59%
Min EPS beat(2)2.8%
Max EPS beat(2)132.39%
EPS beat(4)3
Avg EPS beat(4)-59.86%
Min EPS beat(4)-375.85%
Max EPS beat(4)132.39%
EPS beat(8)6
Avg EPS beat(8)-23.33%
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)2
Avg Revenue beat(2)1%
Min Revenue beat(2)0.47%
Max Revenue beat(2)1.52%
Revenue beat(4)3
Avg Revenue beat(4)-2.81%
Min Revenue beat(4)-21.73%
Max Revenue beat(4)8.48%
Revenue beat(8)5
Avg Revenue beat(8)-1.88%
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)0.91%
PT rev (3m)5.03%
EPS NQ rev (1m)-5.79%
EPS NQ rev (3m)-6.23%
EPS NY rev (1m)3.75%
EPS NY rev (3m)25.88%
Revenue NQ rev (1m)4.04%
Revenue NQ rev (3m)4.04%
Revenue NY rev (1m)-9.41%
Revenue NY rev (3m)-9.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.93 | ||
| P/S | 0.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.13
EYN/A
EPS(NY)3.78
Fwd EY20.3%
FCF(TTM)-4.98
FCFYN/A
OCF(TTM)-4.96
OCFYN/A
SpS24.82
BVpS23.45
TBVpS23.45
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.12% | ||
| ROE | -0.6% | ||
| ROCE | 0.17% | ||
| ROIC | 0.16% | ||
| ROICexc | 0.17% | ||
| ROICexgc | 0.24% | ||
| OM | 0.8% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y-35.57%
ROICexgc 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-Score2
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.07% | ||
| 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-Score2
WACC8.08%
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)-103.94%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%31.52%
EPS Next Y69%
EPS Next 2Y85.26%
EPS Next 3Y54.27%
EPS Next 5Y32.47%
Revenue 1Y (TTM)11.78%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%7.76%
Revenue Next Year3.59%
Revenue Next 2Y6.47%
Revenue Next 3Y7.24%
Revenue Next 5YN/A
EBIT growth 1Y-95.36%
EBIT growth 3Y-26.02%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.53%
FCF growth 3Y19.9%
FCF growth 5YN/A
OCF growth 1Y24.84%
OCF growth 3Y19.41%
OCF growth 5YN/A
FIDELIS INSURANCE HOLDINGS L / FIHL FAQ
What is the fundamental rating for FIHL stock?
ChartMill assigns a fundamental rating of 3 / 10 to FIHL.
Can you provide the valuation status for FIDELIS INSURANCE HOLDINGS L?
ChartMill assigns a valuation rating of 4 / 10 to FIDELIS INSURANCE HOLDINGS L (FIHL). This can be considered as Fairly Valued.
How profitable is FIDELIS INSURANCE HOLDINGS L (FIHL) stock?
FIDELIS INSURANCE HOLDINGS L (FIHL) has a profitability rating of 2 / 10.
What is the expected EPS growth for FIDELIS INSURANCE HOLDINGS L (FIHL) stock?
The Earnings per Share (EPS) of FIDELIS INSURANCE HOLDINGS L (FIHL) is expected to grow by 69% in the next year.
How sustainable is the dividend of FIDELIS INSURANCE HOLDINGS L (FIHL) stock?
The dividend rating of FIDELIS INSURANCE HOLDINGS L (FIHL) is 2 / 10 and the dividend payout ratio is -335.17%.