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FIDELIS INSURANCE HOLDINGS L (FIHL) Stock Fundamental Analysis

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

17.49  -0.12 (-0.68%)

After market: 17.49 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FIHL. FIHL was compared to 143 industry peers in the Insurance industry. FIHL has a bad profitability rating. Also its financial health evaluation is rather negative. FIHL is not overvalued while it is showing excellent growth. This is an interesting combination.


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.
Each year in the past 5 years FIHL has been profitable.
In the past 5 years FIHL always reported a positive cash flow from operatings.
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

FIHL's Return On Assets of -0.08% is on the low side compared to the rest of the industry. FIHL is outperformed by 81.82% of its industry peers.
Looking at the Return On Equity, with a value of -0.43%, FIHL is doing worse than 81.82% of the companies in the same industry.
The Return On Invested Capital of FIHL (0.19%) is worse than 69.23% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FIHL is significantly above the industry average of 4.07%.
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

In the last couple of years the Profit Margin of FIHL has declined.
FIHL's Operating Margin of 1.02% is on the low side compared to the rest of the industry. FIHL is outperformed by 83.22% of its industry peers.
In the last couple of years the Operating Margin of FIHL has declined.
FIHL does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
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.
Looking at the Debt to FCF ratio, with a value of 2.35, FIHL is in line with its industry, outperforming 45.45% of the companies in the same industry.
FIHL has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
FIHL has a better Debt to Equity ratio (0.21) than 71.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACC0.02
WACC8.36%
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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7

3. Growth

3.1 Past

FIHL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -102.38%.
The earnings per share for FIHL have been decreasing by -32.31% on average. This is quite bad
Looking at the last year, FIHL shows a very strong growth in Revenue. The Revenue has grown by 23.91%.
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)-102.38%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%-159.42%
Revenue 1Y (TTM)23.91%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%31.91%

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 10.22% on average per year.
EPS Next Y127.67%
EPS Next 2Y95.96%
EPS Next 3Y61.34%
EPS Next 5Y39.01%
Revenue Next Year17.15%
Revenue Next 2Y10.95%
Revenue Next 3Y10.22%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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.
FIHL is valuated cheaply with a Price/Forward Earnings ratio of 4.47.
Based on the Price/Forward Earnings ratio, FIHL is valued cheaper than 81.82% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FIHL to the average of the S&P500 Index (22.30), we can say FIHL is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 4.47
FIHL Price Earnings VS Forward Price EarningsFIHL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -50 -100 -150 -200

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FIHL.
Industry RankSector Rank
P/FCF 8.94
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 61.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y95.96%
EPS Next 3Y61.34%

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2

5. Dividend

5.1 Amount

FIHL has a Yearly Dividend Yield of 2.27%.
Compared to an average industry Dividend Yield of 3.10, FIHL pays a bit more dividend than its industry peers.
FIHL's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.27%

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
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 2Y95.96%
EPS Next 3Y61.34%
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 (6/6/2025, 8:04:01 PM)

After market: 17.49 0 (0%)

17.49

-0.12 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-14 2025-05-14/amc
Earnings (Next)08-12 2025-08-12/amc
Inst Owners40.14%
Inst Owner ChangeN/A
Ins Owners0.36%
Ins Owner ChangeN/A
Market Cap1.93B
Analysts73.75
Price Target20.46 (16.98%)
Short Float %1.31%
Short Ratio1.33
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend0.41
Dividend Growth(5Y)N/A
DP-437.5%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-16 2025-06-16 (0.1)
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)3.22%
PT rev (3m)0.94%
EPS NQ rev (1m)2.54%
EPS NQ rev (3m)5.49%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-38.26%
Revenue NQ rev (1m)1.34%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)7.36%
Revenue NY rev (3m)3.33%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.47
P/S 0.76
P/FCF 8.94
P/OCF 8.76
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)-0.08
EYN/A
EPS(NY)3.92
Fwd EY22.39%
FCF(TTM)1.96
FCFY11.18%
OCF(TTM)2
OCFY11.42%
SpS23.1
BVpS21.67
TBVpS21.67
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
WACC8.36%
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)-102.38%
EPS 3Y-32.31%
EPS 5YN/A
EPS Q2Q%-159.42%
EPS Next Y127.67%
EPS Next 2Y95.96%
EPS Next 3Y61.34%
EPS Next 5Y39.01%
Revenue 1Y (TTM)23.91%
Revenue growth 3Y26.72%
Revenue growth 5YN/A
Sales Q2Q%31.91%
Revenue Next Year17.15%
Revenue Next 2Y10.95%
Revenue Next 3Y10.22%
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