FIDELIS INSURANCE HOLDINGS L (FIHL) Fundamental Analysis & Valuation

NYSE:FIHL • BMG3398L1182

Current stock price

19.69 USD
+0.48 (+2.5%)
At close:
19.69 USD
0 (0%)
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This FIHL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FIHL Profitability Analysis

1.1 Basic Checks

  • In the past year FIHL was profitable.
  • In the past year FIHL has reported a negative cash flow from operations.
  • FIHL had positive earnings in each of the past 5 years.
  • Of the past 5 years FIHL 4 years 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 2025 0 500M 1B 1.5B 2B

1.2 Ratios

  • With a Return On Assets value of 1.81%, FIHL perfoms like the industry average, outperforming 45.27% of the companies in the same industry.
  • FIHL has a Return On Equity of 9.40%. This is comparable to the rest of the industry: FIHL outperforms 43.92% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.13%, FIHL is in line with its industry, outperforming 47.30% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FIHL is below the industry average of 9.46%.
  • The last Return On Invested Capital (2.13%) for FIHL is well below the 3 year average (7.03%), which needs to be investigated, but indicates that FIHL had better years and this may not be a problem.
Industry RankSector Rank
ROA 1.81%
ROE 9.4%
ROIC 2.13%
ROA(3y)8.01%
ROA(5y)7.06%
ROE(3y)33.69%
ROE(5y)28.93%
ROIC(3y)7.03%
ROIC(5y)6.31%
FIHL Yearly ROA, ROE, ROICFIHL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 20 40 60 80

1.3 Margins

  • With a Profit Margin value of 9.08%, FIHL perfoms like the industry average, outperforming 58.11% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FIHL has declined.
  • FIHL has a Operating Margin (12.47%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of FIHL has declined.
Industry RankSector Rank
OM 12.47%
PM (TTM) 9.08%
GM N/A
OM growth 3Y-30.58%
OM growth 5Y-22.9%
PM growth 3Y-35.04%
PM growth 5Y-25.41%
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 2025 10 20 30 40 50

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2

2. FIHL Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FIHL is destroying value.
  • Compared to 1 year ago, FIHL has less shares outstanding
  • FIHL has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FIHL has a worse debt to assets ratio.
FIHL Yearly Shares OutstandingFIHL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • A Debt/Equity ratio of 0.35 indicates that FIHL is not too dependend on debt financing.
  • FIHL has a Debt to Equity ratio (0.35) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.27
WACC7.9%
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 2025 0 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 2025 100M 200M 300M 400M

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7

3. FIHL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 74.78% over the past year.
  • Measured over the past years, FIHL shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.21% on average per year.
  • FIHL shows a small growth in Revenue. In the last year, the Revenue has grown by 2.86%.
  • FIHL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.15% yearly.
EPS 1Y (TTM)74.78%
EPS 3Y-21.03%
EPS 5Y-4.21%
EPS Q2Q%203.81%
Revenue 1Y (TTM)2.86%
Revenue growth 3Y18.04%
Revenue growth 5Y26.15%
Sales Q2Q%62.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.24% 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 9.54% on average per year.
EPS Next Y76.87%
EPS Next 2Y40.78%
EPS Next 3Y30.31%
EPS Next 5Y22.24%
Revenue Next Year9.4%
Revenue Next 2Y8.22%
Revenue Next 3Y9.54%
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 2028 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

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6

4. FIHL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.80, which indicates a very decent valuation of FIHL.
  • 60.14% of the companies in the same industry are more expensive than FIHL, based on the Price/Earnings ratio.
  • FIHL is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 5.54, the valuation of FIHL can be described as very cheap.
  • FIHL's Price/Forward Earnings ratio is rather cheap when compared to the industry. FIHL is cheaper than 80.41% of the companies in the same industry.
  • FIHL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
Industry RankSector Rank
PE 9.8
Fwd PE 5.54
FIHL Price Earnings VS Forward Price EarningsFIHL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FIHL Per share dataFIHL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • The 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 30.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y40.78%
EPS Next 3Y30.31%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FIHL Dividend Analysis

5.1 Amount

  • FIHL has a Yearly Dividend Yield of 3.20%.
  • FIHL's Dividend Yield is a higher than the industry average which is at 2.55.
  • FIHL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

  • FIHL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
FIHL Yearly Dividends per shareFIHL Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 23.19% of the earnings are spent on dividend by FIHL. This is a low number and sustainable payout ratio.
DP23.19%
EPS Next 2Y40.78%
EPS Next 3Y30.31%
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 2025 0 500M 1B 1.5B 2B
FIHL Dividend Payout.FIHL Dividend Payout, showing the Payout Ratio.FIHL Dividend Payout.PayoutRetained Earnings

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FIHL Fundamentals: All Metrics, Ratios and Statistics

FIDELIS INSURANCE HOLDINGS L

NYSE:FIHL (4/8/2026, 4:41:25 PM)

After market: 19.69 0 (0%)

19.69

+0.48 (+2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-12
Inst Owners42.64%
Inst Owner ChangeN/A
Ins Owners0.58%
Ins Owner Change25.06%
Market Cap1.70B
Revenue(TTM)2.48B
Net Income(TTM)225.50M
Analysts70.67
Price Target22.31 (13.31%)
Short Float %3.33%
Short Ratio3.43
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP23.19%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-16
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.08%
Min EPS beat(2)-0.64%
Max EPS beat(2)2.8%
EPS beat(4)3
Avg EPS beat(4)33.95%
Min EPS beat(4)-0.64%
Max EPS beat(4)132.39%
EPS beat(8)5
Avg EPS beat(8)-27.67%
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)6.12%
Min Revenue beat(2)1.52%
Max Revenue beat(2)10.73%
Revenue beat(4)4
Avg Revenue beat(4)5.3%
Min Revenue beat(4)0.47%
Max Revenue beat(4)10.73%
Revenue beat(8)5
Avg Revenue beat(8)-2.89%
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)1.45%
PT rev (3m)4.17%
EPS NQ rev (1m)-12.92%
EPS NQ rev (3m)-14.77%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)16.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 9.8
Fwd PE 5.54
P/S 0.69
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)2.01
EY10.21%
EPS(NY)3.56
Fwd EY18.06%
FCF(TTM)-4.74
FCFYN/A
OCF(TTM)-4.72
OCFYN/A
SpS28.73
BVpS27.75
TBVpS27.75
PEG (NY)0.13
PEG (5Y)N/A
Graham Number35.42
Profitability
Industry RankSector Rank
ROA 1.81%
ROE 9.4%
ROCE 2.59%
ROIC 2.13%
ROICexc 2.3%
ROICexgc 3.3%
OM 12.47%
PM (TTM) 9.08%
GM N/A
FCFM N/A
ROA(3y)8.01%
ROA(5y)7.06%
ROE(3y)33.69%
ROE(5y)28.93%
ROIC(3y)7.03%
ROIC(5y)6.31%
ROICexc(3y)7.58%
ROICexc(5y)6.88%
ROICexgc(3y)10.63%
ROICexgc(5y)9.6%
ROCE(3y)8.52%
ROCE(5y)7.65%
ROICexgc growth 3Y-28.92%
ROICexgc growth 5Y-17.43%
ROICexc growth 3Y-29.53%
ROICexc growth 5Y-19.38%
OM growth 3Y-30.58%
OM growth 5Y-22.9%
PM growth 3Y-35.04%
PM growth 5Y-25.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.05%
Interest Coverage 7.27
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.9%
ROIC/WACC0.27
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.14%
Cap/Sales(5y)0.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.78%
EPS 3Y-21.03%
EPS 5Y-4.21%
EPS Q2Q%203.81%
EPS Next Y76.87%
EPS Next 2Y40.78%
EPS Next 3Y30.31%
EPS Next 5Y22.24%
Revenue 1Y (TTM)2.86%
Revenue growth 3Y18.04%
Revenue growth 5Y26.15%
Sales Q2Q%62.75%
Revenue Next Year9.4%
Revenue Next 2Y8.22%
Revenue Next 3Y9.54%
Revenue Next 5YN/A
EBIT growth 1Y84.68%
EBIT growth 3Y-18.06%
EBIT growth 5Y-2.73%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-166.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-166.05%
OCF growth 3YN/A
OCF growth 5YN/A

FIDELIS INSURANCE HOLDINGS L / FIHL Fundamental Analysis FAQ

What is the fundamental rating for FIHL stock?

ChartMill assigns a fundamental rating of 4 / 10 to FIHL.


What is the valuation status of FIDELIS INSURANCE HOLDINGS L (FIHL) stock?

ChartMill assigns a valuation rating of 6 / 10 to FIDELIS INSURANCE HOLDINGS L (FIHL). This can be considered as Fairly Valued.


Can you provide the profitability details for FIDELIS INSURANCE HOLDINGS L?

FIDELIS INSURANCE HOLDINGS L (FIHL) has a profitability rating of 3 / 10.


What is the financial health of FIDELIS INSURANCE HOLDINGS L (FIHL) stock?

The financial health rating of FIDELIS INSURANCE HOLDINGS L (FIHL) is 2 / 10.


Can you provide the dividend sustainability for FIHL stock?

The dividend rating of FIDELIS INSURANCE HOLDINGS L (FIHL) is 4 / 10 and the dividend payout ratio is 23.19%.