FIHL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. Both the profitability and financial health of FIHL have multiple concerns. FIHL has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
In the past 5 years FIHL always reported a positive cash flow from operatings.

1.2 Ratios

FIHL has a worse Return On Assets (-0.12%) than 84.56% of its industry peers.
FIHL's Return On Equity of -0.60% is on the low side compared to the rest of the industry. FIHL is outperformed by 83.22% of its industry peers.
FIHL has a worse Return On Invested Capital (0.16%) than 72.48% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FIHL is significantly below the industry average of 14.93%.
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

In the last couple of years the Profit Margin of FIHL has declined.
FIHL has a Operating Margin of 0.80%. This is amonst the worse of the industry: FIHL underperforms 85.23% of its industry peers.
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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
The number of shares outstanding for FIHL has been reduced compared to 1 year ago.
The debt/assets ratio for FIHL has been reduced compared to a year ago.

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

WACC8.14%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FIHL have decreased strongly by -103.88% in the last year.
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.
The Revenue has been growing by 26.72% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)-103.88%

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 31.30% on average per year.
Based on estimates for the next years, FIHL will show a small growth in Revenue. The Revenue will grow by 6.99% on average per year.

EPS Next Y67.91%

EPS Next 2Y79.61%

EPS Next 3Y52.1%

EPS Next 5Y31.3%

Revenue Next Year3.62%

Revenue Next 2Y6.86%

Revenue Next 3Y6.99%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FIHL. In the last year negative earnings were reported.
FIHL is valuated cheaply with a Price/Forward Earnings ratio of 5.02.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FIHL indicates a rather cheap valuation: FIHL is cheaper than 81.88% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FIHL to the average of the S&P500 Index (25.98), we can say FIHL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.02

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.
A more expensive valuation may be justified as FIHL's earnings are expected to grow with 52.10% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y79.61%

EPS Next 3Y52.1%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.23%, FIHL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.41, FIHL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.81, FIHL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.23%

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

FIHL has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-335.17%

EPS Next 2Y79.61%

EPS Next 3Y52.1%

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FIDELIS INSURANCE HOLDINGS L / FIHL FAQ

What is the fundamental rating for FIHL stock?

ChartMill assigns a fundamental rating of 3 / 10 to FIHL.

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

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.

Is the dividend of FIDELIS INSURANCE HOLDINGS L sustainable?

The dividend rating of FIDELIS INSURANCE HOLDINGS L (FIHL) is 3 / 10 and the dividend payout ratio is -335.17%.