FEDNAT HOLDING CO (FNHC)

US31431B1098 - Common Stock

0.2  -0.08 (-29.58%)

After market: 0.2003 +0 (+0.15%)

Fundamental Rating

1

FNHC gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. Both the profitability and financial health of FNHC have multiple concerns. FNHC has a expensive valuation and it also scores bad on growth.



1

1. Profitability

1.1 Basic Checks

In the past year FNHC has reported negative net income.
FNHC had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FNHC reported negative net income in multiple years.
In multiple years FNHC reported negative operating cash flow during the last 5 years.

1.2 Ratios

Industry RankSector Rank
ROA -10.62%
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Industry RankSector Rank
OM -48.09%
PM (TTM) -54.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

0

2. Health

2.1 Basic Checks

FNHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FNHC has more shares outstanding than it did 1 year ago.
FNHC has a worse debt/assets ratio than last year.

2.2 Solvency

FNHC has a Debt/Equity ratio of 8.41. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 8.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.72%

2.3 Liquidity

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

2

3. Growth

3.1 Past

FNHC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.78%.
The Revenue for FNHC has decreased by -36.27% in the past year. This is quite bad
The Revenue has been decreasing by -4.40% on average over the past years.
EPS 1Y (TTM)6.78%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-22.22%
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y-4.4%
Revenue growth Q2Q-19.86%

3.2 Future

The Earnings Per Share is expected to grow by 18.92% on average over the next years. This is quite good.
FNHC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.11% yearly.
EPS Next Y71.85%
EPS Next 2Y41.42%
EPS Next 3Y25.99%
EPS Next 5Y18.92%
Revenue Next Year23.58%
Revenue Next 2Y-0.57%
Revenue Next 3Y-0.45%
Revenue Next 5Y0.11%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

1

4. Valuation

4.1 Price/Earnings Ratio

FNHC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.32

4.3 Compensation for Growth

FNHC's earnings are expected to grow with 25.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y41.42%
EPS Next 3Y25.99%

0

5. Dividend

5.1 Amount

FNHC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

FEDNAT HOLDING CO

NASDAQ:FNHC (11/4/2022, 8:00:00 PM)

After market: 0.2003 +0 (+0.15%)

0.2

-0.08 (-29.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.50M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.62%
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM -48.09%
PM (TTM) -54.3%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 8.41
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)6.78%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y71.85%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y