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FEDNAT HOLDING CO (FNHC) Stock Fundamental Analysis

NASDAQ:FNHC - Nasdaq - US31431B1098 - Common Stock - Currency: USD

0.2  -0.08 (-29.58%)

After market: 0.2003 +0 (+0.15%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to FNHC. FNHC was compared to 143 industry peers in the Insurance industry. FNHC has a bad profitability rating. Also its financial health evaluation is rather negative. FNHC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

FNHC had negative earnings in the past year.
FNHC had a negative operating cash flow in the past year.
FNHC Yearly Net Income VS EBIT VS OCF VS FCFFNHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M -50M -100M -150M

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
FNHC Yearly ROA, ROE, ROICFNHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 -50 -100 -150

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
FNHC Yearly Profit, Operating, Gross MarginsFNHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 20 -20 -40

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2. Health

2.1 Basic Checks

FNHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FNHC has more shares outstanding
FNHC has a worse debt/assets ratio than last year.
FNHC Yearly Shares OutstandingFNHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M
FNHC Yearly Total Debt VS Total AssetsFNHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 500M 1B

2.2 Solvency

A Debt/Equity ratio of 8.41 is on the high side and indicates that FNHC has dependencies on debt financing.
Industry RankSector Rank
Debt/Equity 8.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.72%
FNHC Yearly LT Debt VS Equity VS FCFFNHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 100M -100M 200M

2.3 Liquidity

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

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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%.
Looking at the last year, FNHC shows a very negative growth in Revenue. The Revenue has decreased by -36.27% in the last year.
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 Q2Q%-22.22%
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y-4.4%
Sales Q2Q%-19.86%

3.2 Future

FNHC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.92% yearly.
Based on estimates for the next years, FNHC will show a small growth in Revenue. The Revenue will grow by 0.11% on average per year.
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

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FNHC Yearly Revenue VS EstimatesFNHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FNHC Yearly EPS VS EstimatesFNHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 0 2 -2 -4 -6

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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
FNHC Price Earnings VS Forward Price EarningsFNHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.32
FNHC Per share dataFNHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

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

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5. Dividend

5.1 Amount

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

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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)N/A N/A
Earnings (Next)11-22 2022-11-22/amc
Inst Owners0%
Inst Owner Change0%
Ins Owners17.4%
Ins Owner Change0%
Market Cap3.50M
Analysts43.33
Price Target2.04 (920%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.9%
Min EPS beat(2)-19.83%
Max EPS beat(2)59.63%
EPS beat(4)1
Avg EPS beat(4)-91.41%
Min EPS beat(4)-239.72%
Max EPS beat(4)59.63%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)0
Avg Revenue beat(2)-21.75%
Min Revenue beat(2)-37.95%
Max Revenue beat(2)-5.55%
Revenue beat(4)1
Avg Revenue beat(4)-8.49%
Min Revenue beat(4)-37.95%
Max Revenue beat(4)18.56%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.01
P/FCF N/A
P/OCF N/A
P/B 0.25
P/tB 0.25
EV/EBITDA -0.32
EPS(TTM)-6.46
EYN/A
EPS(NY)0
Fwd EYN/A
FCF(TTM)-6.84
FCFYN/A
OCF(TTM)-6.74
OCFYN/A
SpS13.42
BVpS0.81
TBVpS0.81
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.62%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM -48.09%
PM (TTM) -54.3%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score1
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 8.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91.81%
Cap/Sales N/A
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-Score1
WACC7.72%
ROIC/WACCN/A
Cap/Depr(3y)136.84%
Cap/Depr(5y)128.06%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.22%
EPS Next Y71.85%
EPS Next 2Y41.42%
EPS Next 3Y25.99%
EPS Next 5Y18.92%
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y-4.4%
Sales Q2Q%-19.86%
Revenue Next Year23.58%
Revenue Next 2Y-0.57%
Revenue Next 3Y-0.45%
Revenue Next 5Y0.11%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-297.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-285.93%
OCF growth 3YN/A
OCF growth 5YN/A