GLOBAL INDEMNITY GROUP LLC-A (GBLI) Stock Fundamental Analysis
USA - NYSE:GBLI - US37959R1032 - Common Stock
29.05 USD
+0.05 (+0.17%)
Overall GBLI gets a fundamental rating of 3 out of 10. We evaluated GBLI against 147 industry peers in the Insurance industry. GBLI scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. GBLI has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally GBLI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GBLI was profitable.
In the past year GBLI had a positive cash flow from operations.
In multiple years GBLI reported negative net income over the last 5 years.
GBLI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.62%, GBLI perfoms like the industry average, outperforming 44.90% of the companies in the same industry.
The Return On Equity of GBLI (4.00%) is worse than 78.23% of its industry peers.
GBLI has a Return On Invested Capital of 1.63%. This is comparable to the rest of the industry: GBLI outperforms 44.90% of its industry peers.
GBLI had an Average Return On Invested Capital over the past 3 years of 2.03%. This is below the industry average of 4.46%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 4% | ||
| ROIC | 1.63% |
ROA(3y)1.29%
ROA(5y)0.84%
ROE(3y)3.3%
ROE(5y)2.2%
ROIC(3y)2.03%
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 6.33%, GBLI perfoms like the industry average, outperforming 44.90% of the companies in the same industry.
GBLI's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 8.17%, GBLI is doing worse than 63.95% of the companies in the same industry.
GBLI's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.17% | ||
| PM (TTM) | 6.33% | ||
| GM | N/A |
OM growth 3Y24.99%
OM growth 5Y-6.13%
PM growth 3Y31.76%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GBLI is destroying value.
Compared to 1 year ago, GBLI has about the same amount of shares outstanding.
The number of shares outstanding for GBLI has been reduced compared to 5 years ago.
GBLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
GBLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.19
WACC8.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.04% over the past year.
Looking at the last year, GBLI shows a decrease in Revenue. The Revenue has decreased by -3.71% in the last year.
GBLI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.16% yearly.
EPS 1Y (TTM)4.04%
EPS 3Y124.13%
EPS 5Y0%
EPS Q2Q%-1.39%
Revenue 1Y (TTM)-3.71%
Revenue growth 3Y-13.36%
Revenue growth 5Y-6.16%
Sales Q2Q%1.69%
3.2 Future
The Earnings Per Share is expected to grow by 5.50% on average over the next years.
GBLI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.92% yearly.
EPS Next Y-33.23%
EPS Next 2Y-0.17%
EPS Next 3Y5.5%
EPS Next 5YN/A
Revenue Next Year2.02%
Revenue Next 2Y4.92%
Revenue Next 3YN/A
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
GBLI is valuated reasonably with a Price/Earnings ratio of 10.27.
Based on the Price/Earnings ratio, GBLI is valued a bit cheaper than 60.54% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.42. GBLI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.59, the valuation of GBLI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GBLI is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.94. GBLI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GBLI is on the same level as its industry peers.
68.03% of the companies in the same industry are cheaper than GBLI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.44 | ||
| EV/EBITDA | 8.3 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.17%
EPS Next 3Y5.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.83%, GBLI is a good candidate for dividend investing.
GBLI's Dividend Yield is rather good when compared to the industry average which is at 3.31. GBLI pays more dividend than 85.71% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, GBLI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
5.2 History
On average, the dividend of GBLI grows each year by 7.47%, which is quite nice.
GBLI has been paying a dividend for over 5 years, so it has already some track record.
GBLI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.47%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
GBLI pays out 71.92% of its income as dividend. This is not a sustainable payout ratio.
GBLI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP71.92%
EPS Next 2Y-0.17%
EPS Next 3Y5.5%
NYSE:GBLI (10/20/2025, 12:58:51 PM)
29.05
+0.05 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners53.53%
Inst Owner Change-0.09%
Ins Owners33.07%
Ins Owner Change4.18%
Market Cap415.42M
Analysts43.33
Price Target56.1 (93.12%)
Short Float %0.18%
Short Ratio2.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
Yearly Dividend1.43
Dividend Growth(5Y)7.47%
DP71.92%
Div Incr Years1
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)64.1%
Min EPS beat(2)-9.6%
Max EPS beat(2)137.8%
EPS beat(4)2
Avg EPS beat(4)41.79%
Min EPS beat(4)-19.26%
Max EPS beat(4)137.8%
EPS beat(8)5
Avg EPS beat(8)32.21%
EPS beat(12)5
Avg EPS beat(12)6.93%
EPS beat(16)5
Avg EPS beat(16)-42.17%
Revenue beat(2)0
Avg Revenue beat(2)-14.32%
Min Revenue beat(2)-18.71%
Max Revenue beat(2)-9.93%
Revenue beat(4)0
Avg Revenue beat(4)-11.57%
Min Revenue beat(4)-18.71%
Max Revenue beat(4)-6.74%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)-3.8%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-7.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 9.59 | ||
| P/S | 0.95 | ||
| P/FCF | 36.44 | ||
| P/OCF | 36.44 | ||
| P/B | 0.6 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 8.3 |
EPS(TTM)2.83
EY9.74%
EPS(NY)3.03
Fwd EY10.43%
FCF(TTM)0.8
FCFY2.74%
OCF(TTM)0.8
OCFY2.74%
SpS30.73
BVpS48.67
TBVpS47.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 4% | ||
| ROCE | 2.1% | ||
| ROIC | 1.63% | ||
| ROICexc | 1.7% | ||
| ROICexgc | 1.78% | ||
| OM | 8.17% | ||
| PM (TTM) | 6.33% | ||
| GM | N/A | ||
| FCFM | 2.59% |
ROA(3y)1.29%
ROA(5y)0.84%
ROE(3y)3.3%
ROE(5y)2.2%
ROIC(3y)2.03%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.16%
ROICexgc(5y)N/A
ROCE(3y)2.61%
ROCE(5y)N/A
ROICexcg growth 3Y11.47%
ROICexcg growth 5Y-9.39%
ROICexc growth 3Y12.59%
ROICexc growth 5Y-8.98%
OM growth 3Y24.99%
OM growth 5Y-6.13%
PM growth 3Y31.76%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 27.24% | ||
| Profit Quality | 40.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.66%
ROIC/WACC0.19
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
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)4.04%
EPS 3Y124.13%
EPS 5Y0%
EPS Q2Q%-1.39%
EPS Next Y-33.23%
EPS Next 2Y-0.17%
EPS Next 3Y5.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.71%
Revenue growth 3Y-13.36%
Revenue growth 5Y-6.16%
Sales Q2Q%1.69%
Revenue Next Year2.02%
Revenue Next 2Y4.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-20.82%
EBIT growth 3Y8.3%
EBIT growth 5Y-11.91%
EBIT Next Year-30.35%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-71.43%
FCF growth 3Y-24.55%
FCF growth 5Y3.78%
OCF growth 1Y-71.43%
OCF growth 3Y-24.55%
OCF growth 5Y3.78%