GLOBAL INDEMNITY GROUP LLC-A (GBLI) Stock Fundamental Analysis
NYSE:GBLI - New York Stock Exchange, Inc. - US37959R1032 - Common Stock - Currency: USD
Taking everything into account, GBLI scores 4 out of 10 in our fundamental rating. GBLI was compared to 143 industry peers in the Insurance industry. The financial health of GBLI is average, but there are quite some concerns on its profitability. GBLI is not valued too expensively and it also shows a decent growth rate. GBLI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GBLI had positive earnings in the past year.
GBLI had a positive operating cash flow in the past year.
In multiple years GBLI reported negative net income over the last 5 years.
Each year in the past 5 years GBLI had a positive operating cash flow.
1.2 Ratios
GBLI has a Return On Assets (2.47%) which is in line with its industry peers.
GBLI's Return On Equity of 6.21% is on the low side compared to the rest of the industry. GBLI is outperformed by 68.53% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.49%, GBLI is in line with its industry, outperforming 54.55% of the companies in the same industry.
GBLI had an Average Return On Invested Capital over the past 3 years of 2.04%. This is below the industry average of 4.23%.
The last Return On Invested Capital (2.49%) for GBLI is above the 3 year average (2.04%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.47% | ||
| ROE | 6.21% | ||
| ROIC | 2.49% |
ROA(3y)1.28%
ROA(5y)0.83%
ROE(3y)3.28%
ROE(5y)2.2%
ROIC(3y)2.04%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of GBLI (9.70%) is better than 61.54% of its industry peers.
In the last couple of years the Profit Margin of GBLI has declined.
With a Operating Margin value of 12.46%, GBLI perfoms like the industry average, outperforming 55.94% of the companies in the same industry.
In the last couple of years the Operating Margin of GBLI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.46% | ||
| PM (TTM) | 9.7% | ||
| GM | N/A |
OM growth 3Y24.96%
OM growth 5Y-6.14%
PM growth 3Y31.56%
PM growth 5Y-3.42%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GBLI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for GBLI has been increased compared to 1 year ago.
Compared to 5 years ago, GBLI has less shares outstanding
There is no outstanding debt for GBLI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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/WACC0.27
WACC9.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GBLI have decreased strongly by -21.20% in the last year.
Looking at the last year, GBLI shows a very negative growth in Revenue. The Revenue has decreased by -16.46% in the last year.
Measured over the past years, GBLI shows a decrease in Revenue. The Revenue has been decreasing by -6.16% on average per year.
EPS 1Y (TTM)-21.2%
EPS 3Y124.13%
EPS 5Y0%
EPS Q2Q%-138.96%
Revenue 1Y (TTM)-16.46%
Revenue growth 3Y-13.36%
Revenue growth 5Y-6.16%
Sales Q2Q%-3.24%
3.2 Future
Based on estimates for the next years, GBLI will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.99% on average per year.
GBLI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.75% yearly.
EPS Next Y4.01%
EPS Next 2Y12.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.14%
Revenue Next 2Y9.75%
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
The Price/Earnings ratio is 15.23, which indicates a correct valuation of GBLI.
GBLI's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 24.85. GBLI is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 7.73, the valuation of GBLI can be described as very cheap.
Based on the Price/Forward Earnings ratio, GBLI is valued a bit cheaper than the industry average as 71.33% of the companies are valued more expensively.
GBLI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 7.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GBLI is valued a bit cheaper than the industry average as 69.23% of the companies are valued more expensively.
GBLI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.01 | ||
| EV/EBITDA | 6.74 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GBLI does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as GBLI's earnings are expected to grow with 12.99% in the coming years.
PEG (NY)3.79
PEG (5Y)N/A
EPS Next 2Y12.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.69%, GBLI is a good candidate for dividend investing.
GBLI's Dividend Yield is rather good when compared to the industry average which is at 3.20. GBLI pays more dividend than 84.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, GBLI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
5.2 History
On average, the dividend of GBLI grows each year by 7.85%, 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)7.85%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
GBLI pays out 46.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of GBLI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.33%
EPS Next 2Y12.99%
EPS Next 3YN/A
NYSE:GBLI (5/14/2025, 8:04:01 PM)
29.9956
+0.12 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.65%
Inst Owner Change-0.01%
Ins Owners28.73%
Ins Owner Change1.85%
Market Cap427.74M
Analysts43.33
Price Target56.1 (87.03%)
Short Float %0.07%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
Yearly Dividend1.45
Dividend Growth(5Y)7.85%
DP46.33%
Div Incr Years1
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.49%
Min EPS beat(2)-19.26%
Max EPS beat(2)58.24%
EPS beat(4)3
Avg EPS beat(4)25.46%
Min EPS beat(4)-19.26%
Max EPS beat(4)58.24%
EPS beat(8)4
Avg EPS beat(8)7.61%
EPS beat(12)4
Avg EPS beat(12)-10.99%
EPS beat(16)5
Avg EPS beat(16)-50.49%
Revenue beat(2)0
Avg Revenue beat(2)-8.83%
Min Revenue beat(2)-10.92%
Max Revenue beat(2)-6.74%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-11.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 7.73 | ||
| P/S | 0.97 | ||
| P/FCF | 11.01 | ||
| P/OCF | 11.01 | ||
| P/B | 0.62 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 6.74 |
EPS(TTM)1.97
EY6.57%
EPS(NY)3.88
Fwd EY12.94%
FCF(TTM)2.72
FCFY9.08%
OCF(TTM)2.72
OCFY9.08%
SpS30.94
BVpS48.33
TBVpS47
PEG (NY)3.79
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.47% | ||
| ROE | 6.21% | ||
| ROCE | 3.19% | ||
| ROIC | 2.49% | ||
| ROICexc | 2.51% | ||
| ROICexgc | 2.63% | ||
| OM | 12.46% | ||
| PM (TTM) | 9.7% | ||
| GM | N/A | ||
| FCFM | 8.8% |
ROA(3y)1.28%
ROA(5y)0.83%
ROE(3y)3.28%
ROE(5y)2.2%
ROIC(3y)2.04%
ROIC(5y)N/A
ROICexc(3y)2.07%
ROICexc(5y)N/A
ROICexgc(3y)2.17%
ROICexgc(5y)N/A
ROCE(3y)2.61%
ROCE(5y)N/A
ROICexcg growth 3Y11.45%
ROICexcg growth 5Y-9.4%
ROICexc growth 3Y12.56%
ROICexc growth 5Y-8.99%
OM growth 3Y24.96%
OM growth 5Y-6.14%
PM growth 3Y31.56%
PM growth 5Y-3.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3232.71 | ||
| Cash Conversion | 63.96% | ||
| Profit Quality | 90.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9.09%
ROIC/WACC0.27
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)-21.2%
EPS 3Y124.13%
EPS 5Y0%
EPS Q2Q%-138.96%
EPS Next Y4.01%
EPS Next 2Y12.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.46%
Revenue growth 3Y-13.36%
Revenue growth 5Y-6.16%
Sales Q2Q%-3.24%
Revenue Next Year5.14%
Revenue Next 2Y9.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y67.1%
EBIT growth 3Y8.27%
EBIT growth 5Y-11.93%
EBIT Next Year5.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.45%
FCF growth 3Y-24.66%
FCF growth 5Y3.69%
OCF growth 1Y-9.45%
OCF growth 3Y-24.66%
OCF growth 5Y3.69%