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 has a valuation in line with the averages, but it does not seem to be growing. 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.
The reported net income has been mixed in the past 5 years: GBLI reported negative net income in multiple years.
In the past 5 years GBLI always reported a positive cash flow from operatings.
1.2 Ratios
GBLI has a Return On Assets (1.60%) which is in line with its industry peers.
GBLI has a Return On Equity of 3.99%. This is in the lower half of the industry: GBLI underperforms 74.13% of its industry peers.
GBLI's Return On Invested Capital of 1.63% is in line compared to the rest of the industry. GBLI outperforms 47.55% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GBLI is in line with the industry average of 3.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 3.99% | ||
| ROIC | 1.63% |
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
GBLI has a Profit Margin (6.27%) which is comparable to the rest of the industry.
GBLI's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 8.14%, GBLI perfoms like the industry average, outperforming 40.56% 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 | 8.14% | ||
| PM (TTM) | 6.27% | ||
| 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.
GBLI has more shares outstanding than it did 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/WACC0.18
WACC8.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GBLI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.04%.
The Revenue for GBLI has decreased by -16.46% in the past year. This is quite bad
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)4.04%
EPS 3Y124.13%
EPS 5Y0%
EPS Q2Q%-1.39%
Revenue 1Y (TTM)-16.46%
Revenue growth 3Y-13.36%
Revenue growth 5Y-6.16%
Sales Q2Q%1.69%
3.2 Future
GBLI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.73% yearly.
GBLI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.02% yearly.
EPS Next Y-28.03%
EPS Next 2Y6.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.14%
Revenue Next 2Y6.02%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.84, the valuation of GBLI can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of GBLI indicates a somewhat cheap valuation: GBLI is cheaper than 62.94% of the companies listed in the same industry.
GBLI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.41.
A Price/Forward Earnings ratio of 8.04 indicates a reasonable valuation of GBLI.
63.64% of the companies in the same industry are more expensive than GBLI, based on the Price/Forward Earnings ratio.
GBLI is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 8.04 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GBLI is valued a bit cheaper than 62.24% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GBLI is valued a bit more expensive than 66.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.41 | ||
| EV/EBITDA | 7.89 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GBLI has a Yearly Dividend Yield of 4.89%, which is a nice return.
GBLI's Dividend Yield is rather good when compared to the industry average which is at 3.35. GBLI pays more dividend than 83.22% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, GBLI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
5.2 History
The dividend of GBLI is nicely growing with an annual growth rate of 7.85%!
GBLI has been paying a dividend for over 5 years, so it has already some track record.
As GBLI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.85%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
GBLI pays out 72.94% 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.
DP72.94%
EPS Next 2Y6.73%
EPS Next 3YN/A
NYSE:GBLI (8/11/2025, 8:04:01 PM)
27.84
-0.78 (-2.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.03%
Inst Owner Change0%
Ins Owners33.04%
Ins Owner Change3.08%
Market Cap397.28M
Analysts43.33
Price Target56.1 (101.51%)
Short Float %0.09%
Short Ratio1.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
Yearly Dividend1.45
Dividend Growth(5Y)7.85%
DP72.94%
Div Incr Years1
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)59.27%
Min EPS beat(2)-19.26%
Max EPS beat(2)137.8%
EPS beat(4)3
Avg EPS beat(4)53.46%
Min EPS beat(4)-19.26%
Max EPS beat(4)137.8%
EPS beat(8)5
Avg EPS beat(8)32.81%
EPS beat(12)5
Avg EPS beat(12)4.3%
EPS beat(16)5
Avg EPS beat(16)-46.65%
Revenue beat(2)0
Avg Revenue beat(2)-12.72%
Min Revenue beat(2)-18.71%
Max Revenue beat(2)-6.74%
Revenue beat(4)0
Avg Revenue beat(4)-10.72%
Min Revenue beat(4)-18.71%
Max Revenue beat(4)-6.53%
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)-14.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-30.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 8.04 | ||
| P/S | 0.91 | ||
| P/FCF | 21.41 | ||
| P/OCF | 21.41 | ||
| P/B | 0.58 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 7.89 |
EPS(TTM)2.83
EY10.17%
EPS(NY)3.46
Fwd EY12.44%
FCF(TTM)1.3
FCFY4.67%
OCF(TTM)1.3
OCFY4.67%
SpS30.66
BVpS48.15
TBVpS46.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 3.99% | ||
| ROCE | 2.09% | ||
| ROIC | 1.63% | ||
| ROICexc | 1.71% | ||
| ROICexgc | 1.79% | ||
| OM | 8.14% | ||
| PM (TTM) | 6.27% | ||
| GM | N/A | ||
| FCFM | 4.24% |
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-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 | 44.71% | ||
| Profit Quality | 67.61% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.91%
ROIC/WACC0.18
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-28.03%
EPS Next 2Y6.73%
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%1.69%
Revenue Next Year4.14%
Revenue Next 2Y6.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.2%
EBIT growth 3Y8.27%
EBIT growth 5Y-11.93%
EBIT Next Year-29.18%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-68.87%
FCF growth 3Y-24.66%
FCF growth 5Y3.69%
OCF growth 1Y-68.87%
OCF growth 3Y-24.66%
OCF growth 5Y3.69%