GLOBAL INDEMNITY GROUP LLC-A (GBLI) Stock Fundamental Analysis
USA - NYSE:GBLI - US37959R1032 - Common Stock
29.17 USD
+0.17 (+0.59%)
GBLI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 147 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 on the other hand it scores bad on growth. 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 (1.62%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 4.00%, GBLI is doing worse than 78.23% of the companies in the same industry.
GBLI's Return On Invested Capital of 1.63% is in line compared 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
GBLI has a Profit Margin of 6.33%. This is comparable to the rest of the industry: GBLI outperforms 44.90% of its industry peers.
In the last couple of years the Profit Margin of GBLI has declined.
GBLI has a worse Operating Margin (8.17%) than 63.95% of its industry peers.
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
GBLI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
GBLI has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GBLI has less shares outstanding
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
GBLI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.04%.
The Revenue has decreased by -3.71% in the past year.
The Revenue has been decreasing by -6.16% on average over the past years.
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
GBLI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.50% yearly.
The Revenue is expected to grow by 4.92% on average over the next years.
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.
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
GBLI is valuated reasonably with a Price/Earnings ratio of 10.31.
Compared to the rest of the industry, the Price/Earnings ratio of GBLI indicates a somewhat cheap valuation: GBLI is cheaper than 60.54% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.42, GBLI is valued rather cheaply.
A Price/Forward Earnings ratio of 9.63 indicates a reasonable valuation of GBLI.
GBLI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of GBLI to the average of the S&P500 Index (22.94), we can say GBLI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.31 | ||
| Fwd PE | 9.63 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as GBLI.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GBLI indicates a slightly more expensive valuation: GBLI is more expensive than 68.03% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.59 | ||
| 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.
Compared to an average industry Dividend Yield of 3.31, GBLI pays a better dividend. On top of this GBLI pays more dividend than 85.71% of the companies listed 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.
As GBLI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.47%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
71.92% of the earnings are spent on dividend by GBLI. This is not a sustainable payout ratio.
The dividend of GBLI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP71.92%
EPS Next 2Y-0.17%
EPS Next 3Y5.5%
NYSE:GBLI (10/20/2025, 10:07:58 AM)
29.17
+0.17 (+0.59%)
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 Cap417.13M
Analysts43.33
Price Target56.1 (92.32%)
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 | 10.31 | ||
| Fwd PE | 9.63 | ||
| P/S | 0.95 | ||
| P/FCF | 36.59 | ||
| P/OCF | 36.59 | ||
| P/B | 0.6 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 8.3 |
EPS(TTM)2.83
EY9.7%
EPS(NY)3.03
Fwd EY10.39%
FCF(TTM)0.8
FCFY2.73%
OCF(TTM)0.8
OCFY2.73%
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%