GLOBAL INDEMNITY GROUP LLC-A (GBLI) Stock Fundamental Analysis
USA - NYSE:GBLI - US37959R1032 - Common Stock
29.88 USD
+0.02 (+0.06%)
Taking everything into account, GBLI scores 3 out of 10 in our fundamental rating. GBLI was compared to 146 industry peers in the Insurance industry. While GBLI seems to be doing ok healthwise, 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. GBLI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GBLI was profitable.
GBLI had a positive operating cash flow in the past year.
In multiple years GBLI reported negative net income over the last 5 years.
In the past 5 years GBLI always reported a positive cash flow from operatings.
1.2 Ratios
GBLI has a Return On Assets (1.61%) which is in line with its industry peers.
GBLI's Return On Equity of 3.98% is on the low side compared to the rest of the industry. GBLI is outperformed by 76.03% of its industry peers.
GBLI has a Return On Invested Capital (1.65%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for GBLI is below the industry average of 4.47%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.61% | ||
| ROE | 3.98% | ||
| ROIC | 1.65% |
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
Looking at the Profit Margin, with a value of 6.30%, GBLI is in line with its industry, outperforming 45.21% of the companies in the same industry.
In the last couple of years the Profit Margin of GBLI has declined.
With a Operating Margin value of 8.20%, GBLI is not doing good in the industry: 62.33% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of GBLI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.2% | ||
| PM (TTM) | 6.3% | ||
| 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.
Compared to 1 year ago, GBLI has more 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
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.19
WACC8.78%
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.
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
Based on estimates for the next years, GBLI will show a small growth in Earnings Per Share. The EPS will grow by 5.50% on average per year.
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-33.06%
EPS Next 2Y2.15%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 10.56, the valuation of GBLI can be described as very reasonable.
Based on the Price/Earnings ratio, GBLI is valued a bit cheaper than the industry average as 63.70% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of GBLI to the average of the S&P500 Index (27.38), we can say GBLI is valued rather cheaply.
GBLI is valuated reasonably with a Price/Forward Earnings ratio of 9.42.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GBLI is on the same level as its industry peers.
GBLI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 9.42 |
4.2 Price Multiples
GBLI's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, GBLI is valued a bit more expensive than the industry average as 69.18% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.82 | ||
| EV/EBITDA | 8.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.15%
EPS Next 3Y5.5%
5. Dividend
5.1 Amount
GBLI has a Yearly Dividend Yield of 4.69%, which is a nice return.
GBLI's Dividend Yield is rather good when compared to the industry average which is at 3.44. GBLI pays more dividend than 80.82% of the companies in the same industry.
GBLI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
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
72.21% of the earnings are spent on dividend by GBLI. This is not a sustainable payout ratio.
GBLI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP72.21%
EPS Next 2Y2.15%
EPS Next 3Y5.5%
NYSE:GBLI (9/19/2025, 8:12:18 PM)
29.88
+0.02 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.03%
Inst Owner Change-0.44%
Ins Owners33.04%
Ins Owner Change3.68%
Market Cap427.28M
Analysts43.33
Price Target56.1 (87.75%)
Short Float %0.2%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
Yearly Dividend1.45
Dividend Growth(5Y)7.85%
DP72.21%
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%
EPS NQ rev (3m)-4.43%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.83%
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 | 10.56 | ||
| Fwd PE | 9.42 | ||
| P/S | 0.97 | ||
| P/FCF | 37.82 | ||
| P/OCF | 37.82 | ||
| P/B | 0.61 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)2.83
EY9.47%
EPS(NY)3.17
Fwd EY10.62%
FCF(TTM)0.79
FCFY2.64%
OCF(TTM)0.79
OCFY2.64%
SpS30.73
BVpS48.62
TBVpS47.31
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.61% | ||
| ROE | 3.98% | ||
| ROCE | 2.11% | ||
| ROIC | 1.65% | ||
| ROICexc | 1.71% | ||
| ROICexgc | 1.79% | ||
| OM | 8.2% | ||
| PM (TTM) | 6.3% | ||
| GM | N/A | ||
| FCFM | 2.57% |
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 | 26.92% | ||
| Profit Quality | 40.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.78%
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-33.06%
EPS Next 2Y2.15%
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%
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-71.68%
FCF growth 3Y-24.66%
FCF growth 5Y3.69%
OCF growth 1Y-71.68%
OCF growth 3Y-24.66%
OCF growth 5Y3.69%