HALLMARK FINL SERVICES INC (HALL)

US40624Q3020 - Common Stock

0.82  -0.11 (-11.93%)

After market: 0.79 -0.03 (-3.66%)

Fundamental Rating

1

Overall HALL gets a fundamental rating of 1 out of 10. We evaluated HALL against 141 industry peers in the Insurance industry. Both the profitability and financial health of HALL have multiple concerns. HALL does not seem to be growing, but still is valued expensively.



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1

1. Profitability

1.1 Basic Checks

In the past year HALL has reported negative net income.
In the past year HALL has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: HALL reported negative net income in multiple years.
In multiple years HALL reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -7.30%, HALL is doing worse than 90.91% of the companies in the same industry.
Industry RankSector Rank
ROA -7.3%
ROE N/A
ROIC N/A
ROA(3y)-4.25%
ROA(5y)-2.4%
ROE(3y)-76.81%
ROE(5y)-45.33%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for HALL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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0

2. Health

2.1 Basic Checks

HALL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HALL remains at a similar level compared to 1 year ago.
Compared to 5 years ago, HALL has about the same amount of shares outstanding.
The debt/assets ratio for HALL is higher compared to a year ago.

2.2 Solvency

Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.59%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for HALL have decreased strongly by -3611.89% in the last year.
HALL shows a decrease in Revenue. In the last year, the revenue decreased by -3.94%.
The Revenue for HALL have been decreasing by -16.39% on average. This is quite bad
EPS 1Y (TTM)-3611.89%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q43.1%
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y-30.98%
Revenue growth 5Y-16.39%
Revenue growth Q2Q9.69%

3.2 Future

Based on estimates for the next years, HALL will show a very strong growth in Earnings Per Share. The EPS will grow by 39.71% on average per year.
Based on estimates for the next years, HALL will show a very negative growth in Revenue. The Revenue will decrease by -14.10% on average per year.
EPS Next Y82.71%
EPS Next 2Y39.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-30.73%
Revenue Next 2Y-14.1%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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1

4. Valuation

4.1 Price/Earnings Ratio

HALL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for HALL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as HALL's earnings are expected to grow with 39.71% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39.71%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for HALL!.
Industry RankSector Rank
Dividend Yield N/A

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HALLMARK FINL SERVICES INC

NASDAQ:HALL (1/4/2024, 7:03:29 PM)

After market: 0.79 -0.03 (-3.66%)

0.82

-0.11 (-11.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.49M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.3%
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-3611.89%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y82.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y-30.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y