ICC HOLDINGS INC (ICCH)
US44931Q1040 - Common Stock
We assign a fundamental rating of 3 out of 10 to ICCH. ICCH was compared to 141 industry peers in the Insurance industry. ICCH has a bad profitability rating. Also its financial health evaluation is rather negative. ICCH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ICCH was profitable.
ICCH had a positive operating cash flow in the past year.
Of the past 5 years ICCH 4 years were profitable.
In the past 5 years ICCH always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 2.02%, ICCH perfoms like the industry average, outperforming 57.86% of the companies in the same industry.
ICCH has a Return On Equity (6.36%) which is in line with its industry peers.
ICCH has a Return On Invested Capital (1.82%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 6.36% | ||
| ROIC | 1.82% |
ROA(3y)1.26%
ROA(5y)1.67%
ROE(3y)3.65%
ROE(5y)4.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ICCH has a Profit Margin of 5.19%. This is comparable to the rest of the industry: ICCH outperforms 45.71% of its industry peers.
ICCH's Profit Margin has improved in the last couple of years.
ICCH has a Operating Margin of 5.85%. This is in the lower half of the industry: ICCH underperforms 60.71% of its industry peers.
In the last couple of years the Operating Margin of ICCH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.85% | ||
| PM (TTM) | 5.19% | ||
| GM | N/A |
OM growth 3Y-3.67%
OM growth 5YN/A
PM growth 3Y-6.64%
PM growth 5Y23.87%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ICCH 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 ICCH has been reduced compared to 1 year ago.
Compared to 5 years ago, ICCH has more shares outstanding
The debt/assets ratio for ICCH has been reduced compared to a year ago.
2.2 Solvency
ICCH has a debt to FCF ratio of 2.39. This is a good value and a sign of high solvency as ICCH would need 2.39 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.39, ICCH is in line with its industry, outperforming 52.14% of the companies in the same industry.
ICCH has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
ICCH has a better Debt to Equity ratio (0.22) than 73.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.39 | ||
| Altman-Z | N/A |
ROIC/WACC0.25
WACC7.35%
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 grown by an impressive 1057.92% over the past year.
Measured over the past years, ICCH shows a very strong growth in Earnings Per Share. The EPS has been growing by 37.68% on average per year.
Looking at the last year, ICCH shows a quite strong growth in Revenue. The Revenue has grown by 19.96% in the last year.
ICCH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.40% yearly.
EPS 1Y (TTM)1057.92%
EPS 3Y7.35%
EPS 5Y37.68%
EPS growth Q2Q-7.92%
Revenue 1Y (TTM)19.96%
Revenue growth 3Y14.01%
Revenue growth 5Y10.4%
Revenue growth Q2Q7.3%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.10, the valuation of ICCH can be described as reasonable.
ICCH's Price/Earnings ratio is in line with the industry average.
ICCH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ICCH.
ICCH's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8 | ||
| EV/EBITDA | 11.45 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for ICCH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
ICC HOLDINGS INC
NASDAQ:ICCH (4/29/2024, 7:06:15 PM)
15.98
-0.02 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap50.18M
Analysts
Price Target
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| 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)0.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 6.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 5.85% | ||
| PM (TTM) | 5.19% | ||
| 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 Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| 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)1057.92%
EPS 3Y7.35%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.96%
Revenue growth 3Y14.01%
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