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ICC HOLDINGS INC (ICCH) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ICCH - US44931Q1040 - Common Stock

23.49 USD
0 (0%)
Last: 3/12/2025, 8:09:19 PM
23.49 USD
0 (0%)
After Hours: 3/12/2025, 8:09:19 PM
Fundamental Rating

3

Taking everything into account, ICCH scores 3 out of 10 in our fundamental rating. ICCH was compared to 148 industry peers in the Insurance industry. There are concerns on the financial health of ICCH while its profitability can be described as average. ICCH is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year ICCH was profitable.
ICCH had a positive operating cash flow in the past year.
ICCH had positive earnings in 4 of the past 5 years.
In the past 5 years ICCH always reported a positive cash flow from operatings.
ICCH Yearly Net Income VS EBIT VS OCF VS FCFICCH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 2M 4M 6M 8M 10M

1.2 Ratios

ICCH has a Return On Assets of 2.76%. This is in the better half of the industry: ICCH outperforms 60.84% of its industry peers.
With a Return On Equity value of 8.78%, ICCH perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
ICCH has a Return On Invested Capital (2.53%) which is in line with its industry peers.
Industry RankSector Rank
ROA 2.76%
ROE 8.78%
ROIC 2.53%
ROA(3y)1.26%
ROA(5y)1.67%
ROE(3y)3.65%
ROE(5y)4.45%
ROIC(3y)N/A
ROIC(5y)N/A
ICCH Yearly ROA, ROE, ROICICCH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 7.02%, ICCH is in line with its industry, outperforming 53.15% of the companies in the same industry.
ICCH's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 8.07%, ICCH is in line with its industry, outperforming 40.56% of the companies in the same industry.
ICCH's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.07%
PM (TTM) 7.02%
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
ICCH Yearly Profit, Operating, Gross MarginsICCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 2 -2 4 6 8

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ICCH is destroying value.
The number of shares outstanding for ICCH has been reduced compared to 1 year ago.
Compared to 1 year ago, ICCH has an improved debt to assets ratio.
ICCH Yearly Shares OutstandingICCH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M
ICCH Yearly Total Debt VS Total AssetsICCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

2.2 Solvency

The Debt to FCF ratio of ICCH is 1.23, which is an excellent value as it means it would take ICCH, only 1.23 years of fcf income to pay off all of its debts.
ICCH has a Debt to FCF ratio of 1.23. This is comparable to the rest of the industry: ICCH outperforms 59.44% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that ICCH is not too dependend on debt financing.
ICCH's Debt to Equity ratio of 0.21 is fine compared to the rest of the industry. ICCH outperforms 71.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACC0.33
WACC7.55%
ICCH Yearly LT Debt VS Equity VS FCFICCH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ICCH Yearly Current Assets VS Current LiabilitesICCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M

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4

3. Growth

3.1 Past

ICCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.51%, which is quite impressive.
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.
ICCH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.58%.
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)42.51%
EPS 3Y7.35%
EPS 5Y37.68%
EPS Q2Q%366.23%
Revenue 1Y (TTM)13.58%
Revenue growth 3Y14.01%
Revenue growth 5Y10.4%
Sales Q2Q%20.86%

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.
ICCH Yearly Revenue VS EstimatesICCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.82, the valuation of ICCH can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ICCH indicates a somewhat cheap valuation: ICCH is cheaper than 65.73% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, ICCH is valued rather cheaply.
Industry RankSector Rank
PE 10.82
Fwd PE N/A
ICCH Price Earnings VS Forward Price EarningsICCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 a bit cheaper when compared to the industry. ICCH is cheaper than 65.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.04
EV/EBITDA 9.46
ICCH Per share dataICCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

ICCH does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ICC HOLDINGS INC

NASDAQ:ICCH (3/12/2025, 8:09:19 PM)

After market: 23.49 0 (0%)

23.49

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2025-02-26
Earnings (Next)05-05 2025-05-05
Inst Owners29.83%
Inst Owner Change0%
Ins Owners25.5%
Ins Owner Change0%
Market Cap73.76M
Revenue(TTM)91.43M
Net Income(TTM)6.42M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.82
Fwd PE N/A
P/S 0.81
P/FCF 6.04
P/OCF 5.3
P/B 1.01
P/tB 1.01
EV/EBITDA 9.46
EPS(TTM)2.17
EY9.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.89
FCFY16.57%
OCF(TTM)4.44
OCFY18.88%
SpS29.12
BVpS23.28
TBVpS23.28
PEG (NY)N/A
PEG (5Y)0.29
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 2.76%
ROE 8.78%
ROCE 3.28%
ROIC 2.53%
ROICexc 2.66%
ROICexgc 3.57%
OM 8.07%
PM (TTM) 7.02%
GM N/A
FCFM 13.37%
ROA(3y)1.26%
ROA(5y)1.67%
ROE(3y)3.65%
ROE(5y)4.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y6.35%
ROICexgc growth 5YN/A
ROICexc growth 3Y4.45%
ROICexc growth 5YN/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
F-Score9
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.23
Debt/EBITDA 1.82
Cap/Depr 203.17%
Cap/Sales 1.87%
Interest Coverage 38.38
Cash Conversion 169.42%
Profit Quality 190.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC7.55%
ROIC/WACC0.33
Cap/Depr(3y)305.65%
Cap/Depr(5y)265.63%
Cap/Sales(3y)3.23%
Cap/Sales(5y)2.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.51%
EPS 3Y7.35%
EPS 5Y37.68%
EPS Q2Q%366.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.58%
Revenue growth 3Y14.01%
Revenue growth 5Y10.4%
Sales Q2Q%20.86%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y40.31%
EBIT growth 3Y9.83%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.26%
FCF growth 3YN/A
FCF growth 5Y5.84%
OCF growth 1Y26.38%
OCF growth 3Y74.26%
OCF growth 5Y8.11%

ICC HOLDINGS INC / ICCH FAQ

Can you provide the ChartMill fundamental rating for ICC HOLDINGS INC?

ChartMill assigns a fundamental rating of 3 / 10 to ICCH.


Can you provide the valuation status for ICC HOLDINGS INC?

ChartMill assigns a valuation rating of 3 / 10 to ICC HOLDINGS INC (ICCH). This can be considered as Overvalued.


Can you provide the profitability details for ICC HOLDINGS INC?

ICC HOLDINGS INC (ICCH) has a profitability rating of 4 / 10.


How financially healthy is ICC HOLDINGS INC?

The financial health rating of ICC HOLDINGS INC (ICCH) is 3 / 10.