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ICC HOLDINGS INC (ICCH) Stock Fundamental Analysis

NASDAQ:ICCH - Nasdaq - US44931Q1040 - Common Stock - Currency: USD

23.49  0 (0%)

After market: 23.49 0 (0%)

Fundamental Rating

3

Taking everything into account, ICCH scores 3 out of 10 in our fundamental rating. ICCH was compared to 143 industry peers in the Insurance industry. ICCH has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, ICCH is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year ICCH was profitable.
In the past year ICCH had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2M 4M 6M 8M 10M

1.2 Ratios

ICCH's Return On Assets of 2.76% is fine compared to the rest of the industry. ICCH outperforms 60.84% of its industry peers.
ICCH's Return On Equity of 8.78% is in line compared to the rest of the industry. ICCH outperforms 45.45% of its industry peers.
ICCH has a Return On Invested Capital (2.53%) which is comparable to the rest of the industry.
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 2015 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.
In the last couple of years the Profit Margin of ICCH has grown nicely.
ICCH's Operating Margin of 8.07% is in line compared to the rest of the industry. ICCH outperforms 40.56% of its industry peers.
In the last couple of years the Operating Margin of ICCH has declined.
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 2015 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

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
ICCH has a better debt/assets ratio than last year.
ICCH Yearly Shares OutstandingICCH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M
ICCH Yearly Total Debt VS Total AssetsICCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 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.
Looking at the Debt to FCF ratio, with a value of 1.23, ICCH is in line with its industry, outperforming 59.44% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that ICCH is not too dependend on debt financing.
ICCH has a better Debt to Equity ratio (0.21) than 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 2015 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 2015 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.
The Earnings Per Share has been growing by 37.68% on average over the past years. This is a very strong growth
ICCH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.58%.
Measured over the past years, ICCH shows a quite strong growth in Revenue. The Revenue has been growing by 10.40% on average per year.
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 2014 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

ICCH is valuated reasonably with a Price/Earnings ratio of 10.82.
ICCH's Price/Earnings ratio is a bit cheaper when compared to the industry. ICCH is cheaper than 65.73% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.95. ICCH is valued rather cheaply when compared to this.
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

ICCH's Enterprise Value to EBITDA ratio is in line with the industry average.
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

No dividends for ICCH!.
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 Change111.02%
Ins Owners25.5%
Ins Owner Change-4.2%
Market Cap73.76M
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
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
ROICexcg growth 3Y6.35%
ROICexcg 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%