ICC HOLDINGS INC (ICCH) Stock Fundamental Analysis
USA - NASDAQ:ICCH - US44931Q1040 - Common Stock
23.49 USD
0 (0%)
23.49 USD
0 (0%)
ICCH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 147 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.
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.
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 decent Return On Assets value of 2.76%, ICCH is doing good in the industry, outperforming 60.84% of the companies in the same industry.
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.
With a Return On Invested Capital value of 2.53%, ICCH perfoms like the industry average, outperforming 53.85% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
ICCH's Profit Margin of 7.02% is in line compared to the rest of the industry. ICCH outperforms 53.15% of its industry peers.
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.
In the last couple of years the Operating Margin of ICCH has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ICCH is destroying value.
ICCH has less shares outstanding than it did 1 year ago.
ICCH has more shares outstanding than it did 5 years ago.
ICCH has a better debt/assets ratio than last year.
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 (1.23) which is in line with its industry peers.
ICCH has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.21, ICCH is in the better half of the industry, outperforming 71.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | N/A |
ROIC/WACC0.33
WACC7.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
Looking at the last year, ICCH shows a quite strong growth in Revenue. The Revenue has grown by 13.58% in the last year.
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.
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.
ICCH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.82 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ICCH is on the same level as its industry peers.
65.73% of the companies in the same industry are more expensive than ICCH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.04 | ||
| EV/EBITDA | 9.46 |
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 |
23.49
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.
What is the valuation status of ICC HOLDINGS INC (ICCH) stock?
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.
Can you provide the PE and PB ratios for ICCH stock?
The Price/Earnings (PE) ratio for ICC HOLDINGS INC (ICCH) is 10.82 and the Price/Book (PB) ratio is 1.01.
How financially healthy is ICC HOLDINGS INC?
The financial health rating of ICC HOLDINGS INC (ICCH) is 3 / 10.