INDEPENDENCE HOLDING CO (IHC) Fundamental Analysis & Valuation

NYSE:IHC

57.01
+0.01 (+0.02%)
At close: Feb 15, 2022
57.06
+0.05 (+0.09%)
After Hours: 2/15/2022, 8:10:23 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This IHC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

1

Overall IHC gets a fundamental rating of 1 out of 10. We evaluated IHC against 149 industry peers in the Insurance industry. IHC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. IHC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

0

1. IHC Profitability Analysis

1.1 Basic Checks

  • In the past year IHC has reported negative net income.
IHC Yearly Net Income VS EBIT VS OCF VS FCFIHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 0 50M 100M

1.2 Ratios

Industry RankSector Rank
ROA 9.17%
ROE 19.58%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
IHC Yearly ROA, ROE, ROICIHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 5 10 15 20 25

1.3 Margins

  • IHC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 41.48%
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
IHC Yearly Profit, Operating, Gross MarginsIHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 10 20 30

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4

2. IHC Health Analysis

2.1 Basic Checks

  • IHC has less shares outstanding than it did 1 year ago.
  • There is no outstanding debt for IHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
IHC Yearly Shares OutstandingIHC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 5M 10M 15M
IHC Yearly Total Debt VS Total AssetsIHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.2 Solvency

  • There is no outstanding debt for IHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
IHC Yearly LT Debt VS Equity VS FCFIHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 100M 200M 300M 400M

2.3 Liquidity

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

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0

3. IHC Growth Analysis

3.1 Past

  • IHC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 2560.96%, which is quite impressive.
  • Measured over the past years, IHC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.66% on average per year.
  • IHC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -35.71%.
  • Measured over the past years, IHC shows a decrease in Revenue. The Revenue has been decreasing by -3.14% on average per year.
EPS 1Y (TTM)2560.96%
EPS 3Y-21.35%
EPS 5Y-5.66%
EPS Q2Q%100.16%
Revenue 1Y (TTM)-35.71%
Revenue growth 3Y11.47%
Revenue growth 5Y-3.14%
Sales Q2Q%-94.25%

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.
IHC Yearly Revenue VS EstimatesIHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 100M 200M 300M 400M 500M

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0

4. IHC Valuation Analysis

4.1 Price/Earnings Ratio

  • IHC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
IHC Price Earnings VS Forward Price EarningsIHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -102.34
IHC Per share dataIHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. IHC Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.21%, IHC is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.21, IHC pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.21%

5.2 History

  • On average, the dividend of IHC grows each year by 40.10%, which is quite nice.
  • IHC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)40.1%
Div Incr YearsN/A
Div Non Decr YearsN/A
IHC Yearly Dividends per shareIHC Yearly Dividends per shareYearly Dividends per share 2016 2017 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • IHC pays out 5.83% of its income as dividend. This is a sustainable payout ratio.
DP5.83%
EPS Next 2YN/A
EPS Next 3YN/A
IHC Yearly Income VS Free CF VS DividendIHC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 20M 40M 60M 80M 100M
IHC Dividend Payout.IHC Dividend Payout, showing the Payout Ratio.IHC Dividend Payout.PayoutRetained Earnings

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IHC Fundamentals: All Metrics, Ratios and Statistics

INDEPENDENCE HOLDING CO

NYSE:IHC (2/15/2022, 8:10:23 PM)

After market: 57.06 +0.05 (+0.09%)

57.01

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)03-14
Inst Owners0%
Inst Owner Change0%
Ins Owners1.61%
Ins Owner Change0%
Market Cap841.47M
Revenue(TTM)266.49M
Net Income(TTM)110.55M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.21%
Yearly Dividend0.44
Dividend Growth(5Y)40.1%
DP5.83%
Div Incr YearsN/A
Div Non Decr YearsN/A
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 N/A
Fwd PE N/A
P/S 3.16
P/FCF N/A
P/OCF N/A
P/B 1.49
P/tB N/A
EV/EBITDA -102.34
EPS(TTM)-0.07
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS18.05
BVpS38.25
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 9.17%
ROE 19.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.48%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2560.96%
EPS 3Y-21.35%
EPS 5Y-5.66%
EPS Q2Q%100.16%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-35.71%
Revenue growth 3Y11.47%
Revenue growth 5Y-3.14%
Sales Q2Q%-94.25%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

INDEPENDENCE HOLDING CO / IHC FAQ

What is the fundamental rating for IHC stock?

ChartMill assigns a fundamental rating of 4 / 10 to IHC.


What is the valuation status of INDEPENDENCE HOLDING CO (IHC) stock?

ChartMill assigns a valuation rating of 1 / 10 to INDEPENDENCE HOLDING CO (IHC). This can be considered as Overvalued.


How profitable is INDEPENDENCE HOLDING CO (IHC) stock?

INDEPENDENCE HOLDING CO (IHC) has a profitability rating of 7 / 10.


Is the dividend of INDEPENDENCE HOLDING CO sustainable?

The dividend rating of INDEPENDENCE HOLDING CO (IHC) is 4 / 10 and the dividend payout ratio is 5.83%.