INDEPENDENCE HOLDING CO (IHC) Stock Fundamental Analysis

USA • New York Stock Exchange • 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
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to IHC. IHC was compared to 147 industry peers in the Insurance industry. While IHC seems to be doing ok healthwise, there are quite some concerns on its profitability. IHC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • IHC had negative earnings in the past year.
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

  • The Operating Margin and Gross Margin are not available for IHC so they could not be analyzed.
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. Health

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

  • IHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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. Growth

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.
  • The Earnings Per Share has been decreasing by -5.66% on average over the past years.
  • The Revenue for IHC has decreased by -35.71% in the past year. This is quite bad
  • IHC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.14% yearly.
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. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for IHC. In the last year negative earnings were reported.
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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3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.21%, IHC is not a good candidate for dividend investing.
  • Compared to an average S&P500 Dividend Yield of 1.83, IHC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.21%

5.2 History

  • The dividend of IHC is nicely growing with an annual growth rate of 40.10%!
  • IHC has been paying a dividend for at least 10 years, so it has 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

  • 5.83% of the earnings are spent on dividend by IHC. This is a low number and 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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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%.