MIDWEST HOLDING INC (MDWT) Fundamental Analysis & Valuation

NASDAQ:MDWT • US59833J2069

26.99 USD
0 (0%)
Last: Dec 20, 2023, 08:23 PM
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This MDWT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

MDWT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. MDWT has a bad profitability rating. Also its financial health evaluation is rather negative. MDWT is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

1

1. MDWT Profitability Analysis

1.1 Basic Checks

  • MDWT had negative earnings in the past year.
  • In the past year MDWT had a positive cash flow from operations.
MDWT Yearly Net Income VS EBIT VS OCF VS FCFMDWT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M 60M

1.2 Ratios

  • MDWT's Return On Assets of -0.10% is on the low side compared to the rest of the industry. MDWT is outperformed by 72.22% of its industry peers.
  • MDWT's Return On Equity of -17.23% is on the low side compared to the rest of the industry. MDWT is outperformed by 81.94% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.23%, MDWT is in line with its industry, outperforming 42.36% of the companies in the same industry.
Industry RankSector Rank
ROA -0.1%
ROE -17.23%
ROIC 0.23%
ROA(3y)-0.9%
ROA(5y)-2.59%
ROE(3y)-2.68%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MDWT Yearly ROA, ROE, ROICMDWT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 100 -100

1.3 Margins

  • MDWT's Operating Margin of 7.60% is in line compared to the rest of the industry. MDWT outperforms 48.61% of its industry peers.
  • The Profit Margin and Gross Margin are not available for MDWT so they could not be analyzed.
Industry RankSector Rank
OM 7.6%
PM (TTM) N/A
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
MDWT Yearly Profit, Operating, Gross MarginsMDWT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 -500 -1K -1.5K

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. MDWT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MDWT is destroying value.
  • Compared to 1 year ago, MDWT has about the same amount of shares outstanding.
  • The debt/assets ratio for MDWT is higher compared to a year ago.
MDWT Yearly Shares OutstandingMDWT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M
MDWT Yearly Total Debt VS Total AssetsMDWT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

2.2 Solvency

  • MDWT has a debt to FCF ratio of 0.25. This is a very positive value and a sign of high solvency as it would only need 0.25 years to pay back of all of its debts.
  • MDWT's Debt to FCF ratio of 0.25 is amongst the best of the industry. MDWT outperforms 95.14% of its industry peers.
  • A Debt/Equity ratio of 1.82 is on the high side and indicates that MDWT has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.82, MDWT is doing worse than 90.28% of the companies in the same industry.
  • Although MDWT does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 0.25
Altman-Z N/A
ROIC/WACC0.03
WACC7.98%
MDWT Yearly LT Debt VS Equity VS FCFMDWT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MDWT Yearly Current Assets VS Current LiabilitesMDWT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2M 4M 6M 8M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. MDWT Growth Analysis

3.1 Past

  • MDWT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 57.32%, which is quite impressive.
  • Looking at the last year, MDWT shows a very strong growth in Revenue. The Revenue has grown by 378.45%.
  • MDWT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 67.60% yearly.
EPS 1Y (TTM)57.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-233.33%
Revenue 1Y (TTM)378.45%
Revenue growth 3Y274.72%
Revenue growth 5Y67.6%
Sales Q2Q%1733.93%

3.2 Future

  • MDWT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 208.68% yearly.
  • MDWT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 34.73% yearly.
EPS Next Y828.57%
EPS Next 2Y208.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year73.04%
Revenue Next 2Y34.73%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
MDWT Yearly Revenue VS EstimatesMDWT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
MDWT Yearly EPS VS EstimatesMDWT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 0 1 -1 2 3

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5

4. MDWT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for MDWT. In the last year negative earnings were reported.
  • The Price/Forward Earnings ratio is 8.54, which indicates a very decent valuation of MDWT.
  • 67.36% of the companies in the same industry are more expensive than MDWT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.95, MDWT is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 8.54
MDWT Price Earnings VS Forward Price EarningsMDWT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

  • 96.53% of the companies in the same industry are more expensive than MDWT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.01
EV/EBITDA N/A
MDWT Per share dataMDWT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MDWT's earnings are expected to grow with 208.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y208.68%
EPS Next 3YN/A

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

0

5. MDWT Dividend Analysis

5.1 Amount

  • No dividends for MDWT!.
Industry RankSector Rank
Dividend Yield N/A

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MDWT Fundamentals: All Metrics, Ratios and Statistics

MIDWEST HOLDING INC

NASDAQ:MDWT (12/20/2023, 8:23:45 PM)

26.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)03-25
Inst Owners1%
Inst Owner Change0%
Ins Owners8033.91%
Ins Owner Change0%
Market Cap100.94M
Revenue(TTM)89.47M
Net Income(TTM)-2.36M
Analysts45.71
Price Target27.54 (2.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1485.07%
Min EPS beat(2)-430.5%
Max EPS beat(2)3400.65%
EPS beat(4)2
Avg EPS beat(4)671.12%
Min EPS beat(4)-430.5%
Max EPS beat(4)3400.65%
EPS beat(8)4
Avg EPS beat(8)362.28%
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)2
Avg Revenue beat(2)95.87%
Min Revenue beat(2)62.12%
Max Revenue beat(2)129.61%
Revenue beat(4)3
Avg Revenue beat(4)44.19%
Min Revenue beat(4)-56.58%
Max Revenue beat(4)129.61%
Revenue beat(8)4
Avg Revenue beat(8)-9.97%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-12.41%
EPS NY rev (3m)-12.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)99900%
Revenue NY rev (1m)13.87%
Revenue NY rev (3m)13.87%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.54
P/S 1.13
P/FCF 1.01
P/OCF 1.01
P/B 7.37
P/tB 7.37
EV/EBITDA N/A
EPS(TTM)-0.7
EYN/A
EPS(NY)3.16
Fwd EY11.72%
FCF(TTM)26.64
FCFY98.7%
OCF(TTM)26.74
OCFY99.07%
SpS23.92
BVpS3.66
TBVpS3.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.1%
ROE -17.23%
ROCE 0.29%
ROIC 0.23%
ROICexc 0.25%
ROICexgc 0.26%
OM 7.6%
PM (TTM) N/A
GM N/A
FCFM 111.36%
ROA(3y)-0.9%
ROA(5y)-2.59%
ROE(3y)-2.68%
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 3YN/A
ROICexgc growth 5YN/A
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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.82
Debt/FCF 0.25
Debt/EBITDA N/A
Cap/Depr -1.51%
Cap/Sales 0.41%
Interest Coverage 250
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.98%
ROIC/WACC0.03
Cap/Depr(3y)4.44%
Cap/Depr(5y)20.66%
Cap/Sales(3y)3.18%
Cap/Sales(5y)4.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)57.32%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-233.33%
EPS Next Y828.57%
EPS Next 2Y208.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)378.45%
Revenue growth 3Y274.72%
Revenue growth 5Y67.6%
Sales Q2Q%1733.93%
Revenue Next Year73.04%
Revenue Next 2Y34.73%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y216.44%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y462.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y464.3%
OCF growth 3YN/A
OCF growth 5YN/A

MIDWEST HOLDING INC / MDWT FAQ

Can you provide the ChartMill fundamental rating for MIDWEST HOLDING INC?

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


What is the valuation status for MDWT stock?

ChartMill assigns a valuation rating of 5 / 10 to MIDWEST HOLDING INC (MDWT). This can be considered as Fairly Valued.


How profitable is MIDWEST HOLDING INC (MDWT) stock?

MIDWEST HOLDING INC (MDWT) has a profitability rating of 1 / 10.


Is the dividend of MIDWEST HOLDING INC sustainable?

The dividend rating of MIDWEST HOLDING INC (MDWT) is 0 / 10 and the dividend payout ratio is 0%.