SUNLIGHT FINANCIAL HOLDINGS (SUNL)
US86738J3041 - Common Stock
Overall SUNL gets a fundamental rating of 3 out of 10. We evaluated SUNL against 51 industry peers in the Consumer Finance industry. SUNL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SUNL has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SUNL has reported negative net income.
In the past year SUNL had a positive cash flow from operations.
1.2 Ratios
SUNL has a Return On Assets of -88.23%. This is amonst the worse of the industry: SUNL underperforms 98.11% of its industry peers.
SUNL's Return On Equity of -221.97% is on the low side compared to the rest of the industry. SUNL is outperformed by 92.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -88.23% | ||
| ROE | -221.97% | ||
| ROIC | N/A |
ROA(3y)-30.1%
ROA(5y)N/A
ROE(3y)-54.13%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for SUNL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| 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
2. Health
2.1 Basic Checks
SUNL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SUNL has been reduced compared to 1 year ago.
Compared to 1 year ago, SUNL has a worse debt to assets ratio.
2.2 Solvency
SUNL has an Altman-Z score of -3.09. This is a bad value and indicates that SUNL is not financially healthy and even has some risk of bankruptcy.
SUNL has a Altman-Z score of -3.09. This is in the lower half of the industry: SUNL underperforms 73.58% of its industry peers.
The Debt to FCF ratio of SUNL is 1.14, which is an excellent value as it means it would take SUNL, only 1.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SUNL (1.14) is better than 92.45% of its industry peers.
SUNL has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
SUNL's Debt to Equity ratio of 0.30 is amongst the best of the industry. SUNL outperforms 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.14 | ||
| Altman-Z | -3.09 |
ROIC/WACCN/A
WACC8.28%
2.3 Liquidity
A Current Ratio of 3.63 indicates that SUNL has no problem at all paying its short term obligations.
SUNL has a better Current ratio (3.63) than 77.36% of its industry peers.
SUNL has a Quick Ratio of 3.63. This indicates that SUNL is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 3.63, SUNL is doing good in the industry, outperforming 79.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.63 | ||
| Quick Ratio | 3.63 |
3. Growth
3.1 Past
The earnings per share for SUNL have decreased strongly by -61700.00% in the last year.
The Revenue for SUNL has decreased by -74.07% in the past year. This is quite bad
EPS 1Y (TTM)-61700%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-3900%
Revenue 1Y (TTM)-74.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-200.13%
3.2 Future
Based on estimates for the next years, SUNL will show a very strong growth in Earnings Per Share. The EPS will grow by 29.02% on average per year.
SUNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.61% yearly.
EPS Next Y-71.91%
EPS Next 2Y44%
EPS Next 3Y29.02%
EPS Next 5YN/A
Revenue Next Year-60.13%
Revenue Next 2Y-2.44%
Revenue Next 3Y1.61%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for SUNL. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 4.76, the valuation of SUNL can be described as very cheap.
SUNL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SUNL is cheaper than 79.25% of the companies in the same industry.
SUNL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SUNL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as SUNL's earnings are expected to grow with 29.02% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44%
EPS Next 3Y29.02%
5. Dividend
5.1 Amount
No dividends for SUNL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SUNLIGHT FINANCIAL HOLDINGS
NYSE:SUNL (9/25/2023, 7:17:07 PM)
1.25
-0.56 (-30.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.18M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -88.23% | ||
| ROE | -221.97% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.63 | ||
| Quick Ratio | 3.63 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-61700%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-71.91%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-74.07%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y