SUNLIGHT FINANCIAL HOLDINGS (SUNL) Fundamental Analysis & Valuation

NYSE:SUNL • US86738J3041

Current stock price

1.25 USD
-0.56 (-30.94%)
Last:

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

0

1. SUNL Profitability Analysis

1.1 Basic Checks

  • SUNL had negative earnings in the past year.
  • SUNL had a positive operating cash flow in the past year.
SUNL Yearly Net Income VS EBIT VS OCF VS FCFSUNL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 -100M -200M -300M

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.
  • Looking at the Return On Equity, with a value of -221.97%, SUNL is doing worse than 92.45% of the companies in the same industry.
Industry RankSector 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
SUNL Yearly ROA, ROE, ROICSUNL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 -20 -40 -60 -80 -100

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for SUNL so they could not be analyzed.
Industry RankSector 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
SUNL Yearly Profit, Operating, Gross MarginsSUNL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 0 -100 -200 -300

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6

2. SUNL Health Analysis

2.1 Basic Checks

  • SUNL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SUNL has less shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, SUNL has a worse debt to assets ratio.
SUNL Yearly Shares OutstandingSUNL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 10M 20M 30M 40M 50M
SUNL Yearly Total Debt VS Total AssetsSUNL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of -3.09, we must say that SUNL is in the distress zone and has some risk of bankruptcy.
  • SUNL has a worse Altman-Z score (-3.09) than 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.
  • Looking at the Debt to FCF ratio, with a value of 1.14, SUNL belongs to the top of the industry, outperforming 92.45% of the companies in the same industry.
  • SUNL has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • SUNL has a Debt to Equity ratio of 0.30. This is amongst the best in the industry. SUNL outperforms 81.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.14
Altman-Z -3.09
ROIC/WACCN/A
WACC8.28%
SUNL Yearly LT Debt VS Equity VS FCFSUNL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 0 100M 200M 300M 400M 500M

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 Current ratio of 3.63. This is in the better half of the industry: SUNL outperforms 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.
  • SUNL has a Quick ratio of 3.63. This is in the better half of the industry: SUNL outperforms 79.25% of its industry peers.
Industry RankSector Rank
Current Ratio 3.63
Quick Ratio 3.63
SUNL Yearly Current Assets VS Current LiabilitesSUNL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 20M 40M 60M 80M

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

2

3. SUNL Growth Analysis

3.1 Past

  • SUNL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -61700.00%.
  • Looking at the last year, SUNL shows a very negative growth in Revenue. The Revenue has decreased by -74.07% in the last year.
EPS 1Y (TTM)-61700%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3900%
Revenue 1Y (TTM)-74.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-200.13%

3.2 Future

  • The Earnings Per Share is expected to grow by 29.02% on average over the next years. This is a very strong growth
  • 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

SUNL Yearly Revenue VS EstimatesSUNL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
SUNL Yearly EPS VS EstimatesSUNL Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 0 -2 -4 -6

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4

4. SUNL Valuation Analysis

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.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SUNL indicates a somewhat cheap valuation: SUNL is cheaper than 79.25% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.39, SUNL is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 4.76
SUNL Price Earnings VS Forward Price EarningsSUNL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SUNL is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.18
EV/EBITDA N/A
SUNL Per share dataSUNL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20

4.3 Compensation for Growth

  • SUNL's earnings are expected to grow with 29.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44%
EPS Next 3Y29.02%

More info and screens

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

0

5. SUNL Dividend Analysis

5.1 Amount

  • SUNL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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Find the best dividend stocksShow peers with best dividend

SUNL Fundamentals: All Metrics, Ratios and Statistics

SUNLIGHT FINANCIAL HOLDINGS

NYSE:SUNL (9/25/2023, 8:17:07 PM)

1.25

-0.56 (-30.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-09
Earnings (Next)11-13
Inst Owners4.9%
Inst Owner Change-99.08%
Ins Owners553.54%
Ins Owner Change0%
Market Cap8.18M
Revenue(TTM)31.52M
Net Income(TTM)-383.60M
Analysts42.5
Price Target5.1 (308%)
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)-99.5%
Min EPS beat(2)-271.87%
Max EPS beat(2)72.87%
EPS beat(4)3
Avg EPS beat(4)-26.77%
Min EPS beat(4)-271.87%
Max EPS beat(4)82.07%
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)1
Avg Revenue beat(2)-109.26%
Min Revenue beat(2)-226.01%
Max Revenue beat(2)7.48%
Revenue beat(4)2
Avg Revenue beat(4)-58.66%
Min Revenue beat(4)-226.01%
Max Revenue beat(4)7.48%
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)-28.57%
PT rev (3m)782.3%
EPS NQ rev (1m)46.63%
EPS NQ rev (3m)-3092.84%
EPS NY rev (1m)-2325.91%
EPS NY rev (3m)-11900%
Revenue NQ rev (1m)-93.97%
Revenue NQ rev (3m)-94.9%
Revenue NY rev (1m)-60.02%
Revenue NY rev (3m)-62.4%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.76
P/S 0.26
P/FCF 0.18
P/OCF 0.17
P/B 0.05
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-6.18
EYN/A
EPS(NY)0.26
Fwd EY21%
FCF(TTM)7.01
FCFY561.13%
OCF(TTM)7.42
OCFY593.42%
SpS4.82
BVpS26.42
TBVpS-20.15
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -88.23%
ROE -221.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 145.52%
ROA(3y)-30.1%
ROA(5y)N/A
ROE(3y)-54.13%
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-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 7.66%
Cap/Sales 8.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.63
Quick Ratio 3.63
Altman-Z -3.09
F-Score3
WACC8.28%
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)-61700%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3900%
EPS Next Y-71.91%
EPS Next 2Y44%
EPS Next 3Y29.02%
EPS Next 5YN/A
Revenue 1Y (TTM)-74.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-200.13%
Revenue Next Year-60.13%
Revenue Next 2Y-2.44%
Revenue Next 3Y1.61%
Revenue Next 5YN/A
EBIT growth 1Y-142.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year96.72%
EBIT Next 3Y27.28%
EBIT Next 5YN/A
FCF growth 1Y-220.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-509.15%
OCF growth 3YN/A
OCF growth 5YN/A

SUNLIGHT FINANCIAL HOLDINGS / SUNL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SUNLIGHT FINANCIAL HOLDINGS (SUNL) stock?

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


What is the valuation status for SUNL stock?

ChartMill assigns a valuation rating of 4 / 10 to SUNLIGHT FINANCIAL HOLDINGS (SUNL). This can be considered as Fairly Valued.


What is the profitability of SUNL stock?

SUNLIGHT FINANCIAL HOLDINGS (SUNL) has a profitability rating of 0 / 10.


What is the financial health of SUNLIGHT FINANCIAL HOLDINGS (SUNL) stock?

The financial health rating of SUNLIGHT FINANCIAL HOLDINGS (SUNL) is 6 / 10.


How sustainable is the dividend of SUNLIGHT FINANCIAL HOLDINGS (SUNL) stock?

The dividend rating of SUNLIGHT FINANCIAL HOLDINGS (SUNL) is 0 / 10 and the dividend payout ratio is 0%.