SUNLIGHT FINANCIAL HOLDINGS (SUNL) Fundamental Analysis & Valuation

NYSE:SUNL • US86738J3041

1.25 USD
-0.56 (-30.94%)
Last: Sep 25, 2023, 08:17 PM
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This SUNL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

SUNL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 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.


Dividend Valuation Growth Profitability Health

0

1. SUNL Profitability Analysis

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.
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 worse Return On Assets (-88.23%) than 98.11% of its industry peers.
  • SUNL has a worse Return On Equity (-221.97%) than 92.45% of its industry peers.
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

  • SUNL does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for SUNL has been reduced compared to 1 year ago.
  • The debt/assets ratio for SUNL is higher compared to a year ago.
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

  • 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.
  • The Altman-Z score of SUNL (-3.09) is worse than 73.58% of its industry peers.
  • SUNL has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
  • SUNL has a Debt to FCF ratio of 1.14. This is amongst the best in the industry. SUNL outperforms 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 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

  • SUNL has a Current Ratio of 3.63. This indicates that SUNL is financially healthy and has no problem in meeting 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.
  • SUNL has a better Quick ratio (3.63) than 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%.
  • SUNL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -74.07%.
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

  • SUNL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.02% yearly.
  • The Revenue is expected to grow by 1.61% on average over the next years.
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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Find the best growth stocksShow best growing peers

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.
  • SUNL is valuated cheaply with a Price/Forward Earnings ratio of 4.76.
  • 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.
  • When comparing the Price/Forward Earnings ratio of SUNL to the average of the S&P500 Index (24.57), we can say 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 5 10 15 20 25

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 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

  • 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%

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

More info and screens

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 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.


Can you provide the profitability details for SUNLIGHT FINANCIAL HOLDINGS?

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


Is the dividend of SUNLIGHT FINANCIAL HOLDINGS sustainable?

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