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SUNLIGHT FINANCIAL HOLDINGS (SUNL) Stock Fundamental Analysis

NYSE:SUNL - US86738J3041 - Common Stock

1.25 USD
-0.56 (-30.94%)
Last: 9/25/2023, 8:17:07 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SUNL. SUNL was compared to 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 is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

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 worse Return On Assets (-88.23%) than 98.11% of its industry peers.
With a Return On Equity value of -221.97%, SUNL is not doing good in the industry: 92.45% of the companies in the same industry are doing better.
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. Health

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.
SUNL has a worse debt/assets ratio than last year.
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.
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.
With an excellent Debt to Equity ratio value of 0.30, SUNL belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
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.
Looking at the Current ratio, with a value of 3.63, SUNL is in the better half of the industry, outperforming 77.36% of the companies in the same industry.
A Quick Ratio of 3.63 indicates that SUNL has no problem at all paying 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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2

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 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
Based on estimates for the next years, SUNL will show a small growth in Revenue. The Revenue will grow by 1.61% on average per year.
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. Valuation

4.1 Price/Earnings Ratio

SUNL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 4.76, the valuation of SUNL can be described as very cheap.
Based on the Price/Forward Earnings ratio, SUNL is valued a bit cheaper than the industry average as 79.25% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, 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

SUNL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SUNL is 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

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%

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0

5. Dividend

5.1 Amount

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

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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 2023-08-09/amc
Earnings (Next)11-13 2023-11-13/amc
Inst Owners4.9%
Inst Owner Change-99.08%
Ins Owners553.54%
Ins Owner Change0%
Market Cap8.18M
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
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
ROICexcg growth 3YN/A
ROICexcg 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