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SUNLIGHT FINANCIAL HOLDINGS (SUNL) Stock Fundamental Analysis

NYSE:SUNL - New York Stock Exchange, Inc. - US86738J3041 - Common Stock - Currency: USD

1.25  -0.56 (-30.94%)

Fundamental Rating

3

SUNL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 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

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's Return On Assets of -88.23% is on the low side compared to the rest of the industry. SUNL is outperformed by 98.11% of its industry peers.
SUNL has a Return On Equity of -221.97%. This is amonst the worse of the industry: SUNL underperforms 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

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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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.
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.
With a Altman-Z score value of -3.09, SUNL is not doing good in the industry: 73.58% of the companies in the same industry are doing better.
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.
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.
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

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.
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.
The Quick ratio of SUNL (3.63) is better 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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3. Growth

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.
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. Valuation

4.1 Price/Earnings Ratio

SUNL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 4.76, the valuation of SUNL can be described as very cheap.
79.25% of the companies in the same industry are more expensive than SUNL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.09, 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 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

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%

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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