SUNLIGHT FINANCIAL HOLDINGS (SUNL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:SUNL • US86738J3041

1.25 USD
-0.56 (-30.94%)
Last: Sep 25, 2023, 08:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, SUNL scores 3 out of 10 in our fundamental rating. SUNL was compared to 54 industry peers in the Consumer Finance industry. The financial health of SUNL is average, but there are quite some concerns on its profitability. SUNL has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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

  • With a Return On Assets value of -88.23%, SUNL is not doing good in the industry: 98.11% of the companies in the same industry are doing better.
  • 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • SUNL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SUNL has less shares outstanding
  • 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.
  • SUNL's Altman-Z score of -3.09 is on the low side compared to the rest of the industry. SUNL is outperformed by 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.
  • SUNL's Debt to FCF ratio of 1.14 is amongst the best of the industry. SUNL outperforms 92.45% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that SUNL is not too dependend on debt financing.
  • 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.
  • Looking at the Quick ratio, with a value of 3.63, SUNL is in the better half of the industry, outperforming 79.25% of the companies in the same industry.
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

More info and screens

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

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

  • SUNL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.02% yearly.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • SUNL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 4.76 indicates a rather cheap valuation of SUNL.
  • 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.
  • When comparing the Price/Forward Earnings ratio of SUNL to the average of the S&P500 Index (27.78), 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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SUNL indicates a rather cheap valuation: SUNL is cheaper than 100.00% of the companies listed 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%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

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%.