TREAN INSURANCE GROUP INC (TIG) Stock Fundamental Analysis

NASDAQ:TIG • US89457R1014

6.16 USD
+0.01 (+0.16%)
At close: Apr 20, 2023
6.16 USD
0 (0%)
After Hours: 4/20/2023, 8:13:47 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, TIG scores 3 out of 10 in our fundamental rating. TIG was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of TIG have multiple concerns. TIG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year TIG was profitable.
  • In the past year TIG had a positive cash flow from operations.
TIG Yearly Net Income VS EBIT VS OCF VS FCFTIG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 0 50M -50M 100M

1.2 Ratios

  • The profitability ratios for TIG are negative, so there is not much use analyzing them.
  • With a Return On Invested Capital value of 0.82%, TIG perfoms like the industry average, outperforming 56.34% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for TIG is significantly below the industry average of 15.27%.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC 0.82%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)2.75%
ROIC(5y)N/A
TIG Yearly ROA, ROE, ROICTIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 0 10 -10 20 -20

1.3 Margins

  • The Operating Margin of TIG (5.19%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of TIG has declined.
  • The Profit Margin and Gross Margin are not available for TIG so they could not be analyzed.
Industry RankSector Rank
OM 5.19%
PM (TTM) N/A
GM N/A
OM growth 3Y-45.88%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TIG Yearly Profit, Operating, Gross MarginsTIG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for TIG remains at a similar level compared to 1 year ago.
  • TIG has a worse debt/assets ratio than last year.
TIG Yearly Shares OutstandingTIG Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
TIG Yearly Total Debt VS Total AssetsTIG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 500M 1B 1.5B

2.2 Solvency

  • TIG has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
  • TIG has a better Debt to FCF ratio (0.71) than 84.51% of its industry peers.
  • A Debt/Equity ratio of 0.24 indicates that TIG is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.24, TIG is in the better half of the industry, outperforming 72.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.71
Altman-Z N/A
ROIC/WACC0.11
WACC7.55%
TIG Yearly LT Debt VS Equity VS FCFTIG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TIG Yearly Current Assets VS Current LiabilitesTIG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 50M 100M 150M

More info and screens

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

6

3. Growth

3.1 Past

  • The earnings per share for TIG have decreased strongly by -62.79% in the last year.
  • The Revenue has grown by 45.93% in the past year. This is a very strong growth!
  • TIG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 48.63% yearly.
EPS 1Y (TTM)-62.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-650%
Revenue 1Y (TTM)45.93%
Revenue growth 3Y48.63%
Revenue growth 5YN/A
Sales Q2Q%40.41%

3.2 Future

  • TIG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 102.56% yearly.
  • The Revenue is expected to grow by 12.58% on average over the next years. This is quite good.
EPS Next Y230.35%
EPS Next 2Y102.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.62%
Revenue Next 2Y12.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
TIG Yearly Revenue VS EstimatesTIG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
TIG Yearly EPS VS EstimatesTIG Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 0.2 0.4 0.6

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 38.50, TIG can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of TIG indicates a slightly more expensive valuation: TIG is more expensive than 64.08% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of TIG to the average of the S&P500 Index (27.13), we can say TIG is valued slightly more expensively.
  • TIG is valuated reasonably with a Price/Forward Earnings ratio of 11.65.
  • TIG's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of TIG to the average of the S&P500 Index (28.11), we can say TIG is valued rather cheaply.
Industry RankSector Rank
PE 38.5
Fwd PE 11.65
TIG Price Earnings VS Forward Price EarningsTIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TIG indicates a somewhat cheap valuation: TIG is cheaper than 64.79% of the companies listed in the same industry.
  • TIG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TIG is cheaper than 79.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.91
EV/EBITDA 12.33
TIG Per share dataTIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TIG's earnings are expected to grow with 102.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y102.56%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • TIG 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

TREAN INSURANCE GROUP INC

NASDAQ:TIG (4/20/2023, 8:13:47 PM)

After market: 6.16 0 (0%)

6.16

+0.01 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-09
Earnings (Next)05-02
Inst Owners0%
Inst Owner Change0%
Ins Owners0.09%
Ins Owner Change0%
Market Cap315.63M
Revenue(TTM)313.86M
Net Income(TTM)-65.95M
Analysts49.09
Price Target6.27 (1.79%)
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)-162.24%
Min EPS beat(2)-348.94%
Max EPS beat(2)24.47%
EPS beat(4)2
Avg EPS beat(4)-66.03%
Min EPS beat(4)-348.94%
Max EPS beat(4)61.35%
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)2
Avg Revenue beat(2)25.08%
Min Revenue beat(2)17.76%
Max Revenue beat(2)32.41%
Revenue beat(4)3
Avg Revenue beat(4)15.76%
Min Revenue beat(4)-0.52%
Max Revenue beat(4)32.41%
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)0%
PT rev (3m)-13.07%
EPS NQ rev (1m)25%
EPS NQ rev (3m)-16.67%
EPS NY rev (1m)-3.53%
EPS NY rev (3m)-3.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.54%
Revenue NY rev (3m)1.54%
Valuation
Industry RankSector Rank
PE 38.5
Fwd PE 11.65
P/S 1.01
P/FCF 2.91
P/OCF 2.9
P/B 1
P/tB 1.74
EV/EBITDA 12.33
EPS(TTM)0.16
EY2.6%
EPS(NY)0.53
Fwd EY8.58%
FCF(TTM)2.12
FCFY34.41%
OCF(TTM)2.13
OCFY34.52%
SpS6.13
BVpS6.15
TBVpS3.54
PEG (NY)0.17
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC 0.82%
ROICexc 0.88%
ROICexgc 1.68%
OM 5.19%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)2.75%
ROIC(5y)N/A
ROICexc(3y)1.54%
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-22.13%
ROICexgc growth 5YN/A
ROICexc growth 3Y-34.53%
ROICexc growth 5YN/A
OM growth 3Y-45.88%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.71
Debt/EBITDA 3.34
Cap/Depr 4.97%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC7.55%
ROIC/WACC0.11
Cap/Depr(3y)11.08%
Cap/Depr(5y)149.77%
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)-62.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-650%
EPS Next Y230.35%
EPS Next 2Y102.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.93%
Revenue growth 3Y48.63%
Revenue growth 5YN/A
Sales Q2Q%40.41%
Revenue Next Year7.62%
Revenue Next 2Y12.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-26.87%
EBIT growth 3Y-19.56%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.52%
FCF growth 3Y28.21%
FCF growth 5YN/A
OCF growth 1Y15.46%
OCF growth 3Y27.82%
OCF growth 5YN/A

TREAN INSURANCE GROUP INC / TIG FAQ

What is the fundamental rating for TIG stock?

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


Can you provide the valuation status for TREAN INSURANCE GROUP INC?

ChartMill assigns a valuation rating of 4 / 10 to TREAN INSURANCE GROUP INC (TIG). This can be considered as Fairly Valued.


Can you provide the profitability details for TREAN INSURANCE GROUP INC?

TREAN INSURANCE GROUP INC (TIG) has a profitability rating of 1 / 10.


What is the valuation of TREAN INSURANCE GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TREAN INSURANCE GROUP INC (TIG) is 38.5 and the Price/Book (PB) ratio is 1.


What is the financial health of TREAN INSURANCE GROUP INC (TIG) stock?

The financial health rating of TREAN INSURANCE GROUP INC (TIG) is 2 / 10.