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TREAN INSURANCE GROUP INC (TIG) Stock Fundamental Analysis

USA - NASDAQ:TIG - US89457R1014 - Common Stock

6.16 USD
+0.01 (+0.16%)
Last: 4/20/2023, 8:13:47 PM
6.16 USD
0 (0%)
After Hours: 4/20/2023, 8:13:47 PM
Fundamental Rating

4

Overall TIG gets a fundamental rating of 4 out of 10. We evaluated TIG against 147 industry peers in the Insurance industry. TIG has a bad profitability rating. Also its financial health evaluation is rather negative. TIG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year TIG was profitable.
TIG had a positive operating cash flow in the past year.
Of the past 5 years TIG 4 years were profitable.
Each year in the past 5 years TIG had a positive operating cash flow.
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

TIG has negative profitability rations, so we won't be analyzing them here.
TIG has a Return On Invested Capital of 0.82%. This is comparable to the rest of the industry: TIG outperforms 56.34% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TIG is in line with the industry average of 4.49%.
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

Looking at the Operating Margin, with a value of 5.19%, TIG is in line with its industry, outperforming 52.82% of the companies in the same industry.
TIG's Operating Margin has declined in the last couple of years.
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

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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

The Debt to FCF ratio of TIG is 0.71, which is an excellent value as it means it would take TIG, only 0.71 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.71, TIG belongs to the top of the industry, outperforming 84.51% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that TIG is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.24, TIG is doing good in 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

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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

The Earnings Per Share is expected to grow by 102.56% on average over the next years. This is a very strong growth
TIG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.58% yearly.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 38.50, which means the current valuation is very expensive for TIG.
Based on the Price/Earnings ratio, TIG is valued a bit more expensive than the industry average as 64.08% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of TIG to the average of the S&P500 Index (26.76), we can say TIG is valued slightly more expensively.
A Price/Forward Earnings ratio of 11.65 indicates a reasonable valuation of TIG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TIG is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, TIG is valued a bit cheaper.
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

Based on the Enterprise Value to EBITDA ratio, TIG is valued a bit cheaper than 64.79% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TIG is valued a bit 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

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

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0

5. Dividend

5.1 Amount

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

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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 2023-03-09/amc
Earnings (Next)05-02 2023-05-02/amc
Inst Owners0%
Inst Owner Change0%
Ins Owners0.09%
Ins Owner Change0%
Market Cap315.63M
Revenue(TTM)313.86M
Net Income(TTM)-65955000
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.


What is the valuation status for TIG stock?

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


What is the profitability of TIG stock?

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


Can you provide the financial health for TIG stock?

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


Can you provide the dividend sustainability for TIG stock?

The dividend rating of TREAN INSURANCE GROUP INC (TIG) is 0 / 10 and the dividend payout ratio is 0%.