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VERICITY INC (VERY) Stock Fundamental Analysis

NASDAQ:VERY - US92347D1000 - Common Stock

11.43 USD
+0.15 (+1.33%)
Last: 6/27/2024, 8:00:03 PM
Fundamental Rating

1

Taking everything into account, VERY scores 1 out of 10 in our fundamental rating. VERY was compared to 146 industry peers in the Insurance industry. Both the profitability and financial health of VERY have multiple concerns. VERY does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

VERY had negative earnings in the past year.
VERY had a positive operating cash flow in the past year.
In the past 5 years VERY always reported negative net income.
In multiple years VERY reported negative operating cash flow during the last 5 years.
VERY Yearly Net Income VS EBIT VS OCF VS FCFVERY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 -10M -20M

1.2 Ratios

VERY has a worse Return On Assets (-1.64%) than 85.61% of its industry peers.
VERY has a Return On Equity of -13.12%. This is amonst the worse of the industry: VERY underperforms 83.45% of its industry peers.
Industry RankSector Rank
ROA -1.64%
ROE -13.12%
ROIC N/A
ROA(3y)-1.99%
ROA(5y)-2.38%
ROE(3y)-12.35%
ROE(5y)-11.79%
ROIC(3y)N/A
ROIC(5y)N/A
VERY Yearly ROA, ROE, ROICVERY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 -5 -10 -15

1.3 Margins

VERY 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
VERY Yearly Profit, Operating, Gross MarginsVERY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 -5 -10 -15

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1

2. Health

2.1 Basic Checks

VERY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, VERY has about the same amount of shares outstanding.
The number of shares outstanding for VERY remains at a similar level compared to 5 years ago.
Compared to 1 year ago, VERY has a worse debt to assets ratio.
VERY Yearly Shares OutstandingVERY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M
VERY Yearly Total Debt VS Total AssetsVERY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

The Debt to FCF ratio of VERY is 5.87, which is a neutral value as it means it would take VERY, 5.87 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.87, VERY is not doing good in the industry: 68.35% of the companies in the same industry are doing better.
VERY has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of VERY (0.37) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 5.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.98%
VERY Yearly LT Debt VS Equity VS FCFVERY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VERY Yearly Current Assets VS Current LiabilitesVERY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.19% over the past year.
The Revenue has been growing slightly by 4.41% in the past year.
The Revenue has been growing slightly by 7.17% on average over the past years.
EPS 1Y (TTM)19.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-185.77%
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.79%
Revenue growth 5Y7.17%
Sales Q2Q%0.89%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
VERY Yearly Revenue VS EstimatesVERY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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4. Valuation

4.1 Price/Earnings Ratio

VERY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
VERY Price Earnings VS Forward Price EarningsVERY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VERY is valued a bit more expensive than the industry average as 64.03% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.48
EV/EBITDA N/A
VERY Per share dataVERY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

VERY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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VERICITY INC

NASDAQ:VERY (6/27/2024, 8:00:03 PM)

11.43

+0.15 (+1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-13 2024-05-13/amc
Earnings (Next)08-12 2024-08-12/amc
Inst Owners0.08%
Inst Owner Change0%
Ins Owners0.72%
Ins Owner Change0%
Market Cap170.08M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.97
P/FCF 19.48
P/OCF 19.48
P/B 1.65
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)-0.91
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.59
FCFY5.13%
OCF(TTM)0.59
OCFY5.13%
SpS11.78
BVpS6.94
TBVpS6.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.64%
ROE -13.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 4.98%
ROA(3y)-1.99%
ROA(5y)-2.38%
ROE(3y)-12.35%
ROE(5y)-11.79%
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-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 5.87
Debt/EBITDA N/A
Cap/Depr N/A
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-Score4
WACC7.98%
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)19.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-185.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.41%
Revenue growth 3Y5.79%
Revenue growth 5Y7.17%
Sales Q2Q%0.89%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.29%
FCF growth 3Y-3.03%
FCF growth 5Y2.85%
OCF growth 1Y21.29%
OCF growth 3Y-3.03%
OCF growth 5Y2.85%