VERICITY INC (VERY)

US92347D1000 - Common Stock

11.36  +0.01 (+0.09%)

Fundamental Rating

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Overall VERY gets a fundamental rating of 1 out of 10. We evaluated VERY against 141 industry peers in the Insurance industry. Both the profitability and financial health of VERY have multiple concerns. VERY is valued expensive and it does not seem to be growing.



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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.
VERY had negative earnings in each of the past 5 years.
In multiple years VERY reported negative operating cash flow during the last 5 years.

1.2 Ratios

VERY has a Return On Assets of -1.20%. This is amonst the worse of the industry: VERY underperforms 81.43% of its industry peers.
VERY has a worse Return On Equity (-8.97%) than 76.43% of its industry peers.
Industry RankSector Rank
ROA -1.2%
ROE -8.97%
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

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

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2. Health

2.1 Basic Checks

VERY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for VERY remains at a similar level compared to 1 year ago.
Compared to 5 years ago, VERY has about the same amount of shares outstanding.
The debt/assets ratio for VERY is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of VERY is 10.14, which is on the high side as it means it would take VERY, 10.14 years of fcf income to pay off all of its debts.
VERY has a worse Debt to FCF ratio (10.14) than 70.00% of its industry peers.
VERY has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
VERY has a Debt to Equity ratio (0.36) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 10.14
Altman-Z N/A
ROIC/WACCN/A
WACC8.22%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 51.33% over the past year.
Looking at the last year, VERY shows a small growth in Revenue. The Revenue has grown by 7.09% in the last year.
VERY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.17% yearly.
EPS 1Y (TTM)51.33%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q72.89%
Revenue 1Y (TTM)7.09%
Revenue growth 3Y5.79%
Revenue growth 5Y7.17%
Revenue growth Q2Q5.58%

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.

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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

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VERY is valued a bit more expensive than 68.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 34.98
EV/EBITDA N/A

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 (4/29/2024, 2:51:12 PM)

11.36

+0.01 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap169.04M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.2%
ROE -8.97%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)51.33%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.09%
Revenue growth 3Y5.79%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y