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VERICITY INC (VERY) Stock Fundamental Analysis

USA - NASDAQ:VERY - US92347D1000 - Common Stock

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

1

Overall VERY gets a fundamental rating of 1 out of 10. We evaluated VERY against 147 industry peers in the Insurance industry. Both the profitability and financial health of VERY have multiple concerns. VERY has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

VERY had negative earnings in the past year.
In the past year VERY had a positive cash flow from operations.
VERY had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: VERY reported negative operating cash flow in multiple 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

Looking at the Return On Assets, with a value of -1.64%, VERY is doing worse than 85.61% of the companies in the same industry.
With a Return On Equity value of -13.12%, VERY is not doing good in the industry: 83.45% of the companies in the same industry are doing better.
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

The Profit Margin and Operating Margin and Gross Margin are not available for VERY so they could not be analyzed.
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.
The number of shares outstanding for VERY remains at a similar level compared to 1 year ago.
VERY has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for VERY is higher compared to a year ago.
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.
VERY's Debt to FCF ratio of 5.87 is on the low side compared to the rest of the industry. VERY is outperformed by 68.35% of its industry peers.
A Debt/Equity ratio of 0.37 indicates that VERY is not too dependend on debt financing.
VERY has a Debt to Equity ratio of 0.37. This is comparable to the rest of the industry: VERY outperforms 47.48% of its industry peers.
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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1

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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0

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

VERY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. VERY is more expensive than 64.03% of the companies in the same industry.
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

No dividends for VERY!.
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
Revenue(TTM)175.29M
Net Income(TTM)-13537000
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
Graham NumberN/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
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-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%

VERICITY INC / VERY FAQ

Can you provide the ChartMill fundamental rating for VERICITY INC?

ChartMill assigns a fundamental rating of 1 / 10 to VERY.


What is the valuation status for VERY stock?

ChartMill assigns a valuation rating of 0 / 10 to VERICITY INC (VERY). This can be considered as Overvalued.


Can you provide the profitability details for VERICITY INC?

VERICITY INC (VERY) has a profitability rating of 1 / 10.


What is the financial health of VERICITY INC (VERY) stock?

The financial health rating of VERICITY INC (VERY) is 1 / 10.