FIDELIS INSURANCE HOLDINGS L (FIHL) Stock Fundamental Analysis
NYSE:FIHL - New York Stock Exchange, Inc. - BMG3398L1182 - Common Stock - Currency: USD
Overall FIHL gets a fundamental rating of 5 out of 10. We evaluated FIHL against 144 industry peers in the Insurance industry. FIHL has an excellent profitability rating, but there are concerns on its financial health. FIHL has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
FIHL had positive earnings in the past year.
FIHL had a positive operating cash flow in the past year.
Of the past 5 years FIHL 4 years were profitable.
Of the past 5 years FIHL 4 years had a positive operating cash flow.
1.2 Ratios
FIHL has a Return On Assets of 3.97%. This is in the better half of the industry: FIHL outperforms 71.13% of its industry peers.
FIHL's Return On Equity of 17.62% is fine compared to the rest of the industry. FIHL outperforms 72.54% of its industry peers.
FIHL's Return On Invested Capital of 3.09% is fine compared to the rest of the industry. FIHL outperforms 65.49% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FIHL is above the industry average of 4.55%.
The 3 year average ROIC (9.01%) for FIHL is well above the current ROIC(3.09%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.97% | ||
| ROE | 17.62% | ||
| ROIC | 3.09% |
ROA(3y)10.83%
ROA(5y)N/A
ROE(3y)43.55%
ROE(5y)N/A
ROIC(3y)9.01%
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 20.27%, FIHL belongs to the top of the industry, outperforming 84.51% of the companies in the same industry.
FIHL's Profit Margin has improved in the last couple of years.
FIHL has a better Operating Margin (19.30%) than 77.46% of its industry peers.
FIHL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.3% | ||
| PM (TTM) | 20.27% | ||
| GM | N/A |
OM growth 3Y8.43%
OM growth 5YN/A
PM growth 3Y14.97%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FIHL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
FIHL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
FIHL has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
FIHL has a better Debt to FCF ratio (0.74) than 71.13% of its industry peers.
FIHL has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, FIHL is in the better half of the industry, outperforming 72.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACC0.38
WACC8.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-191.3%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.89%
3.2 Future
FIHL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.48% yearly.
Based on estimates for the next years, FIHL will show a quite strong growth in Revenue. The Revenue will grow by 11.71% on average per year.
EPS Next Y283.78%
EPS Next 2Y106.87%
EPS Next 3Y58.83%
EPS Next 5Y41.48%
Revenue Next Year13.72%
Revenue Next 2Y11.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.92, which indicates a correct valuation of FIHL.
FIHL's Price/Earnings is on the same level as the industry average.
FIHL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.43.
The Price/Forward Earnings ratio is 3.89, which indicates a rather cheap valuation of FIHL.
FIHL's Price/Forward Earnings ratio is rather cheap when compared to the industry. FIHL is cheaper than 82.39% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FIHL to the average of the S&P500 Index (22.65), we can say FIHL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.92 | ||
| Fwd PE | 3.89 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FIHL is valued cheaper than 84.51% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FIHL is valued cheaper than 81.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.49 | ||
| EV/EBITDA | 3.11 |
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.
The decent profitability rating of FIHL may justify a higher PE ratio.
A more expensive valuation may be justified as FIHL's earnings are expected to grow with 58.83% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y106.87%
EPS Next 3Y58.83%
5. Dividend
5.1 Amount
FIHL has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
The stock price of FIHL dropped by -29.81% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
FIHL's Dividend Yield is a higher than the industry average which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.27, FIHL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
5.2 History
FIHL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y106.87%
EPS Next 3Y58.83%
NYSE:FIHL (2/26/2025, 12:48:29 PM)
14.625
+0.21 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.14%
Inst Owner ChangeN/A
Ins Owners0.36%
Ins Owner ChangeN/A
Market Cap1.70B
Analysts73.75
Price Target22.06 (50.84%)
Short Float %2.33%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.41%
Min EPS beat(2)-34.38%
Max EPS beat(2)19.57%
EPS beat(4)3
Avg EPS beat(4)8.98%
Min EPS beat(4)-34.38%
Max EPS beat(4)41.97%
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)1
Avg Revenue beat(2)-3.1%
Min Revenue beat(2)-11.4%
Max Revenue beat(2)5.2%
Revenue beat(4)2
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-16.42%
Max Revenue beat(4)18.83%
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)-3.17%
PT rev (3m)-1.46%
EPS NQ rev (1m)3.56%
EPS NQ rev (3m)5.4%
EPS NY rev (1m)0.58%
EPS NY rev (3m)8.77%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.92 | ||
| Fwd PE | 3.89 | ||
| P/S | 0.74 | ||
| P/FCF | 2.49 | ||
| P/OCF | 2.46 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 3.11 |
EPS(TTM)0.98
EY6.7%
EPS(NY)3.76
Fwd EY25.72%
FCF(TTM)5.87
FCFY40.14%
OCF(TTM)5.94
OCFY40.64%
SpS19.72
BVpS22.69
TBVpS22.69
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.97% | ||
| ROE | 17.62% | ||
| ROCE | 3.92% | ||
| ROIC | 3.09% | ||
| ROICexc | 3.33% | ||
| ROICexgc | 4.65% | ||
| OM | 19.3% | ||
| PM (TTM) | 20.27% | ||
| GM | N/A | ||
| FCFM | 29.77% |
ROA(3y)10.83%
ROA(5y)N/A
ROE(3y)43.55%
ROE(5y)N/A
ROIC(3y)9.01%
ROIC(5y)N/A
ROICexc(3y)9.84%
ROICexc(5y)N/A
ROICexgc(3y)13.69%
ROICexgc(5y)N/A
ROCE(3y)11.4%
ROCE(5y)N/A
ROICexcg growth 3Y45.87%
ROICexcg growth 5YN/A
ROICexc growth 3Y41.5%
ROICexc growth 5YN/A
OM growth 3Y8.43%
OM growth 5YN/A
PM growth 3Y14.97%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | 1.15 | ||
| Cap/Depr | 2833.33% | ||
| Cap/Sales | 0.37% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 156.03% | ||
| Profit Quality | 146.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.13%
ROIC/WACC0.38
Cap/Depr(3y)924.39%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.67%
Cap/Sales(5y)N/A
Profit Quality(3y)88.11%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-191.3%
EPS Next Y283.78%
EPS Next 2Y106.87%
EPS Next 3Y58.83%
EPS Next 5Y41.48%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.89%
Revenue Next Year13.72%
Revenue Next 2Y11.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-82.41%
EBIT growth 3Y80.22%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-32.5%
FCF growth 3Y15.3%
FCF growth 5YN/A
OCF growth 1Y-33.34%
OCF growth 3Y15.56%
OCF growth 5YN/A