FEDNAT HOLDING CO (FNHC)

US31431B1098 - Common Stock

0.2  -0.08 (-29.58%)

After market: 0.2003 +0 (+0.15%)

Fundamental Rating

1

Overall FNHC gets a fundamental rating of 1 out of 10. We evaluated FNHC against 140 industry peers in the Insurance industry. Both the profitability and financial health of FNHC have multiple concerns. FNHC has a expensive valuation and it also scores bad on growth.



1

1. Profitability

1.1 Basic Checks

FNHC had negative earnings in the past year.
FNHC had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FNHC reported negative net income in multiple years.
In multiple years FNHC reported negative operating cash flow during the last 5 years.

1.2 Ratios

Industry RankSector Rank
ROA -10.62%
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Industry RankSector Rank
OM -48.09%
PM (TTM) -54.3%
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

0

2. Health

2.1 Basic Checks

FNHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FNHC has more shares outstanding
FNHC has a worse debt/assets ratio than last year.

2.2 Solvency

FNHC has a Debt/Equity ratio of 8.41. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 8.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.72%

2.3 Liquidity

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

2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.78% over the past year.
Looking at the last year, FNHC shows a very negative growth in Revenue. The Revenue has decreased by -36.27% in the last year.
FNHC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.40% yearly.
EPS 1Y (TTM)6.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.22%
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y-4.4%
Sales Q2Q%-19.86%

3.2 Future

FNHC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.92% yearly.
The Revenue is expected to grow by 0.11% on average over the next years.
EPS Next Y71.85%
EPS Next 2Y41.42%
EPS Next 3Y25.99%
EPS Next 5Y18.92%
Revenue Next Year23.58%
Revenue Next 2Y-0.57%
Revenue Next 3Y-0.45%
Revenue Next 5Y0.11%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FNHC. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.32

4.3 Compensation for Growth

FNHC's earnings are expected to grow with 25.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y41.42%
EPS Next 3Y25.99%

0

5. Dividend

5.1 Amount

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

FEDNAT HOLDING CO

NASDAQ:FNHC (11/4/2022, 8:00:00 PM)

After market: 0.2003 +0 (+0.15%)

0.2

-0.08 (-29.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.50M
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 -10.62%
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM -48.09%
PM (TTM) -54.3%
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 Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 8.41
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)
High Growth Momentum
Growth
EPS 1Y (TTM)6.78%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y71.85%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-36.27%
Revenue growth 3Y-14.73%
Revenue growth 5Y
Sales 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