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INDEPENDENCE HOLDING CO (IHC) Stock Fundamental Analysis

NYSE:IHC - New York Stock Exchange, Inc. - Common Stock

57.01  +0.01 (+0.02%)

After market: 57.06 +0.05 (+0.09%)

Fundamental Rating

1

Taking everything into account, IHC scores 1 out of 10 in our fundamental rating. IHC was compared to 144 industry peers in the Insurance industry. The financial health of IHC is average, but there are quite some concerns on its profitability. IHC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

IHC had negative earnings in the past year.
IHC Yearly Net Income VS EBIT VS OCF VS FCFIHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 50M -50M 100M -100M -150M

1.2 Ratios

Industry RankSector Rank
ROA 9.17%
ROE 19.58%
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
IHC Yearly ROA, ROE, ROICIHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 5 10 15 20 25

1.3 Margins

The Operating Margin and Gross Margin are not available for IHC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 41.48%
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
IHC Yearly Profit, Operating, Gross MarginsIHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 10 20 30

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2. Health

2.1 Basic Checks

The number of shares outstanding for IHC has been reduced compared to 1 year ago.
There is no outstanding debt for IHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
IHC Yearly Shares OutstandingIHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 5M 10M 15M
IHC Yearly Total Debt VS Total AssetsIHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.2 Solvency

IHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
IHC Yearly LT Debt VS Equity VS FCFIHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 100M 200M 300M 400M

2.3 Liquidity

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

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3. Growth

3.1 Past

IHC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 2560.96%, which is quite impressive.
IHC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.66% yearly.
Looking at the last year, IHC shows a very negative growth in Revenue. The Revenue has decreased by -35.71% in the last year.
The Revenue has been decreasing by -3.14% on average over the past years.
EPS 1Y (TTM)2560.96%
EPS 3Y-21.35%
EPS 5Y-5.66%
EPS Q2Q%100.16%
Revenue 1Y (TTM)-35.71%
Revenue growth 3Y11.47%
Revenue growth 5Y-3.14%
Sales Q2Q%-94.25%

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.
IHC Yearly Revenue VS EstimatesIHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 100M 200M 300M 400M 500M
IHC Yearly EPS VS EstimatesIHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020

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4. Valuation

4.1 Price/Earnings Ratio

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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -102.34
IHC Per share dataIHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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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5. Dividend

5.1 Amount

With a yearly dividend of 0.21%, IHC is not a good candidate for dividend investing.
Compared to an average S&P500 Dividend Yield of 2.27, IHC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.21%

5.2 History

The dividend of IHC is nicely growing with an annual growth rate of 40.10%!
IHC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)40.1%
Div Incr YearsN/A
Div Non Decr YearsN/A
IHC Yearly Dividends per shareIHC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2019 2020 2021 2022 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

5.83% of the earnings are spent on dividend by IHC. This is a low number and sustainable payout ratio.
DP5.83%
EPS Next 2YN/A
EPS Next 3YN/A
IHC Yearly Income VS Free CF VS DividendIHC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 20M 40M 60M 80M 100M
IHC Dividend Payout.IHC Dividend Payout, showing the Payout Ratio.IHC Dividend Payout.PayoutRetained Earnings

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INDEPENDENCE HOLDING CO

NYSE:IHC (2/15/2022, 8:10:23 PM)

After market: 57.06 +0.05 (+0.09%)

57.01

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2021-11-04
Earnings (Next)03-14 2022-03-14/bmo
Inst Owners0%
Inst Owner Change0%
Ins Owners1.61%
Ins Owner Change0%
Market Cap841.47M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.21%
Yearly Dividend0.44
Dividend Growth(5Y)40.1%
DP5.83%
Div Incr YearsN/A
Div Non Decr YearsN/A
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 3.16
P/FCF N/A
P/OCF N/A
P/B 1.49
P/tB N/A
EV/EBITDA -102.34
EPS(TTM)-0.07
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS18.05
BVpS38.25
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.17%
ROE 19.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.48%
GM N/A
FCFM 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
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 3Y0%
ROICexcg growth 5Y0%
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-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
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-Score5
WACCN/A
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)2560.96%
EPS 3Y-21.35%
EPS 5Y-5.66%
EPS Q2Q%100.16%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-35.71%
Revenue growth 3Y11.47%
Revenue growth 5Y-3.14%
Sales Q2Q%-94.25%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A