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SIRIUSPOINT LTD (SPNT) Stock Fundamental Analysis

NYSE:SPNT - New York Stock Exchange, Inc. - BMG8192H1060 - Common Stock - Currency: USD

18.4  -0.05 (-0.27%)

After market: 18.4 0 (0%)

Fundamental Rating

3

SPNT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. Both the profitability and financial health of SPNT have multiple concerns. SPNT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SPNT had positive earnings in the past year.
In the past year SPNT has reported a negative cash flow from operations.
Of the past 5 years SPNT 4 years were profitable.
In the past 5 years SPNT always reported a positive cash flow from operatings.
SPNT Yearly Net Income VS EBIT VS OCF VS FCFSPNT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M

1.2 Ratios

The Return On Assets of SPNT (1.20%) is comparable to the rest of the industry.
SPNT has a Return On Equity of 7.25%. This is in the lower half of the industry: SPNT underperforms 64.83% of its industry peers.
SPNT's Return On Invested Capital of 3.33% is fine compared to the rest of the industry. SPNT outperforms 70.34% of its industry peers.
Industry RankSector Rank
ROA 1.2%
ROE 7.25%
ROIC 3.33%
ROA(3y)0.13%
ROA(5y)0.97%
ROE(3y)1.05%
ROE(5y)2.81%
ROIC(3y)N/A
ROIC(5y)N/A
SPNT Yearly ROA, ROE, ROICSPNT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin of SPNT (5.20%) is comparable to the rest of the industry.
SPNT's Profit Margin has declined in the last couple of years.
The Operating Margin of SPNT (16.65%) is better than 72.41% of its industry peers.
SPNT's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 16.65%
PM (TTM) 5.2%
GM N/A
OM growth 3YN/A
OM growth 5Y-4.18%
PM growth 3Y45.15%
PM growth 5Y-20.65%
GM growth 3YN/A
GM growth 5YN/A
SPNT Yearly Profit, Operating, Gross MarginsSPNT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

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2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SPNT is destroying value.
The number of shares outstanding for SPNT has been reduced compared to 1 year ago.
The number of shares outstanding for SPNT has been increased compared to 5 years ago.
SPNT has a better debt/assets ratio than last year.
SPNT Yearly Shares OutstandingSPNT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
SPNT Yearly Total Debt VS Total AssetsSPNT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

SPNT has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
SPNT's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. SPNT outperforms 50.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.38
WACC8.83%
SPNT Yearly LT Debt VS Equity VS FCFSPNT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SPNT Yearly Current Assets VS Current LiabilitesSPNT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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5

3. Growth

3.1 Past

The earnings per share for SPNT have decreased strongly by -42.86% in the last year.
SPNT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.97% yearly.
SPNT shows a small growth in Revenue. In the last year, the Revenue has grown by 3.02%.
The Revenue has been growing by 22.87% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-42.86%
EPS 3Y-21.17%
EPS 5Y-14.97%
EPS Q2Q%0%
Revenue 1Y (TTM)3.02%
Revenue growth 3Y8.91%
Revenue growth 5Y22.87%
Sales Q2Q%-8.58%

3.2 Future

Based on estimates for the next years, SPNT will show a very strong growth in Earnings Per Share. The EPS will grow by 44.67% on average per year.
Based on estimates for the next years, SPNT will show a small growth in Revenue. The Revenue will grow by 2.26% on average per year.
EPS Next Y127.41%
EPS Next 2Y58.74%
EPS Next 3Y44.67%
EPS Next 5YN/A
Revenue Next Year2.86%
Revenue Next 2Y5.48%
Revenue Next 3Y2.26%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SPNT Yearly Revenue VS EstimatesSPNT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
SPNT Yearly EPS VS EstimatesSPNT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.17, which indicates a rather expensive current valuation of SPNT.
Based on the Price/Earnings ratio, SPNT is valued a bit more expensive than the industry average as 64.83% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of SPNT to the average of the S&P500 Index (27.41), we can say SPNT is valued slightly cheaper.
The Price/Forward Earnings ratio is 7.61, which indicates a rather cheap valuation of SPNT.
Based on the Price/Forward Earnings ratio, SPNT is valued a bit cheaper than the industry average as 69.66% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 35.19. SPNT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 19.17
Fwd PE 7.61
SPNT Price Earnings VS Forward Price EarningsSPNT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

SPNT's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. SPNT is cheaper than 82.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.29
SPNT Per share dataSPNT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

SPNT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SPNT's earnings are expected to grow with 44.67% in the coming years.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y58.74%
EPS Next 3Y44.67%

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0

5. Dividend

5.1 Amount

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

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SIRIUSPOINT LTD

NYSE:SPNT (7/11/2025, 8:04:01 PM)

After market: 18.4 0 (0%)

18.4

-0.05 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)07-31 2025-07-31
Inst Owners88.44%
Inst Owner Change0%
Ins Owners2.12%
Ins Owner Change1.13%
Market Cap2.15B
Analysts84.44
Price Target20.4 (10.87%)
Short Float %2.11%
Short Ratio3.21
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.11
Dividend Growth(5Y)N/A
DP10.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.5%
Min EPS beat(2)-131.86%
Max EPS beat(2)108.87%
EPS beat(4)2
Avg EPS beat(4)-6.12%
Min EPS beat(4)-131.86%
Max EPS beat(4)108.87%
EPS beat(8)6
Avg EPS beat(8)50.93%
EPS beat(12)7
Avg EPS beat(12)14.93%
EPS beat(16)10
Avg EPS beat(16)14.42%
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)0%
PT rev (3m)N/A
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.68%
EPS NY rev (3m)7.02%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.23%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.17
Fwd PE 7.61
P/S 0.76
P/FCF N/A
P/OCF N/A
P/B 1.06
P/tB 1.14
EV/EBITDA 4.29
EPS(TTM)0.96
EY5.22%
EPS(NY)2.42
Fwd EY13.15%
FCF(TTM)-0.6
FCFYN/A
OCF(TTM)-0.6
OCFYN/A
SpS24.19
BVpS17.37
TBVpS16.19
PEG (NY)0.15
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 7.25%
ROCE 3.83%
ROIC 3.33%
ROICexc 3.54%
ROICexgc 4.96%
OM 16.65%
PM (TTM) 5.2%
GM N/A
FCFM N/A
ROA(3y)0.13%
ROA(5y)0.97%
ROE(3y)1.05%
ROE(5y)2.81%
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 3YN/A
ROICexcg growth 5Y-10.36%
ROICexc growth 3YN/A
ROICexc growth 5Y-11.48%
OM growth 3YN/A
OM growth 5Y-4.18%
PM growth 3Y45.15%
PM growth 5Y-20.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF N/A
Debt/EBITDA 1.38
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
WACC8.83%
ROIC/WACC0.38
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)-42.86%
EPS 3Y-21.17%
EPS 5Y-14.97%
EPS Q2Q%0%
EPS Next Y127.41%
EPS Next 2Y58.74%
EPS Next 3Y44.67%
EPS Next 5YN/A
Revenue 1Y (TTM)3.02%
Revenue growth 3Y8.91%
Revenue growth 5Y22.87%
Sales Q2Q%-8.58%
Revenue Next Year2.86%
Revenue Next 2Y5.48%
Revenue Next 3Y2.26%
Revenue Next 5YN/A
EBIT growth 1Y31.31%
EBIT growth 3YN/A
EBIT growth 5Y17.74%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-118.07%
FCF growth 3Y260.08%
FCF growth 5Y-11.94%
OCF growth 1Y-118.07%
OCF growth 3Y260.08%
OCF growth 5Y-11.94%