SIRIUSPOINT LTD (SPNT) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:SPNT - BMG8192H1060 - Common Stock

19.9 USD

-0.06 (-0.3%)

Last: 1/23/2026, 9:42:34 AM

Fundamental Rating

Taking everything into account, SPNT scores 4 out of 10 in our fundamental rating. SPNT was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of SPNT have multiple concerns. SPNT has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SPNT had positive earnings in the past year.
SPNT had a positive operating cash flow in the past year.
Of the past 5 years SPNT 4 years were profitable.
Each year in the past 5 years SPNT had a positive operating cash flow.

1.2 Ratios

The Return On Assets of SPNT (1.49%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.39%, SPNT is in line with its industry, outperforming 40.94% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.65%, SPNT is in line with its industry, outperforming 55.03% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.49%
ROE	8.39%
ROIC	2.65%

ROA(3y)0.13%

ROA(5y)0.97%

ROE(3y)1.05%

ROE(5y)2.81%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SPNT's Profit Margin of 6.49% is on the low side compared to the rest of the industry. SPNT is outperformed by 60.40% of its industry peers.
In the last couple of years the Profit Margin of SPNT has declined.
With a Operating Margin value of 13.29%, SPNT perfoms like the industry average, outperforming 55.70% of the companies in the same industry.
SPNT's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	13.29%
PM (TTM)	6.49%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SPNT is destroying value.
SPNT has less shares outstanding than it did 1 year ago.
SPNT has more shares outstanding than it did 5 years ago.
SPNT has a better debt/assets ratio than last year.

2.2 Solvency

SPNT has a debt to FCF ratio of 3.21. This is a good value and a sign of high solvency as SPNT would need 3.21 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.21, SPNT is in line with its industry, outperforming 46.98% of the companies in the same industry.
SPNT has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.31, SPNT perfoms like the industry average, outperforming 51.68% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	3.21
Altman-Z	N/A

ROIC/WACC0.3

WACC8.71%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SPNT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
The earnings per share for SPNT have been decreasing by -14.97% on average. This is quite bad
Looking at the last year, SPNT shows a small growth in Revenue. The Revenue has grown by 2.43% in the last year.
The Revenue has been growing by 22.87% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)0%

EPS 3Y-21.17%

EPS 5Y-14.97%

EPS Q2Q%2333.33%

Revenue 1Y (TTM)2.43%

Revenue growth 3Y8.91%

Revenue growth 5Y22.87%

Sales Q2Q%15.21%

3.2 Future

SPNT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 43.31% yearly.
The Revenue is expected to grow by 3.39% on average over the next years.

EPS Next Y155%

EPS Next 2Y61.01%

EPS Next 3Y43.31%

EPS Next 5YN/A

Revenue Next Year-2.63%

Revenue Next 2Y2.01%

Revenue Next 3Y3.39%

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.52, which indicates a correct valuation of SPNT.
SPNT's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.30. SPNT is valued rather cheaply when compared to this.
SPNT is valuated cheaply with a Price/Forward Earnings ratio of 8.00.
Based on the Price/Forward Earnings ratio, SPNT is valued a bit cheaper than 69.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SPNT to the average of the S&P500 Index (24.32), we can say SPNT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.52
Fwd PE	8

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, SPNT is valued a bit cheaper than the industry average as 69.80% of the companies are valued more expensively.
SPNT's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	10.92
EV/EBITDA	6.21

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.
A more expensive valuation may be justified as SPNT's earnings are expected to grow with 43.31% in the coming years.