We assign a fundamental rating of 4 out of 10 to SPNT. SPNT was compared to 148 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.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year SPNT was profitable.
In the past year SPNT had a positive cash flow from operations.
SPNT had positive earnings in 4 of the past 5 years.
In the past 5 years SPNT always reported a positive cash flow from operatings.

1.2 Ratios

SPNT has a Return On Assets (1.49%) which is comparable to the rest of the industry.
SPNT has a Return On Equity (8.39%) which is comparable to the rest of the industry.
SPNT has a Return On Invested Capital (2.65%) which is comparable to the rest of the 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

Looking at the Profit Margin, with a value of 6.49%, SPNT is doing worse than 60.14% of the companies in the same industry.
In the last couple of years the Profit Margin of SPNT has declined.
Looking at the Operating Margin, with a value of 13.29%, SPNT is in line with its industry, outperforming 56.08% of the companies in the same industry.
In the last couple of years the Operating Margin of SPNT has declined.

		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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
Compared to 1 year ago, SPNT has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of SPNT is 3.21, which is a good value as it means it would take SPNT, 3.21 years of fcf income to pay off 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 46.62% of the companies in the same industry.
A Debt/Equity ratio of 0.31 indicates that SPNT is not too dependend on debt financing.
SPNT has a Debt to Equity ratio (0.31) which is comparable to the rest of the 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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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
The Revenue has been growing slightly by 2.43% in the past 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.
Based on estimates for the next years, SPNT will show a small growth in Revenue. The Revenue will grow by 3.67% on average per year.

EPS Next Y155%

EPS Next 2Y61.01%

EPS Next 3Y43.31%

EPS Next 5YN/A

Revenue Next Year-2.66%

Revenue Next 2Y2.38%

Revenue Next 3Y3.67%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.84, which indicates a correct valuation of SPNT.
SPNT's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of SPNT to the average of the S&P500 Index (28.32), we can say SPNT is valued rather cheaply.
A Price/Forward Earnings ratio of 8.20 indicates a reasonable valuation of SPNT.
Based on the Price/Forward Earnings ratio, SPNT is valued a bit cheaper than the industry average as 67.57% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 25.57. SPNT is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.84
Fwd PE	8.2

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, SPNT is valued a bit cheaper than 68.24% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SPNT is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	11.2
EV/EBITDA	6.35

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.
SPNT's earnings are expected to grow with 43.31% in the coming years. This may justify a more expensive valuation.