SIRIUSPOINT LTD(NYSE:SPNT) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SPNT. SPNT was compared to 144 industry peers in the Insurance industry. There are concerns on the financial health of SPNT while its profitability can be described as average. SPNT is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SPNT was profitable.

SPNT had a positive operating cash flow in the past year.

SPNT had positive earnings in 4 of the past 5 years.

Each year in the past 5 years SPNT had a positive operating cash flow.

1.2 Ratios

SPNT has a Return On Assets (1.39%) which is comparable to the rest of the industry.

SPNT has a Return On Equity (8.98%) which is in line with its industry peers.

With a decent Return On Invested Capital value of 3.55%, SPNT is doing good in the industry, outperforming 68.53% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.39%
ROE	8.98%
ROIC	3.55%

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 6.25% is in line compared to the rest of the industry. SPNT outperforms 43.36% of its industry peers.

In the last couple of years the Profit Margin of SPNT has declined.

SPNT has a Operating Margin of 18.01%. This is in the better half of the industry: SPNT outperforms 73.43% of its industry peers.

SPNT's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	18.01%
PM (TTM)	6.25%
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.

The number of shares outstanding for SPNT has been reduced compared to 1 year ago.

Compared to 5 years ago, SPNT has more shares outstanding

The debt/assets ratio for SPNT has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of SPNT is 8.56, which is on the high side as it means it would take SPNT, 8.56 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 8.56, SPNT is not doing good in the industry: 69.93% of the companies in the same industry are doing better.

A Debt/Equity ratio of 0.33 indicates that SPNT is not too dependend on debt financing.

The Debt to Equity ratio of SPNT (0.33) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.33
Debt/FCF	8.56
Altman-Z	N/A

ROIC/WACC0.41

WACC8.7%

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

The earnings per share for SPNT have decreased strongly by -51.27% in the last year.

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 1.71% 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)-51.27%

EPS 3Y-21.17%

EPS 5Y-14.97%

EPS Q2Q%-126%

Revenue 1Y (TTM)1.71%

Revenue growth 3Y8.91%

Revenue growth 5Y22.87%

Sales Q2Q%-5.11%

3.2 Future

SPNT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 54.62% yearly.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y112.5%

EPS Next 2Y54.62%

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

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

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.89, which indicates a correct valuation of SPNT.

Compared to the rest of the industry, the Price/Earnings ratio of SPNT is on the same level as its industry peers.

SPNT is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

SPNT is valuated cheaply with a Price/Forward Earnings ratio of 7.00.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SPNT indicates a somewhat cheap valuation: SPNT is cheaper than 78.32% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, SPNT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.89
Fwd PE	7

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, SPNT is valued cheaper than 84.62% of the companies in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SPNT indicates a slightly more expensive valuation: SPNT is more expensive than 63.64% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	22.19
EV/EBITDA	3.15

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 54.62% in the coming years.

PEG (NY)0.13

PEG (5Y)N/A

EPS Next 2Y54.62%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for SPNT!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SIRIUSPOINT LTD

NYSE:SPNT (3/7/2025, 8:04:01 PM)

After market: 14.29 0 (0%)

14.29

-0.39 (-2.66%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-18 2025-02-18/amc

Earnings (Next)N/A N/A

Inst Owners89.4%

Inst Owner Change2.29%

Ins Owners1.32%

Ins Owner Change-0.42%

Market Cap1.66B

Analysts85.71

Price TargetN/A

Short Float %1.13%

Short Ratio2.38

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0.11

Dividend Growth(5Y)N/A

DP9.2%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-86.52%

Min EPS beat(2)-131.86%

Max EPS beat(2)-41.18%

EPS beat(4)2

Avg EPS beat(4)-24.02%

Min EPS beat(4)-131.86%

Max EPS beat(4)39.71%

EPS beat(8)6

Avg EPS beat(8)56.69%

EPS beat(12)6

Avg EPS beat(12)-13.58%

EPS beat(16)10

Avg EPS beat(16)12.09%

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)0%

EPS NY rev (3m)11.11%

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 Rank	Sector Rank
PE	14.89
Fwd PE	7
P/S	0.6
P/FCF	22.19
P/OCF	22.19
P/B	0.86
P/tB	0.92
EV/EBITDA	3.15

EPS(TTM)0.96

EY6.72%

EPS(NY)2.04

Fwd EY14.28%

FCF(TTM)0.64

FCFY4.51%

OCF(TTM)0.64

OCFY4.51%

SpS24

BVpS16.7

TBVpS15.49

PEG (NY)0.13

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.39%
ROE	8.98%
ROCE	4.09%
ROIC	3.55%
ROICexc	3.76%
ROICexgc	5.21%
OM	18.01%
PM (TTM)	6.25%
GM	N/A
FCFM	2.68%

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-Score5

Asset Turnover0.22

Health

		Industry Rank	Sector Rank
Debt/Equity	0.33
Debt/FCF	8.56
Debt/EBITDA	1.25
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	7.55
Cash Conversion	14.56%
Profit Quality	42.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC8.7%

ROIC/WACC0.41

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)-51.27%

EPS 3Y-21.17%

EPS 5Y-14.97%

EPS Q2Q%-126%

EPS Next Y112.5%

EPS Next 2Y54.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.71%

Revenue growth 3Y8.91%

Revenue growth 5Y22.87%

Sales Q2Q%-5.11%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y18.88%

EBIT growth 3YN/A

EBIT growth 5Y17.74%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-87.15%

FCF growth 3Y260.08%

FCF growth 5Y-11.94%

OCF growth 1Y-87.15%

OCF growth 3Y260.08%

OCF growth 5Y-11.94%

SIRIUSPOINT LTD (SPNT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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