SIRIUSPOINT LTD (SPNT) Stock Fundamental Analysis
USA - NYSE:SPNT - BMG8192H1060 - Common Stock
18.01 USD
-0.53 (-2.86%)
18.37 USD
+0.36 (+2%)
SPNT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 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.
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.
In the past 5 years SPNT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of SPNT (0.84%) is worse than 60.96% of its industry peers.
SPNT has a worse Return On Equity (4.90%) than 74.66% of its industry peers.
With a Return On Invested Capital value of 2.77%, SPNT perfoms like the industry average, outperforming 57.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 4.9% | ||
| ROIC | 2.77% |
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 3.71% is on the low side compared to the rest of the industry. SPNT is outperformed by 67.12% of its industry peers.
SPNT's Profit Margin has declined in the last couple of years.
SPNT's Operating Margin of 14.14% is fine compared to the rest of the industry. SPNT outperforms 65.07% of its industry peers.
In the last couple of years the Operating Margin of SPNT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.14% | ||
| PM (TTM) | 3.71% | ||
| 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
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 4.88, which is a neutral value as it means it would take SPNT, 4.88 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.88, SPNT perfoms like the industry average, outperforming 40.41% of the companies in the same industry.
SPNT has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
SPNT has a Debt to Equity ratio (0.32) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACC0.32
WACC8.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SPNT have decreased strongly by -52.66% in the last year.
The earnings per share for SPNT have been decreasing by -14.97% on average. This is quite bad
SPNT shows a decrease in Revenue. In the last year, the revenue decreased by -1.01%.
SPNT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.87% yearly.
EPS 1Y (TTM)-52.66%
EPS 3Y-21.17%
EPS 5Y-14.97%
EPS Q2Q%-12.28%
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y8.91%
Revenue growth 5Y22.87%
Sales Q2Q%-12.28%
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 42.09% on average per year.
Based on estimates for the next years, SPNT will show a small growth in Revenue. The Revenue will grow by 3.19% on average per year.
EPS Next Y124.67%
EPS Next 2Y58.27%
EPS Next 3Y42.09%
EPS Next 5YN/A
Revenue Next Year-3.68%
Revenue Next 2Y1.26%
Revenue Next 3Y3.19%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 20.24, SPNT is valued on the expensive side.
SPNT's Price/Earnings ratio is a bit more expensive when compared to the industry. SPNT is more expensive than 69.18% of the companies in the same industry.
SPNT is valuated rather cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.49, the valuation of SPNT can be described as very cheap.
Based on the Price/Forward Earnings ratio, SPNT is valued a bit cheaper than the industry average as 72.60% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.71. SPNT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.24 | ||
| Fwd PE | 7.49 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SPNT is valued a bit cheaper than 79.45% of the companies in the same industry.
SPNT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.13 | ||
| EV/EBITDA | 5.05 |
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.
SPNT's earnings are expected to grow with 42.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y58.27%
EPS Next 3Y42.09%
5. Dividend
5.1 Amount
SPNT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
18.01
-0.53 (-2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.93%
Inst Owner Change-1.51%
Ins Owners2.12%
Ins Owner Change1.21%
Market Cap2.10B
Analysts84
Price Target25.5 (41.59%)
Short Float %1.69%
Short Ratio2.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.11
Dividend Growth(5Y)N/A
DP15.5%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)47.55%
Min EPS beat(2)-13.77%
Max EPS beat(2)108.87%
EPS beat(4)1
Avg EPS beat(4)-19.49%
Min EPS beat(4)-131.86%
Max EPS beat(4)108.87%
EPS beat(8)5
Avg EPS beat(8)16.37%
EPS beat(12)7
Avg EPS beat(12)26.15%
EPS beat(16)9
Avg EPS beat(16)12.25%
Revenue beat(2)0
Avg Revenue beat(2)-10.27%
Min Revenue beat(2)-11.21%
Max Revenue beat(2)-9.34%
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)-1.32%
PT rev (3m)25%
EPS NQ rev (1m)6.39%
EPS NQ rev (3m)-16.41%
EPS NY rev (1m)-1.21%
EPS NY rev (3m)-2.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.58%
Revenue NY rev (1m)-5.08%
Revenue NY rev (3m)-0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.24 | ||
| Fwd PE | 7.49 | ||
| P/S | 0.76 | ||
| P/FCF | 15.13 | ||
| P/OCF | 15.13 | ||
| P/B | 1 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | 5.05 |
EPS(TTM)0.89
EY4.94%
EPS(NY)2.4
Fwd EY13.35%
FCF(TTM)1.19
FCFY6.61%
OCF(TTM)1.19
OCFY6.61%
SpS23.85
BVpS18.03
TBVpS16.88
PEG (NY)0.16
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 4.9% | ||
| ROCE | 3.19% | ||
| ROIC | 2.77% | ||
| ROICexc | 2.95% | ||
| ROICexgc | 4.08% | ||
| OM | 14.14% | ||
| PM (TTM) | 3.71% | ||
| GM | N/A | ||
| FCFM | 4.99% |
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 Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 4.88 | ||
| Debt/EBITDA | 1.67 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 34.29% | ||
| Profit Quality | 134.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.54%
ROIC/WACC0.32
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)-52.66%
EPS 3Y-21.17%
EPS 5Y-14.97%
EPS Q2Q%-12.28%
EPS Next Y124.67%
EPS Next 2Y58.27%
EPS Next 3Y42.09%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.01%
Revenue growth 3Y8.91%
Revenue growth 5Y22.87%
Sales Q2Q%-12.28%
Revenue Next Year-3.68%
Revenue Next 2Y1.26%
Revenue Next 3Y3.19%
Revenue Next 5YN/A
EBIT growth 1Y-10.62%
EBIT growth 3YN/A
EBIT growth 5Y17.74%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-69.41%
FCF growth 3Y260.08%
FCF growth 5Y-11.94%
OCF growth 1Y-69.41%
OCF growth 3Y260.08%
OCF growth 5Y-11.94%