FIHL Stock Analysis: Fidelis Insurance Holdings | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 1.788m USD | 12M Return: 65.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.42M
Qual. Beats: 0
Rev. Trend: -60.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Fidelis Insurance Holdings Limited (NYSE: FIHL) is a Bermuda-headquartered specialty insurance and reinsurance group operating primarily in Bermuda, Ireland, and the United Kingdom. The company is structured into two segments: Insurance, which underwrites a diversified specialty book covering property, marine, aviation and aerospace, energy, cyber, political risk, violence and terror, and asset-backed finance and portfolio credit risks; and Reinsurance, which provides property, retrocession, and whole-account reinsurance solutions. Founded in 2014 and listed on the NYSE in June 2023, Fidelis operates within the broader Financials sector and is classified under the Property & Casualty Insurance sub-industry.
As a specialty (re)insurer, Fidelis targets niche and complex risk classes that are typically underserved by standard commercial insurers, a strategy that generally requires deep underwriting expertise and higher premium rates per policy in exchange for the specialized coverage offered. Bermuda remains one of the worlds leading hubs for insurance and reinsurance, owing to its longstanding regulatory framework, capital efficiency, and access to a deep global investor base that supports catastrophe and specialty risk underwriting.
- Specialty insurance rate softening pressures premium growth and margins
- Catastrophe losses from hurricanes and severe weather pressure combined ratio
- Investment income benefits from elevated interest rate environment on bond portfolio
- Prior year reserve releases and book value compounding drive capital returns
| Net Income: 376.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.68 > 1.0 |
| NWC/Revenue: 42.47% < 20% (prev 61.41%; Δ -18.93% < -1%) |
| CFO/TA -0.03 > 3% & CFO -408.3m > Net Income 376.0m |
| Net Debt (-2.85b) to EBITDA (429.0m): -6.65 < 3 |
| Current Ratio: 1.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (93.6m) vs 12m ago -16.04% < -2% |
| Gross Margin: 33.56% > 18% (prev 4.81%; Δ 28.75% > 0.5%) |
| Asset Turnover: 18.52% > 50% (prev 19.39%; Δ -0.87% > 0%) |
| Interest Coverage Ratio: 7.99 > 6 (EBIT TTM 429.0m / Interest Expense TTM 53.7m) |
| A: 0.08 (Total Current Assets 11.6b - Total Current Liabilities 10.5b) / Total Assets 13.7b |
| B: 0.06 (Retained Earnings 770.8m / Total Assets 13.7b) |
| C: 0.03 (EBIT TTM 429.0m / Avg Total Assets 13.2b) |
| D: 0.20 (Book Value of Equity 2.25b / Total Liabilities 11.5b) |
| Altman-Z'' = 1.11 = BB |
As of July 11, 2026, the stock is trading at USD 25.56 with a total of 315,655 shares traded. Over the past week, the price has changed by +7.53%, over one month by +13.77%, over three months by +26.47% and over the past year by +65.11%.
Current recommended Stop Loss: 24.70 (which is 3.4% or 1.3 ATR below the current price).
Fidelis Insurance Holdings has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold FIHL.
- StrongBuy: 1
- Buy: 2
- Hold: 5
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 22.4 | -12.4% |
P/E Trailing = 9.8152
P/E Forward = 5.9488
P/S = 0.7149
P/B = 0.9696
Revenue TTM = 2.45b USD
EBIT TTM = 429.0m USD
EBITDA TTM = 429.0m USD
Long Term Debt = 843.5m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 872.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.5m
Net Debt = -2.85b USD (calculated: Debt 872.0m - CCE 3.73b)
Enterprise Value = 1.79b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 7.99 (Ebit TTM 429.0m / Interest Expense TTM 53.7m)
EV/FCF = -4.37x (Enterprise Value 1.79b / FCF TTM -409.5m)
FCF Yield = -22.91% (FCF TTM -409.5m / Enterprise Value 1.79b)
FCF Margin = -16.69% (FCF TTM -409.5m / Revenue TTM 2.45b)
Net Margin = 15.33% (Net Income TTM 376.0m / Revenue TTM 2.45b)
Gross Margin = 33.56% ((Revenue TTM 2.45b - Cost of Revenue TTM 1.63b) / Revenue TTM)
Gross Margin QoQ = 24.14% (prev 69.51%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.79b / Total Assets 13.7b)
Interest Expense / Debt = 6.16% (Interest Expense 53.7m / Debt 872.0m)
Taxrate = 12.35% (53.0m / 429.0m)
NOPAT = 376.0m (EBIT 429.0m * (1 - 12.35%))
Current Ratio = 1.10 (Total Current Assets 11.6b / Total Current Liabilities 10.5b)
Debt / Equity = 0.39 (Debt 872.0m / totalStockholderEquity, last quarter 2.25b)
Debt / EBITDA = -6.65 (Net Debt -2.85b / EBITDA 429.0m)
Debt / FCF = 6.97 (negative FCF - burning cash) (Net Debt -2.85b / FCF TTM -409.5m)
Total Stockholder Equity = 2.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.84% (Net Income 376.0m / Total Assets 13.7b)
RoE = 16.01% (Net Income TTM 376.0m / Total Stockholder Equity 2.35b)
RoCE = 13.44% (EBIT 429.0m / Capital Employed (Equity 2.35b + L.T.Debt 843.5m))
RoIC = 12.27% (NOPAT 376.0m / Invested Capital 3.06b)
WACC = 7.03% (E(1.79b)/V(2.66b) * Re(7.82%) + D(872.0m)/V(2.66b) * Rd(6.16%) * (1-Tc(0.12)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -9.85%
[DCF] Fair Price = unknown (Cash Flow -409.5m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.05 | # QB: 0
Revenue Correlation: -60.24 | Revenue CAGR: -19.22% | SUE: 0.14 | # QB: 0
EPS current Quarter (2026-03-31): EPS=0.73 | Chg30d=-10.31% | Revisions=+0% | Analysts=9
EPS next Quarter (2026-06-30): EPS=0.85 | Chg30d=-4.13% | Revisions=+10% | Analysts=7
EPS current Year (2026-12-31): EPS=3.30 | Chg30d=-2.95% | Revisions=-58% | GrowthEPS=+72.1% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=3.95 | Chg30d=-0.45% | Revisions=-18% | GrowthEPS=+19.6% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: -23% (up=12, down=20)