(FIHL) Fidelis Insurance Holdings - Ratings and Ratios
Property, Casualty, Specialty
FIHL EPS (Earnings per Share)
FIHL Revenue
Description: FIHL Fidelis Insurance Holdings
Fidelis Insurance Holdings Limited (NYSE:FIHL) is a Property & Casualty Insurance company based in Bermuda. The companys stock is listed on the New York Stock Exchange under the ticker symbol FIHL.
To evaluate the investment potential of FIHL, we need to examine key performance indicators (KPIs) such as revenue growth, net income margin, and return on equity (RoE). The current RoE is negative, indicating that the company is not generating profits for its shareholders. However, the forward Price-to-Earnings (P/E) ratio is 19.96, suggesting that investors expect the company to return to profitability in the future.
The Property & Casualty Insurance industry is influenced by various economic drivers, including interest rates, GDP growth, and insurance market cycles. A rising interest rate environment can increase investment income for insurance companies, while a growing economy can lead to increased demand for insurance products. Conversely, economic downturns can result in higher claims frequencies and severities, negatively impacting insurers profitability.
To further assess FIHLs prospects, we should analyze its underwriting performance, including metrics such as the combined ratio, loss ratio, and expense ratio. A combined ratio below 100% indicates profitable underwriting, while a ratio above 100% suggests underwriting losses. Additionally, we should examine the companys capital management strategies, including dividend payments, share repurchases, and debt issuance.
By deconstructing FIHLs financials and industry dynamics, we can identify key drivers of the companys stock performance and make informed investment decisions. A thorough analysis of the companys strengths, weaknesses, opportunities, and threats (SWOT analysis) is necessary to determine its potential for long-term success.
FIHL Stock Overview
| Market Cap in USD | 1,806m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2023-06-29 |
FIHL Stock Ratings
| Growth Rating | 24.2% |
| Fundamental | 45.1% |
| Dividend Rating | 29.7% |
| Return 12m vs S&P 500 | -16.4% |
| Analyst Rating | 3.33 of 5 |
FIHL Dividends
| Dividend Yield 12m | 2.67% |
| Yield on Cost 5y | 3.64% |
| Annual Growth 5y | -6.46% |
| Payout Consistency | 100.0% |
| Payout Ratio | 40.8% |
FIHL Growth Ratios
| Growth Correlation 3m | 68.8% |
| Growth Correlation 12m | -41.2% |
| Growth Correlation 5y | 49.5% |
| CAGR 5y | 15.91% |
| CAGR/Max DD 3y | 0.53 |
| CAGR/Mean DD 3y | 1.18 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | 0.08 |
| Beta | 0.348 |
| Volatility | 29.84% |
| Current Volume | 609.4k |
| Average Volume 20d | 583k |
| Stop Loss | 16.5 (-3.5%) |
| Signal | -0.97 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (-44.4m TTM) > 0 and > 6% of Revenue (6% = 155.9m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 1.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 23.58% (prev 45.37%; Δ -21.79pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -347.3m <= Net Income -44.4m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 1.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (109.1m) change vs 12m ago -7.22% (target <= -2.0% for YES) |
| Gross Margin 56.38% (prev 28.02%; Δ 28.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 20.85% (prev 17.99%; Δ 2.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.44 (EBITDA TTM -29.1m / Interest Expense TTM 34.6m) >= 6 (WARN >= 3) |
Altman Z'' 0.46
| (A) 0.05 = (Total Current Assets 4.42b - Total Current Liabilities 3.81b) / Total Assets 12.99b |
| (B) 0.04 = Retained Earnings (Balance) 458.5m / Total Assets 12.99b |
| (C) -0.00 = EBIT TTM -15.1m / Avg Total Assets 12.46b |
| (D) 0.05 = Book Value of Equity 492.4m / Total Liabilities 10.67b |
| Total Rating: 0.46 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 45.08
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -53.14% = -5.0 |
| 3. FCF Margin 23.61% = 5.90 |
| 4. Debt/Equity 0.36 = 2.43 |
| 5. Debt/Ebitda -29.05 = -2.50 |
| 6. ROIC - WACC (= -5.77)% = -7.21 |
| 7. RoE -1.81% = -0.30 |
| 8. Rev. Trend 88.12% = 6.61 |
| 9. EPS Trend -67.16% = -3.36 |
What is the price of FIHL shares?
Over the past week, the price has changed by +1.10%, over one month by +1.40%, over three months by +7.26% and over the past year by -0.85%.
Is Fidelis Insurance Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FIHL is around 16.61 USD . This means that FIHL is currently overvalued and has a potential downside of -2.87%.
Is FIHL a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 5
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the FIHL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.8 | 15.7% |
| Analysts Target Price | 19.8 | 15.7% |
| ValueRay Target Price | 18 | 5.2% |
Last update: 2025-09-11 04:38
FIHL Fundamental Data Overview
CCE Cash And Equivalents = 3.81b USD (Cash And Short Term Investments, last quarter)
P/E Forward = 5.0865
P/S = 0.6925
P/B = 0.7772
Beta = 0.258
Revenue TTM = 2.60b USD
EBIT TTM = -15.1m USD
EBITDA TTM = -29.1m USD
Long Term Debt = 842.6m USD (from longTermDebt, last quarter)
Short Term Debt = 2.90m USD (from shortTermDebt, last fiscal year)
Debt = 845.5m USD (Calculated: Short Term 2.90m + Long Term 842.6m)
Net Debt = -76.8m USD (from netDebt column, last quarter)
Enterprise Value = -1.15b USD (1.81b + Debt 845.5m - CCE 3.81b)
Interest Coverage Ratio = -0.44 (Ebit TTM -15.1m / Interest Expense TTM 34.6m)
FCF Yield = -53.14% (FCF TTM 613.6m / Enterprise Value -1.15b)
FCF Margin = 23.61% (FCF TTM 613.6m / Revenue TTM 2.60b)
Net Margin = -1.71% (Net Income TTM -44.4m / Revenue TTM 2.60b)
Gross Margin = 56.38% ((Revenue TTM 2.60b - Cost of Revenue TTM 1.13b) / Revenue TTM)
Tobins Q-Ratio = -2.34 (set to none) (Enterprise Value -1.15b / Book Value Of Equity 492.4m)
Interest Expense / Debt = 1.10% (Interest Expense 9.30m / Debt 845.5m)
Taxrate = 16.94% (23.1m / 136.4m)
NOPAT = -15.1m (EBIT -15.1m, no tax applied on loss)
Current Ratio = 1.16 (Total Current Assets 4.42b / Total Current Liabilities 3.81b)
Debt / Equity = 0.36 (Debt 845.5m / last Quarter total Stockholder Equity 2.32b)
Debt / EBITDA = -29.05 (Net Debt -76.8m / EBITDA -29.1m)
Debt / FCF = 1.38 (Debt 845.5m / FCF TTM 613.6m)
Total Stockholder Equity = 2.45b (last 4 quarters mean)
RoA = -0.34% (Net Income -44.4m, Total Assets 12.99b )
RoE = -1.81% (Net Income TTM -44.4m / Total Stockholder Equity 2.45b)
RoCE = -0.46% (Ebit -15.1m / (Equity 2.45b + L.T.Debt 842.6m))
RoIC = -0.50% (NOPAT -15.1m / Invested Capital 3.00b)
WACC = 5.26% (E(1.81b)/V(2.65b) * Re(7.30%)) + (D(845.5m)/V(2.65b) * Rd(1.10%) * (1-Tc(0.17)))
Shares Correlation 3-Years: -57.58 | Cagr: -5.31%
Discount Rate = 7.30% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈513.7m ; Y1≈633.7m ; Y5≈1.08b
Fair Price DCF = 175.4 (DCF Value 18.39b / Shares Outstanding 104.9m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -67.16 | EPS CAGR: -58.54% | SUE: 2.23 | # QB: 1
Revenue Correlation: 88.12 | Revenue CAGR: 11.09% | SUE: N/A | # QB: None
Additional Sources for FIHL Stock
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Fund Manager Positions: Dataroma | Stockcircle