(SFAB) Solid FAB - Ratings and Ratios
Insurance, Property, Casualty, Contracts, Premium
SFAB EPS (Earnings per Share)
SFAB Revenue
Description: SFAB Solid FAB
Solid Försäkring AB (SFAB) is a Swedish property and casualty insurance company listed on the stock exchange. The companys stock performance is characterized by a relatively stable price movement, with a current price of 75.40 SEK.
From a fundamental analysis perspective, SFABs market capitalization stands at 1.32 billion SEK, indicating a moderate size. The companys price-to-earnings ratio is 9.17, suggesting a relatively low valuation compared to its earnings. The return on equity is 29.59%, indicating a strong profitability. Key drivers of SFABs financial performance include its ability to manage risk, underwriting profitability, and investment income.
To further evaluate SFABs performance, key performance indicators (KPIs) such as loss ratio, expense ratio, and combined ratio can be considered. A low loss ratio and expense ratio would indicate efficient operations, while a combined ratio below 100% would suggest profitability. Additionally, the companys ability to generate investment income and its capital adequacy ratio are important factors to consider.
Economic drivers that may impact SFABs performance include interest rates, GDP growth, and regulatory changes in the insurance industry. A low-interest-rate environment can affect the companys investment income, while GDP growth can influence demand for insurance products. Regulatory changes can impact the companys capital requirements and profitability.
Overall, a thorough analysis of SFABs financials, management, and industry trends is necessary to make an informed investment decision. By examining the companys KPIs, economic drivers, and industry dynamics, investors can gain a deeper understanding of SFABs potential for long-term growth and profitability.
SFAB Stock Overview
| Market Cap in USD | 141m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception |
SFAB Stock Ratings
| Growth Rating | 44.1% |
| Fundamental | 40.0% |
| Dividend Rating | 79.1% |
| Return 12m vs S&P 500 | -24.2% |
| Analyst Rating | - |
SFAB Dividends
| Dividend Yield 12m | 6.59% |
| Yield on Cost 5y | 9.79% |
| Annual Growth 5y | 25.66% |
| Payout Consistency | 100.0% |
| Payout Ratio | 62.0% |
SFAB Growth Ratios
| Growth Correlation 3m | -73.8% |
| Growth Correlation 12m | -25.7% |
| Growth Correlation 5y | 85.5% |
| CAGR 5y | 25.42% |
| CAGR/Max DD 3y | 0.86 |
| CAGR/Mean DD 3y | 3.23 |
| Sharpe Ratio 12m | -0.14 |
| Alpha | 0.10 |
| Beta | 0.536 |
| Volatility | 28.65% |
| Current Volume | 14.9k |
| Average Volume 20d | 12.5k |
| Stop Loss | 71.9 (-3.1%) |
| Signal | 0.19 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (146.0m TTM) > 0 and > 6% of Revenue (6% = 71.6m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -4.95pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 25.11% (prev 43.03%; Δ -17.92pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 22.6m <= Net Income 146.0m (YES >=105%, WARN >=100%) |
| Net Debt (-177.9m) to EBITDA (100.5m) ratio: -1.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (18.0m) change vs 12m ago -2.21% (target <= -2.0% for YES) |
| Gross Margin 50.82% (prev 74.48%; Δ -23.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 70.68% (prev 68.01%; Δ 2.67pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -21.70 (EBITDA TTM 100.5m / Interest Expense TTM 753.0k) >= 6 (WARN >= 3) |
Altman Z'' 2.44
| (A) 0.19 = (Total Current Assets 443.1m - Total Current Liabilities 143.7m) / Total Assets 1.62b |
| (B) 0.27 = Retained Earnings (Balance) 430.9m / Total Assets 1.62b |
| (C) -0.01 = EBIT TTM -16.3m / Avg Total Assets 1.69b |
| (D) 0.40 = Book Value of Equity 461.0m / Total Liabilities 1.15b |
| Total Rating: 2.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.02
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 0.90% = 0.45 |
| 3. FCF Margin 1.90% = 0.47 |
| 4. Debt/Equity 2.99 = -0.76 |
| 5. Debt/Ebitda 13.73 = -2.50 |
| 6. ROIC - WACC (= -7.24)% = -9.05 |
| 7. RoE 29.59% = 2.47 |
| 8. Rev. Trend -4.39% = -0.33 |
| 9. EPS Trend -14.73% = -0.74 |
What is the price of SFAB shares?
Over the past week, the price has changed by +0.54%, over one month by +1.92%, over three months by -9.18% and over the past year by -9.98%.
Is Solid FAB a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SFAB is around 78.24 SEK . This means that SFAB is currently overvalued and has a potential downside of 5.44%.
Is SFAB a buy, sell or hold?
What are the forecasts/targets for the SFAB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 95 | 28% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 83.7 | 12.7% |
SFAB Fundamental Data Overview
Market Cap SEK = 1.32b (1.32b SEK * 1.0 SEK.SEK)
CCE Cash And Equivalents = 177.9m SEK (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.145
P/S = 1.1176
P/B = 2.8594
Beta = 0.675
Revenue TTM = 1.19b SEK
EBIT TTM = -16.3m SEK
EBITDA TTM = 100.5m SEK
Long Term Debt = 1.24b SEK (from nonCurrentLiabilitiesTotal, last fiscal year)
Short Term Debt = 143.7m SEK (from totalCurrentLiabilities, last fiscal year)
Debt = 1.38b SEK (Calculated: Short Term 143.7m + Long Term 1.24b)
Net Debt = -177.9m SEK (from netDebt column, last quarter)
Enterprise Value = 2.52b SEK (1.32b + Debt 1.38b - CCE 177.9m)
Interest Coverage Ratio = -21.70 (Ebit TTM -16.3m / Interest Expense TTM 753.0k)
FCF Yield = 0.90% (FCF TTM 22.6m / Enterprise Value 2.52b)
FCF Margin = 1.90% (FCF TTM 22.6m / Revenue TTM 1.19b)
Net Margin = 12.24% (Net Income TTM 146.0m / Revenue TTM 1.19b)
Gross Margin = 50.82% ((Revenue TTM 1.19b - Cost of Revenue TTM 586.5m) / Revenue TTM)
Tobins Q-Ratio = 5.47 (Enterprise Value 2.52b / Book Value Of Equity 461.0m)
Interest Expense / Debt = 0.05% (Interest Expense 753.0k / Debt 1.38b)
Taxrate = 22.00% (46.5m / 211.2m)
NOPAT = -16.3m (EBIT -16.3m, no tax applied on loss)
Current Ratio = 3.08 (Total Current Assets 443.1m / Total Current Liabilities 143.7m)
Debt / Equity = 2.99 (Debt 1.38b / last Quarter total Stockholder Equity 461.6m)
Debt / EBITDA = 13.73 (Net Debt -177.9m / EBITDA 100.5m)
Debt / FCF = 60.99 (Debt 1.38b / FCF TTM 22.6m)
Total Stockholder Equity = 493.6m (last 4 quarters mean)
RoA = 9.04% (Net Income 146.0m, Total Assets 1.62b )
RoE = 29.59% (Net Income TTM 146.0m / Total Stockholder Equity 493.6m)
RoCE = -0.94% (Ebit -16.3m / (Equity 493.6m + L.T.Debt 1.24b))
RoIC = -3.31% (NOPAT -16.3m / Invested Capital 493.6m)
WACC = 3.93% (E(1.32b)/V(2.70b) * Re(7.99%)) + (D(1.38b)/V(2.70b) * Rd(0.05%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -100.00 | Cagr: -0.98%
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 75.48% ; FCFE base≈58.2m ; Y1≈49.0m ; Y5≈36.7m
Fair Price DCF = 37.69 (DCF Value 674.1m / Shares Outstanding 17.9m; 5y FCF grow -19.24% → 3.0% )
EPS Correlation: -14.73 | EPS CAGR: 5.65% | SUE: N/A | # QB: 0
Revenue Correlation: -4.39 | Revenue CAGR: 0.65%