Fidelis Insurance Holdings Limited (FIHL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Fidelis Insurance Holdings Limited stock (FIHL) is currently trading at $19.02. Fidelis Insurance Holdings Limited PE ratio is 8.93. Fidelis Insurance Holdings Limited PS ratio (Price-to-Sales) is 0.65. Analyst consensus price target for FIHL is $22.00. WallStSmart rates FIHL as Hold.
- FIHL PE ratio analysis and historical PE chart
- FIHL PS ratio (Price-to-Sales) history and trend
- FIHL intrinsic value — DCF, Graham Number, EPV models
- FIHL stock price prediction 2025 2026 2027 2028 2029 2030
- FIHL fair value vs current price
- FIHL insider transactions and insider buying
- Is FIHL undervalued or overvalued?
- Fidelis Insurance Holdings Limited financial analysis — revenue, earnings, cash flow
- FIHL Piotroski F-Score and Altman Z-Score
- FIHL analyst price target and Smart Rating
Fidelis Insurance Holdings
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FIHL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Fidelis Insurance Holdings Limited (FIHL)
FIHL trades at a significant discount to its Graham intrinsic value of $98.75, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Fidelis Insurance Holdings Limited (FIHL) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around return on equity and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Fidelis Insurance Holdings Limited (FIHL) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 41.10% year-over-year
90.69% of shares held by major funds and institutions
Strong operational efficiency: $26 kept per $100 revenue
Supporting Valuation Data
Fidelis Insurance Holdings Limited (FIHL) Areas to Watch (4)
Revenue declining -10.80%, a shrinking business
Low profitability relative to shareholder equity
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Fidelis Insurance Holdings Limited (FIHL) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, EPS Growth. Valuation metrics including Price/Sales (0.65), Price/Book (0.68) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 25.80%. Growth metrics are encouraging with EPS Growth at 41.10%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Profit Margin. Growth concerns include Revenue Growth at -10.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.30%, Profit Margin at 9.02%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -10.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Revenue Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FIHL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FIHL's Price-to-Sales ratio of 0.65x sits near its historical average of 0.7x (34th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 35% below its historical high of 1x set in Sep 2023, and 81% above its historical low of 0.36x in Jan 2024.
Compare FIHL with Competitors
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Data-driven financial summary for Fidelis Insurance Holdings Limited (FIHL) · FINANCIAL SERVICES › INSURANCE - DIVERSIFIED
The Big Picture
Fidelis Insurance Holdings Limited operates as a stable business with moderate growth and solid fundamentals. Revenue reached 2.5B with 11% decline year-over-year. Profit margins are thin at 9.0%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 930.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 229M in free cash flow and 229M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 11% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Fidelis Insurance Holdings Limited push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 268.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Fidelis Insurance Holdings Limited.
Bottom Line
Fidelis Insurance Holdings Limited offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Fidelis Insurance Holdings Limited(FIHL)
NYSE
FINANCIAL SERVICES
INSURANCE - DIVERSIFIED
USA
Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.