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CHCO vs FIHL

CHCO
City Holding Company
NEUTRAL
Price
$124.38
Market Cap
$1.78B
Sector
Financial Services
AI Confidence
85%
FIHL
Fidelis Insurance Holdings Limited
NEUTRAL
Price
$20.96
Market Cap
$1.81B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CHCO
13.93
FIHL
9.93
Forward P/E
CHCO
13.25
FIHL
5.3
P/B Ratio
CHCO
2.21
FIHL
0.84
P/S Ratio
CHCO
5.66
FIHL
0.72
EV/EBITDA
CHCO
--
FIHL
--

Profitability

Gross Margin
CHCO
0.0%
FIHL
16.82%
Operating Margin
CHCO
54.61%
FIHL
25.76%
Profit Margin
CHCO
41.35%
FIHL
9.02%
ROE
CHCO
16.94%
FIHL
9.3%
ROA
CHCO
1.98%
FIHL
1.67%

Growth

Revenue Growth
CHCO
10.8%
FIHL
-10.8%
Earnings Growth
CHCO
12.9%
FIHL
--

Financial Health

Debt/Equity
CHCO
--
FIHL
0.36
Current Ratio
CHCO
--
FIHL
1.22
Quick Ratio
CHCO
--
FIHL
0.69

Dividends

Dividend Yield
CHCO
2.73%
FIHL
2.86%
Payout Ratio
CHCO
36.28%
FIHL
23.7%

AI Verdict

CHCO NEUTRAL

CHCO presents a stable financial profile with a Piotroski F-Score of 4/9, indicating mediocre but stable health. While the stock trades at a premium to its Graham Number ($106.46), it remains significantly below its growth-based intrinsic value ($235.31). Strong profitability metrics, including an ROE of 16.94% and a consistent 25-quarter history of earnings beats, are currently offset by a severely bearish technical trend (0/100) and a recent Q/Q EPS contraction of 9.5%.

Strengths
Strong Return on Equity (ROE) of 16.94%
Exceptional earnings track record with consistent beats over 25 quarters
Reasonable valuation with a P/E of 13.93, well below sector average
Risks
Severely bearish technical trend (0/100) suggesting strong selling pressure
Mediocre Piotroski F-Score (4/9) indicating room for operational improvement
Recent negative Q/Q EPS growth of -9.5%
FIHL NEUTRAL

FIHL presents a stark contradiction between deep value and deteriorating fundamental health. While the stock trades at a discount to book value (P/B 0.84) and possesses a strong Graham Number of $34.33, the Piotroski F-Score of 2/9 indicates significant weakness in financial health. Severe revenue contraction (-59.61% Q/Q) offsets the positive YoY EPS growth, suggesting a volatile transition period. The valuation provides a safety floor, but the bearish technical trend and poor health score preclude a bullish rating.

Strengths
Trading below book value (P/B 0.84)
Low Forward P/E of 5.30 suggesting significant undervaluation relative to earnings
Conservative Debt/Equity ratio of 0.36
Risks
Critical Piotroski F-Score (2/9) signaling fundamental deterioration
Severe short-term revenue collapse (-59.61% Q/Q)
Strongly bearish technical trend (10/100)

Compare Another Pair

CHCO vs FIHL: Head-to-Head Comparison

This page compares City Holding Company (CHCO) and Fidelis Insurance Holdings Limited (FIHL) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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