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FIHL vs SRCE

FIHL
Fidelis Insurance Holdings Limited
NEUTRAL
Price
$20.96
Market Cap
$1.81B
Sector
Financial Services
AI Confidence
85%
SRCE
1st Source Corporation
BULLISH
Price
$73.90
Market Cap
$1.78B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FIHL
9.93
SRCE
11.33
Forward P/E
FIHL
5.3
SRCE
10.8
P/B Ratio
FIHL
0.84
SRCE
1.41
P/S Ratio
FIHL
0.72
SRCE
4.22
EV/EBITDA
FIHL
--
SRCE
--

Profitability

Gross Margin
FIHL
16.82%
SRCE
0.0%
Operating Margin
FIHL
25.76%
SRCE
49.97%
Profit Margin
FIHL
9.02%
SRCE
37.58%
ROE
FIHL
9.3%
SRCE
12.66%
ROA
FIHL
1.67%
SRCE
1.76%

Growth

Revenue Growth
FIHL
-10.8%
SRCE
16.8%
Earnings Growth
FIHL
--
SRCE
31.5%

Financial Health

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

Dividends

Dividend Yield
FIHL
2.86%
SRCE
2.18%
Payout Ratio
FIHL
23.7%
SRCE
23.71%

AI Verdict

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)
SRCE BULLISH

SRCE exhibits strong fundamental value, trading significantly below both its Graham Number ($87.61) and estimated Intrinsic Value ($192.34). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company's earnings trajectory is exceptional, with 4/4 recent beats and 31.5% YoY earnings growth. Despite bearish technical trends and minor insider selling, the low P/E ratio (11.33) relative to the sector and a sustainable dividend payout ratio make it a compelling value play.

Strengths
Consistent earnings outperformance with 4/4 beats in the last year
Strong growth profile with 31.5% YoY earnings growth
Significant undervaluation relative to Graham Number and Intrinsic Value
Risks
Severely bearish technical trend (10/100) suggesting short-term momentum headwinds
Bearish insider sentiment with recent officer sales
Piotroski F-Score of 4/9 suggests room for improvement in operational efficiency

Compare Another Pair

FIHL vs SRCE: Head-to-Head Comparison

This page compares Fidelis Insurance Holdings Limited (FIHL) and 1st Source Corporation (SRCE) 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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