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GBLI

BEARISH
$28.0 Live
Global Indemnity Group, LLC · NASDAQ
Target $49.0 (+75.0%)
$25.88 52W Range $34.0

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$401.82M
P/E
16.0
ROE
3.6%
Profit margin
5.6%
Debt/Equity
0.01
Dividend yield
5.0%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
GBLI exhibits significant financial deterioration, highlighted by a weak Piotroski F-Score of 3/9 and a severe earnings crash of -30.90% YoY. While the stock appears undervalued on a book-value basis (P/B 0.57) and relative to its Graham Number ($43.91), these metrics are offset by a low intrinsic value of $12.25 and a completely bearish technical trend (0/100). The high dividend payout ratio (80%) combined with declining earnings suggests the current 5% yield is unsustainable. Overall, the deterministic health scores signal a company in a state of fundamental decline despite the low valuation multiples.

Key Strengths

Very low Debt/Equity ratio (0.01)
Trading significantly below book value (P/B 0.57)
Positive revenue growth (7.90% YoY)
Attractive Graham Number ($43.91) relative to current price
Low Forward P/E (8.48) suggesting potential valuation compression

Key Risks

Weak Piotroski F-Score (3/9) indicating poor financial health
Severe earnings contraction (-30.90% YoY)
Poor earnings track record with an average surprise of -57.32% over the last 4 quarters
Low liquidity ratios (Current Ratio 0.56, Quick Ratio 0.33)
Unsustainable dividend payout ratio (80%) amid falling profits
AI Fair Value Estimate
Based on comprehensive analysis
$18.5
-33.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
41
Moderate
Value
75
Future
30
Past
25
Health
30
Dividend
45
AI Verdict
Avoid/Underperform
Key drivers: Piotroski F-Score weakness, Earnings collapse, Bearish technicals, Dividend sustainability risk
Confidence
90%
Value
75/100

Strong asset-based value but poor earnings-based value.

Positives
  • P/B 0.57
  • Price below Graham Number
Watchpoints
  • Price significantly above growth-based intrinsic value ($12.25)
Future
30/100

Revenue growth is not translating to bottom-line profitability.

Positives
  • Modest revenue growth
Watchpoints
  • Negative earnings growth
  • Poor earnings surprise history
Past
25/100

Historical earnings volatility and recent downward trend.

Positives
  • Long term 5Y price change positive
Watchpoints
  • Consistent earnings misses
  • Recent 1Y price decline
Health
30/100

Low debt is the only saving grace in a deteriorating health profile.

Positives
  • Negligible debt
Watchpoints
  • Piotroski F-Score 3/9
  • Low current/quick ratios
Dividend
45/100

Yield is attractive but payout is dangerously high relative to earnings growth.

Positives
  • 5% yield
Watchpoints
  • 80% payout ratio
  • Declining earnings

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$28.0
Analyst Target
$49.0
Upside/Downside
+75.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for GBLI and closest competitors.

Updated 2026-04-09
GBL
Global Indemnity Group, LLC
Primary
5Y
+20.4%
3Y
+13.2%
1Y
-4.0%
6M
-2.2%
1M
-3.1%
1W
+1.6%
BWF
Bankwell Financial Group, Inc.
Peer
5Y
+112.0%
3Y
+132.2%
1Y
+83.3%
6M
+18.3%
1M
+9.1%
1W
+4.5%
GCB
Greene County Bancorp, Inc.
Peer
5Y
+98.4%
3Y
+10.1%
1Y
+8.4%
6M
+4.8%
1M
+4.7%
1W
+1.7%
BSV
Bank7 Corp.
Peer
5Y
+177.2%
3Y
+89.9%
1Y
+18.6%
6M
-7.5%
1M
+4.5%
1W
+4.4%
GLA
Gladstone Capital Corporation
Peer
5Y
+25.5%
3Y
+25.6%
1Y
-23.1%
6M
-7.3%
1M
-2.7%
1W
-2.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
16.0
Forward P/E
8.48
PEG Ratio
N/A
P/B Ratio
0.57
P/S Ratio
0.89
EV/Revenue
0.77
EV/EBITDA
10.21
Market Cap
$401.82M

Profitability

Profit margins and return metrics

Profit Margin 5.63%
Operating Margin 8.04%
Gross Margin 14.48%
ROE 3.63%
ROA 1.21%

Growth

Revenue and earnings growth rates

Revenue Growth +7.9%
Earnings Growth -30.9%
Q/Q Revenue Growth +7.64%
Q/Q Earnings Growth -28.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.01
Low debt
Current Ratio
0.56
Weak
Quick Ratio
0.33
Poor
Cash/Share
$4.57

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
5.5%
Total Assets
$1.7B
Liabilities
$1.0B
Equity
$0.7B
Debt/Equity
1.44x
Operating CF
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2025-10-30
$0.86
+13.2% surprise
2025-08-06
$0.71
-4.0% surprise
2025-05-07
$-0.3
-181.1% surprise

Financial Services Sector Comparison

Comparing GBLI against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
P/E Ratio
16.0
This Stock
vs
55.13
Sector Avg
-71.0% (Discount)
Return on Equity (ROE)
3.63%
This Stock
vs
-0.93%
Sector Avg
-491.3% (Below Avg)
Profit Margin
5.63%
This Stock
vs
69.73%
Sector Avg
-91.9% (Weaker)
Debt to Equity
0.01
This Stock
vs
1.41
Sector Avg
-99.2% (Less Debt)
Revenue Growth
7.9%
This Stock
vs
32.66%
Sector Avg
-75.8% (Slower)
Current Ratio
0.56
This Stock
vs
3.27
Sector Avg
-83.0% (Weaker)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning GBLI from our newsroom.

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