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FIHL

NEUTRAL
$20.96 Live
Fidelis Insurance Holdings Limited · NYSE
Target $22.39 (+6.8%)
$14.8 52W Range $21.4
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$1.81B
P/E
9.93
ROE
9.3%
Profit margin
9.0%
Debt/Equity
0.36
Dividend yield
2.86%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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
Sustainable dividend payout ratio of 23.70%
Strong historical EPS surprise record (3/4 beats in last year)

Key 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)
Negative YoY revenue growth (-10.80%)
High volatility in quarterly earnings results
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+7.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
48
Moderate
Value
80
Future
25
Past
55
Health
20
Dividend
60
AI Verdict
Value Trap Risk
Key drivers: Deep value metrics (P/B, P/E), Poor fundamental health (Piotroski), Collapsing revenue growth
Confidence
80%
Value
80/100

Ref P/E 9.93, P/B 0.84, Graham Number $34.33

Positives
  • P/B < 1.0
  • P/E significantly below sector average
  • Graham Number ($34.33) well above current price
Watchpoints
  • Intrinsic value based on growth is lower ($14.77)
Future
25/100

Ref Revenue Growth -10.80% YoY, -59.61% Q/Q

Positives
  • Strong YoY EPS growth (+203.8%)
Watchpoints
  • Negative YoY revenue growth
  • Extreme Q/Q revenue decline
Past
55/100

Ref 1Y Change +29.1%, Earnings Surprise 48.18%

Positives
  • Consistent earnings beats
  • Positive 1Y and 6M price performance
Watchpoints
  • Inconsistent quarterly EPS progression
Health
20/100

Ref Piotroski F-Score 2/9

Positives
  • Low Debt/Equity ratio
Watchpoints
  • Piotroski F-Score of 2/9 is critically weak
Dividend
60/100

Ref Yield 2.86%, Payout 23.70%

Positives
  • Low payout ratio (23.7%)
  • Consistent dividend rate
Watchpoints
  • Modest yield (2.86%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$20.96
Analyst Target
$22.39
Upside/Downside
+6.8%

Multi-Horizon Performance vs Peers

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

Updated 2026-04-24
FIH
Fidelis Insurance Holdings Limited
Primary
5Y
+69.7%
3Y
+69.7%
1Y
+29.1%
6M
+15.6%
1M
+9.7%
1W
-0.1%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+116.9%
3Y
+37.7%
1Y
-10.3%
6M
+1.4%
1M
-2.7%
1W
+1.0%
GCM
GCM Grosvenor Inc.
Peer
5Y
+1.0%
3Y
+45.6%
1Y
-19.0%
6M
-13.6%
1M
-15.2%
1W
+0.9%
CHC
City Holding Company
Peer
5Y
+82.2%
3Y
+50.3%
1Y
+10.9%
6M
+3.0%
1M
+5.3%
1W
-1.1%
SRC
1st Source Corporation
Peer
5Y
+76.8%
3Y
+81.6%
1Y
+33.1%
6M
+27.1%
1M
+8.1%
1W
+1.9%

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
9.93
Forward P/E
5.3
PEG Ratio
N/A
P/B Ratio
0.84
P/S Ratio
0.72
EV/Revenue
0.67
EV/EBITDA
N/A
Market Cap
$1.81B

Profitability

Profit margins and return metrics

Profit Margin 9.02%
Operating Margin 25.76%
Gross Margin 16.82%
ROE 9.3%
ROA 1.67%

Growth

Revenue and earnings growth rates

Revenue Growth -10.8%
Earnings Growth N/A
Q/Q Revenue Growth -59.61%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.36
Low debt
Current Ratio
1.22
Good
Quick Ratio
0.69
Poor
Cash/Share
$11.38

Financial Statement Flow

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

Revenue
$0.3B
Net Margin
42.9%
Total Assets
$12.4B
Liabilities
$10.0B
Equity
$2.4B
Debt/Equity
4.19x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-13
$N/A
2026-02-25
$1.09
+1.4% surprise
2025-11-12
$1.21
+1.0% surprise
2025-08-13
$0.12
+142.2% surprise

Financial Services Sector Comparison

Comparing FIHL against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
P/E Ratio
9.93
This Stock
vs
38.21
Sector Avg
-74.0% (Discount)
Return on Equity (ROE)
9.3%
This Stock
vs
-1.82%
Sector Avg
-610.9% (Below Avg)
Profit Margin
9.02%
This Stock
vs
75.74%
Sector Avg
-88.1% (Weaker)
Debt to Equity
0.36
This Stock
vs
1.42
Sector Avg
-74.9% (Less Debt)
Revenue Growth
-10.8%
This Stock
vs
37.18%
Sector Avg
-129.0% (Slower)
Current Ratio
1.22
This Stock
vs
3.32
Sector Avg
-63.2% (Weaker)

Similar Companies

Peer comparison within the same industry

FIHL Fidelis...
NEUTRAL
Mkt Cap
$1.8B
P/E
9.9
ROE
9.3%
Price
$20.96
AGM-A Federal...
NEUTRAL
Mkt Cap
$1.8B
P/E
7.4
ROE
13.7%
Price
$129.0
 Compare with FIHL
GCMG GCM Grosvenor Inc.
NEUTRAL
Mkt Cap
$1.8B
P/E
23.3
ROE
765.9%
Price
$9.79
 Compare with FIHL
CHCO City Holding Company
NEUTRAL
Mkt Cap
$1.8B
P/E
13.9
ROE
16.9%
Price
$124.38
 Compare with FIHL
SRCE 1st Source Corporation
BULLISH
Mkt Cap
$1.8B
P/E
11.3
ROE
12.7%
Price
$73.9
 Compare with FIHL

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

DECLEIR ALLAN CARL
Chief Financial Officer
Stock Award
2026-03-30
19,520 shares
MORRISSEY HELENA
Director
Stock Award
2026-03-30
7,820 shares
STRICKLE JONATHAN
Officer
Stock Award
2026-03-30
71,725 shares
ADAMS MATTHEW J
Director
Stock Award
2026-03-30
6,517 shares
KAPU-LEYLAND NICOLE KA ULU OKALA
General Counsel
Stock Award
2026-03-30
46,376 shares
PEARSON MICHAEL JUSTIN
Officer
Stock Award
2026-03-30
33,107 shares
COLLIS CHARLES GRANT ROSS
Director
Stock Award
2026-03-30
6,517 shares
DANDRIDGE CHRISTINE ELAINE
Director
Stock Award
2026-03-30
6,517 shares
KITTINGER JASON ALLEN
Chief Operating Officer
Stock Award
2026-03-30
37,682 shares
IBERG CATHLEEN ANN
Director
Stock Award
2026-03-30
6,517 shares
BURROWS DANIEL DAVID
Chief Executive Officer
Stock Award
2026-03-30
154,170 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2026-03-05

FIHL submitted its annual report on Form 20-F on March 5, 2026. Specific financial highlights and risk factors were not provided in the available metadata.

20-F
20-F
2025-03-11

FIHL filed its 20-F annual report on March 11, 2025. This filing provides the company's comprehensive annual financial disclosures and detailed risk factors for the reporting period.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
9 analysts
Barclays
2026-04-08
Maintains
Equal-Weight Equal-Weight
UBS
2026-03-09
Maintains
Buy Buy
Keefe, Bruyette & Woods
2026-02-27
Maintains
Outperform Outperform
Evercore ISI Group
2026-02-26
Maintains
In-Line In-Line
Keefe, Bruyette & Woods
2026-02-23
Maintains
Outperform Outperform
JP Morgan
2026-01-07
down
Neutral Underweight
Keefe, Bruyette & Woods
2026-01-06
Maintains
Outperform Outperform
Goldman Sachs
2025-11-19
Maintains
Sell Sell
UBS
2025-11-17
Maintains
Buy Buy
Keefe, Bruyette & Woods
2025-11-14
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning FIHL from our newsroom.

Newest → oldest
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