ICC Holdings, Inc.
ICC Holdings, Inc. Fundamental Analysis
ICC Holdings, Inc. (ICCH) shows weak financial fundamentals with a PE ratio of 16.26, profit margin of 5.13%, and ROE of 6.67%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 40.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ICCH's fundamental strength across five key dimensions:
Efficiency Score
WeakICCH struggles to generate sufficient returns from assets.
Valuation Score
ExcellentICCH trades at attractive valuation levels.
Growth Score
ModerateICCH shows steady but slowing expansion.
Financial Health Score
ModerateICCH shows balanced financial health with some risks.
Profitability Score
WeakICCH struggles to sustain strong margins.
Key Financial Metrics
Is ICCH Expensive or Cheap?
P/E Ratio
ICCH trades at 16.26 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ICCH's PEG of -0.73 indicates potential undervaluation.
Price to Book
The market values ICC Holdings, Inc. at 1.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.67 times EBITDA. This is generally considered low.
How Well Does ICCH Make Money?
Net Profit Margin
For every $100 in sales, ICC Holdings, Inc. keeps $5.13 as profit after all expenses.
Operating Margin
Core operations generate 6.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.67 in profit for every $100 of shareholder equity.
ROA
ICC Holdings, Inc. generates $2.02 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ICC Holdings, Inc. produces operating cash flow of $8.57M, showing steady but balanced cash generation.
Free Cash Flow
ICC Holdings, Inc. produces free cash flow of $7.95M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $2.68 in free cash annually.
FCF Yield
ICCH converts 11.36% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.26
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.73
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.84
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.02
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How ICCH Stacks Against Its Sector Peers
| Metric | ICCH Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.26 | 18.56 | Better (Cheaper) |
| ROE | 6.67% | 828.00% | Weak |
| Net Margin | 5.13% | -175.00% (disorted) | Weak |
| Debt/Equity | 0.22 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.02 | 663.54 | Weak Liquidity |
| ROA | 2.02% | -21308.00% (disorted) | Weak |
ICCH outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ICC Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical