IHC:NYE-Independence Holding Company (USD)

COMMON STOCK | Insurance—Life | NYE

Last Closing Price

USD 41.85

Change

0.00 (0.00)%

Market Cap

USD 0.62B

Volume

3.30K

Average Target Price

N/A
Average Analyst Rating

N/A

STA Verdict

Verdict

About

Independence Holding Company, through its subsidiaries, engages in life and health insurance business. The company's dental portfolio includes indemnity and PPO plans for employer groups of two or more lives, and for individuals within affinity groups; vision plans that offer a flat reimbursement amount for exams and materials; and short-term medical products for people with temporary needs for health coverage. It also provides supplemental products, including hospital indemnity, fixed indemnity limited benefit, critical illness, accident medical coverage, and life insurance products to individuals and families; and pet insurance and occupational accident insurance products. In addition, the company offers group long-term and short-term disability products to employers that provide benefit to their employees; New York short-term disability plan that offers temporary cash payments to replace wages lost; and group term life products, such as group term life, accidental death and dismemberment AD&D, supplemental life and AD&D, and dependent life products. Independence Holding Company markets its products through general agents, independent brokers, and independent producers in 50 states of the United States, the District of Columbia, the Virgin Islands, and Puerto Rico. The company was founded in 1980 and is headquartered in Stamford, Connecticut. Independence Holding Company operates as a subsidiary of Geneve Holdings, Inc.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-01-26 )

Largest Industry Peers for Insurance—Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

N/A

USD115.07B 19.55 348.33
MET-PE MetLife, Inc

N/A

USD48.98B 3.69 8.87
MET-PA MetLife, Inc

N/A

USD48.83B 3.36 8.63
PUK Prudential plc

N/A

USD47.56B 16.03 29.97
MET MetLife, Inc

N/A

USD47.15B 6.85 10.92
MFC Manulife Financial Corporation

N/A

USD40.14B 22.47 174.59
AFL Aflac Incorporated

N/A

USD38.46B 12.94 9.56
PRU Prudential Financial, Inc

N/A

USD37.25B 10.02 6.40
GL Globe Life Inc

N/A

USD11.35B 15.92 12.60
LNC Lincoln National Corporation

N/A

USD11.22B 13.84 7.64

ETFs Containing IHC

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -0.55% 68% D+ 35% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -0.55% 68% D+ 35% F
Trailing 12 Months  
Capital Gain 16.70% 88% B+ 68% D+
Dividend Return 1.12% 29% F 18% F
Total Return 17.82% 88% B+ 63% D
Trailing 5 Years  
Capital Gain 209.54% 100% A+ 97% A+
Dividend Return 7.80% 23% F 28% F
Total Return 217.34% 100% A+ 97% A+
Average Annual (5 Year Horizon)  
Capital Gain 32.79% 100% A+ 96% A
Dividend Return 0.83% 14% F 19% F
Total Return 33.62% 100% A+ 96% A
Risk Return Profile  
Volatility (Standard Deviation) 23.71% 50% F 30% F
Risk Adjusted Return 141.79% 94% A 96% A
Market Capitalization 0.62B 11% F 47% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 23.66 21% F 30% F
Price/Book Ratio 1.31 32% F 58% F
Price / Cash Flow Ratio 17.25 11% F 26% F
EV/EBITDA 14.72 26% F 32% F
Management Effectiveness  
Return on Equity 5.87% 32% F 40% F
Return on Invested Capital 5.65% 42% F 45% F
Return on Assets 2.06% 89% B+ 40% F
Debt to Equity Ratio N/A N/A N/A N/A N/A
Technical Ratios  
Short Ratio 9.91 11% F 9% F
Short Percent 1.50% 87% B+ 83% B
Beta 0.20 100% A+ 86% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

STA Verdict Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.