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Vericity, Inc. (VERY)
Key financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 124 | 135 | 148 | 177 | 164 | 178 | 178 |
| Operating profit | $m | -7 | -14 | |||||
| Net profit | $m | -14 | -19 | -25 | -17 | -20 | -10 | -14 |
| EPS reported | $ | -0.67 | -0.92 | |||||
| Operating cashflow per share | $ | 0.32 | 0.32 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 0.32 | 0.32 | |||||
| Free cash flow | $m | 5 | 9 | |||||
| Net debt | $m | -443 | -35 | |||||
| Book value equity | $m | 110 | 103 | |||||
| Book value per share | $ | 7.41 | 6.94 | |||||
| Number of shares | m | 14.88 | 14.88 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 1.51 | 1.65 | |||||
| P/S LTM | x | 0.94 | 0.95 | |||||
| P/FCF LTM | x | 34.44 | 19.46 | |||||
| EV/EBITDA LTM | x | -139.96 | 22.50 | |||||
| EV/Sales LTM | x | 1.17 | 0.76 | |||||
| Earnings Yield LTM | % | -5.94% | -5.82% | |||||
| FCF Yield | % | 2.90% | 5.14% | |||||
| Quality | ||||||||
| ROE | % | -8.98% | -8.93% | |||||
| ROIC | % | -1.16% | -1.16% | |||||
| Operating margin | % | -4.20% | -4.20% | |||||
| Gross margin | % | 41.34% | 41.34% | |||||
| FCF/Sales | % | 2.72% | 2.72% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +8.33% | +5.53% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 0.10 | 0.17 | |||||
| Net Debt/EBITDA | x | -27.64 | -27.64 | |||||
| EBIT/Net interest | x | 0.00 | 0.00 | |||||
| Net debt/market cap | % | -266.31% | -20.43% | |||||
| Net debt/Equity | x | -4.02 | -0.34 | |||||
| Gross debt/equity | x | 0.44 | 0.50 | |||||
Company overview
Vericity, Inc. focuses on delivering vital life insurance coverage tailored for the middle-income demographic across America. The company operates through two distinct operational arms: its Agency division and its Insurance division. Through its Agency segment, Vericity facilitates the sale of life insurance policies from various independent insurance providers. This is accomplished via its extensive call center network, a roster of independent agents, and other marketing organizations. Additionally, this division is active in generating valuable insurance sales leads through its eCoverage digital platform. Conversely, the Insurance segment directly underwrites and offers its own range of products, encompassing term life policies, accidental death benefits, and final expense coverage. Vericity, Inc.'s primary corporate office is situated in Chicago, Illinois.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Vericity, Inc. (VERY)
Vericity, Inc. focuses on delivering vital life insurance coverage tailored for the middle-income demographic across America. The company operates through two distinct operational arms: its Agency division and its Insurance division. Through its Agency segment, Vericity facilitates the sale of life insurance policies from various independent insurance providers. This is accomplished via its extensive call center network, a roster of independent agents, and other marketing organizations. Additionally, this division is active in generating valuable insurance sales leads through its eCoverage digital platform. Conversely, the Insurance segment directly underwrites and offers its own range of products, encompassing term life policies, accidental death benefits, and final expense coverage. Vericity, Inc.'s primary corporate office is situated in Chicago, Illinois.
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