Fidelis Insurance Holdings Limited Common Shares (FIHL)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at Fidelis Insurance Holdings, a small specialty insurer and reinsurer operating in Bermuda, Ireland, and the UK. At the 2026-07-10 close of $25.07, the market cap is $1.8B. The latest quarter shown, 2026-Q1, produced $610.5M of revenue and $108.0M of net income, a 17.69% margin. That is healthy, but the top line is shrinking, and the packet's growth figures cut in opposite directions. FairStock calculates a P/E of 11.88, P/B of 1.01, dividend yield of 2.95%, beta of 0.37, and FairStock Score of 69/100. A near-book price suggests the market expects little excess return. ROE is 9.30%, ROCE 1.67%, and D/E 0.36; the balance sheet does not look stretched, but returns are modest. The Piotroski F-Score is only 4/9, and FairStock assigns no Lynch category because there are 0 years of filed results and it needs 3. The PEG of 0.03 and the large reported jump in profit are eye-catching, but I suspect a cyclical rebound rather than a durable moat. For an insurer, I would want the combined ratio, reserve development, and investment yield; none are supplied. CET1 and NIM are bank measures and are not in the data. At about book value, the shares are not obviously expensive, but with sub-10% ROE and declining revenue, I would call them fair, not compelling. I prefer a wider margin of safety before calling any insurer a bargain.

In plain English: Fidelis Insurance Holdings sells specialty insurance and reinsurance from Bermuda, Ireland, and the UK. It earned a solid profit in the latest quarter, but sales shrank and overall returns are only moderate. At $25.07, the shares look close to the company's net asset value and roughly twelve times its recent yearly profit, so the price appears fair rather than clearly cheap.

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Data as of 2026-07-10 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer