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Fundamental Global (FGF)
NASDAQ:FGF

Fundamental Global (FGF) AI Stock Analysis

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FG

Fundamental Global

(NASDAQ:FGF)

Rating:45Neutral
Price Target:
$17.00
▲(4.29%Upside)
The overall stock score reflects significant weaknesses in financial performance due to declining revenues and profitability, coupled with valuation concerns driven by negative earnings. Technical analysis provides a marginally stabilizing factor with neutral signals, but the overall outlook remains cautious.

Fundamental Global (FGF) vs. SPDR S&P 500 ETF (SPY)

Fundamental Global Business Overview & Revenue Model

Company DescriptionFG Financial Group, Inc. operates as a reinsurance and investment management holding company in the United States. The company offers specialty property and casualty reinsurance products and services. It also operates a special purpose acquisition company platform (SPAC) that provides various strategic, administrative, and regulatory support services to newly formed SPACs for a monthly fee. The company was formerly known as 1347 Property Insurance Holdings, Inc. and changed its name to FG Financial Group, Inc. in December 2020. The company was incorporated in 2012 and is based in St. Petersburg, Florida.
How the Company Makes MoneyFundamental Global makes money primarily through its investment activities and management of its portfolio companies. The company generates revenue by acquiring stakes in businesses across various sectors and leveraging its expertise to enhance their operational performance and market value. Additionally, FGF earns income through management fees, dividends, and interest from its investment holdings. Key revenue streams include capital appreciation from strategic acquisitions and returns from its investments in financial services, industrial operations, and real estate ventures. Significant partnerships with industry players and financial institutions may also contribute to its earnings by facilitating co-investment opportunities and expanding its market reach.

Fundamental Global Financial Statement Overview

Summary
Fundamental Global exhibits a challenging financial position with declining revenues and profitability. The income statement shows significant volatility with a negative trend in profitability, including a net profit margin of -55.7%. The balance sheet is stable with low leverage, but cash flow analysis reveals negative operating and free cash flow, indicating cash generation issues.
Income Statement
30
Negative
The income statement shows significant volatility with a negative trend in profitability. The TTM period reports a gross profit margin of 50.9% and a net profit margin of -55.7%, indicating high expenses relative to revenue. Revenue has declined from $26.84M in 2023 to $11.64M in the TTM, a significant decrease, suggesting a challenging revenue environment. Additionally, both EBIT and EBITDA margins are negative, pointing to operational inefficiencies.
Balance Sheet
65
Positive
The balance sheet reflects a stable capital structure, with a debt-to-equity ratio of 0.05, indicating low leverage. The equity ratio stands at 63.9%, demonstrating a strong equity base relative to total assets. However, return on equity has been negative in the TTM, reflecting ongoing losses. Overall, the balance sheet is relatively stable, but profitability challenges persist.
Cash Flow
40
Negative
Cash flow analysis reveals negative operating cash flow and free cash flow in the TTM, suggesting cash generation issues. The free cash flow to net income ratio is negative due to both negative free cash flow and net income. Despite this, the company has managed to maintain positive investing cash flow, perhaps indicating strategic asset investments. However, the overall cash flow situation remains concerning.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue11.64M17.35M17.09M20.09M7.59M-17.16M
Gross Profit5.92M-8.14M-4.38M-10.23M-13.14M-34.31M
EBITDA-26.00M-21.81M-11.94M1.09M-7.33M-22.46M
Net Income-6.48M-1.16M-14.08M1.09M-8.66M-22.46M
Balance Sheet
Total Assets100.31M109.47M65.74M49.48M40.83M34.70M
Cash, Cash Equivalents and Short-Term Investments5.67M7.79M6.00M3.01M15.54M12.13M
Total Debt3.18M3.74M9.46M8.54M6.71M8.21M
Total Liabilities36.16M35.27M23.24M12.18M502.00K455.00K
Stockholders Equity64.15M74.20M35.15M37.30M34.01M34.19M
Cash Flow
Free Cash Flow-5.22M-4.76M-4.21M-11.10M-14.42M-11.30M
Operating Cash Flow-5.18M-4.71M-4.21M-11.02M-14.41M-11.28M
Investing Cash Flow12.43M13.15M-695.00K-3.45M5.90M-1.16M
Financing Cash Flow-6.94M-6.86M3.38M-924.00K11.92M-3.94M

Fundamental Global Technical Analysis

Technical Analysis Sentiment
Negative
Last Price16.30
Price Trends
50DMA
16.86
Negative
100DMA
17.69
Negative
200DMA
20.92
Negative
Market Momentum
MACD
-0.10
Positive
RSI
43.53
Neutral
STOCH
29.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGF, the sentiment is Negative. The current price of 16.3 is below the 20-day moving average (MA) of 17.22, below the 50-day MA of 16.86, and below the 200-day MA of 20.92, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 43.53 is Neutral, neither overbought nor oversold. The STOCH value of 29.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FGF.

Fundamental Global Risk Analysis

Fundamental Global disclosed 25 risk factors in its most recent earnings report. Fundamental Global reported the most risks in the "Ability to Sell" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Fundamental Global Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$1.08B8.8020.50%7.62%13.29%17.14%
77
Outperform
$5.04B10.808.56%10.70%-39.16%
WDWDH
72
Outperform
$513.56M9.788.26%1.12%2.64%100.00%
67
Neutral
$16.81B11.859.77%3.76%12.07%-8.35%
66
Neutral
$1.75B17.57-0.42%2.49%23.28%-103.35%
58
Neutral
$3.73B82.9160.58%21.60%90.80%
FGFGF
45
Neutral
$21.51M11.46-41.35%27.74%-33.99%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FGF
Fundamental Global
16.30
-7.45
-31.37%
ESGR
Enstar Group
337.91
18.29
5.72%
IGIC
International General Insurance Holdings
24.23
10.58
77.51%
GSHD
GooseHead Insurance
99.45
45.45
84.17%
WDH
Waterdrop
1.42
0.31
27.93%
FIHL
Fidelis Insurance Holdings Ltd.
15.97
-0.36
-2.20%

Fundamental Global Corporate Events

Stock Split
Fundamental Global Announces Reverse Stock Split and Updates
Neutral
Oct 30, 2024

Fundamental Global Inc. announced a one-for-twenty-five reverse stock split, effective October 31, 2024, to potentially boost its market price. This adjustment will reduce the outstanding common shares from 31.4 million to approximately 1.3 million and will not affect shareholders’ percentage ownership, rounding up fractional shares to the nearest whole. The company’s stock will trade under the symbol ‘FGF’ with a new CUSIP number starting November 1, 2024.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 08, 2025