Global Indemnity (GBLI) AI Stock Analysis

• Market Cap: $412.53M
• Dividend Yield: 5.01%
• Average Volume (3M): 6.82K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.07
• Revenue Growth: -0.04%
• EPS Growth: -33.45%
• Country: US
• Employees: 266
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 1.08
• Shares Outstanding: 10,530,342
• 10 Day Avg. Volume: 1,747
• 30 Day Avg. Volume: 6,823
• PEG Ratio: 0.16
• Price to Book (P/B): 0.71
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 12.64
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: 0.78
• Enterprise Value/Gross Profit: 5.06
• Enterprise Value/Ebitda: 8.18
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $32.00 ▲(13.15% Upside)

The score is driven primarily by solid financial strength (low leverage and strong free cash flow) and constructive earnings-call fundamentals (improving underwriting results and growth outlook). Valuation is supportive due to a moderate P/E and high dividend yield, while technicals are only moderately favorable with some signs of near-term froth (high stochastic).

Positive Factors

Strong Cash Flow Generation

Strong cash flow generation indicates efficient operations and provides the company with the flexibility to invest in growth opportunities and manage debt.

Strategic Advancements

Investments in technology and data infrastructure through Project Kaleidoscope enhance operational efficiency and competitive positioning, supporting long-term growth.

New Reinsurance Agency Launch

The launch of a new reinsurance agency expands Global Indemnity's capabilities, potentially driving innovation and growth in specialized insurance solutions.

Negative Factors

Declining Profit Margins

Declining profit margins suggest challenges in cost management, which could impact profitability and operational efficiency over the long term.

Increased Corporate Expenses

Rising corporate expenses can strain profitability and may require improved cost management strategies to maintain financial health.

Increased Competition

Increased competition could pressure market share and pricing power, potentially affecting revenue growth and profitability in the coming years.

Global Indemnity Business Overview & Revenue Model

Company Description

Global Indemnity (GBLI) is a multinational insurance holding company that operates primarily in the property and casualty insurance sector. The company offers a wide range of insurance products including commercial and personal lines, as well as specialized coverage options tailored to various industries. With a focus on delivering reliable risk management solutions, Global Indemnity serves a diverse clientele through its multiple subsidiaries and affiliates, catering to both individual and business insurance needs globally.

How the Company Makes Money

Global Indemnity generates revenue primarily through the underwriting of insurance policies, where it collects premiums from policyholders in exchange for coverage against potential losses. The company's key revenue streams include premiums from its commercial and personal lines of insurance, which are invested to generate additional income. Furthermore, GBLI earns money through reinsurance arrangements and by offering specialized insurance products that cater to niche markets. Strategic partnerships with brokers and agents enhance its distribution capabilities, thereby increasing its market reach and customer base, contributing significantly to its overall earnings.

Global Indemnity Financial Statement Overview

Summary

Strong balance sheet with minimal leverage (very low debt-to-equity) and robust free cash flow growth, but profitability metrics show pressure (declining gross and net margins and lower ROE).

Income Statement

Global Indemnity's income statement shows a mixed performance. The TTM data indicates a strong revenue growth rate of 55.5%, which is a positive sign. However, the gross profit margin has decreased significantly from previous years, indicating potential cost management issues. The net profit margin has also declined, though it remains positive. The EBIT and EBITDA margins have shown some resilience, but are lower than previous periods, suggesting pressure on operating efficiency.

Balance Sheet

The balance sheet of Global Indemnity is strong, with a low debt-to-equity ratio of 0.0127, indicating minimal leverage and financial risk. The return on equity has decreased over time, reflecting challenges in generating returns for shareholders. The equity ratio remains stable, suggesting a solid capital structure. Overall, the balance sheet reflects financial stability with low leverage.

Cash Flow

The cash flow statement reveals a robust free cash flow growth rate of 478.2% in the TTM period, highlighting strong cash generation capabilities. The free cash flow to net income ratio is consistently at 1.0, indicating efficient conversion of profits into cash. However, the operating cash flow to net income ratio is low, suggesting potential issues in cash flow management. Overall, the cash flow position is strong, with significant improvements in free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	441.82M	441.19M	528.13M	628.53M	678.27M	583.55M
Gross Profit	68.12M	80.65M	56.36M	32.92M	70.46M	31.74M
EBITDA	42.12M	60.72M	39.17M	13.37M	53.70M	-6.29M
Net Income	27.90M	43.24M	25.43M	-850.00K	29.35M	-21.01M
Balance Sheet
Total Assets	1.73B	1.73B	1.73B	1.80B	2.01B	1.90B
Cash, Cash Equivalents and Short-Term Investments	1.11B	1.20B	1.04B	1.29B	1.28B	1.26B
Total Debt	8.92M	10.37M	12.73M	15.70M	145.51M	149.24M
Total Liabilities	1.03B	1.04B	1.08B	1.17B	1.31B	1.19B
Stockholders Equity	704.13M	689.15M	648.75M	626.23M	706.62M	718.32M
Cash Flow
Free Cash Flow	1.68M	38.84M	42.89M	44.24M	90.80M	6.95M
Operating Cash Flow	1.68M	38.84M	42.89M	44.24M	90.80M	32.67M
Investing Cash Flow	62.66M	-39.51M	-16.33M	80.13M	-64.52M	174.59M
Financing Cash Flow	-20.00M	-20.36M	-27.36M	-163.80M	-15.36M	-184.17M

Global Indemnity Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.28
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBLI, the sentiment is Positive. The current price of 28.28 is below the 20-day moving average (MA) of 28.29, above the 50-day MA of 27.95, and below the 200-day MA of 28.95, indicating a neutral trend. The MACD of 0.27 indicates Negative momentum. The RSI at 56.37 is Neutral, neither overbought nor oversold. The STOCH value of 85.66 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GBLI.

Global Indemnity Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KINS	79 Outperform	$221.27M	7.10	37.59%	0.57%	39.32%	61.45%
GBLI	73 Outperform	$412.53M	14.93	4.01%	5.01%	-0.04%	-33.45%
UVE	70 Outperform	$836.70M	7.04	27.34%	2.18%	4.61%	73.40%
DGICA	69 Neutral	$696.96M	8.02	15.10%	3.51%	0.93%	224.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACIC	65 Neutral	$539.83M	6.39	29.35%	―	16.34%	-1.26%
NODK	47 Neutral	$274.06M	108.66	1.07%	―	-17.81%	38.09%

Global Indemnity Corporate Events

Global Indemnity Reappoints Key Directors, Ensuring Board Continuity

Effective January 1, 2026, Global Indemnity Group, LLC’s Class B Majority Shareholder, comprised of the Fox Paine Entities, reappointed six Designated Directors — Saul A. Fox, Joseph W. Brown, Fred E. Karlinsky, Bruce R. Lederman, Thomas M. McGeehan, and Jason C. Murgio — to the board for a one-year term through December 31, 2026, while director Seth J. Gersch, elected at the 2025 annual meeting, continues to serve. The move confirms the Fox Paine Entities’ continued governance influence under the company’s limited liability company agreement, keeps existing committee assignments in place for the non-employee Designated Directors, maintains their compensation under the current non-employee director plan, and signals continuity in leadership and risk oversight with no new related-party transactions involving these directors requiring disclosure, aside from previously reported dealings tied to advisory services from Merger & Acquisition Services, Inc.

The most recent analyst rating on (GBLI) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Global Indemnity stock, see the GBLI Stock Forecast page.