Global Indemnity (GBLI) AI Stock Analysis

• Market Cap: $401.15M
• Dividend Yield: 4.87%
• Average Volume (3M): 3.95K
• Price to Earnings (P/E): 14.2
• Beta (1Y): >-0.01
• Revenue Growth: -3.71%
• EPS Growth: -21.68%
• Country: US
• Employees: 266
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.71
• Shares Outstanding: 10,502,716
• 10 Day Avg. Volume: 8,116
• 30 Day Avg. Volume: 3,951
• PEG Ratio: 0.15
• Price to Book (P/B): 0.71
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 12.64
• Enterprise Value/Market Cap: 1.15
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 3.14
• Enterprise Value/Ebitda: 11.16
• 1Y Price Target: $32.00
• Price Target Upside: 11.27% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 65 Neutral
• Price Target: $32.00 ▲(11.27% Upside)

Global Indemnity's overall stock score is driven by improved profitability and a strong balance sheet, balanced by declining revenue and bearish technical indicators. The positive outlook from the earnings call and strategic board appointment provide additional support, but challenges in the small commercial market and increased expenses are concerns.

Global Indemnity Business Overview & Revenue Model

Company Description

Global Indemnity (GBLI) is a diversified insurance holding company that operates primarily in the property and casualty insurance sector. The company offers a wide range of insurance products, including specialty insurance, surety, and reinsurance solutions, catering to both individual and commercial clients. With a focus on risk management, GBLI leverages its expertise to deliver tailored insurance products that meet the unique needs of various industries.

How the Company Makes Money

Global Indemnity generates revenue primarily through the underwriting of insurance policies and the collection of premiums from its policyholders. The company earns money by assessing risk and pricing its insurance products accordingly, which allows it to collect premiums that exceed the cost of claims paid out. Key revenue streams include direct insurance premiums from commercial and personal lines, surety bonds, and reinsurance agreements. Additionally, GBLI may benefit from investment income generated from the premiums it collects, which are often invested in various financial instruments. Strategic partnerships with brokers and agents also enhance its market reach and contribute to its earnings by facilitating the distribution of its insurance products.

Global Indemnity Financial Statement Overview

Summary

Global Indemnity shows improved profitability with a higher net profit margin and return on equity. The absence of debt strengthens the balance sheet, but a declining revenue trend and decreased free cash flow may challenge future growth.

Income Statement

Global Indemnity's income statement shows a decline in total revenue from $628.5M in 2022 to $441.2M in 2024, indicating a negative growth trend. The net profit margin improved from -0.14% in 2022 to 9.80% in 2024, reflecting better profitability. However, the absence of EBIT and EBITDA data in 2024 limits the analysis of operating efficiency.

Balance Sheet

The balance sheet reveals a strong equity position with a debt-to-equity ratio of 0.00 in 2024, indicating no debt burden. The equity ratio increased to 39.81% in 2024, suggesting a stable financial structure. Return on equity improved significantly to 6.28% in 2024, showing enhanced profitability for shareholders.

Cash Flow

The cash flow statement highlights positive operating cash flow of $38.8M in 2024, but free cash flow decreased from $42.9M in 2023 to $38.8M in 2024, showing a decline in cash available for growth. The operating cash flow to net income ratio of 0.90 indicates moderate cash generation relative to profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	437.55M	441.19M	528.13M	628.53M	678.27M	583.55M
Gross Profit	147.68M	80.65M	504.75M	604.11M	651.09M	541.55M
EBITDA	41.50M	54.96M	39.17M	13.37M	53.70M	-6.29M
Net Income	27.89M	43.24M	25.43M	-850.00K	29.35M	-21.01M
Balance Sheet
Total Assets	1.71B	1.73B	1.73B	1.80B	2.01B	1.90B
Cash, Cash Equivalents and Short-Term Investments	1.10B	1.20B	38.04M	1.29B	1.28B	1.26B
Total Debt	9.86M	10.37M	12.73M	15.70M	145.51M	126.29M
Total Liabilities	1.03B	1.04B	1.08B	1.17B	145.51M	126.29M
Stockholders Equity	687.05M	689.15M	648.75M	626.23M	706.62M	718.32M
Cash Flow
Free Cash Flow	18.56M	38.84M	42.89M	44.24M	90.80M	6.95M
Operating Cash Flow	18.56M	38.84M	42.89M	44.24M	90.80M	32.67M
Investing Cash Flow	44.28M	-39.51M	-16.33M	80.13M	-64.52M	174.59M
Financing Cash Flow	-20.55M	-20.36M	-27.36M	-163.80M	-15.36M	-184.17M

Global Indemnity Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 28.76
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBLI, the sentiment is Negative. The current price of 28.76 is below the 20-day moving average (MA) of 30.28, below the 50-day MA of 31.01, and below the 200-day MA of 32.59, indicating a bearish trend. The MACD of -0.71 indicates Positive momentum. The RSI at 41.97 is Neutral, neither overbought nor oversold. The STOCH value of 8.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GBLI.

Global Indemnity Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HRTG	77 Outperform	$673.08M	6.38	33.49%	―	9.35%	77.04%
UVE	72 Outperform	$683.61M	10.57	15.60%	3.14%	5.64%	-17.95%
DGICA	72 Outperform	$618.98M	7.32	15.20%	4.03%	3.40%	978.24%
Sector *	67 Neutral	¥833.81B	12.87	9.24%	3.02%	8.04%	11.99%
ACIC	67 Neutral	$521.30M	6.60	31.54%	―	23.68%	16.14%
GBLI	65 Neutral	$401.15M	14.17	4.13%	4.87%	-3.71%	-21.68%
NODK	54 Neutral	$265.47M	176.13	0.65%	―	-15.27%	-65.08%

Global Indemnity Corporate Events

Global Indemnity Holds Annual Shareholder Meeting

On June 11, 2025, Global Indemnity Group, LLC held its Annual Meeting of Shareholders, where key proposals were voted on. Seth J. Gersch was elected to the Board of Directors, and the appointment of the company’s independent auditors was ratified, indicating continued stability and governance for the company.

Global Indemnity Expands Board with New Appointment

On June 4, 2025, Global Indemnity Group, LLC expanded its Board of Directors from six to seven members, appointing Jason C. Murgio as a Designated Director. Mr. Murgio, CEO of Merger & Acquisition Services, Inc., brings extensive expertise in insurance mergers and acquisitions, which is expected to benefit the company as it navigates growth opportunities in the evolving insurance landscape.