Global Indemnity (GBLI) AI Stock Analysis

• Market Cap: $408.95M
• Dividend Yield: 4.91%
• Average Volume (3M): 7.20K
• Price to Earnings (P/E): 14.8
• Beta (1Y): 0.11
• 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: 12,939
• 30 Day Avg. Volume: 7,198
• 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: 1.05
• Enterprise Value/Revenue: 0.97
• Enterprise Value/Gross Profit: 6.31
• Enterprise Value/Ebitda: 10.21
• 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: 67 Neutral
• Price Target: $30.00 ▲(6.08% Upside)

Global Indemnity's overall score reflects strong financial stability and cash flow generation, supported by a solid earnings call performance. However, technical indicators show bearish momentum, and increased competition and expenses present risks. The valuation remains fair, offering a good dividend yield.

Positive Factors

Cash Flow Generation

Strong cash flow generation indicates efficient operations and financial health, enabling reinvestment in growth and strategic initiatives.

Investment Income Growth

Growth in investment income enhances profitability and provides a buffer against underwriting volatility, supporting long-term financial stability.

Strategic Acquisitions

Acquisitions like Sayata expand market reach and digital capabilities, positioning the company for sustained growth in competitive markets.

Negative Factors

Declining Profit Margins

Decreasing profit margins suggest rising costs or pricing pressures, which could erode profitability if not addressed through cost management or pricing strategies.

Increased Competition

Rising competition may pressure pricing and market share, challenging revenue growth and necessitating strategic differentiation to maintain competitiveness.

Increase in Corporate Expenses

Rising corporate expenses can strain margins and reduce net income, highlighting the need for cost control to sustain financial performance.

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

Global Indemnity shows strong cash flow generation and low leverage, with impressive revenue growth. However, declining profit margins and return on equity highlight areas for improvement. The balance sheet remains stable, indicating financial stability.

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: Negative
• Last Price: 28.28
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 28.28 is above the 20-day moving average (MA) of 28.08, below the 50-day MA of 28.70, and below the 200-day MA of 30.19, indicating a neutral trend. The MACD of -0.19 indicates Negative momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 98.83 is Negative, 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
KINS	74 Outperform	$209.66M	6.73	37.59%	0.66%	39.32%	61.45%
UVE	74 Outperform	$914.67M	7.70	27.34%	2.36%	4.61%	73.40%
ACIC	68 Neutral	$590.06M	6.98	29.35%	―	16.34%	-1.26%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GBLI	67 Neutral	$408.95M	14.80	4.01%	4.91%	-0.04%	-33.45%
DGICA	62 Neutral	$709.28M	8.19	15.10%	3.62%	0.93%	224.95%
NODK	50 Neutral	$271.88M	180.38	1.07%	―	-17.81%	38.09%

Global Indemnity Corporate Events

Global Indemnity’s Earnings Call: Balancing Growth and Challenges

The recent earnings call for Global Indemnity painted a balanced picture of the company’s current standing. While the call highlighted strong operational performance, investment growth, and strategic advancements, these positives were tempered by increased corporate expenses and the challenges posed by rising competition in the industry.

Global Indemnity Reports Strong Q3 2025 Financial Growth

Global Indemnity Group, LLC is a publicly traded holding company that operates a diversified portfolio of property and casualty insurance-related entities, including managing general agencies and specialized insurance product and service entities. The company is known for its robust insurance offerings and strategic acquisitions in the insurance sector.

Global Indemnity Launches New Reinsurance Agency

On October 3, 2025, Global Indemnity Group announced that its subsidiary, Penn-America Underwriters, is launching its first reinsurance managing general agency in partnership with reinsurance executive George Dragonetti, who will lead the new unit. This strategic move is part of Global Indemnity’s Manifest initiative to expand its capabilities in specialized insurance and reinsurance solutions, with Dragonetti’s extensive experience expected to drive innovation and growth in the reinsurance business.

The most recent analyst rating on (GBLI) stock is a Hold with a $31.00 price target. To see the full list of analyst forecasts on Global Indemnity stock, see the GBLI Stock Forecast page.

Global Indemnity Acquires Sayata to Boost Digital Growth

On September 2, 2025, Global Indemnity Group’s subsidiary, Penn-America Underwriters, completed the acquisition of Sayata, an AI-enabled digital distribution marketplace for commercial insurance. This acquisition supports PAU’s strategic reorganization to enhance distribution, product portfolio, and technology capabilities, aligning with Global Indemnity’s vision to expand digital capabilities and accelerate growth, thereby strengthening its position in the insurance industry.

The most recent analyst rating on (GBLI) stock is a Hold with a $32.00 price target. To see the full list of analyst forecasts on Global Indemnity stock, see the GBLI Stock Forecast page.