Vericity, Inc. VERY

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11.43 0.00 (+0.00%)

At closeJun 27, 2024, 4:00 PM EDT

11.40 Day range 11.43
4.70 52-week range 12.14

Financial health

Altman Z-Score

0.91 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -16.7×
FY 2017: -21.8×FY 2018: -12.9×FY 2019: -9.7×FY 2020: -6.0×FY 2021: -6.2×FY 2022: -5.4×FY 2023: -16.7×
FY 2017 5y median -6.2× FY 2023
P/S 0.9×
FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.9×
FY 2017 5y median 0.9× FY 2023
P/B 1.5×
FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 1.0×FY 2023: 1.5×
FY 2017 5y median 0.9× FY 2023
P/FCF 34.4×
FY 2017: 18.8×FY 2018: 42.5×FY 2019: -67.1×FY 2020: 28.1×FY 2021: -130×FY 2022: -15.1×FY 2023: 34.4×
FY 2017 5y median -15.1× FY 2023
EV/EBITDA -140×
FY 2017: -16.5×FY 2018: -11.6×FY 2019: -6.7×FY 2020: -4.8×FY 2021: -5.3×FY 2022: -9.7×FY 2023: -140×
FY 2017 5y median -6.7× FY 2023
EV/Sales 1.2×
FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 0.6×FY 2022: 0.8×FY 2023: 1.2×
FY 2017 5y median 1.0× FY 2023
FCF Yield 2.9%
FY 2017: 5.3%FY 2018: 2.4%FY 2019: -1.5%FY 2020: 3.6%FY 2021: -0.8%FY 2022: -6.6%FY 2023: 2.9%
FY 2017 5y median -0.8% FY 2023

Profitability

Gross Margin 41.3%
FY 2017: 100.0%FY 2018: 100.0%FY 2019: 43.1%FY 2020: 45.6%FY 2021: 46.4%FY 2022: 40.4%FY 2023: 41.3%
FY 2017 5y median 43.1% FY 2023
Operating Margin -4.2%
FY 2017: -9.4%FY 2018: -13.1%FY 2019: -19.7%FY 2020: -22.0%FY 2021: -13.4%FY 2022: -13.8%FY 2023: -4.2%
FY 2017 5y median -13.8% FY 2023
Net Margin -5.6%
FY 2017: -7.1%FY 2018: -11.2%FY 2019: -14.3%FY 2020: -16.9%FY 2021: -9.4%FY 2022: -12.5%FY 2023: -5.6%
FY 2017 5y median -12.5% FY 2023
ROE -9.0%
FY 2017: -4.2%FY 2018: -8.0%FY 2019: -9.1%FY 2020: -12.8%FY 2021: -9.6%FY 2022: -18.4%FY 2023: -9.0%
FY 2017 5y median -9.6% FY 2023
ROIC -1.2%
FY 2017: -1.0%FY 2018: -2.6%FY 2019: -3.0%FY 2020: -3.1%FY 2021: -2.4%FY 2022: -5.2%FY 2023: -1.2%
FY 2017 5y median -3.0% FY 2023
ROA -1.6%
FY 2017: -1.2%FY 2018: -2.1%FY 2019: -2.7%FY 2020: -3.3%FY 2021: -2.1%FY 2022: -2.7%FY 2023: -1.6%
FY 2017 5y median -2.7% FY 2023

Growth (YoY)

Revenue 8.3%
FY 2017: 0.0%FY 2018: 7.0%FY 2019: 9.1%FY 2020: 9.3%FY 2021: 19.4%FY 2022: -7.2%FY 2023: 8.3%
FY 2017 FY 2023
Operating Income 67.0%
FY 2017: 0.0%FY 2018: -48.0%FY 2019: -64.9%FY 2020: -21.6%FY 2021: 27.3%FY 2022: 4.4%FY 2023: 67.0%
FY 2017 FY 2023
EPS (diluted) 51.4%
FY 2017: 0.0%FY 2018: -69.1%FY 2019: -39.8%FY 2020: -29.2%FY 2021: 33.3%FY 2022: -23.2%FY 2023: 51.4%
FY 2017 FY 2023
Free Cash Flow 165.6%
FY 2017: 0.0%FY 2018: -55.7%FY 2019: -166.4%FY 2020: 290.1%FY 2021: -115.0%FY 2022: -828.2%FY 2023: 165.6%
FY 2017 FY 2023

Financial Health

Current Ratio -0.3×
FY 2017: 66.3×FY 2018: 50.5×FY 2019: 27.2×FY 2020: 104×FY 2021: 148×FY 2022: 52.1×FY 2023: -0.3×
FY 2017 5y median 52.1× FY 2023
Quick Ratio -25.8×
FY 2017: 66.3×FY 2018: 50.5×FY 2019: 31.9×FY 2020: 104×FY 2021: 162×FY 2022: 87.6×FY 2023: -25.8×
FY 2017 5y median 87.6× FY 2023
Debt / Equity 0.4×
FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.4×
FY 2017 5y median 0.2× FY 2023
Net Debt / EBITDA -27.6×
FY 2017: 1.2×FY 2018: 0.5×FY 2019: 0.7×FY 2020: 0.2×FY 2021: -0.2×FY 2022: -1.9×FY 2023: -27.6×
FY 2017 5y median -0.2× FY 2023
Interest Coverage 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: -5.4×FY 2023: 0.0×
FY 2017 5y median 0.0× FY 2023

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 49.6%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2017 5y median 0.0% FY 2023
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: -480.8%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2017 5y median 0.0% FY 2023

Annual · latest fiscal year ends 2023-12-31