Sunlight Financial Holdings Inc
NYSE:SUNL
Intrinsic Value
Sunlight Financial Holdings, Inc. is a technology-enabled point-of-sale finance company. [ Read More ]
The intrinsic value of one
SUNL
stock under the Base Case scenario is
0.7593
USD.
Compared to the current market price of 0.0121 USD,
Sunlight Financial Holdings Inc
is
Undervalued by 98%.
Sunlight Financial Holdings Inc's market capitalization is 1.6m USD.
SUNL stock price is 0.0121 USD.
SUNL stock price (0.0121 USD) is 98% less than its Intrinsic Value (0.7593 USD).
SUNL. Open DCF Valuation
SUNL stock price (0.0121 USD) is 98% less than its Relative Value (0.7593 USD). Open Relative Valuation
SUNL.
SUNL has positive Free Cash Flow for the last twelve months.
SUNL's long-term assets (435m USD) exceed its long-term liabilties (262m USD).
SUNL's Revenue has dropped by 74% over the past 12 months.
SUNL has negative Net Debt. This means that the company has more cash and short-term investments (80m USD) than debt (52m USD).
SUNL has negative Operating Income for the last twelve months.
SUNL has negative Net Income for the last twelve months.
SUNL's ROE (Return on Equity) for the past 12 months is negative and is equal to -106%.
SUNL's ROIC (Return on Invested Capital) for the past 12 months is negative and is equal to -99%.
SUNL has negative Gross Profit for the last twelve months.
SUNL's D/E (Debt to Equity) is very low and is equal to 0.3.
SUNL's short-term assets (80m USD) exceed its short-term liabilties (22m USD).
SUNL has negative three-year average ROE (Return on Equity): -55%. The company is not efficient at transforming stockholders' equity into net income.
SUNL has negative three-year average ROIC (Return on Invested Capital): -31%. The company is not efficient at using invested capital to generate operating income.
SUNL's Altman Z-Score is very low and is equal to -4.96.
SUNL doesn't generate enough operating income (-641m USD) to safely cover interest payments on its debt (1m USD).
Fundamental Analysis
Sunlight Financial Holdings Inc
Balance Sheet Decomposition
Sunlight Financial Holdings Inc
| Current Assets | 80.1m |
| Cash & Short-Term Investments | 80.1m |
| Non-Current Assets | 354.6m |
| PP&E | 8.9m |
| Intangibles | 304.6m |
| Other Non-Current Assets | 41.2m |
| Current Liabilities | 22.1m |
| Accounts Payable | 14.5m |
| Accrued Liabilities | 7.6m |
| Non-Current Liabilities | 239.9m |
| Long-Term Debt | 52.3m |
| Other Non-Current Liabilities | 187.6m |
Earnings Waterfall
Sunlight Financial Holdings Inc
|
Revenue
|
31.5m
USD
|
|
Cost of Revenue
|
-39.2m
USD
|
|
Gross Profit
|
-7.7m
USD
|
|
Operating Expenses
|
-633.3m
USD
|
|
Operating Income
|
-641m
USD
|
|
Other Expenses
|
257.4m
USD
|
|
Net Income
|
-383.6m
USD
|
Free Cash Flow Analysis
Sunlight Financial Holdings Inc
What is Free Cash Flow?
SUNL Profitability Score
Profitability Due Diligence
Sunlight Financial Holdings Inc's profitability score is 28/100. The higher the profitability score, the more profitable the company is.
Score
Sunlight Financial Holdings Inc's profitability score is 28/100. The higher the profitability score, the more profitable the company is.
SUNL Solvency Score
Solvency Due Diligence
Sunlight Financial Holdings Inc's solvency score is 43/100. The higher the solvency score, the more solvent the company is.
Score
Sunlight Financial Holdings Inc's solvency score is 43/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
SUNL Price Targets Summary
Sunlight Financial Holdings Inc
Ownership
SUNL Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
|
|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
|
| 12 Months |
|
|
|
Shareholder Return
SUNL Price
Sunlight Financial Holdings Inc
| Average Annual Return | -57.43% |
| Standard Deviation of Annual Returns |
N/A
|
| Max Drawdown | -100% |
| Market Capitalization | 1.6m USD |
| Shares Outstanding | 132 390 000 |
| Percentage of Shares Shorted | 5.45% |
Company Profile
Sunlight Financial Holdings Inc
Country
Industry
Market Cap
Dividend Yield
Description
Sunlight Financial Holdings, Inc. is a technology-enabled point-of-sale finance company. The company is headquartered in Charlotte, North Carolina and currently employs 214 full-time employees. The company went IPO on 2020-11-30. The firm provides residential solar and home improvement contractors the ability to offer POS financing to their customers when purchasing residential solar systems or other home improvements. The firm facilitates solar loan products structured to support the financing of residential solar systems, as well as to meet other homeowner demands, such as loans to finance the acquisition of a solar battery to be retrofit to an existing homeowner solar system; provide financing for a residential solar system plus a new roof in the same loan as is often required to support the addition of the solar panels; finance solar in addition to other forms of home improvement projects, and finance solar roof products (solar roof tiles). The Company’s loans are facilitated by its technology platform, Orange.
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