Fidelis Insurance Holdings Limited (FIHL) fair value: what the stock is really worth
As of Jul 10, 2026: fair value of Fidelis Insurance Holdings Limited $25.48, price $25.07, upside +1.6%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
36‑month range $10.98 – $25.56 · fair‑value band $20.73 – $33.36 · the $25.07 price screens below the $25.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Fidelis Insurance Holdings Limited provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in two segments: Insurance and Reinsurance.
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Fidelis Insurance Holdings Limited provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in two segments: Insurance and Reinsurance. The Insurance segment offers property, marine, asset backed finance and portfolio credit, aviation and aerospace, political risk, violence and terror, energy, cyber, and other insurance risks products. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.
Stock analysis
Fidelis Insurance Holdings Limited (FIHL) currently trades at $25.07, while our model-based Fair Value estimate is $25.48, so the stock looks roughly fairly valued today (gap 1.6%).
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Valuation
Bull case: the Multiples group reads highest at a median of $33.96 per share, and 2 of the 6 models we run sit above the $25.07 price.
Bear case: the Dividend Discount group reads lowest at $7.75, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $20.73 (bear) to $33.36 (bull), the price of $25.07 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Fidelis Insurance Holdings Limited reported revenue of $2.5B in FY2025 versus $1.2B in FY2021, a compound +20.3%/yr. Reported net income was $226M in FY2025, compounding +34.8%/yr from FY2021.
Key figures
Market cap $2.7B · P/E ratio 11.9 · P/S ratio 1.07 · EPS (TTM) $2.11 · Dividend yield 2.0% · Net margin 9.0% · Return on equity 9.3% · Return on assets (EBIT) 5.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 74% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 2%, FIHL screens cheaper than that median.
Fair Value models
Bear $20.73Fair Value $25.48Bull $33.36
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.22 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.2%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.6%
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’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+44.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+42.2%
Dividend (yield on the price)2.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 11%
2025 sits 116% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Fidelis Insurance Holdings Limited with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 82 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+1.6% · Above median
Profitability
Return on equity (TTM)9.3% · Below median
Return on assets1.7% · Below median
Net margin (TTM)9.0% · Below median
Operating margin (TTM)25.8% · Top 25%
Growth and dividend
Revenue growth−10.8% · Bottom 25%
Dividend yield (TTM)2.0% · Below median
Balance sheet
Debt / equity0.35× · Above median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Is Fidelis Insurance Holdings Limited (FIHL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $25.48 versus the last price from Jul 10, 2026 of $25.07, about +2% upside (fairly valued).
What is the fair value of FIHL?
Our model-based fair value for Fidelis Insurance Holdings Limited is $25.48 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 10, 2026): $25.07.
What is the quality score of FIHL?
Fidelis Insurance Holdings Limited has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fidelis Insurance Holdings Limited (FIHL)?
Our model-based price target is the fair value of $25.48 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $20.73, optimistic scenario $33.36. It is a calculation from audited fundamentals, not an analyst target.
What is the Fidelis Insurance Holdings Limited stock forecast for 2026?
Our models put fair value at $25.48, about +2% upside versus the last price from Jul 10, 2026 of $25.07 (fairly valued). Cautious scenario $20.73, optimistic scenario $33.36. The calculation is refreshed regularly with new filings.
What is the revenue of Fidelis Insurance Holdings Limited (FIHL)?
Fidelis Insurance Holdings Limited reported trailing-twelve-month revenue of about $2.5B (latest available figure, as of Sep 24, 2026).
Does Fidelis Insurance Holdings Limited pay a dividend?
Fidelis Insurance Holdings Limited currently shows a dividend yield of about 1.99% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Fidelis Insurance Holdings Limited (FIHL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fidelis Insurance Holdings Limited it is $25.48 per share (as of Sep 24, 2026), against a price of $25.07. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Fidelis Insurance Holdings Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FIHL trades below its calculated fair value: price $25.07, fair value $25.48, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FIHL?
No. The price is what the market pays today ($25.07); the fair value is what the company's own numbers justify ($25.48). For Fidelis Insurance Holdings Limited the two are $0.4100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fidelis Insurance Holdings Limited worth?
The market values Fidelis Insurance Holdings Limited at about $2.7B (market capitalisation, as of Sep 24, 2026). Per share that is $25.07; our models calculate a fair value of $25.48 per share.
What do the bullish and bearish scenarios say about FIHL?
Our models span a range for Fidelis Insurance Holdings Limited: cautious scenario $20.73, base $25.48, optimistic $33.36 per share (as of Sep 24, 2026, price $25.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIHL?
Fidelis Insurance Holdings Limited trades at a price-to-earnings ratio of 11.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $25.48 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 13.1 (reported for FY2025: 11.2). Other multiples: P/B 1.1, P/S 1.1, EV/EBITDA 13.5.
How solid is the balance sheet of Fidelis Insurance Holdings Limited (FIHL)?
Balance-sheet figures for Fidelis Insurance Holdings Limited (as of Sep 24, 2026): return on equity 9.3%, debt of 0.35 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is FIHL from its 52-week high?
Fidelis Insurance Holdings Limited trades at $25.07, about 2% below its 52-week high of $25.56 and 74% above the low of $14.41 (as of Jul 10, 2026). Distance from the high says nothing about value: that is what the fair value of $25.48 is for.
Which stocks are comparable to Fidelis Insurance Holdings Limited?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fidelis Insurance Holdings Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $25.07, calculated fair value $25.48 (+2%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FIHL calculated?
We run Fidelis Insurance Holdings Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $25.48, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Fidelis Insurance Holdings Limited currently trades 2 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fidelis Insurance Holdings Limited (FIHL)?
The latest price we hold is from Jul 10, 2026 and stands at $25.07. Our model-based fair value is $25.48, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fidelis Insurance Holdings Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Fidelis Insurance Holdings Limited
How large is the market capitalisation of Fidelis Insurance Holdings Limited (FIHL)?
The market capitalisation of Fidelis Insurance Holdings Limited is $2.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fidelis Insurance Holdings Limited (FIHL)?
The price-to-sales ratio of Fidelis Insurance Holdings Limited is 1.07 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fidelis Insurance Holdings Limited (FIHL)?
Earnings per share at Fidelis Insurance Holdings Limited are $2.11 (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fidelis Insurance Holdings Limited (FIHL)?
The dividend yield of Fidelis Insurance Holdings Limited is 2.0% (payout 27.5%, on adjusted earnings, reported 23.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Fidelis Insurance Holdings Limited (FIHL)?
The net margin of Fidelis Insurance Holdings Limited is 9.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fidelis Insurance Holdings Limited (FIHL)?
The return on equity (ROE) of Fidelis Insurance Holdings Limited is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fidelis Insurance Holdings Limited (FIHL)?
On an EBIT basis the return on assets of Fidelis Insurance Holdings Limited is 5.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fidelis Insurance Holdings Limited (FIHL)?
The operating margin of Fidelis Insurance Holdings Limited is 25.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fidelis Insurance Holdings Limited (FIHL)?
Revenue at Fidelis Insurance Holdings Limited is growing −10.8% versus a year earlier (3y avg +18.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fidelis Insurance Holdings Limited (FIHL)?
Earnings per share at Fidelis Insurance Holdings Limited are growing +41.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fidelis Insurance Holdings Limited (FIHL) generate?
The free cash flow of Fidelis Insurance Holdings Limited is −$410M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Fidelis Insurance Holdings Limited (FIHL) hold?
Fidelis Insurance Holdings Limited holds more cash than debt, $404M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026