A Business at a Glance
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HG Holdings, Inc. (together with its consolidated subsidiaries, the “Company,” “we,” “us,” “our,” “it,” and “its”) operates through its wholly owned subsidiaries, National Consumer Title Insurance Company (“NCTIC”), National Consumer Title Group, LLC (“NCTG”), Title Agency Ventures, LLC (“TAV”), HG Managing Agency, LLC (“HGMA”), Omega National Title Agency, LLC (“ONTA” or “Omega”), Omega National Title of Florida, LLC (“ONF”) and Omega National Title of Pensacola, LLC (“ONP”), and through an affiliated investment in HC Government Realty Trust, Inc., a Maryland corporation (“HC Realty”). The Company engages in the business of providing title insurance through its subsidiary, NCTIC, and providing title agency services through its subsidiaries, NCTG, TAV, ONTA, ONF and ONP. Through NCTIC, the Company underwrites land title insurance for owners and mortgagees as the primary insurer. The Company mainly provides title insurance services in the state of Florida.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 14M | 12M | 11M | 14M | 2.4M | 0 |
| Net Income | 1.7M | -239K | -822K | 3.7M | 2.8M | 63K |
| EPS | $0.47 | $-0.08 | $-0.29 | $1.31 | $0.96 | $0.00 |
| Free Cash Flow | 0 | 2.0M | 1.6M | 2.6M | -948K | 287K |
| ROIC | 2.9% | 5.5% | -0.4% | 15.7% | 15.6% | - |
| Gross Margin | 95.8% | 94.8% | 94.8% | 97.2% | 86.6% | - |
| Debt/Equity | 0.00 | 0.32 | 0.29 | 0.23 | 0.31 | - |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 1.2M | 1.2M | -82K | 3.8M | 3.2M | - |
| Operating Margin | 8.7% | 10.0% | -0.7% | 26.0% | 131.5% | - |
| ROE | 4.0% | -0.7% | -2.5% | 11.2% | 9.3% | - |
| Shares Outstanding | 5M | 3M | 3M | 3M | 3M | 3M |
| Metric | 2015 | 2016 | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | N/A | N/A | 0 | 2.4M | 14M | 11M | 12M | 14M |
| Gross Margin | N/A | N/A | N/A | 86.6% | 97.2% | 94.8% | 94.8% | 95.8% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 1.0M | -5.6M | N/A | 3.2M | 3.8M | -82K | 1.2M | 1.2M |
| Op. Margin | N/A | N/A | N/A | 131.5% | 26.0% | -0.7% | 10.0% | 8.7% |
| Net Income | 5.3M | -5.3M | 63K | 2.8M | 3.7M | -822K | -239K | 1.7M |
| Net Margin | N/A | N/A | N/A | 113.3% | 25.8% | -7.4% | -2.1% | 12.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 123K | 0 | 0 | 0 |
| Returns on Capital | ||||||||
| ROIC | 11.2% | -26.3% | N/A | 15.6% | 15.7% | -0.4% | 5.5% | 2.9% |
| ROE | 11.2% | -15.5% | N/A | 9.3% | 11.2% | -2.5% | -0.7% | 4.0% |
| ROA | 8.5% | -10.6% | 0.2% | 7.1% | 9.1% | -2.0% | -0.6% | 3.1% |
| Cash Flow | ||||||||
| Op. Cash Flow | 4.6M | -2.6M | 290K | -935K | 2.7M | 1.7M | 2.0M | 171K |
| Free Cash Flow | 4.6M | -2.6M | 287K | -948K | 2.6M | 1.6M | 2.0M | 0 |
| Owner Earnings | 3.6M | -3.1M | 287K | -1.0M | 2.6M | 1.6M | 1.9M | 112K |
| CapEx | 0 | 0 | 3K | 13K | 67K | 51K | 0 | 0 |
| Maint. CapEx | 185K | 181K | 3K | 30K | 86K | 87K | 59K | 59K |
| Growth CapEx | N/A | N/A | 0 | 0 | 0 | 0 | N/A | 0 |
| D&A | 185K | 181K | 3K | 30K | 86K | 87K | 59K | 59K |
| CapEx/OCF | N/A | N/A | 1.0% | N/A | 2.5% | 3.0% | N/A | 0.0% |
| Capital Allocation | ||||||||
| Dividends Paid | 0 | 21M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | 113.8% | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 1.0M | 0 | 0 | 21K | 62K | 243K | 243K |
| Buyback Yield | N/A | 7.4% | N/A | N/A | 0.1% | 0.4% | 1.7% | 1.1% |
| Stock-Based Comp | 824K | 338K | N/A | 84K | 41K | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -10M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.33 | 0.83 | N/A | 0.31 | 0.23 | 0.29 | 0.32 | 0.00 |
| Interest Coverage | 1.0 | -29.2 | N/A | 5.9 | N/A | N/A | N/A | N/A |
| Equity | 48M | 20M | N/A | 30M | 33M | 32M | 32M | 42M |
| Total Assets | 63M | 37M | 27M | 39M | 41M | 42M | 42M | 55M |
| Total Liabilities | 15M | 17M | N/A | 9.3M | 7.7M | 9.5M | 10M | 13M |
| Intangibles | N/A | N/A | N/A | 4.5M | 6.8M | 6.8M | 6.7M | 6.7M |
| Retained Earnings | 32M | 5.1M | -3.7M | -942K | 2.8M | 1.9M | 1.4M | 1.4M |
| Working Capital | 28M | 24M | 12M | 12M | 132K | -127K | -208K | -208K |
| Current Assets | 36M | 32M | 13M | 21M | 301K | 223K | 288K | 288K |
| Current Liabilities | 7.6M | 8.4M | 63K | 8.8M | 169K | 350K | 496K | 496K |
| Per Share Data | ||||||||
| EPS | 4.44 | -4.44 | 0.00 | 0.96 | 1.31 | -0.29 | -0.08 | 0.47 |
| Owner EPS | 2.98 | -2.63 | 0.10 | -0.36 | 0.90 | 0.56 | 0.64 | 0.02 |
| Book Value | 39.62 | 16.87 | N/A | 10.28 | 11.67 | 11.44 | 10.70 | 8.15 |
| Cash Flow/Share | 3.82 | -2.19 | 0.10 | -0.33 | 0.95 | 0.59 | 0.66 | 0.33 |
| Dividends/Share | N/A | 18.00 | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 1.2M | 1.2M | 2.9M | 2.9M | 2.9M | 2.8M | 3.0M | 5.2M |
| Valuation | ||||||||
| P/E Ratio | 4.0 | N/A | N/A | 12.0 | 6.0 | N/A | N/A | 8.7 |
| P/FCF | 4.6 | N/A | 68.5 | N/A | 8.5 | 10.8 | 7.2 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9.4 |
| Price/Book | 0.4 | 0.7 | N/A | 1.1 | 0.7 | 0.5 | 0.4 | 0.5 |
| Price/Sales | N/A | N/A | N/A | 10.5 | 1.7 | 1.8 | 1.5 | 1.6 |
| FCF Yield | 21.5% | -19.0% | 1.5% | -2.9% | 11.7% | 9.2% | 13.8% | N/A |
| Market Cap | 21M | 14M | 20M | 33M | 23M | 18M | 14M | 21M |
| Avg. Price | 18.48 | 15.80 | 6.94 | 8.90 | 8.65 | 6.90 | 5.74 | 4.10 |
| Year-End Price | 17.71 | 11.52 | 6.84 | 11.50 | 7.90 | 6.24 | 4.75 | 4.10 |
HG Holdings, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
On a free-cash-flow basis, the stock trades at 6.2x vs a median of 8.5x. The company's 5-year average ROIC is 9.1% with a gross margin of 93.4%. Total shareholder yield (buybacks) is 1.1%. At current prices, the estimated annualized return to fair value is +73.9%.
HG Holdings, Inc. (STLY) has a 5-year average return on invested capital (ROIC) of 9.1%. This is below average and may indicate limited pricing power.
HG Holdings, Inc. (STLY) has a market capitalization of $21M. It is classified as a small-cap stock.
HG Holdings, Inc. (STLY) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 1.14%.
HG Holdings, Inc. (STLY) operates in the Real Estate Investment Trusts industry, within the Real Estate sector.
HG Holdings, Inc. (STLY) reported annual revenue of $12 million in its most recent fiscal year, based on SEC EDGAR filings.
HG Holdings, Inc. (STLY) has a net profit margin of -2.1%. The company is currently unprofitable.
HG Holdings, Inc. (STLY) generated $2 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HG Holdings, Inc. (STLY) has a debt-to-equity ratio of 0.32. This indicates a conservatively financed balance sheet.
HG Holdings, Inc. (STLY) reported earnings per share (EPS) of $-0.08 in its most recent fiscal year.
HG Holdings, Inc. (STLY) has a return on equity (ROE) of -0.7%. A negative ROE may indicate losses or negative equity.
HG Holdings, Inc. (STLY) has a 5-year average gross margin of 93.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 7 years of financial data for HG Holdings, Inc. (STLY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HG Holdings, Inc. (STLY) has a book value per share of $10.70, based on its most recent annual SEC filing.
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