Till Capital (TIL) AI Stock Analysis

• Market Cap: $5.36M
• Dividend Yield: N/A
• Average Volume (3M): 236.00
• Price to Earnings (P/E): ―
• Beta (1Y): -0.54
• Revenue Growth: N/A
• EPS Growth: 2.79%
• Country: CA
• Employees: 15
• Sector: Financial
• Sector Strength: 86
• Industry: Insurance - Reinsurance
• EPS (TTM): N/A
• Shares Outstanding: 3,191,462
• 10 Day Avg. Volume: 680
• 30 Day Avg. Volume: 236
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: -2.10
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Till Capital's overall stock score of 41 reflects significant financial challenges, including continuous losses and declining revenues. Technical analysis points to weak momentum, and valuation metrics highlight profitability concerns. The lack of earnings call data and corporate events limits any potential positive reassessment.

Till Capital Business Overview & Revenue Model

Company Description

Till Capital (TIL) is a holding company that operates in the reinsurance and insurance sectors. The company primarily engages in providing reinsurance services, focusing on supporting partners within the insurance industry through risk management and capital solutions. Till Capital aims to optimize its financial performance by investing in a diversified portfolio of assets.

How the Company Makes Money

Till Capital makes money through its reinsurance operations, where it provides insurance to insurance companies, effectively underwriting the risk on their behalf. The company earns premiums from these reinsurance contracts and invests the premium proceeds into various asset classes to generate additional income. This investment income, along with the reinsurance premiums, forms the core of Till Capital's revenue streams. Significant partnerships with insurance companies seeking to mitigate risk exposure and optimize capital usage are critical to its earnings. The company's performance is also influenced by its investment strategies and the financial markets' overall conditions.

Till Capital Financial Statement Overview

Summary

Till Capital's financial health is concerning with continuous losses and declining revenue. Significant issues are present across income, balance sheet, and cash flow statements. The absence of debt is a positive factor but is overshadowed by operational inefficiencies and declining equity.

Income Statement

Till Capital has faced significant challenges with negative revenue and declining profitability. The company's net profit margin is negative due to consistent net losses over the years. Additionally, revenue has shown a concerning downward trend, with a substantial drop from 2021 to 2023. The EBIT margin is also negative, indicating operational inefficiencies.

Balance Sheet

The balance sheet shows a moderate position with no total debt, which is a positive aspect. However, the equity has decreased over the years, reflecting financial instability. The equity ratio remains strong due to low liabilities, but the overall decline in assets and equity raises concerns about long-term sustainability.

Cash Flow

Till Capital's cash flow situation is weak, with negative operating and free cash flows in recent years. The free cash flow growth rate is negative, indicating a decline in cash generation capabilities. The operating cash flow to net income ratio is also unfavorable, suggesting difficulties in converting income into cash.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
-3.09M	-1.73M	6.76M	-453.64K	115.76K
	Gross Profit
-3.09M	-1.73M	6.76M	-453.64K	115.76K
	EBIT
-4.57M	-3.15M	5.98M	-1.68M	-498.22K
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
-2.18M	-4.21M	4.81M	-1.56M	-562.96K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
12.78M	4.17M	11.53M	1.79M	4.90M
	Total Assets
16.44M	64.86M	70.89M	62.12M	62.87M
	Total Debt
0.00	505.00K	1.21M	0.00	0.00
	Net Debt
-11.29M	-162.87K	600.59K	-1.79M	-4.90M
	Total Liabilities
108.49K	549.40K	45.57M	132.86K	161.42K
	Stockholders Equity
15.32M	17.63M	25.17M	19.41M	20.57M
Cash Flow		Free Cash Flow
-1.41M	273.04K	-1.26M	1.42M	-2.27M
	Operating Cash Flow
-1.34M	427.25K	-1.12M	1.56M	-2.12M
	Investing Cash Flow
12.65M	-469.97K	-1.39M	-5.49M	-1.35M
	Financing Cash Flow
-543.47K	-858.99K	1.10M	-67.55K	-16.99K

Till Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:TIL, the sentiment is Positive. The current price of 1.81 is above the 20-day moving average (MA) of 1.13, above the 50-day MA of 1.06, and above the 200-day MA of 1.25, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 96.98 is Negative, neither overbought nor oversold. The STOCH value of 99.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:TIL.

Till Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FVI	73 Outperform	$2.64B	15.14	12.07%	―	30.33%	―
Sector *	64 Neutral	$12.54B	9.79	7.92%	16985.69%	12.58%	-6.07%
UUUU	59 Neutral	$990.40M	―	-16.11%	―	59.09%	-551.15%
NXE	53 Neutral	$4.23B	27.25	-7.77%	―	―	-197.27%
TIL	41 Neutral	$5.36M	―	-17.60%	―	―	2.79%
MMG	41 Neutral	C$52.78M	―	-55.36%	―	―	41.78%
UCU	37 Underperform	C$126.65M	―	-29.70%	―	―	-112.17%

Till Capital Corporate Events

Till Capital Addresses Tax Reporting Error on Capital Distribution

Till Capital Corporation has alerted its shareholders about an incorrect reporting of its April 2024 Return of Capital Distribution by several US brokerage firms. The distribution was mistakenly reported as Qualified Dividends instead of Non-Dividend Distributions, prompting shareholders to seek corrected tax forms. This announcement highlights the company’s proactive approach in addressing reporting errors, which could impact shareholder tax obligations and reflects its commitment to accurate financial communication.