SUNL Stock Overview
Sunlight Financial Holdings Inc. operates a business-to-business-to-consumer technology-enabled point-of-sale financing platform in the United States.
No risks detected for SUNL from our risk checks.
Sunlight Financial Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$3.23|
|52 Week High||US$10.01|
|52 Week Low||US$2.41|
|1 Month Change||-24.53%|
|3 Month Change||-34.75%|
|1 Year Change||-67.60%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-70.93%|
Recent News & Updates
|SUNL||US Consumer Finance||US Market|
Return vs Industry: SUNL underperformed the US Consumer Finance industry which returned -32.1% over the past year.
Return vs Market: SUNL underperformed the US Market which returned -20.5% over the past year.
|SUNL Average Weekly Movement||11.6%|
|Consumer Finance Industry Average Movement||9.0%|
|Market Average Movement||8.0%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.1%|
Stable Share Price: SUNL is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: SUNL's weekly volatility (12%) has been stable over the past year.
About the Company
Sunlight Financial Holdings Inc. operates a business-to-business-to-consumer technology-enabled point-of-sale financing platform in the United States. Its platform is used to provide secured and unsecured loans for homeowners originated by third-party lenders to purchase and install residential solar energy systems, and other home improvements. The company was founded in 2014 and is based in Charlotte, North Carolina.
Sunlight Financial Holdings Fundamentals Summary
|SUNL fundamental statistics|
Is SUNL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SUNL income statement (TTM)|
|Cost of Revenue||US$20.80m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-3.11|
|Net Profit Margin||-222.96%|
How did SUNL perform over the long term?See historical performance and comparison
Is SUNL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SUNL?
Other financial metrics that can be useful for relative valuation.
|What is SUNL's n/a Ratio?|
Price to Book Ratio vs Peers
How does SUNL's PB Ratio compare to its peers?
|SUNL PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
Price-To-Book vs Peers: SUNL is good value based on its Price-To-Book Ratio (0.5x) compared to the peer average (1.1x).
Price to Earnings Ratio vs Industry
How does SUNL's PE Ratio compare vs other companies in the U.S. Consumer Finance Industry?
Price-To-Book vs Industry: SUNL is good value based on its Price-To-Book Ratio (0.5x) compared to the US Consumer Finance industry average (1.1x)
Price to Book Ratio vs Fair Ratio
What is SUNL's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||0.5x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate SUNL's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SUNL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SUNL ($3.23) is trading below our estimate of fair value ($18.53)
Significantly Below Fair Value: SUNL is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SUNL's PEG Ratio to determine if it is good value.
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How is Sunlight Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SUNL is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: SUNL is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: SUNL is expected to become profitable in the next 3 years.
Revenue vs Market: SUNL's revenue (18% per year) is forecast to grow faster than the US market (8.3% per year).
High Growth Revenue: SUNL's revenue (18% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SUNL's Return on Equity is forecast to be low in 3 years time (4.5%).
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How has Sunlight Financial Holdings performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: SUNL is currently unprofitable.
Growing Profit Margin: SUNL is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if SUNL's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare SUNL's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: SUNL is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (17.4%).
Return on Equity
High ROE: SUNL has a negative Return on Equity (-31.02%), as it is currently unprofitable.
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How is Sunlight Financial Holdings's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: SUNL's short term assets ($163.3M) exceed its short term liabilities ($54.1M).
Long Term Liabilities: SUNL's short term assets ($163.3M) exceed its long term liabilities ($66.4M).
Debt to Equity History and Analysis
Debt Level: SUNL has more cash than its total debt.
Reducing Debt: Insufficient data to determine if SUNL's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: SUNL has sufficient cash runway for more than a year based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if SUNL has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
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What is Sunlight Financial Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SUNL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SUNL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if SUNL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SUNL's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as SUNL has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Matt Potere (46 yo)
Mr. Matthew R. Potere, also Known as Matt, has been Chief Executive Officer and Director of Sunlight Financial Holdings Inc. since September 22, 2015. Prior to Sunlight, Mr. Potere served as a Senior Vice...
CEO Compensation Analysis
Compensation vs Market: Matt's total compensation ($USD5.16M) is above average for companies of similar size in the US market ($USD2.71M).
Compensation vs Earnings: Matt's compensation has increased whilst the company is unprofitable.
Experienced Management: SUNL's management team is seasoned and experienced (5.4 years average tenure).
Experienced Board: SUNL's board of directors are not considered experienced ( 1.4 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.
Sunlight Financial Holdings Inc.'s employee growth, exchange listings and data sources
- Name: Sunlight Financial Holdings Inc.
- Ticker: SUNL
- Exchange: NYSE
- Founded: 2014
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$434.256m
- Market Cap: US$273.859m
- Shares outstanding: 132.38m
- Website: https://www.sunlightfinancial.com
Number of Employees
- Sunlight Financial Holdings Inc.
- 101 North Tryon Street
- Suite 1000
- North Carolina
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.