Provides property and casualty insurance against losses from fire, earthquake, windstorm, flood, and construction defects. Now — the numbers.
This is an established company with proven profits.
No real growth (4% a year).
The market pays 6.9× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
The stock trades 15% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 3 buys and 1 sell. Management buying with its own money is usually read as a good sign.
It pays out $15.00 per share each year — regular cash for whoever holds the stock.
Getting in and out without moving the price could prove difficult.
Against everything we grade, FRFHF lands somewhere in the middle. The grade moves as the numbers move.
The takeaway: FRFHF is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: the revenue breakdown.