SUNL Stock Price, Sunlight Financial Holdings . Quote, Chart

Market Summary

USD0.01

Market Closed

SUNL Stock Price

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SUNL RSI Chart

SUNL Valuation

Market Cap

45.2K

Price/Earnings (Trailing)

1e-4

Price/Sales (Trailing)

5e-4

EV/EBITDA

0.13

Price/Free Cashflow

10e-4

SUNL Price/Sales (Trailing)

SUNL Profitability

EBT Margin

-711.70%

Return on Equity

-221.97%

Return on Assets

-88.23%

Free Cashflow Yield

101.5K%

SUNL Fundamentals

SUNL Revenue

SUNL Earnings

Earnings (TTM)

-383.6M

Earnings Growth (Yr)

-1.4K%

Earnings Growth (Qtr)

-138.19%

Breaking Down SUNL Revenue

Last 30 days

-93.3%

Last 90 days

-99.4%

Trailing 12 Months

-100.0%

How does SUNL drawdown profile look like?

SUNL Financial Health

SUNL Investor Care

Shares Dilution (1Y)

6.67%

Diluted EPS (TTM)

-93

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	90.7M	0	0	0
2022	116.1M	119.5M	126.2M	98.5M
2021	80.3M	91.1M	101.9M	112.7M
2020	0	0	0	69.6M

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Tracking the Latest Insider Buys and Sells of Sunlight Financial Holdings Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Sep 30, 2023	miller william b	sold (taxes)	-20.25	0.45	-45.00	chief accounting officer
Aug 31, 2023	miller william b	sold (taxes)	-115	2.46	-47.00	chief accounting officer
Aug 04, 2023	yoder rodney	acquired	-	-	490,196	chief financial officer
Jul 31, 2023	miller william b	sold (taxes)	-489	0.52	-941	chief accounting officer
Jul 09, 2023	miller william b	sold (taxes)	-1,049	0.32	-3,279	chief accounting officer
Jun 30, 2023	miller william b	sold (taxes)	-251	0.29	-868	chief accounting officer
May 31, 2023	miller william b	sold (taxes)	-311	0.39	-798	chief accounting officer
Apr 30, 2023	miller william b	sold (taxes)	-347	0.45	-772	chief accounting officer
Mar 31, 2023	miller william b	sold (taxes)	-247	0.31	-798	chief accounting officer
Feb 28, 2023	miller william b	sold (taxes)	-1,040	1.31	-794	chief accounting officer

Which funds bought or sold SUNL recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Mar 04, 2024	TUCKER ASSET MANAGEMENT LLC	unchanged	-	-1.00	-	-%
Feb 20, 2024	Quarry LP	sold off	-100	-88,672	-	-%
Feb 15, 2024	Farther Finance Advisors, LLC	unchanged	-	-5.00	-	-%
Feb 14, 2024	ECP ControlCo, LLC	sold off	-100	-93,496	-	-%
Feb 01, 2024	Arena Capital Advisors, LLC- CA	sold off	-100	-4,476	-	-%
Feb 01, 2024	Arena Capital Advisors, LLC- CA	sold off	-100	-3,279	-	-%
Jan 31, 2024	Archer Investment Corp	unchanged	-	-54.00	2.00	-%
Nov 14, 2023	Castle Creek Arbitrage, LLC	sold off	-100	-17,978	-	-%
Aug 14, 2023	DIFESA CAPITAL MANAGEMENT, LP	sold off	-100	-16,431	-	-%
May 15, 2023	DAVIDSON KEMPNER PARTNERS	new	-	12,862	12,862	-%

Are Funds Buying or Selling SUNL?

Are funds buying SUNL calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own SUNL

No. of Funds

Unveiling Sunlight Financial Holdings Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Dec 08, 2023	alliancebernstein l.p.	5.2%	223,438	SC 13G/A
Sep 11, 2023	alliancebernstein l.p.	0.0%	0	SC 13G/A
Sep 11, 2023	alliancebernstein l.p.	12.6%	539,849	SC 13G
May 10, 2023	alliancebernstein l.p.	10.6%	8,656,396	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	8.6%	7,051,921	SC 13G
Feb 10, 2023	ecp controlco, llc	5.1%	4,155,380	SC 13G
Feb 08, 2023	invesco ltd.	0.0%	14,051	SC 13G/A
Feb 14, 2022	invesco ltd.	6.6%	5,599,061	SC 13G
Feb 14, 2022	aristeia capital llc	0%	0	SC 13G/A
Feb 14, 2022	citadel advisors llc	0.2%	6	SC 13G/A

Peers (Alternatives to Sunlight Financial Holdings Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	436.4B	25.1B	-3.94%	23.48%	38.98	17.39	12.87%	12.74%
AXP	166.1B	62.0B	5.73%	48.77%	18.47	2.68	11.96%	24.39%
PYPL	69.5B	29.8B	-0.52%	-13.27%	16.37	2.33	8.19%	75.53%
COF	56.6B	41.9B	4.77%	53.52%	11.47	1.35	34.26%	32.87%
DFS	32.3B	17.8B	2.85%	23.78%	10.94	1.81	38.72%	-32.51%
ALLY	12.1B	14.0B	1.09%	52.13%	11.85	0.87	31.42%	-40.49%
MID-CAP
CACC	6.4B	1.9B	-5.75%	5.72%	22.46	3.38	3.79%	-46.60%
FCFS	6.0B	3.2B	9.05%	37.25%	27.16	1.89	15.50%	-13.49%
WU	4.7B	4.4B	-2.33%	23.16%	7.43	1.07	-2.65%	-31.25%
NNI	3.6B	1.1B	4.38%	0.14%	38.81	3.2	8.54%	-77.53%
SMALL-CAP
ENVA	1.8B	2.1B	5.46%	32.39%	10.23	0.85	21.98%	-15.57%
ATLC	359.1M	1.2B	-19.43%	-15.00%	3.49	0.31	10.41%	-24.15%
CPSS	186.8M	352.0M	12.37%	-11.23%	4.12	0.53	6.77%	-47.27%
AIHS	8.6M	7.3M	-10.00%	-11.33%	-2.23	1.18	-51.06%	-195.09%
CURO	3.7M	853.2M	-40.00%	-95.05%	-0.01	0	-15.13%	-1364.54%

Sunlight Financial Holdings Inc. News

Latest updates

Sunlight Financial Holdings Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

Income Statement (Quarterly)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Revenue	-100.0%	-	20,465,000	7,420,000	33,265,000	29,590,000	28,231,000	35,154,000	26,520,000	26,203,000	24,787,000	21,017,000	17,247,000
Costs and Expenses	-17.9%	47,297,000	57,629,000	108,818,000	458,768,000	40,177,000	49,839,000	271,433,000	63,250,000	17,406,000	17,635,000	15,393,000	13,447,000
S&GA Expenses	-26.8%	9,147,000	12,500,000	9,356,500	4,504,000	4,531,000	6,472,000	4,089,000	3,330,000	1,204,000	1,916,000	688,009	904,000
EBITDA Margin	-16.5%	-6.70	-5.75	-5.06	-4.78	-1.63	-1.74	-1.74	-0.12	-0.02	0.19	0.21	-
Interest Expenses	570.2%	2,540,000	379,000	473,000	375,000	296,000	260,000	263,000	291,000	317,000	255,000	237,000	264,000
Income Taxes	-100.0%	-	17,000	-25,546,500	-7,299,000	-1,650,000	-2,400,000	2,180,000	-5,684,000	-	-	-	-
Earnings Before Taxes	-139.0%	-83,144,000	-34,792,000	-105,107,000	-422,752,000	4,009,000	-25,007,000	-224,473,000	-26,115,000	5,243,000	2,660,000	-17,831,314	4,072,000
EBT Margin	-15.6%	-7.12	-6.16	-5.57	-5.29	-2.27	-2.33	-2.15	-0.35	-0.06	0.13	0.15	-
Net Income	-138.2%	-54,657,000	-22,947,000	-41,929,000	-264,064,000	4,116,000	-13,974,000	-148,233,000	-11,323,000	5,243,000	2,660,000	-17,831,314	4,072,000
Net Income Margin	-18.1%	-4.23	-3.58	-3.21	-3.34	-1.42	-1.45	-1.35	-0.21	-0.06	-0.15	0.15	-
Free Cashflow	-72.9%	11,631,000	42,936,000	-18,905,000	10,210,000	2,510,000	-21,775,000	26,791,000	-48,792,000	3,499,000	9,791,000	-2,705,317	-3,049,000

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet												(In Millions)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2019Q4
Assets	-3.5%	435	450	452	554	971	979	1,002	1,233	347	347	106	82.00
Cash Equivalents	6.1%	80.00	76.00	48.00	71.00	70.00	72.00	94.00	75.00	217	55.00	53.00	52.00
Net PPE	-7.7%	1.00	1.00	1.00	2.00	2.00	2.00	4.00	1.00	6.00	-	1.00	6.00
Goodwill	-	-	-	-	61.00	446	446	446	670	670	-	-	-
Liabilities	54.5%	176	114	84.00	109	108	120	123	131	71.00	70.00	63.00	43.00
Shareholder's Equity	-48.7%	173	337	245	284	864	858	879	1,102	1,121	5.00	5.00	-
Retained Earnings	-10.4%	-578	-524	-501	-459	-195	-199	-186	-37.79	-34.67	-33.06	-623	-90.72
Additional Paid-In Capital	0.6%	752	747	762	759	765	766	764	725	40.00	38.00	23.00	-
Shares Outstanding	6.2%	5.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	-	-	-	-
Minority Interest	-24.3%	86.00	114	124	160	310	308	316	430	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)														(In Thousands)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2019Q4
Cashflow From Operations	-72.3%	12,190	43,961	-18,502	10,863	3,130	-21,130	29,356	-47,921	3,856	10,500	-1,958	-2,130	-	-
Share Based Compensation	-23.6%	2,715	3,555	3,708	5,491	4,792	3,860	4,825	24,821	7.00	11.00	-	-	-	-
Cashflow From Investing	-179.7%	-8,249	-2,949	-1,490	-1,079	-1,331	-786	-2,668	-305,344	-272	-1,132	-345,000	-1,214	-	-
Cashflow From Financing	119.8%	2,565	-12,931	-18.00	-8,481	-3,234	-55.00	-7,833	211,791	4,732	-6,757	347,674	3,648	-	-
Dividend Payments	-	-	-	-	-	1,182	-	-	-	765	6,757	-	-	-	-
Buy Backs	-	-	-	-	8,448	2,004	-	-	-	-	-	-	-	-	-

SUNL Income Statement

2023-06-30

UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Revenue	$ (29,627)	$ 29,590	$ (9,162)	$ 57,821
Costs and Expenses
Cost of revenues (exclusive of items shown separately below)	4,786	5,077	8,945	9,809
Affiliate expenses	0	711	14,204	1,253
Compensation and benefits	15,327	14,138	29,473	27,263
Selling, general, and administrative	9,147	4,531	21,585	10,958
Property and technology	1,753	1,984	3,745	3,912
Depreciation and amortization	8,670	9,694	17,191	32,141
Costs and expenses	47,297	40,177	104,926	90,016
Operating loss	(76,924)	(10,587)	(114,088)	(32,195)
Other Income (Expense), Net
Realized gains on contract derivatives, net	100	2,100	200	4,000
Other realized losses, net	(139)	(176)	(267)	(373)
Other income (expense)	554	(783)	82	(617)
Change in affiliate guarantee obligation	(3,551)	(221)	(9,505)	(211)
Other income (expense), net	(6,220)	14,596	(3,848)	11,197
Net Income (Loss) Before Income Taxes	(83,144)	4,009	(117,936)	(20,998)
Income tax benefit (expense)	0	1,650	(17)	4,051
Net Income (Loss)	(83,144)	5,659	(117,953)	(16,947)
Noncontrolling interests in (income) loss of consolidated subsidiaries	28,487	(1,543)	40,349	7,089
Net Income (Loss) Attributable to Class A Shareholders	$ (54,657)	$ 4,116	$ (77,604)	$ (9,858)
Net income (loss) per Class A share
Basic (in dollars per share)	$ (0.57)	$ 0.05	$ (0.86)	$ (0.11)
Diluted (in dollars per share)	$ (0.59)	$ 0.05	$ (0.87)	$ (0.11)
Weighted average number of Class A shares outstanding
Basic (in shares)	95,751,483	84,635,413	90,367,223	84,717,117
Diluted (in shares)	140,724,710	84,668,201	135,340,450	131,433,095
Non-Affiliates
Revenue	$ (29,738)	$ 29,324	$ (9,693)	$ 56,928
Costs and Expenses
Provision for losses	7,652	3,900	9,811	4,638
Other Income (Expense), Net
Interest income	433	5	650	38
Interest expense	(24)	(296)	(403)	(556)
Change in fair value of warrant liabilities	473	13,610	3,839	8,726
Change in fair value of contract derivatives, net	(129)	106	(285)	300
Realized gains on contract derivatives, net	76	79	199	157
Affiliates
Revenue	111	266	531	893
Costs and Expenses
Provision for losses	(38)	142	(28)	42
Other Income (Expense), Net
Interest income	9,947	82	15,702	133
Interest expense	(2,540)	0	(2,540)	0
Change in fair value of warrant liabilities	1,669	0	1,669	0
Change in fair value of contract derivatives, net	(670)	214	(670)	(207)
Realized gains on contract derivatives, net	$ (12,319)	$ 1,976	$ (12,319)	$ 3,807

SUNL Balance Sheet

2023-06-30

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 80,147	$ 47,515
Restricted cash	6,227	4,272
Financing receivables, net of allowance for credit losses	9,485	48,925
Intangible assets, net	304,584	319,920
Property and equipment, net	1,277	1,489
Other assets	33,059	27,204
Total assets	434,779	452,195
Liabilities
Accounts payable and accrued expenses	14,469	12,573
Funding commitments	38,181	20,400
Deferred tax liabilities	837	688
Warrants, at fair value	458	4,297
Affiliate warrants, at fair value	3,033	0
Affiliate contract derivative, at fair value	12,902	0
Affiliate guarantee obligations	15,772	3,847
Total liabilities	175,799	83,868
Commitments and Contingencies (Note 10)
Stockholders' Equity
Preferred stock	0	0
Additional paid-in capital	751,765	761,698
Accumulated deficit	(578,942)	(501,635)
Total capital	172,832	260,071
Treasury stock, at cost; 27,132 and 1,312,155 Class A shares as of June 30, 2023 and December 31, 2022, respectively	(21)	(15,307)
Total stockholders' equity	172,811	244,764
Noncontrolling interests in consolidated subsidiaries	86,169	123,563
Total equity	258,980	368,327
Total liabilities and stockholders' equity	434,779	452,195
Class A Common Stock
Stockholders' Equity
Common stock	9	8
Class C Common Stock
Stockholders' Equity
Common stock	0	0
Advances (net of allowance for credit losses of $1,775 and $6,736)
Assets
Financing receivables, net of allowance for credit losses	6,322	45,393
Financing receivables (net of allowance for credit losses of $7 and $8)
Assets
Financing receivables, net of allowance for credit losses	2,931	3,263
Nonrelated Party
Liabilities
Debt	0	20,613
Other liabilities	10,182	13,348
Nonrelated Party \| Advances (net of allowance for credit losses of $1,775 and $6,736)
Assets
Financing receivables, net of allowance for credit losses	6,322	45,393
Nonrelated Party \| Financing receivables (net of allowance for credit losses of $7 and $8)
Assets
Financing receivables, net of allowance for credit losses	232	270
Related Party
Assets
Due from affiliates	0	2,870
Liabilities
Debt	52,267	0
Other liabilities	27,698	8,102
Related Party \| Financing Receivable, Affiliate
Assets
Financing receivables, net of allowance for credit losses	$ 2,931	$ 3,262

About Sunlight Financial Holdings Inc.

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 serves residential solar contractors. Sunlight Financial Holdings Inc. was founded in 2014 and is based in Charlotte, North Carolina.

CEO	Mr. Matthew R. Potere
WEBSITE	sunlightfinancial.com
INDUSTRY	Credit Services
EMPLOYEES	190

Sunlight Financial Holdings Inc. Frequently Asked Questions

What is the ticker symbol for Sunlight Financial Holdings Inc.? What does SUNL stand for in stocks?

SUNL is the stock ticker symbol of Sunlight Financial Holdings Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Sunlight Financial Holdings Inc. (SUNL)?

As of Thu Dec 14 2023, market cap of Sunlight Financial Holdings Inc. is 45.18 Thousand. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of SUNL stock?

You can check SUNL's fair value in chart for subscribers.

What is the fair value of SUNL stock?

You can check SUNL's fair value in chart for subscribers. The fair value of Sunlight Financial Holdings Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Sunlight Financial Holdings Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for SUNL so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Sunlight Financial Holdings Inc. a good stock to buy?

The fair value guage provides a quick view whether SUNL is over valued or under valued. Whether Sunlight Financial Holdings Inc. is cheap or expensive depends on the assumptions which impact Sunlight Financial Holdings Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for SUNL.

What is Sunlight Financial Holdings Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Dec 14 2023, SUNL's PE ratio (Price to Earnings) is 0 and Price to Sales (PS) ratio is 0. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. SUNL PE ratio will change depending on the future growth rate expectations of investors.