ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AGO - BMG0585R1060 - Common Stock
84.43 USD
-0.54 (-0.64%)
84.43 USD
0 (0%)
AGO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. AGO has a medium profitability rating, but doesn't score so well on its financial health evaluation. AGO is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year AGO was profitable.
- In the past year AGO had a positive cash flow from operations.
- In the past 5 years AGO has always been profitable.
- The reported operating cash flow has been mixed in the past 5 years: AGO reported negative operating cash flow in multiple years.
1.2 Ratios
- The Return On Assets of AGO (3.33%) is better than 67.79% of its industry peers.
- Looking at the Return On Equity, with a value of 7.12%, AGO is doing worse than 68.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.33% | ||
| ROE | 7.12% | ||
| ROIC | N/A |
ROA(3y)3.26%
ROA(5y)2.86%
ROE(3y)7.41%
ROE(5y)6.77%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of AGO (43.95%) is better than 99.33% of its industry peers.
- AGO's Profit Margin has improved in the last couple of years.
- AGO has a Operating Margin of 38.28%. This is amongst the best in the industry. AGO outperforms 97.99% of its industry peers.
- AGO's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.28% | ||
| PM (TTM) | 43.95% | ||
| GM | N/A |
OM growth 3Y-15.59%
OM growth 5Y-3.31%
PM growth 3Y2.55%
PM growth 5Y5.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The number of shares outstanding for AGO has been reduced compared to 1 year ago.
- The number of shares outstanding for AGO has been reduced compared to 5 years ago.
- The debt/assets ratio for AGO is higher compared to a year ago.
2.2 Solvency
- AGO has a debt to FCF ratio of 6.40. This is a slightly negative value and a sign of low solvency as AGO would need 6.40 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 6.40, AGO is doing worse than 67.11% of the companies in the same industry.
- AGO has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
- AGO's Debt to Equity ratio of 0.30 is in line compared to the rest of the industry. AGO outperforms 53.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 6.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- AGO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.60%.
- Measured over the past years, AGO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.76% on average per year.
- The Revenue has been growing slightly by 7.88% in the past year.
- AGO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.16% yearly.
EPS 1Y (TTM)-30.6%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%6.2%
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%-38.29%
3.2 Future
- AGO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.64% yearly.
- AGO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.33% yearly.
EPS Next Y15.06%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
EPS Next 5YN/A
Revenue Next Year1.61%
Revenue Next 2Y-5.59%
Revenue Next 3Y-2.33%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.51, which indicates a very decent valuation of AGO.
- Based on the Price/Earnings ratio, AGO is valued a bit cheaper than the industry average as 61.07% of the companies are valued more expensively.
- AGO is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- AGO is valuated reasonably with a Price/Forward Earnings ratio of 11.69.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AGO is on the same level as its industry peers.
- AGO is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 11.69 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AGO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.7
PEG (5Y)0.82
EPS Next 2Y0.95%
EPS Next 3Y3.64%
5. Dividend
5.1 Amount
- AGO has a Yearly Dividend Yield of 1.59%.
- Compared to an average industry Dividend Yield of 2.53, AGO has a dividend in line with its industry peers.
- AGO's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
5.2 History
- The dividend of AGO is nicely growing with an annual growth rate of 11.15%!
- AGO has been paying a dividend for at least 10 years, so it has a reliable track record.
- AGO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.15%
Div Incr Years13
Div Non Decr Years20
5.3 Sustainability
- 17.12% of the earnings are spent on dividend by AGO. This is a low number and sustainable payout ratio.
- The dividend of AGO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP17.12%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
84.43
-0.54 (-0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners97.25%
Inst Owner Change0.16%
Ins Owners7.12%
Ins Owner Change-1.4%
Market Cap3.89B
Revenue(TTM)917.00M
Net Income(TTM)403.00M
Analysts77.14
Price Target106.08 (25.64%)
Short Float %2.22%
Short Ratio2.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
Yearly Dividend1.27
Dividend Growth(5Y)11.15%
DP17.12%
Div Incr Years13
Div Non Decr Years20
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.08%
Min EPS beat(2)-34.21%
Max EPS beat(2)60.37%
EPS beat(4)2
Avg EPS beat(4)9.09%
Min EPS beat(4)-34.21%
Max EPS beat(4)60.37%
EPS beat(8)6
Avg EPS beat(8)68.16%
EPS beat(12)8
Avg EPS beat(12)55.58%
EPS beat(16)11
Avg EPS beat(16)75.83%
Revenue beat(2)1
Avg Revenue beat(2)17.64%
Min Revenue beat(2)-11.23%
Max Revenue beat(2)46.51%
Revenue beat(4)2
Avg Revenue beat(4)14.12%
Min Revenue beat(4)-20.46%
Max Revenue beat(4)46.51%
Revenue beat(8)4
Avg Revenue beat(8)9.41%
Revenue beat(12)7
Avg Revenue beat(12)9.97%
Revenue beat(16)9
Avg Revenue beat(16)6.22%
PT rev (1m)0%
PT rev (3m)-1.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0%
EPS NY rev (3m)6.27%
Revenue NQ rev (1m)3.52%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)9.53%
Revenue NY rev (3m)9.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 11.69 | ||
| P/S | 4.24 | ||
| P/FCF | 14.63 | ||
| P/OCF | 14.63 | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.03
EY9.51%
EPS(NY)7.22
Fwd EY8.56%
FCF(TTM)5.77
FCFY6.84%
OCF(TTM)5.77
OCFY6.84%
SpS19.9
BVpS122.76
TBVpS122.76
PEG (NY)0.7
PEG (5Y)0.82
Graham Number148.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.33% | ||
| ROE | 7.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 38.28% | ||
| PM (TTM) | 43.95% | ||
| GM | N/A | ||
| FCFM | 29.01% |
ROA(3y)3.26%
ROA(5y)2.86%
ROE(3y)7.41%
ROE(5y)6.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.3%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-15.59%
OM growth 5Y-3.31%
PM growth 3Y2.55%
PM growth 5Y5.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 6.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.13 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-30.6%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%6.2%
EPS Next Y15.06%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
EPS Next 5YN/A
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%-38.29%
Revenue Next Year1.61%
Revenue Next 2Y-5.59%
Revenue Next 3Y-2.33%
Revenue Next 5YN/A
EBIT growth 1Y-30.91%
EBIT growth 3Y-18.62%
EBIT growth 5Y-9.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y171.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y171.31%
OCF growth 3YN/A
OCF growth 5YN/A
ASSURED GUARANTY LTD / AGO FAQ
What is the fundamental rating for AGO stock?
ChartMill assigns a fundamental rating of 3 / 10 to AGO.
Can you provide the valuation status for ASSURED GUARANTY LTD?
ChartMill assigns a valuation rating of 5 / 10 to ASSURED GUARANTY LTD (AGO). This can be considered as Fairly Valued.
What is the profitability of AGO stock?
ASSURED GUARANTY LTD (AGO) has a profitability rating of 4 / 10.
How financially healthy is ASSURED GUARANTY LTD?
The financial health rating of ASSURED GUARANTY LTD (AGO) is 2 / 10.
Is the dividend of ASSURED GUARANTY LTD sustainable?
The dividend rating of ASSURED GUARANTY LTD (AGO) is 6 / 10 and the dividend payout ratio is 17.12%.