ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
NYSE:AGO • BMG0585R1060
86.9 USD
-0.55 (-0.63%)
At close: Mar 3, 2026
86.9 USD
0 (0%)
After Hours: 3/3/2026, 8:04:00 PM
Overall AGO gets a fundamental rating of 3 out of 10. We evaluated AGO 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.
- AGO had a positive operating cash flow in the past year.
- AGO had positive earnings in 4 of the past 5 years.
- In multiple years AGO reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of AGO (3.33%) is better than 66.44% of its industry peers.
- AGO has a Return On Equity of 7.12%. This is in the lower half of the industry: AGO underperforms 62.42% of its industry peers.
| 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
- AGO has a Profit Margin of 43.95%. This is amongst the best in the industry. AGO outperforms 99.33% of its industry peers.
- In the last couple of years the Profit Margin of AGO has grown nicely.
- AGO has a better Operating Margin (38.28%) than 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
- AGO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of AGO is 6.40, which is on the high side as it means it would take AGO, 6.40 years of fcf income to pay off all of its debts.
- AGO has a worse Debt to FCF ratio (6.40) than 65.77% of its industry peers.
- 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 53.02% 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 growth in Earnings Per Share. In the last year, the EPS has been growing by 28.07%, which is quite impressive.
- The Earnings Per Share has been growing by 24.88% on average over the past years. This is a very strong growth
EPS 1Y (TTM)28.07%
EPS 3Y30.03%
EPS 5Y24.88%
EPS Q2Q%82.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.56%
3.2 Future
- The Earnings Per Share is expected to decrease by -7.23% on average over the next years.
- The Revenue is expected to decrease by -4.25% on average over the next years.
EPS Next Y-21.14%
EPS Next 2Y-7.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.28%
Revenue Next 2Y-4.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- AGO is valuated reasonably with a Price/Earnings ratio of 9.57.
- 63.76% of the companies in the same industry are more expensive than AGO, based on the Price/Earnings ratio.
- AGO is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 12.14, which indicates a correct valuation of AGO.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AGO is on the same level as its industry peers.
- AGO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.95.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 12.14 |
4.2 Price Multiples
- AGO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- AGO's earnings are expected to decrease with -7.23% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.38
EPS Next 2Y-7.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- AGO has a Yearly Dividend Yield of 1.74%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.49, AGO has a dividend in line with its industry peers.
- AGO's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
DP17.12%
EPS Next 2Y-7.23%
EPS Next 3YN/A
86.9
-0.55 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2026-02-26/amc
Earnings (Next)05-06 2026-05-06
Inst Owners97.25%
Inst Owner Change-4.73%
Ins Owners7.12%
Ins Owner Change0.68%
Market Cap3.90B
Revenue(TTM)N/A
Net Income(TTM)403.00M
Analysts77.14
Price Target106.08 (22.07%)
Short Float %2.44%
Short Ratio3.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
Yearly Dividend1.27
Dividend Growth(5Y)11.15%
DP17.12%
Div Incr Years13
Div Non Decr Years20
Ex-Date03-06 2026-03-06 (0.38)
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)1.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)4.75%
EPS NY rev (3m)11.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 12.14 | ||
| P/S | 4.26 | ||
| P/FCF | 14.68 | ||
| P/OCF | 14.68 | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.08
EY10.45%
EPS(NY)7.16
Fwd EY8.24%
FCF(TTM)5.92
FCFY6.81%
OCF(TTM)5.92
OCFY6.81%
SpS20.41
BVpS125.93
TBVpS125.93
PEG (NY)N/A
PEG (5Y)0.38
Graham Number160.4
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)28.07%
EPS 3Y30.03%
EPS 5Y24.88%
EPS Q2Q%82.68%
EPS Next Y-21.14%
EPS Next 2Y-7.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.56%
Revenue Next Year-12.28%
Revenue Next 2Y-4.25%
Revenue Next 3YN/A
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 4 / 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 1 / 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%.