ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
NYSE:AGO • BMG0585R1060
86.24 USD
+0.67 (+0.78%)
At close: Feb 25, 2026
86.24 USD
0 (0%)
After Hours: 2/25/2026, 8:04:00 PM
Taking everything into account, AGO scores 3 out of 10 in our fundamental rating. AGO was compared to 150 industry peers in the Insurance industry. While AGO is still in line with the averages on profitability rating, there are concerns on its financial health. AGO is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- AGO had positive earnings in the past year.
- In the past year AGO had a positive cash flow from operations.
- AGO had positive earnings in each of the past 5 years.
- 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 68.67% of its industry peers.
- Looking at the Return On Equity, with a value of 7.12%, AGO is doing worse than 66.67% 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
- Looking at the Profit Margin, with a value of 43.95%, AGO belongs to the top of the industry, outperforming 99.33% of the companies in the same industry.
- AGO's Profit Margin has improved in the last couple of years.
- The Operating Margin of AGO (38.28%) is better than 98.00% 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
- Compared to 1 year ago, AGO has less shares outstanding
- AGO has less shares outstanding than it did 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.
- The Debt to FCF ratio of AGO (6.40) is worse than 66.00% 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 has a Debt to Equity ratio (0.30) which is in line with 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
- The earnings per share for AGO have decreased strongly by -30.60% in the last year.
- The Earnings Per Share has been growing by 12.76% on average over the past years. This is quite good.
- Looking at the last year, AGO shows a small growth in Revenue. The Revenue has grown by 7.88% in the last year.
- The Revenue has been decreasing by -6.16% on average over the past years.
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
- The Earnings Per Share is expected to grow by 3.29% on average over the next years.
- AGO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.33% yearly.
EPS Next Y20.52%
EPS Next 2Y0.5%
EPS Next 3Y3.29%
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
- AGO is valuated reasonably with a Price/Earnings ratio of 10.74.
- The rest of the industry has a similar Price/Earnings ratio as AGO.
- Compared to an average S&P500 Price/Earnings ratio of 27.05, AGO is valued rather cheaply.
- A Price/Forward Earnings ratio of 12.04 indicates a correct valuation of AGO.
- AGO's Price/Forward Earnings ratio is in line with the industry average.
- AGO is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 12.04 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as AGO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.94 | ||
| 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)0.52
PEG (5Y)0.84
EPS Next 2Y0.5%
EPS Next 3Y3.29%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.57%, AGO has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.63, AGO has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.80, AGO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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 2Y0.5%
EPS Next 3Y3.29%
86.24
+0.67 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners97.25%
Inst Owner Change-4.77%
Ins Owners7.12%
Ins Owner Change-0.59%
Market Cap3.97B
Revenue(TTM)917.00M
Net Income(TTM)403.00M
Analysts77.14
Price Target106.08 (23.01%)
Short Float %2.41%
Short Ratio3.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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)1.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.24%
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 | 10.74 | ||
| Fwd PE | 12.04 | ||
| P/S | 4.33 | ||
| P/FCF | 14.94 | ||
| P/OCF | 14.94 | ||
| P/B | 0.7 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.03
EY9.31%
EPS(NY)7.16
Fwd EY8.3%
FCF(TTM)5.77
FCFY6.69%
OCF(TTM)5.77
OCFY6.69%
SpS19.9
BVpS122.76
TBVpS122.76
PEG (NY)0.52
PEG (5Y)0.84
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 Y20.52%
EPS Next 2Y0.5%
EPS Next 3Y3.29%
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%.