ASSURED GUARANTY LTD (AGO)       61.93  +0.43 (+0.7%)

61.93  +0.43 (+0.7%)

BMG0585R1060 - Common Stock - After market: 61.93 0 (0%)


Fundamental Rating

4

Taking everything into account, AGO scores 4 out of 10 in our fundamental rating. AGO was compared to 148 industry peers in the Insurance industry. AGO has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on AGO.




Profitability

Profitability Rating

4

AGO's Profit Margin of 43.60% is amongst the best returns of the industry. AGO outperforms 95% of its industry peers. The industry average Profit Margin is 9.18%.
AGO has a Return On Assets of 1.76%. This is comparable to the industry average of 1.76%.

AGO has a Return On Equity of 5.94%. This is below the industry average of 12.86%. 86% of the industry peers outperform AGO.
The Piotroski-F score of AGO is 3.00. This is a low score and indicates issues in the health and profitability of AGO.
VS Industry

ROA (1.76%) VS Industry: 50% outperformed.

0.04
28.75

ROE (5.94%) VS Industry: 14% outperformed.

0.61
96.89

Profit Margin (43.6%) VS Industry: 95% outperformed.

-1.92
123.31

Valuation

Valuation Rating

7

With a Price/Earnings Ratio of 7.95, the valuation of AGO can be described as very cheap.
AGO's Price/Earning Ratio is a bit cheaper than the industry average which is at 10.58.
With a price book ratio of 0.75, AGO is valued rather cheaply.

Compared to an average industry price book ratio of 1.14, AGO is valued rather cheaply
With a Forward Price/Earnings Ratio of 15.38, AGO is valued correctly.
The PEG Ratio, which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
VS Industry

Price/Earnings (7.95) VS Industry: 64% outperformed.

89.58
0.20

Price/Book (0.75) VS Industry: 64% outperformed.

149.66
0.02

Growth

Growth Rating

4

The Earnings Per Share has grown by an impressive 137.50% over the past year.
When comparing the Revenue growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
The Earnings Per Share has been growing slightly by 7.44% on average over the past 5 years.
Based on estimates for the next 5 years, AGO will show a small growth in Earnings Per Share. The EPS will grow by 1.73% on average per year.

The Revenue is expected to grow by 4.71% on average over the next 5 years.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
AGO shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.57%.
Measured over the past 5 years, AGO shows a very negative growth in Revenue. The Revenue has been decreasing by -13.56% on average per year.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS7.44% 14.32% 137.5% -26.37% -21.1% -8.81% 1.73%
Revenue-13.56% -8.11% -20.57% -6.57% -13.31% -8.41% 4.71%

Health

Health Rating

1

The Debt to Equity ratio of AGO is in line with the industry averages.

The Piotroski-F score of AGO is 3.00. This is a low score and indicates issues in the health and profitability of AGO.
VS Industry

Debt/Equity (0.34) VS Industry: 56% outperformed.

17.94
0.00

Dividend

Dividend Rating

5

On average, the dividend of AGO grows each year by 11.20%, which is quite nice.
21.84% of the earnings are spent on dividend by AGO. This is a low number and sustainable payout ratio.
AGO has been paying a dividend for at least 10 years, so it has a reliable track record.
AGO has a Yearly Dividend Yield of 1.65%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 2.38, AGO is paying slightly less dividend.
AGO's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
AGO's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
VS Industry

Dividend Yield (1.65%) VS Industry: 23% outperformed.

0.07
14.20

ASSURED GUARANTY LTD61.93

NYSE:AGO (2/3/2023, 7:23:59 PM)+0.43 (+0.7%)

After market: 61.93 0 (0%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Insurance
GICS Industry Insurance
Earnings (Last) 11-07 2022-11-07/amc Earnings (Next) 02-22 2023-02-22/amc
Inst Owners 91.14% Inst Owner Change -1.28%
Ins Owners 4.45% Ins Owner Change -1.31%
Market Cap 3.72B Analysts 82.22
Price Target 76.25 (23.12%)

Dividend
Industry RankSector Rank
Dividend Yield 1.65%
Dividend Growth(5Y) 11.2% DP 21.84%
Div Incr Years 11 Div Non Decr Years 18
Ex-Date N/A

Surprises & Revisions
EPS beat(2) 1 Avg EPS beat(2) 49.64%
Min EPS beat(2) -48.68% Max EPS beat(2) 147.97%
EPS beat(4) 3 Avg EPS beat(4) 136.59%
Min EPS beat(4) -48.68% Max EPS beat(4) 386.28%
Revenue beat(2) N/A Avg Revenue beat(2) -27.17%
Min Revenue beat(2) -27.85% Max Revenue beat(2) -26.5%
Revenue beat(4) 2 Avg Revenue beat(4) 13.56%
Min Revenue beat(4) -27.85% Max Revenue beat(4) 56.96%
PT rev (1m) 0% PT rev (3m) 5.78%
EPS NQ rev (1m) 0% EPS NQ rev (3m) 2.13%
EPS NY rev (1m) 0% EPS NY rev (3m) 26.79%
Revenue NQ rev (1m) 0% Revenue NQ rev (3m) 47.45%
Revenue NY rev (1m) 0% Revenue NY rev (3m) 37.67%

Valuation
Industry RankSector Rank
PE 7.95
Fwd PE 15.38
P/S 5.53
P/FCF N/A
P/OCF N/A
P/B 0.75
P/tB 0.78
EV/EBITDA N/A
EPS(TTM) 7.79 EY 12.58%
EPS(NY) 4.03 Fwd EY 6.5%
FCF(TTM) -33.22 FCFY N/A
OCF(TTM) -33.22 OCFY N/A
SpS 11.2 BVpS 82.16
TBVpS 79.39 PEG (NY) N/A
PEG (5Y) 1.07

Profitability
Industry RankSector Rank
ROA 1.76%
ROE 5.94%
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 79.76%
PM 43.6%
GM N/A
ROICexgc(3y) N/A ROICexcg growth 3Y N/A
ROICexcg growth 5Y N/A ROICexc(3y) N/A
ROICexc growth 3Y N/A ROICexc growth 5Y N/A
OM growth 3Y 7.62% OM growth 5Y 5.06%
PM growth 3Y -1.2% PM growth 5Y -1.74%
GM growth 3Y N/A GM growth 5Y N/A
F-Score 3 Asset Turnover 0.04

Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score 3 WACC N/A
ROIC/WACC N/A Cap/Depr(3y) N/A
Cap/Depr(5y) N/A Profit Quality(3y) N/A
Profit Quality(5y) N/A

Growth
EPS 1Y 137.5% EPS 3Y 14.32%
EPS 5Y 7.44% EPS growth Q2Q 368.89%
EPS Next Y -26.37% EPS Next 2Y -21.1%
EPS Next 3Y -8.81% EPS Next 5Y 1.73%
Revenue growth 1Y -20.57% Revenue growth 3Y -8.11%
Revenue growth 5Y -13.56% Revenue growth Q2Q -54.49%
Revenue Next Year -6.57% Revenue Next 2Y -13.31%
Revenue Next 3Y -8.41% Revenue Next 5Y 4.71%
EBIT growth 1Y 14.53% EBIT growth 3Y -1.11%
EBIT growth 5Y -9.18% EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y -146.66% FCF growth 3Y N/A
FCF growth 5Y N/A OCF growth 1Y -146.66%
OCF growth 3Y N/A OCF growth 5Y N/A

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