ASPEN INSURANCE HOLDINGS-A (AHL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AHL - BMG053845019 - Common Stock
37.03 USD
-0.07 (-0.19%)
Taking everything into account, AHL scores 3 out of 10 in our fundamental rating. AHL was compared to 147 industry peers in the Insurance industry. Both the profitability and the financial health of AHL get a neutral evaluation. Nothing too spectacular is happening here. AHL has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AHL had positive earnings in the past year.
AHL had a positive operating cash flow in the past year.
In multiple years AHL reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: AHL reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of AHL (2.03%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 9.96%, AHL is in line with its industry, outperforming 46.94% of the companies in the same industry.
AHL has a Return On Invested Capital (2.11%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for AHL is significantly below the industry average of 14.90%.
The last Return On Invested Capital (2.11%) for AHL is above the 3 year average (1.84%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 9.96% | ||
| ROIC | 2.11% |
ROA(3y)1.99%
ROA(5y)1.02%
ROE(3y)9.91%
ROE(5y)5.14%
ROIC(3y)1.84%
ROIC(5y)1.28%
1.3 Margins
AHL has a better Profit Margin (10.48%) than 63.95% of its industry peers.
AHL has a Operating Margin of 13.51%. This is comparable to the rest of the industry: AHL outperforms 57.14% of its industry peers.
AHL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.51% | ||
| PM (TTM) | 10.48% | ||
| GM | N/A |
OM growth 3Y92.17%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AHL is destroying value.
AHL has about the same amout of shares outstanding than it did 1 year ago.
AHL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AHL has an improved debt to assets ratio.
2.2 Solvency
AHL has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of all of its debts.
AHL has a better Debt to FCF ratio (0.62) than 77.55% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that AHL is not too dependend on debt financing.
The Debt to Equity ratio of AHL (0.09) is better than 76.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | N/A |
ROIC/WACC0.25
WACC8.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AHL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.83%.
Looking at the last year, AHL shows a small growth in Revenue. The Revenue has grown by 5.97% in the last year.
The Revenue has been growing slightly by 4.11% on average over the past years.
EPS 1Y (TTM)-28.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-57.61%
Revenue 1Y (TTM)5.97%
Revenue growth 3Y6.95%
Revenue growth 5Y4.11%
Sales Q2Q%-11.41%
3.2 Future
AHL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.84% yearly.
Based on estimates for the next years, AHL will show a small growth in Revenue. The Revenue will grow by 1.73% on average per year.
EPS Next Y-43.64%
EPS Next 2Y-16.43%
EPS Next 3Y-7.84%
EPS Next 5YN/A
Revenue Next Year-8.14%
Revenue Next 2Y-0.29%
Revenue Next 3Y1.73%
Revenue Next 5YN/A
3.3 Evolution
The Revenue 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
AHL is valuated cheaply with a Price/Earnings ratio of 7.11.
AHL's Price/Earnings ratio is a bit cheaper when compared to the industry. AHL is cheaper than 77.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.76. AHL is valued rather cheaply when compared to this.
AHL is valuated cheaply with a Price/Forward Earnings ratio of 7.43.
AHL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AHL is cheaper than 76.19% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.96, AHL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.11 | ||
| Fwd PE | 7.43 |
4.2 Price Multiples
AHL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AHL's earnings are expected to decrease with -7.84% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.43%
EPS Next 3Y-7.84%
5. Dividend
5.1 Amount
AHL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:AHL (12/12/2025, 1:10:11 PM)
37.03
-0.07 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners100.52%
Inst Owner Change0.91%
Ins Owners0.96%
Ins Owner Change0%
Market Cap3.40B
Revenue(TTM)3.18B
Net Income(TTM)333.10M
Analysts69.09
Price Target39.02 (5.37%)
Short Float %1.7%
Short Ratio5.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend4.14
Dividend Growth(5Y)52.29%
DP21.34%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.29%
PT rev (3m)-1.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.11 | ||
| Fwd PE | 7.43 | ||
| P/S | 1.07 | ||
| P/FCF | 7.08 | ||
| P/OCF | 6.72 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.21
EY14.07%
EPS(NY)4.99
Fwd EY13.47%
FCF(TTM)5.23
FCFY14.12%
OCF(TTM)5.51
OCFY14.87%
SpS34.62
BVpS36.43
TBVpS36.21
PEG (NY)N/A
PEG (5Y)N/A
Graham Number65.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 9.96% | ||
| ROCE | 2.67% | ||
| ROIC | 2.11% | ||
| ROICexc | 2.21% | ||
| ROICexgc | 3.54% | ||
| OM | 13.51% | ||
| PM (TTM) | 10.48% | ||
| GM | N/A | ||
| FCFM | 15.11% |
ROA(3y)1.99%
ROA(5y)1.02%
ROE(3y)9.91%
ROE(5y)5.14%
ROIC(3y)1.84%
ROIC(5y)1.28%
ROICexc(3y)1.96%
ROICexc(5y)1.37%
ROICexgc(3y)3.27%
ROICexgc(5y)2.26%
ROCE(3y)2.33%
ROCE(5y)1.62%
ROICexgc growth 3Y98.06%
ROICexgc growth 5YN/A
ROICexc growth 3Y92.67%
ROICexc growth 5YN/A
OM growth 3Y92.17%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.8% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 144.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.5%
ROIC/WACC0.25
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)-28.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-57.61%
EPS Next Y-43.64%
EPS Next 2Y-16.43%
EPS Next 3Y-7.84%
EPS Next 5YN/A
Revenue 1Y (TTM)5.97%
Revenue growth 3Y6.95%
Revenue growth 5Y4.11%
Sales Q2Q%-11.41%
Revenue Next Year-8.14%
Revenue Next 2Y-0.29%
Revenue Next 3Y1.73%
Revenue Next 5YN/A
EBIT growth 1Y2.85%
EBIT growth 3Y105.54%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y70.17%
FCF growth 3Y5.31%
FCF growth 5YN/A
OCF growth 1Y70.9%
OCF growth 3Y1.88%
OCF growth 5YN/A
ASPEN INSURANCE HOLDINGS-A / AHL FAQ
What is the ChartMill fundamental rating of ASPEN INSURANCE HOLDINGS-A (AHL) stock?
ChartMill assigns a fundamental rating of 3 / 10 to AHL.
Can you provide the valuation status for ASPEN INSURANCE HOLDINGS-A?
ChartMill assigns a valuation rating of 5 / 10 to ASPEN INSURANCE HOLDINGS-A (AHL). This can be considered as Fairly Valued.
Can you provide the profitability details for ASPEN INSURANCE HOLDINGS-A?
ASPEN INSURANCE HOLDINGS-A (AHL) has a profitability rating of 4 / 10.
What is the financial health of ASPEN INSURANCE HOLDINGS-A (AHL) stock?
The financial health rating of ASPEN INSURANCE HOLDINGS-A (AHL) is 4 / 10.
Can you provide the dividend sustainability for AHL stock?
The dividend rating of ASPEN INSURANCE HOLDINGS-A (AHL) is 0 / 10 and the dividend payout ratio is 21.34%.