ASPEN INSURANCE HOLDINGS-A (AHL) Fundamental Analysis & Valuation

NYSE:AHL • BMG053845019

Current stock price

37.5 USD
0 (0%)
At close:
37.51 USD
+0.01 (+0.03%)
After Hours:

This AHL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. AHL Profitability Analysis

1.1 Basic Checks

  • AHL had negative earnings in the past year.
  • In the past year AHL had a positive cash flow from operations.
  • 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.
AHL Yearly Net Income VS EBIT VS OCF VS FCFAHL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M

1.2 Ratios

  • AHL's Return On Assets of 2.03% is in line compared to the rest of the industry. AHL outperforms 53.02% of its industry peers.
  • AHL's Return On Equity of 9.96% is in line compared to the rest of the industry. AHL outperforms 48.99% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.11%, AHL is in line with its industry, outperforming 48.99% of the companies in the same industry.
  • AHL had an Average Return On Invested Capital over the past 3 years of 1.84%. This is significantly below the industry average of 9.34%.
  • The 3 year average ROIC (1.84%) for AHL is below the current ROIC(2.11%), indicating increased profibility in the last year.
Industry RankSector 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%
AHL Yearly ROA, ROE, ROICAHL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

  • With a decent Profit Margin value of 10.48%, AHL is doing good in the industry, outperforming 67.79% of the companies in the same industry.
  • AHL has a Operating Margin (13.51%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of AHL has grown nicely.
Industry RankSector 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
AHL Yearly Profit, Operating, Gross MarginsAHL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

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4

2. AHL Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AHL is destroying value.
  • The number of shares outstanding for AHL remains at a similar level compared to 1 year ago.
  • AHL has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for AHL has been reduced compared to a year ago.
AHL Yearly Shares OutstandingAHL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AHL Yearly Total Debt VS Total AssetsAHL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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.
  • The Debt to FCF ratio of AHL (0.62) is better than 77.85% 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 78.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.62
Altman-Z N/A
ROIC/WACC0.25
WACC8.52%
AHL Yearly LT Debt VS Equity VS FCFAHL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AHL Yearly Current Assets VS Current LiabilitesAHL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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0

3. AHL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 99.55% over the past year.
  • The Revenue for AHL has decreased by -10.20% in the past year. This is quite bad
  • AHL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.14% yearly.
EPS 1Y (TTM)99.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-10.2%
Revenue growth 3Y-4.14%
Revenue growth 5YN/A
Sales Q2Q%-8.53%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AHL Yearly Revenue VS EstimatesAHL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
AHL Yearly EPS VS EstimatesAHL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2025 2026 2027 0 2 -2 4 -4 -6

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1

4. AHL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for AHL. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AHL Price Earnings VS Forward Price EarningsAHL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as AHL.
Industry RankSector Rank
P/FCF 7.17
EV/EBITDA N/A
AHL Per share dataAHL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. AHL Dividend Analysis

5.1 Amount

  • AHL has a Yearly Dividend Yield of 7.01%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.84, AHL pays a better dividend. On top of this AHL pays more dividend than 91.95% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, AHL pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.01%

5.2 History

  • The dividend of AHL is nicely growing with an annual growth rate of 52.29%!
  • AHL has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)52.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
AHL Yearly Dividends per shareAHL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 0.2 0.4 0.6 0.8

5.3 Sustainability

  • AHL pays out 21.34% of its income as dividend. This is a sustainable payout ratio.
DP21.34%
EPS Next 2YN/A
EPS Next 3YN/A
AHL Yearly Income VS Free CF VS DividendAHL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M
AHL Dividend Payout.AHL Dividend Payout, showing the Payout Ratio.AHL Dividend Payout.PayoutRetained Earnings

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AHL Fundamentals: All Metrics, Ratios and Statistics

ASPEN INSURANCE HOLDINGS-A

NYSE:AHL (2/23/2026, 8:04:00 PM)

After market: 37.51 +0.01 (+0.03%)

37.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)03-23
Inst Owners101.48%
Inst Owner Change3.33%
Ins Owners0.96%
Ins Owner Change0%
Market Cap3.44B
Revenue(TTM)2.36B
Net Income(TTM)333.10M
Analysts69.09
Price Target39.02 (4.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.01%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.59%
Revenue NY rev (3m)-1.61%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.08
P/FCF 7.17
P/OCF 6.81
P/B 1.03
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)-0.03
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.23
FCFY13.95%
OCF(TTM)5.51
OCFY14.68%
SpS34.62
BVpS36.43
TBVpS36.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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
WACC8.52%
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)99.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.2%
Revenue growth 3Y-4.14%
Revenue growth 5YN/A
Sales Q2Q%-8.53%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

What is the fundamental rating for AHL stock?

ChartMill assigns a fundamental rating of 3 / 10 to AHL.


What is the valuation status of ASPEN INSURANCE HOLDINGS-A (AHL) stock?

ChartMill assigns a valuation rating of 1 / 10 to ASPEN INSURANCE HOLDINGS-A (AHL). This can be considered as Overvalued.


Can you provide the profitability details for ASPEN INSURANCE HOLDINGS-A?

ASPEN INSURANCE HOLDINGS-A (AHL) has a profitability rating of 3 / 10.