AMBC Fundamental Analysis - AMBAC FINANCIAL GROUP INC

Name: AMBAC FINANCIAL GROUP INC (AMBC) Stock
Brand: AMBAC FINANCIAL GROUP INC
Rating: 4 (3 reviews)

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to AMBC. AMBC was compared to 146 industry peers in the Insurance industry. Both the profitability and financial health of AMBC have multiple concerns. AMBC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

AMBC had negative earnings in the past year.

AMBC had a negative operating cash flow in the past year.

In multiple years AMBC reported negative net income over the last 5 years.

The reported operating cash flow has been mixed in the past 5 years: AMBC reported negative operating cash flow in multiple years.

1.2 Ratios

With a Return On Assets value of -7.67%, AMBC is not doing good in the industry: 91.10% of the companies in the same industry are doing better.

With a Return On Equity value of -76.03%, AMBC is not doing good in the industry: 92.47% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-7.67%
ROE	-76.03%
ROIC	N/A

ROA(3y)0.15%

ROA(5y)-0.62%

ROE(3y)-5.38%

ROE(5y)-11.87%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for AMBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

AMBC has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, AMBC has more shares outstanding

The debt/assets ratio for AMBC has been reduced compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 0.08, we must say that AMBC is in the distress zone and has some risk of bankruptcy.

AMBC has a Altman-Z score of 0.08. This is in the better half of the industry: AMBC outperforms 65.07% of its industry peers.

AMBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.17, AMBC is in the better half of the industry, outperforming 71.23% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	N/A
Altman-Z	0.08

ROIC/WACCN/A

WACC2.94%

2.3 Liquidity

A Current Ratio of 0.29 indicates that AMBC may have some problems paying its short term obligations.

With a decent Current ratio value of 0.29, AMBC is doing good in the industry, outperforming 71.23% of the companies in the same industry.

A Quick Ratio of 0.29 indicates that AMBC may have some problems paying its short term obligations.

The Quick ratio of AMBC (0.29) is better than 71.23% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.29
Quick Ratio	0.29

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

AMBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.01%.

AMBC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.40% yearly.

AMBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -60.52%.

Measured over the past years, AMBC shows a very negative growth in Revenue. The Revenue has been decreasing by -14.86% on average per year.

EPS 1Y (TTM)-128.01%

EPS 3Y-13.99%

EPS 5Y-21.4%

EPS Q2Q%-222.22%

Revenue 1Y (TTM)-60.52%

Revenue growth 3Y-4.34%

Revenue growth 5Y-14.86%

Sales Q2Q%-48.64%

3.2 Future

The Earnings Per Share is expected to grow by 19.91% on average over the next years. This is quite good.

Based on estimates for the next years, AMBC will show a decrease in Revenue. The Revenue will decrease by -3.54% on average per year.

EPS Next Y-262.71%

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

EPS Next 5YN/A

Revenue Next Year-31.9%

Revenue Next 2Y-18.04%

Revenue Next 3Y-3.54%

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 accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AMBC. In the last year negative earnings were reported.

Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for AMBC. No positive earnings are expected for the next year.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as AMBC's earnings are expected to grow with 19.91% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

More info and screens

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5. Dividend

5.1 Amount

No dividends for AMBC!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AMBAC FINANCIAL GROUP INC

NYSE:AMBC (11/10/2025, 2:16:54 PM)

8.835

+0.36 (+4.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)11-10 2025-11-10/amc

Inst Owners78.63%

Inst Owner Change-1.09%

Ins Owners6.94%

Ins Owner Change47.01%

Market Cap409.94M

Revenue(TTM)137.39M

Net Income(TTM)-653.75M

Analysts82.5

Price Target12.75 (44.31%)

Short Float %5.45%

Short Ratio2.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-35.97%

Min EPS beat(2)-82.07%

Max EPS beat(2)10.13%

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)2

Avg Revenue beat(2)37.71%

Min Revenue beat(2)11.79%

Max Revenue beat(2)63.63%

Revenue beat(4)3

Avg Revenue beat(4)26.57%

Min Revenue beat(4)-16.44%

Max Revenue beat(4)63.63%

Revenue beat(8)6

Avg Revenue beat(8)20.22%

Revenue beat(12)8

Avg Revenue beat(12)19.14%

Revenue beat(16)10

Avg Revenue beat(16)30.92%

PT rev (1m)25%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-17.95%

EPS NY rev (1m)0%

EPS NY rev (3m)-103.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.85%

Revenue NY rev (1m)0%

Revenue NY rev (3m)17.2%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.98
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	7.57
EV/EBITDA	N/A

EPS(TTM)-0.93

EYN/A

EPS(NY)-0.14

Fwd EYN/A

FCF(TTM)-0.88

FCFYN/A

OCF(TTM)-0.88

OCFYN/A

SpS2.96

BVpS18.53

TBVpS1.17

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-7.67%
ROE	-76.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)0.15%

ROA(5y)-0.62%

ROE(3y)-5.38%

ROE(5y)-11.87%

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)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.29
Quick Ratio	0.29
Altman-Z	0.08

F-Score2

WACC2.94%

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)-128.01%

EPS 3Y-13.99%

EPS 5Y-21.4%

EPS Q2Q%-222.22%

EPS Next Y-262.71%

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

EPS Next 5YN/A

Revenue 1Y (TTM)-60.52%

Revenue growth 3Y-4.34%

Revenue growth 5Y-14.86%

Sales Q2Q%-48.64%

Revenue Next Year-31.9%

Revenue Next 2Y-18.04%

Revenue Next 3Y-3.54%

Revenue Next 5YN/A

EBIT growth 1Y-173.15%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year86.82%

EBIT Next 3Y42.61%

EBIT Next 5YN/A

FCF growth 1Y-102.85%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-102.85%

OCF growth 3YN/A

OCF growth 5YN/A

AMBAC FINANCIAL GROUP INC / AMBC FAQ

What is the fundamental rating for AMBC stock?

ChartMill assigns a fundamental rating of 2 / 10 to AMBC.

What is the valuation status for AMBC stock?

ChartMill assigns a valuation rating of 0 / 10 to AMBAC FINANCIAL GROUP INC (AMBC). This can be considered as Overvalued.

What is the profitability of AMBC stock?

AMBAC FINANCIAL GROUP INC (AMBC) has a profitability rating of 1 / 10.

Can you provide the expected EPS growth for AMBC stock?

The Earnings per Share (EPS) of AMBAC FINANCIAL GROUP INC (AMBC) is expected to decline by -262.71% in the next year.

AMBAC FINANCIAL GROUP INC (AMBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

AMBAC FINANCIAL GROUP INC / AMBC FAQ

What is the fundamental rating for AMBC stock?

What is the valuation status for AMBC stock?

What is the profitability of AMBC stock?

Can you provide the expected EPS growth for AMBC stock?