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AMBAC FINANCIAL GROUP INC (AMBC) Stock Fundamental Analysis

NYSE:AMBC - New York Stock Exchange, Inc. - US0231398845 - Common Stock - Currency: USD

7.84  -0.21 (-2.61%)

After market: 7.84 0 (0%)

Fundamental Rating

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We assign a fundamental rating of 1 out of 10 to AMBC. AMBC was compared to 143 industry peers in the Insurance industry. AMBC has a bad profitability rating. Also its financial health evaluation is rather negative. AMBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year AMBC has reported negative net income.
AMBC had a negative operating cash flow in the past year.
In multiple years AMBC reported negative net income over the last 5 years.
In multiple years AMBC reported negative operating cash flow during the last 5 years.
AMBC Yearly Net Income VS EBIT VS OCF VS FCFAMBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B

1.2 Ratios

Looking at the Return On Assets, with a value of -7.04%, AMBC is doing worse than 92.31% of the companies in the same industry.
AMBC has a Return On Equity of -68.15%. This is amonst the worse of the industry: AMBC underperforms 93.71% of its industry peers.
Industry RankSector Rank
ROA -7.04%
ROE -68.15%
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
AMBC Yearly ROA, ROE, ROICAMBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

AMBC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
AMBC Yearly Profit, Operating, Gross MarginsAMBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200

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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.
The number of shares outstanding for AMBC has been increased compared to 1 year ago.
AMBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AMBC has an improved debt to assets ratio.
AMBC Yearly Shares OutstandingAMBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AMBC Yearly Total Debt VS Total AssetsAMBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

AMBC has an Altman-Z score of 0.11. This is a bad value and indicates that AMBC is not financially healthy and even has some risk of bankruptcy.
AMBC has a better Altman-Z score (0.11) than 68.53% of its industry peers.
AMBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AMBC (0.18) is better than 73.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z 0.11
ROIC/WACCN/A
WACC2.82%
AMBC Yearly LT Debt VS Equity VS FCFAMBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

2.3 Liquidity

AMBC has a Current Ratio of 0.28. This is a bad value and indicates that AMBC is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.28, AMBC is in the better half of the industry, outperforming 70.63% of the companies in the same industry.
AMBC has a Quick Ratio of 0.28. This is a bad value and indicates that AMBC is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.28, AMBC is doing good in the industry, outperforming 70.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.28
Quick Ratio 0.28
AMBC Yearly Current Assets VS Current LiabilitesAMBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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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 -116.51%.
The earnings per share for AMBC have been decreasing by -21.40% on average. This is quite bad
The Revenue for AMBC has decreased by -36.78% in the past year. This is quite bad
The Revenue for AMBC have been decreasing by -14.86% on average. This is quite bad
EPS 1Y (TTM)-116.51%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%-115.85%
Revenue 1Y (TTM)-36.78%
Revenue growth 3Y-4.34%
Revenue growth 5Y-14.86%
Sales Q2Q%-39.07%

3.2 Future

AMBC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -14.64% yearly.
AMBC is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -26.06% yearly.
EPS Next Y-180.14%
EPS Next 2Y-14.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-53.44%
Revenue Next 2Y-26.06%
Revenue Next 3YN/A
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 decreasing: in the next years the growth will be less than in the last years.
AMBC Yearly Revenue VS EstimatesAMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
AMBC Yearly EPS VS EstimatesAMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 10 20

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4. Valuation

4.1 Price/Earnings Ratio

AMBC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 25.62 indicates a quite expensive valuation of AMBC.
Based on the Price/Forward Earnings ratio, AMBC is valued a bit more expensive than the industry average as 76.92% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, AMBC is valued at the same level.
Industry RankSector Rank
PE N/A
Fwd PE 25.62
AMBC Price Earnings VS Forward Price EarningsAMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AMBC Per share dataAMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

A cheap valuation may be justified as AMBC's earnings are expected to decrease with -14.64% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.64%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for AMBC!.
Industry RankSector Rank
Dividend Yield N/A

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AMBAC FINANCIAL GROUP INC

NYSE:AMBC (5/28/2025, 8:18:16 PM)

After market: 7.84 0 (0%)

7.84

-0.21 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-12 2025-05-12/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners87.7%
Inst Owner Change-8.09%
Ins Owners3.83%
Ins Owner Change9.73%
Market Cap364.01M
Analysts85
Price Target17.34 (121.17%)
Short Float %5.92%
Short Ratio2.12
Dividend
Industry RankSector 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)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)1
Avg Revenue beat(2)23.6%
Min Revenue beat(2)-16.44%
Max Revenue beat(2)63.64%
Revenue beat(4)3
Avg Revenue beat(4)34.4%
Min Revenue beat(4)-16.44%
Max Revenue beat(4)63.64%
Revenue beat(8)6
Avg Revenue beat(8)20.06%
Revenue beat(12)7
Avg Revenue beat(12)16.24%
Revenue beat(16)9
Avg Revenue beat(16)29.36%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-285.71%
EPS NQ rev (3m)-285.71%
EPS NY rev (1m)-1750%
EPS NY rev (3m)-1750%
Revenue NQ rev (1m)2.77%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 25.62
P/S 1.91
P/FCF N/A
P/OCF N/A
P/B 0.43
P/tB 4.68
EV/EBITDA N/A
EPS(TTM)-0.53
EYN/A
EPS(NY)0.31
Fwd EY3.9%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)-0.64
OCFYN/A
SpS4.11
BVpS18.35
TBVpS1.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.04%
ROE -68.15%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.18
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 0.28
Quick Ratio 0.28
Altman-Z 0.11
F-Score2
WACC2.82%
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)-116.51%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%-115.85%
EPS Next Y-180.14%
EPS Next 2Y-14.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-36.78%
Revenue growth 3Y-4.34%
Revenue growth 5Y-14.86%
Sales Q2Q%-39.07%
Revenue Next Year-53.44%
Revenue Next 2Y-26.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-155.75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.51%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-102.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.12%
OCF growth 3YN/A
OCF growth 5YN/A