AMBC Fundamental Analysis - AMBAC FINANCIAL GROUP INC

Name: AMBAC FINANCIAL GROUP INC (AMBC) Stock
Brand: AMBAC FINANCIAL GROUP INC
Rating: 5 (3 reviews)

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to AMBC. AMBC was compared to 147 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.

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1. Profitability

1.1 Basic Checks

In the past year AMBC has reported negative net income.

In the past year AMBC has reported a negative cash flow from operations.

The reported net income has been mixed in the past 5 years: AMBC reported negative net income in multiple years.

In multiple years AMBC reported negative operating cash flow during the last 5 years.

1.2 Ratios

AMBC has a Return On Assets of -7.67%. This is amonst the worse of the industry: AMBC underperforms 91.16% of its industry peers.

AMBC's Return On Equity of -76.03% is on the low side compared to the rest of the industry. AMBC is outperformed by 92.52% of its industry peers.

		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

AMBC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

Compared to 1 year ago, AMBC has more shares outstanding

Compared to 5 years ago, AMBC has more shares outstanding

AMBC has a better debt/assets ratio than last year.

2.2 Solvency

AMBC has an Altman-Z score of 0.08. This is a bad value and indicates that AMBC is not financially healthy and even has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of 0.08, AMBC is in the better half of the industry, outperforming 65.31% of the companies in the same industry.

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

AMBC has a better Debt to Equity ratio (0.17) than 70.07% of its industry peers.

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

ROIC/WACCN/A

WACC2.92%

2.3 Liquidity

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

AMBC has a better Current ratio (0.29) than 70.75% of its industry peers.

AMBC has a Quick Ratio of 0.29. This is a bad value and indicates that AMBC is not financially healthy enough and could expect problems in meeting its short term obligations.

The Quick ratio of AMBC (0.29) is better than 70.75% 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

Show peers with great health

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%.

The earnings per share for AMBC have been decreasing by -21.40% on average. This is quite bad

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

AMBC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.86% yearly.

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

AMBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.91% yearly.

The Revenue is expected to decrease by -3.54% on average over the next years.

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

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

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

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Find the best growth stocks

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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.

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

AMBC's earnings are expected to grow with 19.91% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

More info and screens

Show best valued peers

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 (10/28/2025, 6:35:55 PM)

After market: 8.47 +0.01 (+0.12%)

8.46

-0.07 (-0.82%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

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

Inst Owners78.63%

Inst Owner Change0.11%

Ins Owners6.94%

Ins Owner Change47.01%

Market Cap392.54M

Revenue(TTM)137.39M

Net Income(TTM)-653753000

Analysts82.5

Price Target10.2 (20.57%)

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)-20%

PT rev (3m)-20%

EPS NQ rev (1m)-13.12%

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)46.26%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.86
P/FCF	N/A
P/OCF	N/A
P/B	0.46
P/tB	7.25
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

WACC2.92%

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?