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ATEGRITY SPECIALTY HOLDINGS (ASIC) Stock Fundamental Analysis

USA - NYSE:ASIC - US04681Y1038 - Common Stock

17.84 USD
-0.48 (-2.65%)
Last: 11/20/2025, 8:04:00 PM
17.84 USD
0 (0%)
After Hours: 11/20/2025, 8:04:00 PM
Fundamental Rating

4

Overall ASIC gets a fundamental rating of 4 out of 10. We evaluated ASIC against 147 industry peers in the Insurance industry. The financial health of ASIC is average, but there are quite some concerns on its profitability. ASIC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ASIC had positive earnings in the past year.
ASIC Yearly Net Income VS EBIT VS OCF VS FCFASIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 3.45%, ASIC is in the better half of the industry, outperforming 70.75% of the companies in the same industry.
ASIC has a Return On Equity of 8.41%. This is comparable to the rest of the industry: ASIC outperforms 40.82% of its industry peers.
ASIC's Return On Invested Capital of 6.34% is amongst the best of the industry. ASIC outperforms 87.76% of its industry peers.
Industry RankSector Rank
ROA 3.45%
ROE 8.41%
ROIC 6.34%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ASIC Yearly ROA, ROE, ROICASIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of ASIC (14.73%) is better than 77.55% of its industry peers.
ASIC's Operating Margin of 13.84% is fine compared to the rest of the industry. ASIC outperforms 60.54% of its industry peers.
Industry RankSector Rank
OM 13.84%
PM (TTM) 14.73%
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
ASIC Yearly Profit, Operating, Gross MarginsASIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2023 2024 5 10

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5

2. Health

2.1 Basic Checks

ASIC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ASIC remains at a similar level compared to 1 year ago.
There is no outstanding debt for ASIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ASIC Yearly Shares OutstandingASIC Yearly Shares OutstandingYearly Shares Outstanding 2023 2024 10M 20M 30M 40M
ASIC Yearly Total Debt VS Total AssetsASIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

ASIC has an Altman-Z score of 0.38. This is a bad value and indicates that ASIC is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.38, ASIC is doing good in the industry, outperforming 70.07% of the companies in the same industry.
ASIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 0.38
ROIC/WACC0.72
WACC8.77%
ASIC Yearly LT Debt VS Equity VS FCFASIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2023 2024 100M 200M 300M

2.3 Liquidity

A Current Ratio of 0.03 indicates that ASIC may have some problems paying its short term obligations.
The Current ratio of ASIC (0.03) is better than 60.54% of its industry peers.
A Quick Ratio of 0.03 indicates that ASIC may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.03, ASIC is in the better half of the industry, outperforming 60.54% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
ASIC Yearly Current Assets VS Current LiabilitesASIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 368.62% over the past year.
The Revenue has grown by 39.07% in the past year. This is a very strong growth!
EPS 1Y (TTM)368.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)39.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

Based on estimates for the next years, ASIC will show a very strong growth in Earnings Per Share. The EPS will grow by 36.61% on average per year.
ASIC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 34.79% yearly.
EPS Next Y41.2%
EPS Next 2Y37.85%
EPS Next 3Y36.61%
EPS Next 5YN/A
Revenue Next Year23.2%
Revenue Next 2Y33.76%
Revenue Next 3Y34.79%
Revenue Next 5YN/A

3.3 Evolution

ASIC Yearly Revenue VS EstimatesASIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 2027 200M 400M 600M
ASIC Yearly EPS VS EstimatesASIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.84, which indicates a rather expensive current valuation of ASIC.
Based on the Price/Earnings ratio, ASIC is valued a bit more expensive than the industry average as 68.03% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of ASIC to the average of the S&P500 Index (25.07), we can say ASIC is valued slightly cheaper.
ASIC is valuated reasonably with a Price/Forward Earnings ratio of 9.38.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ASIC is on the same level as its industry peers.
ASIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.84
Fwd PE 9.38
ASIC Price Earnings VS Forward Price EarningsASIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ASIC is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 19.07
ASIC Per share dataASIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

ASIC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ASIC's earnings are expected to grow with 36.61% in the coming years.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y37.85%
EPS Next 3Y36.61%

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0

5. Dividend

5.1 Amount

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

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ATEGRITY SPECIALTY HOLDINGS

NYSE:ASIC (11/20/2025, 8:04:00 PM)

After market: 17.84 0 (0%)

17.84

-0.48 (-2.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)N/A N/A
Inst Owners13.16%
Inst Owner Change13.15%
Ins Owners81.14%
Ins Owner Change37.67%
Market Cap857.57M
Revenue(TTM)319.79M
Net Income(TTM)47.09M
Analysts83.64
Price Target26.32 (47.53%)
Short Float %3.47%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)-5.32%
PT rev (3m)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.37%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.84
Fwd PE 9.38
P/S 2.68
P/FCF N/A
P/OCF N/A
P/B 1.53
P/tB 1.53
EV/EBITDA 19.07
EPS(TTM)1
EY5.61%
EPS(NY)1.9
Fwd EY10.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.65
BVpS11.64
TBVpS11.64
PEG (NY)0.43
PEG (5Y)N/A
Graham Number16.19
Profitability
Industry RankSector Rank
ROA 3.45%
ROE 8.41%
ROCE 7.85%
ROIC 6.34%
ROICexc 6.62%
ROICexgc 6.62%
OM 13.84%
PM (TTM) 14.73%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-ScoreN/A
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z 0.38
F-ScoreN/A
WACC8.77%
ROIC/WACC0.72
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)368.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y41.2%
EPS Next 2Y37.85%
EPS Next 3Y36.61%
EPS Next 5YN/A
Revenue 1Y (TTM)39.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year23.2%
Revenue Next 2Y33.76%
Revenue Next 3Y34.79%
Revenue Next 5YN/A
EBIT growth 1Y1167.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y46.56%
OCF growth 3YN/A
OCF growth 5YN/A

ATEGRITY SPECIALTY HOLDINGS / ASIC FAQ

What is the ChartMill fundamental rating of ATEGRITY SPECIALTY HOLDINGS (ASIC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ASIC.


Can you provide the valuation status for ATEGRITY SPECIALTY HOLDINGS?

ChartMill assigns a valuation rating of 4 / 10 to ATEGRITY SPECIALTY HOLDINGS (ASIC). This can be considered as Fairly Valued.


Can you provide the profitability details for ATEGRITY SPECIALTY HOLDINGS?

ATEGRITY SPECIALTY HOLDINGS (ASIC) has a profitability rating of 3 / 10.


How financially healthy is ATEGRITY SPECIALTY HOLDINGS?

The financial health rating of ATEGRITY SPECIALTY HOLDINGS (ASIC) is 5 / 10.