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ATEGRITY SPECIALTY HOLDINGS (ASIC) Stock Fundamental Analysis

USA - NYSE:ASIC - US04681Y1038 - Common Stock

18.94 USD
+0.17 (+0.91%)
Last: 10/24/2025, 8:09:35 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. While ASIC seems to be doing ok healthwise, there are quite some concerns on its profitability. ASIC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ASIC was profitable.
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

The Return On Assets of ASIC (3.45%) is better than 70.75% of its industry peers.
ASIC's Return On Equity of 8.41% is in line compared to the rest of the industry. ASIC outperforms 42.18% of its industry peers.
The Return On Invested Capital of ASIC (6.34%) is better than 87.07% 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

With a decent Profit Margin value of 14.73%, ASIC is doing good in the industry, outperforming 78.91% of the companies in the same industry.
The Operating Margin of ASIC (13.84%) is comparable to the rest of the industry.
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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASIC is destroying value.
Compared to 1 year ago, ASIC has about the same amount of shares outstanding.
ASIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

Based on the Altman-Z score of 0.40, we must say that ASIC is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.40, ASIC is in the better half of the industry, outperforming 70.75% 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 0.4
ROIC/WACC0.73
WACC8.65%
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.
ASIC has a Current ratio of 0.03. This is in the better half of the industry: ASIC outperforms 61.22% of its industry peers.
ASIC has a Quick Ratio of 0.03. This is a bad value and indicates that ASIC is not financially healthy enough and could expect problems in meeting its short term obligations.
ASIC's Quick ratio of 0.03 is fine compared to the rest of the industry. ASIC outperforms 61.22% of its industry peers.
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

The Earnings Per Share is expected to grow by 36.80% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 35.51% on average over the next years. This is a very strong growth
EPS Next Y35.96%
EPS Next 2Y37.87%
EPS Next 3Y36.8%
EPS Next 5YN/A
Revenue Next Year24.87%
Revenue Next 2Y35.52%
Revenue Next 3Y35.51%
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

ASIC is valuated rather expensively with a Price/Earnings ratio of 18.94.
Based on the Price/Earnings ratio, ASIC is valued a bit more expensive than the industry average as 68.71% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.91, ASIC is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 9.96, the valuation of ASIC can be described as reasonable.
ASIC's Price/Forward Earnings is on the same level as the industry average.
ASIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.92.
Industry RankSector Rank
PE 18.94
Fwd PE 9.96
ASIC Price Earnings VS Forward Price EarningsASIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

ASIC's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. ASIC is more expensive than 65.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 19.55
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ASIC's earnings are expected to grow with 36.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y37.87%
EPS Next 3Y36.8%

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0

5. Dividend

5.1 Amount

ASIC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ATEGRITY SPECIALTY HOLDINGS

NYSE:ASIC (10/24/2025, 8:09:35 PM)

18.94

+0.17 (+0.91%)

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 Change0.04%
Ins Owners81.14%
Ins Owner Change36.31%
Market Cap910.45M
Revenue(TTM)319.79M
Net Income(TTM)47.09M
Analysts83.64
Price Target27.8 (46.78%)
Short Float %0.67%
Short Ratio0.46
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)0%
PT rev (3m)-4.94%
EPS NQ rev (1m)-0.76%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.94
Fwd PE 9.96
P/S 2.85
P/FCF N/A
P/OCF N/A
P/B 1.63
P/tB 1.63
EV/EBITDA 19.55
EPS(TTM)1
EY5.28%
EPS(NY)1.9
Fwd EY10.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.65
BVpS11.64
TBVpS11.64
PEG (NY)0.53
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 0.4
F-ScoreN/A
WACC8.65%
ROIC/WACC0.73
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 Y35.96%
EPS Next 2Y37.87%
EPS Next 3Y36.8%
EPS Next 5YN/A
Revenue 1Y (TTM)39.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year24.87%
Revenue Next 2Y35.52%
Revenue Next 3Y35.51%
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.