OCTAVE SPECIALTY GROUP INC (OSG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OSG - US0231398845 - Common Stock
7.94 USD
-0.14 (-1.73%)
We assign a fundamental rating of 3 out of 10 to OSG. OSG was compared to 148 industry peers in the Insurance industry. OSG scores excellent on profitability, but there are concerns on its financial health. OSG has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year OSG has reported negative net income.
OSG had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: OSG reported negative net income in multiple years.
In multiple years OSG reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.92%, OSG belongs to the top of the industry, outperforming 87.16% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.90%, OSG belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
OSG's Return On Invested Capital of 8.79% is amongst the best of the industry. OSG outperforms 91.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.92% | ||
| ROE | 17.9% | ||
| ROIC | 8.79% |
ROA(3y)1.32%
ROA(5y)1.43%
ROE(3y)3.93%
ROE(5y)4.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 14.26%, OSG is doing good in the industry, outperforming 77.03% of the companies in the same industry.
In the last couple of years the Profit Margin of OSG has grown nicely.
OSG has a Operating Margin of 21.49%. This is in the better half of the industry: OSG outperforms 75.00% of its industry peers.
In the last couple of years the Operating Margin of OSG has grown nicely.
The Gross Margin of OSG (57.90%) is better than 94.59% of its industry peers.
OSG's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.49% | ||
| PM (TTM) | 14.26% | ||
| GM | 57.9% |
OM growth 3Y30.51%
OM growth 5Y27.84%
PM growth 3Y24.48%
PM growth 5Y30.25%
GM growth 3Y3.28%
GM growth 5Y1.68%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), OSG is creating some value.
OSG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
Based on the Altman-Z score of 0.73, we must say that OSG is in the distress zone and has some risk of bankruptcy.
OSG's Altman-Z score of 0.73 is fine compared to the rest of the industry. OSG outperforms 75.68% of its industry peers.
The Debt to FCF ratio of OSG is 7.05, which is on the high side as it means it would take OSG, 7.05 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OSG (7.05) is worse than 67.57% of its industry peers.
A Debt/Equity ratio of 0.93 indicates that OSG is somewhat dependend on debt financing.
The Debt to Equity ratio of OSG (0.93) is worse than 88.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 7.05 | ||
| Altman-Z | 0.73 |
ROIC/WACC1.18
WACC7.48%
2.3 Liquidity
A Current Ratio of 0.67 indicates that OSG may have some problems paying its short term obligations.
OSG has a better Current ratio (0.67) than 75.68% of its industry peers.
OSG has a Quick Ratio of 0.67. This is a bad value and indicates that OSG is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.63, OSG is doing good in the industry, outperforming 75.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
The earnings per share for OSG have decreased strongly by -179.07% in the last year.
The earnings per share for OSG have been decreasing by -21.40% on average. This is quite bad
EPS 1Y (TTM)-179.07%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%54.35%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
3.2 Future
Based on estimates for the next years, OSG will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.88% on average per year.
OSG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -4.34% yearly.
EPS Next Y-283.96%
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
EPS Next 5YN/A
Revenue Next Year-25.27%
Revenue Next 2Y-13.2%
Revenue Next 3Y-4.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for OSG. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 314.46, which means the current valuation is very expensive for OSG.
82.43% of the companies in the same industry are cheaper than OSG, based on the Price/Forward Earnings ratio.
OSG's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 314.46 |
4.2 Price Multiples
83.78% of the companies in the same industry are more expensive than OSG, based on the Enterprise Value to EBITDA ratio.
64.86% of the companies in the same industry are more expensive than OSG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.22 | ||
| EV/EBITDA | 3.81 |
4.3 Compensation for Growth
OSG has a very decent profitability rating, which may justify a higher PE ratio.
OSG's earnings are expected to decrease with -12.88% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
5. Dividend
5.1 Amount
No dividends for OSG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:OSG (12/26/2025, 2:04:31 PM)
7.94
-0.14 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.9%
Inst Owner Change0%
Ins Owners8.83%
Ins Owner Change0%
Market Cap347.85M
Revenue(TTM)N/A
Net Income(TTM)64.96M
Analysts80
Price TargetN/A
Short Float %6%
Short Ratio3.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)2
Avg EPS beat(2)1269.66%
Min EPS beat(2)855.15%
Max EPS beat(2)1684.16%
EPS beat(4)4
Avg EPS beat(4)963.25%
Min EPS beat(4)143.32%
Max EPS beat(4)1684.16%
EPS beat(8)8
Avg EPS beat(8)684.06%
EPS beat(12)12
Avg EPS beat(12)495.4%
EPS beat(16)15
Avg EPS beat(16)379.42%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 314.46 | ||
| P/S | 0.76 | ||
| P/FCF | 6.22 | ||
| P/OCF | 3.78 | ||
| P/B | 0.96 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | 3.81 |
EPS(TTM)-0.68
EYN/A
EPS(NY)0.03
Fwd EY0.32%
FCF(TTM)1.28
FCFY16.08%
OCF(TTM)2.1
OCFY26.45%
SpS10.4
BVpS8.28
TBVpS8
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.92% | ||
| ROE | 17.9% | ||
| ROCE | 10.61% | ||
| ROIC | 8.79% | ||
| ROICexc | 9.83% | ||
| ROICexgc | 9.97% | ||
| OM | 21.49% | ||
| PM (TTM) | 14.26% | ||
| GM | 57.9% | ||
| FCFM | 12.28% |
ROA(3y)1.32%
ROA(5y)1.43%
ROE(3y)3.93%
ROE(5y)4.45%
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 3Y41.64%
ROICexgc growth 5Y27.87%
ROICexc growth 3Y42.19%
ROICexc growth 5Y28.84%
OM growth 3Y30.51%
OM growth 5Y27.84%
PM growth 3Y24.48%
PM growth 5Y30.25%
GM growth 3Y3.28%
GM growth 5Y1.68%
F-Score7
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 7.05 | ||
| Debt/EBITDA | 2.02 | ||
| Cap/Depr | 52.16% | ||
| Cap/Sales | 7.92% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 55.07% | ||
| Profit Quality | 86.1% | ||
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 0.73 |
F-Score7
WACC7.48%
ROIC/WACC1.18
Cap/Depr(3y)22.51%
Cap/Depr(5y)85.69%
Cap/Sales(3y)3.45%
Cap/Sales(5y)12.56%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-179.07%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%54.35%
EPS Next Y-283.96%
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-25.27%
Revenue Next 2Y-13.2%
Revenue Next 3Y-4.34%
Revenue Next 5YN/A
EBIT growth 1Y25.69%
EBIT growth 3Y33.87%
EBIT growth 5Y33.33%
EBIT Next Year-13.3%
EBIT Next 3Y-21.01%
EBIT Next 5Y-11.22%
FCF growth 1Y960.46%
FCF growth 3YN/A
FCF growth 5Y25.59%
OCF growth 1Y11600.1%
OCF growth 3Y25.01%
OCF growth 5Y17.85%
OCTAVE SPECIALTY GROUP INC / OSG FAQ
What is the ChartMill fundamental rating of OCTAVE SPECIALTY GROUP INC (OSG) stock?
ChartMill assigns a fundamental rating of 3 / 10 to OSG.
What is the valuation status of OCTAVE SPECIALTY GROUP INC (OSG) stock?
ChartMill assigns a valuation rating of 2 / 10 to OCTAVE SPECIALTY GROUP INC (OSG). This can be considered as Overvalued.
Can you provide the profitability details for OCTAVE SPECIALTY GROUP INC?
OCTAVE SPECIALTY GROUP INC (OSG) has a profitability rating of 7 / 10.
How financially healthy is OCTAVE SPECIALTY GROUP INC?
The financial health rating of OCTAVE SPECIALTY GROUP INC (OSG) is 2 / 10.