48.96 USD
-0.04 (-0.08%)
48.96 USD
0 (0%)
Taking everything into account, SKWD scores 5 out of 10 in our fundamental rating. SKWD was compared to 147 industry peers in the Insurance industry. There are concerns on the financial health of SKWD while its profitability can be described as average. SKWD is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
SKWD had positive earnings in the past year.
In the past year SKWD had a positive cash flow from operations.
SKWD had positive earnings in 4 of the past 5 years.
Each year in the past 5 years SKWD had a positive operating cash flow.
1.2 Ratios
SKWD's Return On Assets of 3.07% is fine compared to the rest of the industry. SKWD outperforms 63.95% of its industry peers.
With a decent Return On Equity value of 14.69%, SKWD is doing good in the industry, outperforming 68.71% of the companies in the same industry.
SKWD has a Return On Invested Capital of 3.61%. This is in the better half of the industry: SKWD outperforms 63.27% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SKWD is in line with the industry average of 4.52%.
The last Return On Invested Capital (3.61%) for SKWD is above the 3 year average (2.80%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.07% | ||
| ROE | 14.69% | ||
| ROIC | 3.61% |
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.86%
ROE(5y)4.52%
ROIC(3y)2.8%
ROIC(5y)N/A
1.3 Margins
SKWD has a better Profit Margin (10.46%) than 63.27% of its industry peers.
In the last couple of years the Profit Margin of SKWD has grown nicely.
SKWD has a Operating Margin of 15.19%. This is in the better half of the industry: SKWD outperforms 63.95% of its industry peers.
SKWD's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.19% | ||
| PM (TTM) | 10.46% | ||
| GM | N/A |
OM growth 3Y12.72%
OM growth 5YN/A
PM growth 3Y14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SKWD is destroying value.
The number of shares outstanding for SKWD has been increased compared to 1 year ago.
The debt/assets ratio for SKWD has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SKWD is 0.32, which is an excellent value as it means it would take SKWD, only 0.32 years of fcf income to pay off all of its debts.
SKWD's Debt to FCF ratio of 0.32 is amongst the best of the industry. SKWD outperforms 87.76% of its industry peers.
SKWD has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.12, SKWD is in the better half of the industry, outperforming 72.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | N/A |
ROIC/WACC0.43
WACC8.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.83% over the past year.
Measured over the past years, SKWD shows a very strong growth in Earnings Per Share. The EPS has been growing by 41.21% on average per year.
Looking at the last year, SKWD shows a very strong growth in Revenue. The Revenue has grown by 26.33%.
SKWD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.94% yearly.
EPS 1Y (TTM)26.83%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%47.89%
Revenue 1Y (TTM)26.33%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%27.13%
3.2 Future
The Earnings Per Share is expected to grow by 18.23% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.61% on average over the next years. This is quite good.
EPS Next Y23.85%
EPS Next 2Y21.53%
EPS Next 3Y19.57%
EPS Next 5Y18.23%
Revenue Next Year18.15%
Revenue Next 2Y21.77%
Revenue Next 3Y20.31%
Revenue Next 5Y13.61%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.45, the valuation of SKWD can be described as correct.
SKWD's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.31, SKWD is valued a bit cheaper.
SKWD is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SKWD is on the same level as its industry peers.
SKWD is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
SKWD's Enterprise Value to EBITDA is on the same level as the industry average.
70.07% of the companies in the same industry are more expensive than SKWD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.34 | ||
| EV/EBITDA | 9.33 |
4.3 Compensation for Growth
SKWD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of SKWD may justify a higher PE ratio.
SKWD's earnings are expected to grow with 19.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y21.53%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
SKWD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
48.96
-0.04 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.5%
Inst Owner Change2.08%
Ins Owners7.55%
Ins Owner Change-1.35%
Market Cap1.98B
Revenue(TTM)1.35B
Net Income(TTM)141.20M
Analysts81.11
Price Target62.63 (27.92%)
Short Float %2.56%
Short Ratio1.95
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)2
Avg EPS beat(2)8.56%
Min EPS beat(2)1.05%
Max EPS beat(2)16.07%
EPS beat(4)4
Avg EPS beat(4)8.51%
Min EPS beat(4)1.05%
Max EPS beat(4)16.07%
EPS beat(8)8
Avg EPS beat(8)10.26%
EPS beat(12)12
Avg EPS beat(12)18.43%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.2%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)11.73%
Revenue beat(4)2
Avg Revenue beat(4)2.97%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)11.73%
Revenue beat(8)4
Avg Revenue beat(8)1.42%
Revenue beat(12)8
Avg Revenue beat(12)3.28%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.47%
PT rev (3m)3.68%
EPS NQ rev (1m)6.6%
EPS NQ rev (3m)4.72%
EPS NY rev (1m)3.18%
EPS NY rev (3m)4.56%
Revenue NQ rev (1m)8%
Revenue NQ rev (3m)8.12%
Revenue NY rev (1m)1.92%
Revenue NY rev (3m)2.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 10.83 | ||
| P/S | 1.47 | ||
| P/FCF | 5.34 | ||
| P/OCF | 5.24 | ||
| P/B | 2.06 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 9.33 |
EPS(TTM)3.64
EY7.43%
EPS(NY)4.52
Fwd EY9.23%
FCF(TTM)9.17
FCFY18.73%
OCF(TTM)9.34
OCFY19.08%
SpS33.34
BVpS23.74
TBVpS21.56
PEG (NY)0.56
PEG (5Y)N/A
Graham Number44.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.07% | ||
| ROE | 14.69% | ||
| ROCE | 4.63% | ||
| ROIC | 3.61% | ||
| ROICexc | 3.74% | ||
| ROICexgc | 5.58% | ||
| OM | 15.19% | ||
| PM (TTM) | 10.46% | ||
| GM | N/A | ||
| FCFM | 27.51% |
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.86%
ROE(5y)4.52%
ROIC(3y)2.8%
ROIC(5y)N/A
ROICexc(3y)2.88%
ROICexc(5y)N/A
ROICexgc(3y)4.48%
ROICexgc(5y)N/A
ROCE(3y)3.6%
ROCE(5y)N/A
ROICexgc growth 3Y15.28%
ROICexgc growth 5YN/A
ROICexc growth 3Y19.87%
ROICexc growth 5YN/A
OM growth 3Y12.72%
OM growth 5YN/A
PM growth 3Y14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.32 | ||
| Debt/EBITDA | 0.57 | ||
| Cap/Depr | 203.19% | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | 32.54 | ||
| Cash Conversion | 181.49% | ||
| Profit Quality | 263.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.45%
ROIC/WACC0.43
Cap/Depr(3y)87.68%
Cap/Depr(5y)67.47%
Cap/Sales(3y)0.36%
Cap/Sales(5y)0.39%
Profit Quality(3y)552.8%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.83%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%47.89%
EPS Next Y23.85%
EPS Next 2Y21.53%
EPS Next 3Y19.57%
EPS Next 5Y18.23%
Revenue 1Y (TTM)26.33%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%27.13%
Revenue Next Year18.15%
Revenue Next 2Y21.77%
Revenue Next 3Y20.31%
Revenue Next 5Y13.61%
EBIT growth 1Y26.35%
EBIT growth 3Y44.22%
EBIT growth 5YN/A
EBIT Next Year51745.5%
EBIT Next 3Y795.39%
EBIT Next 5YN/A
FCF growth 1Y23.96%
FCF growth 3Y20.24%
FCF growth 5YN/A
OCF growth 1Y25.03%
OCF growth 3Y20.29%
OCF growth 5YN/A
SKYWARD SPECIALTY INSURANCE / SKWD FAQ
What is the ChartMill fundamental rating of SKYWARD SPECIALTY INSURANCE (SKWD) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SKWD.
What is the valuation status for SKWD stock?
ChartMill assigns a valuation rating of 6 / 10 to SKYWARD SPECIALTY INSURANCE (SKWD). This can be considered as Fairly Valued.
What is the profitability of SKWD stock?
SKYWARD SPECIALTY INSURANCE (SKWD) has a profitability rating of 6 / 10.
Can you provide the financial health for SKWD stock?
The financial health rating of SKYWARD SPECIALTY INSURANCE (SKWD) is 3 / 10.