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SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis

NASDAQ:SKWD - Nasdaq - US8309401029 - Common Stock - Currency: USD

47.7  -0.84 (-1.73%)

After market: 47.7 0 (0%)

Fundamental Rating

5

Overall SKWD gets a fundamental rating of 5 out of 10. We evaluated SKWD against 141 industry peers in the Insurance industry. SKWD has a medium profitability rating, but doesn't score so well on its financial health evaluation. SKWD is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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6

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.
Of the past 5 years SKWD 4 years were profitable.
Each year in the past 5 years SKWD had a positive operating cash flow.
SKWD Yearly Net Income VS EBIT VS OCF VS FCFSKWD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

SKWD has a Return On Assets of 3.09%. This is in the better half of the industry: SKWD outperforms 66.43% of its industry peers.
SKWD's Return On Equity of 14.63% is fine compared to the rest of the industry. SKWD outperforms 73.43% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.30%, SKWD is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SKWD is in line with the industry average of 4.05%.
The 3 year average ROIC (2.80%) for SKWD is below the current ROIC(3.30%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.09%
ROE 14.63%
ROIC 3.3%
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.86%
ROE(5y)4.52%
ROIC(3y)2.8%
ROIC(5y)N/A
SKWD Yearly ROA, ROE, ROICSKWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

With a decent Profit Margin value of 10.29%, SKWD is doing good in the industry, outperforming 67.83% of the companies in the same industry.
In the last couple of years the Profit Margin of SKWD has grown nicely.
With a decent Operating Margin value of 13.66%, SKWD is doing good in the industry, outperforming 65.03% of the companies in the same industry.
In the last couple of years the Operating Margin of SKWD has grown nicely.
Industry RankSector Rank
OM 13.66%
PM (TTM) 10.29%
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
SKWD Yearly Profit, Operating, Gross MarginsSKWD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 10 -10

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3

2. Health

2.1 Basic Checks

SKWD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
SKWD has more shares outstanding than it did 1 year ago.
The debt/assets ratio for SKWD has been reduced compared to a year ago.
SKWD Yearly Shares OutstandingSKWD Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M 40M
SKWD Yearly Total Debt VS Total AssetsSKWD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of SKWD is 0.39, which is an excellent value as it means it would take SKWD, only 0.39 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.39, SKWD belongs to the top of the industry, outperforming 85.31% of the companies in the same industry.
SKWD has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
SKWD has a better Debt to Equity ratio (0.14) than 74.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACC0.38
WACC8.75%
SKWD Yearly LT Debt VS Equity VS FCFSKWD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SKWD Yearly Current Assets VS Current LiabilitesSKWD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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8

3. Growth

3.1 Past

SKWD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.44%, which is quite good.
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 22.46%.
SKWD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.94% yearly.
EPS 1Y (TTM)17.44%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%11.25%
Revenue 1Y (TTM)22.46%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%14.27%

3.2 Future

The Earnings Per Share is expected to grow by 13.70% on average over the next years. This is quite good.
SKWD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
EPS Next Y17.6%
EPS Next 2Y14.99%
EPS Next 3Y14.99%
EPS Next 5Y13.7%
Revenue Next Year16.35%
Revenue Next 2Y13.97%
Revenue Next 3Y12.61%
Revenue Next 5Y13.61%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
SKWD Yearly Revenue VS EstimatesSKWD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
SKWD Yearly EPS VS EstimatesSKWD Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.45, which indicates a correct valuation of SKWD.
SKWD's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.84. SKWD is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.79, the valuation of SKWD can be described as very reasonable.
SKWD's Price/Forward Earnings is on the same level as the industry average.
SKWD is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.45
Fwd PE 11.79
SKWD Price Earnings VS Forward Price EarningsSKWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SKWD is on the same level as its industry peers.
65.73% of the companies in the same industry are more expensive than SKWD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.35
EV/EBITDA 11.47
SKWD Per share dataSKWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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.
SKWD has a very decent profitability rating, which may justify a higher PE ratio.
SKWD's earnings are expected to grow with 14.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y14.99%
EPS Next 3Y14.99%

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0

5. Dividend

5.1 Amount

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

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SKYWARD SPECIALTY INSURANCE

NASDAQ:SKWD (8/15/2025, 8:00:02 PM)

After market: 47.7 0 (0%)

47.7

-0.84 (-1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners102.07%
Inst Owner Change-0.74%
Ins Owners7.55%
Ins Owner Change0.04%
Market Cap1.93B
Analysts77.78
Price Target62.11 (30.21%)
Short Float %2.41%
Short Ratio2.17
Dividend
Industry RankSector 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)8.47%
Min EPS beat(2)2.48%
Max EPS beat(2)14.46%
EPS beat(4)4
Avg EPS beat(4)11.12%
Min EPS beat(4)2.48%
Max EPS beat(4)19.97%
EPS beat(8)8
Avg EPS beat(8)18.41%
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)1
Avg Revenue beat(2)1.74%
Min Revenue beat(2)-0.12%
Max Revenue beat(2)3.61%
Revenue beat(4)2
Avg Revenue beat(4)0.4%
Min Revenue beat(4)-2.91%
Max Revenue beat(4)3.61%
Revenue beat(8)5
Avg Revenue beat(8)2.29%
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)-1.62%
PT rev (3m)3.2%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)0.35%
EPS NY rev (1m)0%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.37%
Valuation
Industry RankSector Rank
PE 14.45
Fwd PE 11.79
P/S 1.59
P/FCF 6.35
P/OCF 6.26
P/B 2.27
P/tB 2.52
EV/EBITDA 11.47
EPS(TTM)3.3
EY6.92%
EPS(NY)4.05
Fwd EY8.48%
FCF(TTM)7.52
FCFY15.76%
OCF(TTM)7.62
OCFY15.98%
SpS29.94
BVpS21.06
TBVpS18.9
PEG (NY)0.82
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.09%
ROE 14.63%
ROCE 4.23%
ROIC 3.3%
ROICexc 3.39%
ROICexgc 5.19%
OM 13.66%
PM (TTM) 10.29%
GM N/A
FCFM 25.11%
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
ROICexcg growth 3Y15.28%
ROICexcg 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-Score5
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.39
Debt/EBITDA 0.71
Cap/Depr 124.06%
Cap/Sales 0.34%
Interest Coverage 21.4
Cash Conversion 182.68%
Profit Quality 244.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.75%
ROIC/WACC0.38
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)17.44%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%11.25%
EPS Next Y17.6%
EPS Next 2Y14.99%
EPS Next 3Y14.99%
EPS Next 5Y13.7%
Revenue 1Y (TTM)22.46%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%14.27%
Revenue Next Year16.35%
Revenue Next 2Y13.97%
Revenue Next 3Y12.61%
Revenue Next 5Y13.61%
EBIT growth 1Y22.74%
EBIT growth 3Y44.22%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.45%
FCF growth 3Y20.24%
FCF growth 5YN/A
OCF growth 1Y13.94%
OCF growth 3Y20.29%
OCF growth 5YN/A