SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis

NASDAQ:SKWD • US8309401029

44.485 USD
-2.67 (-5.67%)
Last: Feb 24, 2026, 10:41 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

SKWD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 150 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

6

1. Profitability

1.1 Basic Checks

  • In the past year SKWD was profitable.
  • 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.
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

  • The Return On Assets of SKWD (3.06%) is better than 66.67% of its industry peers.
  • SKWD has a Return On Equity of 14.64%. This is in the better half of the industry: SKWD outperforms 70.00% of its industry peers.
  • With a decent Return On Invested Capital value of 3.60%, SKWD is doing good in the industry, outperforming 64.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SKWD is significantly below the industry average of 15.13%.
  • The last Return On Invested Capital (3.60%) for SKWD is above the 3 year average (2.80%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.06%
ROE 14.64%
ROIC 3.6%
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

  • The Profit Margin of SKWD (10.43%) is better than 64.67% of its industry peers.
  • In the last couple of years the Profit Margin of SKWD has grown nicely.
  • The Operating Margin of SKWD (15.16%) is better than 61.33% of its industry peers.
  • SKWD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.16%
PM (TTM) 10.43%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SKWD is destroying value.
  • SKWD has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, SKWD has an improved debt to assets ratio.
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

  • SKWD has a debt to FCF ratio of 0.32. This is a very positive value and a sign of high solvency as it would only need 0.32 years to pay back of all of its debts.
  • SKWD has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. SKWD outperforms 88.67% 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.
  • With a decent Debt to Equity ratio value of 0.12, SKWD is doing good in the industry, outperforming 73.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.32
Altman-Z N/A
ROIC/WACC0.42
WACC8.53%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.83% over the past year.
  • SKWD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 41.21% yearly.
  • SKWD shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.33%.
  • Measured over the past years, SKWD shows a very strong growth in Revenue. The Revenue has been growing by 27.94% on average per year.
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

  • SKWD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.82% yearly.
  • Based on estimates for the next years, SKWD will show a quite strong growth in Revenue. The Revenue will grow by 13.61% on average per year.
EPS Next Y28.31%
EPS Next 2Y26.67%
EPS Next 3Y22.16%
EPS Next 5Y17.82%
Revenue Next Year22.35%
Revenue Next 2Y26.36%
Revenue Next 3Y21.98%
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 2B
SKWD Yearly EPS VS EstimatesSKWD Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.22, the valuation of SKWD can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as SKWD.
  • SKWD is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.06 indicates a reasonable valuation of SKWD.
  • SKWD's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.75. SKWD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.22
Fwd PE 9.06
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

  • SKWD's Enterprise Value to EBITDA is on the same level as the industry average.
  • 68.00% 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 5.29
EV/EBITDA 9.82
SKWD Per share dataSKWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • The decent profitability rating of SKWD may justify a higher PE ratio.
  • SKWD's earnings are expected to grow with 22.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y26.67%
EPS Next 3Y22.16%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • SKWD does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SKYWARD SPECIALTY INSURANCE

NASDAQ:SKWD (2/24/2026, 10:41:51 AM)

44.485

-2.67 (-5.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)04-24
Inst Owners94.73%
Inst Owner Change-1.02%
Ins Owners7.4%
Ins Owner Change6.29%
Market Cap1.96B
Revenue(TTM)1.35B
Net Income(TTM)140.80M
Analysts81.05
Price Target64.97 (46.05%)
Short Float %3.21%
Short Ratio2.75
Dividend
Industry RankSector 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)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%
PT rev (3m)3.75%
EPS NQ rev (1m)1.57%
EPS NQ rev (3m)2.16%
EPS NY rev (1m)0.45%
EPS NY rev (3m)3.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.55%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 9.06
P/S 1.46
P/FCF 5.29
P/OCF 5.19
P/B 2.04
P/tB 2.25
EV/EBITDA 9.82
EPS(TTM)3.64
EY8.18%
EPS(NY)4.91
Fwd EY11.04%
FCF(TTM)8.41
FCFY18.91%
OCF(TTM)8.56
OCFY19.25%
SpS30.56
BVpS21.77
TBVpS19.76
PEG (NY)0.43
PEG (5Y)N/A
Graham Number42.22
Profitability
Industry RankSector Rank
ROA 3.06%
ROE 14.64%
ROCE 4.62%
ROIC 3.6%
ROICexc 3.74%
ROICexgc 5.57%
OM 15.16%
PM (TTM) 10.43%
GM N/A
FCFM 27.52%
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 RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.32
Debt/EBITDA 0.57
Cap/Depr 203.01%
Cap/Sales 0.5%
Interest Coverage 32.47
Cash Conversion 181.9%
Profit Quality 263.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.53%
ROIC/WACC0.42
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 Y28.31%
EPS Next 2Y26.67%
EPS Next 3Y22.16%
EPS Next 5Y17.82%
Revenue 1Y (TTM)26.33%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%27.13%
Revenue Next Year22.35%
Revenue Next 2Y26.36%
Revenue Next 3Y21.98%
Revenue Next 5Y13.61%
EBIT growth 1Y26.1%
EBIT growth 3Y44.22%
EBIT growth 5YN/A
EBIT Next Year51745.5%
EBIT Next 3Y795.39%
EBIT Next 5YN/A
FCF growth 1Y24%
FCF growth 3Y20.24%
FCF growth 5YN/A
OCF growth 1Y25.06%
OCF growth 3Y20.29%
OCF growth 5YN/A

SKYWARD SPECIALTY INSURANCE / SKWD FAQ

What is the fundamental rating for SKWD stock?

ChartMill assigns a fundamental rating of 5 / 10 to SKWD.


What is the valuation status of SKYWARD SPECIALTY INSURANCE (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.


What is the valuation of SKYWARD SPECIALTY INSURANCE based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SKYWARD SPECIALTY INSURANCE (SKWD) is 12.22 and the Price/Book (PB) ratio is 2.04.


How financially healthy is SKYWARD SPECIALTY INSURANCE?

The financial health rating of SKYWARD SPECIALTY INSURANCE (SKWD) is 3 / 10.