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SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SKWD - US8309401029 - Common Stock

45.2 USD
-0.9 (-1.95%)
Last: 1/13/2026, 8:00:02 PM
45.2 USD
0 (0%)
After Hours: 1/13/2026, 8:00:02 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to SKWD. SKWD was compared to 146 industry peers in the Insurance industry. SKWD has only an average score on both its financial health and profitability. An interesting combination arises when we look at growth and value: SKWD is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • SKWD had positive earnings in the past year.
  • SKWD had a positive operating cash flow in the past year.
  • Of the past 5 years SKWD 4 years were profitable.
  • In the past 5 years SKWD always reported a positive cash flow from operatings.
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 (3.07%) is better than 65.75% of its industry peers.
  • SKWD's Return On Equity of 14.67% is fine compared to the rest of the industry. SKWD outperforms 69.18% of its industry peers.
  • SKWD's Return On Invested Capital of 3.61% is fine compared to the rest of the industry. SKWD outperforms 64.38% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SKWD is significantly below the industry average of 15.11%.
  • 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 RankSector Rank
ROA 3.07%
ROE 14.67%
ROIC 3.61%
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.85%
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

  • SKWD has a Profit Margin of 10.45%. This is in the better half of the industry: SKWD outperforms 63.70% of its industry peers.
  • In the last couple of years the Profit Margin of SKWD has grown nicely.
  • The Operating Margin of SKWD (15.19%) is better than 63.01% of its industry peers.
  • SKWD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.19%
PM (TTM) 10.45%
GM N/A
OM growth 3Y12.78%
OM growth 5YN/A
PM growth 3Y14.05%
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 5 -5 10 -10 -15

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4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SKWD is destroying value.
  • Compared to 1 year ago, SKWD has about the same amount of shares outstanding.
  • SKWD has a better debt/assets ratio than last year.
SKWD Yearly Shares OutstandingSKWD Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 0 0 0 0 0
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 0.32, 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 has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. SKWD outperforms 88.36% 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.
  • SKWD has a better Debt to Equity ratio (0.12) than 72.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.32
Altman-Z N/A
ROIC/WACC0.42
WACC8.61%
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 26.83%, which is quite impressive.
  • The Earnings Per Share has been growing by 41.67% on average over the past years. This is a very strong growth
  • SKWD shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.33%.
  • The Revenue has been growing by 27.94% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)26.83%
EPS 3Y41.67%
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

  • Based on estimates for the next years, SKWD will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.82% on average per year.
  • 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 Y27.81%
EPS Next 2Y25.76%
EPS Next 3Y21.41%
EPS Next 5Y17.82%
Revenue Next Year22.35%
Revenue Next 2Y26.19%
Revenue Next 3Y22.14%
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 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

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7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.42, SKWD is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of SKWD is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.30. SKWD is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.34, which indicates a very decent valuation of SKWD.
  • Based on the Price/Forward Earnings ratio, SKWD is valued a bit cheaper than 62.33% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.04. SKWD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.42
Fwd PE 9.34
SKWD Price Earnings VS Forward Price EarningsSKWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • SKWD's Enterprise Value to EBITDA ratio is in line with the industry average.
  • 71.92% 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 4.93
EV/EBITDA 8.59
SKWD Per share dataSKWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • A more expensive valuation may be justified as SKWD's earnings are expected to grow with 21.41% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y25.76%
EPS Next 3Y21.41%

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0

5. Dividend

5.1 Amount

  • No dividends for SKWD!.
Industry RankSector Rank
Dividend Yield 0%

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SKYWARD SPECIALTY INSURANCE

NASDAQ:SKWD (1/13/2026, 8:00:02 PM)

After market: 45.2 0 (0%)

45.2

-0.9 (-1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-29
Earnings (Next)02-16
Inst Owners94.73%
Inst Owner Change-0.02%
Ins Owners7.4%
Ins Owner Change6.16%
Market Cap1.83B
Revenue(TTM)1.35B
Net Income(TTM)141.00M
Analysts81.11
Price Target64.67 (43.08%)
Short Float %3.18%
Short Ratio3.17
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)0.63%
PT rev (3m)3.75%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)4.42%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.12%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)5.54%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 9.34
P/S 1.36
P/FCF 4.93
P/OCF 4.84
P/B 1.9
P/tB 2.1
EV/EBITDA 8.59
EPS(TTM)3.64
EY8.05%
EPS(NY)4.84
Fwd EY10.71%
FCF(TTM)9.17
FCFY20.28%
OCF(TTM)9.34
OCFY20.65%
SpS33.34
BVpS23.73
TBVpS21.56
PEG (NY)0.45
PEG (5Y)N/A
Graham Number44.09
Profitability
Industry RankSector Rank
ROA 3.07%
ROE 14.67%
ROCE 4.63%
ROIC 3.61%
ROICexc 3.75%
ROICexgc 5.58%
OM 15.19%
PM (TTM) 10.45%
GM N/A
FCFM 27.5%
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.85%
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 3Y15.35%
ROICexgc growth 5YN/A
ROICexc growth 3Y19.93%
ROICexc growth 5YN/A
OM growth 3Y12.78%
OM growth 5YN/A
PM growth 3Y14.05%
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 0.58
Cap/Depr 202.98%
Cap/Sales 0.51%
Interest Coverage 32.54
Cash Conversion 181.42%
Profit Quality 263.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.61%
ROIC/WACC0.42
Cap/Depr(3y)87.64%
Cap/Depr(5y)67.44%
Cap/Sales(3y)0.36%
Cap/Sales(5y)0.39%
Profit Quality(3y)553.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.83%
EPS 3Y41.67%
EPS 5YN/A
EPS Q2Q%47.89%
EPS Next Y27.81%
EPS Next 2Y25.76%
EPS Next 3Y21.41%
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 2Y26.19%
Revenue Next 3Y22.14%
Revenue Next 5Y13.61%
EBIT growth 1Y26.33%
EBIT growth 3Y44.29%
EBIT growth 5YN/A
EBIT Next Year51745.5%
EBIT Next 3Y795.39%
EBIT Next 5YN/A
FCF growth 1Y23.89%
FCF growth 3Y20.22%
FCF growth 5YN/A
OCF growth 1Y24.96%
OCF growth 3Y20.27%
OCF growth 5YN/A

SKYWARD SPECIALTY INSURANCE / SKWD FAQ

What is the fundamental rating for SKWD stock?

ChartMill assigns a fundamental rating of 6 / 10 to SKWD.


What is the valuation status of SKYWARD SPECIALTY INSURANCE (SKWD) stock?

ChartMill assigns a valuation rating of 7 / 10 to SKYWARD SPECIALTY INSURANCE (SKWD). This can be considered as Undervalued.


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 12.42 and the Price/Book (PB) ratio is 1.9.


How financially healthy is SKYWARD SPECIALTY INSURANCE?

The financial health rating of SKYWARD SPECIALTY INSURANCE (SKWD) is 4 / 10.