SKYWARD SPECIALTY INSURANCE (SKWD) Fundamental Analysis & Valuation

NASDAQ:SKWD • US8309401029

Current stock price

42.13 USD
-1.13 (-2.61%)
At close:
42.13 USD
0 (0%)
After Hours:

This SKWD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. SKWD Profitability Analysis

1.1 Basic Checks

  • SKWD had positive earnings in the past year.
  • In the past year SKWD had a positive cash flow from operations.
  • In the past 5 years SKWD has always been 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 2025 0 100M 200M 300M 400M

1.2 Ratios

  • SKWD's Return On Assets of 3.55% is fine compared to the rest of the industry. SKWD outperforms 68.24% of its industry peers.
  • With a decent Return On Equity value of 16.84%, SKWD is doing good in the industry, outperforming 71.62% of the companies in the same industry.
  • The Return On Invested Capital of SKWD (4.10%) is better than 64.86% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SKWD is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (4.10%) for SKWD is above the 3 year average (3.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.55%
ROE 16.84%
ROIC 4.1%
ROA(3y)3.2%
ROA(5y)2.45%
ROE(3y)14.85%
ROE(5y)11.68%
ROIC(3y)3.54%
ROIC(5y)2.89%
SKWD Yearly ROA, ROE, ROICSKWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 10 -10

1.3 Margins

  • With a decent Profit Margin value of 11.98%, SKWD is doing good in the industry, outperforming 68.92% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SKWD has grown nicely.
  • SKWD has a Operating Margin of 17.10%. This is in the better half of the industry: SKWD outperforms 67.57% of its industry peers.
  • SKWD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.1%
PM (TTM) 11.98%
GM N/A
OM growth 3Y25.03%
OM growth 5YN/A
PM growth 3Y55.44%
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 2025 0 10 -10

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3

2. SKWD Health Analysis

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 more shares outstanding
  • The number of shares outstanding for SKWD has been increased compared to 5 years 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 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • SKWD has a debt to FCF ratio of 0.30. This is a very positive value and a sign of high solvency as it would only need 0.30 years to pay back of all of its debts.
  • SKWD has a Debt to FCF ratio of 0.30. This is amongst the best in the industry. SKWD outperforms 86.49% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that SKWD is not too dependend on debt financing.
  • The Debt to Equity ratio of SKWD (0.12) is better than 74.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.3
Altman-Z N/A
ROIC/WACC0.47
WACC8.78%
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 2025 200M 400M 600M 800M 1B

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 2025 50M 100M 150M

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8

3. SKWD Growth Analysis

3.1 Past

  • SKWD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.05%, which is quite impressive.
  • The Earnings Per Share has been growing by 94.82% on average over the past years. This is a very strong growth
  • The Revenue has grown by 24.18% in the past year. This is a very strong growth!
  • SKWD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.72% yearly.
EPS 1Y (TTM)31.05%
EPS 3Y94.82%
EPS 5YN/A
EPS Q2Q%46.25%
Revenue 1Y (TTM)24.18%
Revenue growth 3Y30.22%
Revenue growth 5Y25.72%
Sales Q2Q%26.67%

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 13.76% on average per year.
  • SKWD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.10% yearly.
EPS Next Y23.89%
EPS Next 2Y17.94%
EPS Next 3Y17.45%
EPS Next 5Y13.76%
Revenue Next Year29.67%
Revenue Next 2Y20.56%
Revenue Next 3Y18.1%
Revenue Next 5YN/A

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.
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. SKWD Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.51, which indicates a very decent valuation of SKWD.
  • The rest of the industry has a similar Price/Earnings ratio as SKWD.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, SKWD is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.48, the valuation of SKWD can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SKWD indicates a somewhat cheap valuation: SKWD is cheaper than 62.84% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. SKWD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.51
Fwd PE 8.48
SKWD Price Earnings VS Forward Price EarningsSKWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as SKWD.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SKWD indicates a somewhat cheap valuation: SKWD is cheaper than 67.57% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.68
EV/EBITDA 7.41
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 17.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)N/A
EPS Next 2Y17.94%
EPS Next 3Y17.45%

More info and screens

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

0

5. SKWD Dividend Analysis

5.1 Amount

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

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SKWD Fundamentals: All Metrics, Ratios and Statistics

SKYWARD SPECIALTY INSURANCE

NASDAQ:SKWD (3/27/2026, 8:00:03 PM)

After market: 42.13 0 (0%)

42.13

-1.13 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)04-24
Inst Owners87.79%
Inst Owner Change-1.02%
Ins Owners8.22%
Ins Owner Change6.85%
Market Cap1.87B
Revenue(TTM)1.42B
Net Income(TTM)170.03M
Analysts80
Price Target62.68 (48.78%)
Short Float %4.29%
Short Ratio3.25
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)14.41%
Min EPS beat(2)12.75%
Max EPS beat(2)16.07%
EPS beat(4)4
Avg EPS beat(4)11.08%
Min EPS beat(4)1.05%
Max EPS beat(4)16.07%
EPS beat(8)8
Avg EPS beat(8)11.27%
EPS beat(12)12
Avg EPS beat(12)16.44%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)6.65%
Min Revenue beat(2)1.58%
Max Revenue beat(2)11.73%
Revenue beat(4)3
Avg Revenue beat(4)3.4%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)11.73%
Revenue beat(8)5
Avg Revenue beat(8)1.82%
Revenue beat(12)8
Avg Revenue beat(12)2.92%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.53%
PT rev (3m)-3.07%
EPS NQ rev (1m)1.11%
EPS NQ rev (3m)1.89%
EPS NY rev (1m)1.18%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)-2.38%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)-0.64%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 8.48
P/S 1.32
P/FCF 4.68
P/OCF 4.59
P/B 1.86
P/tB 2.03
EV/EBITDA 7.41
EPS(TTM)4.01
EY9.52%
EPS(NY)4.97
Fwd EY11.79%
FCF(TTM)9.01
FCFY21.38%
OCF(TTM)9.18
OCFY21.78%
SpS31.9
BVpS22.7
TBVpS20.72
PEG (NY)0.44
PEG (5Y)N/A
Graham Number45.26
Profitability
Industry RankSector Rank
ROA 3.55%
ROE 16.84%
ROCE 5.24%
ROIC 4.1%
ROICexc 4.25%
ROICexgc 6.59%
OM 17.1%
PM (TTM) 11.98%
GM N/A
FCFM 28.24%
ROA(3y)3.2%
ROA(5y)2.45%
ROE(3y)14.85%
ROE(5y)11.68%
ROIC(3y)3.54%
ROIC(5y)2.89%
ROICexc(3y)3.65%
ROICexc(5y)2.98%
ROICexgc(3y)5.59%
ROICexgc(5y)4.69%
ROCE(3y)4.52%
ROCE(5y)3.7%
ROICexgc growth 3Y25.88%
ROICexgc growth 5YN/A
ROICexc growth 3Y29.4%
ROICexc growth 5YN/A
OM growth 3Y25.03%
OM growth 5YN/A
PM growth 3Y55.44%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.3
Debt/EBITDA 0.49
Cap/Depr 210.86%
Cap/Sales 0.53%
Interest Coverage 39.45
Cash Conversion 165.79%
Profit Quality 235.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.78%
ROIC/WACC0.47
Cap/Depr(3y)139.27%
Cap/Depr(5y)102.64%
Cap/Sales(3y)0.42%
Cap/Sales(5y)0.4%
Profit Quality(3y)295.41%
Profit Quality(5y)469.2%
High Growth Momentum
Growth
EPS 1Y (TTM)31.05%
EPS 3Y94.82%
EPS 5YN/A
EPS Q2Q%46.25%
EPS Next Y23.89%
EPS Next 2Y17.94%
EPS Next 3Y17.45%
EPS Next 5Y13.76%
Revenue 1Y (TTM)24.18%
Revenue growth 3Y30.22%
Revenue growth 5Y25.72%
Sales Q2Q%26.67%
Revenue Next Year29.67%
Revenue Next 2Y20.56%
Revenue Next 3Y18.1%
Revenue Next 5YN/A
EBIT growth 1Y55.51%
EBIT growth 3Y62.82%
EBIT growth 5YN/A
EBIT Next Year50775.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y33.15%
FCF growth 3Y24.7%
FCF growth 5Y56.55%
OCF growth 1Y33.74%
OCF growth 3Y25.01%
OCF growth 5Y55.63%

SKYWARD SPECIALTY INSURANCE / SKWD Fundamental Analysis 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 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 10.51 and the Price/Book (PB) ratio is 1.86.


How financially healthy is SKYWARD SPECIALTY INSURANCE?

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