SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis
USA - NASDAQ:SKWD - US8309401029 - Common Stock
46.34 USD
-0.26 (-0.56%)
46.34 USD
0 (0%)
SKWD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
Each year in the past 5 years SKWD had a positive operating cash flow.
1.2 Ratios
SKWD has a better Return On Assets (3.05%) than 65.31% of its industry peers.
SKWD has a better Return On Equity (14.70%) than 72.11% of its industry peers.
SKWD's Return On Invested Capital of 3.28% is fine compared to the rest of the industry. SKWD outperforms 64.63% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SKWD is in line with the industry average of 4.46%.
The last Return On Invested Capital (3.28%) for SKWD is above the 3 year average (2.80%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 14.7% | ||
| ROIC | 3.28% |
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
With a decent Profit Margin value of 10.58%, SKWD is doing good in the industry, outperforming 68.03% 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 14.06%. This is in the better half of the industry: SKWD outperforms 61.22% of its industry peers.
In the last couple of years the Operating Margin of SKWD has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.06% | ||
| PM (TTM) | 10.58% | ||
| 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
SKWD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. SKWD outperforms 88.44% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that SKWD is not too dependend on debt financing.
SKWD has a better Debt to Equity ratio (0.13) than 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.46%
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 nice 17.44% 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.
SKWD shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.46%.
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)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
Based on estimates for the next years, SKWD will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.70% on average per year.
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 Y20.04%
EPS Next 2Y20.05%
EPS Next 3Y18.91%
EPS Next 5Y13.7%
Revenue Next Year15.92%
Revenue Next 2Y18.86%
Revenue Next 3Y19.42%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.04, SKWD is valued correctly.
SKWD's Price/Earnings ratio is in line with the industry average.
SKWD's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.89.
With a Price/Forward Earnings ratio of 10.51, the valuation of SKWD can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SKWD is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, SKWD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 10.51 |
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.
73.47% 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 | 5.07 | ||
| EV/EBITDA | 10.37 |
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 18.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y20.05%
EPS Next 3Y18.91%
5. Dividend
5.1 Amount
No dividends for SKWD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
46.34
-0.26 (-0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.5%
Inst Owner Change-1.39%
Ins Owners7.55%
Ins Owner Change-0.87%
Market Cap1.88B
Revenue(TTM)1.25B
Net Income(TTM)132.30M
Analysts80
Price Target62.33 (34.51%)
Short Float %3.41%
Short Ratio2.53
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)7.75%
Min EPS beat(2)1.05%
Max EPS beat(2)14.46%
EPS beat(4)4
Avg EPS beat(4)6.39%
Min EPS beat(4)1.05%
Max EPS beat(4)14.46%
EPS beat(8)8
Avg EPS beat(8)17.68%
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)0.14%
Min Revenue beat(2)-3.34%
Max Revenue beat(2)3.61%
Revenue beat(4)2
Avg Revenue beat(4)0.29%
Min Revenue beat(4)-3.34%
Max Revenue beat(4)3.61%
Revenue beat(8)4
Avg Revenue beat(8)1.27%
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)0.18%
PT rev (3m)-1.08%
EPS NQ rev (1m)5.45%
EPS NQ rev (3m)7.68%
EPS NY rev (1m)0.82%
EPS NY rev (3m)2.07%
Revenue NQ rev (1m)0.32%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 10.51 | ||
| P/S | 1.5 | ||
| P/FCF | 5.07 | ||
| P/OCF | 5 | ||
| P/B | 2.08 | ||
| P/tB | 2.31 | ||
| EV/EBITDA | 10.37 |
EPS(TTM)3.3
EY7.12%
EPS(NY)4.41
Fwd EY9.52%
FCF(TTM)9.15
FCFY19.74%
OCF(TTM)9.26
OCFY19.99%
SpS30.89
BVpS22.23
TBVpS20.03
PEG (NY)0.7
PEG (5Y)N/A
Graham Number40.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 14.7% | ||
| ROCE | 4.21% | ||
| ROIC | 3.28% | ||
| ROICexc | 3.39% | ||
| ROICexgc | 5.18% | ||
| OM | 14.06% | ||
| PM (TTM) | 10.58% | ||
| GM | N/A | ||
| FCFM | 29.6% |
ROA(3y)2.3%
ROA(5y)0.98%
ROE(3y)10.86%
ROE(5y)4.52%
ROIC(3y)2.8%
ROIC(5y)N/A
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 | 0.13 | ||
| Debt/FCF | 0.32 | ||
| Debt/EBITDA | 0.67 | ||
| Cap/Depr | 141.19% | ||
| Cap/Sales | 0.38% | ||
| Interest Coverage | 25.25 | ||
| Cash Conversion | 209.2% | ||
| Profit Quality | 279.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.46%
ROIC/WACC0.39
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 Y20.04%
EPS Next 2Y20.05%
EPS Next 3Y18.91%
EPS Next 5Y13.7%
Revenue 1Y (TTM)22.46%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%14.27%
Revenue Next Year15.92%
Revenue Next 2Y18.86%
Revenue Next 3Y19.42%
Revenue Next 5Y13.61%
EBIT growth 1Y12%
EBIT growth 3Y44.22%
EBIT growth 5YN/A
EBIT Next Year51745.5%
EBIT Next 3Y795.39%
EBIT Next 5YN/A
FCF growth 1Y47.83%
FCF growth 3Y20.24%
FCF growth 5YN/A
OCF growth 1Y48.01%
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.