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SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis

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

56.93  +0.12 (+0.21%)

After market: 56.93 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SKWD. SKWD was compared to 144 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

In the past year SKWD was profitable.
In the past year SKWD had a positive cash flow from operations.
Of the past 5 years SKWD 4 years were profitable.
SKWD had a positive operating cash flow in each of the past 5 years.
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's Return On Assets of 3.08% is fine compared to the rest of the industry. SKWD outperforms 70.83% of its industry peers.
With a decent Return On Equity value of 14.59%, SKWD is doing good in the industry, outperforming 72.92% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.28%, SKWD is in the better half of the industry, outperforming 70.14% 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 4.08%.
The 3 year average ROIC (2.80%) for SKWD is below the current ROIC(3.28%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.08%
ROE 14.59%
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
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 (10.26%) is better than 68.75% of its industry peers.
SKWD's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 13.61%, SKWD is in the better half of the industry, outperforming 64.58% of the companies in the same industry.
SKWD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.61%
PM (TTM) 10.26%
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SKWD is destroying value.
The number of shares outstanding for SKWD has been increased compared to 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

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 86.11% 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's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. SKWD outperforms 76.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACC0.35
WACC9.45%
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 32.10%, which is quite impressive.
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 27.95%.
SKWD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.94% yearly.
EPS 1Y (TTM)32.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%20%
Revenue 1Y (TTM)27.95%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%23.99%

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 13.70% yearly.
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 Y17.27%
EPS Next 2Y15.02%
EPS Next 3Y14.99%
EPS Next 5Y13.7%
Revenue Next Year16.52%
Revenue Next 2Y14.04%
Revenue Next 3Y12.63%
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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.74 indicates a rather expensive valuation of SKWD.
62.50% of the companies in the same industry are cheaper than SKWD, based on the Price/Earnings ratio.
SKWD is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.06, SKWD is valued correctly.
SKWD's Price/Forward Earnings is on the same level as the industry average.
SKWD is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.74
Fwd PE 14.06
SKWD Price Earnings VS Forward Price EarningsSKWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

SKWD's Enterprise Value to EBITDA ratio is in line with the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as SKWD.
Industry RankSector Rank
P/FCF 7.58
EV/EBITDA 13.71
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 14.99% in the coming years.
PEG (NY)1.03
PEG (5Y)N/A
EPS Next 2Y15.02%
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 (6/27/2025, 6:01:11 PM)

After market: 56.93 0 (0%)

56.93

+0.12 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)08-05 2025-08-05/amc
Inst Owners101.71%
Inst Owner Change2.44%
Ins Owners7.81%
Ins Owner Change-0.35%
Market Cap2.30B
Analysts77.78
Price Target63.13 (10.89%)
Short Float %2.29%
Short Ratio2.05
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)4.9%
PT rev (3m)10.52%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)3.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)0.74%
Valuation
Industry RankSector Rank
PE 17.74
Fwd PE 14.06
P/S 1.9
P/FCF 7.58
P/OCF 7.48
P/B 2.7
P/tB 3.01
EV/EBITDA 13.71
EPS(TTM)3.21
EY5.64%
EPS(NY)4.05
Fwd EY7.11%
FCF(TTM)7.51
FCFY13.19%
OCF(TTM)7.61
OCFY13.37%
SpS29.94
BVpS21.06
TBVpS18.9
PEG (NY)1.03
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.08%
ROE 14.59%
ROCE 4.21%
ROIC 3.28%
ROICexc 3.38%
ROICexgc 5.17%
OM 13.61%
PM (TTM) 10.26%
GM N/A
FCFM 25.09%
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 21.31
Cash Conversion 183.17%
Profit Quality 244.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.45%
ROIC/WACC0.35
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)32.1%
EPS 3Y41.21%
EPS 5YN/A
EPS Q2Q%20%
EPS Next Y17.27%
EPS Next 2Y15.02%
EPS Next 3Y14.99%
EPS Next 5Y13.7%
Revenue 1Y (TTM)27.95%
Revenue growth 3Y27.94%
Revenue growth 5YN/A
Sales Q2Q%23.99%
Revenue Next Year16.52%
Revenue Next 2Y14.04%
Revenue Next 3Y12.63%
Revenue Next 5Y13.61%
EBIT growth 1Y22.57%
EBIT growth 3Y44.22%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.35%
FCF growth 3Y20.24%
FCF growth 5YN/A
OCF growth 1Y13.85%
OCF growth 3Y20.29%
OCF growth 5YN/A