SKYWARD SPECIALTY INSURANCE (SKWD)
US8309401029 - Common Stock
SKWD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 140 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
SKWD had positive earnings in the past year.
In the past year SKWD had a positive cash flow from operations.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.86%, SKWD is in the better half of the industry, outperforming 61.87% of the companies in the same industry.
With a decent Return On Equity value of 12.76%, SKWD is doing good in the industry, outperforming 60.43% of the companies in the same industry.
The Return On Invested Capital of SKWD (2.99%) is better than 64.75% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SKWD is in line with the industry average of 4.14%.
The last Return On Invested Capital (2.99%) for SKWD is above the 3 year average (2.29%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.86% | ||
| ROE | 12.76% | ||
| ROIC | 2.99% |
ROA(3y)1.84%
ROA(5y)N/A
ROE(3y)8.87%
ROE(5y)N/A
ROIC(3y)2.29%
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 9.64%, SKWD is in the better half of the industry, outperforming 60.43% of the companies in the same industry.
SKWD has a Operating Margin (12.45%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.45% | ||
| PM (TTM) | 9.64% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SKWD 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
SKWD has a debt to FCF ratio of 0.38. This is a very positive value and a sign of high solvency as it would only need 0.38 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.38, SKWD belongs to the top of the industry, outperforming 88.49% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that SKWD is not too dependend on debt financing.
SKWD has a Debt to Equity ratio of 0.19. This is in the better half of the industry: SKWD outperforms 74.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.38 | ||
| Altman-Z | N/A |
ROIC/WACC0.34
WACC8.85%
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 impressive 300.04% over the past year.
SKWD shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.28%.
SKWD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.67% yearly.
EPS 1Y (TTM)300.04%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q78.57%
Revenue 1Y (TTM)36.28%
Revenue growth 3Y24.67%
Revenue growth 5YN/A
Revenue growth Q2Q39.51%
3.2 Future
The Earnings Per Share is expected to grow by 17.77% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.62% on average over the next years. This is quite good.
EPS Next Y24.83%
EPS Next 2Y18.03%
EPS Next 3Y18.2%
EPS Next 5Y17.77%
Revenue Next Year20.92%
Revenue Next 2Y16.27%
Revenue Next 3Y13.62%
Revenue Next 5YN/A
3.3 Evolution
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
A Price/Earnings ratio of 15.00 indicates a correct valuation of SKWD.
Compared to the rest of the industry, the Price/Earnings ratio of SKWD is on the same level as its industry peers.
SKWD's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.67.
Based on the Price/Forward Earnings ratio of 12.45, the valuation of SKWD can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as SKWD.
SKWD is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.15, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 12.45 |
4.2 Price Multiples
SKWD's Enterprise Value to EBITDA ratio is in line with the industry average.
SKWD's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SKWD is cheaper than 75.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.35 | ||
| EV/EBITDA | 13.42 |
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.
A more expensive valuation may be justified as SKWD's earnings are expected to grow with 18.20% in the coming years.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y18.03%
EPS Next 3Y18.2%
5. Dividend
5.1 Amount
No dividends for SKWD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SKYWARD SPECIALTY INSURANCE
NASDAQ:SKWD (5/21/2024, 9:25:14 AM)
36.44
+0.13 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.46B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 12.45 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.6
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.86% | ||
| ROE | 12.76% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.45% | ||
| PM (TTM) | 9.64% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)300.04%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y24.83%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)36.28%
Revenue growth 3Y24.67%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y