ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AGO - BMG0585R1060 - Common Stock
88.225 USD
-0.41 (-0.46%)
AGO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. AGO has a medium profitability rating, but doesn't score so well on its financial health evaluation. AGO has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AGO was profitable.
In the past year AGO had a positive cash flow from operations.
Each year in the past 5 years AGO has been profitable.
The reported operating cash flow has been mixed in the past 5 years: AGO reported negative operating cash flow in multiple years.
1.2 Ratios
AGO has a better Return On Assets (3.33%) than 66.67% of its industry peers.
With a Return On Equity value of 7.12%, AGO is not doing good in the industry: 70.07% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.33% | ||
| ROE | 7.12% | ||
| ROIC | N/A |
ROA(3y)3.26%
ROA(5y)2.86%
ROE(3y)7.41%
ROE(5y)6.77%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AGO has a better Profit Margin (43.95%) than 100.00% of its industry peers.
In the last couple of years the Profit Margin of AGO has grown nicely.
AGO has a Operating Margin of 38.28%. This is amongst the best in the industry. AGO outperforms 97.96% of its industry peers.
AGO's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.28% | ||
| PM (TTM) | 43.95% | ||
| GM | N/A |
OM growth 3Y-15.59%
OM growth 5Y-3.31%
PM growth 3Y2.55%
PM growth 5Y5.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for AGO has been reduced compared to 1 year ago.
Compared to 5 years ago, AGO has less shares outstanding
Compared to 1 year ago, AGO has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of AGO is 6.40, which is on the high side as it means it would take AGO, 6.40 years of fcf income to pay off all of its debts.
AGO has a Debt to FCF ratio of 6.40. This is in the lower half of the industry: AGO underperforms 67.35% of its industry peers.
AGO has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
AGO's Debt to Equity ratio of 0.30 is in line compared to the rest of the industry. AGO outperforms 53.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 6.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AGO have decreased strongly by -30.60% in the last year.
Measured over the past years, AGO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.76% on average per year.
AGO shows a small growth in Revenue. In the last year, the Revenue has grown by 7.88%.
The Revenue has been decreasing by -6.16% on average over the past years.
EPS 1Y (TTM)-30.6%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%6.2%
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%-38.29%
3.2 Future
AGO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.64% yearly.
Based on estimates for the next years, AGO will show a small growth in Revenue. The Revenue will grow by 3.85% on average per year.
EPS Next Y15.06%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
EPS Next 5YN/A
Revenue Next Year-7.23%
Revenue Next 2Y-6.21%
Revenue Next 3Y3.85%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
AGO is valuated reasonably with a Price/Earnings ratio of 10.99.
The rest of the industry has a similar Price/Earnings ratio as AGO.
AGO is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.21, the valuation of AGO can be described as correct.
AGO's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of AGO to the average of the S&P500 Index (23.69), we can say AGO is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 12.21 |
4.2 Price Multiples
AGO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AGO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)0.86
EPS Next 2Y0.95%
EPS Next 3Y3.64%
5. Dividend
5.1 Amount
AGO has a Yearly Dividend Yield of 1.53%.
Compared to an average industry Dividend Yield of 3.48, AGO has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.31, AGO is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
5.2 History
The dividend of AGO is nicely growing with an annual growth rate of 11.15%!
AGO has paid a dividend for at least 10 years, which is a reliable track record.
AGO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.15%
Div Incr Years13
Div Non Decr Years20
5.3 Sustainability
17.12% of the earnings are spent on dividend by AGO. This is a low number and sustainable payout ratio.
AGO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.12%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
NYSE:AGO (12/8/2025, 12:53:07 PM)
88.225
-0.41 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.61%
Inst Owner Change-4.65%
Ins Owners7.03%
Ins Owner Change-1.97%
Market Cap4.07B
Revenue(TTM)917.00M
Net Income(TTM)403.00M
Analysts77.14
Price Target106.08 (20.24%)
Short Float %2.68%
Short Ratio3.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly Dividend1.27
Dividend Growth(5Y)11.15%
DP17.12%
Div Incr Years13
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.08%
Min EPS beat(2)-34.21%
Max EPS beat(2)60.37%
EPS beat(4)2
Avg EPS beat(4)9.09%
Min EPS beat(4)-34.21%
Max EPS beat(4)60.37%
EPS beat(8)6
Avg EPS beat(8)68.16%
EPS beat(12)8
Avg EPS beat(12)55.58%
EPS beat(16)11
Avg EPS beat(16)75.83%
Revenue beat(2)1
Avg Revenue beat(2)17.64%
Min Revenue beat(2)-11.23%
Max Revenue beat(2)46.51%
Revenue beat(4)2
Avg Revenue beat(4)14.12%
Min Revenue beat(4)-20.46%
Max Revenue beat(4)46.51%
Revenue beat(8)4
Avg Revenue beat(8)9.41%
Revenue beat(12)7
Avg Revenue beat(12)9.81%
Revenue beat(16)9
Avg Revenue beat(16)6.09%
PT rev (1m)-1.65%
PT rev (3m)-1.65%
EPS NQ rev (1m)1.42%
EPS NQ rev (3m)8.54%
EPS NY rev (1m)6.27%
EPS NY rev (3m)10%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 12.21 | ||
| P/S | 4.43 | ||
| P/FCF | 15.29 | ||
| P/OCF | 15.29 | ||
| P/B | 0.72 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.03
EY9.1%
EPS(NY)7.22
Fwd EY8.19%
FCF(TTM)5.77
FCFY6.54%
OCF(TTM)5.77
OCFY6.54%
SpS19.9
BVpS122.76
TBVpS122.76
PEG (NY)0.73
PEG (5Y)0.86
Graham Number148.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.33% | ||
| ROE | 7.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 38.28% | ||
| PM (TTM) | 43.95% | ||
| GM | N/A | ||
| FCFM | 29.01% |
ROA(3y)3.26%
ROA(5y)2.86%
ROE(3y)7.41%
ROE(5y)6.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.3%
ROCE(5y)2.7%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-15.59%
OM growth 5Y-3.31%
PM growth 3Y2.55%
PM growth 5Y5.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 6.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.13 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-30.6%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%6.2%
EPS Next Y15.06%
EPS Next 2Y0.95%
EPS Next 3Y3.64%
EPS Next 5YN/A
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%-38.29%
Revenue Next Year-7.23%
Revenue Next 2Y-6.21%
Revenue Next 3Y3.85%
Revenue Next 5YN/A
EBIT growth 1Y-30.91%
EBIT growth 3Y-18.62%
EBIT growth 5Y-9.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y171.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y171.31%
OCF growth 3YN/A
OCF growth 5YN/A
ASSURED GUARANTY LTD / AGO FAQ
What is the fundamental rating for AGO stock?
ChartMill assigns a fundamental rating of 3 / 10 to AGO.
What is the valuation status for AGO stock?
ChartMill assigns a valuation rating of 4 / 10 to ASSURED GUARANTY LTD (AGO). This can be considered as Fairly Valued.
What is the profitability of AGO stock?
ASSURED GUARANTY LTD (AGO) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for AGO stock?
The Earnings per Share (EPS) of ASSURED GUARANTY LTD (AGO) is expected to grow by 15.06% in the next year.
How sustainable is the dividend of ASSURED GUARANTY LTD (AGO) stock?
The dividend rating of ASSURED GUARANTY LTD (AGO) is 5 / 10 and the dividend payout ratio is 17.12%.