ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
USA - NYSE:AGO - BMG0585R1060 - Common Stock
80.44 USD
-1 (-1.23%)
We assign a fundamental rating of 4 out of 10 to AGO. AGO was compared to 146 industry peers in the Insurance industry. AGO has a medium profitability rating, but doesn't score so well on its financial health evaluation. AGO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AGO was profitable.
AGO had a positive operating cash flow in the past year.
AGO had positive earnings in each of the past 5 years.
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's Return On Assets of 3.87% is fine compared to the rest of the industry. AGO outperforms 77.40% of its industry peers.
The Return On Equity of AGO (8.31%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 8.31% | ||
| 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
With an excellent Profit Margin value of 47.61%, AGO belongs to the best of the industry, outperforming 98.63% of the companies in the same industry.
AGO's Profit Margin has improved in the last couple of years.
AGO has a better Operating Margin (44.96%) than 100.00% of its industry peers.
In the last couple of years the Operating Margin of AGO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.96% | ||
| PM (TTM) | 47.61% | ||
| 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.
The number of shares outstanding for AGO has been reduced compared to 5 years ago.
AGO has a worse debt/assets ratio than last year.
2.2 Solvency
AGO has a debt to FCF ratio of 7.46. This is a slightly negative value and a sign of low solvency as AGO would need 7.46 years to pay back of all of its debts.
AGO's Debt to FCF ratio of 7.46 is on the low side compared to the rest of the industry. AGO is outperformed by 66.44% 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 54.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 7.46 | ||
| 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
AGO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -37.31%.
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.
Looking at the last year, AGO shows a very strong growth in Revenue. The Revenue has grown by 28.16%.
AGO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.16% yearly.
EPS 1Y (TTM)-37.31%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%-29.86%
Revenue 1Y (TTM)28.16%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%61.49%
3.2 Future
The Earnings Per Share is expected to grow by 0.43% on average over the next years.
The Revenue is expected to grow by 3.85% on average over the next years.
EPS Next Y4.6%
EPS Next 2Y-2.07%
EPS Next 3Y0.43%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 10.21, the valuation of AGO can be described as reasonable.
Based on the Price/Earnings ratio, AGO is valued a bit cheaper than 65.07% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.27. AGO is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.83 indicates a reasonable valuation of AGO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AGO is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.77. AGO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.21 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
AGO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.22
PEG (5Y)0.8
EPS Next 2Y-2.07%
EPS Next 3Y0.43%
5. Dividend
5.1 Amount
AGO has a Yearly Dividend Yield of 1.64%.
AGO's Dividend Yield is comparable with the industry average which is at 3.43.
AGO's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.15%
Div Incr Years13
Div Non Decr Years20
5.3 Sustainability
14.53% of the earnings are spent on dividend by AGO. This is a low number and sustainable payout ratio.
The dividend of AGO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.53%
EPS Next 2Y-2.07%
EPS Next 3Y0.43%
NYSE:AGO (9/16/2025, 12:31:33 PM)
80.44
-1 (-1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.28%
Inst Owner Change-10.38%
Ins Owners6.82%
Ins Owner Change-3.2%
Market Cap3.83B
Analysts80
Price Target107.87 (34.1%)
Short Float %3%
Short Ratio4.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
Yearly Dividend1.27
Dividend Growth(5Y)11.15%
DP14.53%
Div Incr Years13
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.09%
Min EPS beat(2)-34.21%
Max EPS beat(2)18.03%
EPS beat(4)2
Avg EPS beat(4)13.51%
Min EPS beat(4)-34.21%
Max EPS beat(4)78.01%
EPS beat(8)6
Avg EPS beat(8)88.58%
EPS beat(12)8
Avg EPS beat(12)62.88%
EPS beat(16)10
Avg EPS beat(16)69.11%
Revenue beat(2)2
Avg Revenue beat(2)44.09%
Min Revenue beat(2)41.68%
Max Revenue beat(2)46.51%
Revenue beat(4)3
Avg Revenue beat(4)25%
Min Revenue beat(4)-20.46%
Max Revenue beat(4)46.51%
Revenue beat(8)5
Avg Revenue beat(8)11.65%
Revenue beat(12)7
Avg Revenue beat(12)7.48%
Revenue beat(16)9
Avg Revenue beat(16)5.73%
PT rev (1m)-0.7%
PT rev (3m)-0.7%
EPS NQ rev (1m)-4.2%
EPS NQ rev (3m)-7.34%
EPS NY rev (1m)-7.44%
EPS NY rev (3m)-3.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.91%
Revenue NY rev (1m)-3.21%
Revenue NY rev (3m)-3.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.21 | ||
| Fwd PE | 11.83 | ||
| P/S | 3.89 | ||
| P/FCF | 16.79 | ||
| P/OCF | 16.79 | ||
| P/B | 0.68 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.88
EY9.8%
EPS(NY)6.8
Fwd EY8.45%
FCF(TTM)4.79
FCFY5.96%
OCF(TTM)4.79
OCFY5.96%
SpS20.66
BVpS118.37
TBVpS118.37
PEG (NY)2.22
PEG (5Y)0.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.87% | ||
| ROE | 8.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 44.96% | ||
| PM (TTM) | 47.61% | ||
| GM | N/A | ||
| FCFM | 23.19% |
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%
ROICexcg growth 3YN/A
ROICexcg 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 | 7.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 48.72% | ||
| 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)-37.31%
EPS 3Y3.1%
EPS 5Y12.76%
EPS Q2Q%-29.86%
EPS Next Y4.6%
EPS Next 2Y-2.07%
EPS Next 3Y0.43%
EPS Next 5YN/A
Revenue 1Y (TTM)28.16%
Revenue growth 3Y-3.58%
Revenue growth 5Y-6.16%
Sales Q2Q%61.49%
Revenue Next Year-7.23%
Revenue Next 2Y-6.21%
Revenue Next 3Y3.85%
Revenue Next 5YN/A
EBIT growth 1Y60.73%
EBIT growth 3Y-18.62%
EBIT growth 5Y-9.27%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y191.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y191.57%
OCF growth 3YN/A
OCF growth 5YN/A