ASSURED GUARANTY LTD (AGO)
BMG0585R1060 - Common Stock
Overall AGO gets a fundamental rating of 4 out of 10. We evaluated AGO against 141 industry peers in the Insurance industry. While AGO is still in line with the averages on profitability rating, there are concerns on its financial health. AGO is valied quite expensively at the moment, while it does show 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.
Each year in the past 5 years AGO has been profitable.
AGO had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
AGO has a Return On Assets of 5.95%. This is amongst the best in the industry. AGO outperforms 84.29% of its industry peers.
The Return On Equity of AGO (12.76%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.95% | ||
| ROE | 12.76% | ||
| ROIC | N/A |
ROA(3y)2.92%
ROA(5y)2.79%
ROE(3y)7.19%
ROE(5y)6.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of AGO (86.00%) is better than 97.14% of its industry peers.
AGO's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 59.76%, AGO belongs to the best of the industry, outperforming 97.86% of the companies in the same industry.
In the last couple of years the Operating Margin of AGO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 59.76% | ||
| PM (TTM) | 86% | ||
| GM | N/A |
OM growth 3Y-16.62%
OM growth 5Y-18.66%
PM growth 3Y27.06%
PM growth 5Y9.34%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, AGO has less shares outstanding
AGO has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AGO has a worse debt to assets ratio.
2.2 Solvency
AGO has a debt to FCF ratio of 8.32. This is a slightly negative value and a sign of low solvency as AGO would need 8.32 years to pay back of all of its debts.
The Debt to FCF ratio of AGO (8.32) is worse than 69.29% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that AGO is not too dependend on debt financing.
AGO has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: AGO outperforms 57.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 8.32 | ||
| 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 has grown by an impressive 115.86% over the past year.
Measured over the past years, AGO shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.26% on average per year.
The Revenue has been growing slightly by 0.47% in the past year.
Measured over the past years, AGO shows a decrease in Revenue. The Revenue has been decreasing by -1.89% on average per year.
EPS 1Y (TTM)115.86%
EPS 3Y53.86%
EPS 5Y20.26%
EPS Q2Q%-29.24%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y-0.07%
Revenue growth 5Y-1.89%
Sales Q2Q%160%
3.2 Future
The Earnings Per Share is expected to decrease by -4.31% on average over the next years.
AGO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.78% yearly.
EPS Next Y-35.49%
EPS Next 2Y-22.87%
EPS Next 3Y-12.05%
EPS Next 5Y-4.31%
Revenue Next Year138.02%
Revenue Next 2Y53.12%
Revenue Next 3Y33.08%
Revenue Next 5Y27.78%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.58, the valuation of AGO can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of AGO indicates a somewhat cheap valuation: AGO is cheaper than 74.29% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.73. AGO is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 13.54, which indicates a correct valuation of AGO.
AGO's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.83. AGO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 13.54 |
4.2 Price Multiples
AGO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AGO is more expensive than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AGO's earnings are expected to decrease with -12.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-22.87%
EPS Next 3Y-12.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.44%, AGO has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.33, AGO has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.34, AGO is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
5.2 History
On average, the dividend of AGO grows each year by 12.50%, which is quite nice.
AGO has been paying a dividend for at least 10 years, so it has 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)12.5%
Div Incr Years13
Div Non Decr Years20
5.3 Sustainability
9.30% of the earnings are spent on dividend by AGO. This is a low number and sustainable payout ratio.
DP9.3%
EPS Next 2Y-22.87%
EPS Next 3Y-12.05%
ASSURED GUARANTY LTD
NYSE:AGO (12/20/2024, 8:04:00 PM)
After market: 87.7 0 (0%)87.7
+1.8 (+2.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.87%
Inst Owner Change-4.27%
Ins Owners6.23%
Ins Owner Change-2.66%
Market Cap4.46B
Analysts82.22
Price Target108.63 (23.87%)
Short Float %1.98%
Short Ratio3.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
Dividend Growth(5Y)12.5%
DP9.3%
Div Incr Years13
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)40.22%
Min EPS beat(2)2.42%
Max EPS beat(2)78.01%
EPS beat(4)4
Avg EPS beat(4)127.22%
Min EPS beat(4)2.42%
Max EPS beat(4)381.44%
EPS beat(8)6
Avg EPS beat(8)78.82%
EPS beat(12)9
Avg EPS beat(12)98.08%
EPS beat(16)11
Avg EPS beat(16)77.42%
Revenue beat(2)1
Avg Revenue beat(2)5.04%
Min Revenue beat(2)-11.36%
Max Revenue beat(2)21.44%
Revenue beat(4)2
Avg Revenue beat(4)1.99%
Min Revenue beat(4)-11.36%
Max Revenue beat(4)21.44%
Revenue beat(8)5
Avg Revenue beat(8)6.3%
Revenue beat(12)7
Avg Revenue beat(12)2.52%
Revenue beat(16)9
Avg Revenue beat(16)4.33%
PT rev (1m)5.97%
PT rev (3m)6.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.85%
EPS NY rev (1m)13.25%
EPS NY rev (3m)12.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.98%
Revenue NY rev (1m)-1.08%
Revenue NY rev (3m)-1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 13.54 | ||
| P/S | 5.25 | ||
| P/FCF | 21.88 | ||
| P/OCF | 21.88 | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.57
EY13.19%
EPS(NY)6.48
Fwd EY7.39%
FCF(TTM)4.01
FCFY4.57%
OCF(TTM)4.01
OCFY4.57%
SpS16.7
BVpS112.53
TBVpS112.53
PEG (NY)N/A
PEG (5Y)0.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.95% | ||
| ROE | 12.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 59.76% | ||
| PM (TTM) | 86% | ||
| GM | N/A | ||
| FCFM | 24% |
ROA(3y)2.92%
ROA(5y)2.79%
ROE(3y)7.19%
ROE(5y)6.61%
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)2.53%
ROCE(5y)2.93%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-16.62%
OM growth 5Y-18.66%
PM growth 3Y27.06%
PM growth 5Y9.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 8.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.77 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
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)115.86%
EPS 3Y53.86%
EPS 5Y20.26%
EPS Q2Q%-29.24%
EPS Next Y-35.49%
EPS Next 2Y-22.87%
EPS Next 3Y-12.05%
EPS Next 5Y-4.31%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y-0.07%
Revenue growth 5Y-1.89%
Sales Q2Q%160%
Revenue Next Year138.02%
Revenue Next 2Y53.12%
Revenue Next 3Y33.08%
Revenue Next 5Y27.78%
EBIT growth 1Y131.96%
EBIT growth 3Y-16.68%
EBIT growth 5Y-20.19%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y110.24%
FCF growth 3YN/A
FCF growth 5Y-0.04%
OCF growth 1Y110.24%
OCF growth 3YN/A
OCF growth 5Y-0.04%