ASSURED GUARANTY LTD (AGO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AGO - BMG0585R1060 - Common Stock
85.56 USD
+0.12 (+0.14%)
85.56 USD
0 (0%)
AGO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. There are concerns on the financial health of AGO while its profitability can be described as average. AGO has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- AGO had positive earnings in the past year.
- AGO had a positive operating cash flow in the past year.
- 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
- With a decent Return On Assets value of 3.33%, AGO is doing good in the industry, outperforming 67.81% of the companies in the same industry.
- With a Return On Equity value of 7.12%, AGO is not doing good in the industry: 69.18% 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's Profit Margin of 43.95% is amongst the best of the industry. AGO outperforms 99.32% of its industry peers.
- In the last couple of years the Profit Margin of AGO has grown nicely.
- AGO has a better Operating Margin (38.28%) than 97.95% of its industry peers.
- In the last couple of years the Operating Margin of AGO has declined.
| 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
- AGO has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, AGO has less shares outstanding
- The debt/assets ratio for AGO is higher compared to a year ago.
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.
- With a Debt to FCF ratio value of 6.40, AGO is not doing good in the industry: 67.81% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.30 indicates that AGO is not too dependend on debt financing.
- The Debt to Equity ratio of AGO (0.30) is comparable to the rest of the industry.
| 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
- AGO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.60%.
- 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%.
- Measured over the past years, AGO shows a decrease in Revenue. The Revenue has been decreasing by -6.16% on average per year.
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
- The Earnings Per Share is expected to grow by 3.64% on average over the next years.
- AGO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.85% yearly.
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
- 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
- The Price/Earnings ratio is 10.66, which indicates a very decent valuation of AGO.
- Based on the Price/Earnings ratio, AGO is valued a bit cheaper than 60.27% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.54. AGO is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 11.84, which indicates a very decent valuation of AGO.
- 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 (24.31), we can say AGO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 11.84 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as AGO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.83 | ||
| 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)0.71
PEG (5Y)0.84
EPS Next 2Y0.95%
EPS Next 3Y3.64%
5. Dividend
5.1 Amount
- AGO has a Yearly Dividend Yield of 1.50%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.42, AGO has a dividend in line with its industry peers.
- AGO's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
5.2 History
- On average, the dividend of AGO grows each year by 11.15%, 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)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%
85.56
+0.12 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners97.25%
Inst Owner Change0.16%
Ins Owners7.12%
Ins Owner Change-1.4%
Market Cap3.94B
Revenue(TTM)917.00M
Net Income(TTM)403.00M
Analysts77.14
Price Target106.08 (23.98%)
Short Float %2.98%
Short Ratio3.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
Yearly Dividend1.27
Dividend Growth(5Y)11.15%
DP17.12%
Div Incr Years13
Div Non Decr Years20
Ex-DateN/A
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)9.97%
Revenue beat(16)9
Avg Revenue beat(16)6.22%
PT rev (1m)0%
PT rev (3m)-1.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0%
EPS NY rev (3m)6.27%
Revenue NQ rev (1m)-3.57%
Revenue NQ rev (3m)-3.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.66 | ||
| Fwd PE | 11.84 | ||
| P/S | 4.3 | ||
| P/FCF | 14.83 | ||
| P/OCF | 14.83 | ||
| P/B | 0.7 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.03
EY9.39%
EPS(NY)7.22
Fwd EY8.44%
FCF(TTM)5.77
FCFY6.75%
OCF(TTM)5.77
OCFY6.75%
SpS19.9
BVpS122.76
TBVpS122.76
PEG (NY)0.71
PEG (5Y)0.84
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.
Can you provide the valuation status for ASSURED GUARANTY LTD?
ChartMill assigns a valuation rating of 5 / 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.
How financially healthy is ASSURED GUARANTY LTD?
The financial health rating of ASSURED GUARANTY LTD (AGO) is 2 / 10.
Is the dividend of ASSURED GUARANTY LTD sustainable?
The dividend rating of ASSURED GUARANTY LTD (AGO) is 5 / 10 and the dividend payout ratio is 17.12%.