AMBC Fundamental Analysis - AMBAC FINANCIAL GROUP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to AMBC. AMBC was compared to 148 industry peers in the Insurance industry. The financial health of AMBC is average, but there are quite some concerns on its profitability. AMBC has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year AMBC has reported negative net income.

AMBC had a negative operating cash flow in the past year.

In multiple years AMBC reported negative net income over the last 5 years.

The reported operating cash flow has been mixed in the past 5 years: AMBC reported negative operating cash flow in multiple years.

1.2 Ratios

AMBC has a Return On Assets of -34.31%. This is amonst the worse of the industry: AMBC underperforms 96.62% of its industry peers.

AMBC has a Return On Equity of -87.38%. This is amonst the worse of the industry: AMBC underperforms 92.57% of its industry peers.

		Industry Rank	Sector Rank
ROA	-34.31%
ROE	-87.38%
ROIC	N/A

ROA(3y)0.15%

ROA(5y)-0.62%

ROE(3y)-5.38%

ROE(5y)-11.87%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AMBC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

AMBC has more shares outstanding than it did 1 year ago.

The number of shares outstanding for AMBC has been increased compared to 5 years ago.

AMBC has a better debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of 0.31, we must say that AMBC is in the distress zone and has some risk of bankruptcy.

The Altman-Z score of AMBC (0.31) is better than 68.24% of its industry peers.

AMBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	0.31

ROIC/WACCN/A

WACC2.94%

2.3 Liquidity

A Current Ratio of 0.69 indicates that AMBC may have some problems paying its short term obligations.

AMBC has a better Current ratio (0.69) than 76.35% of its industry peers.

AMBC has a Quick Ratio of 0.69. This is a bad value and indicates that AMBC is not financially healthy enough and could expect problems in meeting its short term obligations.

The Quick ratio of AMBC (0.69) is better than 76.35% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.69
Quick Ratio	0.69

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for AMBC have decreased strongly by -179.07% in the last year.

AMBC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.40% yearly.

Looking at the last year, AMBC shows a very negative growth in Revenue. The Revenue has decreased by -78.63% in the last year.

AMBC shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.86% yearly.

EPS 1Y (TTM)-179.07%

EPS 3Y-13.99%

EPS 5Y-21.4%

EPS Q2Q%54.35%

Revenue 1Y (TTM)-78.63%

Revenue growth 3Y-4.34%

Revenue growth 5Y-14.86%

Sales Q2Q%-41.57%

3.2 Future

AMBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.91% yearly.

Based on estimates for the next years, AMBC will show a decrease in Revenue. The Revenue will decrease by -3.54% on average per year.

EPS Next Y-262.71%

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

EPS Next 5YN/A

Revenue Next Year-31.9%

Revenue Next 2Y-18.04%

Revenue Next 3Y-3.54%

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 accelerating.

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.

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4. Valuation

4.1 Price/Earnings Ratio

AMBC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Also next year AMBC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as AMBC's earnings are expected to grow with 19.91% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

More info and screens

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5. Dividend

5.1 Amount

No dividends for AMBC!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AMBAC FINANCIAL GROUP INC

NYSE:AMBC (11/19/2025, 2:57:41 PM)

9.03

-0.05 (-0.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-10 2025-11-10/amc

Earnings (Next)02-24 2026-02-24/amc

Inst OwnersN/A

Inst Owner Change0%

Ins OwnersN/A

Ins Owner Change42.78%

Market Cap418.99M

Revenue(TTM)84.40M

Net Income(TTM)-736.94M

Analysts82.5

Price Target15.3 (69.44%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.31%

Min EPS beat(2)10.13%

Max EPS beat(2)10.49%

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)22.28%

Min Revenue beat(2)11.79%

Max Revenue beat(2)32.76%

Revenue beat(4)3

Avg Revenue beat(4)22.94%

Min Revenue beat(4)-16.44%

Max Revenue beat(4)63.63%

Revenue beat(8)7

Avg Revenue beat(8)28.16%

Revenue beat(12)8

Avg Revenue beat(12)13.09%

Revenue beat(16)11

Avg Revenue beat(16)34.05%

PT rev (1m)20%

PT rev (3m)20%

EPS NQ rev (1m)-115.79%

EPS NQ rev (3m)-115.79%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.75%

Revenue NQ rev (1m)12.29%

Revenue NQ rev (3m)12.29%

Revenue NY rev (1m)0%

Revenue NY rev (3m)21.08%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	4.96
P/FCF	N/A
P/OCF	N/A
P/B	0.5
P/tB	7.13
EV/EBITDA	N/A

EPS(TTM)-0.68

EYN/A

EPS(NY)-0.14

Fwd EYN/A

FCF(TTM)-1.7

FCFYN/A

OCF(TTM)-1.7

OCFYN/A

SpS1.82

BVpS18.18

TBVpS1.27

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-34.31%
ROE	-87.38%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)0.15%

ROA(5y)-0.62%

ROE(3y)-5.38%

ROE(5y)-11.87%

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)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/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

F-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.69
Quick Ratio	0.69
Altman-Z	0.31

F-Score3

WACC2.94%

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)-179.07%

EPS 3Y-13.99%

EPS 5Y-21.4%

EPS Q2Q%54.35%

EPS Next Y-262.71%

EPS Next 2Y-52.57%

EPS Next 3Y19.91%

EPS Next 5YN/A

Revenue 1Y (TTM)-78.63%

Revenue growth 3Y-4.34%

Revenue growth 5Y-14.86%

Sales Q2Q%-41.57%

Revenue Next Year-31.9%

Revenue Next 2Y-18.04%

Revenue Next 3Y-3.54%

Revenue Next 5YN/A

EBIT growth 1Y-280.66%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year86.82%

EBIT Next 3Y42.61%

EBIT Next 5YN/A

FCF growth 1Y-105.68%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-105.68%

OCF growth 3YN/A

OCF growth 5YN/A

AMBAC FINANCIAL GROUP INC / AMBC FAQ

What is the fundamental rating for AMBC stock?

ChartMill assigns a fundamental rating of 2 / 10 to AMBC.

Can you provide the valuation status for AMBAC FINANCIAL GROUP INC?

ChartMill assigns a valuation rating of 0 / 10 to AMBAC FINANCIAL GROUP INC (AMBC). This can be considered as Overvalued.

Can you provide the profitability details for AMBAC FINANCIAL GROUP INC?

AMBAC FINANCIAL GROUP INC (AMBC) has a profitability rating of 1 / 10.

AMBAC FINANCIAL GROUP INC (AMBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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AMBAC FINANCIAL GROUP INC / AMBC FAQ

What is the fundamental rating for AMBC stock?

Can you provide the valuation status for AMBAC FINANCIAL GROUP INC?

Can you provide the profitability details for AMBAC FINANCIAL GROUP INC?