AMBC Fundamental Analysis - AMBAC FINANCIAL GROUP INC

Fundamental Rating

Taking everything into account, AMBC scores 2 out of 10 in our fundamental rating. 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 does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year AMBC has reported negative net income.

In the past year AMBC has reported a negative cash flow from operations.

The reported net income has been mixed in the past 5 years: AMBC reported negative net income in multiple years.

In multiple years AMBC reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of -34.31%, AMBC is not doing good in the industry: 96.62% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of -87.38%, AMBC is doing worse than 92.57% of the companies in the same industry.

		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.

AMBC has more shares outstanding than it did 5 years ago.

The debt/assets ratio for AMBC has been reduced compared to a year ago.

2.2 Solvency

AMBC has an Altman-Z score of 0.31. This is a bad value and indicates that AMBC is not financially healthy and even 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 Current ratio of 0.69. This is in the better half of the industry: AMBC outperforms 76.35% of its industry peers.

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

AMBC's Quick ratio of 0.69 is fine compared to the rest of the industry. AMBC outperforms 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

AMBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -179.07%.

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.

Measured over the past years, AMBC shows a very negative growth in Revenue. The Revenue has been decreasing by -14.86% on average per year.

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.

The Revenue is expected to decrease by -3.54% on average over the next years.

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

The EPS growth rate is accelerating: in the next years the growth will be better 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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AMBC. In the last year negative earnings were reported.

Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for AMBC. No positive earnings are expected for the next year.

		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

AMBC does not give a dividend.

		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 Change3.01%

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?