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AMBAC FINANCIAL GROUP INC (AMBC) Stock Fundamental Analysis

USA - NYSE:AMBC - US0231398845 - Common Stock

9.13 USD
+0.19 (+2.13%)
Last: 9/18/2025, 3:26:05 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to AMBC. AMBC was compared to 146 industry peers in the Insurance industry. AMBC may be in some trouble as it scores bad on both profitability and health. AMBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

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.
AMBC Yearly Net Income VS EBIT VS OCF VS FCFAMBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B

1.2 Ratios

With a Return On Assets value of -7.67%, AMBC is not doing good in the industry: 90.41% of the companies in the same industry are doing better.
AMBC's Return On Equity of -76.03% is on the low side compared to the rest of the industry. AMBC is outperformed by 93.15% of its industry peers.
Industry RankSector Rank
ROA -7.67%
ROE -76.03%
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
AMBC Yearly ROA, ROE, ROICAMBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for AMBC so they could not be analyzed.
Industry RankSector 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
AMBC Yearly Profit, Operating, Gross MarginsAMBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 -200

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3

2. Health

2.1 Basic Checks

AMBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AMBC has been increased compared to 1 year ago.
The number of shares outstanding for AMBC has been increased compared to 5 years ago.
The debt/assets ratio for AMBC has been reduced compared to a year ago.
AMBC Yearly Shares OutstandingAMBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AMBC Yearly Total Debt VS Total AssetsAMBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

AMBC has an Altman-Z score of 0.08. This is a bad value and indicates that AMBC is not financially healthy and even has some risk of bankruptcy.
AMBC has a Altman-Z score of 0.08. This is in the better half of the industry: AMBC outperforms 65.07% of its industry peers.
AMBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
AMBC has a Debt to Equity ratio of 0.17. This is in the better half of the industry: AMBC outperforms 69.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z 0.08
ROIC/WACCN/A
WACC3.05%
AMBC Yearly LT Debt VS Equity VS FCFAMBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B

2.3 Liquidity

A Current Ratio of 0.29 indicates that AMBC may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.29, AMBC is in the better half of the industry, outperforming 70.55% of the companies in the same industry.
A Quick Ratio of 0.29 indicates that AMBC may have some problems paying its short term obligations.
AMBC's Quick ratio of 0.29 is fine compared to the rest of the industry. AMBC outperforms 70.55% of its industry peers.
Industry RankSector Rank
Current Ratio 0.29
Quick Ratio 0.29
AMBC Yearly Current Assets VS Current LiabilitesAMBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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2

3. Growth

3.1 Past

AMBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.01%.
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 -60.52% 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)-128.01%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%-222.22%
Revenue 1Y (TTM)-60.52%
Revenue growth 3Y-4.34%
Revenue growth 5Y-14.86%
Sales Q2Q%-48.64%

3.2 Future

Based on estimates for the next years, AMBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.37% on average per year.
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-261.5%
EPS Next 2Y-53.76%
EPS Next 3Y13.37%
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.
AMBC Yearly Revenue VS EstimatesAMBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
AMBC Yearly EPS VS EstimatesAMBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 10 20

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AMBC. In the last year negative earnings were reported.
Also next year AMBC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AMBC Price Earnings VS Forward Price EarningsAMBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AMBC Per share dataAMBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

AMBC's earnings are expected to grow with 13.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-53.76%
EPS Next 3Y13.37%

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0

5. Dividend

5.1 Amount

No dividends for AMBC!.
Industry RankSector Rank
Dividend Yield N/A

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AMBAC FINANCIAL GROUP INC

NYSE:AMBC (9/18/2025, 3:26:05 PM)

9.13

+0.19 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-10 2025-11-10/amc
Inst Owners80.24%
Inst Owner Change-0.05%
Ins Owners6.88%
Ins Owner Change8.67%
Market Cap423.63M
Analysts84.44
Price Target12.75 (39.65%)
Short Float %6.05%
Short Ratio3
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-35.97%
Min EPS beat(2)-82.07%
Max EPS beat(2)10.13%
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)37.71%
Min Revenue beat(2)11.79%
Max Revenue beat(2)63.63%
Revenue beat(4)3
Avg Revenue beat(4)26.57%
Min Revenue beat(4)-16.44%
Max Revenue beat(4)63.63%
Revenue beat(8)6
Avg Revenue beat(8)20.22%
Revenue beat(12)8
Avg Revenue beat(12)19.14%
Revenue beat(16)10
Avg Revenue beat(16)30.92%
PT rev (1m)0%
PT rev (3m)-16.67%
EPS NQ rev (1m)3.18%
EPS NQ rev (3m)21.8%
EPS NY rev (1m)-101.51%
EPS NY rev (3m)-101.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)18.23%
Revenue NY rev (1m)17.2%
Revenue NY rev (3m)46.26%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.08
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 7.83
EV/EBITDA N/A
EPS(TTM)-0.93
EYN/A
EPS(NY)-0.15
Fwd EYN/A
FCF(TTM)-0.88
FCFYN/A
OCF(TTM)-0.88
OCFYN/A
SpS2.96
BVpS18.53
TBVpS1.17
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.67%
ROE -76.03%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.17
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 0.29
Quick Ratio 0.29
Altman-Z 0.08
F-Score2
WACC3.05%
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)-128.01%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%-222.22%
EPS Next Y-261.5%
EPS Next 2Y-53.76%
EPS Next 3Y13.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-60.52%
Revenue growth 3Y-4.34%
Revenue growth 5Y-14.86%
Sales Q2Q%-48.64%
Revenue Next Year-31.9%
Revenue Next 2Y-18.04%
Revenue Next 3Y-3.54%
Revenue Next 5YN/A
EBIT growth 1Y-173.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year96.89%
EBIT Next 3Y42.53%
EBIT Next 5YN/A
FCF growth 1Y-102.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.85%
OCF growth 3YN/A
OCF growth 5YN/A