OCTAVE SPECIALTY GROUP INC (OSG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:OSG - US0231398845 - Common Stock
8.455 USD
+0.06 (+0.77%)
Taking everything into account, OSG scores 3 out of 10 in our fundamental rating. OSG was compared to 147 industry peers in the Insurance industry. While OSG has a great profitability rating, there are quite some concerns on its financial health. OSG is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year OSG has reported negative net income.
In the past year OSG had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: OSG reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: OSG reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of OSG (5.92%) is better than 87.07% of its industry peers.
Looking at the Return On Equity, with a value of 17.90%, OSG belongs to the top of the industry, outperforming 80.27% of the companies in the same industry.
OSG has a better Return On Invested Capital (8.79%) than 91.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.92% | ||
| ROE | 17.9% | ||
| ROIC | 8.79% |
ROA(3y)1.32%
ROA(5y)1.43%
ROE(3y)3.93%
ROE(5y)4.45%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OSG has a better Profit Margin (14.26%) than 76.87% of its industry peers.
OSG's Profit Margin has improved in the last couple of years.
OSG's Operating Margin of 21.49% is fine compared to the rest of the industry. OSG outperforms 76.19% of its industry peers.
OSG's Operating Margin has improved in the last couple of years.
The Gross Margin of OSG (57.90%) is better than 94.56% of its industry peers.
OSG's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.49% | ||
| PM (TTM) | 14.26% | ||
| GM | 57.9% |
OM growth 3Y30.51%
OM growth 5Y27.84%
PM growth 3Y24.48%
PM growth 5Y30.25%
GM growth 3Y3.28%
GM growth 5Y1.68%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so OSG is still creating some value.
There is no outstanding debt for OSG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
Based on the Altman-Z score of 0.74, we must say that OSG is in the distress zone and has some risk of bankruptcy.
OSG's Altman-Z score of 0.74 is fine compared to the rest of the industry. OSG outperforms 74.83% of its industry peers.
OSG has a debt to FCF ratio of 7.05. This is a slightly negative value and a sign of low solvency as OSG would need 7.05 years to pay back of all of its debts.
OSG has a Debt to FCF ratio of 7.05. This is in the lower half of the industry: OSG underperforms 68.03% of its industry peers.
OSG has a Debt/Equity ratio of 0.93. This is a neutral value indicating OSG is somewhat dependend on debt financing.
The Debt to Equity ratio of OSG (0.93) is worse than 88.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 7.05 | ||
| Altman-Z | 0.74 |
ROIC/WACC1.21
WACC7.25%
2.3 Liquidity
A Current Ratio of 0.67 indicates that OSG may have some problems paying its short term obligations.
OSG has a Current ratio of 0.67. This is in the better half of the industry: OSG outperforms 76.19% of its industry peers.
A Quick Ratio of 0.63 indicates that OSG may have some problems paying its short term obligations.
OSG has a better Quick ratio (0.63) than 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
The earnings per share for OSG have decreased strongly by -179.07% in the last year.
OSG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.40% yearly.
EPS 1Y (TTM)-179.07%
EPS 3Y-13.99%
EPS 5Y-21.4%
EPS Q2Q%54.35%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
3.2 Future
The Earnings Per Share is expected to decrease by -12.88% on average over the next years. This is quite bad
The Revenue is expected to decrease by -4.34% on average over the next years.
EPS Next Y-283.96%
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
EPS Next 5YN/A
Revenue Next Year-25.27%
Revenue Next 2Y-13.2%
Revenue Next 3Y-4.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for OSG. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 334.85 indicates a quite expensive valuation of OSG.
OSG's Price/Forward Earnings ratio is rather expensive when compared to the industry. OSG is more expensive than 82.99% of the companies in the same industry.
OSG's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 334.85 |
4.2 Price Multiples
OSG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OSG is cheaper than 82.99% of the companies in the same industry.
OSG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. OSG is cheaper than 61.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.62 | ||
| EV/EBITDA | 3.89 |
4.3 Compensation for Growth
OSG has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as OSG's earnings are expected to decrease with -12.88% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
5. Dividend
5.1 Amount
No dividends for OSG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:OSG (12/10/2025, 3:15:08 PM)
8.455
+0.06 (+0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.9%
Inst Owner Change0%
Ins Owners8.83%
Ins Owner Change0%
Market Cap370.41M
Revenue(TTM)N/A
Net Income(TTM)64.96M
Analysts80
Price Target15.3 (80.96%)
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)1269.66%
Min EPS beat(2)855.15%
Max EPS beat(2)1684.16%
EPS beat(4)4
Avg EPS beat(4)963.25%
Min EPS beat(4)143.32%
Max EPS beat(4)1684.16%
EPS beat(8)8
Avg EPS beat(8)684.06%
EPS beat(12)12
Avg EPS beat(12)495.4%
EPS beat(16)15
Avg EPS beat(16)379.42%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 334.85 | ||
| P/S | 0.81 | ||
| P/FCF | 6.62 | ||
| P/OCF | 4.03 | ||
| P/B | 1.02 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.89 |
EPS(TTM)-0.68
EYN/A
EPS(NY)0.03
Fwd EY0.3%
FCF(TTM)1.28
FCFY15.1%
OCF(TTM)2.1
OCFY24.84%
SpS10.4
BVpS8.28
TBVpS8
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.92% | ||
| ROE | 17.9% | ||
| ROCE | 10.61% | ||
| ROIC | 8.79% | ||
| ROICexc | 9.83% | ||
| ROICexgc | 9.97% | ||
| OM | 21.49% | ||
| PM (TTM) | 14.26% | ||
| GM | 57.9% | ||
| FCFM | 12.28% |
ROA(3y)1.32%
ROA(5y)1.43%
ROE(3y)3.93%
ROE(5y)4.45%
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 3Y41.64%
ROICexgc growth 5Y27.87%
ROICexc growth 3Y42.19%
ROICexc growth 5Y28.84%
OM growth 3Y30.51%
OM growth 5Y27.84%
PM growth 3Y24.48%
PM growth 5Y30.25%
GM growth 3Y3.28%
GM growth 5Y1.68%
F-Score7
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 7.05 | ||
| Debt/EBITDA | 2.02 | ||
| Cap/Depr | 52.16% | ||
| Cap/Sales | 7.92% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 55.07% | ||
| Profit Quality | 86.1% | ||
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 0.74 |
F-Score7
WACC7.25%
ROIC/WACC1.21
Cap/Depr(3y)22.51%
Cap/Depr(5y)85.69%
Cap/Sales(3y)3.45%
Cap/Sales(5y)12.56%
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-283.96%
EPS Next 2Y-75.48%
EPS Next 3Y-12.88%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-25.27%
Revenue Next 2Y-13.2%
Revenue Next 3Y-4.34%
Revenue Next 5YN/A
EBIT growth 1Y25.69%
EBIT growth 3Y33.87%
EBIT growth 5Y33.33%
EBIT Next Year-13.3%
EBIT Next 3Y-21.01%
EBIT Next 5Y-11.22%
FCF growth 1Y960.46%
FCF growth 3YN/A
FCF growth 5Y25.59%
OCF growth 1Y11600.1%
OCF growth 3Y25.01%
OCF growth 5Y17.85%
OCTAVE SPECIALTY GROUP INC / OSG FAQ
What is the ChartMill fundamental rating of OCTAVE SPECIALTY GROUP INC (OSG) stock?
ChartMill assigns a fundamental rating of 3 / 10 to OSG.
What is the valuation status of OCTAVE SPECIALTY GROUP INC (OSG) stock?
ChartMill assigns a valuation rating of 2 / 10 to OCTAVE SPECIALTY GROUP INC (OSG). This can be considered as Overvalued.
Can you provide the profitability details for OCTAVE SPECIALTY GROUP INC?
OCTAVE SPECIALTY GROUP INC (OSG) has a profitability rating of 7 / 10.
How financially healthy is OCTAVE SPECIALTY GROUP INC?
The financial health rating of OCTAVE SPECIALTY GROUP INC (OSG) is 2 / 10.