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SKYWARD SPECIALTY INSURANCE (SKWD) Stock Fundamental Analysis

NASDAQ:SKWD - Nasdaq - US8309401029 - Common Stock - Currency: USD

43.48  +0.18 (+0.42%)

After market: 43.48 0 (0%)

Fundamental Rating

4

SKWD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. While SKWD is still in line with the averages on profitability rating, there are concerns on its financial health. SKWD is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SKWD had positive earnings in the past year.
SKWD had a positive operating cash flow in the past year.
SKWD Yearly Net Income VS EBIT VS OCF VS FCFSKWD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 100M 200M 300M

1.2 Ratios

SKWD has a Return On Assets of 3.71%. This is in the better half of the industry: SKWD outperforms 68.31% of its industry peers.
With a decent Return On Equity value of 16.74%, SKWD is doing good in the industry, outperforming 70.42% of the companies in the same industry.
SKWD has a Return On Invested Capital of 3.64%. This is in the better half of the industry: SKWD outperforms 69.72% of its industry peers.
SKWD had an Average Return On Invested Capital over the past 3 years of 2.38%. This is below the industry average of 4.61%.
The last Return On Invested Capital (3.64%) for SKWD is above the 3 year average (2.38%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.71%
ROE 16.74%
ROIC 3.64%
ROA(3y)1.84%
ROA(5y)N/A
ROE(3y)8.87%
ROE(5y)N/A
ROIC(3y)2.38%
ROIC(5y)N/A
SKWD Yearly ROA, ROE, ROICSKWD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 10 -10

1.3 Margins

SKWD has a better Profit Margin (12.49%) than 71.13% of its industry peers.
SKWD's Operating Margin of 15.10% is fine compared to the rest of the industry. SKWD outperforms 66.20% of its industry peers.
Industry RankSector Rank
OM 15.1%
PM (TTM) 12.49%
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
SKWD Yearly Profit, Operating, Gross MarginsSKWD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 0 10 -10

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SKWD is destroying value.
SKWD has more shares outstanding than it did 1 year ago.
The debt/assets ratio for SKWD has been reduced compared to a year ago.
SKWD Yearly Shares OutstandingSKWD Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 10M 20M 30M
SKWD Yearly Total Debt VS Total AssetsSKWD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of SKWD is 0.30, which is an excellent value as it means it would take SKWD, only 0.30 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.30, SKWD belongs to the best of the industry, outperforming 90.14% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that SKWD is not too dependend on debt financing.
SKWD's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. SKWD outperforms 75.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.3
Altman-Z N/A
ROIC/WACC0.4
WACC9.01%
SKWD Yearly LT Debt VS Equity VS FCFSKWD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SKWD Yearly Current Assets VS Current LiabilitesSKWD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 20M 40M 60M 80M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 55.14% over the past year.
The Revenue has grown by 29.57% in the past year. This is a very strong growth!
The Revenue has been growing by 24.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)55.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.23%
Revenue 1Y (TTM)29.57%
Revenue growth 3Y24.67%
Revenue growth 5YN/A
Sales Q2Q%25.78%

3.2 Future

SKWD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.63% yearly.
Based on estimates for the next years, SKWD will show a quite strong growth in Revenue. The Revenue will grow by 18.43% on average per year.
EPS Next Y46.65%
EPS Next 2Y27.25%
EPS Next 3Y21.91%
EPS Next 5Y20.63%
Revenue Next Year28.22%
Revenue Next 2Y18.9%
Revenue Next 3Y16.38%
Revenue Next 5Y18.43%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SKWD Yearly Revenue VS EstimatesSKWD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
SKWD Yearly EPS VS EstimatesSKWD Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

SKWD is valuated correctly with a Price/Earnings ratio of 15.15.
SKWD's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 28.28. SKWD is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.79 indicates a correct valuation of SKWD.
SKWD's Price/Forward Earnings ratio is in line with the industry average.
SKWD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 91.29.
Industry RankSector Rank
PE 15.15
Fwd PE 12.79
SKWD Price Earnings VS Forward Price EarningsSKWD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

SKWD's Enterprise Value to EBITDA ratio is in line with the industry average.
74.65% of the companies in the same industry are more expensive than SKWD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.38
EV/EBITDA 10.59
SKWD Per share dataSKWD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SKWD's earnings are expected to grow with 21.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y27.25%
EPS Next 3Y21.91%

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0

5. Dividend

5.1 Amount

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

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SKYWARD SPECIALTY INSURANCE

NASDAQ:SKWD (1/29/2025, 8:00:02 PM)

After market: 43.48 0 (0%)

43.48

+0.18 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-29 2024-10-29/amc
Earnings (Next)N/A N/A
Inst Owners93.66%
Inst Owner Change0.84%
Ins Owners8.04%
Ins Owner Change-0.46%
Market Cap1.74B
Analysts82.35
Price Target53.95 (24.08%)
Short Float %2.38%
Short Ratio2.92
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)2
Avg EPS beat(2)13.77%
Min EPS beat(2)7.57%
Max EPS beat(2)19.97%
EPS beat(4)4
Avg EPS beat(4)12.01%
Min EPS beat(4)4.67%
Max EPS beat(4)19.97%
EPS beat(8)8
Avg EPS beat(8)23.39%
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)1
Avg Revenue beat(2)-0.95%
Min Revenue beat(2)-2.91%
Max Revenue beat(2)1%
Revenue beat(4)2
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-2.91%
Max Revenue beat(4)3.04%
Revenue beat(8)6
Avg Revenue beat(8)3.43%
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)2.81%
PT rev (3m)12.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.36%
EPS NY rev (1m)0%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 15.15
Fwd PE 12.79
P/S 1.63
P/FCF 4.38
P/OCF 4.33
P/B 2.19
P/tB 2.46
EV/EBITDA 10.59
EPS(TTM)2.87
EY6.6%
EPS(NY)3.4
Fwd EY7.82%
FCF(TTM)9.93
FCFY22.83%
OCF(TTM)10.05
OCFY23.11%
SpS26.65
BVpS19.89
TBVpS17.7
PEG (NY)0.32
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.71%
ROE 16.74%
ROCE 4.64%
ROIC 3.64%
ROICexc 3.76%
ROICexgc 5.56%
OM 15.1%
PM (TTM) 12.49%
GM N/A
FCFM 37.25%
ROA(3y)1.84%
ROA(5y)N/A
ROE(3y)8.87%
ROE(5y)N/A
ROIC(3y)2.38%
ROIC(5y)N/A
ROICexc(3y)2.43%
ROICexc(5y)N/A
ROICexgc(3y)3.91%
ROICexgc(5y)N/A
ROCE(3y)3.02%
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-Score8
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.3
Debt/EBITDA 0.72
Cap/Depr 126.09%
Cap/Sales 0.46%
Interest Coverage 17.72
Cash Conversion 243.76%
Profit Quality 298.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.01%
ROIC/WACC0.4
Cap/Depr(3y)58.85%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.37%
Cap/Sales(5y)N/A
Profit Quality(3y)619.05%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.23%
EPS Next Y46.65%
EPS Next 2Y27.25%
EPS Next 3Y21.91%
EPS Next 5Y20.63%
Revenue 1Y (TTM)29.57%
Revenue growth 3Y24.67%
Revenue growth 5YN/A
Sales Q2Q%25.78%
Revenue Next Year28.22%
Revenue Next 2Y18.9%
Revenue Next 3Y16.38%
Revenue Next 5Y18.43%
EBIT growth 1Y52.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y145.83%
FCF growth 3Y98.86%
FCF growth 5YN/A
OCF growth 1Y147.18%
OCF growth 3Y96.31%
OCF growth 5YN/A