SKYWARD SPECIALTY INSURANCE (SKWD)
US8309401029 - Common Stock
SKWD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 140 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
1.2 Ratios
The Return On Assets of SKWD (3.45%) is better than 71.94% of its industry peers.
SKWD has a Return On Equity of 16.38%. This is in the better half of the industry: SKWD outperforms 71.94% of its industry peers.
SKWD has a better Return On Invested Capital (3.69%) than 73.38% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SKWD is in line with the industry average of 4.27%.
The 3 year average ROIC (2.38%) for SKWD is below the current ROIC(3.69%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.45% | ||
| ROE | 16.38% | ||
| ROIC | 3.69% |
ROA(3y)1.84%
ROA(5y)N/A
ROE(3y)8.87%
ROE(5y)N/A
ROIC(3y)2.38%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SKWD (11.60%) is better than 71.94% of its industry peers.
With a decent Operating Margin value of 15.31%, SKWD is doing good in the industry, outperforming 66.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.31% | ||
| PM (TTM) | 11.6% | ||
| 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
2. Health
2.1 Basic Checks
SKWD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for SKWD has been increased compared to 1 year ago.
The debt/assets ratio for SKWD has been reduced compared to a year ago.
2.2 Solvency
SKWD has a debt to FCF ratio of 0.35. This is a very positive value and a sign of high solvency as it would only need 0.35 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.35, SKWD belongs to the best of the industry, outperforming 91.37% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that SKWD is not too dependend on debt financing.
The Debt to Equity ratio of SKWD (0.16) is better than 73.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACC0.41
WACC8.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 55.14% over the past year.
SKWD shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.57%.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.77% yearly.
The Revenue is expected to grow by 16.63% on average over the next years. This is quite good.
EPS Next Y46.32%
EPS Next 2Y25.96%
EPS Next 3Y20.78%
EPS Next 5Y17.77%
Revenue Next Year28.22%
Revenue Next 2Y19.23%
Revenue Next 3Y16.63%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 18.16, which indicates a rather expensive current valuation of SKWD.
Compared to the rest of the industry, the Price/Earnings ratio of SKWD is on the same level as its industry peers.
SKWD's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.96.
With a Price/Forward Earnings ratio of 15.64, SKWD is valued correctly.
60.43% of the companies in the same industry are cheaper than SKWD, based on the Price/Forward Earnings ratio.
SKWD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.16 | ||
| Fwd PE | 15.64 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as SKWD.
Based on the Price/Free Cash Flow ratio, SKWD is valued a bit cheaper than 66.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.14 | ||
| EV/EBITDA | 13.33 |
4.3 Compensation for Growth
SKWD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SKWD's earnings are expected to grow with 20.78% in the coming years.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y25.96%
EPS Next 3Y20.78%
5. Dividend
5.1 Amount
SKWD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SKYWARD SPECIALTY INSURANCE
NASDAQ:SKWD (11/21/2024, 8:00:02 PM)
After market: 52.12 0 (0%)52.12
+0.69 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.09B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.16 | ||
| Fwd PE | 15.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.39
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.45% | ||
| ROE | 16.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 15.31% | ||
| PM (TTM) | 11.6% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)55.14%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y46.32%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)29.57%
Revenue growth 3Y24.67%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y