(SKWD) Skyward Specialty Insurance - Ratings and Ratios
Property, Casualty, Surety, Professional Liability
SKWD EPS (Earnings per Share)
SKWD Revenue
Description: SKWD Skyward Specialty Insurance
Skyward Specialty Insurance Group, Inc. (NASDAQ:SKWD) is a Property & Casualty Insurance company based in the United States. The companys stock performance is influenced by its ability to generate profits through underwriting and investment income, as well as its capacity to manage risk and maintain adequate capital reserves.
Key drivers of SKWDs stock performance include its loss ratio, expense ratio, and combined ratio, which are crucial metrics in assessing the companys underwriting profitability. Additionally, the companys investment income, driven by its asset allocation and yield on investments, contributes to its overall profitability. Return on Equity (RoE) of 15.79% indicates a relatively strong ability to generate profits from shareholders equity.
The Property & Casualty Insurance industry is highly competitive and subject to various economic and regulatory factors. Key economic drivers include interest rates, GDP growth, and insurance market cycles. A low-interest-rate environment can impact investment income, while a strong economy can lead to increased demand for insurance products. Conversely, economic downturns can result in higher claims frequencies and severities.
Investors should monitor SKWDs pricing power, underwriting discipline, and claims handling efficiency, as these factors can significantly impact its profitability. The companys Price-to-Earnings (P/E) ratio of 15.63 and Forward P/E of 13.72 suggest a relatively reasonable valuation compared to its earnings. Market capitalization of $1.999 billion indicates a moderate size, which can influence liquidity and investor interest.
To evaluate SKWDs investment potential, its essential to analyze its financial leverage, risk management practices, and growth prospects. A thorough assessment of these factors, combined with industry trends and macroeconomic conditions, can provide insights into the companys potential for long-term success.
SKWD Stock Overview
| Market Cap in USD | 1,932m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2023-01-13 |
SKWD Stock Ratings
| Growth Rating | 79.6% |
| Fundamental | 92.2% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -2.06% |
| Analyst Rating | 3.83 of 5 |
SKWD Dividends
Currently no dividends paidSKWD Growth Ratios
| Growth Correlation 3m | -88.9% |
| Growth Correlation 12m | 49.7% |
| Growth Correlation 5y | 96.5% |
| CAGR 5y | 51.93% |
| CAGR/Max DD 3y | 1.73 |
| CAGR/Mean DD 3y | 12.30 |
| Sharpe Ratio 12m | 1.06 |
| Alpha | 5.40 |
| Beta | 0.413 |
| Volatility | 38.49% |
| Current Volume | 602.4k |
| Average Volume 20d | 378.1k |
| Stop Loss | 43.6 (-4.2%) |
| Signal | -0.12 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (132.0m TTM) > 0 and > 6% of Revenue (6% = 75.4m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA -1.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 150.0% (prev 124.3%; Δ 25.68pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 374.8m > Net Income 132.0m (YES >=105%, WARN >=100%) |
| Net Debt (-36.6m) to EBITDA (263.2m) ratio: -0.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 5.73 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (41.9m) change vs 12m ago 1.71% (target <= -2.0% for YES) |
| Gross Margin 27.87% (prev 99.08%; Δ -71.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 32.35% (prev 29.88%; Δ 2.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 32.36 (EBITDA TTM 263.2m / Interest Expense TTM 8.03m) >= 6 (WARN >= 3) |
Altman Z'' 3.49
| (A) 0.43 = (Total Current Assets 2.28b - Total Current Liabilities 398.9m) / Total Assets 4.34b |
| (B) 0.04 = Retained Earnings (Balance) 178.0m / Total Assets 4.34b |
| (C) 0.07 = EBIT TTM 259.9m / Avg Total Assets 3.89b |
| (D) 0.05 = Book Value of Equity 175.8m / Total Liabilities 3.44b |
| Total Rating: 3.49 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 92.21
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 129.6% = 5.0 |
| 3. FCF Margin 29.44% = 7.36 |
| 4. Debt/Equity 0.13 = 2.49 |
| 5. Debt/Ebitda 0.45 = 2.34 |
| 6. ROIC - WACC 14.00% = 12.50 |
| 7. RoE 15.79% = 1.32 |
| 8. Rev. Trend 98.02% = 4.90 |
| 9. Rev. CAGR 28.09% = 2.50 |
| 10. EPS Trend 92.02% = 2.30 |
| 11. EPS CAGR 63.57% = 2.50 |
What is the price of SKWD shares?
Over the past week, the price has changed by -9.36%, over one month by -4.55%, over three months by -23.21% and over the past year by +16.45%.
Is Skyward Specialty Insurance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SKWD is around 47.06 USD . This means that SKWD is currently overvalued and has a potential downside of 3.36%.
Is SKWD a buy, sell or hold?
- Strong Buy: 3
- Buy: 4
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SKWD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61 | 34% |
| Analysts Target Price | 61 | 34% |
| ValueRay Target Price | 51.9 | 13.9% |
Last update: 2025-09-13 04:41
SKWD Fundamental Data Overview
CCE Cash And Equivalents = 1.77b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.1013
P/E Forward = 11.9904
P/S = 1.541
P/B = 2.1469
P/EG = 0.7245
Beta = 0.602
Revenue TTM = 1.26b USD
EBIT TTM = 259.9m USD
EBITDA TTM = 263.2m USD
Long Term Debt = 76.6m USD (from longTermDebt, last quarter)
Short Term Debt = 43.0m USD (from shortLongTermDebt, last quarter)
Debt = 119.6m USD (Calculated: Short Term 43.0m + Long Term 76.6m)
Net Debt = -36.6m USD (from netDebt column, last quarter)
Enterprise Value = 285.5m USD (1.93b + Debt 119.6m - CCE 1.77b)
Interest Coverage Ratio = 32.36 (Ebit TTM 259.9m / Interest Expense TTM 8.03m)
FCF Yield = 129.6% (FCF TTM 370.1m / Enterprise Value 285.5m)
FCF Margin = 29.44% (FCF TTM 370.1m / Revenue TTM 1.26b)
Net Margin = 10.50% (Net Income TTM 132.0m / Revenue TTM 1.26b)
Gross Margin = 27.87% ((Revenue TTM 1.26b - Cost of Revenue TTM 906.6m) / Revenue TTM)
Tobins Q-Ratio = 1.62 (Enterprise Value 285.5m / Book Value Of Equity 175.8m)
Interest Expense / Debt = 1.57% (Interest Expense 1.88m / Debt 119.6m)
Taxrate = 22.20% (33.9m / 152.7m)
NOPAT = 202.2m (EBIT 259.9m * (1 - 22.20%))
Current Ratio = 5.73 (Total Current Assets 2.28b / Total Current Liabilities 398.9m)
Debt / Equity = 0.13 (Debt 119.6m / last Quarter total Stockholder Equity 899.9m)
Debt / EBITDA = 0.45 (Net Debt -36.6m / EBITDA 263.2m)
Debt / FCF = 0.32 (Debt 119.6m / FCF TTM 370.1m)
Total Stockholder Equity = 835.5m (last 4 quarters mean)
RoA = 3.04% (Net Income 132.0m, Total Assets 4.34b )
RoE = 15.79% (Net Income TTM 132.0m / Total Stockholder Equity 835.5m)
RoCE = 28.49% (Ebit 259.9m / (Equity 835.5m + L.T.Debt 76.6m))
RoIC = 21.17% (NOPAT 202.2m / Invested Capital 954.9m)
WACC = 7.17% (E(1.93b)/V(2.05b) * Re(7.54%)) + (D(119.6m)/V(2.05b) * Rd(1.57%) * (1-Tc(0.22)))
Shares Correlation 3-Years: 87.03 | Cagr: 0.98%
Discount Rate = 7.54% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈358.2m ; Y1≈441.8m ; Y5≈753.8m
Fair Price DCF = 316.7 (DCF Value 12.82b / Shares Outstanding 40.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 92.02 | EPS CAGR: 63.57% | SUE: 2.93 | # QB: True
Revenue Correlation: 98.02 | Revenue CAGR: 28.09%
Additional Sources for SKWD Stock
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