(SKWD) Skyward Specialty Insurance - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US8309401029
General Liability, Property, Workers Compensation, Commercial Auto, Surety
EPS (Earnings per Share)
Revenue
Dividends
Currently no dividends paid| Risk via 5d forecast | |
|---|---|
| Volatility | 34.9% |
| Value at Risk 5%th | 55.8% |
| Relative Tail Risk | -2.85% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.11 |
| Alpha | -10.07 |
| CAGR/Max DD | 1.06 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.475 |
| Beta | 0.582 |
| Beta Downside | 0.535 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.54% |
| Mean DD | 8.57% |
| Median DD | 5.07% |
Description: SKWD Skyward Specialty Insurance January 14, 2026
Skyward Specialty Insurance Group, Inc. (NASDAQ: SKWD) is a Houston-based holding company that underwrites a broad suite of commercial property and casualty lines across the United States, including general, excess, professional, and workers’ compensation liability, commercial auto, property, surety, agricultural, credit, and niche cannabis insurance.
Key recent metrics show the firm generated approximately $267 million in net written premiums in 2023, with a combined ratio of 95.5% and a return on equity near 7%, indicating modest underwriting profitability while maintaining a relatively low expense load.
Sector-wide, the P&C market is being driven by heightened exposure to climate-related losses-especially in Texas and the Gulf Coast-pushing insurers to tighten pricing and reinsurance structures, while a low-interest-rate environment continues to compress investment income, making underwriting performance a more critical source of earnings.
For a deeper quantitative breakdown, you may find the ValueRay platform useful.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 141.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -2.93 > 1.0 |
| NWC/Revenue: 160.7% < 20% (prev 129.8%; Δ 30.86% < -1%) |
| CFO/TA 0.08 > 3% & CFO 378.2m > Net Income 141.2m |
| Net Debt (-40.5m) to EBITDA (190.1m): -0.21 < 3 |
| Current Ratio: 6.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.9m) vs 12m ago 1.07% < -2% |
| Gross Margin: 28.12% > 18% (prev 0.47%; Δ 2765 % > 0.5%) |
| Asset Turnover: 32.66% > 50% (prev 30.27%; Δ 2.39% > 0%) |
| Interest Coverage Ratio: 24.36 > 6 (EBITDA TTM 190.1m / Interest Expense TTM 7.72m) |
Altman Z'' (< 1.1 .. > 2.6) 3.60
| A: 0.47 (Total Current Assets 2.55b - Total Current Liabilities 398.9m) / Total Assets 4.59b |
| B: 0.05 (Retained Earnings 223.9m / Total Assets 4.59b) |
| C: 0.05 (EBIT TTM 188.1m / Avg Total Assets 4.10b) |
| D: 0.06 (Book Value of Equity 233.9m / Total Liabilities 3.63b) |
| Altman-Z'' Score: 3.60 = AA |
ValueRay F-Score (Strict, 0-100) 88.59
| 1. Piotroski: 5.0pt |
| 2. FCF Yield: 53.58% |
| 3. FCF Margin: 27.76% |
| 4. Debt/Equity: 0.12 |
| 5. Debt/Ebitda: -0.21 |
| 6. ROIC - WACC: 6.63% |
| 7. RoE: 16.11% |
| 8. Revenue Trend: 98.46% |
| 9. EPS Trend: 92.91% |
What is the price of SKWD shares?
As of January 23, 2026, the stock is trading at USD 44.50 with a total of 394,533 shares traded.
Over the past week, the price has changed by -4.26%, over one month by -14.57%, over three months by -4.01% and over the past year by +1.53%.
Over the past week, the price has changed by -4.26%, over one month by -14.57%, over three months by -4.01% and over the past year by +1.53%.
Is SKWD a buy, sell or hold?
Skyward Specialty Insurance has received a consensus analysts rating of 3.83.
Therefore, it is recommended to buy SKWD.
- 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 | 63.7 | 43.2% |
| Analysts Target Price | 63.7 | 43.2% |
| ValueRay Target Price | 51 | 14.5% |
SKWD Fundamental Data Overview January 19, 2026
P/E Trailing = 13.7923
P/E Forward = 10.2145
P/S = 1.5373
P/B = 2.1352
P/EG = 0.7245
Revenue TTM = 1.34b USD
EBIT TTM = 188.1m USD
EBITDA TTM = 190.1m USD
Long Term Debt = 76.6m USD (from longTermDebt, last quarter)
Short Term Debt = 43.0m USD (from shortTermDebt, last quarter)
Debt = 119.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -40.5m USD (from netDebt column, last quarter)
Enterprise Value = 693.2m USD (2.05b + Debt 119.6m - CCE 1.48b)
Interest Coverage Ratio = 24.36 (Ebit TTM 188.1m / Interest Expense TTM 7.72m)
EV/FCF = 1.87x (Enterprise Value 693.2m / FCF TTM 371.4m)
FCF Yield = 53.58% (FCF TTM 371.4m / Enterprise Value 693.2m)
FCF Margin = 27.76% (FCF TTM 371.4m / Revenue TTM 1.34b)
Net Margin = 10.55% (Net Income TTM 141.2m / Revenue TTM 1.34b)
Gross Margin = 28.12% ((Revenue TTM 1.34b - Cost of Revenue TTM 961.7m) / Revenue TTM)
Gross Margin QoQ = 31.18% (prev 29.58%)
Tobins Q-Ratio = 0.15 (Enterprise Value 693.2m / Total Assets 4.59b)
Interest Expense / Debt = 1.61% (Interest Expense 1.92m / Debt 119.6m)
Taxrate = 24.19% (14.6m / 60.5m)
NOPAT = 142.6m (EBIT 188.1m * (1 - 24.19%))
Current Ratio = 6.39 (Total Current Assets 2.55b / Total Current Liabilities 398.9m)
Debt / Equity = 0.12 (Debt 119.6m / totalStockholderEquity, last quarter 961.4m)
Debt / EBITDA = -0.21 (Net Debt -40.5m / EBITDA 190.1m)
Debt / FCF = -0.11 (Net Debt -40.5m / FCF TTM 371.4m)
Total Stockholder Equity = 876.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.45% (Net Income 141.2m / Total Assets 4.59b)
RoE = 16.11% (Net Income TTM 141.2m / Total Stockholder Equity 876.5m)
RoCE = 19.73% (EBIT 188.1m / Capital Employed (Equity 876.5m + L.T.Debt 76.6m))
RoIC = 14.31% (NOPAT 142.6m / Invested Capital 996.1m)
WACC = 7.68% (E(2.05b)/V(2.17b) * Re(8.06%) + D(119.6m)/V(2.17b) * Rd(1.61%) * (1-Tc(0.24)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.85%
[DCF Debug] Terminal Value 82.30% ; FCFF base≈381.5m ; Y1≈470.5m ; Y5≈801.4m
Fair Price DCF = 328.5 (EV 14.47b - Net Debt -40.5m = Equity 14.51b / Shares 44.2m; r=7.68% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 92.91 | EPS CAGR: 65.89% | SUE: 4.0 | # QB: 4
Revenue Correlation: 98.46 | Revenue CAGR: 29.47% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.14 | Chg30d=+0.011 | Revisions Net=+3 | Analysts=10
EPS next Year (2026-12-31): EPS=4.75 | Chg30d=+0.044 | Revisions Net=+6 | Growth EPS=+24.0% | Growth Revenue=+26.8%
P/E Forward = 10.2145
P/S = 1.5373
P/B = 2.1352
P/EG = 0.7245
Revenue TTM = 1.34b USD
EBIT TTM = 188.1m USD
EBITDA TTM = 190.1m USD
Long Term Debt = 76.6m USD (from longTermDebt, last quarter)
Short Term Debt = 43.0m USD (from shortTermDebt, last quarter)
Debt = 119.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -40.5m USD (from netDebt column, last quarter)
Enterprise Value = 693.2m USD (2.05b + Debt 119.6m - CCE 1.48b)
Interest Coverage Ratio = 24.36 (Ebit TTM 188.1m / Interest Expense TTM 7.72m)
EV/FCF = 1.87x (Enterprise Value 693.2m / FCF TTM 371.4m)
FCF Yield = 53.58% (FCF TTM 371.4m / Enterprise Value 693.2m)
FCF Margin = 27.76% (FCF TTM 371.4m / Revenue TTM 1.34b)
Net Margin = 10.55% (Net Income TTM 141.2m / Revenue TTM 1.34b)
Gross Margin = 28.12% ((Revenue TTM 1.34b - Cost of Revenue TTM 961.7m) / Revenue TTM)
Gross Margin QoQ = 31.18% (prev 29.58%)
Tobins Q-Ratio = 0.15 (Enterprise Value 693.2m / Total Assets 4.59b)
Interest Expense / Debt = 1.61% (Interest Expense 1.92m / Debt 119.6m)
Taxrate = 24.19% (14.6m / 60.5m)
NOPAT = 142.6m (EBIT 188.1m * (1 - 24.19%))
Current Ratio = 6.39 (Total Current Assets 2.55b / Total Current Liabilities 398.9m)
Debt / Equity = 0.12 (Debt 119.6m / totalStockholderEquity, last quarter 961.4m)
Debt / EBITDA = -0.21 (Net Debt -40.5m / EBITDA 190.1m)
Debt / FCF = -0.11 (Net Debt -40.5m / FCF TTM 371.4m)
Total Stockholder Equity = 876.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.45% (Net Income 141.2m / Total Assets 4.59b)
RoE = 16.11% (Net Income TTM 141.2m / Total Stockholder Equity 876.5m)
RoCE = 19.73% (EBIT 188.1m / Capital Employed (Equity 876.5m + L.T.Debt 76.6m))
RoIC = 14.31% (NOPAT 142.6m / Invested Capital 996.1m)
WACC = 7.68% (E(2.05b)/V(2.17b) * Re(8.06%) + D(119.6m)/V(2.17b) * Rd(1.61%) * (1-Tc(0.24)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.85%
[DCF Debug] Terminal Value 82.30% ; FCFF base≈381.5m ; Y1≈470.5m ; Y5≈801.4m
Fair Price DCF = 328.5 (EV 14.47b - Net Debt -40.5m = Equity 14.51b / Shares 44.2m; r=7.68% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 92.91 | EPS CAGR: 65.89% | SUE: 4.0 | # QB: 4
Revenue Correlation: 98.46 | Revenue CAGR: 29.47% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.14 | Chg30d=+0.011 | Revisions Net=+3 | Analysts=10
EPS next Year (2026-12-31): EPS=4.75 | Chg30d=+0.044 | Revisions Net=+6 | Growth EPS=+24.0% | Growth Revenue=+26.8%
Additional Sources for SKWD Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle