| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 1/6 |
| Dividends | 5/6 |
AGO Overview
Assured Guaranty Ltd., through its subsidiaries, provides credit protection products to public finance, infrastructure, and structured finance markets in the United States and internationally.
Share Price & News
How has Assured Guaranty's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AGO is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: AGO's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
-1.3%
AGO
-0.7%
US Insurance
-0.6%
US Market
1 Year Return
137.7%
AGO
36.2%
US Insurance
33.6%
US Market
Return vs Industry: AGO exceeded the US Insurance industry which returned 36.8% over the past year.
Return vs Market: AGO exceeded the US Market which returned 33.7% over the past year.
Shareholder returns
| AGO | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.3% | -0.7% | -0.6% |
| 30 Day | -5.3% | -0.8% | 1.3% |
| 90 Day | 4.0% | 7.1% | 5.3% |
| 1 Year | 142.5%137.7% | 39.5%36.2% | 35.6%33.6% |
| 3 Year | 18.0%10.9% | 35.6%25.4% | 60.9%51.0% |
| 5 Year | 85.4%68.9% | 78.4%56.1% | 123.4%99.1% |
Long-Term Price Volatility Vs. Market
How volatile is Assured Guaranty's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall St
Possible bearish signals as Assured Guaranty Ltd. (NYSE:AGO) insiders disposed of US$14m worth of stock1 month ago | Simply Wall St
Did You Miss Assured Guaranty's (NYSE:AGO) Impressive 111% Share Price Gain?5 months ago | Simply Wall St
Should Assured Guaranty Ltd. (NYSE:AGO) Be Part Of Your Dividend Portfolio?Assured Guaranty Fundamentals Summary
| AGO fundamental statistics | |
|---|---|
| Market Cap | US$3.42b |
| Earnings (TTM) | US$342.00m |
| Revenue (TTM) | US$845.00m |
10.0x
P/E Ratio4.0x
P/S RatioIs AGO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AGO income statement (TTM) | |
|---|---|
| Revenue | US$845.00m |
| Cost of Revenue | US$176.00m |
| Gross Profit | US$669.00m |
| Expenses | US$327.00m |
| Earnings | US$342.00m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 4.35 |
| Gross Margin | 79.17% |
| Net Profit Margin | 40.47% |
| Debt/Equity Ratio | 28.3% |
How did AGO perform over the long term?
See historical performance and comparisonDividends
1.9%
Current Dividend Yield19%
Payout RatioValuation
Is Assured Guaranty undervalued compared to its fair value and its price relative to the market?
32.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: AGO ($46.89) is trading below our estimate of fair value ($69.68)
Significantly Below Fair Value: AGO is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AGO is poor value based on its PE Ratio (10x) compared to the US Insurance industry average (9.5x).
PE vs Market: AGO is good value based on its PE Ratio (10x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: AGO's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: AGO is good value based on its PB Ratio (0.5x) compared to the US Insurance industry average (1.1x).
Future Growth
How is Assured Guaranty forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
-4.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AGO's earnings are forecast to decline over the next 3 years (-4.3% per year).
Earnings vs Market: AGO's earnings are forecast to decline over the next 3 years (-4.3% per year).
High Growth Earnings: AGO's earnings are forecast to decline over the next 3 years.
Revenue vs Market: AGO's revenue (1.7% per year) is forecast to grow slower than the US market (9.7% per year).
High Growth Revenue: AGO's revenue (1.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AGO's Return on Equity is forecast to be low in 3 years time (4.1%).
Past Performance
How has Assured Guaranty performed over the past 5 years?
-26.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AGO has a high level of non-cash earnings.
Growing Profit Margin: AGO's current net profit margins (40.5%) are higher than last year (33.6%).
Past Earnings Growth Analysis
Earnings Trend: AGO's earnings have declined by 26.4% per year over the past 5 years.
Accelerating Growth: AGO's earnings growth over the past year (2.7%) exceeds its 5-year average (-26.4% per year).
Earnings vs Industry: AGO earnings growth over the past year (2.7%) underperformed the Insurance industry 76%.
Return on Equity
High ROE: AGO's Return on Equity (5.4%) is considered low.
Financial Health
How is Assured Guaranty's financial position?
Financial Position Analysis
Short Term Liabilities: AGO's short term assets ($4.1B) do not cover its short term liabilities ($4.5B).
Long Term Liabilities: AGO's short term assets ($4.1B) do not cover its long term liabilities ($6.1B).
Debt to Equity History and Analysis
Debt Level: AGO's debt to equity ratio (28.3%) is considered satisfactory.
Reducing Debt: AGO's debt to equity ratio has increased from 20.8% to 28.3% over the past 5 years.
Debt Coverage: AGO's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: AGO's interest payments on its debt are not well covered by EBIT (2.9x coverage).
Balance Sheet
Dividend
What is Assured Guaranty current dividend yield, its reliability and sustainability?
1.88%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AGO's dividend (1.88%) is higher than the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: AGO's dividend (1.88%) is low compared to the top 25% of dividend payers in the US market (3.58%).
Stability and Growth of Payments
Stable Dividend: AGO's dividends per share have been stable in the past 10 years.
Growing Dividend: AGO's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (19.3%), AGO's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AGO's dividends in 3 years are forecast to be well covered by earnings (25.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
10.3yrs
Average management tenure
CEO
Dominic Frederico (68 yo)
17.75yrs
Tenure
US$10,876,524
Compensation
Mr. Dominic John Frederico is the President and Chief Executive Officer of Assured Guaranty Ltd. since December 1, 2003 and serves as its Deputy Chairman. Mr. Frederico serves as the Chief Executive Office...
CEO Compensation Analysis
Compensation vs Market: Dominic's total compensation ($USD10.88M) is above average for companies of similar size in the US market ($USD5.25M).
Compensation vs Earnings: Dominic's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: AGO's management team is seasoned and experienced (10.3 years average tenure).
Board Members
Experienced Board: AGO's board of directors are considered experienced (7.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Assured Guaranty Ltd.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Assured Guaranty Ltd.
- Ticker: AGO
- Exchange: NYSE
- Founded: 2003
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$3.421b
- Shares outstanding: 72.96m
- Website: https://www.assuredguaranty.com
Number of Employees
Location
- Assured Guaranty Ltd.
- 30 Woodbourne Avenue
- Hamilton
- HM 08
- Bermuda
Listings
Biography
Assured Guaranty Ltd., through its subsidiaries, provides credit protection products to public finance, infrastructure, and structured finance markets in the United States and internationally. The company...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/09/16 22:53 |
| End of Day Share Price | 2021/09/16 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.