AGO

Assured Guaranty Ltd.

Fundamental data last updated:September 6, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Specialty

Exchange

NYSE

County of HQ

BM

Next Earnings Date

Pending Announcement

Business Summary

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 operates in two segments, Insurance and Asset Management. It offers financial guaranty insurance that protects holders of debt instruments and other monetary obligations from defaults in scheduled payments. The company insures and reinsures various debt obligations, including bonds issued by the United States state governmental authorities; and notes issued to finance infrastructure projects. It also insures and reinsures various the U.S. public finance obligations, such as general obligation, tax-backed, municipal utility, transportation, healthcare, higher education, infrastructure, housing revenue, investor-owned utility, renewable energy, and other public finance bonds. Further, it is involved in insuring and reinsuring of non-U.S. public finance obligations comprising regulated utilities, infrastructure finance, sovereign and sub-sovereign, renewable energy bonds, pooled infrastructure, and other public finance obligations; and the U.S. and non-U.S. Structured finance obligations, including residential mortgage-backed securities, life insurance transactions, consumer receivables securities, pooled corporate obligations, financial products, and other structured finance securities. Additionally, the company offers specialty insurance and reinsurance that include life and aircraft residual value insurance transactions; and asset management services comprising investment advisory services, including management of collateralized loan obligations, and opportunity and liquid strategy funds. It markets its financial guaranty insurance directly to issuers and underwriters of public finance and structured finance securities, as well as to investors in such obligations. Assured Guaranty Ltd. was incorporated in 2003 and is headquartered in Hamilton, Bermuda.

 


VALUATION

P/E

8.12

Market Cap ($M USD)

$3.28B

Forward P/E

8.90

PEG

-1.01

PRICE TO SALES

3.45

PRICE TO BOOK

0.61

EV / EBITDA

8.76

5-Year Average P/E

Free Cash Flow Yield

11.02%

DCF Value

$227.87

Graham Number

$158.45

Price to FCF

9.07

EV to FCF

12.92

Earnings Yield

12.32%

FCF Yield

11.02%

DIVIDEND

Yield

1.94%

Annual Payout

$1.44

Payout Ratio

16.39%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$9.14

Next Year EPS Growth Estimate

$8.34

Next Year Revenue Growth Estimate

$1.05B

Return on Equity (ROE)

7.38%

FREE CASH FLOW

Operating Margin

49.11%

Debt-to-Equity

0.30

Piotroski F-Score

6

Altman Z-Score

1.16

Return on Invested Capital (ROIC)

5.55%

Current Ratio

1.02

Quick Ratio

1.02

Net Debt to EBITDA

2.61

Interest Coverage

5.25

Gross Profit margin

94.64%

FCF PER SHARE

$7.97

REVENUE PER SHARE

$20.95

Gainseekers Quantitative Analysis

Summary

Assured Guaranty Ltd. appears significantly undervalued when juxtaposed against its DCF Value and Graham Number, suggesting a potential mispricing by the market. The Forward P/E of 8.70 and an Earnings Yield of 12.18% indicate a stock that is attractively priced relative to its earnings potential. However, the Altman Z-score of 2.00 raises caution, hinting at moderate financial distress risk. Despite this, the company’s robust operating margin of 49.11% and low Debt/Equity ratio of 0.30 underscore a solid financial foundation, making it a compelling candidate for value investors.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, Assured Guaranty Ltd., operating within the specialty insurance sector, may not be at the forefront of technological innovation. However, its industry is increasingly leveraging AI for risk assessment and underwriting efficiency. This positions the company to potentially enhance its operational processes and customer service through tech integration.

The Bull Case

For the discerning value or GARP investor, Assured Guaranty Ltd. offers a compelling proposition. With an ROIC of 3.70% and a Piotroski F-Score of 6, the company demonstrates reasonable capital efficiency and financial health. Its FCF Yield of 10.75% and impressive operating margin suggest strong cash generation and pricing power. These metrics collectively paint a picture of a company capable of delivering sustainable returns, making it an attractive buy for those seeking undervalued opportunities with solid fundamentals.

The Bear Case

Despite its strengths, Assured Guaranty Ltd. faces notable challenges. The Price/Book ratio of 0.61 may seem appealing, but the company's stock is trading below its 50-Day and 200-Day SMAs, indicating potential technical weakness. Furthermore, the Net Debt to EBITDA ratio of 2.61 suggests a reliance on debt that could become burdensome if earnings falter. Additionally, the company's low ROIC and modest Return on Equity of 7.38% could deter growth-focused investors seeking higher returns on invested capital.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$80.00

Institutional Ownership %

1-Year Beta

0.81

Insider Buying % (6 Mo)

Distance to 52-Week High

24.56%

Distance to 52-Week Low

0.05%

EARNINGS SURPRISE %

66.67%

50-DAY SMA

$80.55

200-DAY SMA

$84.12

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.