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Upturn AI SWOT - About
AGO 
Assured Guaranty Ltd (AGO)
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Upturn Advisory Summary
09/11/2025: AGO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $105.75
1 Year Target Price $105.75
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.15% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.96B USD | Price to earnings Ratio 9.14 | 1Y Target Price 105.75 |
Price to earnings Ratio 9.14 | 1Y Target Price 105.75 | ||
Volume (30-day avg) 4 | Beta 0.9 | 52 Weeks Range 73.49 - 95.35 | Updated Date 09/11/2025 |
52 Weeks Range 73.49 - 95.35 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 1.59% | Basic EPS (TTM) 9.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 52.53% | Operating Margin (TTM) 35.35% |
Management Effectiveness
Return on Assets (TTM) 2.37% | Return on Equity (TTM) 8.64% |
Valuation
Trailing PE 9.14 | Forward PE 11.83 | Enterprise Value 5357852092 | Price to Sales(TTM) 4.44 |
Enterprise Value 5357852092 | Price to Sales(TTM) 4.44 | ||
Enterprise Value to Revenue 5.27 | Enterprise Value to EBITDA - | Shares Outstanding 47593200 | Shares Floating 44847090 |
Shares Outstanding 47593200 | Shares Floating 44847090 | ||
Percent Insiders 6.92 | Percent Institutions 97.57 |
Upturn AI SWOT
Assured Guaranty Ltd
Company Overview
History and Background
Assured Guaranty Ltd. was founded in 2003 through the merger of Asset Guaranty Insurance Company and Financial Security Assurance Holdings Ltd. It has evolved from a monoline insurer to a diversified financial services company focused on credit protection products.
Core Business Areas
- Financial Guaranty: Provides guarantees for municipal bonds, infrastructure finance, and structured finance transactions. This includes insuring debt against default.
- Asset Management: Manages a portfolio of investments to support the company's insurance obligations.
- Risk Management: Evaluates and manages the risks associated with the company's insurance portfolio.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. The organizational structure is divided into business units focused on financial guaranty, asset management, and risk management.
Top Products and Market Share
Key Offerings
- Competitors: Build America Mutual (BAM)
- Market Share (%): 45
- Municipal Bond Insurance: Provides credit enhancement for municipal bonds, making them more attractive to investors by guaranteeing repayment of principal and interest. Market share fluctuates based on issuance volume, but Assured Guaranty is a major player. Competitors include Build America Mutual (BAM).
- Competitors: Build America Mutual (BAM)
- Infrastructure Finance Insurance: Guarantees debt issued to finance infrastructure projects, such as roads, bridges, and utilities. Competitors are limited; this is a specialized market. Market share data isn't readily disclosed.
- Market Share (%): 25
- Competitors: Build America Mutual (BAM)
- Market Share (%): 15
- Structured Finance Insurance: Guarantees debt securities backed by various assets, such as auto loans and credit card receivables. Market share data isn't readily disclosed.
Market Dynamics
Industry Overview
The financial guaranty industry is influenced by interest rates, economic growth, and regulatory changes. Demand for municipal bond insurance is driven by infrastructure needs and investor demand for credit enhancement.
Positioning
Assured Guaranty Ltd. is a leading provider of financial guaranty insurance. Its competitive advantages include its strong financial ratings, experienced management team, and established market presence.
Total Addressable Market (TAM)
The total addressable market for financial guarantees is estimated to be in the billions of dollars annually, depending on interest rates, and economic outlooks. Assured Guaranty is positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong financial ratings
- Experienced management team
- Established market presence
- Diversified business model
- Strong capital position
Weaknesses
- Exposure to macroeconomic risks
- Dependence on bond issuance volumes
- Potential for large claims
- Susceptibility to regulatory changes
Opportunities
- Increased demand for infrastructure financing
- Expansion into new markets
- Development of new insurance products
- Rising interest rates
- Growing ESG investment trends
Threats
- Economic downturns
- Rising interest rates
- Increased competition
- Regulatory changes
- Credit rating downgrades
Competitors and Market Share
Key Competitors
- BAM
Competitive Landscape
Assured Guaranty Ltd. has a competitive advantage over its competitors due to its strong financial ratings, experienced management team, and established market presence. However, it faces increasing competition from other financial guaranty insurers.
Major Acquisitions
MBIA UK Insurance Limited
- Year: 2017
- Acquisition Price (USD millions): 428
- Strategic Rationale: Expanded the Companyu2019s international platform and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Assured Guaranty Ltd. has experienced steady growth over the past years, driven by increased demand for its insurance products.
Future Projections: Analysts expect Assured Guaranty Ltd. to continue to grow its revenue and earnings in the coming years, driven by increased infrastructure spending and rising interest rates.
Recent Initiatives: Recent strategic initiatives undertaken by Assured Guaranty Ltd. include expanding its presence in emerging markets and developing new insurance products.
Summary
Assured Guaranty Ltd. exhibits strong financial performance with increasing revenue, net income, and EPS. Its strengths lie in its financial ratings, experienced team, and established presence. Key challenges include macroeconomic risks and regulatory changes, while future growth may be driven by infrastructure financing and rising interest rates. The company demonstrates robust growth and solid market positioning.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Assured Guaranty Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2004-04-23 | Deputy Chairman, President & CEO Mr. Dominic John Frederico CPA | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 361 | Website https://www.assuredguaranty.com |
Full time employees 361 | Website https://www.assuredguaranty.com | ||
Assured Guaranty Ltd., together with its subsidiaries, provides credit protection products to public finance and structured finance markets in the United States and internationally. It operates through two segments, Insurance and Asset Management. The company offers financial guaranty insurance that protects holders of debt instruments and other monetary obligations from defaults in scheduled payments. It also provides specialty insurance and reinsurance on transactions with risk profiles similar to those of its structured finance exposures written in financial guaranty form, as well as offers credit protection through reinsurance. In addition, the company 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, the company involved in insuring and reinsuring of non-U.S. public finance obligations comprising regulated utilities, infrastructure finance, sovereign and sub-sovereign, renewable energy bonds, and pooled infrastructure obligations; and the U.S. and non-U.S. structured finance obligations, including residential mortgage-backed securities, life insurance transactions, consumer receivables securities, subscription finance facilities, pooled corporate obligations, and financial products. Additionally, it offers specialty business, such as diversified real estate, insurance securitizations, pooled corporate obligations, and aircraft residual value insurance (RVI) transactions; and asset management services comprising investment advisory services. It markets its financial guaranty insurance directly to issuers and underwriters of public finance and structured finance securities, as well as to investors. Assured Guaranty Ltd. was incorporated in 2003 and is headquartered in Hamilton, Bermuda.
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