Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
AGO 
Assured Guaranty Ltd (AGO)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
02/27/2026: 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 $107
1 Year Target Price $107
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.10B USD | Price to earnings Ratio 10.56 | 1Y Target Price 107 |
Price to earnings Ratio 10.56 | 1Y Target Price 107 | ||
Volume (30-day avg) 4 | Beta 0.9 | 52 Weeks Range 73.21 - 92.40 | Updated Date 03/1/2026 |
52 Weeks Range 73.21 - 92.40 | Updated Date 03/1/2026 | ||
Dividends yield (FY) 1.57% | Basic EPS (TTM) 8.16 |
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 2026-02-26 | When - | Estimate 1.49 | Actual 2.32 |
Profitability
Profit Margin 53.8% | Operating Margin (TTM) 50.64% |
Management Effectiveness
Return on Assets (TTM) 2.46% | Return on Equity (TTM) 9.58% |
Valuation
Trailing PE 10.56 | Forward PE 11.98 | Enterprise Value 5520065079 | Price to Sales(TTM) 4.39 |
Enterprise Value 5520065079 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 46109095 | Shares Floating 42654807 |
Shares Outstanding 46109095 | Shares Floating 42654807 | ||
Percent Insiders 7.81 | Percent Institutions 92.29 |
Upturn AI SWOT
Assured Guaranty Ltd
Company Overview
History and Background
Assured Guaranty Ltd. (AGO) was founded in 1983 as Assured Guaranty Corp. It was a wholly-owned subsidiary of The Continental Corporation. In 2004, it was acquired by a consortium of private equity firms and rebranded as Assured Guaranty Ltd. It later went public through an IPO in 2004. The company has since grown to become a leading provider of financial guaranty insurance in the U.S. public finance and structured finance markets.
Core Business Areas
- Public Finance: This segment insures new-issue municipal bonds, including general obligation bonds, revenue bonds, and special assessment bonds, across various sectors such as general obligation, transportation, education, health care, and housing. The primary goal is to enhance the credit quality of these bonds, making them more attractive to investors and lowering borrowing costs for issuers.
- Structured Finance: This segment insures obligations backed by various asset classes, including residential mortgage-backed securities (RMBS), commercial mortgage-backed securities (CMBS), and other securitized products. Assured Guaranty plays a critical role in providing credit enhancement to these complex financial instruments, thereby supporting the broader capital markets.
- U.S. Public Finance: This segment focuses on insuring the debt obligations of U.S. municipalities and other public entities. This includes a broad spectrum of credits ranging from investment-grade to non-investment-grade. The company's expertise lies in analyzing and underwriting the creditworthiness of these public entities and their revenue streams.
- International Insurance: While its core business is U.S.-centric, Assured Guaranty also has a presence in international markets, offering financial guaranty insurance for infrastructure projects and other debt obligations in select foreign jurisdictions. This segment is smaller in scale compared to its U.S. operations.
Leadership and Structure
Assured Guaranty Ltd. is led by a seasoned management team with extensive experience in the financial services and insurance industries. The company operates through its various subsidiaries, each specializing in its respective line of business. The ultimate oversight rests with the Board of Directors.
Top Products and Market Share
Key Offerings
- Municipal Bond Insurance: Assured Guaranty is a leading provider of financial guaranty insurance for new-issue municipal bonds. This product enhances the credit rating of municipal debt, making it more attractive to investors and lowering borrowing costs for issuers. Competitors include Build America Mutual Assurance Company (BAM) and other smaller monoline insurers and multi-line insurers with municipal guaranty capabilities.
- Securitized Product Insurance: The company insures various structured finance obligations, primarily those backed by mortgages (residential and commercial). This product helps to provide credit enhancement and improve the marketability of securitized assets. Key competitors in this space are less direct due to the specialized nature, but broadly include other financial guarantors and investors who take on credit risk.
Market Dynamics
Industry Overview
The financial guaranty insurance industry, particularly for municipal bonds, is highly specialized and subject to regulatory oversight. It is influenced by interest rate environments, credit market conditions, and the fiscal health of municipal entities. The structured finance segment is tied to the broader securitization markets and investor appetite for credit risk.
Positioning
Assured Guaranty is one of the largest and most established players in the municipal bond insurance market, known for its strong credit underwriting and capital base. Its significant market share and deep expertise provide a competitive advantage. In the structured finance market, it is a key participant in providing credit enhancement for securitized products.
Total Addressable Market (TAM)
The TAM for municipal bond insurance is substantial, reflecting the multi-trillion dollar municipal debt market. Assured Guaranty is positioned as a leading provider within this TAM, capturing a significant portion of the insured new-issue municipal market. The TAM for structured finance insurance is also large, tied to the ongoing issuance of securitized debt.
Upturn SWOT Analysis
Strengths
- Strong capital position and financial strength ratings
- Extensive experience and expertise in credit underwriting
- Diversified business lines within financial guaranty
- Established relationships with issuers and investors
- Reputation for reliability and claim paying ability
Weaknesses
- Sensitivity to economic downturns impacting municipal finances and structured assets
- Regulatory risks and capital requirements
- Potential for large claim events
- Limited growth opportunities in a mature market
Opportunities
- Increased demand for credit enhancement in uncertain economic times
- Potential for new product development or expansion into related financial services
- Leveraging existing capital and expertise for strategic acquisitions
- Continued issuance of municipal debt for infrastructure and other projects
Threats
- Deterioration in the credit quality of insured entities
- Adverse changes in interest rates
- Increased competition from other guarantors or alternative risk transfer mechanisms
- Changes in regulatory landscape
- Systemic financial crises
Competitors and Market Share
Key Competitors
- Build America Mutual Assurance Company (BAM) (US Stock Symbol: BAM)
- Fitch Ratings (Rating Agency, not a direct competitor but influences market perception)
- Moody's Investors Service (Rating Agency)
- S&P Global Ratings (Rating Agency)
Competitive Landscape
Assured Guaranty's advantages lie in its strong financial strength, established reputation, and deep underwriting expertise. Disadvantages could include its concentrated business model and exposure to systemic risks. Competition comes from other monoline guarantors, rating agencies' influence on market pricing, and multi-line insurers who may offer a broader suite of financial products.
Growth Trajectory and Initiatives
Historical Growth: Historically, Assured Guaranty has grown through a combination of organic growth in its core business lines and strategic acquisitions. Its focus has been on maintaining financial strength and underwriting discipline while expanding its insured portfolio.
Future Projections: Future growth is expected to be driven by continued demand for municipal bond insurance and the potential for expansion in structured finance. Analyst projections would typically focus on earnings per share growth and book value per share growth.
Recent Initiatives: Recent initiatives may include efforts to optimize its investment portfolio, enhance operational efficiencies, and potentially explore new insurance markets or products within its risk appetite. Strategic capital management and share repurchases could also be part of its initiatives.
Summary
Assured Guaranty Ltd. is a strong player in the financial guaranty sector, particularly in municipal bond insurance. Its robust capital, extensive experience, and solid reputation are significant strengths. The company needs to vigilantly manage risks associated with economic downturns and potential large claim events, while also navigating a competitive and regulated market. Continued focus on underwriting discipline and prudent investment management will be crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations website
- SEC Filings (10-K, 10-Q)
- Financial news and analysis websites (e.g., Bloomberg, Reuters, Yahoo Finance)
- Industry reports
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice. Data accuracy is dependent on the sources used, and market conditions are subject to change. Investors should conduct their own due diligence before making any investment decisions.
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 | CEO - | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.