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Upturn AI SWOT - About
AGO 
Assured Guaranty Ltd (AGO)
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Upturn Advisory Summary
12/01/2025: AGO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 |
Analysis of Past Performance
Type Stock | Historic Profit 21.34% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.29B USD | Price to earnings Ratio 11.06 | 1Y Target Price 107 |
Price to earnings Ratio 11.06 | 1Y Target Price 107 | ||
Volume (30-day avg) 4 | Beta 0.91 | 52 Weeks Range 73.21 - 94.98 | Updated Date 12/1/2025 |
52 Weeks Range 73.21 - 94.98 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.47% | 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 2025-11-05 | When - | Estimate 1.5 | Actual 2.57 |
Profitability
Profit Margin 44.13% | Operating Margin (TTM) 67.14% |
Management Effectiveness
Return on Assets (TTM) 2.33% | Return on Equity (TTM) 7.41% |
Valuation
Trailing PE 11.06 | Forward PE 12.89 | Enterprise Value 5719717461 | Price to Sales(TTM) 4.71 |
Enterprise Value 5719717461 | Price to Sales(TTM) 4.71 | ||
Enterprise Value to Revenue 5.93 | Enterprise Value to EBITDA - | Shares Outstanding 46109095 | Shares Floating 43368415 |
Shares Outstanding 46109095 | Shares Floating 43368415 | ||
Percent Insiders 7.09 | Percent Institutions 97.64 |
Upturn AI SWOT
Assured Guaranty Ltd
Company Overview
History and Background
Assured Guaranty Ltd. (AGO) was founded in 2003, following the merger of ACE Guaranty Re Inc. and XL Capital Assurance Inc. It emerged as a leading provider of financial guaranty insurance, initially focused on municipal bonds and expanding into other sectors.
Core Business Areas
- Financial Guaranty: Provides guarantees on debt obligations, including municipal bonds, infrastructure finance, and structured finance transactions. This is the core business, protecting investors against default.
- Asset Management: Manages a portfolio of investments, ensuring sufficient liquidity to meet claims obligations. A smaller part of the business, centered around financial stability.
Leadership and Structure
The leadership team includes Dominic Frederico (President and CEO). The organizational structure is typical of a financial services company, with departments focused on underwriting, risk management, finance, and legal.
Top Products and Market Share
Key Offerings
- Municipal Bond Insurance: AGO insures municipal bonds, protecting investors from default. AGO is a dominant player in this space. Market Share around 60-70%. Competitors include Build America Mutual and National Public Finance Guarantee Corp.
- Infrastructure Finance Insurance: AGO provides insurance for infrastructure projects, covering various risks. The market share varies depending on the specific project and geography, but AGO is a significant participant. Competitors include Build America Mutual and National Public Finance Guarantee Corp.
Market Dynamics
Industry Overview
The financial guaranty insurance industry is characterized by a few major players and is sensitive to macroeconomic conditions, interest rates, and credit cycles. Demand fluctuates based on the appetite for risk and the availability of alternative credit enhancement mechanisms.
Positioning
Assured Guaranty Ltd. is positioned as one of the leading financial guaranty insurers, particularly in the municipal bond market. Its competitive advantages include a strong capital base, experienced underwriting team, and a reputation for financial strength.
Total Addressable Market (TAM)
The annual TAM for municipal bond insurance is estimated to be in the billions of dollars, depending on issuance volume. AGO is well-positioned to capture a significant portion of this market. Infrastructure finance has a much larger TAM, but AGO's market share is smaller but growing.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced underwriting team
- Dominant market share in municipal bond insurance
- Reputation for financial strength
- Proven risk management capabilities
Weaknesses
- Sensitivity to macroeconomic conditions
- Concentration in the municipal bond market
- Potential for large claims in stressed economic environments
- Regulatory scrutiny
Opportunities
- Expanding into new markets and product lines
- Capitalizing on infrastructure investment trends
- Benefiting from increased risk aversion among investors
- Leveraging technology to improve underwriting and risk management
Threats
- Economic downturns
- Rising interest rates
- Increased competition from alternative credit enhancement mechanisms
- Changes in regulations
- Unexpected large claims events
Competitors and Market Share
Key Competitors
- BAM
- NFIN
Competitive Landscape
AGO has a significant advantage due to its size and established presence. BAM is a mutual insurer, providing a different risk profile. NFIN is smaller and more focused.
Growth Trajectory and Initiatives
Historical Growth: Historical data will be available from Yahoo finance.
Future Projections: Analyst estimates are available from Yahoo finance.
Recent Initiatives: Recent initiatives can be derived from investor relations pages and news releases.
Summary
Assured Guaranty is a strong player in the financial guaranty insurance market, particularly in municipal bonds. Its strong capital base and experienced team are advantages. However, it faces risks from economic downturns and competition. Expanding into new markets represents a growth opportunity.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (SEC), Market research reports, News articles, Investor relations pages
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
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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