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Upturn AI SWOT - About
AMBC 
Ambac Financial Group Inc (AMBC)
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Upturn Advisory Summary
08/28/2025: AMBC (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
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14.67
1 Year Target Price $14.67
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.57% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 418.08M USD | Price to earnings Ratio - | 1Y Target Price 14.67 |
Price to earnings Ratio - | 1Y Target Price 14.67 | ||
Volume (30-day avg) 2 | Beta 0.92 | 52 Weeks Range 5.99 - 13.64 | Updated Date 08/28/2025 |
52 Weeks Range 5.99 - 13.64 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.54 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-08-07 | When - | Estimate -0.18 | Actual -0.22 |
Profitability
Profit Margin -269.45% | Operating Margin (TTM) -24.89% |
Management Effectiveness
Return on Assets (TTM) -0.26% | Return on Equity (TTM) -5.74% |
Valuation
Trailing PE - | Forward PE 12.42 | Enterprise Value 514272363 | Price to Sales(TTM) 1.62 |
Enterprise Value 514272363 | Price to Sales(TTM) 1.62 | ||
Enterprise Value to Revenue 2.03 | Enterprise Value to EBITDA - | Shares Outstanding 46401700 | Shares Floating 44000446 |
Shares Outstanding 46401700 | Shares Floating 44000446 | ||
Percent Insiders 6.59 | Percent Institutions 81.19 |
Upturn AI SWOT
Ambac Financial Group Inc
Company Overview
History and Background
Ambac Financial Group Inc. was founded in 1971 as American Municipal Bond Assurance Corporation. It evolved from primarily insuring municipal bonds to providing a broader range of financial guarantee products. Significant milestones include its peak in the early 2000s and subsequent struggles during the 2008 financial crisis. It has since restructured and refocused its business.
Core Business Areas
- Legacy Financial Guarantees: This segment involves the runoff of existing insurance policies, primarily related to municipal and structured finance obligations. Ambac no longer actively writes new business in this segment, instead managing its exposure and seeking recoveries.
- Specialty Insurance: Ambac's active insurance operations focused on providing specialty insurance products and services.
- Service and Advisory: Providing services and advisory solutions regarding financial assets and instruments.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments responsible for underwriting, risk management, claims, and other functions. The Board of Directors provides oversight.
Top Products and Market Share
Key Offerings
- Financial Guarantees (Legacy Run-Off): This involves managing the existing portfolio of financial guarantees. Ambac's market share is not applicable since they are managing existing policies not writing new ones. Competitors during the active period included Assured Guaranty (AGO) and MBIA (MBI).
- Specialty Insurance Products: Offering a variety of specialty products. Market share data is product-specific and can fluctuate depending on the line of business.
Market Dynamics
Industry Overview
The financial guarantee industry has contracted significantly since the 2008 financial crisis. Factors influencing the industry include regulatory changes, interest rates, and the overall economic environment. The specialty insurance sector is broader with specific competitive dynamics depending on the type of insurance product.
Positioning
Ambac is positioned as a company focused on managing its legacy liabilities and building a specialty insurance business. Its competitive advantage depends on effective risk management, strong capital, and successful execution of its strategic plan.
Total Addressable Market (TAM)
The TAM is difficult to determine precisely due to the closed nature of the legacy financial guarantees and the diversity of specialty insurance markets. Ambac is focused on carving out a niche position within specialty insurance, therefore it focuses on selected parts of the TAM.
Upturn SWOT Analysis
Strengths
- Experienced Management Team
- Strong Capital Position
- Legacy Asset Recoveries
- Refocusing on Specialty Insurance
- Strategic Asset Management
Weaknesses
- Legacy Liabilities
- Past Reputation Issues
- Limited Historical Revenue
- Reliance on Recoveries
- Relatively Small Size compared to competitors
Opportunities
- Growth in Specialty Insurance Markets
- New Product Development
- Strategic Partnerships
- Acquisitions
- Further Legacy Asset Monetization
Threats
- Economic Downturn
- Increased Competition
- Regulatory Changes
- Adverse Claims Development
- Interest Rate Risk
Competitors and Market Share
Key Competitors
- AGO
- MBI
- RILY
- WRBC
Competitive Landscape
Ambac faces competition from larger, more established financial guarantee and specialty insurance companies. Its advantages include its legacy asset recovery expertise and a refocused business model. Disadvantages include its past reputation issues and relatively small size.
Major Acquisitions
Conduit Holdings Limited
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: Conduit Holdings Limited was transferred to an unaffiliated third party in exchange for certain value.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is characterized by contraction due to legacy liabilities. More recent growth is driven by specialty insurance operations.
Future Projections: Future projections are dependent on the success of Ambac's specialty insurance business and the management of its legacy liabilities. Analyst estimates should be consulted.
Recent Initiatives: Recent initiatives include expanding specialty insurance offerings, managing legacy asset recoveries, and optimizing capital structure.
Summary
Ambac Financial Group is transitioning from a struggling financial guarantor to a specialty insurer, and is managing complex legacy liabilities. While recovery of legacy assets is working well, there are still risks with those liabilities. A potential positive is the focus on specialty insurance, but it must be successful in a competitive environment. Ambac needs to be wary of economic downturns and increased competitive pressures in that new sector.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Articles
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. The information is subject to change and may not be comprehensive.
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 Ambac Financial Group Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1991-07-11 | President, CEO & Director Mr. Claude L. LeBlanc CPA | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 380 | Website https://www.ambac.com |
Full time employees 380 | Website https://www.ambac.com | ||
Ambac Financial Group, Inc. operates as a financial services holding company. It operates in two segments, Specialty Property and Casualty Insurance; and Insurance Distribution. The Specialty Property and Casualty Insurance segment provides specialty property and casualty program insurance with a focus on commercial and personal liability risks. The Insurance Distribution segment offers specialty property and casualty insurance distribution services, which include managing general agents, underwriters, insurance broker, and other distribution and underwriting businesses. The company was founded in 1971 and is headquartered in New York, New York.
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