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SKWD 
Skyward Specialty Insurance Group, Inc. Common Stock (SKWD)
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Upturn Advisory Summary
12/01/2025: SKWD (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $61.7
1 Year Target Price $61.7
| 3 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 54.43% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.98B USD | Price to earnings Ratio 14.53 | 1Y Target Price 61.7 |
Price to earnings Ratio 14.53 | 1Y Target Price 61.7 | ||
Volume (30-day avg) 12 | Beta 0.56 | 52 Weeks Range 41.28 - 65.05 | Updated Date 11/30/2025 |
52 Weeks Range 41.28 - 65.05 | Updated Date 11/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.37 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.57% | Operating Margin (TTM) 16.33% |
Management Effectiveness
Return on Assets (TTM) 2.87% | Return on Equity (TTM) 16.06% |
Valuation
Trailing PE 14.53 | Forward PE 10.76 | Enterprise Value 1941754390 | Price to Sales(TTM) 1.48 |
Enterprise Value 1941754390 | Price to Sales(TTM) 1.48 | ||
Enterprise Value to Revenue 1.45 | Enterprise Value to EBITDA - | Shares Outstanding 40487365 | Shares Floating 37430164 |
Shares Outstanding 40487365 | Shares Floating 37430164 | ||
Percent Insiders 12.53 | Percent Institutions 94.57 |
Upturn AI SWOT
Skyward Specialty Insurance Group, Inc. Common Stock
Company Overview
History and Background
Skyward Specialty Insurance Group, Inc. was founded in 2007 as Houston International Insurance Group (HIIG). It was rebranded as Skyward Specialty Insurance Group in January 2021. The company has grown through organic expansion and strategic acquisitions, focusing on specialty insurance markets.
Core Business Areas
- Accident & Health: Offers a range of customized accident and health insurance products, including employer stop loss, medical excess, and managed care errors and omissions.
- Specialty Lines: Provides insurance coverage for various niche markets, such as aviation, construction, energy, and environmental risks.
- Commercial Property: Offers commercial property insurance solutions for small to mid-sized businesses.
- Surety: Offers contract, commercial and fidelity surety bonds.
- Global Property & Casualty: Addresses the property and casualty marketplace with targeted solutions for large risks.
Leadership and Structure
Skyward Specialty is led by Andrew Robinson (CEO) and has a traditional corporate structure with a board of directors and executive management team overseeing various business segments and support functions.
Top Products and Market Share
Key Offerings
- Employer Stop Loss: Protects employers from catastrophic medical expenses exceeding specific limits. Market share data is proprietary but the segment is competitive. Competitors include Tokio Marine HCC, HM Insurance Group, and Berkley Accident and Health.
- Aviation Insurance: Provides coverage for general aviation, commercial aviation and airport liability. Market share data is proprietary, but competition includes Global Aerospace, Starr Aviation, and AIG.
- Contract Surety Bonds: Provides payment and performance bonds for the construction industry. Competitors include Travelers, CNA Surety and Old Republic Surety.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by niche products, higher underwriting margins, and specialized expertise. It is influenced by economic cycles, regulatory changes, and emerging risks.
Positioning
Skyward Specialty focuses on underserved and complex risks, differentiating itself through underwriting expertise, specialized product offerings, and agility. Their advantage is flexibility and speed.
Total Addressable Market (TAM)
The TAM for specialty insurance in the US is estimated to be in the tens of billions of dollars annually. Skyward Specialty aims to capture a growing share of this market through targeted product offerings and geographic expansion.
Upturn SWOT Analysis
Strengths
- Specialized underwriting expertise
- Agile and entrepreneurial culture
- Strong distribution network
- Diversified product portfolio
- Experienced management team
Weaknesses
- Smaller scale compared to larger competitors
- Reliance on niche markets
- Potential for volatility in underwriting results
- Limited brand recognition compared to established players
Opportunities
- Expansion into new specialty markets
- Increased demand for specialized insurance solutions
- Strategic acquisitions
- Technological innovation to improve efficiency
- Growing awareness of emerging risks (cyber, climate)
Threats
- Increased competition from larger players
- Economic downturn impacting premium volume
- Regulatory changes
- Catastrophic events leading to large losses
- Rising reinsurance costs
Competitors and Market Share
Key Competitors
- WRB (W. R. Berkley Corporation)
- SIGI (Selective Insurance Group, Inc.)
- THG (The Hanover Insurance Group, Inc.)
Competitive Landscape
Skyward Specialty competes with larger, more established players. Its advantages include its niche focus, underwriting expertise, and agile culture. Disadvantages include its smaller size and brand recognition.
Major Acquisitions
StarStone Aviation, Inc.
- Year: 2020
- Acquisition Price (USD millions): 42
- Strategic Rationale: Expanded Skyward Specialty's presence in the aviation insurance market.
Growth Trajectory and Initiatives
Historical Growth: Evaluation of Skyward Specialty's historical growth trends requires access to the company's investor relations website and financial statements.
Future Projections: Analyst estimates and future growth projections require access to financial data and research reports.
Recent Initiatives: Skyward Specialty continues to expand its presence in various specialty lines. Recent initiatives include forming a new surety platform and expanding in the global property and casualty space.
Summary
Skyward Specialty is a smaller player in the specialty insurance market, focusing on niche products and agile underwriting. It's growing through acquisitions and organic expansion. The company faces competition from larger, more established players and must effectively manage underwriting risk. Successful execution of strategic initiatives and maintaining underwriting discipline will be key to future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Research Reports
- Market Data Aggregators
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on thorough research and consultation with a financial professional.
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 Skyward Specialty Insurance Group, Inc. Common Stock
Exchange NASDAQ | Headquaters Houston, TX, United States | ||
IPO Launch date 2023-01-13 | CEO & Chairperson of the Board Mr. Andrew Scott Robinson | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 580 | Website https://skywardinsurance.com |
Full time employees 580 | Website https://skywardinsurance.com | ||
Skyward Specialty Insurance Group, Inc., an insurance holding company, underwrites commercial property and casualty insurance products in the United States. It offers general liability, excess liability, professional liability, commercial auto, group accident and health, property, surety, agriculture, credit, and workers' compensation insurance products, as well as cannabis insurance. The company was formerly known as Houston International Insurance Group, Ltd. and changed its name to Skyward Specialty Insurance Group, Inc. in November 2020. Skyward Specialty Insurance Group, Inc. was incorporated in 2006 and is headquartered in Houston, Texas.
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