8-K Announcements
6Mar 23, 2026·SEC
Mar 19, 2026·SEC
Feb 27, 2026·SEC
Assured Guaranty Ltd. (AGO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Assured Guaranty Ltd. (AGO) stock price & volume — 10-year historical chart
Assured Guaranty Ltd. (AGO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Assured Guaranty Ltd. (AGO) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $2.32vs $1.54+50.6% | $277Mvs $206M+34.6% |
| Q4 2025 | Nov 6, 2025 | $2.42vs $1.54+57.1% | $199Mvs $197M+1.1% |
| Q3 2025 | Aug 7, 2025 | $1.01vs $1.57-35.7% | $199Mvs $197M+1.1% |
| Q2 2025 | May 8, 2025 | $3.18vs $3.15+1.0% | $345Mvs $232M+48.9% |
Assured Guaranty Ltd. (AGO) competitors in Financial Guaranty and Credit Enhancement — business model, growth, and fundamentals comparison
Assured Guaranty Ltd. (AGO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Assured Guaranty Ltd. (AGO) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.38B | 1.65B | 987M | 924M | 1.08B | 698M | 684M | 1.01B | 814M | 954M |
| Revenue Growth % | -29.41% | 19.64% | -40.22% | -6.38% | 17.32% | -35.61% | -2.01% | 48.39% | -19.8% | 0% |
| Medical Costs & Claims | 313M | 407M | 80M | 111M | 219M | -206M | 30M | 175M | -6M | 88M |
| Medical Cost Ratio % | 22.68% | 24.65% | 8.11% | 12.01% | 20.2% | -29.51% | 4.39% | 17.24% | -0.74% | 9.22% |
| Gross Profit | 1.07B▲ 0% | 1.24B▲ 16.6% | 907M▼ 27.1% | 813M▼ 10.4% | 865M▲ 6.4% | 904M▲ 4.5% | 654M▼ 27.7% | 840M▲ 28.4% | 820M▼ 2.4% | 866M▲ 0% |
| Gross Margin % | 77.32% | 75.35% | 91.89% | 87.99% | 79.8% | 129.51% | 95.61% | 82.76% | 100.74% | 90.78% |
| Gross Profit Growth % | -29.38% | 16.59% | -27.09% | -10.36% | 6.4% | 4.51% | -27.65% | 28.44% | -2.38% | - |
| Operating Expenses | 50M | 253M | 327M | 349M | 452M | 427M | 506M | 172M | 332M | 339M |
| OpEx / Revenue % | 3.62% | 15.32% | 33.13% | 37.77% | 41.7% | 61.17% | 73.98% | 16.95% | 40.79% | 35.53% |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Combined Ratio % | 26.3% | 39.98% | 41.24% | 49.78% | 61.9% | 31.66% | 78.36% | 34.19% | 40.05% | 44.76% |
| Operating Income | 1.02B▲ 0% | 991M▼ 2.6% | 580M▼ 41.5% | 464M▼ 20.0% | 413M▼ 11.0% | 477M▲ 15.5% | 148M▼ 69.0% | 668M▲ 351.4% | 488M▼ 26.9% | 527M▲ 0% |
| Operating Margin % | 73.7% | 60.02% | 58.76% | 50.22% | 38.1% | 68.34% | 21.64% | 65.81% | 59.95% | 55.24% |
| Operating Income Growth % | -28.93% | -2.56% | -41.47% | -20% | -10.99% | 15.5% | -68.97% | 351.35% | -26.95% | - |
| EBITDA | 1.12B | 1.09B | 674M | 553M | 498M | 564M | 229M | 758M | 579M | 617M |
| EBITDA Margin % | 81.09% | 65.9% | 68.29% | 59.85% | 45.94% | 80.8% | 33.48% | 74.68% | 71.13% | 64.68% |
| Interest Expense | 102M | 97M | 94M | 89M | 85M | 87M | 81M | 90M | 91M | 90M |
| Non-Operating Income | -102M | -97M | -94M | -89M | -85M | -87M | -81M | -90M | -91M | -90M |
| Pretax Income | 1.02B▲ 0% | 991M▼ 2.6% | 580M▼ 41.5% | 464M▼ 20.0% | 413M▼ 11.0% | 477M▲ 15.5% | 148M▼ 69.0% | 668M▲ 351.4% | 488M▼ 26.9% | 527M▲ 0% |
| Pretax Margin % | 73.7% | 60.02% | 58.76% | 50.22% | 38.1% | 68.34% | 21.64% | 65.81% | 59.95% | 55.24% |
| Income Tax | 136M | 261M | 59M | 63M | 45M | 58M | 11M | -93M | 96M | 100M |
| Effective Tax Rate % | 13.37% | 26.34% | 10.17% | 13.58% | 10.9% | 12.16% | 7.43% | -13.92% | 19.67% | 18.98% |
| Net Income | 881M▲ 0% | 730M▼ 17.1% | 521M▼ 28.6% | 402M▼ 22.8% | 362M▼ 10.0% | 389M▲ 7.5% | 124M▼ 68.1% | 739M▲ 496.0% | 376M▼ 49.1% | 402M▲ 0% |
| Net Margin % | 63.84% | 44.22% | 52.79% | 43.51% | 33.39% | 55.73% | 18.13% | 72.81% | 46.19% | 42.14% |
| Net Income Growth % | -16.57% | -17.14% | -28.63% | -22.84% | -9.95% | 7.46% | -68.12% | 495.97% | -49.12% | -45.23% |
| EPS (Diluted) | 6.56▲ 0% | 5.96▼ 9.1% | 4.68▼ 21.5% | 4.00▼ 14.5% | 4.19▲ 4.8% | 5.24▲ 25.1% | 1.92▼ 63.4% | 12.30▲ 540.6% | 6.87▼ 44.1% | 8.14▲ 0% |
| EPS Growth % | -7.34% | -9.15% | -21.48% | -14.53% | 4.75% | 25.06% | -63.36% | 540.63% | -44.15% | -38.28% |
| EPS (Basic) | 6.61 | 6.05 | 4.74 | 4.04 | 4.22 | 5.29 | 1.96 | 12.55 | 7.01 | - |
| Diluted Shares Outstanding | 134.1M | 122.3M | 111.3M | 100.2M | 86.2M | 74.3M | 63.9M | 59.6M | 54.3M | 49.4M |
Assured Guaranty Ltd. (AGO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 14.15B | 14.43B | 13.6B | 14.33B | 15.33B | 18.21B | 16.84B | 12.54B | 11.9B | 12.1B |
| Asset Growth % | -2.7% | 1.99% | -5.75% | 5.32% | 7.04% | 18.74% | -7.5% | -25.55% | -5.09% | -8.47% |
| Total Investment Assets | 11.87B | 12.1B | 11.44B | 20.69B | 10.13B | 19.11B | 16.58B | 9.44B | 8.81B | 4M |
| Long-Term Investments | 11.7B | 12B | 11.39B | 10.56B | 9.92B | 9.69B | 8.65B | 1.16B | 6.32B | 26.11B |
| Short-Term Investments | 10.82B | 11.3B | 10.82B | 10.12B | 9.62B | 9.43B | 7.93B | 7.97B | 2.34B | 2.47B |
| Total Current Assets | 10.94B | 11.75B | 12.32B | 12.32B | 0 | 11.72B | 9.59B | 0 | 0 | 8.02B |
| Cash & Equivalents | 118M | 144M | 104M | 169M | 162M | 120M | 107M | 97M | 121M | 157M |
| Receivables | 0 | 0 | 0 | 1.29B | 2.36B | 2.17B | 1.55B | 1.77B | 1.95B | 7.95B |
| Other Current Assets | 0 | 0 | 0 | 4.35B | -12.15B | 3.6B | 2.92B | -9.83B | -4.41B | -453M |
| Goodwill & Intangibles | 106M | 101M | 129M | 216M | 203M | 175M | 163M | 6M | 176M | 732M |
| Goodwill | 0 | 0 | 0 | 117M | 117M | 117M | 117M | 0 | 0 | 0 |
| Intangible Assets | 106M | 101M | 129M | 99M | 86M | 58M | 46M | 6M | 176M | 190M |
| PP&E (Net) | -106M | -101M | 10.96B | 572M | 1.91B | 5.27B | 5.49B | 366M | 101M | 0 |
| Other Assets | -11.7B | -12B | -11.39B | -254M | -12.04B | -195M | -114M | -1.53B | -6.6B | -6.62B |
| Total Liabilities | 7.65B | 7.59B | 7.05B | 7.67B | 8.63B | 11.71B | 11.55B | 6.77B | 6.35B | 6.36B |
| Total Debt | 1.31B | 1.29B | 1.23B | 1.24B | 1.22B | 1.67B | 6.99B | 1.69B | 1.7B | 1.7B |
| Net Debt | 1.19B | 1.15B | 1.13B | 1.07B | 1.06B | 1.55B | 6.88B | 1.6B | 1.58B | 1.54B |
| Long-Term Debt | 1.31B | 1.29B | 1.23B | 1.24B | 1.08B | 1.67B | 6.87B | 1.69B | 1.7B | 1.7B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 145M | 0 | 23M | 16M | 13M | 0 |
| Total Current Liabilities | 64M | 61M | 1.18B | 1.08B | 0 | 928M | 297M | 0 | 3.99B | 0 |
| Accounts Payable | 64M | 61M | 0 | 30M | 0 | 16M | 1M | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 43M | 0 | 0 | 3.72B | 3.66B |
| Other Current Liabilities | -64M | -61M | 0 | 1.05B | -145M | 299M | 161M | -16M | 255M | -3.66B |
| Deferred Taxes | 1000K | 1000K | 1000K | 0 | 0 | 1000K | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 5.82B | 6.44B | -1.08B | -1.67B | 9.88B | 5.08B | 4.65B | 4.66B |
| Total Equity | 6.5B▲ 0% | 6.84B▲ 5.2% | 6.55B▼ 4.2% | 6.65B▲ 1.5% | 6.71B▲ 0.8% | 6.5B▼ 3.1% | 5.29B▼ 18.6% | 5.76B▲ 8.9% | 5.55B▼ 3.7% | 5.74B▲ 0% |
| Equity Growth % | 7.27% | 5.15% | -4.15% | 1.48% | 0.8% | -3.06% | -18.58% | 8.94% | -3.68% | -2.5% |
| Shareholders Equity | 6.5B | 6.84B | 6.55B | 6.64B | 6.64B | 6.29B | 5.06B | 5.71B | 5.5B | 5.66B |
| Minority Interest | 0 | 0 | 0 | 13M | 62M | 208M | 228M | 52M | 58M | 79M |
| Retained Earnings | 5.29B | 5.89B | 6.37B | 6.29B | 6.14B | 5.99B | 5.58B | 6.07B | 5.88B | 5.84B |
| Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 0 |
| Accumulated OCI | 149M | 372M | 93M | 342M | 498M | 300M | -515M | -359M | -385M | -179M |
| Return on Equity (ROE) | 14.02% | 10.94% | 7.78% | 6.09% | 5.42% | 5.89% | 2.1% | 13.37% | 6.64% | 7.01% |
| Return on Assets (ROA) | 6.14% | 5.11% | 3.72% | 2.88% | 2.44% | 2.32% | 0.71% | 5.03% | 3.08% | 3.32% |
| Equity / Assets | 45.96% | 47.38% | 48.19% | 46.43% | 43.73% | 35.7% | 31.42% | 45.98% | 46.66% | 47.41% |
| Debt / Equity | 0.20x | 0.19x | 0.19x | 0.19x | 0.18x | 0.26x | 1.32x | 0.29x | 0.31x | 0.31x |
| Book Value per Share | 48.50 | 55.92 | 58.89 | 66.39 | 77.78 | 87.48 | 82.82 | 96.73 | 102.27 | 116.13 |
| Tangible BV per Share | 47.71 | 55.09 | 57.74 | 64.23 | 75.43 | 85.13 | 80.27 | 96.63 | 99.02 | 112.29 |
Assured Guaranty Ltd. (AGO) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -141M | 433M | 462M | -509M | -853M | -1.94B | -2.48B | 461M | 47M | 47M |
| Operating CF Growth % | -171.15% | 407.09% | 6.7% | -210.17% | -67.58% | -127.08% | -27.98% | 118.6% | -89.8% | 398.24% |
| Operating CF / Revenue % | -10.22% | 26.23% | 46.81% | -55.09% | -78.69% | -277.51% | -362.43% | 45.42% | 5.77% | 4.93% |
| Net Income | 881M | 730M | 521M | 137M | 368M | 419M | 137M | 761M | 376M | 402M |
| Depreciation & Amortization | -34M | -46M | -31M | -35M | 13M | 12M | 11M | 0 | 0 | 0 |
| Stock-Based Compensation | 13M | 16M | 19M | 21M | 25M | 27M | 39M | 0 | 0 | -28M |
| Deferred Taxes | 19M | 250M | 74M | 65M | 58M | -38M | -3M | -156M | -4M | 0 |
| Other Non-Cash Items | -27M | -26M | 32M | 3M | -975M | -2.36B | -1.34B | -8M | -215M | 335M |
| Working Capital Changes | -720M | -284M | -165M | -700M | -342M | 2M | -1.32B | -136M | -110M | -322M |
| Cash from Investing | 1.08B | 345M | 297M | 1.17B | 788M | 23M | 1.74B | 286M | 780M | 514M |
| Capital Expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 25M | 0 | 0 | 0 |
| Acquisitions | -435M | 95M | 0 | -233M | -19M | -79M | -25M | -198M | 0 | -1000K |
| Purchase of Investments | -1.65B | -2.55B | -2.21B | -1.73B | -1.47B | -1.65B | -459M | -1.43B | -1.35B | -1.22B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 3M |
| Other Investing | 620M | 206M | 133M | 187M | 84M | 56M | 81M | 172M | 2.13B | -69M |
| Cash from Financing | -978M | -766M | -795M | -584M | 183M | 1.96B | 612M | -670M | -983M | -791M |
| Dividends Paid | -69M | -70M | -71M | -74M | -69M | -66M | -64M | -67M | -68M | -69M |
| Share Repurchases | -308M | -501M | -500M | -500M | -446M | -496M | -500M | -199M | -502M | -459M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -2M |
| Other Financing | 12M | -165M | -123M | -182M | -42M | 0 | -57M | -248M | -38M | -398M |
| Net Change in Cash | -48M▲ 0% | 17M▲ 135.4% | -40M▼ 335.3% | 79M▲ 297.5% | 115M▲ 45.6% | 44M▼ 61.7% | -135M▼ 406.8% | 79M▲ 158.5% | -158M▼ 300.0% | -9M▲ 0% |
| Exchange Rate Effect | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 0 |
| Cash at Beginning | 166M | 127M | 144M | 104M | 183M | 298M | 342M | 207M | 286M | 325M |
| Cash at End | 118M | 144M | 104M | 183M | 298M | 342M | 207M | 286M | 128M | 164M |
| Free Cash Flow | -141M▲ 0% | 433M▲ 407.1% | 462M▲ 6.7% | -509M▼ 210.2% | -853M▼ 67.6% | -1.94B▼ 127.1% | -2.45B▼ 26.7% | 461M▲ 118.8% | 47M▼ 89.8% | 266M▲ 0% |
| FCF Growth % | -171.15% | 407.09% | 6.7% | -210.17% | -67.58% | -127.08% | -26.69% | 118.79% | -89.8% | 30.39% |
| FCF Margin % | -10.22% | 26.23% | 46.81% | -55.09% | -78.69% | -277.51% | -358.77% | 45.42% | 5.77% | 27.88% |
| FCF per Share | -1.05 | 3.54 | 4.15 | -5.08 | -9.9 | -26.07 | -38.4 | 7.73 | 0.87 | 0.87 |
Assured Guaranty Ltd. (AGO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 26.3% | 39.98% | 41.24% | 49.78% | 61.9% | 31.66% | 78.36% | 34.19% | 40.05% | 44.76% |
| Medical Cost Ratio | 22.68% | 24.65% | 8.11% | 12.01% | 20.2% | -29.51% | 4.39% | 17.24% | -0.74% | 9.22% |
| Return on Equity (ROE) | 14.02% | 10.94% | 7.78% | 6.09% | 5.42% | 5.89% | 2.1% | 13.37% | 6.64% | 7.01% |
| Return on Assets (ROA) | 6.14% | 5.11% | 3.72% | 2.88% | 2.44% | 2.32% | 0.71% | 5.03% | 3.08% | 3.32% |
| Equity / Assets | 45.96% | 47.38% | 48.19% | 46.43% | 43.73% | 35.7% | 31.42% | 45.98% | 46.66% | 47.41% |
| Book Value / Share | 48.5 | 55.92 | 58.89 | 66.39 | 77.78 | 87.48 | 82.82 | 96.73 | 102.27 | 116.13 |
| Debt / Equity | 0.20x | 0.19x | 0.19x | 0.19x | 0.18x | 0.26x | 1.32x | 0.29x | 0.31x | 0.31x |
| Revenue Growth | -29.41% | 19.64% | -40.22% | -6.38% | 17.32% | -35.61% | -2.01% | 48.39% | -19.8% | 0% |
Assured Guaranty Ltd. (AGO) SEC filings — annual & quarterly reports (10-K, 10-Q)
Mar 23, 2026·SEC
Mar 19, 2026·SEC
Feb 27, 2026·SEC
Assured Guaranty Ltd. (AGO) stock FAQ — growth, dividends, profitability & financials explained
Assured Guaranty Ltd. (AGO) saw revenue decline by 19.8% over the past year.
Yes, Assured Guaranty Ltd. (AGO) is profitable, generating $402.0M in net income for fiscal year 2024 (46.2% net margin).
Yes, Assured Guaranty Ltd. (AGO) pays a dividend with a yield of 1.53%. This makes it attractive for income-focused investors.
Assured Guaranty Ltd. (AGO) has a return on equity (ROE) of 6.6%. This is below average, suggesting room for improvement.
Assured Guaranty Ltd. (AGO) has a combined ratio of 40.0%. A ratio below 100% indicates underwriting profitability.
Assured Guaranty Ltd. (AGO) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates