Ambac Financial Group, Inc. (AMBC) Financial Ratios
30 years of historical data (1995–2024) · Financial Services · Insurance - Specialty
EV/EBITDA
N/A
—
5yr avg: 128.14
30Y Low20.6·High74.5
P/FCF
↑
352.45
↑+33% vs avg
5yr avg: 265.00
30Y Low1.2·High11.5
P/B Ratio
↓
0.24
↓-59% vs avg
5yr avg: 0.58
30Y Low0.3·High1.2
ROE
↓
-42.4%
↑-533% vs avg
5yr avg: -6.7%
30Y Low-77%·High43%
Debt/EBITDA
N/A
—
5yr avg: 115.11
30Y Low0.6·High43.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AMBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ambac Financial Group, Inc. trades at 4.3x earnings, 91% below its 5-year average of 46.5x, sitting at the 67th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.7x, the stock trades at a discount of 68%. On a free-cash-flow basis, the stock trades at 352.5x P/FCF, 33% above the 5-year average of 265.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $269M | $594M | $752M | $809M | $747M | $710M | $991M | $803M | $725M | $1.0B | $648M |
| Enterprise Value | $371M | $697M | $4.2B | $4.5B | $7.2B | $7.9B | $8.3B | $8.9B | $13.3B | $13.2B | $14.1B |
| P/E Ratio → | 4.32 | — | 91.56 | 1.54 | — | — | — | 3.00 | — | 13.72 | 1.31 |
| P/S Ratio | 1.14 | 2.52 | 6.03 | 15.10 | 3.02 | 4.55 | 2.00 | 1.58 | 1.18 | 2.05 | 1.01 |
| P/B Ratio | 0.24 | 0.50 | 0.53 | 0.61 | 0.67 | 0.62 | 0.64 | 0.49 | 0.44 | 0.52 | 0.33 |
| P/FCF | 352.45 | 779.75 | 3.76 | 11.50 | — | — | — | — | — | 1.22 | 7.40 |
| P/OCF | 352.45 | 779.75 | 3.76 | 11.50 | — | — | — | — | — | 1.22 | 7.40 |
P/E links to full P/E history page with 30-year chart
AMBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.96 | 33.74 | 84.41 | 29.05 | 50.78 | 16.82 | 17.59 | 21.52 | 26.31 | 21.82 |
| EV / EBITDA | — | — | — | — | 128.14 | — | 74.49 | 23.40 | — | 47.03 | 20.60 |
| EV / EBIT | — | — | — | — | 37.97 | — | 97.01 | 17.35 | — | 57.58 | 22.45 |
| EV / FCF | — | 914.56 | 21.04 | 64.31 | — | — | — | — | — | 15.66 | 160.67 |
AMBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ambac Financial Group, Inc. earns an operating margin of -25.4%, below the Financial Services sector average of 20.0%. Operating margins have expanded from -66.6% to -25.4% over the past 3 years, signaling improving operational efficiency. A negative ROE of -42.4% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.8% | 41.8% | 38.5% | 45.4% | 129.1% | -44.2% | 97.4% | 143.9% | 16.7% | 102.3% | 219.3% |
| Operating Margin | -25.4% | -25.4% | -19.4% | -66.6% | -0.4% | -282.1% | -36.9% | 53.9% | -46.3% | 20.9% | 79.1% |
| Net Profit Margin | -236.0% | -236.0% | 2.9% | 972.3% | -6.9% | -280.1% | -43.5% | 52.6% | -53.4% | 14.9% | 76.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -42.4% | -42.4% | 0.3% | 42.7% | -1.5% | -32.6% | -13.6% | 16.3% | -18.2% | 3.8% | 27.2% |
| ROA | -6.8% | -6.8% | 0.0% | 5.1% | -0.1% | -3.3% | -1.5% | 1.4% | -1.4% | 0.3% | 2.0% |
| ROIC | -1.5% | -1.5% | -0.4% | -0.4% | -0.0% | -3.8% | -1.5% | 1.7% | -1.5% | 0.5% | 2.5% |
| ROCE | -0.7% | -0.7% | -0.3% | -0.4% | -0.0% | -3.3% | -1.3% | 1.5% | -1.2% | 0.5% | 2.1% |
AMBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $103M ($150M total debt minus $47M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 2.43 | 2.83 | 5.78 | 6.31 | 4.80 | 5.02 | 7.99 | 6.20 | 6.87 |
| Debt / EBITDA | — | — | — | — | 115.11 | — | 65.86 | 21.46 | — | 43.69 | 19.70 |
| Net Debt / Equity | — | 0.09 | 2.41 | 2.80 | 5.76 | 6.29 | 4.78 | 4.98 | 7.61 | 6.16 | 6.85 |
| Net Debt / EBITDA | — | — | — | — | 114.80 | — | 65.64 | 21.29 | — | 43.37 | 19.65 |
| Debt / FCF | — | 134.81 | 17.28 | 52.81 | — | — | — | — | — | 14.44 | 153.27 |
| Interest Coverage | -6.38 | -6.38 | — | — | -0.01 | -1.98 | -0.68 | 1.13 | -2.38 | 0.84 | 4.38 |
AMBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Ambac Financial Group, Inc.'s current ratio of 4.37x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 66.69x to 4.37x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 4.37 | 4.37 | — | 66.69 | 130.97 | — | 197.79 | 185.67 | 31.18 | 12.27 | 4889.02 |
| Quick Ratio | 4.37 | 4.37 | — | 111.90 | 228.30 | — | 336.55 | 292.38 | 252.23 | 233.02 | 190.68 |
| Cash Ratio | 1.61 | 1.61 | — | 49.54 | 56.12 | — | 112.21 | 109.66 | 154.01 | 142.87 | 99.18 |
| Asset Turnover | — | 0.03 | 0.01 | 0.01 | 0.02 | 0.01 | 0.04 | 0.03 | 0.03 | 0.02 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AMBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ambac Financial Group, Inc. returns 4.4% to shareholders annually primarily through share buybacks. The earnings yield of 23.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 23.2% | — | 1.1% | 64.9% | — | — | — | 33.3% | — | 7.3% | 76.1% |
| FCF Yield | 0.3% | 0.1% | 26.6% | 8.7% | — | — | — | — | — | 82.0% | 13.5% |
| Buyback Yield | 4.4% | 2.0% | 0.7% | 1.8% | 0.8% | 0.4% | 0.3% | 0.1% | 0.1% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.4% | 2.0% | 0.7% | 1.8% | 0.8% | 0.4% | 0.3% | 0.1% | 0.1% | 0.0% | 0.0% |
| Shares Outstanding | — | $47M | $46M | $46M | $47M | $46M | $46M | $47M | $45M | $46M | $46M |
Peer Comparison
Compare AMBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AMBCYou | $269M | 4.3 | — | 352.5 | 41.8% | -25.4% | -42.4% | -1.5% | — |
 MBI | $306M | -1.7 | 223.9 | 8.0 | 15.0% | -226.3% | — | -12.9% | 209.2 |
 AGO | $3B | 7.5 | 6.3 | 13.1 | 92.9% | 84.0% | 8.9% | 7.0% | 2.3 |
 BAM | $77B | 30.5 | 27.5 | — | 93.2% | 57.6% | 37.3% | 24.3% | 1.3 |
 RDN | $5B | 8.5 | 7.3 | 14.2 | 92.3% | 61.2% | 12.4% | 8.9% | 1.4 |
 ESNT | $5B | 8.5 | 7.0 | 6.4 | 88.2% | 65.2% | 12.1% | 10.2% | 0.6 |
 MTG | $6B | 8.4 | 6.2 | 6.5 | 94.9% | 76.5% | 14.3% | 12.7% | 0.7 |
 NMIH | $3B | 7.7 | 6.3 | 6.9 | 91.8% | 70.8% | 16.2% | 13.5% | 0.8 |
 PFSI | $4B | 8.6 | 17.8 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 MCO | $79B | 32.7 | 21.4 | 30.8 | 68.2% | 44.8% | 62.0% | 22.5% | 1.9 |
 SPGI | $121B | 27.8 | 17.4 | 22.1 | 70.2% | 42.2% | 12.1% | 9.7% | 1.9 |
| Financial Services Median | — | 13.7 | 10.9 | 11.1 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
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AMBC — Frequently Asked Questions
Quick answers to the most common questions about buying AMBC stock.
What is Ambac Financial Group, Inc.'s P/E ratio?
Ambac Financial Group, Inc.'s current P/E ratio is 4.3x. The historical average is 18.9x. This places it at the 67th percentile of its historical range.
What is Ambac Financial Group, Inc.'s ROE?
Ambac Financial Group, Inc.'s return on equity (ROE) is -42.4%. The historical average is 3.8%.
Is AMBC stock overvalued?
Based on historical data, Ambac Financial Group, Inc. is trading at a P/E of 4.3x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Ambac Financial Group, Inc.'s profit margins?
Ambac Financial Group, Inc. has 41.8% gross margin and -25.4% operating margin.