Last 24 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Skyward Specialty Insurance Group, Inc.'s quarterly P/E stands at 12.4x, down 65.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 63.3% YoY to 9.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.18 | 12.41 | 10.81 | 15.53 | 13.10 | 36.10 | 11.44 | 12.06 | 10.39 | 11.45 | 12.00 | 12.45 | 13.02 |
| — | -65.6% | -5.5% | +28.8% | +26.1% | +215.4% | -4.7% | -3.1% | -20.2% | — | — | — | — | |
| P/S Ratio | 1.43 | 1.39 | 1.30 | 1.89 | 1.66 | 1.73 | 1.40 | 1.34 | 1.46 | 1.35 | 1.10 | 1.14 | 1.04 |
| — | -19.7% | -6.7% | +40.4% | +13.7% | +28.3% | +27.2% | +17.9% | +40.3% | — | — | — | — | |
| P/B Ratio | 1.89 | 2.12 | 2.07 | 2.69 | 2.57 | 2.65 | 2.12 | 2.06 | 2.22 | 2.03 | 1.96 | 1.85 | 1.59 |
| — | -20.0% | -2.1% | +30.6% | +15.9% | +30.6% | +7.8% | +11.0% | +39.3% | — | — | — | — | |
| P/FCF | 5.03 | 10.28 | 2.95 | 7.11 | 5.67 | 25.26 | 2.52 | 20.19 | 4.09 | 2.88 | 2.35 | 380.84 | 1.90 |
| — | -59.3% | +17.1% | -64.8% | +38.7% | +777.5% | +7.2% | -94.7% | +115.7% | — | — | — | — | |
| EV / EBITDA | 9.00 | 9.91 | 8.00 | 11.97 | 10.61 | 27.00 | 9.01 | 9.43 | 8.29 | 8.75 | 9.96 | 10.10 | 11.13 |
| — | -63.3% | -11.2% | +27.0% | +27.9% | +208.6% | -9.6% | -6.6% | -25.5% | — | — | — | — | |
| EV / EBIT | 9.14 | 9.18 | 7.81 | 11.62 | 10.31 | 25.45 | 8.66 | 8.97 | 7.90 | 8.70 | 9.25 | 9.37 | 10.24 |
| — | -63.9% | -9.9% | +29.6% | +30.5% | +192.5% | -6.3% | -4.3% | -22.8% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Skyward Specialty Insurance Group, Inc.'s operating margin was 14.2% in Q4 2025, down 1.7 pp QoQ and up 8.1 pp YoY. The trailing four-quarter average of 15.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 285.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.0% | 80.2% | 31.2% | 29.6% | 29.9% | 20.8% | 31.2% | 29.7% | 33.3% | 32.7% | 27.8% | 30.6% | 30.0% |
| — | +285.0% | +0.0% | -0.3% | -10.4% | -36.3% | +11.9% | -3.0% | +11.0% | +3.4% | +37.4% | +22.4% | +7.6% | |
| Operating Margin | 15.3% | 14.2% | 15.8% | 15.5% | 15.6% | 6.1% | 15.5% | 14.6% | 17.8% | 15.1% | 11.6% | 11.8% | 10.1% |
| — | +132.6% | +2.1% | +6.7% | -12.6% | -59.6% | +33.5% | +23.7% | +75.7% | +9.8% | +703.5% | +162.9% | -29.4% | |
| Net Margin | 12.0% | 11.2% | 12.0% | 12.1% | 12.7% | 4.7% | 12.1% | 11.2% | 13.9% | 11.8% | 9.1% | 9.1% | 8.0% |
| — | +137.0% | -1.1% | +8.4% | -8.7% | -59.7% | +33.8% | +22.1% | +74.4% | +8.8% | +712.7% | +156.6% | -29.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.9% | 4.4% | 4.9% | 4.4% | 5.1% | 1.8% | 4.8% | 4.4% | 5.4% | 4.9% | 4.1% | 3.8% | 3.3% |
| — | +142.3% | +2.3% | +1.4% | -5.9% | -63.0% | +17.5% | +15.8% | +62.3% | -1.6% | +806.8% | +221.5% | -11.5% | |
| ROA | 4.0% | 0.9% | 1.0% | 0.9% | 1.1% | 0.4% | 1.0% | 0.9% | 1.2% | 1.0% | 0.8% | 0.7% | 0.6% |
| — | +134.3% | -1.4% | -0.7% | -9.5% | -61.0% | +35.8% | +30.5% | +92.0% | +15.4% | +716.0% | +113.6% | -31.2% | |
| ROIC | 18.5% | 4.4% | 5.0% | 4.3% | 4.7% | 1.7% | 4.4% | 4.0% | 4.9% | 4.2% | 3.5% | 3.2% | 2.7% |
| — | +150.8% | +13.2% | +6.1% | -3.7% | -58.9% | +27.4% | +27.1% | +80.6% | +8.7% | +862.5% | +254.6% | -8.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Skyward Specialty Insurance Group, Inc.'s Debt/EBITDA ratio is 2.3x, up from 2.0x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 85.2% YoY to 0.95x, tightening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.12 | 0.13 | 0.14 | 0.15 | 0.15 | 0.16 | 0.17 | 0.19 | 0.24 | 0.25 | 0.25 |
| — | -21.1% | -16.6% | -19.2% | -18.2% | -22.7% | -37.9% | -33.2% | -32.3% | -36.2% | -25.3% | -18.3% | -14.1% | |
| Debt / EBITDA | 0.55 | 2.27 | 1.96 | 2.38 | 2.31 | 6.14 | 2.52 | 2.92 | 2.51 | 3.21 | 4.55 | 5.04 | 6.40 |
| — | -63.0% | -22.2% | -18.4% | -8.0% | +91.5% | -44.7% | -42.1% | -60.8% | -34.3% | — | -73.5% | +4.3% | |
| Current Ratio | 0.95 | 0.95 | — | — | — | 6.41 | 0.89 | — | — | — | — | — | — |
| — | -85.2% | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.95 | 0.95 | — | — | — | 6.41 | 0.89 | — | — | — | — | — | — |
| — | -85.2% | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 28.33 | 24.86 | 32.55 | 27.54 | 29.05 | 9.87 | 22.02 | 17.48 | 18.23 | 14.54 | 11.56 | 11.14 | 10.16 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 24 years · Updated daily
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Skyward Specialty Insurance Group, Inc.'s current P/E is 11.2x. The average P/E over the last 4 quarters is 13.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Skyward Specialty Insurance Group, Inc.'s current operating margin is 15.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Skyward Specialty Insurance Group, Inc.'s business trajectory between earnings reports.