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Company Analysis

Skyward Specialty Insurance Gro SKWD

A comprehensive view of key metrics, scores, and financial health for Skyward Specialty Insurance Gro

Overview of Skyward Specialty Insurance Group, Inc.

SKWD NMS
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Mid Cap
Skyward Specialty Insurance Group, Inc. (SKWD), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $61.13, about 53.0% overvalued vs fair value, +33.9% 1Y return, placing in the top 10% of its sector.
Metrics P/E 12.6× Rev Growth 23.7% ROE 18.9% Gross Margin 43.8%
USD 61.13
3.54%
(Delayed)
• Vol 90d: 33.6%
52-Week Range
Market Cap
$2.71B
Enterprise Value
$2.93B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Oct 31
Top Beats

Quick Facts

Website https://skywardinsurance.com
HQ Houston, TX
Employees 580
Fiscal year Dec 31

Next Events

Earnings Nov 5 Call: Nov 6

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $61.13 -53% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.4B
23.7%%
Claims & Losses
-$795.0M
-3%%
Underwriting Result
-$107.8M
-170.6%%
Net Income
$170.0M
43.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
56.0%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Skyward Specialty Insurance Gro's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.86), demonstrating resilience through insurance market cycles.
  • Consistent Investment Income Investment consistency is high (score 0.82), reflecting a stable portfolio with predictable float income.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.36), indicating significant exposure to loss cycle or catastrophe volatility.
  • High Expense Ratio Vs Peers Expense efficiency is weak (score 0.02), with operating margin at -7.6% — below peers.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing SKWD's balance between Growth (42.9%), Profitability (29.5%), and Safety (27.6%). Growth 43% Safety 28% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

80th percentile vs peers
80
Key Signals
Rev Growth YoY 23.7% 79p Revenue CAGR 3Y 30.6% 85p Equity Growth YoY 27.2% 81p EPS Growth YoY 41.6% 65p Asset Growth YoY 28.5% 95p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Revenue CAGR 3Y in top 20% of peers (30.6%, 85th percentile)
  • Equity Growth YoY in top 20% of peers (27.2%, 81th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Skyward Specialty Insurance Gro.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$28.72
- - -
-53.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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