Skyward Specialty Insurance Group, Inc.
$42.73
-3.3%Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company offers general liability, excess liability, professional liability, commercial auto, group accident and health, property, surety, and workers' compensation insurance products. Skyward Specialty Insurance Group, Inc. was incorporated in 2006 and is headquartered in Houston, Texas.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 10.2).
Valuation inputs: P/E 10.2, earnings yield +9.9%, momentum -3.3%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +16.8%, ROIC -16.9%).
Profitability stack: net margin +12.0%, ROE +16.8%, ROIC -16.9%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +78.9%, momentum -3.3%, net margin +12.0%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Skyward Specialty Insurance Group, Inc. Market vs Earnings Trajectory
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Skyward Specialty Insurance Group, Inc. Fair Value Envelope
Skyward Specialty Insurance Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.
Skyward Specialty Insurance Group, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Skyward Specialty Insurance Group, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Skyward Specialty Insurance Group, Inc. Street Expectations Map
Wall Street analysts project that SKWD stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 70.60, with estimates ranging from a low of 63.00 to a high of 80.00.
The consensus 1-year price target stands at 70.60, with estimates ranging from a low of 63.00 to a high of 80.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
Skyward Specialty Insurance Group, Inc. Insider Positioning
During the last 12 months, insiders have purchased $821K and sold $6.43M worth of SKWD shares, resulting in $5.61M of net selling activity.
3 Months
1.0K
47.20K
100
4.63K
+43K
+$43K
3-6 Months
16.4K
773.57K
9.2K
443.86K
+330K
+$330K
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
0
0.00
99.4K
5.99M
-6.0M
-$5.99M
Top Buyers
Robinson Andrew S
Director, Officer: Chairman & Ceo, Skyward Group
$529K
Kuczinski Anthony J
Director
$287K
Mcharg Taryn Leonie
Officer, Other: Cfo - Apollo
$5K
Top Sellers
Haushill Mark W
Officer: Evp & Cfo
$3.72M
Robinson Andrew S
Director, Officer: Chairman & Ceo
$2.26M
Kapadia Sandip A
Officer: Head Of Actuarial
$326K
Schmitt Thomas N
Officer: Cpo, Skyward Group
$118K
Ashe Gena L
Director
$5K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $5.61M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider sellers vs. 3 buyers. More insiders selling than buying suggests cautious or negative sentiment.
No Dividend Yield Data
SKWD has not reported any dividend yield values in the available annual periods.
skwd Dividend History
Learning Layer
Related Guides
Build conviction on SKWD by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.