📊 ASIC Key Takeaways
Is Ategrity Specialty Insurance Co Holdings (ASIC) a Good Investment?
ASIC demonstrates exceptional operational excellence with strong revenue growth of 23.4% YoY coupled with healthy net margin expansion to 17.4%. The company generates substantial free cash flow of $140.7M (33.2% FCF margin) with minimal debt and fortress-like balance sheet liquidity, indicating strong capacity to fund growth and capital returns.
Ategrity shows strong core fundamentals with double-digit revenue growth, solid underwriting-level profitability, and unusually strong free cash flow generation for its size. The balance sheet is conservatively positioned with no meaningful leverage, but the gap between revenue growth and net income growth suggests earnings quality should be monitored for margin pressure or loss-cost normalization.
Why Buy Ategrity Specialty Insurance Co Holdings Stock? ASIC Key Strengths
- Revenue growth of 23.4% YoY significantly outpacing industry average
- Outstanding free cash flow generation at $140.7M with 33.2% FCF margin
- Conservative capital structure with zero long-term debt and 0.00x debt/equity ratio
- Strong interest coverage of 70.6x and robust profitability with 22.6% operating margin
- Solid ROE of 12.0% and ROA of 5.0% demonstrate efficient capital deployment
- Operating cash flow of $147.2M exceeds net income, indicating high-quality earnings
- Revenue grew 23.4% year over year while operating margin remained strong at 22.6%
- Free cash flow of $140.72M and a 33.2% FCF margin indicate high cash conversion
- Balance sheet strength is solid with $614.31M of equity, no meaningful debt, and healthy returns on equity and assets
ASIC Stock Risks: Ategrity Specialty Insurance Co Holdings Investment Risks
- Insurance sector exposure to catastrophic loss events and weather-related volatility
- Relatively modest liquidity visibility with only $29.7M cash on $1.5B asset base
- No insider buying activity in last 90 days suggests potential management confidence gap
- EPS growth of 23.4% driven partially by revenue expansion rather than margin improvement
- Limited historical context provided; cannot assess cyclicality or normalized earnings power
- Net income grew only 1.2% despite much faster revenue growth, which may indicate margin compression or higher claims costs
- Insurance fundamentals can deteriorate quickly if loss ratios, reserve development, or catastrophe exposure worsen
- Cash on hand is modest relative to total assets, increasing reliance on investment portfolio liquidity and underwriting discipline
Key Metrics to Watch
- Loss ratios and combined ratios to track underwriting profitability trends
- Revenue growth sustainability and premium volume trends year-over-year
- Operating cash flow consistency and free cash flow conversion rate
- Catastrophe losses and reserve adequacy relative to exposure
- Combined ratio or loss ratio trends versus premium growth
- Net income and operating margin conversion as revenue continues to scale
Ategrity Specialty Insurance Co Holdings (ASIC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 33.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ASIC Profit Margin, ROE & Profitability Analysis
ASIC vs Finance Sector: How Ategrity Specialty Insurance Co Holdings Compares
How Ategrity Specialty Insurance Co Holdings compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Ategrity Specialty Insurance Co Holdings Stock Overvalued? ASIC Valuation Analysis 2026
Based on fundamental analysis, Ategrity Specialty Insurance Co Holdings has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Ategrity Specialty Insurance Co Holdings Balance Sheet: ASIC Debt, Cash & Liquidity
ASIC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Ategrity Specialty Insurance Co Holdings's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.28 reflects profitable operations.
ASIC Revenue Growth, EPS Growth & YoY Performance
ASIC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $88.7M | $12.9M | $0.36 |
| Q2 2025 | $74.4M | $4.9M | $0.14 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Ategrity Specialty Insurance Co Holdings Dividends, Buybacks & Capital Allocation
ASIC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Ategrity Specialty Insurance Co Holdings (CIK: 0002040491)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ASIC
What is the AI rating for ASIC?
Ategrity Specialty Insurance Co Holdings (ASIC) has a Combined AI Rating of BUY from Claude (STRONG BUY) and ChatGPT (BUY) with 79% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ASIC's key strengths?
Claude: Revenue growth of 23.4% YoY significantly outpacing industry average. Outstanding free cash flow generation at $140.7M with 33.2% FCF margin. ChatGPT: Revenue grew 23.4% year over year while operating margin remained strong at 22.6%. Free cash flow of $140.72M and a 33.2% FCF margin indicate high cash conversion.
What are the risks of investing in ASIC?
Claude: Insurance sector exposure to catastrophic loss events and weather-related volatility. Relatively modest liquidity visibility with only $29.7M cash on $1.5B asset base. ChatGPT: Net income grew only 1.2% despite much faster revenue growth, which may indicate margin compression or higher claims costs. Insurance fundamentals can deteriorate quickly if loss ratios, reserve development, or catastrophe exposure worsen.
What is ASIC's revenue and growth?
Ategrity Specialty Insurance Co Holdings reported revenue of $424.3M.
Does ASIC pay dividends?
Ategrity Specialty Insurance Co Holdings does not currently pay dividends.
Where can I find ASIC SEC filings?
Official SEC filings for Ategrity Specialty Insurance Co Holdings (CIK: 0002040491) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ASIC's EPS?
Ategrity Specialty Insurance Co Holdings has a diluted EPS of $1.58.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ASIC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Ategrity Specialty Insurance Co Holdings has a BUY rating with 79% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ASIC stock overvalued or undervalued?
Valuation metrics for ASIC: ROE of 12.0% (sector avg: 12%), net margin of 17.4% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy ASIC stock in 2026?
Our dual AI analysis gives Ategrity Specialty Insurance Co Holdings a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ASIC's free cash flow?
Ategrity Specialty Insurance Co Holdings's operating cash flow is $147.2M, with capital expenditures of $6.5M. FCF margin is 33.2%.
How does ASIC compare to other Finance stocks?
Vs Finance sector averages: Net margin 17.4% (avg: 25%), ROE 12.0% (avg: 12%), current ratio N/A (avg: 1.2).