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ASIC Stock Analysis - Ategrity Specialty Insurance Co Holdings AI Rating

ASIC NYSE Fire, Marine & Casualty Insurance DE CIK: 0002040491
Analysis Date: Mar 20, 2026 | Data as of: 2025-12-31
AI Rating
STRONG BUY
82% Confidence

Investment Thesis

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.

ASIC 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

ASIC 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

Key Metrics to Watch

ASIC Financial Metrics

Revenue
$424.3M
Net Income
$74.0M
EPS (Diluted)
$1.58
Free Cash Flow
$140.7M
Total Assets
$1.5B
Cash Position
$29.7M

ASIC Profitability Ratios

Gross Margin N/A
Operating Margin 22.6%
Net Margin 17.4%
ROE 12.0%
ROA 5.0%
FCF Margin 33.2%

ASIC Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
58.3%
Interest Coverage
70.63x
Long-term Debt
N/A

ASIC 5-Year Financial Trend

ASIC 5-year financial data: Year 2025: Revenue $424.3M, Net Income $47.1M, EPS $1.28.
Revenue
Net Income
EPS (right axis)

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 Growth Metrics (YoY)

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
33.2%
Free cash flow / Revenue

ASIC Quarterly Performance

Quarterly financial performance data for Ategrity Specialty Insurance Co Holdings including revenue, net income, and earnings per share.
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.

ASIC Capital Allocation

Operating Cash Flow
$147.2M
Cash generated from operations
Stock Buybacks
$2.7M
Shares repurchased (TTM)
Capital Expenditures
$6.5M
Investment in assets
Dividends
None
No dividend program

ASIC SEC Filings

Access official SEC EDGAR filings for Ategrity Specialty Insurance Co Holdings (CIK: 0002040491)

📄 10-K Annual Reports 📋 10-Q Quarterly Reports 📰 8-K Current Reports 📊 Proxy Statements 🔍 All Filings
Disclaimer: This analysis is generated by Claude AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 20, 2026 | Data as of: 2025-12-31 | Powered by Claude AI