AHL Aspen Insurance Holdings Limite - Fundamental Analysis
BEARISH
Sign in to save
Save this symbol to a watchlist or track a position.
AHL Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Insurance - Property & Casualty
Current Price
Live
$37.26
Analyst Target
$38.25
+2.7%
Upside
52W High
$37.38
52W Low
$27.05
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$3.42B
P/E
5.48
ROE
14.0%
Profit margin
14.2%
Debt/Equity
0.1
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant operational and balance sheet concerns. Despite a low P/E of 5.48 and a Graham Number of $67.98—suggesting substantial undervaluation—the company's deteriorating liquidity (Current Ratio: 0.78, Quick Ratio: 0.35) and poor technical trend (10/100) raise red flags. Earnings growth is volatile, with recent Q/Q EPS contraction of -11.5% despite strong YoY gains, while insider sentiment is tepid at 40/100. The absence of a dividend and lack of Altman Z-Score further undermine confidence in stability.
Key Strengths
Low P/E ratio of 5.48 well below sector average of 22.56, indicating potential undervaluation
High profitability margins: 14.22% net margin and 17.55% operating margin
Strong ROE of 13.97%, outperforming sector average of -15.97%
Very low Debt/Equity ratio of 0.10, signaling conservative capital structure
Recent earnings surprises have been positive, averaging +3.54% over last 3 quarters
Key Risks
Piotroski F-Score of 3/9 indicates weak financial health and high risk of value trap
Critically low liquidity: Current Ratio of 0.78 and Quick Ratio of 0.35 suggest potential solvency concerns
Missing Altman Z-Score prevents distress risk assessment but low liquidity implies possible danger
Negative Q/Q EPS growth of -11.5% shows recent earnings deterioration despite strong YoY numbers
Technical trend score of 10/100 indicates strong bearish momentum near 52-week high
AI Fair Value Estimate
Based on comprehensive analysis
$67.98
+82.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
85
58
45
30
10
AI Verdict
Weak fundamentals offset by valuation appeal; high risk of near-term underperformance
Key drivers: Low Piotroski F-Score, Strong ROE and margins, Poor liquidity ratios, Bearish technical trend, Significant gap between current price and Graham Number
Confidence
70%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price of $37.26 significantly below Graham Number of $67.98
- P/E of 5.48 is deeply discounted vs sector average of 22.56
- Price/Book of 1.23 is reasonable for insurance sector
Watchpoints
- PEG unavailable limits growth-adjusted valuation analysis
- EV-based metrics missing, reducing valuation robustness
Future
58/100
Ref Growth rates
Positives
- YoY earnings growth of 157.20% indicates strong recent profitability expansion
- Q/Q earnings growth of 115.20% shows short-term momentum
Watchpoints
- Most recent Q/Q EPS growth is -11.5%, signaling reversal in trend
- Revenue growth of only 1.60% YoY indicates stagnation
Past
45/100
Ref Historical trends
Positives
- Stock has delivered consistent 1Y, 3Y, and 5Y returns of ~14.7%
- Two out of three recent quarters beat earnings estimates
Watchpoints
- Price near 52-week high ($37.38) with weak technical trend (10/100)
- Historical performance may reflect low base effect rather than sustainable momentum
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity ratio of 0.10 is very low, reducing leverage risk
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Current Ratio of 0.78 and Quick Ratio of 0.35 are below safe thresholds
- Altman Z-Score missing, creating uncertainty about bankruptcy risk
Dividend
10/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Dividend Strength score of 0/100
- No dividend yield or payout history
- Payout ratio is 0.00%, indicating no return to shareholders
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$37.26
Analyst Target
$38.25
Upside/Downside
+2.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AHL and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AHL
Aspen Insurance Holdings Limite
Primary
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
ARX
Accelerant Holdings
Peer
|
-44.0% | -44.0% | -44.0% | -50.1% | -11.9% | -1.3% |
|
BKU
BankUnited, Inc.
Peer
|
+51.1% | +53.0% | +23.4% | +25.7% | +6.1% | +1.2% |
|
BANF
BancFirst Corporation
Peer
|
+88.2% | +37.7% | -9.1% | -13.6% | -0.6% | -3.8% |
|
BHF
Brighthouse Financial, Inc.
Peer
|
+62.1% | +18.8% | +26.1% | +27.7% | -1.0% | +0.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
5.48
Forward P/E
7.58
PEG Ratio
N/A
P/B Ratio
1.23
P/S Ratio
1.07
EV/Revenue
0.62
EV/EBITDA
4.0
Market Cap
$3.42B
Profitability
Profit margins and return metrics
Profit Margin
14.22%
Operating Margin
17.55%
Gross Margin
35.02%
ROE
13.97%
ROA
1.83%
Growth
Revenue and earnings growth rates
Revenue Growth
+1.6%
Earnings Growth
+157.2%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+115.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.1
Low debt
Current Ratio
0.78
Weak
Quick Ratio
0.35
Poor
Cash/Share
$27.34
Quarterly Earnings History
EPS performance vs analyst estimates
2026-03-05
$N/A
2025-11-13
$1.08
+1.8% surprise
2025-08-07
$1.22
+5.3% surprise
Financial Services Sector Comparison
Comparing AHL against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
5.48
This Stock
vs
30.38
Sector Avg
-82.0%
(Discount)
Return on Equity (ROE)
13.97%
This Stock
vs
-7.57%
Sector Avg
-284.5%
(Below Avg)
Profit Margin
14.22%
This Stock
vs
83.86%
Sector Avg
-83.0%
(Weaker)
Debt to Equity
0.1
This Stock
vs
1.51
Sector Avg
-93.1%
(Less Debt)
Revenue Growth
1.6%
This Stock
vs
30.29%
Sector Avg
-94.7%
(Slower)
Current Ratio
0.78
This Stock
vs
3.78
Sector Avg
-79.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | |
|
ARX
Accelerant Holdings
|
BEARISH | $3.29B | - | -280.1% | -182.9% | $14.85 | |
|
BKU
BankUnited, Inc.
|
NEUTRAL | $3.58B | 14.22 | 9.1% | 26.2% | $47.64 | |
|
BANF
BancFirst Corporation
|
NEUTRAL | $3.64B | 16.66 | 14.1% | 35.6% | $108.47 | |
|
BHF
Brighthouse Financial, Inc.
|
BEARISH | $3.67B | 4.52 | 16.2% | 12.3% | $64.11 |
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
6 analysts
Jefferies
2025-08-29
Buy
Hold
Citigroup
2025-08-29
Buy
Neutral
Wells Fargo
2025-08-28
Equal-Weight
Equal-Weight
JMP Securities
2025-08-28
Market Outperform
Market Perform
Past News Coverage
Recent headlines mentioning AHL from our newsroom.
Newest → oldest
No matching news yet.