AHL
BEARISH
$37.26
Live
Aspen Insurance Holdings Limite · NYSE
Target $38.25
(+2.7%)
$27.05
52W Range
$37.38
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
AI-powered fundamental assessment
Confidence
68%
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% |
|
PLMR
Palomar Holdings, Inc.
Peer
|
+83.5% | +144.7% | -12.7% | +16.7% | +10.4% | -1.7% |
|
GBDC
Golub Capital BDC, Inc.
Peer
|
+36.8% | +33.6% | -0.4% | -1.4% | +6.1% | -0.9% |
|
MCHB
Mechanics Bancorp
Peer
|
-60.0% | -9.9% | +46.3% | +13.1% | +4.8% | -0.4% |
|
BKU
BankUnited, Inc.
Peer
|
+51.1% | +53.0% | +23.4% | +25.7% | +6.1% | +1.2% |
AHL
Aspen Insurance Holdings Limite
Primary
5Y
+14.7%
3Y
+14.7%
1Y
+14.7%
6M
+16.8%
1M
+0.6%
1W
-0.1%
PLM
Palomar Holdings, Inc.
Peer
5Y
+83.5%
3Y
+144.7%
1Y
-12.7%
6M
+16.7%
1M
+10.4%
1W
-1.7%
GBD
Golub Capital BDC, Inc.
Peer
5Y
+36.8%
3Y
+33.6%
1Y
-0.4%
6M
-1.4%
1M
+6.1%
1W
-0.9%
MCH
Mechanics Bancorp
Peer
5Y
-60.0%
3Y
-9.9%
1Y
+46.3%
6M
+13.1%
1M
+4.8%
1W
-0.4%
BKU
BankUnited, Inc.
Peer
5Y
+51.1%
3Y
+53.0%
1Y
+23.4%
6M
+25.7%
1M
+6.1%
1W
+1.2%
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 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
5.48
This Stock
vs
46.02
Sector Avg
-88.1%
(Discount)
Return on Equity (ROE)
13.97%
This Stock
vs
0.23%
Sector Avg
+6007.9%
(Excellent)
Profit Margin
14.22%
This Stock
vs
50.44%
Sector Avg
-71.8%
(Weaker)
Debt to Equity
0.1
This Stock
vs
1.37
Sector Avg
-92.4%
(Less Debt)
Revenue Growth
1.6%
This Stock
vs
37.35%
Sector Avg
-95.7%
(Slower)
Current Ratio
0.78
This Stock
vs
3.28
Sector Avg
-76.1%
(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 | |
|
PLMR
Palomar Holdings, Inc.
|
BULLISH | $3.51B | 18.33 | 23.6% | 22.5% | $131.41 | Compare |
|
GBDC
Golub Capital BDC, Inc.
|
BEARISH | $3.31B | 10.06 | 8.3% | 38.6% | $12.58 | Compare |
|
MCHB
Mechanics Bancorp
|
NEUTRAL | $3.3B | 12.21 | 10.3% | 41.3% | $14.9 | Compare |
|
BKU
BankUnited, Inc.
|
NEUTRAL | $3.58B | 14.22 | 9.1% | 26.2% | $47.64 | Compare |
AHL
Aspen Insurance...
BEARISH
Mkt Cap
$3.4B
P/E
5.5
ROE
14.0%
Price
$37.26
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.
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