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Assured Guaranty Ltd. (AGO) vs MBIA, Inc. (MBI)

Assured Guaranty Ltd. and MBIA, Inc. are both Insurance Specialty companies. Assured Guaranty Ltd. is the larger, with a market value of $3.2B against $227.5M — 13.9× the size. MBIA, Inc. has negative trailing earnings, so its P/E is not meaningful; Assured Guaranty Ltd. trades at 10.4×. MBIA, Inc. grew revenue faster over the last twelve months: 18.0% against −4.25%. Assured Guaranty Ltd. has the higher net margin (34.2% vs −158.1%) and the higher return on invested capital (3.69% vs 1.71%). Across the 17 metrics below, Assured Guaranty Ltd. leads on 11 and MBIA, Inc. on 6.

Valuation

Metric AGO MBI Insurance Specialty median
P/E 10.40 n/m 9.09
P/S 3.42 2.20 1.66
P/B 0.60 n/m 1.15
Price to free cash flow 8.96 n/m 8.24
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.62% (69.08%) 10.60%
Free cash flow yield 11.16% (53.20%) 11.16%

Profitability

Metric AGO MBI Insurance Specialty median
Gross margin 95.67% 92.38% 62.40%
Operating margin 43.08% 25.71% 18.62%
Net margin 34.21% (158.10%) 13.80%
Free cash flow margin 38.12% (114.29%) 9.96%
Return on equity 5.80% 7.30% 12.04%
Return on assets 2.64% (8.53%) 3.55%
Return on invested capital 3.69% 1.71% 9.88%

Growth

Metric AGO MBI Insurance Specialty median
Revenue growth (TTM) (4.25%) 17.98% 7.68%
EPS growth (last fiscal year) 49.34% 62.04% 8.65%
Revenue growth, 5-year CAGR (0.09%) (22.27%) 2.24%
Net income growth, 5-year CAGR 6.80% 0.00% 0.00%

Health

Metric AGO MBI Insurance Specialty median
Debt to equity 0.31 (1.44) 0.16
Current ratio 0.00 0.51 0.56
Net debt to EBITDA 2.24 213.63 0.28

Dividend

Metric AGO MBI Insurance Specialty median
Dividend yield 2.01% — 2.01%
Payout ratio 0.21 — 0.20

Size

Metric AGO MBI Insurance Specialty median
Market cap 3.16b 227.53m 3.33b

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