Company Analysis

Assured Guaranty, LTD (AGO)

NYSE: AGO · Surety Insurance · Hamilton Bermuda, BM · filing with the SEC since 2003
Grade6.4
◀ Past 6.8● Present 5.8▶ Future 6.4

The grade of Assured Guaranty, LTD

Nine metrics read from its own filings, by tense
Headline grade
6.4/10
◀ Past6.840% of the headline
● Present5.835% of the headline
▶ Future6.425% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
6.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 63rd percentile among 8 sector filers · read for itself

From the record

Assured Guaranty, LTD's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.8/10

What has it actually done, year after year?

-4.5% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 38th percentile among 8 sector filers · read for its customers

From the record

Assured Guaranty, LTD's 10 filed years say what it did: revenue went from $1.7 billion in fiscal 2016 to $1.1 billion in fiscal 2025, down 4.5% a year; it rose in 4 of 9 years; the deepest fall was 58% from fiscal 2017 to fiscal 2022; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-4.5%bottom 31% of its family
  • the share of years revenue rosebottom 25% of its family
  • the share of filed years with a profittop 37% of its family
  • the deepest fall from a revenue peak58.4%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.7/10

How has it treated the people who own it?

Share count shrank 8.7% a year. 100% of cash flow returned. Insiders: 7 sales, 0 purchases.

weight 45% of this tense · 87th percentile among 7 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Assured Guaranty, LTD's diluted share count shrank about 8.7% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 19% of its family
  • cash returned against operating cash flowtop 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.8/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.9/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 52%: owes 52¢ per asset dollar.

weight 45% of this tense · 49th percentile among 8 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Assured Guaranty, LTD earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 52 cents per dollar of assets, and net share issuance: its share count shrank 10.3% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 44% of its family
  • return on equitybottom 21% of its family
  • the share count against the year beforetop 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.0/10

How strong is its position in its industry?

top 40% of 8 in its family; net margin 48.9%.

weight 33% of this tense · 60th percentile among 8 sector filers · read for its customers

From the record

Assured Guaranty, LTD's standing among 8 graded names in its industry family: revenue of $1.1 billion in fiscal 2025 ranks in the bottom 44% by size; a net margin of 48.9% ranks in the top 44%; revenue growth of 15.4% a year over the last 3 filed years ranks in the top 19% (its annual reports).

What it rests on

  • revenue against the family$1.11Bbottom 44% of its family
  • net margin48.9%top 44% of its family
  • three-year revenue growth15.4%top 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
7.5/10

What are the people in charge doing?

top 25% of 8 in its family for leadership.

weight 22% of this tense · 75th percentile among 8 sector filers · read for its shareholders

From the record

Assured Guaranty, LTD's leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 17 officers and directors filing in the last fifteen months have been on the record a median of 8.7 years (top 31%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge2 in three years among 17 peopletop 19% of its family
  • the median years the people in charge have filed8.7 yearstop 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.4/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
2.5/10

How much room does it have to grow?

bottom 25% of 8 in its family for room to expand.

weight 33% of this tense · 25th percentile among 8 sector filers · read for itself

From the record

Assured Guaranty, LTD's room to grow, from the newest filed statements (fiscal 2025): cash of $419 million against debt of $1.7 billion leaves -10.6% of its assets as net cash, bottom 6% of its family; cash from operations less capital spending is 23.3% of revenue (bottom 44%) (its annual report).

What it rests on

  • cash less debt against assets-10.6%bottom 6% of its family
  • cash from operations less capital spending against revenue23.3%bottom 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.1/10

What could actually drive growth from here?

top 19% of 8 in its family for growth drivers.

weight 33% of this tense · 81st percentile among 8 sector filers · read for its customers

From the record

Assured Guaranty, LTD's growth drivers, from the filed years to fiscal 2025: revenue grew 15.4% a year over the last three filed years against -4.5% over all 10, speeding up (top 19% of its family); the newest year grew 27.3% (top 19%) (its annual reports). Assured Guaranty, LTD reported 2 lines of business in fiscal 2025: Insurance at $870 million, Asset Management at $29 million. 2 of 2 grew in the latest filed year, and the largest line is 97% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+19.8 points a yeartop 19% of its family
  • the newest year's revenue growth27.3%top 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
8.5/10

Did its newest year beat what its own record pointed to?

top 15% of 8 in its family for expectations against reality.

weight 33% of this tense · 85th percentile among 8 sector filers · read for its shareholders

From the record

Assured Guaranty, LTD's newest year against its own record: revenue of $1.1 billion in fiscal 2025 came in 15.9% above the $958 million its prior three years' pace pointed to (top 19% of its family); net income of $543 million against a prior three-year average of $430 million (top 19%); a net margin of 48.9% against 39.8% before (top 6%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace15.9%top 19% of its family
  • net income against the prior three years' average+26%top 19% of its family
  • net margin against its prior average+9.1 pointstop 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AGO · research, not advice