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Who we are Ategrity Specialty Insurance Company Holdings is a specialty property and casualty insurance holding company dedicated exclusively to the excess and surplus ( E&S ) market for small to medium-sized businesses ( SMBs ) across the United States. Our underwriting operations are conducted through Ategrity Specialty Insurance Company, a Delaware-domiciled E&S insurer ( Ategrity Specialty ).
$23.54
+$0.75 (+3.29%)
Live · 05:19 PM
17.44% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 23.4% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
12.5x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$470M
▲ +23.4% YoY
Net Income (TTM)
$91M
▲ +57.2% YoY
Net Margin
19.36%
P/E
12.5x
Balance Sheet
Total Assets
$1.52B
Equity
$631M
Total Debt
$2M
Cash & Equiv.
$267M
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At a P/E of 12.5 and a price-to-free-cash-flow of 7.0, Ategrity Specialty (ASIC) trades below a two-stage DCF intrinsic value of about $139.04 per share, so at $23.54 the stock looks undervalued (490.7% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Ategrity Specialty scores 86/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $139.04 per share for ASIC, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $104.28. At today's $23.54, that puts the stock about 490.7% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Ategrity Specialty scores 86 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. ASIC currently trades below its estimated intrinsic value and scores 86/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.