Assured Guaranty Ltd (AGO) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Assured Guaranty Ltd $118, price $68.99, upside +71.0%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Assured Guaranty Ltd
AGO · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $41.31 – $93.09 · fair‑value band $108.37 – $158.21 · the $68.99 price screens below the $117.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
Assured Guaranty Ltd., together with its subsidiaries, provides credit protection products to public finance and structured finance markets in the United States and internationally. It operates through Insurance and Asset Management segments.
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Assured Guaranty Ltd., together with its subsidiaries, provides credit protection products to public finance and structured finance markets in the United States and internationally. It operates through Insurance and Asset Management segments. The company offers financial guaranty insurance that protects holders of debt instruments and other monetary obligations from defaults in scheduled payments. It also provides specialty insurance and reinsurance on transactions with risk profiles similar to those of its structured finance exposures written in financial guaranty form, as well as offers credit protection through reinsurance. In addition, the company insures and reinsures various the U.S. public finance obligations, such as general obligation, tax-backed bonds, municipal utility, transportation, healthcare, higher education, infrastructure, housing revenue, investor-owned utility, renewable energy, and other public finance bonds. Further, it involved in insuring and reinsuring of non-U.S. public finance obligations comprising regulated utilities, infrastructure finance, sovereign and sub-sovereign, renewable energy bonds, and pooled infrastructure obligations; and the U.S. and non-U.S. structured finance obligations, including residential mortgage-backed securities, life insurance transactions, pooled corporate obligations, and financial products. Additionally, the company offers specialty business, such as diversified real estate, insurance reserve financing and securitizations, pooled corporate obligations, and aircraft residual value insurance (RVI) transactions; and asset management services comprising investment advisory services. It markets its financial guaranty insurance directly to issuers and underwriters of public finance and structured finance securities, as well as to investors. Assured Guaranty Ltd. was incorporated in 2003 and is headquartered in Hamilton, Bermuda.
Stock analysis
Assured Guaranty Ltd (AGO) currently trades at $68.99, while our model-based Fair Value estimate is $117.95, implying the stock looks roughly 41.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $147.67 per share, and 4 of the 6 models we run sit above the $68.99 price.
Bear case: the Dividend Discount group reads lowest at $19.77, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $108.37 (bear) to $158.21 (bull), the price of $68.99 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 67/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
Assured Guaranty Ltd reported revenue of $788M in FY2025 versus $698M in FY2021, a compound +3.1%/yr. Reported net income was $503M in FY2025, compounding +6.6%/yr from FY2021.
Key figures
Market cap $3.4B · P/E ratio 8.0 · P/S ratio 5.11 · EPS (TTM) $8.62 · Dividend yield 2.0% · Net margin 63.8% · Return on equity 7.9% · Return on assets (EBIT) 3.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).
What moves the price
The share trades about 25% below its 52-week high, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 4% fair-value upside, at 71%, AGO screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 37
Revenue & earnings trend
Growth Forecast
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Recent news
- Are Options Traders Betting on a Big Move in Assured Guaranty Stock?
- Property & Casualty Insurance Stocks Q2 Teardown: Assured Guaranty (NYSE:AGO) Vs The Rest
- AM Best Affirms Credit Ratings of Assured Guaranty Re Overseas Ltd.
- The Numbers Behind Assured Guaranty’s (AGO) Record-Setting Quarter
Compare Assured Guaranty Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Specialty · 30 stocks
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $42.55 | $29.08 | −32% |
| Medibank Private Limited MPL | A$4.56 | A$1.65 | −64% |
| AXIS Capital Holdings AXS | $96.28 | $125.88 | +31% |
| First American Financial Corporation FAF | $69.24 | $52.74 | −24% |
| Enact Holdings ACT | $47.61 | $45.58 | −4% |
| MGIC Investment Corporation MTG | $29.29 | $31.40 | +7% |
| Essent Group ESNT | $65.70 | $68.42 | +4% |
| Radian Group RDN | $34.69 | $39.97 | +15% |
| Protector Forsikring ASA PROT | kr 435.20 | kr 288.36 | −34% |
| NMI Holdings NMIH | $42.42 | $46.94 | +11% |
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Key figures of Assured Guaranty Ltd
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