Ategrity Specialty Insurance Company Holdings (ASIC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Ategrity Specialty Insurance Company Holdings $12.39, price $26.52, upside -53.3%, quality 81 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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
15‑month range $16.38 – $28.66 · fair‑value band $11.02 – $20.88 · the $26.52 price screens above the $12.39 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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Ategrity Specialty Insurance Company Holdings, through its subsidiaries, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States.
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Ategrity Specialty Insurance Company Holdings, through its subsidiaries, provides excess and surplus lines insurance and reinsurance products to small and medium-sized businesses in the United States. The company offers property and casualty insurance solutions, including general liability, commercial property, management liability, miscellaneous PL, allied healthcare, and architects and engineers insurance products to the retail, real estate, hospitality, and construction sectors. It markets and distributes its products through brokerage and small business channels. The company was formerly known as Ategrity Specialty Holdings LLC and changed its name to Ategrity Specialty Insurance Company Holdings in June 2025. Ategrity Specialty Insurance Company Holdings was incorporated in 2017 and is based in New York, New York. Ategrity Specialty Insurance Company Holdings operates as a subsidiary of Zimmer Financial Services Group LLC.
Stock analysis
Ategrity Specialty Insurance Company Holdings (ASIC) currently trades at $26.52, while our model-based Fair Value estimate is $12.39, implying the stock looks roughly 114.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $17.91 per share, and 0 of the 6 models we run sit above the $26.52 price.
Bear case: the Dividend Discount group reads lowest at $1.83, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.02 (bear) to $20.88 (bull), the price of $26.52 sits above 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 81/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Ategrity Specialty Insurance Company Holdings reported revenue of $424M in FY2025 versus $241M in FY2023, a compound +32.6%/yr. Reported net income was $74.0M in FY2025, compounding +171.4%/yr from FY2023.
Key figures
Market cap $1.2B · P/E ratio 14.2 · P/S ratio 2.47 · EPS (TTM) $1.87 · Dividend yield 0.6% · Net margin 17.4% · Return on equity 17.9% · Return on assets (EBIT) 4.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 62% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at −53%, ASIC screens richer than that median.
Fair Value models
Bear $11.02Fair Value $12.39Bull $20.88
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.37 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −9.4% a year for the price.
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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 - Property & Casualty · 119 stocks
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Cite: Fair Value Calculator (2026). "Ategrity Specialty Insurance Company Holdings Fair Value". https://www.fairvalue-calculator.com/stock/ASIC
Frequently asked questions
Is Ategrity Specialty Insurance Company Holdings (ASIC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $12.39 versus a price of $26.52, about −53% upside (overvalued).
What is the fair value of ASIC?
Our model-based fair value for Ategrity Specialty Insurance Company Holdings is $12.39 (as of Sep 23, 2026), built from audited fundamentals. The current price: $26.52.
What is the quality score of ASIC?
Ategrity Specialty Insurance Company Holdings has a Quality Score of 81/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ategrity Specialty Insurance Company Holdings (ASIC)?
Our model-based price target is the fair value of $12.39 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $11.02, optimistic scenario $20.88. It is a calculation from audited fundamentals, not an analyst target.
What is the Ategrity Specialty Insurance Company Holdings stock forecast for 2026?
Our models put fair value at $12.39, about −53% upside versus a price of $26.52 (overvalued). Cautious scenario $11.02, optimistic scenario $20.88. The calculation is refreshed regularly with new filings.
What is the revenue of Ategrity Specialty Insurance Company Holdings (ASIC)?
Ategrity Specialty Insurance Company Holdings reported trailing-twelve-month revenue of about $470M (latest available figure, as of Sep 23, 2026).
Does Ategrity Specialty Insurance Company Holdings pay a dividend?
Ategrity Specialty Insurance Company Holdings currently shows a dividend yield of about 0.58% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Ategrity Specialty Insurance Company Holdings (ASIC)?
For today's price to be fair in a discounted-cash-flow model, Ategrity Specialty Insurance Company Holdings would have to grow free cash flow by -7.2 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +32.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of ASIC use?
Our models discount Ategrity Specialty Insurance Company Holdings at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ategrity Specialty Insurance Company Holdings that is -7.2 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Ategrity Specialty Insurance Company Holdings (ASIC) delivered so far?
Over the past 2 years revenue at Ategrity Specialty Insurance Company Holdings grew +32.6 % a year. The price currently implies -7.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ategrity Specialty Insurance Company Holdings (ASIC) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Ategrity Specialty Insurance Company Holdings (-7.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ategrity Specialty Insurance Company Holdings (ASIC)?
The free-cash-flow yield on the price is 11.48 %: that much free cash flow Ategrity Specialty Insurance Company Holdings produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ategrity Specialty Insurance Company Holdings (ASIC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ategrity Specialty Insurance Company Holdings it is $12.39 per share (as of Sep 23, 2026), against a price of $26.52. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Ategrity Specialty Insurance Company Holdings stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ASIC trades above its calculated fair value: price $26.52, fair value $12.39, a gap of about −53% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ASIC?
No. The price is what the market pays today ($26.52); the fair value is what the company's own numbers justify ($12.39). For Ategrity Specialty Insurance Company Holdings the two are $14.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ategrity Specialty Insurance Company Holdings worth?
The market values Ategrity Specialty Insurance Company Holdings at about $1.2B (market capitalisation, as of Sep 23, 2026). Per share that is $26.52; our models calculate a fair value of $12.39 per share.
What do the bullish and bearish scenarios say about ASIC?
Our models span a range for Ategrity Specialty Insurance Company Holdings: cautious scenario $11.02, base $12.39, optimistic $20.88 per share (as of Sep 23, 2026, price $26.52). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ASIC?
Ategrity Specialty Insurance Company Holdings trades at a price-to-earnings ratio of 14.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.39 is built from several models across several years. Other multiples: P/B 2.0, P/S 2.6, EV/EBITDA 9.9.
How solid is the balance sheet of Ategrity Specialty Insurance Company Holdings (ASIC)?
Balance-sheet figures for Ategrity Specialty Insurance Company Holdings (as of Sep 23, 2026): return on equity 17.9%. They feed the Quality Score of 81/100, which measures business quality independently of the share price.
How far is ASIC from its 52-week high?
Ategrity Specialty Insurance Company Holdings trades at $26.52, about 7% below its 52-week high of $28.66 and 62% above the low of $16.38 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $12.39 is for.
Which stocks are comparable to Ategrity Specialty Insurance Company Holdings?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ategrity Specialty Insurance Company Holdings stock attractive at the current price?
The data as of Sep 23, 2026: price $26.52, calculated fair value $12.39 (−53%), Quality Score 81/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ASIC calculated?
We run Ategrity Specialty Insurance Company Holdings through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.39, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Ategrity Specialty Insurance Company Holdings itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ategrity Specialty Insurance Company Holdings (ASIC)?
The closing price on Sep 23, 2026 was $26.52. Our model-based fair value is $12.39, about −53% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ategrity Specialty Insurance Company Holdings right now?
A high-quality business (quality 81/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case ($20.88). The favourable scenario is already priced in. A fairly wide model range ($11.02 to $20.88) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Ategrity Specialty Insurance Company Holdings
How large is the market capitalisation of Ategrity Specialty Insurance Company Holdings (ASIC)?
The market capitalisation of Ategrity Specialty Insurance Company Holdings is $1.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ategrity Specialty Insurance Company Holdings (ASIC)?
The price-to-sales ratio of Ategrity Specialty Insurance Company Holdings is 2.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ategrity Specialty Insurance Company Holdings (ASIC)?
Earnings per share at Ategrity Specialty Insurance Company Holdings are $1.87 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ategrity Specialty Insurance Company Holdings (ASIC)?
The dividend yield of Ategrity Specialty Insurance Company Holdings is 0.6% (payout 8.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ategrity Specialty Insurance Company Holdings (ASIC)?
The net margin of Ategrity Specialty Insurance Company Holdings is 17.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ategrity Specialty Insurance Company Holdings (ASIC)?
The return on equity (ROE) of Ategrity Specialty Insurance Company Holdings is 17.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ategrity Specialty Insurance Company Holdings (ASIC)?
On an EBIT basis the return on assets of Ategrity Specialty Insurance Company Holdings is 4.6% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ategrity Specialty Insurance Company Holdings (ASIC)?
The operating margin of Ategrity Specialty Insurance Company Holdings is 26.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ategrity Specialty Insurance Company Holdings (ASIC)?
Revenue at Ategrity Specialty Insurance Company Holdings is growing +55.2% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ategrity Specialty Insurance Company Holdings (ASIC)?
Earnings per share at Ategrity Specialty Insurance Company Holdings are growing +155% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Ategrity Specialty Insurance Company Holdings (ASIC) hold?
Ategrity Specialty Insurance Company Holdings holds more cash than debt, $29.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 23, 2026