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Skyward Specialty Insurance Group, Inc. (SKWD) Ratios
Skyward Specialty Insurance Group, Inc. Ratios
SKWD's free cash flow for Q2 2026 was $65.01M. For the 2026 fiscal year, SKWD's free cash flow was decreased by $-2.62M and operating cash flow was $67.63M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.95 | 6.41 | 0.00 | 0.00 | 0.00 |
| Quick Ratio | 0.95 | 6.41 | 0.00 | 0.00 | 0.00 |
| Cash Ratio | 0.05 | 0.30 | 0.00 | 0.00 | 0.00 |
| Solvency Ratio | 0.05 | 0.04 | 0.04 | 0.02 | 0.03 |
| Operating Cash Flow Ratio | 0.11 | 0.76 | 0.00 | 0.00 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 7.10 | 6.76 | 94.71 | 73.19 |
| Net Current Asset Value | $ -297.02M | $ -376.85M | $ -2.29B | $ -1.53B | $ -1.69B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.03 | 0.04 | 0.05 | 0.06 |
| Debt-to-Equity Ratio | 0.12 | 0.15 | 0.19 | 0.31 | 0.30 |
| Debt-to-Capital Ratio | 0.11 | 0.13 | 0.16 | 0.23 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.09 | 0.11 | 0.23 | 0.23 |
| Financial Leverage Ratio | 4.75 | 4.70 | 4.47 | 5.61 | 4.97 |
| Debt Service Coverage Ratio | 22.92 | 2.51 | 1.66 | 5.79 | 6.92 |
| Interest Coverage Ratio | 27.33 | 16.08 | 10.98 | 7.77 | 10.45 |
| Debt to Market Cap | 0.06 | 0.06 | 0.11 | 0.18 | 0.21 |
| Interest Debt Per Share | 3.16 | 3.22 | 3.85 | 3.59 | 4.10 |
| Net Debt to EBITDA | -0.21 | -0.01 | 0.51 | 1.38 | 1.48 |
| Profitability Margins | |||||
| Gross Profit Margin | 44.01% | 28.57% | 30.34% | 26.43% | 25.07% |
| EBIT Margin | 15.87% | 14.14% | 13.42% | 8.83% | 9.88% |
| EBITDA Margin | 16.12% | 14.43% | 13.85% | 9.47% | 10.92% |
| Operating Profit Margin | 15.31% | 13.31% | 12.30% | 7.82% | 9.02% |
| Pretax Profit Margin | 15.31% | 13.31% | 12.30% | 7.82% | 9.02% |
| Net Profit Margin | 12.03% | 10.35% | 9.60% | 6.19% | 7.15% |
| Continuous Operations Profit Margin | 12.03% | 10.35% | 9.60% | 6.19% | 7.15% |
| Net Income Per EBT | 78.56% | 77.80% | 78.09% | 79.14% | 79.32% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.55% | 3.19% | 2.91% | 1.67% | 1.81% |
| Return on Equity (ROE) | 16.84% | 14.97% | 13.01% | 9.34% | 8.99% |
| Return on Capital Employed (ROCE) | 19.16% | 4.59% | 3.73% | 2.11% | 2.28% |
| Return on Invested Capital (ROIC) | 15.05% | 3.52% | 2.86% | 1.42% | 1.81% |
| Return on Tangible Assets | 3.72% | 3.26% | 3.00% | 1.73% | 1.89% |
| Earnings Yield | 8.23% | 5.87% | 7.04% | 5.49% | 6.18% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.85 | 0.97 | 1.15 | 0.88 | 0.83 |
| Payables Turnover | 2.01 | 3.24 | 3.10 | 2.89 | 2.50 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 93.37 | 74.94 | 98.72 | 73.37 | 55.66 |
| Asset Turnover | 0.30 | 0.31 | 0.30 | 0.27 | 0.25 |
| Working Capital Turnover Ratio | 1.43 | -42.49 | 4.38 | 3.12 | 5.44 |
| Cash Conversion Cycle | 248.35 | 262.36 | 198.51 | 286.83 | 295.66 |
| Days of Sales Outstanding | 429.66 | 375.13 | 316.15 | 413.27 | 441.74 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 181.31 | 112.77 | 117.64 | 126.44 | 146.08 |
| Operating Cycle | 429.66 | 375.13 | 316.15 | 413.27 | 441.74 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 10.09 | 7.62 | 9.39 | 5.56 | 5.40 |
| Free Cash Flow Per Share | 9.95 | 7.51 | 9.30 | 5.50 | 5.33 |
| Dividend Paid and CapEx Coverage Ratio | 74.82 | 72.23 | 107.09 | 89.87 | 81.38 |
| Capital Expenditure Coverage Ratio | 74.82 | 72.23 | 107.09 | 89.87 | 81.38 |
| Operating Cash Flow Coverage Ratio | 3.40 | 2.55 | 2.63 | 1.62 | 1.36 |
| Operating Cash Flow to Sales Ratio | 0.29 | 0.27 | 0.38 | 0.33 | 0.33 |
| Free Cash Flow Yield | 19.48% | 14.86% | 27.44% | 28.77% | 27.92% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.14 | 17.07 | 14.20 | 18.23 | 16.18 |
| Price-to-Sales (P/S) Ratio | 1.46 | 1.76 | 1.36 | 1.13 | 1.16 |
| Price-to-Book (P/B) Ratio | 2.05 | 2.55 | 1.85 | 1.70 | 1.46 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 5.13 | 6.73 | 3.64 | 3.48 | 3.58 |
| Price-to-Operating Cash Flow Ratio | 5.07 | 6.64 | 3.61 | 3.44 | 3.54 |
| Price-to-Earnings Growth (PEG) Ratio | 0.29 | 0.64 | 0.12 | -1.38 | -0.10 |
| Enterprise Value Multiple | 8.86 | 12.21 | 10.35 | 13.29 | 12.07 |
| Enterprise Value | 2.02B | 2.02B | 1.28B | 801.33M | 706.56M |
| EV to EBITDA | 8.86 | 12.21 | 10.35 | 13.29 | 12.07 |
| EV to Sales | 1.43 | 1.76 | 1.43 | 1.26 | 1.32 |
| EV to Free Cash Flow | 5.01 | 6.72 | 3.83 | 3.88 | 4.08 |
| EV to Operating Cash Flow | 4.95 | 6.63 | 3.80 | 3.84 | 4.03 |
| Tangible Book Value Per Share | 19.42 | 17.64 | 15.89 | 8.82 | 10.31 |
| Shareholders’ Equity Per Share | 24.96 | 19.82 | 18.35 | 11.21 | 13.12 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.22 | 0.22 | 0.21 | 0.21 |
| Revenue Per Share | 34.95 | 28.65 | 24.85 | 16.93 | 16.50 |
| Net Income Per Share | 4.20 | 2.97 | 2.39 | 1.05 | 1.18 |
| Tax Burden | 0.79 | 0.78 | 0.78 | 0.79 | 0.79 |
| Interest Burden | 0.96 | 0.94 | 0.92 | 0.89 | 0.91 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
| Income Quality | 2.40 | 2.57 | 3.93 | 5.30 | 4.57 |
Currency in USD