Stock fact sheet · data as of
Skyward Specialty Insurance Group, Inc. (SKWD): fair value, margin of safety and Wheel Score
Ticker symbol SKWD · Financial Services · Insurance - Property & Casualty · United States · Growth
Is SKWD undervalued?
At 62.22 (close of 5 Nov 2026), SKWD trades 64% below the GLS average fair value of 171.03. That average comes from 7 models run on the latest filings, and 4 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Skyward Specialty Insurance Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Lynch (48.43) and Payback Time (395.70). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, SKWD is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 61, growth score 83, out of 100).
Nine valuation models for SKWD
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 57.24 | -8% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 133.33 | +114% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 48.43 | -22% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 284.41 | +357% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 226.50 | +264% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 395.70 | +536% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 51.62 | -17% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -6.69 | -111% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 66.33 | +7% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Skyward Specialty Insurance Group, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.3/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are high - ROIC 15.1%, ROE 16.8%, ROA 3.5% - with debt at 0.12 times equity and a free-cash-flow yield of 14.6%.
Skyward Specialty Insurance Group, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 10/10, insider activity 7/10 and Congressional trading 10/10 on the GLS smart-money scales; the last recorded Congressional buy was on 16 Jul 2026.
| Piotroski F-score | 5 / 9 | ROIC | 15.1% |
|---|---|---|---|
| GLS Moat | 4.3 / 10 | ROE | 16.8% |
| Debt / equity | 0.12 | ROA | 3.5% |
| Free-cash-flow yield | 14.6% | Payout ratio | 0% |
| Institutions | 10 / 10 | Insiders · Congress | 7 · 10 / 10 |
Wheel Score 46: Weak
With a Wheel Score of 46 Skyward Specialty Insurance Group, Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (375 open interest, 60 a day); and filter 4, financially healthy - Piotroski 5/9 (under 6); Option trading (weak) is its weakest part.
Implied volatility is 39% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 375 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 273k shares a day on a market cap of $2.8B, with a beta of 0.31 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (375 open interest, 60 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 64% below fair value | |
| Premium | Strong | implied volatility 39% | |
| Moat | Fair | moat 4.3/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Good | Red Flags score 82/100 | |
| Option trading | Weak | 60 contracts a day, 375 open interest | |
| Stability | Fair | beta 0.31, $2.8B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Skyward Specialty Insurance Group, Inc. reports earnings on 5 Nov 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Property & Casualty
The 12 companies below are the closest to Skyward Specialty Insurance Group, Inc. by market cap within the Insurance - Property & Casualty industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| AFSIB AmTrust Financial Services, Inc. | 14.25 | 1,681,551.45 | +100% | 32No options | $2.8B |
| AFSIN AmTrust Financial Services, Inc. | 12.90 | 1,681,550.85 | +100% | 32No options | $2.9B |
| AFSIA AmTrust Financial Services, Inc. | 13.10 | 1,681,551.45 | +100% | 33No options | $2.6B |
| AFSIP AmTrust Financial Services, Inc. | 14.05 | 1,681,551.15 | +100% | 32No options | $3.0B |
| AFSIC AmTrust Financial Services, Inc. | 15.00 | 1,681,551.45 | +100% | 33No options | $3.0B |
| AFFT AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 | 15.30 | 1,681,551.52 | +100% | 26No options | $3.0B |
| AFFS AmTrust Financial Services, Inc. | 15.20 | 1,681,551.45 | +100% | 34No options | $3.0B |
| HCI HCI Group, Inc. | 201.56 | 614.96 | +67% | 83Good | $2.5B |
| AFSIM AmTrust Financial Services, Inc. | 14.70 | 1,681,551.22 | +100% | 33No options | $3.1B |
| PRCH Porch Group, Inc. | 21.56 | 10.05 | -115% | 29Weak | $2.5B |
| SLDE Slide Insurance Holdings, Inc. Common Stock | 27.28 | 96.94 | +72% | 82Good | $3.2B |
| LMND Lemonade, Inc. | 45.90 | 4.31 | -964% | 23Weak | $3.6B |
⚖ Compare SKWD with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SKWD
Is SKWD undervalued right now?
By the GLS models, yes: at 62.22 the stock is 64% below the average fair value of 171.03 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SKWD and what does it mean?
SKWD scores 46 out of 100 (Weak) - it fails Wheel Trade Filters 1, 4. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for SKWD?
171.03 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Skyward Specialty Insurance Group, Inc. report earnings next?
The next earnings report is due on 5 Nov 2026 (after the close), 0 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does SKWD have listed options, and how liquid are they?
Yes. The nightly snapshot found 40 listed contracts with 375 open interest across all expiries and implied volatility of 39% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.