Skyward Specialty Insurance Group, Inc.
SKWDFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframeHeadquartered within the financial services sector, Skyward Specialty Insurance Group, Inc. focuses on Insurance - Property & Casualty services and products. Skyward Specialty Insurance Group, Inc., an insurance holding company, provides commercial property and casualty insurance coverages in the United States. The $1.79B market capitalization puts SKWD squarely in small-cap range for its industry. It offers general liability, excess liability, and professional liability, as well as cyber and media liability insurance; commercial auto, group accident and health, property, agriculture, credit, and surety and workers' compensation; and property, agriculture, and credit specialty reinsurance.
Market Cap
$1.79B
Beta
0.53
P/E (TTM)
10.63
P/E (Fwd)
8.00
EPS (TTM)
$4.15
EPS (Fwd)
$5.51
ROE
17.1%
ROA
3.0%
Cash
$642.4M
Total Debt
$486.0M
Free CF
-$261.8M
52W Change
-30.5%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $642.4M in cash comfortably exceeding the $486.0M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Free cash flow is running at -$261.8M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 17.1% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $636.4M (2022) to $1.42B (2025), reflecting a 123% increase over the period.
The relatively low beta of 0.53 suggests SKWD is a less volatile holding compared to the broader index. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing SKWD.