AHL-PD Financial ServicesBeta data

Aspen Insurance Holdings Limited

$18.04+2.68%

Price as of close on Sep 30, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Insurance - Property & Casualty
Country: Bermuda
Full-time employees: 1,169

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 88% of peers on book value, but only 0% on earnings.
Relative to its book value, Aspen Insurance looks cheaper than 88% of peers; relative to its earnings, cheaper than only 0%. The valuation score blends the two, so look at which measure fits this business best.
Not profitable yet. Reported a loss over the last 12 months.
Aspen Insurance reported a net loss over the last twelve months, so earnings-based measures can't show it as cheap.
Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

—Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

32/100

Weak▼ 1 since Sep 30 close

2/2 inputs reported · High confidence

Since last year: ▼ Weaker

Share count up 52.2% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Sep 30, 2026 close: Score 33 → 32

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield176.5%

Yahoo FinanceReported value40% base weight · Z-score 3.41Sector median: 0.7950 · MAD: 0.2843

Earnings yield-1.3%

Yahoo Finance · trailing 12 monthsNegative (a loss or cash outflow), so it counts as zero whatever the share price60% base weight · Z-score -3.12Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield25.8%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

Insufficient data

Insufficient data: 0 of 1 inputs reported (at least 1 needed). We leave it blank rather than fill the gap with a made-up middle value.

Profitability

Does it earn well?

53/100

Moderate

2/2 inputs reported · High confidence

Since last year: ▼ Weaker

Net margin fell 4.3 points to 10.6%

Why

Mixed versus peers:

▲ ROA
▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets2.1%

SEC filings · 12 months to Dec 2025Reported value50% base weight · Z-score 1.46Sector median: 0.0117 · MAD: 0.0062

Return on equity6.2%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -1.18Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Aspen Insurance

Is Aspen Insurance getting weaker?: Its latest SEC filing (Mar 30, 2026) got weaker in some ways: net margin fell 4.3 points to 10.6%; share count up 52.2%.
How is Aspen Insurance valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 950 banks & insurance peers. Book yield 176.5% vs a peer median of 79.5% (stronger than 88% of peers).Book yield 176.5% vs peers 79.5% (stronger than 88% of peers). Earnings yield -1.3% vs a peer median of 7.9% (weaker than 100% of peers).Earnings yield -1.3% vs peers 7.9% (weaker than 100% of peers).
Is Aspen Insurance growing?: Insufficient data: 0 of 1 inputs reported (at least 1 needed).
How profitable is Aspen Insurance?: About as profitable as its peers. Profitability scores 53/100 against 950 banks & insurance peers. Return on assets 2.1% vs a peer median of 1.2% (stronger than 77% of peers).Return on assets 2.1% vs peers 1.2% (stronger than 77% of peers). Return on equity 6.2% vs a peer median of 10.7% (weaker than 79% of peers).Return on equity 6.2% vs peers 10.7% (weaker than 79% of peers).
How risky is Aspen Insurance?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2025 · filed Mar 30, 2026 · compared with the year ended Dec 31, 2024

Got weaker

Net margin fell 4.3 points to 10.6%
Share count up 52.2% (existing holders diluted)

	Previous year	Latest year	Change
Revenue (12 months)	3.3B USD	3.2B USD	−1.2%
Net income (12 months)	486.1M USD	340.2M USD	−30.0%
Debt	300.0M USD	300.0M USD	0.0%
Cash	914.2M USD	1.7B USD	+81.4%
Shares outstanding	60.4M	91.9M	+52.2%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	2.1%	0.3%	14.8%	15.2%	16.2%	▲ 1.0 pts
Net margin	1.1%	1.8%	18.0%	14.9%	10.6%	▼ 4.3 pts
Return on assets (ROA)	0.2%	0.3%	3.5%	3.1%	2.1%	▼ 1.0 pts
Return on equity (ROE)	1.1%	2.2%	18.4%	14.4%	9.4%	▼ 5.0 pts
Debt to equity	0.11×	0.13×	0.21×	0.09×	0.08×	▼ 7.0%
Interest coverage	3.90×	0.21×	7.93×	7.95×	16.43×	▲ 107%

AHL-PD price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 88% of peers on book value, but only 0% on earnings.

Relative to its book value, Aspen Insurance looks cheaper than 88% of peers; relative to its earnings, cheaper than only 0%. The valuation score blends the two, so look at which measure fits this business best.

Not profitable yet. Reported a loss over the last 12 months.

Aspen Insurance reported a net loss over the last twelve months, so earnings-based measures can't show it as cheap.

Financials may be out of date. Latest financial period ended 10 months ago.

The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

Questions investors ask about Aspen Insurance

Is Aspen Insurance getting weaker?

Its latest SEC filing (Mar 30, 2026) got weaker in some ways: net margin fell 4.3 points to 10.6%; share count up 52.2%.

How is Aspen Insurance valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 950 banks & insurance peers. Book yield 176.5% vs a peer median of 79.5% (stronger than 88% of peers).Book yield 176.5% vs peers 79.5% (stronger than 88% of peers). Earnings yield -1.3% vs a peer median of 7.9% (weaker than 100% of peers).Earnings yield -1.3% vs peers 7.9% (weaker than 100% of peers).

Is Aspen Insurance growing?

Insufficient data: 0 of 1 inputs reported (at least 1 needed).

How profitable is Aspen Insurance?

About as profitable as its peers. Profitability scores 53/100 against 950 banks & insurance peers. Return on assets 2.1% vs a peer median of 1.2% (stronger than 77% of peers).Return on assets 2.1% vs peers 1.2% (stronger than 77% of peers). Return on equity 6.2% vs a peer median of 10.7% (weaker than 79% of peers).Return on equity 6.2% vs peers 10.7% (weaker than 79% of peers).

How risky is Aspen Insurance?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

3.3B USD

3.2B USD

−1.2%

Net income (12 months)

486.1M USD

340.2M USD

−30.0%

Debt

300.0M USD

300.0M USD

0.0%

Cash

914.2M USD

1.7B USD

+81.4%

Shares outstanding

60.4M

91.9M

+52.2%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

2.1%

0.3%

14.8%

15.2%

16.2%

▲ 1.0 pts

Net margin

1.1%

1.8%

18.0%

14.9%

10.6%

▼ 4.3 pts

Return on assets (ROA)

0.2%

0.3%

3.5%

3.1%

2.1%

▼ 1.0 pts

Return on equity (ROE)

1.1%

2.2%

18.4%

14.4%

9.4%

▼ 5.0 pts

Debt to equity

0.11×

0.13×

0.21×

0.09×

0.08×

▼ 7.0%

Interest coverage

3.90×

0.21×

7.93×

7.95×

16.43×

▲ 107%