Aspen Insurance Holdings Limited Logo

Aspen Insurance Holdings Limited

AHL-PC

(3.0)
Stock Price

26,25 USD

0.59% ROA

10.09% ROE

0x PER

Market Cap.

1.204.904.449,00 USD

11.83% DER

5.29% Yield

17.18% NPM

Aspen Insurance Holdings Limited Stock Analysis

Aspen Insurance Holdings Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Aspen Insurance Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (25%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

The stock's ROE falls within an average range (1.99%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.34%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Aspen Insurance Holdings Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Aspen Insurance Holdings Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Aspen Insurance Holdings Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Aspen Insurance Holdings Limited Revenue
Year Revenue Growth
2002 141.800.000
2003 841.000.000 83.14%
2004 1.297.600.000 35.19%
2005 1.649.100.000 21.31%
2006 1.859.500.000 11.31%
2007 2.008.100.000 7.4%
2008 1.790.900.000 -12.13%
2009 2.074.900.000 13.69%
2010 2.192.600.000 5.37%
2011 2.107.300.000 -4.05%
2012 2.290.200.000 7.99%
2013 2.382.700.000 3.88%
2014 2.611.600.000 8.76%
2015 2.661.100.000 1.86%
2016 2.846.800.000 6.52%
2017 2.619.900.000 -8.66%
2018 2.314.800.000 -13.18%
2019 2.425.700.000 4.57%
2020 2.680.800.000 9.52%
2021 2.585.600.000 -3.68%
2022 2.634.600.000 1.86%
2023 2.938.400.000 10.34%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Aspen Insurance Holdings Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Aspen Insurance Holdings Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 167.900.000 100%
2007 204.800.000 18.02%
2008 208.100.000 1.59%
2009 0 0%
2010 258.600.000 100%
2011 169.100.000 -52.93%
2012 345.100.000 51%
2013 368.100.000 6.25%
2014 417.200.000 11.77%
2015 424.000.000 1.6%
2016 480.400.000 11.74%
2017 469.500.000 -2.32%
2018 414.500.000 -13.27%
2019 521.600.000 20.53%
2020 378.200.000 -37.92%
2021 418.000.000 9.52%
2022 386.500.000 -8.15%
2023 349.200.000 -10.68%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Aspen Insurance Holdings Limited EBITDA
Year EBITDA Growth
2002 35.100.000
2003 212.000.000 83.44%
2004 282.300.000 24.9%
2005 -128.700.000 319.35%
2006 504.400.000 125.52%
2007 607.900.000 17.03%
2008 166.400.000 -265.32%
2009 560.800.000 70.33%
2010 378.200.000 -48.28%
2011 -84.100.000 549.7%
2012 365.300.000 123.02%
2013 417.000.000 12.4%
2014 426.200.000 2.16%
2015 394.700.000 -7.98%
2016 290.400.000 -35.92%
2017 -191.400.000 251.72%
2018 -87.700.000 -118.24%
2019 -169.300.000 48.2%
2020 -23.700.000 -614.35%
2021 85.700.000 127.65%
2022 16.700.000 -413.17%
2023 366.000.000 95.44%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Aspen Insurance Holdings Limited Gross Profit
Year Gross Profit Growth
2002 141.800.000
2003 841.000.000 83.14%
2004 1.297.600.000 35.19%
2005 1.649.100.000 21.31%
2006 1.859.500.000 11.31%
2007 2.008.100.000 7.4%
2008 1.790.900.000 -12.13%
2009 2.074.900.000 13.69%
2010 2.192.600.000 5.37%
2011 2.107.300.000 -4.05%
2012 2.290.200.000 7.99%
2013 2.382.700.000 3.88%
2014 2.611.600.000 8.76%
2015 2.661.100.000 1.86%
2016 2.846.800.000 6.52%
2017 2.619.900.000 -8.66%
2018 2.321.900.000 -12.83%
2019 2.425.700.000 4.28%
2020 2.680.800.000 9.52%
2021 2.585.600.000 -3.68%
2022 2.634.600.000 1.86%
2023 2.938.400.000 10.34%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Aspen Insurance Holdings Limited Net Profit
Year Net Profit Growth
2002 28.600.000
2003 152.100.000 81.2%
2004 195.100.000 22.04%
2005 -160.400.000 221.63%
2006 378.100.000 142.42%
2007 489.000.000 22.68%
2008 25.900.000 -1788.03%
2009 473.900.000 94.53%
2010 312.700.000 -51.55%
2011 85.500.000 -265.73%
2012 280.400.000 69.51%
2013 329.700.000 14.95%
2014 354.900.000 7.1%
2015 322.200.000 -10.15%
2016 203.300.000 -58.48%
2017 -267.700.000 175.94%
2018 -146.800.000 -82.36%
2019 -241.700.000 39.26%
2020 -40.100.000 -502.74%
2021 29.800.000 234.56%
2022 51.100.000 41.68%
2023 345.200.000 85.2%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Aspen Insurance Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 3 100%
2004 3 0%
2005 -2 200%
2006 4 166.67%
2007 5 40%
2008 0 0%
2009 1 100%
2010 4 66.67%
2011 1 -200%
2012 4 66.67%
2013 4 25%
2014 5 0%
2015 5 0%
2016 3 -100%
2017 -5 140%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Aspen Insurance Holdings Limited Free Cashflow
Year Free Cashflow Growth
2002 60.400.000
2003 636.300.000 90.51%
2004 956.700.000 33.49%
2005 769.700.000 -24.3%
2006 713.200.000 -7.92%
2007 762.900.000 6.51%
2008 519.100.000 -46.97%
2009 642.000.000 19.14%
2010 606.700.000 -5.82%
2011 313.600.000 -93.46%
2012 478.900.000 34.52%
2013 548.800.000 12.74%
2014 580.200.000 5.41%
2015 560.300.000 -3.55%
2016 429.500.000 -30.45%
2017 -146.500.000 393.17%
2018 -331.800.000 55.85%
2019 -360.000.000 7.83%
2020 -713.400.000 49.54%
2021 460.200.000 255.02%
2022 752.750.000 38.86%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Aspen Insurance Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
2002 78.100.000
2003 636.600.000 87.73%
2004 961.300.000 33.78%
2005 789.100.000 -21.82%
2006 715.000.000 -10.36%
2007 774.000.000 7.62%
2008 530.500.000 -45.9%
2009 646.600.000 17.96%
2010 624.600.000 -3.52%
2011 343.500.000 -81.83%
2012 502.900.000 31.7%
2013 565.100.000 11.01%
2014 606.300.000 6.8%
2015 574.200.000 -5.59%
2016 453.200.000 -26.7%
2017 -111.500.000 506.46%
2018 -304.500.000 63.38%
2019 -337.800.000 9.86%
2020 -672.700.000 49.78%
2021 524.700.000 228.21%
2022 729.900.000 28.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Aspen Insurance Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
2002 17.700.000
2003 300.000 -5800%
2004 4.600.000 93.48%
2005 19.400.000 76.29%
2006 1.800.000 -977.78%
2007 11.100.000 83.78%
2008 11.400.000 2.63%
2009 4.600.000 -147.83%
2010 17.900.000 74.3%
2011 29.900.000 40.13%
2012 24.000.000 -24.58%
2013 16.300.000 -47.24%
2014 26.100.000 37.55%
2015 13.900.000 -87.77%
2016 23.700.000 41.35%
2017 35.000.000 32.29%
2018 27.300.000 -28.21%
2019 22.200.000 -22.97%
2020 40.700.000 45.45%
2021 64.500.000 36.9%
2022 -22.850.000 382.28%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Aspen Insurance Holdings Limited Equity
Year Equity Growth
2002 878.100.000
2003 1.298.700.000 32.39%
2004 1.481.500.000 12.34%
2005 2.039.800.000 27.37%
2006 2.389.300.000 14.63%
2007 2.817.600.000 15.2%
2008 2.779.100.000 -1.39%
2009 3.305.400.000 15.92%
2010 3.241.900.000 -1.96%
2011 3.171.600.000 -2.22%
2012 3.488.200.000 9.08%
2013 3.299.900.000 -5.71%
2014 3.418.800.000 3.48%
2015 3.418.600.000 -0.01%
2016 3.647.000.000 6.26%
2017 2.925.800.000 -24.65%
2018 2.656.000.000 -10.16%
2019 2.725.500.000 2.55%
2020 2.997.600.000 9.08%
2021 2.774.800.000 -8.03%
2022 2.358.000.000 -17.68%
2023 2.535.100.000 6.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Aspen Insurance Holdings Limited Assets
Year Assets Growth
2002 1.211.800.000
2003 2.578.500.000 53%
2004 3.943.100.000 34.61%
2005 6.537.800.000 39.69%
2006 6.640.100.000 1.54%
2007 7.201.300.000 7.79%
2008 7.288.800.000 1.2%
2009 8.252.200.000 11.67%
2010 8.832.600.000 6.57%
2011 9.484.900.000 6.88%
2012 10.310.600.000 8.01%
2013 10.230.500.000 -0.78%
2014 10.716.300.000 4.53%
2015 11.048.800.000 3.01%
2016 12.004.300.000 7.96%
2017 12.906.400.000 6.99%
2018 12.532.900.000 -2.98%
2019 12.580.500.000 0.38%
2020 13.185.400.000 4.59%
2021 13.844.100.000 4.76%
2022 15.157.300.000 8.66%
2023 15.190.900.000 0.22%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Aspen Insurance Holdings Limited Liabilities
Year Liabilities Growth
2002 333.700.000
2003 1.279.800.000 73.93%
2004 2.461.600.000 48.01%
2005 4.498.000.000 45.27%
2006 4.250.800.000 -5.82%
2007 4.383.700.000 3.03%
2008 4.509.700.000 2.79%
2009 4.946.800.000 8.84%
2010 5.590.200.000 11.51%
2011 6.312.900.000 11.45%
2012 6.822.200.000 7.47%
2013 6.880.900.000 0.85%
2014 7.297.000.000 5.7%
2015 7.628.900.000 4.35%
2016 8.356.000.000 8.7%
2017 9.977.900.000 16.25%
2018 9.876.900.000 -1.02%
2019 9.855.000.000 -0.22%
2020 10.187.800.000 3.27%
2021 11.069.300.000 7.96%
2022 12.799.300.000 13.52%
2023 299.900.000 -4167.86%

Aspen Insurance Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0
Net Income per Share
0
Price to Earning Ratio
0x
Price To Sales Ratio
0.57x
POCF Ratio
0
PFCF Ratio
1.6
Price to Book Ratio
0
EV to Sales
0.25
EV Over EBITDA
5.07
EV to Operating CashFlow
0.71
EV to FreeCashFlow
0.69
Earnings Yield
0
FreeCashFlow Yield
0.62
Market Cap
1,20 Bil.
Enterprise Value
0,52 Bil.
Graham Number
0
Graham NetNet
0

Income Statement Metrics

Net Income per Share
0
Income Quality
4.15
ROE
0.04
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
1.5
EBT Per Ebit
1
Ebit per Revenue
0.11
Effective Tax Rate
-0.5

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
1
Operating Profit Margin
0.11
Pretax Profit Margin
0.11
Net Profit Margin
0.17

Dividends

Dividend Yield
0.05
Dividend Yield %
5.29
Payout Ratio
0.33
Dividend Per Share
1.05

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
0.82
Return on Invested Capital
0.38
Return on Tangible Assets
0.01
Days Sales Outstanding
1251.22
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.29
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
0
Interest Debt per Share
0
Debt to Equity
0.12
Debt to Assets
0.02
Net Debt to EBITDA
-6.77
Current Ratio
27.27
Tangible Asset Value
14,89 Bil.
Net Current Asset Value
7,88 Bil.
Invested Capital
0.12
Working Capital
7,88 Bil.
Intangibles to Total Assets
0
Average Receivables
7,32 Bil.
Average Payables
0,92 Bil.
Average Inventory
0
Debt to Market Cap
0.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Aspen Insurance Holdings Limited Dividends
Year Dividends Growth
2013 1
2014 1 100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Aspen Insurance Holdings Limited Profile

About Aspen Insurance Holdings Limited

Aspen Insurance Holdings Limited, through its subsidiaries, engages in insurance and reinsurance businesses in Australia/Asia, the Caribbean, Canada, the United States, the United Kingdom, Europe, and internationally. Its Aspen Insurance segment offers first party and specialty insurance, including the U.S. and the U.K. commercial property, specie, inland and ocean marine, marine and energy liability, onshore energy physical damage, offshore energy physical damage, credit and political risks, crisis management, accident and health, and surety risks. This segment also provides casualty and liability lines, such as commercial liability, U.S. primary casualty, excess casualty, and environmental and railroad liability; and financial and professional lines comprising financial and corporate risks, professional and management liability, and cyber liability. The company's Aspen Reinsurance segment offers property catastrophe reinsurance products; other property reinsurance products; casualty reinsurance products, including U.S. treaty, international treaty, and casualty facultative reinsurance products; and specialty reinsurance products comprising credit and surety, agriculture, mortgage, marine, aviation, terrorism, engineering, cyber, and other specialty lines. It distributes its products primarily through brokers and reinsurance intermediaries. The company was incorporated in 2002 and is headquartered in Hamilton, Bermuda. Aspen Insurance Holdings Limited is a subsidiary of Highlands Bermuda Holdco, Ltd.

CEO
Mr. Mark Bertrand Cloutier
Employee
946
Address
141 Front Street
Hamilton, HM 19

Aspen Insurance Holdings Limited Executives & BODs

Aspen Insurance Holdings Limited Executives & BODs
# Name Age
1 Mr. Mohinder S. Kang
Group Chief People & Transformation Officer
70
2 Josh Brekenfeld
Director of Corporate Development & Communications
70
3 Mr. Mark Bertrand Cloutier
Executive Chairman & Group Chief Executive Officer
70
4 Mr. Christopher S. Coleman
Group Chief Financial Officer
70
5 Mr. Rob Houghton
Group Chief Operating Officer
70
6 Ms. Aileen Mathieson
Group Chief Investment Officer
70
7 Mr. Grahame Trevethan Dawe
Chief Accounting Officer
70
8 Mr. Hemal Patel
Chief Information Officer
70
9 Cecile Locurto
Vice President of Group Communications
70
10 Ms. Caryn Brough
Group Head of Marketing & Head of U.S. Distribution
70

Aspen Insurance Holdings Limited Competitors