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Ambac Financial Group, Inc.(AMBC)Earnings, Financials & Key Ratios
AMBC•NYSE•Insurance & Managed Care
$6.13
4.3× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustrySpecialty InsuranceSub-IndustryFinancial Guaranty and Credit Enhancement
AboutAmbac Financial Group, Inc., a financial services holding company, provides financial guarantees in the United States, the United Kingdom, Italy, Austria, Australia, France, and Internationally. It offers financial guarantee insurance policies; specialty property & casualty program insurance; credit derivative contracts; and interest rate derivative transactions, as well as managing general agency / underwriting services. The company was incorporated in 1991 and is headquartered in New York, New York.Show more
- Revenue$236M+89.1%
- Combined Ratio125.38%+5.0%
- Net Income-$556M-15420.7%
- Return on Equity-42.36%-16176.1%
- Medical Cost Ratio58.17%-5.5%
- Operating Margin-25.38%-30.7%
- Net Margin-235.97%-8203.5%
- ROA-6.75%-15337.7%
- Equity / Assets14.84%-12.7%
AMBC Price & Volume
Ambac Financial Group, Inc. (AMBC) stock price & volume — 10-year historical chart
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Legacy Liabilities Obscure Ambac's Specialty Insurance Pivot
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Legacy liability runoff volatility
Key Thesis Takeaways
- Ambac is currently navigating a complex structural transition from a legacy financial guarantee firm to a specialty MGA-focused insurance platform, a process currently hampered by significant earnings volatility and capital erosion.
- While the Cirrata MGA platform represents a potential growth engine, the company's financial performance remains tethered to unpredictable legacy claims and litigation costs.
- Investors should monitor whether the core specialty business can achieve scale before the ongoing capital depletion, evidenced by a 43.8% decline in equity over the past year, compromises the firm's long-term solvency.
Verdict Logic
the company's fundamental outlook is challenged by a persistent negative ROE of -9.5% and a lack of clear path to profitability as legacy liabilities continue to dominate the financial profile.
AMBC Growth Metrics
Ambac Financial Group, Inc. (AMBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-5.23%
5 Years-13.82%
3 Years-1.53%
TTM-59.3%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-3126.06%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-3814.85%
Return on Capital
10 Years-0.33%
5 Years-0.94%
3 Years-0.46%
Last Year-0.74%
AMBC Recent Earnings
Ambac Financial Group, Inc. (AMBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (55%)
Q1 2026Latest
Feb 25, 2026Metric
Actual
Est
EPS
$0.63-199.5%
$0.21
Rev
$67M
—
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.21+8.7%
$0.23
Rev
$67M+17.3%
$57M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.22+8.3%
$0.24
Rev
$55M-3.2%
$57M
Q2 2025
May 12, 2025Metric
Actual
Est
EPS
$0.13-85.7%
$0.07
Rev
$63M+90.2%
$33M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $0.63vs $0.21-199.5% | $67M |
| Q4 2025 | Nov 10, 2025 | $0.21vs $0.23+8.7% | $67Mvs $57M+17.3% |
| Q3 2025 | Aug 7, 2025 | $0.22vs $0.24+8.3% | $55Mvs $57M-3.2% |
| Q2 2025 | May 12, 2025 | $0.13vs $0.07-85.7% | $63Mvs $33M+90.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Ambac Financial Group, Inc. (AMBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $6.13 | $268.57M | 4.32 | 89.06% | -235.97% | -42.36% | — | |
| $6.78 | $345.33M | -1.89 | 90.48% | -172.22% | — | — | |
| $83.63 | $3.7B | 8.22 | -3.19% | 43.64% | 7.27% | — | |
| $47.00 | $76.99B | 30.32 | 23.15% | 49.64% | 23.23% | — | |
| $38.19 | $5.2B | 9.22 | -3.36% | 40.28% | 12.01% | — | |
| $64.53 | $5.95B | 9.35 | -0.49% | 53.34% | 12.01% | — |
Compare AMBC vs Peers
Ambac Financial Group, Inc. (AMBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AMBC SEC Filings & Documents
Ambac Financial Group, Inc. (AMBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AMBC Frequently Asked Questions
Ambac Financial Group, Inc. (AMBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Ambac Financial Group, Inc. growing?
Ambac Financial Group, Inc. (AMBC) grew revenue by 89.1% over the past year. This is strong growth.
Is AMBC profitable?
Ambac Financial Group, Inc. (AMBC) reported a net loss of $780.2M for fiscal year 2024.
Dividend & Returns
What is AMBC's return on equity?
Ambac Financial Group, Inc. (AMBC) has a return on equity (ROE) of -42.4%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Ambac Financial Group, Inc.'s combined ratio?
Ambac Financial Group, Inc. (AMBC) has a combined ratio of 125.4%. A ratio above 100% means claims and expenses exceed premiums.