CluenexAssured Guaranty AGO
Assured Guaranty scores weak on business quality (3.9 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Assured Guaranty does
Assured Guaranty insures debt obligations, collecting premiums by protecting bondholders against default. It relies on financial guaranty insurance as its core business model.
- What it does best
Assured Guaranty excels at underwriting financial guarantees backed by its established market presence. Its operating margin hits 42.2%, outperforming peer ACGL's 23.9% and AXS's 20.1% due to disciplined risk selection.
- The main risk
A low ROE of 6.3% leaves little room for underwriting errors or adverse credit events, threatening shareholder returns if municipal or structured finance defaults spike.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin stands at 42.2% with a net margin of 40.7%, indicating strong conversion of revenue into net income despite a sluggish 6.3% ROE.
The company holds a weak structural advantage in financial guaranty, reflected in a low ROE sitting in the bottom quartile at the 9th sector percentile.
Revenue growth reached 23.1%, jumping sharply from prior years and landing in the top decile of its sector at the 88th percentile.
Total debt sits at $1.7B against $388M in cash, yielding an interest coverage ratio of 4.1x: debt costs remain manageable despite the heavy obligations.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on AGO
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Assured Guaranty scores weak on the Cluenex quality check (3.9 of 10), measured against its own industry. Profitability is weak, moat weak, growth fast and financial health weak.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Nov 4, 2026.
See AGO today
- Today's verdict on AGO, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Assured Guaranty (AGO)”, https://cluenex.com/stocks/ago/, data as of Oct 10, 2026.