Assured GuarantyAGO 69 ROE % is 6.28% as of Mar. 2026, which is 13% below its 10-year median of 7.25. GuruFocus rates AGO with a GF Score™ of 69/100 and a GF Value™ of $94.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, Assured Guaranty ranks worse than 67.73% on this metric.
The historical rank and industry rank for Assured Guaranty's ROE % or its related term are showing as below:
AGO'
s ROE % Range Over the Past 10 Years
Min: 2.18 Med: 7.25 Max: 14.02
Current: 7.39
During the past 13 years, Assured Guaranty's highest ROE % was 14.02%. The lowest was 2.18%. And the median was 7.25%.
AGO's ROE % is ranked worse than 67.73% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs AGO: 7.39
Assured Guaranty (NYSE:AGO) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Assured Guaranty ROE % Related Terms
Assured Guaranty ROE % Historical Data
* Premium members only.
The historical data trend for Assured Guaranty's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, Assured Guaranty's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Assured Guaranty ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Assured Guaranty's ROE % distribution charts can be found below:
* The bar in red indicates where Assured Guaranty's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Assured Guaranty (AGO) has a ROE % of 6.28% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Assured Guaranty and its competitors. This is 13% below median its historical median of 7.25. Over the past decade, Assured Guaranty's ROE % has ranged from 2.18 to 14.02. According to the industry distribution chart, Assured Guaranty ranks #340 out of 502 companies in the Insurance industry, placing it in the top 67.7%.
Is Assured Guaranty's ROE % too high?
Assured Guaranty's current ROE % of 6.28% is 13% below median its 10-year median of 7.25. Over the past 10 years, this metric has ranged from a low of 2.18 to a high of 14.02. The Insurance industry median ROE % is 11.73. Assured Guaranty's value of 6.28% is 46.5% below this industry median. Based on the distribution chart, Assured Guaranty ranks #340 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Assured Guaranty has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Assured Guaranty's ROE % compare to NMIH and RYAN?
According to the Insurance industry distribution chart, Assured Guaranty ranks #340 out of 502 companies for ROE %. This places Assured Guaranty in the lower half of its industry. The industry median ROE % is 11.73. Assured Guaranty's value of 6.28% is 46.5% below this benchmark. Historically, Assured Guaranty's own ROE % has ranged from 2.18 to 14.02 over the past decade. While the company's 10-year median is 7.25 vs. the industry median of 11.73, Assured Guaranty has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Assured Guaranty's current ROE % of 6.28% is 46.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Assured Guaranty and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Assured Guaranty's current ROE % is 6.28%, which is 13% below median its own 10-year median of 7.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Assured Guaranty stock overvalued right now?
Based on GuruFocus' analysis, Assured Guaranty (AGO) is currently considered Modestly Undervalued. The stock's GF Value™ is $94.77, compared to a current price of $77.19 — trading 18.6% below its estimated fair value. The current ROE % is 6.28%, which is 13% below median its 10-year median of 7.25 and 46.5% below the Insurance industry median of 11.73. Assured Guaranty's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Assured Guaranty (AGO), the current ROE % is 6.28% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Assured Guaranty (AGO) Overvalued in 2026?
Based on GuruFocus' analysis, Assured Guaranty stock appears to be undervalued.
The current stock price of $77.19 is trading 18.6% below its estimated GF Value™ of $94.77.
GuruFocus considers Assured Guaranty to be Modestly Undervalued.
Key valuation signals for AGO:
ROE %: 6.28% (13% below median its 10-year median of 7.25)
GF Value™: $94.77 vs. price of $77.19 (18.6% below fair value)
Industry Position: 46.5% below the Insurance median (#340 of 502)
No single metric tells the full story. See the AGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Assured Guaranty Ltd. provides credit protection products to the United States and international public finance and structured finance markets and manages assets across collateralized loan obligations as well as opportunity funds and liquid funds that build on its corporate credit, asset-based finance, municipal, and healthcare experience. The company operates in two segments: the Insurance segment and the Asset Management segment. The majority of the revenue earned by the company is from the Insurance segment.
69GF Score
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