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The 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. As of today (2026-09-22), Skyward Specialty Insurance Group's 3-Year Sortino Ratio is 1.78.
Skyward Specialty Insurance Group (NAS:SKWD) 3-Year Sortino Ratio Explanation
The 3-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past three year. It is calculated as the annualized result of the average three-year monthly excess returns divided by the standard deviation of negative returns in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.
Skyward Specialty Insurance Group 3-Year Sortino Ratio Related Terms
SKWD vs HCI, STC, HMN: 3-Year Sortino Ratio Comparison
For the Insurance - Property & Casualty subindustry, Skyward Specialty Insurance Group's 3-Year Sortino Ratio, along with its competitors' market caps and 3-Year Sortino Ratio 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.
Skyward Specialty Insurance Group 3-Year Sortino Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Skyward Specialty Insurance Group's 3-Year Sortino Ratio distribution charts can be found below:
* The bar in red indicates where Skyward Specialty Insurance Group's 3-Year Sortino Ratio falls into.
Skyward Specialty Insurance Group 3-Year Sortino Ratio Calculation
The 3-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio in the last three year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 3-Year Sortino Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the downside risks over the past three year.
A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.
Skyward Specialty Insurance Group (SKWD) has a 3-Year Sortino Ratio of 1.78 as of Sep. 22, 2026. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Skyward Specialty Insurance Group and its competitors.
Is Skyward Specialty Insurance Group's 3-Year Sortino Ratio too high?
Skyward Specialty Insurance Group's current 3-Year Sortino Ratio is 1.78. Overall, Skyward Specialty Insurance Group has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Skyward Specialty Insurance Group's 3-Year Sortino Ratio compare to HCI and STC?
Skyward Specialty Insurance Group's 3-Year Sortino Ratio of 1.78 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Sortino Ratio for an Insurance company?
A good 3-Year Sortino Ratio depends on the Insurance industry context. However, 3-Year Sortino Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Sortino Ratio mean?
A high 3-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Skyward Specialty Insurance Group and its competitors. Skyward Specialty Insurance Group's current 3-Year Sortino Ratio is 1.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Skyward Specialty Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Skyward Specialty Insurance Group (SKWD) is currently considered Modestly Undervalued. The stock's GF Value™ is $63.22, compared to a current price of $55.86 — trading 11.6% below its estimated fair value. The current 3-Year Sortino Ratio is 1.78. Skyward Specialty Insurance Group's overall GF Score™ is 84/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Sortino Ratio calculated?
3-Year Sortino Ratio is calculated from a company's financial statements. For Skyward Specialty Insurance Group (SKWD), the current 3-Year Sortino Ratio is 1.78 as of Sep. 22, 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 Skyward Specialty Insurance Group (SKWD) Overvalued in 2026?
Based on GuruFocus' analysis, Skyward Specialty Insurance Group stock appears to be undervalued.
The current stock price of $55.86 is trading 11.6% below its estimated GF Value™ of $63.22.
GuruFocus considers Skyward Specialty Insurance Group to be Modestly Undervalued.
Key valuation signals for SKWD:
3-Year Sortino Ratio: 1.78
GF Value™: $63.22 vs. price of $55.86 (11.6% below fair value)
No single metric tells the full story. See the SKWD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Skyward Specialty Insurance Group Inc. is a specialty property and casualty insurance holding company that provides commercial insurance solutions to businesses and individuals across the United States. It operates through underwriting divisions focused on specialty lines such as general liability, commercial auto, excess and surplus, professional liability, surety, credit, agriculture, and workers' compensation, writing on both admitted and non-admitted bases. The company serves small and mid-sized businesses, larger enterprises, and program partners through a network of independent retail and wholesale insurance brokers and managing general agents. Its revenue model combines premiums earned from its insurance policies, investment income from its investment portfolio, and fee income from program and managing general underwriting arrangements. Skyward Specialty is headquartered in Houston, Texas, and its shares trade on the Nasdaq under the ticker SKWD.
84GF Score
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