Ambac Finl Group Inc (AMBC) Financials
Newest figures come from the 10-Q for Q1 FY2026, filed May 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AMBC SEC filings page.
Ambac Finl Group Inc (AMBC) reported $292.6M in revenue over the twelve months to Mar 31, 2026, up 17.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet volatility, not steady operating scale, dominates this finance business as earnings swing and cash conversion weakens.
The loss narrowed in FY2025 to-$259M , but operating cash flow turned negative at-$52.3M ; reported earnings did not translate into cash. Net margin improved from-235.8% in FY2024 to-103.1% in FY2025, yet remained deeply negative, so the apparent recovery is better read as reduced severity than normalized profitability.
Total assets fell from
SG&A climbed from
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Ambac Finl Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Ambac Finl Group Inc scores 27/100 on it among other insurers.
Ambac Finl Group Inc reported revenue of $251.2M in fiscal year 2025, against $235.8M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Ambac Finl Group Inc scores 12/100 among other insurers.
Ambac Finl Group Inc funded 32.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $715.8M of equity against $2.2B of assets. Capital ranks insurers on that cushion, and Ambac Finl Group Inc scores 72/100 among other insurers.
Not available for Ambac Finl Group Inc, and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Ambac Finl Group Inc scores 6/100 on it among other insurers.
Ambac Finl Group Inc reported a net loss of $259.0M in fiscal year 2025, against a loss of $556.0M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Ambac Finl Group Inc scores 5/100 among other insurers.
Ambac Finl Group Inc passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
Ambac Finl Group Inc reported a net loss of $259.0M while operations used $52.3M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Ambac Finl Group Inc generated $104.2M in revenue in Q1 2026. This represents an increase of 66.0% from the same quarter a year earlier. Against the prior quarter it is up 55.7%.
Ambac Finl Group Inc reported -$6.9M in net income in Q1 2026. This represents an increase of 85.2% from the same quarter a year earlier. Against the prior quarter it is up 74.9%.
Ambac Finl Group Inc earned -$0.13 per diluted share (EPS) in Q1 2026. This represents an increase of 89.3% from the same quarter a year earlier.
Not reported for Q1 2026.
Cash & Balance Sheet
Ambac Finl Group Inc held $93.5M in cash against $117.1M in long-term debt as of Q1 2026.
Not reported for Q1 2026.
Not reported for Q1 2026.
Margins & Returns
Ambac Finl Group Inc's net profit margin was -6.6% in Q1 2026, showing the share of revenue converted to profit. This is up 67.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 34.2 percentage points.
Ambac Finl Group Inc's ROE was -1.0% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 4.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.9 percentage points.
Not reported for Q1 2026.
Not reported for Q1 2026.
Capital Allocation
None of these metrics is reported for Q1 2026.
AMBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24 | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $104.2M+66.0% | $66.9M+2.6% | $66.6M-4.9% | $55.0M+7.7% | $62.8M+26.6% | $65.2M | $70.0M-5.4% | $51.0M-17.7% |
| SG&A Expenses | $53.2M+38.0% | $58.8M+45.5% | $53.7M+22.1% | $40.5M+45.5% | $38.5M+119.2% | $40.4M+90.8% | $44.0M+145.6% | $27.9M+62.8% |
| Interest Expense | $2.1M-61.7% | $1.4M+105.4% | $6.2M-69.1% | $5.6M-65.2% | $5.5M | -$26.6M | $20.0M+25.0% | $16.0M0.0% |
| Income Tax | -$481K+22.0% | $9.2M+446.5% | -$1.2M-43.1% | -$2.2M-7140.0% | -$617K-574.6% | $1.7M | -$867K-186.7% | -$30K-101.5% |
| Net Income | -$6.9M+85.2% | -$27.3M+95.0% | -$112.6M-309.5% | -$72.7M-9593.2% | -$46.4M-323.3% | -$548.3M-3394.8% | -$27.5M-141.8% | -$750K+94.3% |
| EPS (Basic) | -$0.13+89.3% | N/A | -$2.35-273.0% | -$1.54-7600.0% | -$1.21-375.0% | -$10.23-4162.5% | -$0.63-143.8% | -$0.02+93.1% |
| EPS (Diluted) | -$0.13+89.3% | N/A | -$2.35-273.0% | -$1.54-7600.0% | -$1.21-375.0% | -$10.23-4162.5% | -$0.63-143.8% | -$0.02+93.1% |
| Diluted Shares (Avg) | 45M-4.2% | N/A | 48M+0.9% | 48M+4.1% | 47M+3.2% | N/A | 48M+1.9% | 46M+1.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
AMBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24 | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.3B-72.5% | $2.2B-72.4% | $2.1B-76.8% | $8.5B+4.1% | $8.3B-2.1% | $8.1B-4.4% | $9.3B+18.0% | $8.2B+0.6% |
| Cash & Equivalents | $93.5M+174.6% | $68.4M+131.2% | $27.5M-32.6% | $22.5M+54.5% | $34.1M+147.7% | $29.6M+303.2% | $40.8M+27.5% | $14.6M-55.8% |
| Goodwill | $533.5M+24.3% | $540.3M+29.2% | $445.4M+2.6% | $451.8M+545.4% | $429.3M+513.3% | $418.2M+500.1% | $434.0M+520.0% | $70.0M+14.8% |
| Total Liabilities | $1.2B-82.4% | $1.1B-83.4% | $1.0B-86.4% | $7.3B+8.2% | $7.0B+0.7% | $6.9B-1.9% | $7.4B+13.5% | $6.7B-0.9% |
| Long-Term Debt | $117.1M | $117.6M | $100.0M-80.7% | N/A | N/A | $0-100.0% | $518.0M+2.6% | $515.0M+2.8% |
| Total Equity | $712.6M-16.4% | $715.8M-10.3% | $843.4M-42.4% | $859.8M-37.1% | $852.2M-37.6% | $798.4M-41.4% | $1.5B+15.8% | $1.4B+9.4% |
| Retained Earnings | $363.8M-46.6% | $370.4M-45.8% | $491.7M-60.2% | $607.5M-52.0% | $681.5M-46.2% | $683.6M-45.1% | $1.2B-1.8% | $1.3B+6.2% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
AMBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24 | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$10.1M+20.1% | -$666K+99.1% | -$41.2M-184.1% | $2.1M-89.5% | -$12.6M-278.4% | -$75.6M-185.9% | $48.9M+344.7% | $20.4M-15.0% |
| Depreciation & Amortization | $12.2M+33.1% | $13.3M+38.2% | $9.7M+37.2% | $9.7M+503.5% | $9.2M+468.5% | $9.6M | $7.1M+558.4% | $1.6M+67.1% |
| Stock-Based Compensation | $4.7M+101.0% | N/A | $2.1M-42.1% | $2.4M+6.8% | $2.3M+607.3% | N/A | $3.7M-7.7% | $2.3M-54.4% |
| Investing Cash Flow | N/A | N/A | $247.3M+209.5% | -$3.3M+83.1% | $21.3M+7945.2% | N/A | -$225.8M-805.8% | -$19.6M-140.7% |
| Financing Cash Flow | N/A | $232.1M+230.2% | -$201.0M-196.4% | -$4.3M-977.8% | -$5.4M-308.1% | -$178.2M-145.5% | $208.6M+525.6% | -$400K+99.4% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
AMBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24 | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -6.6%+67.3pp | -40.8% | -169.1% | -132.3% | -73.9%-115.8pp | -840.6% | -39.3%-128.3pp | -1.5%+19.7pp |
| Return on Equity | -1.0%+4.5pp | -3.8%+64.9pp | -13.4%-11.5pp | -8.5%-8.4pp | -5.4%-7.0pp | -68.7%-67.5pp | -1.9%-7.1pp | -0.1%+1.0pp |
| Return on Assets | -0.3%+0.3pp | -1.2%+5.6pp | -5.2%-4.9pp | -0.9%-0.8pp | -0.6%-0.8pp | -6.8%-6.6pp | -0.3%-1.1pp | 0.0%+0.1pp |
| Debt-to-Equity | 0.16-8.1x | 0.16+0.2x | 0.12-0.2x | 8.49+8.1x | 8.26+7.9x | 0.00-0.4x | 0.350.0x | 0.380.0x |
| Asset Turnover | 0.050.0x | 0.030.0x | 0.030.0x | 0.010.0x | 0.010.0x | 0.01 | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Ambac Finl Group Inc AMBC | FY2025 | $251.2M | -$259.0M | N/A | $419.0M | 20/100 |
| MBIA MBI | FY2025 | $80.0M | -$177.0M | N/A | $233.1M | 2/100 |
| Investors Title Co Nc ITIC | FY2025 | $272.8M | $35.2M | 12.9% | $563.2M | 38/100 |
| Amerisafe AMSF | FY2025 | $317.3M | $47.1M | 14.8% | $459.7M | 53/100 |
| Tiptree Inc TIPT | FY2025 | $488K | $34.9M | N/A | $663.2M | — |
| James River Group Holdings Inc JRVR | FY2025 | $687.6M | $47.4M | 6.9% | $182.6M | 16/100 |
Where Ambac Finl Group Inc Ranks
Frequently Asked Questions
What is Ambac Finl Group Inc's annual revenue?
Ambac Finl Group Inc (AMBC) reported $251.2M in total revenue for fiscal year 2025. This represents a 6.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Ambac Finl Group Inc's revenue growing?
Ambac Finl Group Inc (AMBC) revenue grew by 6.5% year-over-year, from $235.8M to $251.2M in fiscal year 2025.
Is Ambac Finl Group Inc profitable?
No, Ambac Finl Group Inc (AMBC) reported a net income of -$259.0M in fiscal year 2025.
How much debt does Ambac Finl Group Inc have?
As of fiscal year 2025, Ambac Finl Group Inc (AMBC) had $68.4M in cash and equivalents against $117.6M in long-term debt.
What is Ambac Finl Group Inc's return on equity (ROE)?
Ambac Finl Group Inc (AMBC) has a return on equity of -36.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Ambac Finl Group Inc's operating cash flow?
Ambac Finl Group Inc (AMBC) recorded an outflow of $52.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Ambac Finl Group Inc's total assets?
Ambac Finl Group Inc (AMBC) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Ambac Finl Group Inc's debt-to-equity ratio?
Ambac Finl Group Inc (AMBC) had a debt-to-equity ratio of 0.16 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ambac Finl Group Inc's return on assets (ROA)?
Ambac Finl Group Inc (AMBC) had a return on assets of -11.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Ambac Finl Group Inc's Piotroski F-Score?
Ambac Finl Group Inc (AMBC) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Ambac Finl Group Inc's earnings high quality?
Ambac Finl Group Inc (AMBC) reported a net loss of $259.0M while operations used $52.3M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Ambac Finl Group Inc?
Ambac Finl Group Inc (AMBC) scores 20 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.