STOCK TITAN

Argo Group Intl (ARGD) Financials

ARGD
FY2024 annual
Revenue $378.7M YoY not available
Net Income -$148.1M YoY not available
EPS (Diluted) Not reported for FY2024
Operating Cash Flow -$144.7M YoY not available
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2025, ended Jun 30, 2025 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2025, filed Aug 7, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ARGD SEC filings page.

Argo Group Intl (ARGD) reported $378.7M in revenue for fiscal year 2024. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI ARGD FY2024

Asset intensity and external financing dominate ARGD's profile as FY2024 operations absorbed cash despite lower reported leverage.

At FY2024, assets of $8.9B dwarfed reported revenue of $378.7M, making balance-sheet utilization and funding more revealing than margin analysis. Liabilities were $7.3B, or 81.9% of assets, so the business carries a substantial financing claim against an asset base that did not translate into operating cash.

Reported debt-to-equity declined from 7.1x in FY2022 to 4.5x in FY2024, indicating lower leverage on that measure. Yet liabilities still equaled 81.9% of assets, so the balance sheet remains heavily financed relative to its asset base.

In FY2024, net loss of -$148.1M and operating cash flow of -$144.7M moved together, showing weak cash conversion rather than a profit-only accounting effect. By contrast, FY2020 paired net loss of -$54.1M with operating cash flow of $71.9M, demonstrating that earnings and cash generation have diverged sharply across periods.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

Argo Group Intl does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Earnings Quality No Cash Backing
N/A

Argo Group Intl reported a net loss of $148.1M while operations used $144.7M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue
$336.5M
YoY-11.6%
QoQ+20.7%

Argo Group Intl generated $336.5M in revenue in Q2 2025. This represents a decrease of 11.6% from the same quarter a year earlier. Against the prior quarter it is up 20.7%.

Net Income
$58.8M
YoY+363.0%
QoQ+94.7%

Argo Group Intl reported $58.8M in net income in Q2 2025. This represents an increase of 363.0% from the same quarter a year earlier. Against the prior quarter it is up 94.7%.

EBITDA

Not reported for Q2 2025.

EPS (Diluted)

Not reported for Q2 2025.

Cash & Balance Sheet

Cash & Debt
$937.7M
YoY+97.2%
QoQ+51.8%
5Y CAGR+37.9%
10Y CAGR+24.3%

Argo Group Intl held $937.7M in cash as of Q2 2025; long-term debt is not reported for that period.

Shares Outstanding
13
QoQ0.0%
5Y CAGR-94.8%
10Y CAGR-76.7%

Argo Group Intl had 13 shares outstanding in Q2 2025. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2025.

Dividends Per Share

Not reported for Q2 2025.

Margins & Returns

Net Margin
17.5%
YoY+14.1pp
QoQ+6.6pp

Argo Group Intl's net profit margin was 17.5% in Q2 2025, showing the share of revenue converted to profit. This is up 14.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.6 percentage points.

Return on Equity
3.5%
YoY+2.6pp
QoQ+1.6pp

Argo Group Intl's ROE was 3.5% in Q2 2025, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Gross Margin

Not reported for Q2 2025.

Operating Margin

Not reported for Q2 2025.

Capital Allocation

None of these metrics is reported for Q2 2025.

ARGD 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.

ARGD quarterly income statement
MetricQ2'2510-QQ1'2510-KQ4'2410-QQ3'2410-QQ2'2410-QQ1'2410-KQ4'2310-KQ3'2310-Q
Revenue$336.5M-11.6%$278.8M-26.4%N/A$296.4M-21.7%$380.7M+4.5%$378.7M-5.7%N/A$378.4M-14.8%
Interest Expense$8.4M-24.3%$8.6M-1.1%N/A$9.4M+8.0%$11.1M+35.4%$8.7M+2.4%N/A$8.7M+27.9%
Income Tax$16.0M+185.7%$8.3M+418.8%N/A-$34.4M-295.5%$5.6M+196.6%$1.6M+118.8%N/A$17.6M+540.0%
Net Income$58.8M+363.0%$30.2M+18.0%N/A-$132.3M-182.1%$12.7M+477.3%$25.6M+175.7%N/A-$46.9M+3.9%
EPS (Basic)N/AN/AN/AN/AN/AN/AN/A-$1.41+4.1%
EPS (Diluted)N/AN/AN/AN/AN/AN/AN/A-$1.41+4.1%
Diluted Shares (Avg)N/AN/AN/AN/AN/AN/AN/A35M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

ARGD 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.

ARGD quarterly balance sheet
MetricQ2'2510-QQ1'2510-KQ4'2410-QQ3'2410-QQ2'2410-QQ1'2410-KQ4'2310-KQ3'2310-Q
Total Assets$8.7B+0.2%$8.7B+1.0%$8.9B+4.4%$8.8B+4.5%$8.7B+6.5%$8.6B+5.4%$8.5B-15.3%$8.4B-14.4%
Cash & Equivalents$937.7M+97.2%$617.6M+33.6%$644.4M-18.6%$558.0M+769.2%$475.5M+1522.9%$462.4M+1170.3%$791.6M+1476.9%$64.2M-35.4%
Short-Term Investments$203.7M-74.2%$360.6M-66.4%$254.4M-40.8%$657.1M-46.3%$790.1M-6.1%$1.1B+54.6%$429.5M-4.5%$1.2B+114.2%
Long-Term Investments$0$0$0$0$0$0$0$0
GoodwillN/AN/AN/AN/AN/AN/A$0-100.0%$118.6M-12.9%
Total Liabilities$7.0B-2.4%$7.1B-2.0%$7.3B+1.0%$7.4B+2.1%$7.2B+3.8%$7.2B+4.1%$7.2B-18.1%$7.3B-14.8%
Total Equity$1.7B+12.6%$1.6B+16.7%$1.6B+23.6%$1.4B+19.3%$1.5B+21.9%$1.4B+12.9%$1.3B+5.2%$1.2B-11.6%
Retained Earnings-$74.0M-318.3%-$130.1M-644.4%-$157.7M-17622.2%-$101.0M-131.5%$33.9M-90.9%$23.9M-93.6%$900K-99.8%$321.1M-39.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

ARGD 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.

ARGD quarterly cash flow statement
MetricQ2'2510-QQ1'2510-KQ4'2410-QQ3'2410-QQ2'2410-QQ1'2410-KQ4'2310-KQ3'2310-Q
Operating Cash Flow$45.0M+167.7%-$50.6M-269.3%-$61.1M-$3.4M-102.0%-$66.5M-182.6%-$13.7M-135.0%N/A$174.1M+157.5%
Depreciation & Amortization$12.0M-74.4%$11.4M-75.3%$45.1M$45.4M+1007.3%$46.8M+1131.6%$46.1M+972.1%N/A$4.1M+2.5%
Stock-Based CompensationN/AN/AN/AN/AN/A$0-100.0%N/AN/A
Investing Cash Flow$277.8M+237.5%$26.4M+105.1%$150.1M$88.5M+158.0%$82.3M+196.4%-$512.9M-321.8%N/A-$152.7M-26.7%
Financing Cash Flow-$2.7M0.0%-$2.6M-101.3%-$2.6M-$2.6M+50.0%-$2.7M-22.7%$197.4M+9500.0%N/A-$5.2M+60.0%
Dividends PaidN/AN/AN/AN/AN/AN/AN/A-$100K-100.9%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

ARGD 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.

ARGD quarterly financial ratios
MetricQ2'2510-QQ1'2510-KQ4'2410-QQ3'2410-QQ2'2410-QQ1'2410-KQ4'2310-KQ3'2310-Q
Net Margin17.5%+14.1pp10.8%+4.1ppN/A-44.6%-32.3pp3.3%+2.7pp6.8%+15.2ppN/A-12.4%-1.4pp
Return on Equity3.5%+2.6pp1.8%0.0ppN/A-9.5%-5.5pp0.8%+0.7pp1.8%+4.5ppN/A-4.0%-0.3pp
Return on Assets0.7%+0.5pp0.4%+0.1ppN/A-1.5%-0.9pp0.1%+0.1pp0.3%+0.7ppN/A-0.6%-0.1pp
Debt-to-Equity4.15-0.6x4.33-0.8x4.54-1.0x5.31-0.9x4.79-0.8x5.16-0.4x5.55-1.6x6.21-0.2x
Asset Turnover0.040.0x0.030.0xN/A0.030.0x0.040.0x0.040.0xN/A0.040.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Frequently Asked Questions

What is Argo Group Intl's annual revenue?

Argo Group Intl (ARGD) reported $378.7M in total revenue for fiscal year 2024. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Is Argo Group Intl profitable?

No, Argo Group Intl (ARGD) reported a net income of -$148.1M in fiscal year 2024, with a net profit margin of -39.1%.

What is Argo Group Intl's net profit margin?

Argo Group Intl (ARGD) had a net profit margin of -39.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Argo Group Intl (ARGD) has a return on equity of -9.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

Argo Group Intl (ARGD) recorded an outflow of $144.7M in operating cash flow during fiscal year 2024, representing cash used by core business activities.

Argo Group Intl (ARGD) had $8.9B in total assets as of fiscal year 2024, including both current and long-term assets.

Argo Group Intl (ARGD) had 13 shares outstanding as of fiscal year 2024.

Argo Group Intl (ARGD) had a debt-to-equity ratio of 4.54 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

Argo Group Intl (ARGD) had a return on assets of -1.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

Argo Group Intl (ARGD) reported a net loss of $148.1M while operations used $144.7M 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.

Back to top