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Financial statements

ASPEN INSURANCE HOLDINGS LTD financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data ASPEN INSURANCE HOLDINGS LTD files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue2,9392,6532,5322,5932,8302,6292,8902,9663,2603,220
Selling, general and administrative490502492522411418494504533671
General and administrative407411358342308333387355406492
Interest expense29.529.525.920.233.914.343.755.262.131.7
Other non-operating income-9.7-32.7-77.2-126-32.7-20.6-36-35.1-29.9-76.8
Pre-tax income210-282-156-217-3835.1-27403464444
Income tax6.1-15.4-10.222.918.45.3-78.1-132-22104
Net income to minority interests0.11.31-1.200
Net income203-268-147-238-56.429.851.1535486340
EPS, basic1.78-3.47-1.98-0.160.075.344.753.18
EPS, diluted1.74-3.47-1.98-0.160.075.344.753.17
Shares, basic (weighted)90.989.989.790.890.890.890.891.4
Shares, diluted (weighted)9389.989.790.890.890.890.891.5

Balance sheet

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash and equivalents1,0551,0551,0841,0311,7471,3149591,0289141,659
Short-term investments14589.9106
Property, plant and equipment83.875.573.164.877.411581.3
Lease right-of-use assets093.574.183.472.861.653.543.4
Goodwill24.23.93.93.93.93.93.93.92.12.1
Total assets12,09012,90612,53312,58113,09113,84415,15715,22515,74916,310
Short-term debt0300300300297
Long-term debt550550425300300300
Total liabilities8,4429,9789,8939,85510,20311,06912,79912,31612,37712,685
Total debt5495504253003003000300
Paid-in capital1,2609559681,2021,4701,515761761762803
Retained earnings2,3922,0271,7911,5151,3971,3831,3491,7942,0302,320
Other comprehensive income-5.1-55.9-122-76.719.7-123-506-400-390-198
Shareholders' equity2,3582,9093,3723,625
Minority interests1.42.73.700
Total equity3,6482,9132,6402,6282,8872,7752,3582,9093,3723,625
Total liabilities and equity12,09012,90612,53312,58113,09113,84415,15715,22515,74916,310

Cash flow statement

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income203-266-146-240-56.429.851.1535486340
Depreciation and amortization51.562.243.439.845.853.343.311-17.9
Stock-based compensation15.59.810.10061.5
Deferred income tax8.2-32.5-8.524.7-0.9-3.2-105-198-88.622.3
Cash from operations453-112-305-338-673525-55325555439
Acquisitions-59.500
Purchases of investments-59.5-96-16.4-1,651-1,632-2,217-1,614-1,555-2,469-2,604
Sales and maturities of investments5949581,6611,303554548294474850623
Cash from investing-3514196572181,151-950-197-172-353340
Debt issued10500
Debt repaid00-125
Stock issued2.50.52.71.400
Share buybacks-75-300-0.100
Dividends paid-52.7-56.2-42.9000-40-40.3-1950
Cash from financing90-540-30765.22240.5-84.6-90.2-308-48.7
Exchange rate effect-1813.9-16.71.114.8-8.1-18.86.6-8.114.5
Net change in cash174-21928.9-53.2717-433-35568.9-114745
Interest paid292925.319141414.315.620.517.4
Income taxes paid73.4-0.3-4.71515.729.160.96971.8

Key metrics

Worked out from the statements above. Latest values use fiscal 2025. Valuation uses the share price of $17.79 on September 25, 2026.

Profitability

MetricValueHow it is calculated
Pre-tax margin13.8%Pre-tax income / revenue.
Net margin10.6%Net income / revenue.
Operating cash flow margin13.6%Cash from operations / revenue.
Effective tax rate23.4%Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)9.7%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)2.1%Net income / average total assets.
SG&A / revenue20.9%Selling, general and administrative expense / revenue.
Stock-based pay / revenue1.9%Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue0.2%Depreciation and amortization / revenue.

Growth

MetricValueHow it is calculated
Revenue growth, 1y-1.2%Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y3.7%Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y2.6%Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y-30.0%Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y88.1%Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y-33.3%EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y251.2%Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow growth, 1y-20.9%Operating cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y7.5%Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y15.4%Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y3.6%Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y2.5%Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y4.5%Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y0.8%Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y0.3%Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

MetricValueHow it is calculated
Liabilities / assets77.8%Total liabilities / total assets.
Goodwill and intangibles / assets0.0%(Goodwill + intangible assets) / total assets.
Tangible book value$3.62BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
Asset turnover0.20xRevenue / average total assets.

Per share

MetricValueHow it is calculated
EPS, diluted$3.17Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic$3.18Net income per basic share, as reported (split-adjusted).
Revenue per share$35.17Revenue / diluted weighted shares.
Operating cash flow per share$4.80Cash from operations / diluted weighted shares.
Book value per share$39.60Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share$39.58Tangible book value / shares outstanding.
Cash per share$18.12(Cash + short-term investments) / shares outstanding.
Payout ratio0.0%Dividends paid / net income, when net income is positive.

Valuation

MetricValueHow it is calculated
Market cap$1.63BShare price x shares outstanding.
Enterprise value-$24.0MMarket cap + total debt - cash - short-term investments.
P/E4.81xMarket cap / net income. Only when net income is positive.
P/S0.51xMarket cap / revenue.
P/B0.45xMarket cap / shareholders' equity. Only when equity is positive.
Price / tangible book0.45xMarket cap / tangible book value, when positive.
P/OCF3.72xMarket cap / cash from operations, when positive.
Earnings yield20.8%Net income / market cap (the inverse of P/E).
Dividend yield0.0%Dividends paid over the period / market cap.
Shareholder yield0.0%(Dividends paid + share buybacks) / market cap.
PEG0.02xP/E / EPS growth per year over 3 years (in percent). Only when both are positive.
What was ASPEN INSURANCE HOLDINGS LTD's revenue in fiscal 2025?

ASPEN INSURANCE HOLDINGS LTD reported revenue of $3.22B for fiscal 2025, 1.2% lower than the year before.

Was ASPEN INSURANCE HOLDINGS LTD profitable in fiscal 2025?

Yes. Net income was $340.2M, a net margin of 10.6%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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