<p>Skyward Specialty Insurance Group (SKWD) 扩大了其 E&amp;S 财产保险产品，增加了超额保险。这一举措旨在支持技术复杂的非灾难性财产风险的分层方案，并与其 “主导我们的细分市场” 战略相一致。</p>
<p>查看我们对 Skyward Specialty Insurance Group 的最新分析。</p>
<p>最近的举措，如新的超额 E&amp;S 财产保险和支持收购的定期贷款安排，正值 1 个月股价回报下降 9.09% 的时候，尽管 3 年总股东回报 150.84% 显示出强劲的长期收益。</p>
<p>如果这种专业保险故事引起了你的关注，现在可能是扩大你的观察名单，查看高内部持股的快速增长股票的好时机。</p>
<p>尽管 Skyward Specialty 的股价在过去一个月下跌了 9.09%，但 3 年总回报超过 150%，并且交易价格低于平均分析师目标价，这里是否仍然存在买入机会，还是未来的增长已经被定价？</p>
<h2>最受欢迎的叙述：26.8% 被低估</h2>
<p>Skyward Specialty Insurance Group 以 46.48 美元收盘，而叙述的公允价值为 63.50 美元，目前价格远低于该评估，为投资者评估提供了明确的估值差距。</p>
<blockquote>
<p><em>自然灾害频率和严重性持续增加，推动了对技术驱动的专业保险解决方案和自保公司的需求，特别是在汽车和农业等服务不足的行业，这为 Skyward 未来的强劲保费增长和经常性收入提供了支持。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>好奇更高的收入增长假设、略低的利润率和降低的未来市盈率如何仍能支持更高的公允价值？最受关注的叙述详细阐述了一条依赖于更快的保费增长、严格的承保和更丰富的收益特征的路径，所有这些都经过 6.96% 的折现率处理。想看看这些动态如何在完整的估值故事中结合在一起吗？</p>
<p><strong>结果：公允价值为 63.50 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，这取决于执行。在某些财产和意外险领域的价格走软，或在关键的 MGA 和项目经理合作伙伴关系中的任何失误，都可能迅速挑战这一论点。</p>
<p>了解 Skyward Specialty Insurance Group 叙述的关键风险。</p>
<h2>另一种观点：倍数发出不同信号</h2>
<p>我们基于 DCF 的公允价值为 120.93 美元，描绘了一种图景，但当前的市盈率为 14.5 倍则传达了更为谨慎的信息。它高于美国保险行业平均的 12.6 倍，但低于公允比例的 16.5 倍，并远低于 28.5 倍的同行平均。这种组合指向了情绪变化时的上行和定价风险。你现在更信任哪个信号？</p>
<p>查看数字对这个价格的看法——在我们的估值分析中了解更多。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/9ece16a9-528b-4fce-b69a-7fe599477249/chart/pe-multiple-vs-industry?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/9ece16a9-528b-4fce-b69a-7fe599477249/chart/pe-multiple-vs-industry"/></p>
<p>NasdaqGS:SKWD 截至 2026 年 1 月的市盈率</p>
<h2>构建你自己的 Skyward Specialty Insurance Group 叙述</h2>
<p>如果你对这种观点并不完全认同，或者希望根据数字测试自己的假设，你可以快速使用 “按你自己的方式” 构建自定义论点。</p>
<p>一个好的起点是我们的分析，强调投资者对 Skyward Specialty Insurance Group 的 4 个关键回报的乐观预期。</p>
<h2>寻找更多投资想法？</h2>
<p>如果 Skyward Specialty 让你对投资组合有了不同的思考，不要止步于此。使用 Simply Wall Street 筛选器发现各个行业的聚焦机会。</p>
<ul>
<li>通过审查这些 12 只收益率超过 3% 的股息股票，寻找以收入为目标的机会，这些股票可能适合围绕定期现金回报构建的投资组合。</li>
<li>通过扫描这些 3526 只财务状况良好的便士股票，尽早发现潜在的增长故事，这些股票符合你的风险承受能力和时间范围。</li>
<li>通过查看这 110 只结合了技术和医疗保健曝光的医疗保健 AI 股票，为你的投资组合定位长期趋势。</li>
</ul>
<p><em>本文由 Simply Wall St 撰写，性质为一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>

SKWD

<p>Skyward Specialty Insurance Group (SKWD) 扩大了其 E&S 物业产品，新增了超额保险，目标是复杂的非灾难性物业风险。尽管最近股价下降了 9.09%，但该公司在三年内的总回报率达到了 150.84%。分析师认为，当前股价 46.48 美元相较于合理价值 63.50 美元被低估，显示出潜在的买入机会。然而，风险包括物业领域的价格下滑和合作伙伴关系的挑战。基于现金流折现（DCF）法的合理价值显示出更高的估值为 120.93 美元，但当前的市盈率则提示投资者需保持谨慎。鼓励投资者进一步探索机会</p>

<p>Skyward Specialty Insurance Group (SKWD) has expanded its E&amp;S Property offering by adding Excess coverage. This move is aimed at supporting layered programs for technically complex, non catastrophe property risks and aligns with its &#34;Rule Our Niche&#34; focus.</p>
<div class="lb-trans"><p>Skyward Specialty Insurance Group (SKWD) 扩大了其 E&amp;S 财产保险产品，增加了超额保险。这一举措旨在支持技术复杂的非灾难性财产风险的分层方案，并与其 “主导我们的细分市场” 战略相一致。</p>
</div><p>See our latest analysis for Skyward Specialty Insurance Group.</p>
<div class="lb-trans"><p>查看我们对 Skyward Specialty Insurance Group 的最新分析。</p>
</div><p>Recent moves such as the new Excess E&amp;S Property coverage and the term loan facility to support an acquisition come at a time when the 1 month share price return is a 9.09% decline, even as the 3 year total shareholder return of 150.84% points to strong longer term gains.</p>
<div class="lb-trans"><p>最近的举措，如新的超额 E&amp;S 财产保险和支持收购的定期贷款安排，正值 1 个月股价回报下降 9.09% 的时候，尽管 3 年总股东回报 150.84% 显示出强劲的长期收益。</p>
</div><p>If this kind of specialty insurance story has your attention, it could be a good moment to broaden your watchlist and check out fast growing stocks with high insider ownership.</p>
<div class="lb-trans"><p>如果这种专业保险故事引起了你的关注，现在可能是扩大你的观察名单，查看高内部持股的快速增长股票的好时机。</p>
</div><p>With Skyward Specialty’s shares down 9.09% over the past month but showing a 3-year total return above 150%, and trading below the average analyst price target, is there still a buying opportunity here, or is future growth already priced in?</p>
<div class="lb-trans"><p>尽管 Skyward Specialty 的股价在过去一个月下跌了 9.09%，但 3 年总回报超过 150%，并且交易价格低于平均分析师目标价，这里是否仍然存在买入机会，还是未来的增长已经被定价？</p>
</div><h2>Most Popular Narrative: 26.8% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：26.8% 被低估</h2>
</div><p>With Skyward Specialty Insurance Group closing at US$46.48 against a narrative fair value of US$63.50, the current price sits well below that appraisal and frames a clear valuation gap for investors to assess.</p>
<div class="lb-trans"><p>Skyward Specialty Insurance Group 以 46.48 美元收盘，而叙述的公允价值为 63.50 美元，目前价格远低于该评估，为投资者评估提供了明确的估值差距。</p>
</div><blockquote>
<p><em>The continued increase in frequency and severity of natural catastrophes is driving heightened demand for tech-enabled specialty insurance solutions and captives, particularly in underserved sectors like automotive and agriculture, which supports strong top-line premium growth and recurring revenue for Skyward going forward.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>自然灾害频率和严重性持续增加，推动了对技术驱动的专业保险解决方案和自保公司的需求，特别是在汽车和农业等服务不足的行业，这为 Skyward 未来的强劲保费增长和经常性收入提供了支持。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Curious how higher revenue growth assumptions, slightly lower margins and a reduced future P/E multiple can still support a higher fair value? The most followed narrative lays out a detailed path that leans on faster premium growth, disciplined underwriting and a richer earnings profile over time, all run through a 6.96% discount rate. Want to see how those moving parts fit together in the full valuation story?</p>
<div class="lb-trans"><p>好奇更高的收入增长假设、略低的利润率和降低的未来市盈率如何仍能支持更高的公允价值？最受关注的叙述详细阐述了一条依赖于更快的保费增长、严格的承保和更丰富的收益特征的路径，所有这些都经过 6.96% 的折现率处理。想看看这些动态如何在完整的估值故事中结合在一起吗？</p>
</div><p><strong>Result: Fair Value of $63.50 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 63.50 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, this hinges on execution. Softer pricing in some property and casualty lines, or any stumble in key MGA and program manager partnerships, could quickly challenge that thesis.</p>
<div class="lb-trans"><p>然而，这取决于执行。在某些财产和意外险领域的价格走软，或在关键的 MGA 和项目经理合作伙伴关系中的任何失误，都可能迅速挑战这一论点。</p>
</div><p>Find out about the key risks to this Skyward Specialty Insurance Group narrative.</p>
<div class="lb-trans"><p>了解 Skyward Specialty Insurance Group 叙述的关键风险。</p>
</div><h2>Another View: Multiples Send A Different Signal</h2>
<div class="lb-trans"><h2>另一种观点：倍数发出不同信号</h2>
</div><p>Our DCF-based fair value of US$120.93 paints one picture, but the current P/E ratio of 14.5x tells a more cautious one. It sits above the US Insurance industry average of 12.6x, yet below a fair ratio of 16.5x and well under the 28.5x peer average. This combination points to both upside and mispricing risk if sentiment shifts. Which signal do you trust more right now?</p>
<div class="lb-trans"><p>我们基于 DCF 的公允价值为 120.93 美元，描绘了一种图景，但当前的市盈率为 14.5 倍则传达了更为谨慎的信息。它高于美国保险行业平均的 12.6 倍，但低于公允比例的 16.5 倍，并远低于 28.5 倍的同行平均。这种组合指向了情绪变化时的上行和定价风险。你现在更信任哪个信号？</p>
</div><p>See what the numbers say about this price — find out in our valuation breakdown.</p>
<div class="lb-trans"><p>查看数字对这个价格的看法——在我们的估值分析中了解更多。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/9ece16a9-528b-4fce-b69a-7fe599477249/chart/pe-multiple-vs-industry" alt="" original-src="https://images.simplywall.st/company/9ece16a9-528b-4fce-b69a-7fe599477249/chart/pe-multiple-vs-industry"/></p>
<p>NasdaqGS:SKWD P/E Ratio as at Jan 2026</p>
<div class="lb-trans"><p>NasdaqGS:SKWD 截至 2026 年 1 月的市盈率</p>
</div><h2>Build Your Own Skyward Specialty Insurance Group Narrative</h2>
<div class="lb-trans"><h2>构建你自己的 Skyward Specialty Insurance Group 叙述</h2>
</div><p>If you are not fully on board with this view or prefer to test your own assumptions against the numbers, you can quickly build a custom thesis using Do it your way.</p>
<div class="lb-trans"><p>如果你对这种观点并不完全认同，或者希望根据数字测试自己的假设，你可以快速使用 “按你自己的方式” 构建自定义论点。</p>
</div><p>A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Skyward Specialty Insurance Group.</p>
<div class="lb-trans"><p>一个好的起点是我们的分析，强调投资者对 Skyward Specialty Insurance Group 的 4 个关键回报的乐观预期。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>If Skyward Specialty has you thinking differently about your portfolio, do not stop here. Use the Simply Wall Street Screener to uncover focused opportunities across sectors.</p>
<div class="lb-trans"><p>如果 Skyward Specialty 让你对投资组合有了不同的思考，不要止步于此。使用 Simply Wall Street 筛选器发现各个行业的聚焦机会。</p>
</div><ul>
<li>Target income-focused opportunities by reviewing these 12 dividend stocks with yields &gt; 3% that may suit a portfolio built around regular cash returns.</li>
<li>Spot potential growth stories early by scanning these 3526 penny stocks with strong financials that match your risk tolerance and time horizon.</li>
<li>Position your portfolio for long term trends by checking out these 110 healthcare AI stocks that blend technology and healthcare exposure.</li>
</ul>
<div class="lb-trans"><ul>
<li>通过审查这些 12 只收益率超过 3% 的股息股票，寻找以收入为目标的机会，这些股票可能适合围绕定期现金回报构建的投资组合。</li>
<li>通过扫描这些 3526 只财务状况良好的便士股票，尽早发现潜在的增长故事，这些股票符合你的风险承受能力和时间范围。</li>
<li>通过查看这 110 只结合了技术和医疗保健曝光的医疗保健 AI 股票，为你的投资组合定位长期趋势。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>本文由 Simply Wall St 撰写，性质为一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
</div>

分析 Skyward Specialty Insurance Group（SKWD）在扩展 E&S 财产超额保险覆盖范围后的估值