This page shows Aspen Insur Hldg (AHL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).
Financial Health Signals
Aspen Insur Hldg passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Aspen Insur Hldg generates $1.29 in operating cash flow ($439.0M OCF vs $340.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Aspen Insur Hldg generated $3.2B in revenue in fiscal year 2025. This represents a decrease of 1.2% from the prior year.
Aspen Insur Hldg reported $340.2M in net income in fiscal year 2025. This represents a decrease of 30.0% from the prior year.
Aspen Insur Hldg earned $3.17 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 33.3% from the prior year.
Cash & Balance Sheet
Aspen Insur Hldg held $1.7B in cash against $296.8M in long-term debt as of fiscal year 2025.
Aspen Insur Hldg had 92M shares outstanding in fiscal year 2025. This represents an increase of 52.2% from the prior year.
Margins & Returns
Aspen Insur Hldg's net profit margin was 10.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.3 percentage points from the prior year.
Aspen Insur Hldg's ROE was 9.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.0 percentage points from the prior year.
Capital Allocation
AHL Income Statement
| Metric | Q3'25 | Q3'24 | Q1'24 | Q3'23 | Q3'22 | Q3'21 | Q3'20 | Q4'19 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $605.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $137.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $5.5M |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$4.4M |
| Net Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
AHL Balance Sheet
| Metric | Q3'25 | Q3'24 | Q1'24 | Q3'23 | Q3'22 | Q3'21 | Q3'20 | Q4'19 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.7B+3.4% | $15.2B-1.1% | $15.4B+1.6% | $15.2B+9.5% | $13.8B+5.8% | $13.1B+4.1% | $12.6B-3.1% | $13.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $914.2M-11.1% | $1.0B-3.1% | $1.1B+10.7% | $959.2M-27.0% | $1.3B-24.8% | $1.7B+69.6% | $1.0B+5.6% | $975.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $2.1M-46.2% | $3.9M | N/A | $3.9M0.0% | $3.9M0.0% | $3.9M0.0% | $3.9M0.0% | $3.9M |
| Total Liabilities | $12.4B+0.5% | $12.3B-4.1% | $12.8B+0.4% | $12.8B+15.6% | $11.1B+8.5% | $10.2B+3.5% | $9.9B-4.0% | $10.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | $300.0M | N/A | $0-100.0% | $299.9M0.0% | $299.9M0.0% | $299.8M-29.4% | $424.7M |
| Total Equity | $3.4B+15.9% | $2.9B+14.1% | $2.5B+8.1% | $2.4B-15.0% | $2.8B-3.9% | $2.9B+9.9% | $2.6B-3.3% | $2.7B |
| Retained Earnings | $2.0B+13.2% | $1.8B+17.6% | $1.5B+13.1% | $1.3B-2.4% | $1.4B-1.1% | $1.4B-7.8% | $1.5B-16.2% | $1.8B |
AHL Cash Flow Statement
| Metric | Q3'25 | Q3'24 | Q1'24 | Q3'23 | Q3'22 | Q3'21 | Q3'20 | Q4'19 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$179.5M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $79.9M |
| Financing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$9.8M |
| Dividends Paid | $13.8M+0.5% | $13.8M+23.8% | $11.1M | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $100K |
AHL Financial Ratios
| Metric | Q3'25 | Q3'24 | Q1'24 | Q3'23 | Q3'22 | Q3'21 | Q3'20 | Q4'19 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.67+3.6 | 0.10-4.9 | 5.04+5.0 | 0.00-0.1 | 0.110.0 | 0.10-0.0 | 0.11-0.0 | 0.16 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Aspen Insur Hldg's annual revenue?
Aspen Insur Hldg (AHL) reported $3.2B in total revenue for fiscal year 2025. This represents a -1.2% 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 Aspen Insur Hldg's revenue growing?
Aspen Insur Hldg (AHL) revenue declined by 1.2% year-over-year, from $3.3B to $3.2B in fiscal year 2025.
Is Aspen Insur Hldg profitable?
Yes, Aspen Insur Hldg (AHL) reported a net income of $340.2M in fiscal year 2025, with a net profit margin of 10.6%.
How much debt does Aspen Insur Hldg have?
As of fiscal year 2025, Aspen Insur Hldg (AHL) had $1.7B in cash and equivalents against $296.8M in long-term debt.
What is Aspen Insur Hldg's net profit margin?
Aspen Insur Hldg (AHL) had a net profit margin of 10.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Aspen Insur Hldg's return on equity (ROE)?
Aspen Insur Hldg (AHL) has a return on equity of 9.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Aspen Insur Hldg's operating cash flow?
Aspen Insur Hldg (AHL) generated $439.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Aspen Insur Hldg's total assets?
Aspen Insur Hldg (AHL) had $16.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Aspen Insur Hldg's debt-to-equity ratio?
Aspen Insur Hldg (AHL) had a debt-to-equity ratio of 0.08 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Aspen Insur Hldg's return on assets (ROA)?
Aspen Insur Hldg (AHL) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Aspen Insur Hldg's Piotroski F-Score?
Aspen Insur Hldg (AHL) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Aspen Insur Hldg's earnings high quality?
Aspen Insur Hldg (AHL) has an earnings quality ratio of 1.29x, considered cash-backed (high quality). 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.