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Octave Specialty Group Inc (OSG) stock analysis

OSGNYSESurety InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 4/30
$5.09−0.20 (-3.78%)

Close on Nov 12, 2026Market cap $229.31MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth2Performance0Health0Dividend0

Weak4 of 30 checks passed

Octave Specialty passes 4 of the 30 checks behind our score; 20 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
2/6
Past performance
0/6
Financial health
0/6
Dividend
0/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 67.3% a year over the last three fiscal years.

  • P/S below the industry

    Octave Specialty's price-to-sales of 0.70 is below the Insurance Carriers median of 2.96.

  • P/B below the industry

    Octave Specialty's price-to-book of 0.35 is below the Insurance Carriers median of 1.57.

  • Growing faster than the industry

    Revenue grew 36.0% over the last twelve months; the Insurance Carriers median is 11.1%.

What to watch

  • Return on equity under 15%

    Return on equity was -7.9% over the last twelve months and averaged -8.3% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -2.7%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Octave Specialty's return on equity of -7.9% is below the Insurance Carriers median of 14.0%.

  • Net margin below its 5-year average

    Net margin was -17.7% over the last twelve months, against a 5-year average of 127%.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Octave Specialty's price-to-sales of 0.70 is below the Insurance Carriers median of 2.96.

  • P/B below the industry

    Octave Specialty's price-to-book of 0.35 is below the Insurance Carriers median of 1.57.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 67.3% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 36.0% over the last twelve months; the Insurance Carriers median is 11.1%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was -7.9% over the last twelve months and averaged -8.3% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -2.7%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Octave Specialty's return on equity of -7.9% is below the Insurance Carriers median of 14.0%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was -17.7% over the last twelve months, against a 5-year average of 127%.

  • Net margin below the industry

    Octave Specialty's net margin of -17.7% is below the Insurance Carriers median of 10.6%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Octave Specialty has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Octave Specialty. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 3.6
  • Insurance Carriers median 11.2

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.42M
Value traded per 1% price move
$963.43K

Downside

High risk

Typical loss in a bad month
26.9%
Volatility (annualized)
68%
Sharpe ratio, 1 year
-0.64
Beta to the S&P 500 (5Y)
0.71

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2010 to 2025

Net margin

-103.1%+177.0 pts over 5 years

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