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OCTAVE SPECIALTY GROUP INC

OSG

$4.92 ▼ -0.74 (-13.07%) at close

9 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Moderately Bearish

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Analytical Summary

OCTAVE SPECIALTY GROUP INC faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). On the positive side, Debt to Equity remains strong. Investors should exercise caution and monitor for improvement in key metrics.

Market Cap $232.1M

Dividend Yield —

Revenue Growth 6.5% ↘

Op. Margin -40.2% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.3x

FCF Yield —

Debt / Equity 0.14

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$251.22M

↑ +6.5% —

Net Income Profit after all expenses

$-259.09M

↑ +53.4% —

Operating Margin Operating profit as % of sales

-40.2%

↓ -58.4% 6th

Long-Term Debt Long-term obligations

$100.00M

— —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Returns

Financial Health ↓

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	89.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1384%)	-74.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1348%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	-17.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-398%)	110.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1739%)	-31.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-631%)	—	—
EPS Growth YoY (%)	50.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	-11.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-153.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	53.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	83.2% Excellent Excellent Year-over-year change in net income	-160.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-20.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-22.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-41.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	18.8% Excellent Excellent Compound annual revenue growth over 3 years	5.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-16.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.4% Weak Weak Compound annual revenue growth over 5 years	-22.1% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	-40.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-261%)	-25.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-202%)	-19.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-178%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	-5.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	-103.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-569%)	-235.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1172%)	4.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	-43.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-298%)	36.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	-52.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-340%)	—	-173.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-889%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-11.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-6.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-36.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-402%)	-69.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-680%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-14.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-222%)	11.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	-23.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-298%)	51.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+328%)	37.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+212%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Debt to Equity (x)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	—	1.91x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+59%)	1.84x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+53%)	0.72x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	-0.06x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-105%)	-0.10x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-109%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$5.32	$5.02	$2.73	$10.79	$11.12	$13.71	$0.98	$1.47	—
Basic EPS, GAAP (USD)	$-5.93	$-11.96	$0.18	$-4.69	$4.07	$-7.25	$-6.48	$-2.56	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$15.90	$17.00	$29.84	$32.14	$35.12	$30.44	$-12.38	$-6.52	—
Tangible Book Value per Share (USD)	$-6.66	$0.75	$26.96	$22.85	$19.26	$11.77	$-12.38	$-6.52	—
Basic Weighted Avg Shares (shares)	47.18M	46.97M	45.64M	45.95M	45.95M	45.37M	302.44M	294.42M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$100.00M	$0.00	—	$2.82B	$2.93B	$991.70M	$223.60M	$208.26M	—
Total Equity (USD)	$715.79M	$798.36M	$1.36B	$1.48B	$1.59B	$1.38B	$-3.81B	$-2.01B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$251.22M	$235.81M	$124.73M	$496.00M	$511.00M	$622.17M	$295.76M	$434.13M	—
Depreciation Expense (USD)	$41.95M	$19.95M	$1.08M	—	—	—	—	—	—
Net Income, GAAP (USD)	$-259.09M	$-556.09M	$4.95M	$-216.00M	$186.00M	$-328.71M	$-1.96B	$-753.20M	—
Operating Cash Flow (USD)	—	—	—	$-311.00M	$-1.54B	$-221.27M	$3.56M	$-2.09B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2011 10-K ↗	FY 2018 Dec 31, 2010 10-K ↗	FY 2017 Dec 31, 2009 10-K ↗
Premiums Earned (USD)	$67.23M	$99.00M	$51.91M	$66.00M	$111.00M	$175.28M	$405.97M	—	—
Loss Ratio (%) (%)	70.2%	73.4%	70.7%	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 33 quarters

OCTAVE SPECIALTY GROUP INC

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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