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Ambac Financial Group
Ambac Financial Group (OSG) investor relations material
Ambac Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Achieved 65% year-over-year revenue growth in insurance distribution, with 14.2% organic growth for the year and 8.1% for Q4 2025, driven by organic expansion and acquisitions.
Completed a transformational year, exiting the legacy financial guarantee business and acquiring ArmadaCare, enhancing product diversification and recurring revenue.
Launched 1889 Specialty MGA, expanding into SME financial institutions management liability and leveraging Lloyd's capacity.
Share repurchases totaled $27 million in October, representing 6.7% of shares outstanding.
Financial highlights
Q4 2025 net loss to shareholders was $30 million ($0.84/share), up from $22 million ($0.56/share) in Q4 2024, mainly due to acquisition, exit, and restructuring costs.
Adjusted EBITDA from continuing operations rose to $1.4 million from $0.5 million year-over-year.
Total revenues increased 3% to $67 million for Q4 2025.
Full year 2025 premium production up 50% to $1,312 million; Insurance Distribution premiums up 93% to $952 million.
Insurance Distribution segment net loss improved to $1.4 million from $6 million, with adjusted EBITDA up 33% to just over $7 million.
Outlook and guidance
2026 guidance: insurance distribution organic revenue growth of at least 20% and adjusted EBITDA of ~$40 million.
Specialty insurance segment (Everspan) expected to reach $410 million gross written premiums and $7.5 million adjusted EBITDA.
Consolidated adjusted net income guidance is ~$0.50 per share for 2026.
Management expects strong organic growth in 2026, supported by recent acquisitions, new MGA launches, and cost reduction initiatives.
Expecting 2–4 new MGA launches per year, focusing on scaling recent startups.
Startup MGA EBITDA drag outlook for 2026
AI integration impact on margins and scalability
NCI buy-in strategy and earnings accretion
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Next Ambac Financial Group earnings date
Q1 202612 May, 2026
Ambac Financial Group
Next Ambac Financial Group earnings date
Q1 202612 May, 2026
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Frequently asked questions
Ambac Financial Group, Inc. is a financial services holding company primarily engaged in providing financial guarantees and other insurance-related products. The company's key business includes managing a legacy financial guarantee portfolio, which offers protection against defaults on public finance, infrastructure, and structured finance obligations. Ambac also focuses on risk management and loss recovery strategies related to its insured exposures. Additionally, the company explores opportunities in specialty property and casualty insurance. The company is headquartered in New York, United States, and its shares are listed on the NYSE.
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