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Side-by-side financial comparison of Skyward Specialty Insurance Group, Inc. (SKWD) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
Skyward Specialty Insurance Group, Inc. is the larger business by last-quarter revenue ($385.6M vs $341.0M, roughly 1.1× Utz Brands, Inc.). Skyward Specialty Insurance Group, Inc. runs the higher net margin — 11.2% vs 0.7%, a 10.5% gap on every dollar of revenue. On growth, Skyward Specialty Insurance Group, Inc. posted the faster year-over-year revenue change (26.7% vs -3.1%). Skyward Specialty Insurance Group, Inc. produced more free cash flow last quarter ($402.6M vs $16.5M). Over the past eight quarters, Skyward Specialty Insurance Group, Inc.'s revenue compounded faster (20.6% CAGR vs -1.5%).
Skyward Specialty Insurance Group, Inc. is a specialty property and casualty insurance provider offering tailored coverage solutions including commercial auto, general liability, professional indemnity, and specialty property policies. It primarily serves small-to-medium enterprises and niche industry segments across the United States, focusing on underwriting complex, hard-to-place risks for underserved client groups.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
SKWD vs UTZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $385.6M | $341.0M |
| Net Profit | $43.2M | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | 14.2% | 2.1% |
| Net Margin | 11.2% | 0.7% |
| Revenue YoY | 26.7% | -3.1% |
| Net Profit YoY | 200.1% | 108.3% |
| EPS (diluted) | $1.03 | $0.04 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $385.6M | — | ||
| Q3 25 | $382.5M | — | ||
| Q2 25 | $319.9M | — | ||
| Q1 25 | $328.5M | — | ||
| Q4 24 | $304.4M | $341.0M | ||
| Q3 24 | $300.9M | $365.5M | ||
| Q2 24 | $279.9M | $356.2M | ||
| Q1 24 | $265.0M | $346.5M |
| Q4 25 | $43.2M | — | ||
| Q3 25 | $45.9M | — | ||
| Q2 25 | $38.8M | — | ||
| Q1 25 | $42.1M | — | ||
| Q4 24 | $14.4M | $2.3M | ||
| Q3 24 | $36.7M | $-2.2M | ||
| Q2 24 | $31.0M | $19.8M | ||
| Q1 24 | $36.8M | $-4.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
| Q4 25 | 14.2% | — | ||
| Q3 25 | 15.8% | — | ||
| Q2 25 | 15.6% | — | ||
| Q1 25 | 15.7% | — | ||
| Q4 24 | 6.1% | 2.1% | ||
| Q3 24 | 15.6% | 5.3% | ||
| Q2 24 | 14.4% | 6.3% | ||
| Q1 24 | 17.7% | 2.8% |
| Q4 25 | 11.2% | — | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 12.1% | — | ||
| Q1 25 | 12.8% | — | ||
| Q4 24 | 4.7% | 0.7% | ||
| Q3 24 | 12.2% | -0.6% | ||
| Q2 24 | 11.1% | 5.6% | ||
| Q1 24 | 13.9% | -1.2% |
| Q4 25 | $1.03 | — | ||
| Q3 25 | $1.10 | — | ||
| Q2 25 | $0.93 | — | ||
| Q1 25 | $1.01 | — | ||
| Q4 24 | $0.33 | $0.04 | ||
| Q3 24 | $0.89 | $-0.03 | ||
| Q2 24 | $0.75 | $0.23 | ||
| Q1 24 | $0.90 | $-0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $168.5M | $56.1M |
| Total DebtLower is stronger | — | $768.6M |
| Stockholders' EquityBook value | $1.0B | $696.9M |
| Total Assets | $4.8B | $2.7B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $168.5M | — | ||
| Q3 25 | $160.1M | — | ||
| Q2 25 | $136.6M | — | ||
| Q1 25 | $112.9M | — | ||
| Q4 24 | $121.6M | $56.1M | ||
| Q3 24 | $105.6M | $64.9M | ||
| Q2 24 | $73.0M | $66.6M | ||
| Q1 24 | $85.1M | $47.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M |
| Q4 25 | $1.0B | — | ||
| Q3 25 | $961.4M | — | ||
| Q2 25 | $899.9M | — | ||
| Q1 25 | $850.7M | — | ||
| Q4 24 | $794.0M | $696.9M | ||
| Q3 24 | $797.5M | $685.7M | ||
| Q2 24 | $723.6M | $686.0M | ||
| Q1 24 | $692.3M | $671.1M |
| Q4 25 | $4.8B | — | ||
| Q3 25 | $4.6B | — | ||
| Q2 25 | $4.3B | — | ||
| Q1 25 | $4.0B | — | ||
| Q4 24 | $3.7B | $2.7B | ||
| Q3 24 | $3.6B | $2.6B | ||
| Q2 24 | $3.4B | $2.7B | ||
| Q1 24 | $3.2B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $408.1M | $54.2M |
| Free Cash FlowOCF − Capex | $402.6M | $16.5M |
| FCF MarginFCF / Revenue | 104.4% | 4.8% |
| Capex IntensityCapex / Revenue | 1.4% | 11.1% |
| Cash ConversionOCF / Net Profit | 9.44× | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | $755.2M | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $408.1M | — | ||
| Q3 25 | $171.4M | — | ||
| Q2 25 | $88.2M | — | ||
| Q1 25 | $96.8M | — | ||
| Q4 24 | $305.1M | $54.2M | ||
| Q3 24 | $168.0M | $52.2M | ||
| Q2 24 | $21.0M | $8.9M | ||
| Q1 24 | $94.3M | $-9.1M |
| Q4 25 | $402.6M | — | ||
| Q3 25 | $168.9M | — | ||
| Q2 25 | $87.1M | — | ||
| Q1 25 | $96.6M | — | ||
| Q4 24 | $300.9M | $16.5M | ||
| Q3 24 | $167.6M | $29.1M | ||
| Q2 24 | $18.4M | $-15.3M | ||
| Q1 24 | $94.0M | $-22.7M |
| Q4 25 | 104.4% | — | ||
| Q3 25 | 44.2% | — | ||
| Q2 25 | 27.2% | — | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | 98.8% | 4.8% | ||
| Q3 24 | 55.7% | 8.0% | ||
| Q2 24 | 6.6% | -4.3% | ||
| Q1 24 | 35.5% | -6.5% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 1.4% | 11.1% | ||
| Q3 24 | 0.1% | 6.3% | ||
| Q2 24 | 0.9% | 6.8% | ||
| Q1 24 | 0.1% | 3.9% |
| Q4 25 | 9.44× | — | ||
| Q3 25 | 3.73× | — | ||
| Q2 25 | 2.27× | — | ||
| Q1 25 | 2.30× | — | ||
| Q4 24 | 21.18× | 23.67× | ||
| Q3 24 | 4.58× | — | ||
| Q2 24 | 0.68× | 0.45× | ||
| Q1 24 | 2.56× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
