F

SiriusPoint Ltd. — Earnings Quality Grade F

SPNT · Financial Services

Major red flags

Revenue
$3.2B
2025
Net Income
$460M
2025
Gross Margin
Free Cash Flow
$102M
01

Screening Summary

9
Passed
0
Watch
2
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 501 days, change -109 days YoY

A2AR vs Revenue Growth

AR growth -0.2% vs revenue growth 21.7%

A3Revenue vs CFFO

Revenue 21.7%, CFFO 37.1%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

Insufficient data

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 0.22. Only 22% of profit backed by cash

C2Free Cash Flow

FCF < 50% of Net Income for 2 years

C3Accruals Ratio

Accruals ratio = 2.8%. Low accruals

C4Cash vs Debt

Cash $3.1B covers debt $0.7B

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

No goodwill

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

SiriusPoint Ltd. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25