EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:EG - BMG3223R1088 - Common Stock
327.16 USD
+2.78 (+0.86%)
327.16 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EG. EG was compared to 147 industry peers in the Insurance industry. EG has a bad profitability rating. Also its financial health evaluation is rather negative. EG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EG was profitable.
EG had a positive operating cash flow in the past year.
EG had positive earnings in each of the past 5 years.
In the past 5 years EG always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.88%, EG is doing worse than 63.27% of the companies in the same industry.
The Return On Equity of EG (3.56%) is worse than 78.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.93%, EG is doing worse than 63.27% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EG is significantly below the industry average of 14.89%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 3.56% | ||
| ROIC | 0.93% |
ROA(3y)2.97%
ROA(5y)2.81%
ROE(3y)11.87%
ROE(5y)10.85%
ROIC(3y)2.76%
ROIC(5y)2.88%
1.3 Margins
Looking at the Profit Margin, with a value of 3.09%, EG is doing worse than 74.83% of the companies in the same industry.
EG's Profit Margin has declined in the last couple of years.
EG has a worse Operating Margin (4.13%) than 83.67% of its industry peers.
EG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.13% | ||
| PM (TTM) | 3.09% | ||
| GM | N/A |
OM growth 3Y-11.27%
OM growth 5Y-7.38%
PM growth 3Y-11.84%
PM growth 5Y-8.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EG has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, EG has more shares outstanding
The debt/assets ratio for EG has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of EG is 0.85, which is an excellent value as it means it would take EG, only 0.85 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.85, EG is doing good in the industry, outperforming 74.15% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that EG is not too dependend on debt financing.
EG has a Debt to Equity ratio of 0.23. This is in the better half of the industry: EG outperforms 65.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.28%.
Measured over the past 5 years, EG shows a small growth in Earnings Per Share. The EPS has been growing by 6.61% on average per year.
The Revenue has grown by 8.59% in the past year. This is quite good.
EG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.93% yearly.
EPS 1Y (TTM)-78.28%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-48.43%
Revenue 1Y (TTM)8.59%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
3.2 Future
Based on estimates for the next years, EG will show a very strong growth in Earnings Per Share. The EPS will grow by 30.60% on average per year.
Based on estimates for the next years, EG will show a decrease in Revenue. The Revenue will decrease by -0.01% on average per year.
EPS Next Y55.62%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue Next Year2.39%
Revenue Next 2Y-0.77%
Revenue Next 3Y-0.01%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 25.24, the valuation of EG can be described as expensive.
Based on the Price/Earnings ratio, EG is valued a bit more expensive than 75.51% of the companies in the same industry.
EG is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.56, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.68, the valuation of EG can be described as very cheap.
EG's Price/Forward Earnings ratio is rather cheap when compared to the industry. EG is cheaper than 82.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.79. EG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.24 | ||
| Fwd PE | 5.68 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EG indicates a rather cheap valuation: EG is cheaper than 80.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EG's earnings are expected to grow with 30.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)3.82
EPS Next 2Y39.96%
EPS Next 3Y30.6%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.47%.
Compared to an average industry Dividend Yield of 2.64, EG has a dividend in line with its industry peers.
EG's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
5.2 History
On average, the dividend of EG grows each year by 6.23%, which is quite nice.
EG has paid a dividend for at least 10 years, which is a reliable track record.
EG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.23%
Div Incr Years3
Div Non Decr Years23
5.3 Sustainability
EG pays out 61.79% of its income as dividend. This is not a sustainable payout ratio.
EG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.79%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
327.16
+2.78 (+0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.01%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner Change1.08%
Market Cap13.73B
Revenue(TTM)17.70B
Net Income(TTM)547.00M
Analysts75.83
Price Target380.22 (16.22%)
Short Float %2.19%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
Yearly Dividend7.73
Dividend Growth(5Y)6.23%
DP61.79%
Div Incr Years3
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-18.31%
Min EPS beat(2)-49.12%
Max EPS beat(2)12.5%
EPS beat(4)1
Avg EPS beat(4)-17.23%
Min EPS beat(4)-49.12%
Max EPS beat(4)12.5%
EPS beat(8)2
Avg EPS beat(8)-9.19%
EPS beat(12)5
Avg EPS beat(12)-0.77%
EPS beat(16)8
Avg EPS beat(16)1.42%
Revenue beat(2)1
Avg Revenue beat(2)-3.29%
Min Revenue beat(2)-7.22%
Max Revenue beat(2)0.63%
Revenue beat(4)1
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-7.22%
Max Revenue beat(4)0.63%
Revenue beat(8)2
Avg Revenue beat(8)-4.12%
Revenue beat(12)3
Avg Revenue beat(12)-4.32%
Revenue beat(16)6
Avg Revenue beat(16)-2.29%
PT rev (1m)-4.1%
PT rev (3m)-5.6%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-7.48%
EPS NY rev (1m)-2.99%
EPS NY rev (3m)-6.3%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.24 | ||
| Fwd PE | 5.68 | ||
| P/S | 0.78 | ||
| P/FCF | 3.23 | ||
| P/OCF | 3.23 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.96
EY3.96%
EPS(NY)57.59
Fwd EY17.6%
FCF(TTM)101.14
FCFY30.92%
OCF(TTM)101.14
OCFY30.92%
SpS421.72
BVpS366.25
TBVpS366.25
PEG (NY)0.45
PEG (5Y)3.82
Graham Number326.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 3.56% | ||
| ROCE | 1.18% | ||
| ROIC | 0.93% | ||
| ROICexc | 0.95% | ||
| ROICexgc | 1.09% | ||
| OM | 4.13% | ||
| PM (TTM) | 3.09% | ||
| GM | N/A | ||
| FCFM | 23.98% |
ROA(3y)2.97%
ROA(5y)2.81%
ROE(3y)11.87%
ROE(5y)10.85%
ROIC(3y)2.76%
ROIC(5y)2.88%
ROICexc(3y)2.85%
ROICexc(5y)2.97%
ROICexgc(3y)3.23%
ROICexgc(5y)3.37%
ROCE(3y)3.49%
ROCE(5y)3.65%
ROICexgc growth 3Y-11.77%
ROICexgc growth 5Y-7.25%
ROICexc growth 3Y-12%
ROICexc growth 5Y-7.2%
OM growth 3Y-11.27%
OM growth 5Y-7.38%
PM growth 3Y-11.84%
PM growth 5Y-8.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.94 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 776.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)391.86%
Profit Quality(5y)404.58%
High Growth Momentum
Growth
EPS 1Y (TTM)-78.28%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-48.43%
EPS Next Y55.62%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue 1Y (TTM)8.59%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
Revenue Next Year2.39%
Revenue Next 2Y-0.77%
Revenue Next 3Y-0.01%
Revenue Next 5YN/A
EBIT growth 1Y-72.51%
EBIT growth 3Y0.57%
EBIT growth 5Y7.37%
EBIT Next Year18.53%
EBIT Next 3Y21.23%
EBIT Next 5YN/A
FCF growth 1Y-6.74%
FCF growth 3Y8.95%
FCF growth 5Y21.76%
OCF growth 1Y-6.74%
OCF growth 3Y8.95%
OCF growth 5Y21.76%
EVEREST GROUP LTD / EG FAQ
What is the ChartMill fundamental rating of EVEREST GROUP LTD (EG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to EG.
What is the valuation status for EG stock?
ChartMill assigns a valuation rating of 6 / 10 to EVEREST GROUP LTD (EG). This can be considered as Fairly Valued.
How profitable is EVEREST GROUP LTD (EG) stock?
EVEREST GROUP LTD (EG) has a profitability rating of 2 / 10.
What is the valuation of EVEREST GROUP LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for EVEREST GROUP LTD (EG) is 25.24 and the Price/Book (PB) ratio is 0.89.
Can you provide the financial health for EG stock?
The financial health rating of EVEREST GROUP LTD (EG) is 3 / 10.