Logo image of EG

EVEREST GROUP LTD (EG) Stock Fundamental Analysis

NYSE:EG - New York Stock Exchange, Inc. - BMG3223R1088 - Common Stock - Currency: USD

341.72  -3.55 (-1.03%)

After market: 341.72 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to EG. EG was compared to 144 industry peers in the Insurance industry. While EG has a great profitability rating, there are quite some concerns on its financial health. EG has a bad growth rate and is valued cheaply. EG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

7

1. Profitability

1.1 Basic Checks

EG had positive earnings in the past year.
EG had a positive operating cash flow in the past year.
EG had positive earnings in 4 of the past 5 years.
EG had a positive operating cash flow in 4 of the past 5 years.
EG Yearly Net Income VS EBIT VS OCF VS FCFEG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B 3B 4B

1.2 Ratios

With an excellent Return On Assets value of 4.90%, EG belongs to the best of the industry, outperforming 80.28% of the companies in the same industry.
With a decent Return On Equity value of 17.85%, EG is doing good in the industry, outperforming 74.65% of the companies in the same industry.
EG has a better Return On Invested Capital (3.79%) than 71.13% of its industry peers.
EG had an Average Return On Invested Capital over the past 3 years of 3.11%. This is in line with the industry average of 4.59%.
The last Return On Invested Capital (3.79%) for EG is above the 3 year average (3.11%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.9%
ROE 17.85%
ROIC 3.79%
ROA(3y)3.36%
ROA(5y)3.06%
ROE(3y)13.08%
ROE(5y)11.08%
ROIC(3y)3.11%
ROIC(5y)3.09%
EG Yearly ROA, ROE, ROICEG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15

1.3 Margins

With an excellent Profit Margin value of 16.79%, EG belongs to the best of the industry, outperforming 80.28% of the companies in the same industry.
EG's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 16.31%, EG is in the better half of the industry, outperforming 69.72% of the companies in the same industry.
EG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.31%
PM (TTM) 16.79%
GM N/A
OM growth 3Y9.95%
OM growth 5YN/A
PM growth 3Y47.71%
PM growth 5Y70.21%
GM growth 3YN/A
GM growth 5YN/A
EG Yearly Profit, Operating, Gross MarginsEG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15 20

More info and screens

3

2. Health

2.1 Basic Checks

There is no outstanding debt for EG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
EG Yearly Shares OutstandingEG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
EG Yearly Total Debt VS Total AssetsEG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B

2.2 Solvency

EG has a debt to FCF ratio of 0.65. This is a very positive value and a sign of high solvency as it would only need 0.65 years to pay back of all of its debts.
EG's Debt to FCF ratio of 0.65 is fine compared to the rest of the industry. EG outperforms 73.94% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that EG is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.22, EG is doing good in the industry, outperforming 68.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
EG Yearly LT Debt VS Equity VS FCFEG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EG Yearly Current Assets VS Current LiabilitesEG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

More info and screens

3

3. Growth

3.1 Past

The earnings per share for EG have decreased strongly by -44.03% in the last year.
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.
EPS 1Y (TTM)-44.03%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-254.93%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.33%

3.2 Future

EG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 57.40% yearly.
Based on estimates for the next years, EG will show a small growth in Revenue. The Revenue will grow by 6.65% on average per year.
EPS Next Y117.36%
EPS Next 2Y57.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.85%
Revenue Next 2Y4.51%
Revenue Next 3Y6.65%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
EG Yearly Revenue VS EstimatesEG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
EG Yearly EPS VS EstimatesEG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20 40 60

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.62, the valuation of EG can be described as very reasonable.
EG's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of EG to the average of the S&P500 Index (28.47), we can say EG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.35, the valuation of EG can be described as very cheap.
EG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EG is cheaper than 78.87% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EG to the average of the S&P500 Index (92.74), we can say EG is valued rather cheaply.
Industry RankSector Rank
PE 11.62
Fwd PE 5.35
EG Price Earnings VS Forward Price EarningsEG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

80.28% of the companies in the same industry are more expensive than EG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.83
EV/EBITDA N/A
EG Per share dataEG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

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 has a very decent profitability rating, which may justify a higher PE ratio.
EG's earnings are expected to grow with 57.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)1.76
EPS Next 2Y57.4%
EPS Next 3YN/A

More info and screens

7

5. Dividend

5.1 Amount

EG has a Yearly Dividend Yield of 2.32%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.13, EG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, EG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.32%

5.2 History

The dividend of EG has a limited annual growth rate of 5.80%.
EG has been paying a dividend for at least 10 years, so it has a reliable track record.
EG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.8%
Div Incr Years3
Div Non Decr Years23
EG Yearly Dividends per shareEG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

5.3 Sustainability

EG pays out 11.87% of its income as dividend. This is a sustainable payout ratio.
The dividend of EG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP11.87%
EPS Next 2Y57.4%
EPS Next 3YN/A
EG Yearly Income VS Free CF VS DividendEG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B
EG Dividend Payout.EG Dividend Payout, showing the Payout Ratio.EG Dividend Payout.PayoutRetained Earnings

More info and screens

EVEREST GROUP LTD

NYSE:EG (2/4/2025, 8:04:01 PM)

After market: 341.72 0 (0%)

341.72

-3.55 (-1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03 2025-02-03/amc
Earnings (Next)N/A N/A
Inst Owners95.58%
Inst Owner ChangeN/A
Ins Owners1.37%
Ins Owner Change-0.78%
Market Cap14.69B
Analysts79.09
Price Target431.25 (26.2%)
Short Float %1.47%
Short Ratio1.52
Dividend
Industry RankSector Rank
Dividend Yield 2.32%
Yearly Dividend6.99
Dividend Growth(5Y)5.8%
DP11.87%
Div Incr Years3
Div Non Decr Years23
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.89%
Min EPS beat(2)-1.37%
Max EPS beat(2)19.15%
EPS beat(4)1
Avg EPS beat(4)-1.16%
Min EPS beat(4)-21.38%
Max EPS beat(4)19.15%
EPS beat(8)4
Avg EPS beat(8)7.46%
EPS beat(12)7
Avg EPS beat(12)7.64%
EPS beat(16)10
Avg EPS beat(16)10.99%
Revenue beat(2)0
Avg Revenue beat(2)-8.78%
Min Revenue beat(2)-10.84%
Max Revenue beat(2)-6.71%
Revenue beat(4)1
Avg Revenue beat(4)-4.67%
Min Revenue beat(4)-10.84%
Max Revenue beat(4)2.38%
Revenue beat(8)2
Avg Revenue beat(8)-4.7%
Revenue beat(12)5
Avg Revenue beat(12)-1.86%
Revenue beat(16)9
Avg Revenue beat(16)2.58%
PT rev (1m)-1.36%
PT rev (3m)-4.58%
EPS NQ rev (1m)-132.69%
EPS NQ rev (3m)-116.62%
EPS NY rev (1m)-18.09%
EPS NY rev (3m)-26.36%
Revenue NQ rev (1m)1.78%
Revenue NQ rev (3m)-6.99%
Revenue NY rev (1m)1.83%
Revenue NY rev (3m)-2.78%
Valuation
Industry RankSector Rank
PE 11.62
Fwd PE 5.35
P/S 0.9
P/FCF 2.83
P/OCF 2.83
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)29.4
EY8.6%
EPS(NY)63.9
Fwd EY18.7%
FCF(TTM)120.85
FCFY35.36%
OCF(TTM)120.85
OCFY35.36%
SpS379.32
BVpS356.79
TBVpS356.79
PEG (NY)0.1
PEG (5Y)1.76
Profitability
Industry RankSector Rank
ROA 4.9%
ROE 17.85%
ROCE 4.8%
ROIC 3.79%
ROICexc 3.91%
ROICexgc 4.4%
OM 16.31%
PM (TTM) 16.79%
GM N/A
FCFM 31.86%
ROA(3y)3.36%
ROA(5y)3.06%
ROE(3y)13.08%
ROE(5y)11.08%
ROIC(3y)3.11%
ROIC(5y)3.09%
ROICexc(3y)3.22%
ROICexc(5y)3.19%
ROICexgc(3y)3.64%
ROICexgc(5y)3.62%
ROCE(3y)3.93%
ROCE(5y)3.91%
ROICexcg growth 3Y9.75%
ROICexcg growth 5YN/A
ROICexc growth 3Y10.15%
ROICexc growth 5YN/A
OM growth 3Y9.95%
OM growth 5YN/A
PM growth 3Y47.71%
PM growth 5Y70.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.65
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 18.34
Cash Conversion N/A
Profit Quality 189.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
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)364.07%
Profit Quality(5y)368.69%
High Growth Momentum
Growth
EPS 1Y (TTM)-44.03%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-254.93%
EPS Next Y117.36%
EPS Next 2Y57.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.33%
Revenue Next Year4.85%
Revenue Next 2Y4.51%
Revenue Next 3Y6.65%
Revenue Next 5YN/A
EBIT growth 1Y3.14%
EBIT growth 3Y26.42%
EBIT growth 5YN/A
EBIT Next Year21.24%
EBIT Next 3Y-2.98%
EBIT Next 5YN/A
FCF growth 1Y39.52%
FCF growth 3Y16.59%
FCF growth 5Y49.49%
OCF growth 1Y39.52%
OCF growth 3Y16.59%
OCF growth 5Y49.49%