EVEREST GROUP LTD (EG)
BMG3223R1088 - Common Stock
Taking everything into account, EG scores 6 out of 10 in our fundamental rating. EG was compared to 141 industry peers in the Insurance industry. EG has an excellent profitability rating, but there are concerns on its financial health. EG is valued quite cheap, while showing a decent growth score. This is a good combination! Finally EG also has an excellent dividend rating.
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 each of the past 5 years.
Each year in the past 5 years EG had a positive operating cash flow.
1.2 Ratios
EG has a better Return On Assets (4.90%) than 82.14% of its industry peers.
EG's Return On Equity of 17.85% is fine compared to the rest of the industry. EG outperforms 75.00% of its industry peers.
EG has a Return On Invested Capital of 3.79%. This is in the better half of the industry: EG outperforms 72.14% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EG is in line with the industry average of 4.38%.
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 Rank | Sector 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%
1.3 Margins
EG has a Profit Margin of 16.79%. This is in the better half of the industry: EG outperforms 80.00% of its industry peers.
EG's Profit Margin has improved in the last couple of years.
EG has a Operating Margin of 16.31%. This is in the better half of the industry: EG outperforms 70.00% of its industry peers.
In the last couple of years the Operating Margin of EG has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, EG has more shares outstanding
EG has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EG has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EG is 0.65, which is an excellent value as it means it would take EG, only 0.65 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.65, EG is doing good in the industry, outperforming 73.57% of the companies in the same industry.
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 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.65 | ||
| 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
The Earnings Per Share has grown by an nice 12.84% over the past year.
Measured over the past years, EG shows a very strong growth in Earnings Per Share. The EPS has been growing by 63.33% on average per year.
Looking at the last year, EG shows a quite strong growth in Revenue. The Revenue has grown by 14.93% in the last year.
The Revenue has been growing by 14.63% on average over the past years. This is quite good.
EPS 1Y (TTM)12.84%
EPS 3Y92.19%
EPS 5Y63.33%
EPS Q2Q%3.39%
Revenue 1Y (TTM)14.93%
Revenue growth 3Y14.97%
Revenue growth 5Y14.63%
Sales Q2Q%11.53%
3.2 Future
EG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.02% yearly.
Based on estimates for the next years, EG will show a quite strong growth in Revenue. The Revenue will grow by 8.73% on average per year.
EPS Next Y8.06%
EPS Next 2Y13.75%
EPS Next 3Y13.02%
EPS Next 5YN/A
Revenue Next Year13.59%
Revenue Next 2Y10.1%
Revenue Next 3Y8.73%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.03, which indicates a rather cheap valuation of EG.
Based on the Price/Earnings ratio, EG is valued a bit cheaper than the industry average as 77.14% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.30. EG is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.30, which indicates a rather cheap valuation of EG.
80.00% of the companies in the same industry are more expensive than EG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of EG to the average of the S&P500 Index (23.80), we can say EG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.03 | ||
| Fwd PE | 5.3 |
4.2 Price Multiples
82.86% of the companies in the same industry are more expensive than EG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of EG may justify a higher PE ratio.
EG's earnings are expected to grow with 13.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.75
PEG (5Y)0.1
EPS Next 2Y13.75%
EPS Next 3Y13.02%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.29%, EG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.35, EG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, EG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.8%
Div Incr Years3
Div Non Decr Years23
5.3 Sustainability
11.87% of the earnings are spent on dividend by EG. This is a low number and sustainable payout ratio.
EG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP11.87%
EPS Next 2Y13.75%
EPS Next 3Y13.02%
EVEREST GROUP LTD
NYSE:EG (12/27/2024, 7:13:30 PM)
After market: 359.95 0 (0%)359.95
-2.18 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.58%
Inst Owner ChangeN/A
Ins Owners1.37%
Ins Owner Change-0.77%
Market Cap15.47B
Analysts79.05
Price Target438.32 (21.77%)
Short Float %1.39%
Short Ratio1.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
Dividend Growth(5Y)5.8%
DP11.87%
Div Incr Years3
Div Non Decr Years23
Ex-Date
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)-3.01%
PT rev (3m)0.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-49.16%
EPS NY rev (1m)-6.98%
EPS NY rev (3m)-10.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.62%
Revenue NY rev (1m)-5.25%
Revenue NY rev (3m)-4.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.03 | ||
| Fwd PE | 5.3 | ||
| P/S | 0.95 | ||
| P/FCF | 2.98 | ||
| P/OCF | 2.98 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)59.66
EY16.57%
EPS(NY)67.97
Fwd EY18.88%
FCF(TTM)120.85
FCFY33.57%
OCF(TTM)120.85
OCFY33.57%
SpS379.32
BVpS356.79
TBVpS356.79
PEG (NY)0.75
PEG (5Y)0.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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)12.84%
EPS 3Y92.19%
EPS 5Y63.33%
EPS Q2Q%3.39%
EPS Next Y8.06%
EPS Next 2Y13.75%
EPS Next 3Y13.02%
EPS Next 5YN/A
Revenue 1Y (TTM)14.93%
Revenue growth 3Y14.97%
Revenue growth 5Y14.63%
Sales Q2Q%11.53%
Revenue Next Year13.59%
Revenue Next 2Y10.1%
Revenue Next 3Y8.73%
Revenue Next 5YN/A
EBIT growth 1Y3.14%
EBIT growth 3Y26.42%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
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%