LOEWS CORP (L)
US5404241086 - Common Stock
L gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. L has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, L is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year L was profitable.
In the past year L had a positive cash flow from operations.
L had positive earnings in 4 of the past 5 years.
L had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
L has a Return On Assets (2.00%) which is comparable to the rest of the industry.
L's Return On Equity of 9.64% is in line compared to the rest of the industry. L outperforms 44.60% of its industry peers.
L's Return On Invested Capital of 2.52% is in line compared to the rest of the industry. L outperforms 54.68% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for L is below the industry average of 4.38%.
The 3 year average ROIC (2.15%) for L is below the current ROIC(2.52%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.64% | ||
| ROIC | 2.52% |
ROA(3y)1.6%
ROA(5y)0.96%
ROE(3y)7.87%
ROE(5y)4.65%
ROIC(3y)2.15%
ROIC(5y)N/A
1.3 Margins
L has a Profit Margin of 9.71%. This is comparable to the rest of the industry: L outperforms 58.27% of its industry peers.
In the last couple of years the Profit Margin of L has grown nicely.
L's Operating Margin of 15.39% is fine compared to the rest of the industry. L outperforms 68.35% of its industry peers.
In the last couple of years the Operating Margin of L has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.39% | ||
| PM (TTM) | 9.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y7.28%
PM growth 3YN/A
PM growth 5Y14.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), L is destroying value.
L has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, L has less shares outstanding
L has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of L is 5.07, which is a neutral value as it means it would take L, 5.07 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.07, L is doing worse than 64.75% of the companies in the same industry.
L has a Debt/Equity ratio of 0.51. This is a neutral value indicating L is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.51, L is doing worse than 68.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 5.07 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC7.27%
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 impressive 26.77% over the past year.
The Earnings Per Share has been growing by 24.34% on average over the past years. This is a very strong growth
Looking at the last year, L shows a quite strong growth in Revenue. The Revenue has grown by 12.64% in the last year.
Measured over the past years, L shows a small growth in Revenue. The Revenue has been growing by 2.45% on average per year.
EPS 1Y (TTM)26.77%
EPS 3YN/A
EPS 5Y24.34%
EPS Q2Q%62.5%
Revenue 1Y (TTM)12.64%
Revenue growth 3Y7.8%
Revenue growth 5Y2.45%
Sales Q2Q%13.75%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
L is valuated reasonably with a Price/Earnings ratio of 10.94.
L's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.40. L is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, L is valued a bit cheaper than the industry average as 64.75% of the companies are valued more expensively.
L's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.54 | ||
| EV/EBITDA | 8.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.30%, L is not a good candidate for dividend investing.
L's Dividend Yield is slightly below the industry average, which is at 3.09.
With a Dividend Yield of 0.30, L pays less dividend than the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
5.2 History
The dividend of L has a limited annual growth rate of 0.03%.
L has been paying a dividend for at least 10 years, so it has a reliable track record.
L has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.03%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
3.35% of the earnings are spent on dividend by L. This is a low number and sustainable payout ratio.
L's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP3.35%
EPS Next 2YN/A
EPS Next 3YN/A
LOEWS CORP
NYSE:L (1/6/2025, 4:29:22 PM)
After market: 82.37 0 (0%)82.37
-1.98 (-2.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners59.93%
Inst Owner Change0%
Ins Owners14.57%
Ins Owner Change-0.87%
Market Cap17.94B
Analysts42.86
Price TargetN/A
Short Float %0.92%
Short Ratio2.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
Dividend Growth(5Y)0.03%
DP3.35%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | N/A | ||
| P/S | 1.04 | ||
| P/FCF | 9.54 | ||
| P/OCF | 7 | ||
| P/B | 1.03 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)7.53
EY9.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)8.63
FCFY10.48%
OCF(TTM)11.76
OCFY14.28%
SpS79.11
BVpS79.7
TBVpS78.1
PEG (NY)N/A
PEG (5Y)0.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.64% | ||
| ROCE | 3.2% | ||
| ROIC | 2.52% | ||
| ROICexc | 2.53% | ||
| ROICexgc | 2.69% | ||
| OM | 15.39% | ||
| PM (TTM) | 9.71% | ||
| GM | N/A | ||
| FCFM | 10.91% |
ROA(3y)1.6%
ROA(5y)0.96%
ROE(3y)7.87%
ROE(5y)4.65%
ROIC(3y)2.15%
ROIC(5y)N/A
ROICexc(3y)2.16%
ROICexc(5y)N/A
ROICexgc(3y)2.28%
ROICexgc(5y)N/A
ROCE(3y)2.73%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y10.4%
ROICexc growth 3YN/A
ROICexc growth 5Y10.07%
OM growth 3YN/A
OM growth 5Y7.28%
PM growth 3YN/A
PM growth 5Y14.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 5.07 | ||
| Debt/EBITDA | 2.77 | ||
| Cap/Depr | 126.58% | ||
| Cap/Sales | 3.95% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 80.28% | ||
| Profit Quality | 112.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.27%
ROIC/WACC0.35
Cap/Depr(3y)116.92%
Cap/Depr(5y)111.58%
Cap/Sales(3y)4.09%
Cap/Sales(5y)4.96%
Profit Quality(3y)228.19%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.77%
EPS 3YN/A
EPS 5Y24.34%
EPS Q2Q%62.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.64%
Revenue growth 3Y7.8%
Revenue growth 5Y2.45%
Sales Q2Q%13.75%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y37.91%
EBIT growth 3YN/A
EBIT growth 5Y9.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.3%
FCF growth 3Y46%
FCF growth 5Y-0.04%
OCF growth 1Y-29.62%
OCF growth 3Y30.82%
OCF growth 5Y-1.54%