LOEWS CORP(NYSE:L) stock Fundamental Analysis

Fundamental Rating

Overall L gets a fundamental rating of 4 out of 10. We evaluated L against 144 industry peers in the Insurance industry. While L is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, L is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

L had positive earnings in the past year.

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.

Looking at the Return On Equity, with a value of 9.64%, L is in line with its industry, outperforming 44.37% of the companies in the same industry.

L's Return On Invested Capital of 2.52% is in line compared to the rest of the industry. L outperforms 54.23% of its industry peers.

L had an Average Return On Invested Capital over the past 3 years of 2.15%. This is below the industry average of 4.59%.

The last Return On Invested Capital (2.52%) for L is above the 3 year average (2.15%), which is a sign of increasing profitability.

		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

With a Profit Margin value of 9.71%, L perfoms like the industry average, outperforming 58.45% of the companies in the same industry.

In the last couple of years the Profit Margin of L has grown nicely.

L has a better Operating Margin (15.39%) than 67.61% of its industry peers.

L's Operating Margin has improved in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

L has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.

L has a worse Debt to FCF ratio (5.07) than 64.79% of its industry peers.

A Debt/Equity ratio of 0.51 indicates that L is somewhat dependend on debt financing.

L's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. L is outperformed by 69.01% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	5.07
Altman-Z	N/A

ROIC/WACC0.35

WACC7.28%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

L shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.77%, which is quite impressive.

Measured over the past years, L shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.34% on average per year.

The Revenue has grown by 12.64% in the past year. This is quite good.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.46 indicates a reasonable valuation of L.

L's Price/Earnings is on the same level as the industry average.

When comparing the Price/Earnings ratio of L to the average of the S&P500 Index (28.35), we can say L is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.46
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, L is valued a bit cheaper than 64.08% of the companies in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of L is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	9.99
EV/EBITDA	8.71

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.47

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

L has a yearly dividend return of 0.29%, which is pretty low.

Compared to an average industry Dividend Yield of 3.15, L is paying slightly less dividend.

With a Dividend Yield of 0.29, L pays less dividend than the S&P500 average, which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	0.29%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)0.03%

Div Incr Years0

Div Non Decr Years10

5.3 Sustainability

L pays out 3.35% of its income as dividend. This is a 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

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LOEWS CORP

NYSE:L (2/5/2025, 8:10:49 PM)

Premarket: 85.5 -0.78 (-0.9%)

86.28

+0.54 (+0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2024-11-04/bmo

Earnings (Next)02-10 2025-02-10

Inst Owners59.93%

Inst Owner Change-0.29%

Ins Owners14.57%

Ins Owner Change-0.78%

Market Cap18.79B

Analysts42.86

Price TargetN/A

Short Float %1.11%

Short Ratio2.62

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.29%

Yearly Dividend0.25

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	11.46
Fwd PE	N/A
P/S	1.09
P/FCF	9.99
P/OCF	7.34
P/B	1.08
P/tB	1.1
EV/EBITDA	8.71

EPS(TTM)7.53

EY8.73%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)8.63

FCFY10.01%

OCF(TTM)11.76

OCFY13.63%

SpS79.11

BVpS79.7

TBVpS78.1

PEG (NY)N/A

PEG (5Y)0.47

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

WACC7.28%

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%

LOEWS CORP (L) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens