LOEWS CORP (L) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:L - US5404241086 - Common Stock
102.38 USD
+0.08 (+0.08%)
102.38 USD
0 (0%)
Taking everything into account, L scores 3 out of 10 in our fundamental rating. L was compared to 149 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. L has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year L was profitable.
- L had a positive operating cash flow in the past year.
- L had positive earnings in 4 of the past 5 years.
- In the past 5 years L always reported a positive cash flow from operatings.
1.2 Ratios
- L has a Return On Assets of 1.69%. This is comparable to the rest of the industry: L outperforms 46.31% of its industry peers.
- L has a worse Return On Equity (7.94%) than 67.11% of its industry peers.
- The Return On Invested Capital of L (2.18%) is comparable to the rest of the industry.
- L had an Average Return On Invested Capital over the past 3 years of 2.05%. This is significantly below the industry average of 14.92%.
- The last Return On Invested Capital (2.18%) for L is above the 3 year average (2.05%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 7.94% | ||
| ROIC | 2.18% |
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of L (7.93%) is comparable to the rest of the industry.
- L's Profit Margin has improved in the last couple of years.
- L has a Operating Margin of 12.88%. This is comparable to the rest of the industry: L outperforms 51.68% of its industry peers.
- In the last couple of years the Operating Margin of L has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.88% | ||
| PM (TTM) | 7.93% | ||
| GM | N/A |
OM growth 3Y-9.39%
OM growth 5Y2.96%
PM growth 3Y-8.85%
PM growth 5Y5.2%
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.
- The number of shares outstanding for L has been reduced compared to 5 years ago.
- The debt/assets ratio for L has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of L is 3.11, which is a good value as it means it would take L, 3.11 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 3.11, L is in line with its industry, outperforming 48.99% of the companies in the same industry.
- A Debt/Equity ratio of 0.46 indicates that L is not too dependend on debt financing.
- L has a worse Debt to Equity ratio (0.46) than 63.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 3.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC7.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- L shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.37%.
- Measured over the past years, L shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.42% on average per year.
- The Revenue has been growing slightly by 6.33% in the past year.
- L shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.32% yearly.
EPS 1Y (TTM)-8.37%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%33.52%
Revenue 1Y (TTM)6.33%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%4.59%
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 correctly with a Price/Earnings ratio of 14.84.
- The rest of the industry has a similar Price/Earnings ratio as L.
- L's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.84 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- L's Enterprise Value to EBITDA ratio is in line with the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as L.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.96 | ||
| EV/EBITDA | 10.21 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.11
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a yearly dividend of 0.24%, L is not a good candidate for dividend investing.
- L's Dividend Yield is slightly below the industry average, which is at 2.53.
- With a Dividend Yield of 0.24, L pays less dividend than the S&P500 average, which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
5.2 History
- The dividend of L decreases each year by -0.02%.
- 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)-0.02%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
- L pays out 3.58% of its income as dividend. This is a sustainable payout ratio.
DP3.58%
EPS Next 2YN/A
EPS Next 3YN/A
102.38
+0.08 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03 2025-11-03/bmo
Earnings (Next)02-09 2026-02-09
Inst Owners60.51%
Inst Owner Change0.12%
Ins Owners14.94%
Ins Owner Change0.11%
Market Cap21.16B
Revenue(TTM)18.31B
Net Income(TTM)1.45B
Analysts42.86
Price TargetN/A
Short Float %1.81%
Short Ratio3.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
Yearly Dividend0.25
Dividend Growth(5Y)-0.02%
DP3.58%
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 | 14.84 | ||
| Fwd PE | N/A | ||
| P/S | 1.16 | ||
| P/FCF | 6.96 | ||
| P/OCF | 5.87 | ||
| P/B | 1.16 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | 10.21 |
EPS(TTM)6.9
EY6.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)14.72
FCFY14.37%
OCF(TTM)17.43
OCFY17.03%
SpS88.61
BVpS88.51
TBVpS86.82
PEG (NY)N/A
PEG (5Y)1.11
Graham Number117.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.69% | ||
| ROE | 7.94% | ||
| ROCE | 2.78% | ||
| ROIC | 2.18% | ||
| ROICexc | 2.2% | ||
| ROICexgc | 2.32% | ||
| OM | 12.88% | ||
| PM (TTM) | 7.93% | ||
| GM | N/A | ||
| FCFM | 16.61% |
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.18%
ROICexgc(5y)N/A
ROCE(3y)2.61%
ROCE(5y)N/A
ROICexgc growth 3Y-3.69%
ROICexgc growth 5Y6.65%
ROICexc growth 3Y-4.01%
ROICexc growth 5Y6.41%
OM growth 3Y-9.39%
OM growth 5Y2.96%
PM growth 3Y-8.85%
PM growth 5Y5.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 3.11 | ||
| Debt/EBITDA | 2.87 | ||
| Cap/Depr | 96.4% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 122.51% | ||
| Profit Quality | 209.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.38%
ROIC/WACC0.3
Cap/Depr(3y)121.86%
Cap/Depr(5y)111.18%
Cap/Sales(3y)4.18%
Cap/Sales(5y)4.28%
Profit Quality(3y)238.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.37%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%33.52%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%4.59%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.09%
EBIT growth 3Y-3.83%
EBIT growth 5Y6.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.66%
FCF growth 3Y3.78%
FCF growth 5Y27.87%
OCF growth 1Y-11.08%
OCF growth 3Y4.87%
OCF growth 5Y11.68%
LOEWS CORP / L FAQ
What is the fundamental rating for L stock?
ChartMill assigns a fundamental rating of 3 / 10 to L.
Can you provide the valuation status for LOEWS CORP?
ChartMill assigns a valuation rating of 2 / 10 to LOEWS CORP (L). This can be considered as Overvalued.
Can you provide the profitability details for LOEWS CORP?
LOEWS CORP (L) has a profitability rating of 4 / 10.
Can you provide the dividend sustainability for L stock?
The dividend rating of LOEWS CORP (L) is 4 / 10 and the dividend payout ratio is 3.58%.