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LOEWS CORP (L) Stock Fundamental Analysis

NYSE:L - New York Stock Exchange, Inc. - US5404241086 - Common Stock - Currency: USD

91.66  +1.26 (+1.39%)

After market: 91.66 0 (0%)

Fundamental Rating

3

Overall L gets a fundamental rating of 3 out of 10. We evaluated L against 144 industry peers in the Insurance industry. L has a medium profitability rating, but doesn't score so well on its financial health evaluation. L does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

L had positive earnings in the past year.
L had a positive operating cash flow in the past year.
L had positive earnings in 4 of the past 5 years.
Each year in the past 5 years L had a positive operating cash flow.
L Yearly Net Income VS EBIT VS OCF VS FCFL 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 2024 0 1B 2B 3B 4B

1.2 Ratios

L's Return On Assets of 1.60% is in line compared to the rest of the industry. L outperforms 47.92% of its industry peers.
L has a Return On Equity of 7.72%. This is comparable to the rest of the industry: L outperforms 40.28% of its industry peers.
L has a Return On Invested Capital (2.11%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for L is below the industry average of 4.07%.
The last Return On Invested Capital (2.11%) for L is above the 3 year average (2.05%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.6%
ROE 7.72%
ROIC 2.11%
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
L Yearly ROA, ROE, ROICL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

L has a Profit Margin of 7.44%. This is comparable to the rest of the industry: L outperforms 56.94% of its industry peers.
L's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 12.47%, L perfoms like the industry average, outperforming 59.72% of the companies in the same industry.
L's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.47%
PM (TTM) 7.44%
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
L Yearly Profit, Operating, Gross MarginsL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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3

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.
The number of shares outstanding for L has been reduced compared to 1 year ago.
L has less shares outstanding than it did 5 years ago.
L has a better debt/assets ratio than last year.
L Yearly Shares OutstandingL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
L Yearly Total Debt VS Total AssetsL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

L has a debt to FCF ratio of 2.99. This is a good value and a sign of high solvency as L would need 2.99 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.99, L perfoms like the industry average, outperforming 40.28% of the companies in the same industry.
L has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
L's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. L is outperformed by 63.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.99
Altman-Z N/A
ROIC/WACC0.24
WACC8.93%
L Yearly LT Debt VS Equity VS FCFL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
L Yearly Current Assets VS Current LiabilitesL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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2

3. Growth

3.1 Past

The earnings per share for L have decreased by -9.64% in the last year.
L shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.42% yearly.
Looking at the last year, L shows a quite strong growth in Revenue. The Revenue has grown by 8.89% in the last year.
The Revenue has been growing slightly by 3.32% on average over the past years.
EPS 1Y (TTM)-9.64%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%-15.12%
Revenue 1Y (TTM)8.89%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%6.22%

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.
L Yearly Revenue VS EstimatesL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
L Yearly EPS VS EstimatesL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2023 2024 2 4 6

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.05, L is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of L is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.15. L is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.05
Fwd PE N/A
L Price Earnings VS Forward Price EarningsL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as L.
Based on the Price/Free Cash Flow ratio, L is valued a bit cheaper than 64.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.42
EV/EBITDA 9.74
L Per share dataL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.12
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

L has a yearly dividend return of 0.28%, which is pretty low.
L's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.42, L's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.28%

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
L Yearly Dividends per shareL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

4.07% of the earnings are spent on dividend by L. This is a low number and sustainable payout ratio.
DP4.07%
EPS Next 2YN/A
EPS Next 3YN/A
L Yearly Income VS Free CF VS DividendL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B
L Dividend Payout.L Dividend Payout, showing the Payout Ratio.L Dividend Payout.PayoutRetained Earnings

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LOEWS CORP

NYSE:L (6/30/2025, 8:26:39 PM)

After market: 91.66 0 (0%)

91.66

+1.26 (+1.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-05 2025-05-05/bmo
Earnings (Next)07-28 2025-07-28
Inst Owners59.29%
Inst Owner Change-2.7%
Ins Owners14.74%
Ins Owner Change-20.34%
Market Cap19.22B
Analysts42.86
Price TargetN/A
Short Float %1.03%
Short Ratio2.33
Dividend
Industry RankSector Rank
Dividend Yield 0.28%
Yearly Dividend0.25
Dividend Growth(5Y)-0.02%
DP4.07%
Div Incr Years0
Div Non Decr Years10
Ex-Date05-28 2025-05-28 (0.0625)
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 RankSector Rank
PE 15.05
Fwd PE N/A
P/S 1.08
P/FCF 6.42
P/OCF 5.39
P/B 1.12
P/tB 1.14
EV/EBITDA 9.74
EPS(TTM)6.09
EY6.64%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)14.27
FCFY15.57%
OCF(TTM)16.99
OCFY18.54%
SpS85
BVpS81.98
TBVpS80.32
PEG (NY)N/A
PEG (5Y)1.12
Profitability
Industry RankSector Rank
ROA 1.6%
ROE 7.72%
ROCE 2.69%
ROIC 2.11%
ROICexc 2.13%
ROICexgc 2.26%
OM 12.47%
PM (TTM) 7.44%
GM N/A
FCFM 16.79%
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
ROICexcg growth 3Y-3.69%
ROICexcg 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 RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.99
Debt/EBITDA 3.01
Cap/Depr 97.94%
Cap/Sales 3.2%
Interest Coverage 250
Cash Conversion 126.98%
Profit Quality 225.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.93%
ROIC/WACC0.24
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)-9.64%
EPS 3Y2.23%
EPS 5Y13.42%
EPS Q2Q%-15.12%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.89%
Revenue growth 3Y6.13%
Revenue growth 5Y3.32%
Sales Q2Q%6.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.1%
EBIT growth 3Y-3.83%
EBIT growth 5Y6.37%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2.75%
FCF growth 3Y3.78%
FCF growth 5Y27.87%
OCF growth 1Y-1.3%
OCF growth 3Y4.87%
OCF growth 5Y11.68%