LOEWS CORP(NYSE:L) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, L scores 3 out of 10 in our fundamental rating. L was compared to 143 industry peers in the Insurance industry. There are concerns on the financial health of L while its profitability can be described as average. L has a expensive valuation and it also scores bad on growth.

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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.

Of the past 5 years L 4 years were profitable.

L had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.73%, L is in line with its industry, outperforming 46.85% of the companies in the same industry.

The Return On Equity of L (8.29%) is comparable to the rest of the industry.

Looking at the Return On Invested Capital, with a value of 2.20%, L is in line with its industry, outperforming 51.05% of the companies in the same industry.

L had an Average Return On Invested Capital over the past 3 years of 2.05%. This is below the industry average of 4.47%.

The 3 year average ROIC (2.05%) for L is below the current ROIC(2.20%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	1.73%
ROE	8.29%
ROIC	2.2%

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

L's Profit Margin of 8.06% is in line compared to the rest of the industry. L outperforms 53.85% of its industry peers.

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

Looking at the Operating Margin, with a value of 13.10%, L is in the better half of the industry, outperforming 60.14% of the companies in the same industry.

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

		Industry Rank	Sector Rank
OM	13.1%
PM (TTM)	8.06%
GM	N/A

OM growth 3Y-9.37%

OM growth 5Y2.26%

PM growth 3Y-8.83%

PM growth 5Y5.3%

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.

L has less shares outstanding than it did 5 years ago.

L has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of L is 3.74, which is a good value as it means it would take L, 3.74 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of L (3.74) is worse than 61.54% of its industry peers.

A Debt/Equity ratio of 0.52 indicates that L is somewhat dependend on debt financing.

L's Debt to Equity ratio of 0.52 is on the low side compared to the rest of the industry. L is outperformed by 68.53% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.74
Altman-Z	N/A

ROIC/WACC0.3

WACC7.27%

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 small growth in Earnings Per Share. In the last year, the EPS has grown by 1.59%.

The Earnings Per Share has been growing by 13.42% on average over the past years. This is quite good.

The Revenue has grown by 10.58% 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 3.23% on average per year.

EPS 1Y (TTM)1.59%

EPS 3Y2.22%

EPS 5Y13.42%

EPS Q2Q%-56.78%

Revenue 1Y (TTM)10.58%

Revenue growth 3Y6.11%

Revenue growth 5Y3.23%

Sales Q2Q%6.76%

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

L is valuated correctly with a Price/Earnings ratio of 13.47.

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

L's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

		Industry Rank	Sector Rank
PE	13.47
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of L is on the same level as its industry peers.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of L indicates a somewhat cheap valuation: L is cheaper than 60.14% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.58
EV/EBITDA	9.21

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1

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 3.28, L is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.51, L's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.29%

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

3.89% of the earnings are spent on dividend by L. This is a low number and sustainable payout ratio.

DP3.89%

EPS Next 2YN/A

EPS Next 3YN/A

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LOEWS CORP

NYSE:L (4/24/2025, 8:21:56 PM)

Premarket: 85.8 -0.44 (-0.51%)

86.24

+0.1 (+0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-10 2025-02-10/bmo

Earnings (Next)05-05 2025-05-05

Inst Owners60.2%

Inst Owner Change0.36%

Ins Owners15.04%

Ins Owner Change0.58%

Market Cap18.14B

Analysts42.86

Price TargetN/A

Short Float %1.32%

Short Ratio2.66

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.29%

Yearly Dividend0.25

Dividend Growth(5Y)-0.02%

DP3.89%

Div Incr Years0

Div Non Decr Years10

Ex-Date02-26 2025-02-26 (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 Rank	Sector Rank
PE	13.47
Fwd PE	N/A
P/S	1.03
P/FCF	7.58
P/OCF	6
P/B	1.06
P/tB	1.08
EV/EBITDA	9.21

EPS(TTM)6.4

EY7.42%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)11.38

FCFY13.19%

OCF(TTM)14.38

OCFY16.68%

SpS83.45

BVpS81.14

TBVpS79.49

PEG (NY)N/A

PEG (5Y)1

Profitability

		Industry Rank	Sector Rank
ROA	1.73%
ROE	8.29%
ROCE	2.81%
ROIC	2.2%
ROICexc	2.22%
ROICexgc	2.35%
OM	13.1%
PM (TTM)	8.06%
GM	N/A
FCFM	13.63%

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 5Y5.84%

ROICexc growth 3Y-4.01%

ROICexc growth 5Y5.6%

OM growth 3Y-9.37%

OM growth 5Y2.26%

PM growth 3Y-8.83%

PM growth 5Y5.3%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.21

Health

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.74
Debt/EBITDA	3.1
Cap/Depr	108.41%
Cap/Sales	3.6%
Interest Coverage	5.45
Cash Conversion	104.96%
Profit Quality	169.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.27%

ROIC/WACC0.3

Cap/Depr(3y)121.86%

Cap/Depr(5y)111.18%

Cap/Sales(3y)4.2%

Cap/Sales(5y)4.29%

Profit Quality(3y)238.91%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1.59%

EPS 3Y2.22%

EPS 5Y13.42%

EPS Q2Q%-56.78%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.58%

Revenue growth 3Y6.11%

Revenue growth 5Y3.23%

Sales Q2Q%6.76%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y1.01%

EBIT growth 3Y-3.83%

EBIT growth 5Y5.56%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-25.71%

FCF growth 3Y3.78%

FCF growth 5Y27.87%

OCF growth 1Y-22.57%

OCF growth 3Y4.87%

OCF growth 5Y11.68%

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