L Fundamental Analysis - LOEWS CORP

Fundamental Rating

Overall L gets a fundamental rating of 3 out of 10. We evaluated L against 146 industry peers in the Insurance industry. L has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.

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.

1.2 Ratios

With a Return On Assets value of 1.59%, L perfoms like the industry average, outperforming 47.26% of the companies in the same industry.

The Return On Equity of L (7.70%) is worse than 61.64% of its industry peers.

The Return On Invested Capital of L (2.11%) is comparable to the rest of the industry.

Measured over the past 3 years, the Average Return On Invested Capital for L is below the industry average of 4.47%.

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 Rank	Sector Rank
ROA	1.59%
ROE	7.7%
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

1.3 Margins

With a Profit Margin value of 7.45%, L perfoms like the industry average, outperforming 52.74% of the companies in the same industry.

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

L has a Operating Margin (12.42%) which is in line with its industry peers.

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

		Industry Rank	Sector Rank
OM	12.42%
PM (TTM)	7.45%
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

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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.

Compared to 1 year ago, L has less shares outstanding

L has less shares outstanding than it did 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 2.91, which is a good value as it means it would take L, 2.91 years of fcf income to pay off all of its debts.

L has a Debt to FCF ratio (2.91) which is comparable to the rest of the industry.

A Debt/Equity ratio of 0.45 indicates that L is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.45, L is not doing good in the industry: 63.01% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.45
Debt/FCF	2.91
Altman-Z	N/A

ROIC/WACC0.29

WACC7.16%

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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.91%.

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 8.45% in the past year. This is quite good.

L shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.32% yearly.

EPS 1Y (TTM)-7.91%

EPS 3Y2.23%

EPS 5Y13.42%

EPS Q2Q%11.98%

Revenue 1Y (TTM)8.45%

Revenue growth 3Y6.13%

Revenue growth 5Y3.32%

Sales Q2Q%6.75%

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

Based on the Price/Earnings ratio of 15.43, the valuation of L can be described as correct.

L's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 27.41. L is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	15.43
Fwd PE	N/A

4.2 Price Multiples

L's Enterprise Value to EBITDA is on the same level as the industry average.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of L indicates a somewhat cheap valuation: L is cheaper than 66.44% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.55
EV/EBITDA	10.11

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.15

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.25%, L is not a good candidate for dividend investing.

L's Dividend Yield is slightly below the industry average, which is at 3.43.

Compared to an average S&P500 Dividend Yield of 2.38, L's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.25%

5.2 History

The dividend of L decreases each year by -0.02%.

L has paid a dividend for at least 10 years, which is a reliable track record.

L has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-0.02%

Div Incr Years0

Div Non Decr Years10

5.3 Sustainability

L pays out 3.93% of its income as dividend. This is a sustainable payout ratio.

DP3.93%

EPS Next 2YN/A

EPS Next 3YN/A

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LOEWS CORP

NYSE:L (9/18/2025, 8:04:00 PM)

After market: 97.04 0 (0%)

97.04

+0.25 (+0.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-04 2025-08-04/bmo

Earnings (Next)11-03 2025-11-03

Inst Owners59.29%

Inst Owner Change-4.38%

Ins Owners14.77%

Ins Owner Change-19.35%

Market Cap20.13B

Analysts42.86

Price TargetN/A

Short Float %1.3%

Short Ratio2.87

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.25%

Yearly Dividend0.25

Dividend Growth(5Y)-0.02%

DP3.93%

Div Incr Years0

Div Non Decr Years10

Ex-Date08-20 2025-08-20 (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	15.43
Fwd PE	N/A
P/S	1.11
P/FCF	6.55
P/OCF	5.57
P/B	1.15
P/tB	1.17
EV/EBITDA	10.11

EPS(TTM)6.29

EY6.48%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)14.81

FCFY15.26%

OCF(TTM)17.44

OCFY17.97%

SpS87.28

BVpS84.43

TBVpS82.75

PEG (NY)N/A

PEG (5Y)1.15

Profitability

		Industry Rank	Sector Rank
ROA	1.59%
ROE	7.7%
ROCE	2.69%
ROIC	2.11%
ROICexc	2.12%
ROICexgc	2.25%
OM	12.42%
PM (TTM)	7.45%
GM	N/A
FCFM	16.96%

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 Rank	Sector Rank
Debt/Equity	0.45
Debt/FCF	2.91
Debt/EBITDA	2.8
Cap/Depr	93.65%
Cap/Sales	3.02%
Interest Coverage	250
Cash Conversion	127.72%
Profit Quality	227.65%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC7.16%

ROIC/WACC0.29

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)-7.91%

EPS 3Y2.23%

EPS 5Y13.42%

EPS Q2Q%11.98%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.45%

Revenue growth 3Y6.13%

Revenue growth 5Y3.32%

Sales Q2Q%6.75%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-6.99%

EBIT growth 3Y-3.83%

EBIT growth 5Y6.37%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-8.98%

FCF growth 3Y3.78%

FCF growth 5Y27.87%

OCF growth 1Y-10.05%

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