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MARKEL GROUP INC (MKL) Stock Fundamental Analysis

NYSE:MKL - New York Stock Exchange, Inc. - US5705351048 - Common Stock - Currency: USD

1977.2  -16.96 (-0.85%)

After market: 1977.2 0 (0%)

Fundamental Rating

4

Taking everything into account, MKL scores 4 out of 10 in our fundamental rating. MKL was compared to 145 industry peers in the Insurance industry. There are concerns on the financial health of MKL while its profitability can be described as average. MKL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year MKL was profitable.
In the past year MKL had a positive cash flow from operations.
MKL had positive earnings in 4 of the past 5 years.
In the past 5 years MKL always reported a positive cash flow from operatings.
MKL Yearly Net Income VS EBIT VS OCF VS FCFMKL 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

1.2 Ratios

The Return On Assets of MKL (2.73%) is better than 64.14% of its industry peers.
The Return On Equity of MKL (10.27%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.73%
ROE 10.27%
ROIC N/A
ROA(3y)2.38%
ROA(5y)2.8%
ROE(3y)8.69%
ROE(5y)9.72%
ROIC(3y)N/A
ROIC(5y)N/A
MKL Yearly ROA, ROE, ROICMKL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

MKL has a better Profit Margin (11.33%) than 71.03% of its industry peers.
MKL's Profit Margin has declined in the last couple of years.
The Operating Margin of MKL (17.10%) is better than 73.10% of its industry peers.
MKL's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.1%
PM (TTM) 11.33%
GM N/A
OM growth 3Y-3.99%
OM growth 5Y-3%
PM growth 3Y-6.22%
PM growth 5Y-3.63%
GM growth 3YN/A
GM growth 5YN/A
MKL Yearly Profit, Operating, Gross MarginsMKL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

MKL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MKL has been reduced compared to 1 year ago.
The number of shares outstanding for MKL has been reduced compared to 5 years ago.
MKL has a worse debt/assets ratio than last year.
MKL Yearly Shares OutstandingMKL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MKL Yearly Total Debt VS Total AssetsMKL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

MKL has a debt to FCF ratio of 2.08. This is a good value and a sign of high solvency as MKL would need 2.08 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.08, MKL perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that MKL is not too dependend on debt financing.
MKL's Debt to Equity ratio of 0.26 is fine compared to the rest of the industry. MKL outperforms 64.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.08
Altman-Z N/A
ROIC/WACCN/A
WACC8.27%
MKL Yearly LT Debt VS Equity VS FCFMKL 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
MKL Yearly Current Assets VS Current LiabilitesMKL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2022 2023 2024 200M 400M 600M 800M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 47.40% over the past year.
The Earnings Per Share has been growing by 13.39% on average over the past years. This is quite good.
Looking at the last year, MKL shows a decrease in Revenue. The Revenue has decreased by -6.46% in the last year.
Measured over the past years, MKL shows a quite strong growth in Revenue. The Revenue has been growing by 11.78% on average per year.
EPS 1Y (TTM)47.4%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%12.01%
Revenue 1Y (TTM)-6.46%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%-23.9%

3.2 Future

MKL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.92% yearly.
MKL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y36.12%
EPS Next 2Y21.91%
EPS Next 3Y16.05%
EPS Next 5Y11.92%
Revenue Next Year-6.91%
Revenue Next 2Y-0.88%
Revenue Next 3Y2.11%
Revenue Next 5Y3.06%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MKL Yearly Revenue VS EstimatesMKL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
MKL Yearly EPS VS EstimatesMKL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 50 -50 100

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 26.19, which means the current valuation is very expensive for MKL.
Based on the Price/Earnings ratio, MKL is valued a bit more expensive than 73.10% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, MKL is valued at the same level.
MKL is valuated rather expensively with a Price/Forward Earnings ratio of 18.22.
Based on the Price/Forward Earnings ratio, MKL is valued a bit more expensive than the industry average as 68.28% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, MKL is valued at the same level.
Industry RankSector Rank
PE 26.19
Fwd PE 18.22
MKL Price Earnings VS Forward Price EarningsMKL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

62.76% of the companies in the same industry are more expensive than MKL, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MKL is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.85
EV/EBITDA 8.49
MKL Per share dataMKL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800 1K

4.3 Compensation for Growth

MKL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MKL's earnings are expected to grow with 16.05% in the coming years.
PEG (NY)0.73
PEG (5Y)1.96
EPS Next 2Y21.91%
EPS Next 3Y16.05%

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0

5. Dividend

5.1 Amount

MKL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MARKEL GROUP INC

NYSE:MKL (7/11/2025, 9:58:24 PM)

After market: 1977.2 0 (0%)

1977.2

-16.96 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners83.06%
Inst Owner Change0.09%
Ins Owners1.4%
Ins Owner Change1.48%
Market Cap25.07B
Analysts51.43
Price Target1980.33 (0.16%)
Short Float %1.29%
Short Ratio2.81
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend2.78
Dividend Growth(5Y)N/A
DP2.04%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)45.79%
Min EPS beat(2)36.52%
Max EPS beat(2)55.06%
EPS beat(4)3
Avg EPS beat(4)-0.91%
Min EPS beat(4)-119.59%
Max EPS beat(4)55.06%
EPS beat(8)6
Avg EPS beat(8)-14.59%
EPS beat(12)9
Avg EPS beat(12)4.22%
EPS beat(16)13
Avg EPS beat(16)8.49%
Revenue beat(2)0
Avg Revenue beat(2)-4.29%
Min Revenue beat(2)-6.65%
Max Revenue beat(2)-1.93%
Revenue beat(4)0
Avg Revenue beat(4)-3.98%
Min Revenue beat(4)-6.65%
Max Revenue beat(4)-1.93%
Revenue beat(8)3
Avg Revenue beat(8)3.83%
Revenue beat(12)5
Avg Revenue beat(12)0.72%
Revenue beat(16)7
Avg Revenue beat(16)4.57%
PT rev (1m)1.97%
PT rev (3m)0.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.38%
EPS NY rev (1m)3.29%
EPS NY rev (3m)2.28%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.76%
Valuation
Industry RankSector Rank
PE 26.19
Fwd PE 18.22
P/S 1.61
P/FCF 11.85
P/OCF 10.72
P/B 1.46
P/tB 1.97
EV/EBITDA 8.49
EPS(TTM)75.5
EY3.82%
EPS(NY)108.53
Fwd EY5.49%
FCF(TTM)166.86
FCFY8.44%
OCF(TTM)184.51
OCFY9.33%
SpS1226.59
BVpS1352.41
TBVpS1004.82
PEG (NY)0.73
PEG (5Y)1.96
Profitability
Industry RankSector Rank
ROA 2.73%
ROE 10.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 17.1%
PM (TTM) 11.33%
GM N/A
FCFM 13.6%
ROA(3y)2.38%
ROA(5y)2.8%
ROE(3y)8.69%
ROE(5y)9.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-3.99%
OM growth 5Y-3%
PM growth 3Y-6.22%
PM growth 5Y-3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.08
Debt/EBITDA 1.46
Cap/Depr 65.36%
Cap/Sales 1.44%
Interest Coverage 250
Cash Conversion 77.94%
Profit Quality 120.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.27%
ROIC/WACCN/A
Cap/Depr(3y)81.13%
Cap/Depr(5y)63.91%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.4%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%12.01%
EPS Next Y36.12%
EPS Next 2Y21.91%
EPS Next 3Y16.05%
EPS Next 5Y11.92%
Revenue 1Y (TTM)-6.46%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%-23.9%
Revenue Next Year-6.91%
Revenue Next 2Y-0.88%
Revenue Next 3Y2.11%
Revenue Next 5Y3.06%
EBIT growth 1Y-24.25%
EBIT growth 3Y4.62%
EBIT growth 5Y8.42%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.52%
FCF growth 3Y3.19%
FCF growth 5Y15.24%
OCF growth 1Y-9.27%
OCF growth 3Y4.48%
OCF growth 5Y15.28%