EVEREST GROUP LTD (EG) Stock Fundamental Analysis
NYSE:EG - New York Stock Exchange, Inc. - BMG3223R1088 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to EG. EG was compared to 143 industry peers in the Insurance industry. EG may be in some trouble as it scores bad on both profitability and health. EG has a correct valuation and a medium growth rate. Finally EG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EG had positive earnings in the past year.
In the past year EG had a positive cash flow from operations.
Each year in the past 5 years EG has been profitable.
EG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EG's Return On Assets of 1.45% is in line compared to the rest of the industry. EG outperforms 47.55% of its industry peers.
Looking at the Return On Equity, with a value of 5.95%, EG is doing worse than 70.63% of the companies in the same industry.
EG's Return On Invested Capital of 1.44% is in line compared to the rest of the industry. EG outperforms 43.36% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EG is in line with the industry average of 4.08%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 5.95% | ||
| ROIC | 1.44% |
ROA(3y)2.97%
ROA(5y)2.81%
ROE(3y)11.87%
ROE(5y)10.85%
ROIC(3y)2.76%
ROIC(5y)2.88%
1.3 Margins
EG has a Profit Margin of 4.83%. This is in the lower half of the industry: EG underperforms 60.14% of its industry peers.
EG's Profit Margin has declined in the last couple of years.
EG's Operating Margin of 6.09% is on the low side compared to the rest of the industry. EG is outperformed by 69.23% of its industry peers.
In the last couple of years the Operating Margin of EG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.09% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-11.27%
OM growth 5Y-7.38%
PM growth 3Y-11.84%
PM growth 5Y-8.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EG has less shares outstanding than it did 1 year ago.
EG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EG has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of EG is 0.75, which is an excellent value as it means it would take EG, only 0.75 years of fcf income to pay off all of its debts.
EG's Debt to FCF ratio of 0.75 is fine compared to the rest of the industry. EG outperforms 74.13% of its industry peers.
EG has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
EG has a Debt to Equity ratio of 0.25. This is in the better half of the industry: EG outperforms 65.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EG have decreased strongly by -66.06% in the last year.
EG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.61% yearly.
The Revenue has grown by 12.76% in the past year. This is quite good.
EG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.93% yearly.
EPS 1Y (TTM)-66.06%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-60.48%
Revenue 1Y (TTM)12.76%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-6.84%
3.2 Future
The Earnings Per Share is expected to grow by 34.72% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 4.11% on average over the next years.
EPS Next Y60.93%
EPS Next 2Y46.67%
EPS Next 3Y34.72%
EPS Next 5YN/A
Revenue Next Year3.07%
Revenue Next 2Y3.56%
Revenue Next 3Y4.11%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
EG is valuated rather expensively with a Price/Earnings ratio of 17.20.
EG's Price/Earnings ratio is a bit more expensive when compared to the industry. EG is more expensive than 61.54% of the companies in the same industry.
EG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
The Price/Forward Earnings ratio is 5.31, which indicates a rather cheap valuation of EG.
79.72% of the companies in the same industry are more expensive than EG, based on the Price/Forward Earnings ratio.
EG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 5.31 |
4.2 Price Multiples
82.52% of the companies in the same industry are more expensive than EG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EG's earnings are expected to grow with 34.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)2.6
EPS Next 2Y46.67%
EPS Next 3Y34.72%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.40%.
Compared to an average industry Dividend Yield of 3.38, EG pays a bit more dividend than its industry peers.
EG's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
5.2 History
The dividend of EG is nicely growing with an annual growth rate of 6.23%!
EG has been paying a dividend for at least 10 years, so it has a reliable track record.
EG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.23%
Div Incr Years3
Div Non Decr Years23
5.3 Sustainability
EG pays out 40.78% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of EG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.78%
EPS Next 2Y46.67%
EPS Next 3Y34.72%
335.87
-1.15 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.44%
Inst Owner ChangeN/A
Ins Owners1.41%
Ins Owner Change4.84%
Market Cap14.28B
Analysts80
Price Target405.92 (20.86%)
Short Float %2.13%
Short Ratio2.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend7.73
Dividend Growth(5Y)6.23%
DP40.78%
Div Incr Years3
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.14%
Min EPS beat(2)-17.8%
Max EPS beat(2)-14.48%
EPS beat(4)1
Avg EPS beat(4)-3.63%
Min EPS beat(4)-17.8%
Max EPS beat(4)19.15%
EPS beat(8)3
Avg EPS beat(8)2.43%
EPS beat(12)6
Avg EPS beat(12)4.49%
EPS beat(16)8
Avg EPS beat(16)6.27%
Revenue beat(2)0
Avg Revenue beat(2)-3.83%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)-2.89%
Revenue beat(4)0
Avg Revenue beat(4)-6.31%
Min Revenue beat(4)-10.84%
Max Revenue beat(4)-2.89%
Revenue beat(8)1
Avg Revenue beat(8)-5.03%
Revenue beat(12)3
Avg Revenue beat(12)-3.67%
Revenue beat(16)7
Avg Revenue beat(16)0.15%
PT rev (1m)0.65%
PT rev (3m)-1.1%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)-4.64%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-5.03%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)-0.58%
Revenue NY rev (3m)-1.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.2 | ||
| Fwd PE | 5.31 | ||
| P/S | 0.82 | ||
| P/FCF | 2.99 | ||
| P/OCF | 2.99 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.53
EY5.81%
EPS(NY)63.24
Fwd EY18.83%
FCF(TTM)112.46
FCFY33.48%
OCF(TTM)112.46
OCFY33.48%
SpS409.38
BVpS332.47
TBVpS332.47
PEG (NY)0.28
PEG (5Y)2.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 5.95% | ||
| ROCE | 1.83% | ||
| ROIC | 1.44% | ||
| ROICexc | 1.48% | ||
| ROICexgc | 1.7% | ||
| OM | 6.09% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A | ||
| FCFM | 27.47% |
ROA(3y)2.97%
ROA(5y)2.81%
ROE(3y)11.87%
ROE(5y)10.85%
ROIC(3y)2.76%
ROIC(5y)2.88%
ROICexc(3y)2.85%
ROICexc(5y)2.97%
ROICexgc(3y)3.23%
ROICexgc(5y)3.37%
ROCE(3y)3.49%
ROCE(5y)3.65%
ROICexcg growth 3Y-11.77%
ROICexcg growth 5Y-7.25%
ROICexc growth 3Y-12%
ROICexc growth 5Y-7.2%
OM growth 3Y-11.27%
OM growth 5Y-7.38%
PM growth 3Y-11.84%
PM growth 5Y-8.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 7.21 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 568.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)391.86%
Profit Quality(5y)404.58%
High Growth Momentum
Growth
EPS 1Y (TTM)-66.06%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-60.48%
EPS Next Y60.93%
EPS Next 2Y46.67%
EPS Next 3Y34.72%
EPS Next 5YN/A
Revenue 1Y (TTM)12.76%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-6.84%
Revenue Next Year3.07%
Revenue Next 2Y3.56%
Revenue Next 3Y4.11%
Revenue Next 5YN/A
EBIT growth 1Y-61.09%
EBIT growth 3Y0.57%
EBIT growth 5Y7.37%
EBIT Next Year11.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.21%
FCF growth 3Y8.95%
FCF growth 5Y21.76%
OCF growth 1Y22.21%
OCF growth 3Y8.95%
OCF growth 5Y21.76%