EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - NYSE:EG - BMG3223R1088 - Common Stock
336.18 USD
+5.55 (+1.68%)
EG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. EG has a bad profitability rating. Also its financial health evaluation is rather negative. EG scores decently on growth, while it is valued quite cheap. This could make an interesting combination. EG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EG had positive earnings in the past year.
EG had a positive operating cash flow in the past year.
EG had positive earnings in each of the past 5 years.
EG 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 1.32%, EG is in line with its industry, outperforming 46.58% of the companies in the same industry.
EG has a Return On Equity of 5.31%. This is in the lower half of the industry: EG underperforms 69.86% of its industry peers.
EG has a Return On Invested Capital (1.35%) which is in line with 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 4.47%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 5.31% | ||
| ROIC | 1.35% |
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
With a Profit Margin value of 4.52%, EG is not doing good in the industry: 64.38% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of EG has declined.
EG has a Operating Margin of 5.85%. This is in the lower half of the industry: EG underperforms 71.92% of its industry peers.
In the last couple of years the Operating Margin of EG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.85% | ||
| PM (TTM) | 4.52% | ||
| 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
The number of shares outstanding for EG has been reduced compared to 1 year ago.
Compared to 5 years ago, EG has more shares outstanding
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 0.79, which is an excellent value as it means it would take EG, only 0.79 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of EG (0.79) is better than 75.34% of its industry peers.
EG has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.24, EG is in the better half of the industry, outperforming 64.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.79 | ||
| 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 -66.14% 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.
Looking at the last year, EG shows a quite strong growth in Revenue. The Revenue has grown by 10.20% in the last year.
The Revenue has been growing by 15.93% on average over the past years. This is quite good.
EPS 1Y (TTM)-66.14%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%3.03%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%8.07%
3.2 Future
Based on estimates for the next years, EG will show a very strong growth in Earnings Per Share. The EPS will grow by 34.76% on average per year.
Based on estimates for the next years, EG will show a small growth in Revenue. The Revenue will grow by 3.91% on average per year.
EPS Next Y66.09%
EPS Next 2Y46.74%
EPS Next 3Y34.76%
EPS Next 5YN/A
Revenue Next Year3.71%
Revenue Next 2Y3.7%
Revenue Next 3Y3.91%
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 correctly with a Price/Earnings ratio of 16.78.
Based on the Price/Earnings ratio, EG is valued a bit more expensive than the industry average as 60.27% of the companies are valued more cheaply.
EG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.20.
With a Price/Forward Earnings ratio of 5.31, the valuation of EG can be described as very cheap.
EG's Price/Forward Earnings ratio is rather cheap when compared to the industry. EG is cheaper than 81.51% of the companies in the same industry.
EG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.78 | ||
| Fwd PE | 5.31 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EG indicates a rather cheap valuation: EG is cheaper than 81.51% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EG's 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 34.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)2.54
EPS Next 2Y46.74%
EPS Next 3Y34.76%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.30%.
Compared to an average industry Dividend Yield of 3.43, EG pays a bit more dividend than its industry peers.
EG's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
On average, the dividend of EG grows each year by 6.23%, which is quite nice.
EG has paid a dividend for at least 10 years, which is a reliable track record.
EG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.23%
Div Incr Years3
Div Non Decr Years23
5.3 Sustainability
EG pays out 42.61% 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.
DP42.61%
EPS Next 2Y46.74%
EPS Next 3Y34.76%
NYSE:EG (9/17/2025, 1:30:26 PM)
336.18
+5.55 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.91%
Inst Owner ChangeN/A
Ins Owners1.41%
Ins Owner Change0.76%
Market Cap14.10B
Analysts79.13
Price Target402.8 (19.82%)
Short Float %1.91%
Short Ratio2.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend7.73
Dividend Growth(5Y)6.23%
DP42.61%
Div Incr Years3
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.65%
Min EPS beat(2)-17.8%
Max EPS beat(2)12.5%
EPS beat(4)2
Avg EPS beat(4)-0.16%
Min EPS beat(4)-17.8%
Max EPS beat(4)19.15%
EPS beat(8)3
Avg EPS beat(8)0.63%
EPS beat(12)6
Avg EPS beat(12)4.04%
EPS beat(16)8
Avg EPS beat(16)3.06%
Revenue beat(2)1
Avg Revenue beat(2)-2.07%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)0.63%
Revenue beat(4)1
Avg Revenue beat(4)-3.44%
Min Revenue beat(4)-6.71%
Max Revenue beat(4)0.63%
Revenue beat(8)2
Avg Revenue beat(8)-3.86%
Revenue beat(12)4
Avg Revenue beat(12)-3.53%
Revenue beat(16)7
Avg Revenue beat(16)-1.39%
PT rev (1m)-0.46%
PT rev (3m)-0.12%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)3.21%
EPS NY rev (3m)3.36%
Revenue NQ rev (1m)-3.04%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0.62%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.78 | ||
| Fwd PE | 5.31 | ||
| P/S | 0.8 | ||
| P/FCF | 3.12 | ||
| P/OCF | 3.12 | ||
| P/B | 0.94 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.04
EY5.96%
EPS(NY)63.3
Fwd EY18.83%
FCF(TTM)107.85
FCFY32.08%
OCF(TTM)107.85
OCFY32.08%
SpS421.2
BVpS358.11
TBVpS358.11
PEG (NY)0.25
PEG (5Y)2.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 5.31% | ||
| ROCE | 1.71% | ||
| ROIC | 1.35% | ||
| ROICexc | 1.4% | ||
| ROICexgc | 1.6% | ||
| OM | 5.85% | ||
| PM (TTM) | 4.52% | ||
| GM | N/A | ||
| FCFM | 25.6% |
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 Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.99 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 566.79% | ||
| 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)-66.14%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%3.03%
EPS Next Y66.09%
EPS Next 2Y46.74%
EPS Next 3Y34.76%
EPS Next 5YN/A
Revenue 1Y (TTM)10.2%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%8.07%
Revenue Next Year3.71%
Revenue Next 2Y3.7%
Revenue Next 3Y3.91%
Revenue Next 5YN/A
EBIT growth 1Y-63.39%
EBIT growth 3Y0.57%
EBIT growth 5Y7.37%
EBIT Next Year18.53%
EBIT Next 3Y21.23%
EBIT Next 5YN/A
FCF growth 1Y5.38%
FCF growth 3Y8.95%
FCF growth 5Y21.76%
OCF growth 1Y5.38%
OCF growth 3Y8.95%
OCF growth 5Y21.76%