EVEREST GROUP LTD (EG) Stock Fundamental Analysis
NYSE:EG - New York Stock Exchange, Inc. - BMG3223R1088 - Common Stock - Currency: USD
EG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. EG has a bad profitability rating. Also its financial health evaluation is rather negative. EG has a decent growth rate and is not valued too expensively. Finally EG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year EG was profitable.
In the past year EG had a positive cash flow from operations.
In the past 5 years EG has always been profitable.
In the past 5 years EG always reported a positive cash flow from operatings.
1.2 Ratios
EG has a Return On Assets (1.45%) which is comparable to the rest of the industry.
The Return On Equity of EG (5.95%) is worse than 71.53% of its industry peers.
EG has a Return On Invested Capital (1.44%) which is in line with its industry peers.
EG had an Average Return On Invested Capital over the past 3 years of 2.76%. This is in line with the industry average of 4.07%.
| 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 worse Profit Margin (4.83%) than 61.11% of its industry peers.
In the last couple of years the Profit Margin of EG has declined.
EG's Operating Margin of 6.09% is on the low side compared to the rest of the industry. EG is outperformed by 70.14% 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
Compared to 1 year ago, EG has less shares outstanding
The number of shares outstanding for EG has been increased compared to 5 years ago.
Compared to 1 year ago, EG has an improved debt to assets ratio.
2.2 Solvency
EG has a debt to FCF ratio of 0.75. This is a very positive value and a sign of high solvency as it would only need 0.75 years to pay back of all of its debts.
EG's Debt to FCF ratio of 0.75 is fine compared to the rest of the industry. EG outperforms 74.31% 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.
The Debt to Equity ratio of EG (0.25) is better than 65.97% 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.
The Earnings Per Share has been growing slightly by 6.61% on average over the past years.
Looking at the last year, EG shows a quite strong growth in Revenue. The Revenue has grown by 12.76% in the last year.
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
Based on estimates for the next years, EG will show a very strong growth in Earnings Per Share. The EPS will grow by 34.72% on average per year.
EG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.11% yearly.
EPS Next Y60.55%
EPS Next 2Y46.85%
EPS Next 3Y34.72%
EPS Next 5YN/A
Revenue Next Year3.67%
Revenue Next 2Y3.71%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.27 indicates a rather expensive valuation of EG.
EG's Price/Earnings is on the same level as the industry average.
EG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
The Price/Forward Earnings ratio is 5.32, which indicates a rather cheap valuation of EG.
EG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EG is cheaper than 78.47% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. EG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.27 | ||
| Fwd PE | 5.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EG is valued cheaply inside the industry as 82.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3 | ||
| 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)0.29
PEG (5Y)2.61
EPS Next 2Y46.85%
EPS Next 3Y34.72%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.40%.
EG's Dividend Yield is a higher than the industry average which is at 3.51.
EG's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
5.2 History
On average, the dividend of EG grows each year by 6.23%, which is quite nice.
EG has been paying a dividend for at least 10 years, so it has 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 40.78% of its income as dividend. This is a bit on the high side, but may be sustainable.
EG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.78%
EPS Next 2Y46.85%
EPS Next 3Y34.72%
337.3
+4.4 (+1.32%)
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 Change4.49%
Market Cap14.35B
Analysts79.09
Price Target403.28 (19.56%)
Short Float %1.64%
Short Ratio1.68
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)-0.04%
PT rev (3m)-1.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.38%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-6.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.27 | ||
| Fwd PE | 5.32 | ||
| P/S | 0.82 | ||
| P/FCF | 3 | ||
| P/OCF | 3 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.53
EY5.79%
EPS(NY)63.4
Fwd EY18.8%
FCF(TTM)112.46
FCFY33.34%
OCF(TTM)112.46
OCFY33.34%
SpS409.38
BVpS332.47
TBVpS332.47
PEG (NY)0.29
PEG (5Y)2.61
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 Y60.55%
EPS Next 2Y46.85%
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 Year3.67%
Revenue Next 2Y3.71%
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%