EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:EG - BMG3223R1088 - Common Stock
327.16 USD
+2.78 (+0.86%)
327.16 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EG. EG was compared to 147 industry peers in the Insurance industry. Both the profitability and financial health of EG have multiple concerns. EG has a correct valuation and a medium growth rate.
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.
In the past 5 years EG has always been profitable.
Each year in the past 5 years EG had a positive operating cash flow.
1.2 Ratios
EG has a worse Return On Assets (0.88%) than 64.63% of its industry peers.
The Return On Equity of EG (3.56%) is worse than 80.27% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.93%, EG is doing worse than 63.95% of the companies in the same industry.
EG had an Average Return On Invested Capital over the past 3 years of 2.76%. This is significantly below the industry average of 14.90%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 3.56% | ||
| ROIC | 0.93% |
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 3.09%, EG is not doing good in the industry: 76.87% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of EG has declined.
EG's Operating Margin of 4.13% is on the low side compared to the rest of the industry. EG is outperformed by 83.67% of its industry peers.
EG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.13% | ||
| PM (TTM) | 3.09% | ||
| 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.
Compared to 5 years ago, EG has more shares outstanding
EG has a better debt/assets ratio than last year.
2.2 Solvency
EG has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
EG's Debt to FCF ratio of 0.85 is fine compared to the rest of the industry. EG outperforms 73.47% of its industry peers.
EG has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.23, EG is doing good in the industry, outperforming 65.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.85 | ||
| 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
EG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.28%.
The Earnings Per Share has been growing slightly by 6.61% on average over the past years.
The Revenue has grown by 8.59% in the past year. This is quite good.
The Revenue has been growing by 15.93% on average over the past years. This is quite good.
EPS 1Y (TTM)-78.28%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-48.43%
Revenue 1Y (TTM)8.59%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
3.2 Future
The Earnings Per Share is expected to grow by 30.60% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -0.01% on average over the next years.
EPS Next Y55.62%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue Next Year2.39%
Revenue Next 2Y-0.77%
Revenue Next 3Y-0.01%
Revenue Next 5YN/A
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 accelerating.
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
EG is valuated quite expensively with a Price/Earnings ratio of 25.24.
EG's Price/Earnings ratio is a bit more expensive when compared to the industry. EG is more expensive than 76.19% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.76, EG is valued at the same level.
With a Price/Forward Earnings ratio of 5.68, the valuation of EG can be described as very cheap.
Based on the Price/Forward Earnings ratio, EG is valued cheaply inside the industry as 82.31% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.96. EG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.24 | ||
| Fwd PE | 5.68 |
4.2 Price Multiples
EG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EG is cheaper than 80.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.23 | ||
| 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.
A more expensive valuation may be justified as EG's earnings are expected to grow with 30.60% in the coming years.
PEG (NY)0.45
PEG (5Y)3.82
EPS Next 2Y39.96%
EPS Next 3Y30.6%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.55%. Purely for dividend investing, there may be better candidates out there.
EG's Dividend Yield is a higher than the industry average which is at 3.48.
Compared to an average S&P500 Dividend Yield of 2.31, EG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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
61.79% of the earnings are spent on dividend by EG. This is not a sustainable payout ratio.
EG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.79%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
327.16
+2.78 (+0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.01%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner Change1.25%
Market Cap13.73B
Revenue(TTM)17.70B
Net Income(TTM)547.00M
Analysts75.83
Price Target380.22 (16.22%)
Short Float %2.19%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend7.73
Dividend Growth(5Y)6.23%
DP61.79%
Div Incr Years3
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-18.31%
Min EPS beat(2)-49.12%
Max EPS beat(2)12.5%
EPS beat(4)1
Avg EPS beat(4)-17.23%
Min EPS beat(4)-49.12%
Max EPS beat(4)12.5%
EPS beat(8)2
Avg EPS beat(8)-9.19%
EPS beat(12)5
Avg EPS beat(12)-0.77%
EPS beat(16)8
Avg EPS beat(16)1.42%
Revenue beat(2)1
Avg Revenue beat(2)-3.29%
Min Revenue beat(2)-7.22%
Max Revenue beat(2)0.63%
Revenue beat(4)1
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-7.22%
Max Revenue beat(4)0.63%
Revenue beat(8)2
Avg Revenue beat(8)-4.12%
Revenue beat(12)3
Avg Revenue beat(12)-4.32%
Revenue beat(16)6
Avg Revenue beat(16)-2.29%
PT rev (1m)-4.1%
PT rev (3m)-5.37%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-11.5%
EPS NY rev (1m)-2.99%
EPS NY rev (3m)-6.3%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-1.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.24 | ||
| Fwd PE | 5.68 | ||
| P/S | 0.78 | ||
| P/FCF | 3.23 | ||
| P/OCF | 3.23 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.96
EY3.96%
EPS(NY)57.59
Fwd EY17.6%
FCF(TTM)101.14
FCFY30.92%
OCF(TTM)101.14
OCFY30.92%
SpS421.72
BVpS366.25
TBVpS366.25
PEG (NY)0.45
PEG (5Y)3.82
Graham Number326.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 3.56% | ||
| ROCE | 1.18% | ||
| ROIC | 0.93% | ||
| ROICexc | 0.95% | ||
| ROICexgc | 1.09% | ||
| OM | 4.13% | ||
| PM (TTM) | 3.09% | ||
| GM | N/A | ||
| FCFM | 23.98% |
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%
ROICexgc growth 3Y-11.77%
ROICexgc 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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.94 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 776.23% | ||
| 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)-78.28%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-48.43%
EPS Next Y55.62%
EPS Next 2Y39.96%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue 1Y (TTM)8.59%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
Revenue Next Year2.39%
Revenue Next 2Y-0.77%
Revenue Next 3Y-0.01%
Revenue Next 5YN/A
EBIT growth 1Y-72.51%
EBIT growth 3Y0.57%
EBIT growth 5Y7.37%
EBIT Next Year18.53%
EBIT Next 3Y21.23%
EBIT Next 5YN/A
FCF growth 1Y-6.74%
FCF growth 3Y8.95%
FCF growth 5Y21.76%
OCF growth 1Y-6.74%
OCF growth 3Y8.95%
OCF growth 5Y21.76%
EVEREST GROUP LTD / EG FAQ
What is the ChartMill fundamental rating of EVEREST GROUP LTD (EG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to EG.
What is the valuation status for EG stock?
ChartMill assigns a valuation rating of 6 / 10 to EVEREST GROUP LTD (EG). This can be considered as Fairly Valued.
How profitable is EVEREST GROUP LTD (EG) stock?
EVEREST GROUP LTD (EG) has a profitability rating of 2 / 10.
What is the valuation of EVEREST GROUP LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for EVEREST GROUP LTD (EG) is 25.24 and the Price/Book (PB) ratio is 0.89.
Can you provide the financial health for EG stock?
The financial health rating of EVEREST GROUP LTD (EG) is 3 / 10.