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EVEREST GROUP LTD (EG) Stock Fundamental Analysis

NYSE:EG - New York Stock Exchange, Inc. - BMG3223R1088 - Common Stock - Currency: USD

335.87  -1.15 (-0.34%)

After market: 335.87 0 (0%)

Fundamental Rating

4

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.


Dividend Valuation Growth Profitability Health

3

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.
EG Yearly Net Income VS EBIT VS OCF VS FCFEG 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 4B

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 RankSector 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%
EG Yearly ROA, ROE, ROICEG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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 RankSector 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
EG Yearly Profit, Operating, Gross MarginsEG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

3

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.
EG Yearly Shares OutstandingEG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
EG Yearly Total Debt VS Total AssetsEG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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 RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.75
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
EG Yearly LT Debt VS Equity VS FCFEG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EG Yearly Current Assets VS Current LiabilitesEG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

5

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.
EG Yearly Revenue VS EstimatesEG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
EG Yearly EPS VS EstimatesEG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20 40 60

6

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 RankSector Rank
PE 17.2
Fwd PE 5.31
EG Price Earnings VS Forward Price EarningsEG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 RankSector Rank
P/FCF 2.99
EV/EBITDA N/A
EG Per share dataEG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

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%

7

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 RankSector 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
EG Yearly Dividends per shareEG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

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%
EG Yearly Income VS Free CF VS DividendEG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B
EG Dividend Payout.EG Dividend Payout, showing the Payout Ratio.EG Dividend Payout.PayoutRetained Earnings

EVEREST GROUP LTD

NYSE:EG (7/23/2025, 8:19:13 PM)

After market: 335.87 0 (0%)

335.87

-1.15 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-30 2025-07-30/amc
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 RankSector Rank
Dividend Yield 2.4%
Yearly Dividend7.73
Dividend Growth(5Y)6.23%
DP40.78%
Div Incr Years3
Div Non Decr Years23
Ex-Date05-28 2025-05-28 (2)
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 RankSector 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 RankSector 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 RankSector 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%