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 has a bad profitability rating. Also its financial health evaluation is rather negative. EG is not valued too expensively and it also shows a decent growth rate. EG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year EG was profitable.
EG had a positive operating cash flow in the past year.
In the past 5 years EG has always been profitable.
EG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EG has a Return On Assets (1.45%) which is in line with its industry peers.
EG's Return On Equity of 5.95% is on the low side compared to the rest of the industry. EG is outperformed by 73.43% of its industry peers.
With a Return On Invested Capital value of 1.44%, EG perfoms like the industry average, outperforming 44.76% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for EG is in line with the industry average of 4.13%.
| 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 62.94% of its industry peers.
EG's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 6.09%, EG is not doing good in the industry: 69.93% of the companies in the same industry are doing better.
EG's Operating Margin has declined in the last couple of years.
| 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
The number of shares outstanding for EG has been reduced compared to 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
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 has a better Debt to FCF ratio (0.75) than 72.73% 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.
With a decent Debt to Equity ratio value of 0.25, EG is doing good in the industry, outperforming 65.73% of the companies in the same industry.
| 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
EG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -66.06%.
Measured over the past 5 years, EG shows a small growth in Earnings Per Share. The EPS has been growing by 6.61% on average per year.
EG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.76%.
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.
Based on estimates for the next years, EG will show a small growth in Revenue. The Revenue will grow by 4.11% on average per year.
EPS Next Y60.7%
EPS Next 2Y47.08%
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
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
A Price/Earnings ratio of 17.49 indicates a rather expensive valuation of EG.
Based on the Price/Earnings ratio, EG is valued a bit more expensive than 60.14% 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 25.91.
A Price/Forward Earnings ratio of 5.37 indicates a rather cheap valuation of EG.
79.02% of the companies in the same industry are more expensive than EG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.77, EG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.49 | ||
| Fwd PE | 5.37 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EG is valued cheaper than 81.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.04 | ||
| 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.
A more expensive valuation may be justified as EG's earnings are expected to grow with 34.72% in the coming years.
PEG (NY)0.29
PEG (5Y)2.65
EPS Next 2Y47.08%
EPS Next 3Y34.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.35%, EG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.23, EG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, EG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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
40.78% of the earnings are spent on dividend by EG. 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 2Y47.08%
EPS Next 3Y34.72%
NYSE:EG (5/27/2025, 12:49:06 PM)
341.62
+5.68 (+1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.92%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner Change4.32%
Market Cap14.53B
Analysts79.09
Price Target403.45 (18.1%)
Short Float %1.24%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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)-1.7%
PT rev (3m)-2.26%
EPS NQ rev (1m)-4.79%
EPS NQ rev (3m)-5.24%
EPS NY rev (1m)-5.17%
EPS NY rev (3m)-5.98%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)-0.62%
Revenue NY rev (3m)-1.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.49 | ||
| Fwd PE | 5.37 | ||
| P/S | 0.83 | ||
| P/FCF | 3.04 | ||
| P/OCF | 3.04 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.53
EY5.72%
EPS(NY)63.6
Fwd EY18.62%
FCF(TTM)112.46
FCFY32.92%
OCF(TTM)112.46
OCFY32.92%
SpS409.38
BVpS332.47
TBVpS332.47
PEG (NY)0.29
PEG (5Y)2.65
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 Y60.7%
EPS Next 2Y47.08%
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%