EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - NYSE:EG - BMG3223R1088 - Common Stock
360 USD
-4.86 (-1.33%)
360 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EG. EG was compared to 145 industry peers in the Insurance industry. Both the profitability and financial health of EG have multiple concerns. EG is not valued too expensively and it also shows a decent growth rate. Finally EG also has an excellent dividend rating.
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.
EG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EG (1.32%) is comparable to the rest of the industry.
With a Return On Equity value of 5.31%, EG is not doing good in the industry: 69.66% of the companies in the same industry are doing better.
The Return On Invested Capital of EG (1.35%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for EG is in line with the industry average of 4.40%.
| 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: 65.52% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of EG has declined.
The Operating Margin of EG (5.85%) is worse than 73.79% of its industry peers.
EG's Operating Margin has declined in the last couple of years.
| 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
EG has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, EG has more shares outstanding
Compared to 1 year ago, EG has an improved debt to assets ratio.
2.2 Solvency
EG has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
EG's Debt to FCF ratio of 0.79 is fine compared to the rest of the industry. EG outperforms 75.86% 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.
EG has a Debt to Equity ratio of 0.24. This is in the better half of the industry: EG outperforms 64.14% of its industry peers.
| 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.
The Earnings Per Share has been growing slightly by 6.61% on average over the past years.
The Revenue has grown by 10.20% in the past year. This is quite good.
Measured over the past years, EG shows a quite strong growth in Revenue. The Revenue has been growing by 15.93% on average per year.
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
The Earnings Per Share is expected to grow by 33.39% on average over the next years. This is a very strong growth
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 Y66.22%
EPS Next 2Y45.94%
EPS Next 3Y33.39%
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.
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 rather expensively with a Price/Earnings ratio of 17.96.
67.59% of the companies in the same industry are cheaper than EG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of EG to the average of the S&P500 Index (27.91), we can say EG is valued slightly cheaper.
A Price/Forward Earnings ratio of 5.75 indicates a rather cheap valuation of EG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EG indicates a rather cheap valuation: EG is cheaper than 81.38% of the companies listed in the same industry.
EG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.96 | ||
| Fwd PE | 5.75 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EG is valued cheaper than 80.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.34 | ||
| 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 33.39% in the coming years.
PEG (NY)0.27
PEG (5Y)2.72
EPS Next 2Y45.94%
EPS Next 3Y33.39%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.28%.
EG's Dividend Yield is a higher than the industry average which is at 3.33.
EG's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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 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
42.61% 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.
DP42.61%
EPS Next 2Y45.94%
EPS Next 3Y33.39%
360
-4.86 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners98.38%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner Change1.25%
Market Cap15.10B
Analysts74.17
Price Target393.69 (9.36%)
Short Float %2%
Short Ratio2.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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)-2.01%
PT rev (3m)-2.38%
EPS NQ rev (1m)4.59%
EPS NQ rev (3m)4.49%
EPS NY rev (1m)0.08%
EPS NY rev (3m)3.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.96 | ||
| Fwd PE | 5.75 | ||
| P/S | 0.85 | ||
| P/FCF | 3.34 | ||
| P/OCF | 3.34 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.04
EY5.57%
EPS(NY)62.62
Fwd EY17.39%
FCF(TTM)107.85
FCFY29.96%
OCF(TTM)107.85
OCFY29.96%
SpS421.2
BVpS358.11
TBVpS358.11
PEG (NY)0.27
PEG (5Y)2.72
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 Y66.22%
EPS Next 2Y45.94%
EPS Next 3Y33.39%
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%