EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - NYSE:EG - BMG3223R1088 - Common Stock
317.69 USD
+4.24 (+1.35%)
317.69 USD
0 (0%)
Taking everything into account, EG scores 4 out of 10 in our fundamental rating. EG was compared to 146 industry peers in the Insurance industry. EG may be in some trouble as it scores bad on both profitability and health. 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
EG had positive earnings in the past year.
EG had a positive operating cash flow in the past year.
EG had positive earnings in each of the past 5 years.
In the past 5 years EG always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of EG (1.32%) is comparable to the rest of the industry.
The Return On Equity of EG (5.31%) is worse than 72.60% of its industry peers.
EG has a Return On Invested Capital of 1.35%. This is comparable to the rest of the industry: EG outperforms 41.78% of 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 4.53%.
| 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
EG has a Profit Margin of 4.52%. This is in the lower half of the industry: EG underperforms 68.49% of its industry peers.
EG's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 5.85%, EG is not doing good in the industry: 76.03% 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 | 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.
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
The Debt to FCF ratio of EG is 0.79, which is an excellent value as it means it would take EG, only 0.79 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.79, EG is doing good in the industry, outperforming 76.03% of the companies in the same industry.
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 better Debt to Equity ratio (0.24) than 63.01% 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
EG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.28%.
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.
The Revenue has grown by 18.48% 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)18.48%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
3.2 Future
EG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.68% yearly.
EG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.50% yearly.
EPS Next Y60.42%
EPS Next 2Y42.35%
EPS Next 3Y31.68%
EPS Next 5YN/A
Revenue Next Year2.67%
Revenue Next 2Y0.84%
Revenue Next 3Y1.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 24.51, which indicates a rather expensive current valuation of EG.
76.71% of the companies in the same industry are cheaper than EG, based on the Price/Earnings ratio.
EG's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.03.
EG is valuated cheaply with a Price/Forward Earnings ratio of 5.33.
80.82% of the companies in the same industry are more expensive than EG, based on the Price/Forward Earnings ratio.
EG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.51 | ||
| Fwd PE | 5.33 |
4.2 Price Multiples
EG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EG is cheaper than 82.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.95 | ||
| 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 31.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)3.71
EPS Next 2Y42.35%
EPS Next 3Y31.68%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.52%.
Compared to an average industry Dividend Yield of 3.27, EG pays a bit more dividend than its industry peers.
EG's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
The dividend of EG is nicely growing with an annual growth rate of 6.23%!
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
EG pays out 42.61% 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.
DP42.61%
EPS Next 2Y42.35%
EPS Next 3Y31.68%
317.69
+4.24 (+1.35%)
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 Change1.78%
Market Cap13.32B
Revenue(TTM)17.28B
Net Income(TTM)798.00M
Analysts75.83
Price Target396.49 (24.8%)
Short Float %1.96%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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)-1.57%
PT rev (3m)-2.32%
EPS NQ rev (1m)49.34%
EPS NQ rev (3m)53.05%
EPS NY rev (1m)5.96%
EPS NY rev (3m)9.44%
Revenue NQ rev (1m)2.64%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.51 | ||
| Fwd PE | 5.33 | ||
| P/S | 0.75 | ||
| P/FCF | 2.95 | ||
| P/OCF | 2.95 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.96
EY4.08%
EPS(NY)59.58
Fwd EY18.75%
FCF(TTM)107.85
FCFY33.95%
OCF(TTM)107.85
OCFY33.95%
SpS421.2
BVpS358.11
TBVpS358.11
PEG (NY)0.41
PEG (5Y)3.71
Graham Number323.15
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%
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 Turnover0.29
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)-78.28%
EPS 3Y0.57%
EPS 5Y6.61%
EPS Q2Q%-48.43%
EPS Next Y60.42%
EPS Next 2Y42.35%
EPS Next 3Y31.68%
EPS Next 5YN/A
Revenue 1Y (TTM)18.48%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%-1.61%
Revenue Next Year2.67%
Revenue Next 2Y0.84%
Revenue Next 3Y1.5%
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%
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 3 / 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 24.51 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.