EVEREST GROUP LTD (EG) Stock Fundamental Analysis
NYSE:EG - BMG3223R1088 - Common Stock
341.32 USD
-2.62 (-0.76%)
341.32 USD
0 (0%)
Taking everything into account, EG scores 4 out of 10 in our fundamental rating. 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 has a correct valuation and a medium growth rate. 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.
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
With a Return On Assets value of 1.32%, EG perfoms like the industry average, outperforming 48.25% of the companies in the same industry.
EG has a worse Return On Equity (5.31%) than 69.23% of its industry peers.
With a Return On Invested Capital value of 1.35%, EG perfoms like the industry average, outperforming 44.76% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EG is in line with the industry average of 4.11%.
| 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 63.64% of its industry peers.
In the last couple of years the Profit Margin of EG has declined.
The Operating Margin of EG (5.85%) is worse than 71.33% 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.
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 0.79. 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.
The Debt to FCF ratio of EG (0.79) is better than 74.83% 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's Debt to Equity ratio of 0.24 is fine compared to the rest of the industry. EG outperforms 65.03% 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.
EG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.61% yearly.
EG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.20%.
The Revenue has been growing by 15.93% on average over the past years. This is quite good.
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
Based on estimates for the next years, EG will show a very strong growth in Earnings Per Share. The EPS will grow by 34.76% on average per year.
Based on estimates for the next years, EG will show a small growth in Revenue. The Revenue will grow by 4.87% on average per year.
EPS Next Y66.09%
EPS Next 2Y46.74%
EPS Next 3Y34.76%
EPS Next 5YN/A
Revenue Next Year4.39%
Revenue Next 2Y5.09%
Revenue Next 3Y4.87%
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
With a Price/Earnings ratio of 17.03, EG is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of EG indicates a slightly more expensive valuation: EG is more expensive than 62.24% of the companies listed in the same industry.
EG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.39 indicates a rather cheap valuation of EG.
80.42% 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 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.03 | ||
| Fwd PE | 5.39 |
4.2 Price Multiples
EG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EG is cheaper than 80.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.16 | ||
| 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 34.76% in the coming years.
PEG (NY)0.26
PEG (5Y)2.58
EPS Next 2Y46.74%
EPS Next 3Y34.76%
5. Dividend
5.1 Amount
EG has a Yearly Dividend Yield of 2.30%. 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 3.52.
Compared to an average S&P500 Dividend Yield of 2.34, EG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
On average, the dividend of EG grows each year by 6.23%, which is quite nice.
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
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 2Y46.74%
EPS Next 3Y34.76%
341.32
-2.62 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.91%
Inst Owner ChangeN/A
Ins Owners1.41%
Ins Owner Change5.36%
Market Cap14.31B
Analysts80
Price Target401.78 (17.71%)
Short Float %2.24%
Short Ratio2.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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)-1.02%
PT rev (3m)-0.42%
EPS NQ rev (1m)-1.57%
EPS NQ rev (3m)-4.97%
EPS NY rev (1m)3.21%
EPS NY rev (3m)3.36%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)1.8%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.03 | ||
| Fwd PE | 5.39 | ||
| P/S | 0.81 | ||
| P/FCF | 3.16 | ||
| P/OCF | 3.16 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.04
EY5.87%
EPS(NY)63.3
Fwd EY18.55%
FCF(TTM)107.85
FCFY31.6%
OCF(TTM)107.85
OCFY31.6%
SpS421.2
BVpS358.11
TBVpS358.11
PEG (NY)0.26
PEG (5Y)2.58
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 Y66.09%
EPS Next 2Y46.74%
EPS Next 3Y34.76%
EPS Next 5YN/A
Revenue 1Y (TTM)10.2%
Revenue growth 3Y13.35%
Revenue growth 5Y15.93%
Sales Q2Q%8.07%
Revenue Next Year4.39%
Revenue Next 2Y5.09%
Revenue Next 3Y4.87%
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%