EVEREST GROUP LTD (EG) Stock Fundamental Analysis
USA - NYSE:EG - BMG3223R1088 - Common Stock
313.45 USD
-1.07 (-0.34%)
313.45 USD
0 (0%)
EG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. EG has a bad profitability rating. Also its financial health evaluation is rather negative. 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
In the past year EG was profitable.
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
EG has a Return On Assets (1.32%) which is comparable to the rest of the industry.
The Return On Equity of EG (5.31%) is worse than 70.55% of its industry peers.
EG's Return On Invested Capital of 1.35% is in line compared 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 4.52%.
| 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's Profit Margin of 4.52% is on the low side compared to the rest of the industry. EG is outperformed by 66.44% 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 73.97% of its industry peers.
In the last couple of years the Operating Margin of EG has declined.
| 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
Compared to 1 year ago, EG has less shares outstanding
EG has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EG has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 0.79, EG is in the better half of 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 64.38% 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%.
EG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.61% yearly.
Looking at the last year, EG shows a quite strong growth in Revenue. The Revenue has grown by 18.48% in the last year.
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)-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
Based on estimates for the next years, EG will show a very strong growth in Earnings Per Share. The EPS will grow by 31.68% on average per year.
The Revenue is expected to grow by 1.50% on average over the next years.
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.
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 24.19.
77.40% of the companies in the same industry are cheaper than EG, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.51. EG is around the same levels.
A Price/Forward Earnings ratio of 5.26 indicates a rather cheap valuation of EG.
Based on the Price/Forward Earnings ratio, EG is valued cheaply inside the industry as 80.82% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of EG to the average of the S&P500 Index (22.53), we can say EG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.19 | ||
| Fwd PE | 5.26 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EG is valued cheaper than 83.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.91 | ||
| 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)0.4
PEG (5Y)3.66
EPS Next 2Y42.35%
EPS Next 3Y31.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.54%, EG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.34, 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 | 2.54% |
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%
313.45
-1.07 (-0.34%)
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 Cap13.15B
Revenue(TTM)17.28B
Net Income(TTM)798.00M
Analysts75.83
Price Target396.49 (26.49%)
Short Float %1.96%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.54% |
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 | 24.19 | ||
| Fwd PE | 5.26 | ||
| P/S | 0.74 | ||
| P/FCF | 2.91 | ||
| P/OCF | 2.91 | ||
| P/B | 0.88 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.96
EY4.13%
EPS(NY)59.58
Fwd EY19.01%
FCF(TTM)107.85
FCFY34.41%
OCF(TTM)107.85
OCFY34.41%
SpS421.2
BVpS358.11
TBVpS358.11
PEG (NY)0.4
PEG (5Y)3.66
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 24.19 and the Price/Book (PB) ratio is 0.88.
Can you provide the financial health for EG stock?
The financial health rating of EVEREST GROUP LTD (EG) is 3 / 10.