MARKEL GROUP INC (MKL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MKL - US5705351048 - Common Stock
2197.48 USD
+9.05 (+0.41%)
We assign a fundamental rating of 4 out of 10 to MKL. MKL was compared to 148 industry peers in the Insurance industry. There are concerns on the financial health of MKL while its profitability can be described as average. MKL is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
MKL had positive earnings in the past year.
In the past year MKL had a positive cash flow from operations.
Of the past 5 years MKL 4 years were profitable.
In the past 5 years MKL always reported a positive cash flow from operatings.
1.2 Ratios
MKL has a better Return On Assets (3.02%) than 64.19% of its industry peers.
MKL has a Return On Equity (11.28%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 11.28% | ||
| ROIC | N/A |
ROA(3y)2.38%
ROA(5y)2.8%
ROE(3y)8.69%
ROE(5y)9.72%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MKL's Profit Margin of 12.55% is fine compared to the rest of the industry. MKL outperforms 68.24% of its industry peers.
In the last couple of years the Profit Margin of MKL has declined.
MKL has a Operating Margin of 18.48%. This is in the better half of the industry: MKL outperforms 67.57% of its industry peers.
In the last couple of years the Operating Margin of MKL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.48% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A |
OM growth 3Y-3.99%
OM growth 5Y-3%
PM growth 3Y-6.22%
PM growth 5Y-3.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MKL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MKL has been reduced compared to 1 year ago.
MKL has less shares outstanding than it did 5 years ago.
MKL has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MKL is 1.80, which is an excellent value as it means it would take MKL, only 1.80 years of fcf income to pay off all of its debts.
MKL has a Debt to FCF ratio (1.80) which is comparable to the rest of the industry.
MKL has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
MKL has a Debt to Equity ratio of 0.24. This is in the better half of the industry: MKL outperforms 63.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.17%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 234.35% over the past year.
The Earnings Per Share has been growing by 13.39% on average over the past years. This is quite good.
The Revenue has decreased by -6.96% in the past year.
Measured over the past years, MKL shows a quite strong growth in Revenue. The Revenue has been growing by 11.78% on average per year.
EPS 1Y (TTM)234.35%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%865.09%
Revenue 1Y (TTM)-6.96%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%6.12%
3.2 Future
Based on estimates for the next years, MKL will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.31% on average per year.
Based on estimates for the next years, MKL will show a small growth in Revenue. The Revenue will grow by 3.46% on average per year.
EPS Next Y47.83%
EPS Next 2Y23.62%
EPS Next 3Y19.72%
EPS Next 5Y13.31%
Revenue Next Year-2.76%
Revenue Next 2Y-1.61%
Revenue Next 3Y-0.94%
Revenue Next 5Y3.46%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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 22.17, MKL is valued on the expensive side.
Based on the Price/Earnings ratio, MKL is valued a bit more expensive than 70.95% of the companies in the same industry.
MKL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.50.
MKL is valuated rather expensively with a Price/Forward Earnings ratio of 19.69.
Based on the Price/Forward Earnings ratio, MKL is valued a bit more expensive than the industry average as 70.95% of the companies are valued more cheaply.
MKL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.93.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.17 | ||
| Fwd PE | 19.69 |
4.2 Price Multiples
MKL's Enterprise Value to EBITDA is on the same level as the industry average.
MKL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.67 | ||
| EV/EBITDA | 8.34 |
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 MKL's earnings are expected to grow with 19.72% in the coming years.
PEG (NY)0.46
PEG (5Y)1.66
EPS Next 2Y23.62%
EPS Next 3Y19.72%
5. Dividend
5.1 Amount
MKL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:MKL (12/24/2025, 9:53:10 AM)
2197.48
+9.05 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners83.47%
Inst Owner Change107.89%
Ins Owners1.41%
Ins Owner Change-0.94%
Market Cap27.71B
Revenue(TTM)16.21B
Net Income(TTM)2.03B
Analysts50.77
Price TargetN/A
Short Float %1.75%
Short Ratio4.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend2.78
Dividend Growth(5Y)N/A
DP1.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.09%
Min EPS beat(2)-45.1%
Max EPS beat(2)38.92%
EPS beat(4)3
Avg EPS beat(4)21.35%
Min EPS beat(4)-45.1%
Max EPS beat(4)55.06%
EPS beat(8)5
Avg EPS beat(8)-19.86%
EPS beat(12)8
Avg EPS beat(12)-10.98%
EPS beat(16)12
Avg EPS beat(16)4.54%
Revenue beat(2)2
Avg Revenue beat(2)9.1%
Min Revenue beat(2)2.12%
Max Revenue beat(2)16.08%
Revenue beat(4)2
Avg Revenue beat(4)2.41%
Min Revenue beat(4)-6.65%
Max Revenue beat(4)16.08%
Revenue beat(8)4
Avg Revenue beat(8)6.07%
Revenue beat(12)7
Avg Revenue beat(12)6.36%
Revenue beat(16)8
Avg Revenue beat(16)3.45%
PT rev (1m)2.65%
PT rev (3m)7.72%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)5.73%
EPS NY rev (1m)7.72%
EPS NY rev (3m)11.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.17 | ||
| Fwd PE | 19.69 | ||
| P/S | 1.71 | ||
| P/FCF | 11.67 | ||
| P/OCF | 10.69 | ||
| P/B | 1.54 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | 8.34 |
EPS(TTM)99.1
EY4.51%
EPS(NY)111.58
Fwd EY5.08%
FCF(TTM)188.37
FCFY8.57%
OCF(TTM)205.63
OCFY9.36%
SpS1285.51
BVpS1430.67
TBVpS1082.71
PEG (NY)0.46
PEG (5Y)1.66
Graham Number1786.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 11.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 18.48% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A | ||
| FCFM | 14.65% |
ROA(3y)2.38%
ROA(5y)2.8%
ROE(3y)8.69%
ROE(5y)9.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-3.99%
OM growth 5Y-3%
PM growth 3Y-6.22%
PM growth 5Y-3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.8 | ||
| Debt/EBITDA | 1.28 | ||
| Cap/Depr | 63.6% | ||
| Cap/Sales | 1.34% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 77.69% | ||
| Profit Quality | 116.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.17%
ROIC/WACCN/A
Cap/Depr(3y)81.13%
Cap/Depr(5y)63.91%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)234.35%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%865.09%
EPS Next Y47.83%
EPS Next 2Y23.62%
EPS Next 3Y19.72%
EPS Next 5Y13.31%
Revenue 1Y (TTM)-6.96%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%6.12%
Revenue Next Year-2.76%
Revenue Next 2Y-1.61%
Revenue Next 3Y-0.94%
Revenue Next 5Y3.46%
EBIT growth 1Y-29.51%
EBIT growth 3Y4.62%
EBIT growth 5Y8.42%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.39%
FCF growth 3Y3.19%
FCF growth 5Y15.24%
OCF growth 1Y-7.17%
OCF growth 3Y4.48%
OCF growth 5Y15.28%
MARKEL GROUP INC / MKL FAQ
What is the ChartMill fundamental rating of MARKEL GROUP INC (MKL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MKL.
What is the valuation status of MARKEL GROUP INC (MKL) stock?
ChartMill assigns a valuation rating of 3 / 10 to MARKEL GROUP INC (MKL). This can be considered as Overvalued.
Can you provide the profitability details for MARKEL GROUP INC?
MARKEL GROUP INC (MKL) has a profitability rating of 4 / 10.
Can you provide the financial health for MKL stock?
The financial health rating of MARKEL GROUP INC (MKL) is 3 / 10.
What is the expected EPS growth for MARKEL GROUP INC (MKL) stock?
The Earnings per Share (EPS) of MARKEL GROUP INC (MKL) is expected to grow by 47.83% in the next year.