MARKEL GROUP INC (MKL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MKL - US5705351048 - Common Stock
2074.12 USD
+0.5 (+0.02%)
We assign a fundamental rating of 4 out of 10 to MKL. MKL was compared to 148 industry peers in the Insurance industry. While MKL is still in line with the averages on profitability rating, there are concerns on its financial health. MKL is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
MKL had positive earnings in the past year.
MKL had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 3.02%, MKL is doing good in the industry, outperforming 62.16% of the companies in the same industry.
MKL's Return On Equity of 11.28% is in line compared to the rest of the industry. MKL outperforms 49.32% of its industry peers.
| 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 has a Profit Margin of 12.55%. This is in the better half of the industry: MKL outperforms 66.22% 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 69.59% 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.
MKL has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MKL has been reduced compared to 5 years ago.
The debt/assets ratio for MKL is higher compared to a year ago.
2.2 Solvency
MKL has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.
The Debt to FCF ratio of MKL (1.80) 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 64.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 1.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.01%
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.
Measured over the past years, MKL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.39% on average per year.
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
MKL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.31% yearly.
The Revenue is expected to grow by 3.46% on average over the next years.
EPS Next Y37.23%
EPS Next 2Y23.32%
EPS Next 3Y18.88%
EPS Next 5Y13.31%
Revenue Next Year-3.01%
Revenue Next 2Y-1.32%
Revenue Next 3Y0.52%
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.
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
MKL is valuated rather expensively with a Price/Earnings ratio of 20.93.
72.30% of the companies in the same industry are cheaper than MKL, based on the Price/Earnings ratio.
MKL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.11.
MKL is valuated rather expensively with a Price/Forward Earnings ratio of 18.68.
Based on the Price/Forward Earnings ratio, MKL is valued a bit more expensive than the industry average as 72.30% of the companies are valued more cheaply.
MKL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.93 | ||
| Fwd PE | 18.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MKL is valued a bit cheaper than the industry average as 60.14% of the companies are valued more expensively.
MKL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.01 | ||
| EV/EBITDA | 7.91 |
4.3 Compensation for Growth
MKL'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 MKL's earnings are expected to grow with 18.88% in the coming years.
PEG (NY)0.56
PEG (5Y)1.56
EPS Next 2Y23.32%
EPS Next 3Y18.88%
5. Dividend
5.1 Amount
No dividends for MKL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:MKL (12/2/2025, 11:21:43 AM)
2074.12
+0.5 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners82.81%
Inst Owner Change107.88%
Ins Owners1.41%
Ins Owner Change-0.05%
Market Cap26.15B
Revenue(TTM)16.21B
Net Income(TTM)2.03B
Analysts50.77
Price Target2123.39 (2.38%)
Short Float %2.07%
Short Ratio5.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)0.24%
PT rev (3m)5.19%
EPS NQ rev (1m)6.92%
EPS NQ rev (3m)5.35%
EPS NY rev (1m)3.77%
EPS NY rev (3m)3.2%
Revenue NQ rev (1m)4.59%
Revenue NQ rev (3m)4.32%
Revenue NY rev (1m)1.32%
Revenue NY rev (3m)1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.93 | ||
| Fwd PE | 18.68 | ||
| P/S | 1.61 | ||
| P/FCF | 11.01 | ||
| P/OCF | 10.09 | ||
| P/B | 1.45 | ||
| P/tB | 1.92 | ||
| EV/EBITDA | 7.91 |
EPS(TTM)99.1
EY4.78%
EPS(NY)111.05
Fwd EY5.35%
FCF(TTM)188.37
FCFY9.08%
OCF(TTM)205.63
OCFY9.91%
SpS1285.51
BVpS1430.67
TBVpS1082.71
PEG (NY)0.56
PEG (5Y)1.56
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
WACC8.01%
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 Y37.23%
EPS Next 2Y23.32%
EPS Next 3Y18.88%
EPS Next 5Y13.31%
Revenue 1Y (TTM)-6.96%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%6.12%
Revenue Next Year-3.01%
Revenue Next 2Y-1.32%
Revenue Next 3Y0.52%
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 37.23% in the next year.