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MARKEL GROUP INC (MKL) Stock Fundamental Analysis

NYSE:MKL - New York Stock Exchange, Inc. - US5705351048 - Common Stock - Currency: USD

1928  -26.15 (-1.34%)

After market: 1928 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to MKL. MKL was compared to 143 industry peers in the Insurance industry. There are concerns on the financial health of MKL while its profitability can be described as average. While showing a medium growth rate, MKL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year MKL was profitable.
MKL had a positive operating cash flow in the past year.
MKL had positive earnings in 4 of the past 5 years.
MKL had a positive operating cash flow in each of the past 5 years.
MKL Yearly Net Income VS EBIT VS OCF VS FCFMKL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

1.2 Ratios

Looking at the Return On Assets, with a value of 3.22%, MKL is in the better half of the industry, outperforming 69.93% of the companies in the same industry.
MKL has a better Return On Equity (12.42%) than 61.54% of its industry peers.
Industry RankSector Rank
ROA 3.22%
ROE 12.42%
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
MKL Yearly ROA, ROE, ROICMKL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

MKL's Profit Margin of 13.07% is fine compared to the rest of the industry. MKL outperforms 76.22% of its industry peers.
MKL's Profit Margin has declined in the last couple of years.
MKL has a better Operating Margin (20.40%) than 80.42% of its industry peers.
MKL's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 20.4%
PM (TTM) 13.07%
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
MKL Yearly Profit, Operating, Gross MarginsMKL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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3

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.
MKL Yearly Shares OutstandingMKL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MKL Yearly Total Debt VS Total AssetsMKL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

MKL has a debt to FCF ratio of 2.13. This is a good value and a sign of high solvency as MKL would need 2.13 years to pay back of all of its debts.
MKL's Debt to FCF ratio of 2.13 is in line compared to the rest of the industry. MKL outperforms 51.05% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that MKL is not too dependend on debt financing.
The Debt to Equity ratio of MKL (0.25) is better than 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.13
Altman-Z N/A
ROIC/WACCN/A
WACC8.24%
MKL Yearly LT Debt VS Equity VS FCFMKL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MKL Yearly Current Assets VS Current LiabilitesMKL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2022 2023 2024 200M 400M 600M 800M

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5

3. Growth

3.1 Past

MKL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.53%, which is quite good.
The Earnings Per Share has been growing by 13.39% on average over the past years. This is quite good.
Looking at the last year, MKL shows a small growth in Revenue. The Revenue has grown by 1.66% in the last 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)9.53%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%-48.52%
Revenue 1Y (TTM)1.66%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%20.56%

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 11.92% yearly.
MKL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y36.12%
EPS Next 2Y22.42%
EPS Next 3Y17.47%
EPS Next 5Y11.92%
Revenue Next Year-7.91%
Revenue Next 2Y-1.56%
Revenue Next 3Y0.24%
Revenue Next 5Y3.06%

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.
MKL Yearly Revenue VS EstimatesMKL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
MKL Yearly EPS VS EstimatesMKL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 50 -50 100

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 30.89, MKL can be considered very expensive at the moment.
Based on the Price/Earnings ratio, MKL is valued a bit more expensive than 79.02% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.87, MKL is valued at the same level.
MKL is valuated rather expensively with a Price/Forward Earnings ratio of 17.62.
66.43% of the companies in the same industry are cheaper than MKL, based on the Price/Forward Earnings ratio.
MKL is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 30.89
Fwd PE 17.62
MKL Price Earnings VS Forward Price EarningsMKL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

MKL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MKL is cheaper than 67.13% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as MKL.
Industry RankSector Rank
P/FCF 11.94
EV/EBITDA 6.87
MKL Per share dataMKL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800 1K

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.
MKL's earnings are expected to grow with 17.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)2.31
EPS Next 2Y22.42%
EPS Next 3Y17.47%

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0

5. Dividend

5.1 Amount

MKL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MARKEL GROUP INC

NYSE:MKL (8/15/2025, 8:04:00 PM)

After market: 1928 0 (0%)

1928

-26.15 (-1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners83.5%
Inst Owner Change-1.33%
Ins Owners1.4%
Ins Owner Change1.45%
Market Cap24.45B
Analysts51.43
Price Target2000.73 (3.77%)
Short Float %1.6%
Short Ratio4.1
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend2.78
Dividend Growth(5Y)N/A
DP1.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.29%
Min EPS beat(2)-45.1%
Max EPS beat(2)36.52%
EPS beat(4)2
Avg EPS beat(4)-18.28%
Min EPS beat(4)-119.59%
Max EPS beat(4)55.06%
EPS beat(8)5
Avg EPS beat(8)-22.64%
EPS beat(12)8
Avg EPS beat(12)-9.57%
EPS beat(16)12
Avg EPS beat(16)4.5%
Revenue beat(2)1
Avg Revenue beat(2)4.72%
Min Revenue beat(2)-6.65%
Max Revenue beat(2)16.08%
Revenue beat(4)1
Avg Revenue beat(4)0.95%
Min Revenue beat(4)-6.65%
Max Revenue beat(4)16.08%
Revenue beat(8)3
Avg Revenue beat(8)4.69%
Revenue beat(12)6
Avg Revenue beat(12)5.81%
Revenue beat(16)7
Avg Revenue beat(16)3.3%
PT rev (1m)1.03%
PT rev (3m)3.02%
EPS NQ rev (1m)-2.38%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)0%
EPS NY rev (3m)2.54%
Revenue NQ rev (1m)-0.63%
Revenue NQ rev (3m)-2.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.5%
Valuation
Industry RankSector Rank
PE 30.89
Fwd PE 17.62
P/S 1.49
P/FCF 11.94
P/OCF 10.79
P/B 1.41
P/tB 1.9
EV/EBITDA 6.87
EPS(TTM)62.42
EY3.24%
EPS(NY)109.43
Fwd EY5.68%
FCF(TTM)161.52
FCFY8.38%
OCF(TTM)178.65
OCFY9.27%
SpS1297.64
BVpS1365.79
TBVpS1015.33
PEG (NY)0.86
PEG (5Y)2.31
Profitability
Industry RankSector Rank
ROA 3.22%
ROE 12.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 20.4%
PM (TTM) 13.07%
GM N/A
FCFM 12.45%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.13
Debt/EBITDA 1.18
Cap/Depr 63.44%
Cap/Sales 1.32%
Interest Coverage 250
Cash Conversion 61.24%
Profit Quality 95.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.24%
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)9.53%
EPS 3Y4.51%
EPS 5Y13.39%
EPS Q2Q%-48.52%
EPS Next Y36.12%
EPS Next 2Y22.42%
EPS Next 3Y17.47%
EPS Next 5Y11.92%
Revenue 1Y (TTM)1.66%
Revenue growth 3Y8.97%
Revenue growth 5Y11.78%
Sales Q2Q%20.56%
Revenue Next Year-7.91%
Revenue Next 2Y-1.56%
Revenue Next 3Y0.24%
Revenue Next 5Y3.06%
EBIT growth 1Y13.76%
EBIT growth 3Y4.62%
EBIT growth 5Y8.42%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.41%
FCF growth 3Y3.19%
FCF growth 5Y15.24%
OCF growth 1Y-19.01%
OCF growth 3Y4.48%
OCF growth 5Y15.28%