Everest Group, Ltd.

Finance
Property-Casualty Insurers
www.everestglobal.com

Earnings Score
Moat Score

Market Cap $14.36B
PE 5
Debt -
Cash $1.60B
EV -
FCF -

Earnings

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Sales & Net Margins

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Earnings	$2.74B
EBIT	$2.51B
ROE	18%
ROA	4%
Equity	$15.34B
Growth Stability	-18%
PE	5.25
PEG	0.11
PB	0.94
P/S	0.88
Price/Cash	0.11
Net Margins	15%
Op. Margins	15%
Earnings CAGR	27%
Sales Growth YoY	7%
Sales Growth QoQ	1%
Sales CAGR	14%
Equity CAGR	5%
Earnings Stability	0.16
Earnings Growth YoY	-25%

Earnings Growth QoQ	-30%
Earnings CAGR 5Y	47%
Sales CAGR 5Y	15%
Equity CAGR 5Y	9%
Earnings CAGR 3Y	14%
Sales CAGR 3Y	14%
Equity CAGR 3Y	23%
Market Cap	$14.36B
Revenue	$16.31B
Dividend Yield	2%
Payout Ratio	12%
Assets	$55.86B
Cash	$1.60B
Shares Outstanding	42.6M
Earnings Score	10%
Moat Score	80%
Shares Growth 3y	12%
Equity Growth QoQ	8%
Equity Growth YoY	37%

Assets & ROA

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Stockholders Equity & ROE

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Everest Re Group Ltd is engaged in providing insurance services in the U.S., Bermuda, and international markets. It operates in two segments: Reinsurance and Insurance. The Reinsurance operation writes worldwide property and casualty reinsurance and specialty lines of business, on both a treaty and facultative basis, through reinsurance brokers, as well as directly with ceding companies. The Insurance operation writes property and casualty insurance directly and through brokers, surplus lines brokers, and general agents within the U.S., Bermuda, Canada, Europe, and South America.

SEC Filings

Direct access to Everest Group, Ltd. (EG) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Everest Group, Ltd. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Everest Group, Ltd. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 27%

Stability 16%

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Everest Group, Ltd. Discounted Cash Flow

Fully customizable DCF calculator online for Everest Group, Ltd..

Years

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	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	14%	14%	4%	-2%	9%	3%	9%	3%	17%	15%
ROA	-	5%	2%	-1%	4%	2%	4%	1%	4%	4%
ROE	-	10%	3%	-1%	8%	3%	11%	4%	19%	18%

Good Net Margins (15.37%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	-18%	100%	86%	100%	47%	100%	-18%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-18%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-1%	14%	12%	12%	17%	24%	2%	21%	15%
Earnings YoY growth	-	-0%	-67%	-143%	-787%	-66%	327%	-70%	638%	47%
Equity YoY growth	-	6%	4%	-6%	16%	6%	4%	-17%	56%	9%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-