A Business at a Glance
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EVEREST GROUP, LTD.
EG
$16.0B
Mkt Cap
$385.12
+2.55%
EVEREST GROUP, LTD. (EG) has a current P/E ratio of 10.2, compared to its historical median P/E of 10.5. The stock is currently considered Fair based on its historical valuation range.
EVEREST GROUP, LTD. (EG) has a 5-year average return on invested capital (ROIC) of 12.5%. This indicates solid capital allocation.
EVEREST GROUP, LTD. (EG) has a market capitalization of $28.7B. It is classified as a large-cap stock.
Yes, EVEREST GROUP, LTD. (EG) pays a dividend with a trailing twelve-month yield of 1.15%. The company also returns capital through share buybacks, with a buyback yield of 3.23%.
Based on historical P/E analysis, EVEREST GROUP, LTD. (EG) appears fair. The current P/E of 10.2 is 3% below its historical median of 10.5. The estimated fair value CAGR (P/E method) is 25.6%.
EVEREST GROUP, LTD. (EG) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
EVEREST GROUP, LTD. (EG) reported annual revenue of $17.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
Everest Group, Ltd. is a Bermuda-based reinsurance and insurance organization and S&P 500 constituent that operates a diversified global platform across more than 100 countries on six continents. The company's principal business is underwriting reinsurance and insurance through two reportable segments—Reinsurance (72.4% of 2025 gross written premiums of $17.7 billion) and Insurance (27.1%)—with the remainder from other operations. The Reinsurance segment writes business through brokers (65.9% of total premiums, with the top two brokers, Marsh McLennan and Aon, representing 22.4% and 18.7% respectively) and direct placement channels, while the Insurance segment writes commercial property and casualty business on admitted and non-admitted bases through wholesale and retail brokers, surplus lines brokers, and program administrators. Everest's underwriting strategy emphasizes disciplined risk selection, appropriate pricing, and flexibility to adjust business mix in response to market conditions, with a focus on underwriting profitability over premium volume and careful avoidance of unacceptable geographic or risk concentrations. The company operates through a network of rated subsidiaries (each rated A+ by A.M. Best) including Bermuda Re, Everest Re, Ireland Re, Ireland Insurance, and operations in Canada, Chile, Colombia, Mexico, and Asia-Pacific, providing extensive product and distribution capabilities underpinned by a strong balance sheet (shareholders' equity of $15.5 billion and total assets of $62.5 billion as of December 31, 2025). In October 2025, Everest agreed to sell renewal rights for certain commercial retail insurance business to AIG for approximately $301 million in aggregate purchase price plus $10 million per month for nine months in transition services, representing an estimated $2 billion in aggregate gross premiums written and sharpening the company's focus on core global reinsurance and global wholesale and specialty insurance businesses.
【Strategic portfolio repositioning】 Management is executing a clear plan to sharpen underwriting discipline, drive operating leverage, and concentrate on specialty and wholesale segments where Everest has competitive advantage, with the retail business transition to AIG progressing as planned and meaningful capital release expected to become visible in the back half of 2026. The company expects the Insurance segment to run at a combined ratio above 110% for fiscal year 2026 driven primarily by higher expenses during the transition, with approximately $150 million of restructuring charges throughout 2026 associated with the commercial retail insurance exit, including approximately $80 million of real estate-related costs expected in the fourth quarter. Property catastrophe market conditions are expected to remain challenging with rates anticipated to decline in the mid-teens zone at the mid-year renewals, though expected returns on the written portfolio are expected to remain above the company's thresholds, and the company expects to continue deploying capital where return expectations are clearly above its threshold. Management expects a quarterly floor of $300 million for common share repurchases in 2026 with potential for augmentation later in the year depending on catastrophe season outcomes and capital release from the renewal rights transaction, and anticipates an elevated payout ratio for 2026 assuming relatively normal catastrophe activity.
| Metric | Target | Period |
|---|---|---|
| Real estate-related costs | approximately $80 million | Q4 2026 |
| Insurance segment combined ratio | above 110% | FY2026 |
| Other segment combined ratio | above 110% | FY2026 |
| Common share repurchases quarterly floor | $300 million | FY2026 |
| Monthly net expense benefit from AIG | $10 million | First nine months of 2026 |
Real estate-related costs (Q4 2026): “This includes approximately $80 million of real estate-related costs that we expect to incur in the 4th quarter of 2026, which we'll look to mitigate where possible.”
Insurance segment combined ratio (FY2026): “We continue to expect the segment to run at a combined ratio above a 110% combined ratio for fiscal year 2026, driven primarily by higher expenses as we transition the commercial retail insurance book to AIG.”
Other segment combined ratio (FY2026): “We expect the other segment to run at a combined ratio above 110% in 2026, driven primarily by higher expenses as we transition the commercial retail insurance book to AIG.”
Common share repurchases quarterly floor (FY2026): “we now expect $300 million to be a quarterly floor for common share repurchases in 2026.”
Monthly net expense benefit from AIG (First nine months of 2026): “we expect approximately a $10 million monthly net expense benefit from AIG in each of the first nine months of the year.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 17.3B | 17.5B | 17.3B | 14.6B | 12.1B | 11.9B |
| Net Income | 2.0B | 1.6B | 1.4B | 2.5B | 589M | 1.4B |
| EPS | $27.00 | $37.80 | $31.78 | $60.19 | $15.19 | $34.62 |
| Free Cash Flow | 0 | 3.1B | 5.0B | 4.6B | 3.7B | 3.8B |
| ROIC | -0.2% | 10.7% | 10.0% | 23.0% | 6.0% | 12.5% |
| Gross Margin | - | 10.8% | 8.6% | 14.8% | 4.9% | 13.0% |
| Debt/Equity | 0.15 | 0.15 | 0.17 | 0.18 | 0.28 | 0.21 |
| Dividends/Share | $4.43 | $8.00 | $7.75 | $6.80 | $6.50 | $6.20 |
| Operating Income | -35M | 1.9B | 121M | 2.2B | -102M | 1.5B |
| Operating Margin | -0.2% | 10.8% | 0.7% | 14.8% | -0.8% | 13.0% |
| ROE | 13.1% | 10.7% | 10.0% | 23.0% | 6.3% | 13.7% |
| Shares Outstanding | 75M | 42M | 43M | 41M | 39M | 39M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 5.7B | 5.7B | 5.8B | 6.6B | 7.4B | 8.2B | 9.6B | 11.9B | 12.1B | 14.6B | 17.3B | 17.5B | 17.3B |
| Gross Margin | 24.4% | 19.6% | 19.0% | 6.3% | -3.3% | 13.4% | 6.1% | 13.0% | 4.9% | 14.8% | 8.6% | 10.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 23M | 23M | 1.2B | 1.3B | 1.5B | 1.7B | 1.9B | 2.2B | 2.5B | 3.0B | 3.3B | 3.5B | 3.5B |
| EBIT | 1.4B | 88M | 1.1B | -21M | -24M | 1.1B | 585M | 1.5B | -102M | 2.2B | 121M | 1.9B | -35M |
| Op. Margin | 24.4% | 1.6% | 19.0% | -0.3% | -0.3% | 13.4% | 6.1% | 13.0% | -0.8% | 14.8% | 0.7% | 10.8% | -0.2% |
| Net Income | 1.0B | 794M | 792M | 273M | -126M | 766M | 262M | 1.4B | 589M | 2.5B | 1.4B | 1.6B | 2.0B |
| Net Margin | 18.4% | 14.0% | 13.7% | 4.1% | -1.7% | 9.3% | 2.7% | 11.5% | 4.9% | 17.1% | 7.9% | 9.0% | 11.6% |
| Non-Recurring | 0 | 0 | 32M | 7.1M | 8.1M | 21M | 0 | 0 | 0 | -283M | 7.0M | -112M | -112M |
| Returns on Capital | |||||||||||||
| ROIC | 13.8% | 10.1% | 9.8% | 3.2% | -1.5% | 8.9% | 2.6% | 12.5% | 6.0% | 23.0% | 10.0% | 10.7% | -0.2% |
| ROE | 14.5% | 10.5% | 10.1% | 3.3% | -1.6% | 9.0% | 2.8% | 13.7% | 6.3% | 23.0% | 10.0% | 10.7% | 13.1% |
| ROA | 5.1% | 3.8% | 3.8% | 1.2% | -0.5% | 2.9% | 0.9% | 3.8% | 1.5% | 5.6% | 2.6% | 2.6% | 3.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.1B | 1.1B | 1.4B | 1.2B | 610M | 1.9B | 2.9B | 3.8B | 3.7B | 4.6B | 5.0B | 3.1B | 2.8B |
| Free Cash Flow | 1.1B | 1.1B | 1.4B | 1.2B | 610M | 1.9B | 2.9B | 3.8B | 3.7B | 4.6B | 5.0B | 3.1B | 0 |
| Owner Earnings | 1.0B | 1.1B | 1.4B | 1.1B | 578M | 1.8B | 2.8B | 3.8B | 3.6B | 4.5B | 4.9B | 3.0B | 2.7B |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 146M | 175M | 195M | 207M | 216M | 234M | 249M | 247M | 255M | 288M | 334M | 335M | 330M |
| Dividend Yield | 2.9% | 3.4% | 1.8% | 1.5% | 1.6% | 1.6% | 1.8% | 2.7% | 2.4% | 2.0% | 2.1% | 2.4% | 1.2% |
| Share Buybacks | 500M | 400M | 386M | 50M | 75M | 25M | 200M | 225M | 61M | 0 | 200M | 797M | 927M |
| Buyback Yield | 7.9% | 6.0% | 5.1% | 0.6% | 1.0% | 0.2% | 2.4% | 2.2% | 0.5% | N/A | 1.3% | 5.6% | 3.2% |
| Stock-Based Comp | 21M | 21M | 26M | 30M | 32M | 34M | 39M | 43M | 45M | 49M | 63M | 61M | 73M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 11M | 0 | 6.0M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -51M | 109M | -89M | -239M | -262M | -413M | 574M | 724M | 945M | 910M | 470M | -2.0B | -1.3B |
| Cash & Equiv. | 437M | 284M | 482M | 635M | 656M | 808M | 802M | 1.4B | 1.4B | 1.4B | 1.5B | 1.3B | 3.6B |
| Long-Term Debt | 400M | 236M | 236M | 237M | 237M | N/A | 979M | 968M | 0 | 0 | 0 | N/A | 2.4B |
| Debt/Equity | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.14 | 0.21 | 0.28 | 0.18 | 0.17 | 0.15 | 0.15 |
| Interest Coverage | 36.0 | 2.4 | 30.4 | -0.7 | -0.8 | 34.7 | 76.5 | 265.7 | -1.0 | 16.6 | 0.8 | 12.6 | 12.6 |
| Equity | 7.5B | 7.6B | 8.1B | 8.3B | 7.9B | 9.1B | 9.7B | 10.1B | 8.4B | 13.2B | 13.9B | 15.5B | 15.3B |
| Total Assets | 20.8B | 20.6B | 21.3B | 23.6B | 24.8B | 27.3B | 32.7B | 38.2B | 40.0B | 49.4B | 56.3B | 62.5B | 62.3B |
| Total Liabilities | 12.9B | 12.9B | 13.2B | 15.2B | 16.9B | 18.2B | 23.0B | 28.0B | 31.5B | 36.2B | 42.5B | 47.1B | 47.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 7.8B | 8.6B | 9.4B | 9.7B | 9.5B | 10.3B | 10.6B | 11.7B | 12.0B | 14.3B | 15.3B | 16.6B | 17.1B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 25.91 | 22.10 | 11.51 | 3.95 | -1.82 | 11.03 | 3.76 | 34.62 | 15.19 | 60.19 | 31.78 | 37.80 | 27.00 |
| Owner EPS | 25.69 | 30.24 | 19.71 | 16.40 | 8.35 | 26.17 | 40.72 | 96.41 | 94.13 | 108.96 | 114.53 | 72.26 | 36.46 |
| Book Value | 185.20 | 211.69 | 117.25 | 120.80 | 113.59 | 131.48 | 139.70 | 257.91 | 217.69 | 319.38 | 324.70 | 371.54 | 205.25 |
| Cash Flow/Share | 26.22 | 30.83 | 20.09 | 16.84 | 8.82 | 26.66 | 41.28 | 97.50 | 95.29 | 110.15 | 116.00 | 73.73 | 26.98 |
| Dividends/Share | 3.20 | 4.00 | 2.84 | 3.00 | 3.12 | 3.37 | 3.58 | 6.20 | 6.50 | 6.80 | 7.75 | 8.00 | 4.43 |
| Shares Out. | 40.2M | 35.9M | 68.9M | 69.0M | 69.2M | 69.5M | 69.6M | 39.3M | 38.8M | 41.3M | 42.7M | 41.6M | 74.5M |
| Valuation | |||||||||||||
| P/E Ratio | 5.2 | 6.8 | 7.6 | 16.6 | 85.9 | 9.9 | 16.4 | 7.4 | 20.9 | 5.7 | 11.2 | 8.9 | 14.3 |
| P/FCF | 5.2 | 4.9 | 8.9 | 11.2 | 21.1 | 9.1 | 5.1 | 2.6 | 3.3 | 3.1 | 3.1 | 4.6 | N/A |
| EV/EBIT | 3.2 | N/A | 6.2 | N/A | N/A | 8.3 | 12.8 | 6.1 | N/A | 5.7 | 94.8 | 6.0 | N/A |
| Price/Book | 0.8 | 0.9 | 0.9 | 0.9 | 1.0 | 1.1 | 0.9 | 1.0 | 1.5 | 1.1 | 1.1 | 0.9 | 1.9 |
| Price/Sales | 1.0 | 1.1 | 1.1 | 1.2 | 1.1 | 1.1 | 0.8 | 0.8 | 0.9 | 1.0 | 0.9 | 0.8 | 1.7 |
| FCF Yield | 16.8% | 16.7% | 18.4% | 14.9% | 8.0% | 18.6% | 34.1% | 37.7% | 29.6% | 31.9% | 32.2% | 21.6% | N/A |
| Market Cap | 6.3B | 6.6B | 7.5B | 7.8B | 7.6B | 10.0B | 8.4B | 10.2B | 12.5B | 14.3B | 15.4B | 14.2B | 28.7B |
| Avg. Price | 124.82 | 144.07 | 156.12 | 199.58 | 196.10 | 212.29 | 197.97 | 235.02 | 270.24 | 352.49 | 368.62 | 340.29 | 385.12 |
| Year-End Price | 135.95 | 150.18 | 179.05 | 188.81 | 186.35 | 243.78 | 209.64 | 255.04 | 317.77 | 341.69 | 355.86 | 337.53 | 385.12 |
EVEREST GROUP, LTD. passes 5 of 9 quality checks, suggesting mixed fundamentals.
EVEREST GROUP, LTD. trades at 10.2x trailing earnings, compared to its 15-year median P/E of 10.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 5.3x vs a median of 4.8x. The company's 5-year average ROIC is 12.5% with a gross margin of 10.4%. Total shareholder yield (dividends + buybacks) is 4.4%. At current prices, the estimated annualized return to fair value is +19.2%.
EVEREST GROUP, LTD. (EG) has a net profit margin of 9.0%. This is a modest margin.
EVEREST GROUP, LTD. (EG) generated $3.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EVEREST GROUP, LTD. (EG) has a debt-to-equity ratio of 0.15. This indicates a conservatively financed balance sheet.
EVEREST GROUP, LTD. (EG) reported earnings per share (EPS) of $37.80 in its most recent fiscal year.
EVEREST GROUP, LTD. (EG) has a return on equity (ROE) of 10.7%. This indicates moderate shareholder returns.
EVEREST GROUP, LTD. (EG) has a 5-year average gross margin of 10.4%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 18 years of financial data for EVEREST GROUP, LTD. (EG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EVEREST GROUP, LTD. (EG) has a book value per share of $371.54, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management is executing a clear plan to sharpen underwriting discipline, drive operating leverage, and concentrate on specialty and wholesale segments where Everest has competitive advantage, with the retail business transition to AIG progressing as planned and meaningful capital release expected to become visible in the back half of 2026. The company expects the Insurance segment to run at a combined ratio above 110% for fiscal year 2026 driven primarily by higher expenses during the transition, with approximately $150 million of restructuring charges throughout 2026 associated with the commercial retail insurance exit, including approximately $80 million of real estate-related costs expected in the fourth quarter. Property catastrophe market conditions are expected to remain challenging with rates anticipated to decline in the mid-teens zone at the mid-year renewals, though expected returns on the written portfolio are expected to remain above the company's thresholds, and the company expects to continue deploying capital where return expectations are clearly above its threshold. Management expects a quarterly floor of $300 million for common share repurchases in 2026 with potential for augmentation later in the year depending on catastrophe season outcomes and capital release from the renewal rights transaction, and anticipates an elevated payout ratio for 2026 assuming relatively normal catastrophe activity.
Based on recent SEC filings and earnings calls, EVEREST GROUP, LTD. (EG) has provided the following forward guidance: Real estate-related costs: approximately $80 million (Q4 2026); Insurance segment combined ratio: above 110% (FY2026); Other segment combined ratio: above 110% (FY2026); Common share repurchases quarterly floor: $300 million (FY2026); Monthly net expense benefit from AIG: $10 million (First nine months of 2026).