Everest Group, Ltd.

Insurance—Diversified

EGSolid8 of 11 basics passed

$368.37

-1.27%

Market cap $14.1B

$368.37

-1.27%

Market cap $14.1B

Everest Group Ltd is a Bermuda-based reinsurance and insurance organization. It operates in the Reinsurance and Insurance business.

It is a $14.1B financial services company. Revenue shrank 5.1% over the last year, and it keeps 11¢ of every dollar of sales as profit. It trades at 7.4× earnings — around the middle of its own history.

Website: everestglobal.com
Location: Hamilton, D0
Employees: 3 064
Sector: Financial Services

Share price · 3 years

$385.31 → $368.37-4.4%

price only — dividends excluded

Key facts · TTM

Revenue: total sales; $16.8B
Profit: keeps 11¢ of every $1 sold; $1.91B
Free cash flow: cash left after running the business; $2.00B
P/E: years of profit in the price; 7.4
EPS: earnings per share, TTM; $45.47
Dividend: pays out 17% of profit · 16% of FCF; 2.29%
Shares: up 7% since 2021 — dilution; 42.1M
Volatility: beta vs the market — under 1 swings less; 0.25

Revenue, last 5 years

52-week range

Low $304.91$368.37High $398.70

Today's price is 68% of the way from the year's low to its high.

P/E vs its history3y

7.4×median 7.6×

Higher than 46% of past days — around the middle of its own history.

Valuation vs own history

P/E

7.4×

54%

P/S

0.8×

68%

EV/EBITDA

6.8×

72%

P/B

0.9×

83%

Share of the last ~5 years that was pricier than today (cheaper than usual). Based on the daily valuation record.

Standing in Financial Services

Size$14.1Btop 69%
Revenue growth+12%top 38%
Net margin11%top 68%
Return on equity12%top 52%
P/E7.4×top 5%
Dividend yield2.29%top 42%

Ranked against 129 Financial Services companies with a full CV — for P/E, lower ranks higher.

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Strong valuation; Health and Moat lag behind.

Valuation87

P/E vs own history46th pct · 12/25
FCF yield14.2% · 25/25
P/S0.8x · 25/25
EV/EBITDA6.9x · 25/25

Growth52

Revenue CAGR10.3% · 20/25
Net income CAGR4.0% · 6/25
EPS CAGR ~5Y2.2% · 6/25
Fwd implied growth15.1% · 20/25

Profitability56

ROIC12.8% · 12/25
ROE12.4% · 12/25
Net margin11.4% · 20/25
Operating margin14.3% · 12/25

Health40

Altman Z0.61 · 3/25
Current ratio1.19 · 12/25
Interest coverage13.4x · 25/25
Net cash / debtn/a · 0/25

Quality60

Piotroski F5/9 · 15/25
Beneish M-2.62 · 25/25
FCF conversionn/a · 0/25
Margin stabilityσ 6.0% · 20/25

Moat18

ROIC >12% years2/5 yrs · 6/25
Median gross marginn/a · 0/25
FCF-positive yearsn/a · 0/25
Worst-year net marginworst 4.8% · 12/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

FY2023Financial
Best year on record
$2.52B net income
FY2021Financial
Profitable every year on record
5 consecutive profitable years in our data
FY2021Financial
Revenue already above $10B
$11.8B in first reported year
FY2021Financial
Positive free cash flow every year since
5-year streak

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2023 would be worth ~$10 614 today — price return only

$17.5B revenue in FY2025

Profitable 5 years in a row

Positive free cash flow 5 years in a row

3 064 employees

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

Interest covered 13.4× by operating earnings

Watch-outs

Revenue shrinking 5.1% year over year
Altman Z-Score 0.61 — elevated financial-distress risk

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

8 of 11 checks passed

Revenue growing — the company sells more than a year ago-5.1% YoY
Profitable — makes more than it spends$1.91B TTM
Profit growing — earnings are higher than last year+35.7% YoY
Generates cash — cash left after running and investing$2.00B TTM
Debt under control — could handle its obligationscurrent ratio 1.19
Established company — not a micro-cap — lower blow-up risk$14.1B market cap
Not printing shares — share count not ballooning — you keep your slice+7.1% shares over ~5y
Proven track record — years of profitability behind it5/5 profitable years
Financially stable — balance sheet not near distressAltman Z 0.6 — distress
Pays a dividend — returns cash to shareholdersyield 2.29%
Valuation not extreme — price not wildly above earningsP/E 7.4

Peer comparisonEverest Group, Ltd. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾

Company	Market cap	P/E	Revenue growth	Net margin	Profile
EG this company	$14.1B	7.4	-5.1%	11.4%	Solid
BRK.A Berkshire Hathaway Inc.	$1.1T	11.6	+3.9%	22.3%	Mixed
BRK.B Berkshire Hathaway	$1.1T	11.6	+0.0%	18.0%	Strong
JPM JPMorgan Chase & Co.	$886.2B	13.6	+13.5%	32.6%	Strained
V VISA Inc.	$723.9B	31.9	+14.4%	50.8%	Solid
MA Mastercard Incorporated	$516.4B	31.7	+16.0%	46.3%	Mixed
BAC Bank of America Corporation	$380.4B	11.3	+15.9%	27.8%	Mixed

Head-to-head: EG vs BRK.A · EG vs BRK.B · EG vs JPM

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 5Buy 8Hold 14

Appendix · Financial records

The full statements behind this CV, FY2021–FY2025. For readers who want to check the numbers.

Profit & lossRevenue $16.8B · net income $1.91B (TTM)Open ▾

Profit & loss

Revenue and profit over the company's career — the income statement, visualised.

RevenueNet income

Revenue (TTM)

$16.8B

YoY -5.1%

Net income (TTM)

$1.91B

Margin 11.4%

Operating margin

14.3%

P/E ratio

7.4

Dividend yield

2.29%

Income statement — full detail

Figures in USD billions · EPS in USD

	2021	2022	2023	2024	2025
Revenue	11.8	12.2	14.6	17.3	17.5
Gross profit	—	—	—	—	—
Operating income (EBIT)	1.6	0.8	2.2	1.5	1.9
Net income	1.4	0.6	2.5	1.4	1.6
EPS (diluted)	34.62	15.18	60.19	31.78	37.80

Cash flowFree cash flow $2.00B · operating cash flow $2.00B (TTM)Open ▾

Cash flow statement

Cash generated by the business and what is left after investment — year by year.

Operating cash flowFree cash flow

Free cash flow (TTM)

$2.00B

Margin 11.9%

Operating cash flow (TTM)

$2.00B

Cash flow statement — full detail

Figures in USD billions

	2021	2022	2023	2024	2025
Operating cash flow	3.8	3.7	4.6	5.0	3.1
Capital expenditure	—	—	—	—	—
Free cash flow	3.8	3.7	4.6	5.0	3.1
FCF margin	32.4%	30.4%	31.2%	28.7%	17.5%

Balance sheetAssets $62.5B · debt n/a (FY2025)Open ▾

Balance sheet

How the balance sheet is built — what it owns versus how it is financed.

How $62.5B of assets is financed

75%

25%

Liabilities $47.1B — borrowed moneyEquity $15.5B — owners' stake

Altman Z-Score

0.61

Distress zone

Interest coverage

13.4x

EBIT ÷ interest expense

ROE

12.4%

Profit per $1 of equity

Balance sheet — full detail

Figures in USD billions

	2021	2022	2023	2024	2025
Cash & equivalents	1.4	1.4	2.1	4.7	3.0
Total assets	38.2	40.0	49.4	56.3	62.5
Total liabilities	—	—	36.2	42.5	47.1
Total debt	3.2	3.2	—	—	—
Equity	10.1	8.4	13.2	13.9	15.5
Net debt	1.8	1.8	—	—	—

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of EG on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $368.37 · market cap $14.1B.