Everest Group (EG)
Financials · $14.1B market cap · SEC CIK 0001095073
fundamentals score out of 100
Next reports on Oct 26, 2026, after the close, with analysts expecting $8.61 in earnings per share.
The case for EG
- Cheap on earnings at 7.4×, well under the market's usual 20×.
- Trades at 0.92× book value, below what the balance sheet says it owns.
- Earnings per share up 149.6%.
- A PEG of 0.05: a P/E of 7.4× is low for EPS growing 150%.
- Has compounded revenue at 12.8% a year over five years.
- Moves less than the market (beta 0.25).
The case against
- Revenue fell 5.0% year over year.
- Profitability is weak (39/100): return on equity 12%, net margin 11.4%.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 93 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 61 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 39 |
| Momentumhow the price has behaved lately | 67 |
| Stabilityhow violently it moves, what it owes and what it pays you | 85 |
- Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
- Each factor except momentum is half fixed thresholds, half rank among the 74 Financials companies.
Key numbers
| Price / earnings | 7.4× |
|---|---|
| Price / book | 0.92× |
| Price / sales | 0.8× |
| Revenue growth (YoY) | -5.0% |
| EPS growth (YoY) | +149.6% |
| Gross margin | — |
| Operating margin | 14% |
| Net margin | 11% |
| Return on equity | 12% |
| Debt / equity | 0.23× |
| Current ratio | 1.19 |
| Dividend yield | 1.69% |
| Beta | 0.25 |
| 52-week range | $302.44 – $401.07 |
| Position in that range | 69% of the way up |
| 3-month return | +10.1% |
| 1-year return | +10.1% |
Five years of financials, as filed
Pulled from Everest Group's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $17.5B | $17.3B | $14.6B | $12.1B | $11.9B |
| Net income | $1.6B | $1.4B | $2.5B | $597M | $1.4B |
| Operating cash flow | $3.1B | $5.0B | $4.6B | $3.7B | $3.8B |
| Total assets | $62.5B | $56.3B | $49.4B | $40.0B | $38.2B |
| Total liabilities | $47.1B | $42.5B | $36.2B | $31.5B | $28.0B |
| Shareholder equity | $15.5B | $13.9B | $13.2B | $8.4B | $10.1B |
| Cash | $1.3B | $1.5B | $1.4B | $1.4B | $1.4B |
| Net margin | 9.1% | 7.9% | 17.3% | 5.0% | 11.6% |
| Diluted shares | 41.6M | 42.7M | 41.3M | 38.8M | 39.3M |
Share count is up 5.9% over 4 years. Mild issuance.
What Everest Group says it does
The Company. Everest is a Bermuda-based reinsurance and insurance organization. As part of the Standard & Poor’s ("S&P") 500 Index, we are a leading financial services institution focused on diversifying our portfolio and geographic presence. Through our direct and indirect subsidiaries operating in the U.S. and internationally, we serve a diverse group of clients worldwide, providing what we believe are extensive product and distribution capabilities, a strong balance sheet, an innovative culture and access to world-class talent. At December 31, 2025, we had shareholders’ equity of $15.5 billion and total assets of $62.5 billion. Our Operations. The Company’s principal business, conducted through its Reinsurance and Insurance reportable segments, is the underwriting of reinsurance and insurance in the U.S., Bermuda and other international markets. Our global network spans more than 100 countries across six continents. In 2025, the…
Risk factors EG lists in its 10-K
- Our results could be adversely affected by catastrophic events
- Our losses from future catastrophic events could exceed our projections
- Unfavorable loss development may adversely affect our business, financial condition, results of operations or liquidity
- If we are unable to or choose not to purchase reinsurance and transfer risk to the reinsurance markets, our net income could be reduced or we could incur a net loss in the event of unusual loss experience
- The failure to accurately assess underwriting risk and establish adequate premium rates could reduce our net income or result in a net loss
- Decreases in pricing for property and casualty reinsurance and insurance could reduce our net income
- The effects of emerging claim and coverage issues on our business are uncertain
- A decline in our financial strength ratings could adversely affect our standing among cedents and broker partners and our ability to grow premiums and earnings
- A decline in our debt ratings could increase our borrowing costs and adversely affect our ability to access capital markets at attractive rates
- The failure of our insureds, intermediaries and reinsurers to satisfy their obligations to us could reduce our income
- The value of our overall investment income could decline due to changed conditions in the financial markets and prevailing general economic conditions
- The failure to maintain access to enough cash, readily salable or unencumbered financial assets to meet near-term financial obligations may adversely impact business relations and creditworthiness
- We may require additional capital or financing sources in the future, which may not be available or may be available only on unfavorable terms
- Because of our holding company structure, our ability to pay dividends, interest and principal is dependent on receiving dividends, loan payments and other funds from our subsidiaries