Financial Services / Insurance - Property & CasualtyNYSE
$207.55
+1.46 (+0.71%)
Book/ROE base 3Y
$343.64
+18.3% CAGR · P/B 2.3x
Book/ROE base 5Y
$415.81
+14.9% base · +15.6% expected
Precio de entrada
$189.11
MOS 20% · confianza 85%
Book/ROE escenarios
audited · book/share $114.60 · quality 26.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
51/100
C
Piotroski
5/9
balance/quality
Valuation
74/100
+24.2% upside
5Y CAGR
+15.6%
100/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$53.4B
P/E
5.6x
↓EV/EBITDA
N/A
•ROE
33.6%
↑Gross Margin
N/A
•Debt/Equity
0.24
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+3.4%
FCF CAGR
+3.7%
FCF margin
14.6%
FCF / Net income
0.96x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $67.69B · net income $10.28B · FCF $9.88B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025SEC | 2024SEC | 2023SEC | 2022SEC | 2021SEC | 2020SEC | 2019SEC | 2018SEC | 2017SEC | 2016SEC | 2015SEC | 2014SEC | 2013SEC | 2012SEC | 2011SEC | 2010SEC | 2009SEC | 2008SEC | 2007SEC |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $67.69B | $67.69B | $64.11B | $57.09B | $51.41B | $50.60B | $41.91B | $41.54B | $39.81B | $39.41B | $9.28B | $35.65B | $35.24B | $34.51B | $33.31B | $32.65B | $31.40B | $32.01B | $29.39B | $36.77B |
| Net Income | $10.28B | $10.28B | $4.67B | $-188.0M | $-1.29B | $1.61B | $5.58B | $4.85B | $2.16B | $3.55B | $1.88B | $2.17B | $2.85B | $2.28B | $2.31B | $787.0M | $911.0M | $854.0M | $-1.68B | $4.64B |
| EPS | 38.06 | 38.06 | 16.99 | -1.20 | -5.14 | 5.01 | 17.31 | 14.03 | 5.70 | 9.35 | 2.18 | 5.05 | 6.27 | 4.81 | 4.68 | 1.50 | 1.71 | 1.58 | -3.06 | 7.76 |
| Net Margin | 15.2% | 15.2% | 7.3% | -0.3% | -2.5% | 3.2% | 13.3% | 11.7% | 5.4% | 9.0% | 20.2% | 6.1% | 8.1% | 6.6% | 6.9% | 2.4% | 2.9% | 2.7% | -5.7% | 12.6% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.24 | 0.24 | 0.38 | 0.45 | 0.46 | 0.32 | 0.26 | 0.26 | 0.30 | 0.28 | 0.31 | 0.26 | 0.23 | 0.29 | 0.01 | 0.02 | 0.00 | 0.35 | 0.45 | — |
| Current Ratio | 0.36 | 0.36 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $9.88B | $9.88B | $8.72B | $3.96B | $4.70B | $4.77B | $5.18B | $4.70B | $4.90B | $4.01B | $3.68B | $3.31B | $2.95B | $4.04B | $2.77B | $1.68B | $3.53B | $4.11B | $3.62B | $5.16B |
| Returns | ||||||||||||||||||||
| ROE | 33.6% | 33.6% | 21.8% | -1.1% | -7.4% | 6.5% | 18.5% | 18.6% | 10.1% | 15.8% | 9.1% | 10.8% | 12.8% | 10.6% | 11.2% | 4.3% | 4.8% | 5.1% | -13.3% | — |
| Valuation | ||||||||||||||||||||
| P/E | 5.58 | 5.58 | 12.50 | — | — | 42.39 | 12.27 | 15.14 | 37.26 | 22.71 | 97.42 | 42.05 | 33.87 | 44.15 | 45.38 | 141.58 | 124.20 | 134.42 | — | 27.37 |
| P/B | 1.85 | 1.85 | 2.65 | 3.14 | 3.29 | 2.55 | 2.22 | 2.72 | 3.52 | 3.46 | 3.89 | 4.31 | 4.17 | 4.65 | 5.09 | 6.07 | 6.06 | 6.88 | 9.21 | 5.79 |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 5.6% | 5.6% | 12.3% | 11.1% | 1.6% | 20.7% | 0.9% | 4.3% | 1.0% | 324.7% | -74.0% | 1.2% | 2.1% | 3.6% | 2.0% | 4.0% | -1.9% | 8.9% | -20.1% | — |
| EPS Growth | 124.0% | 124.0% | 1515.8% | 76.7% | -202.6% | -71.1% | 23.4% | 146.1% | -39.0% | 328.9% | -56.8% | -19.5% | 30.4% | 2.8% | 212.0% | -12.3% | 8.2% | 151.6% | -139.4% | — |
| Dividend Yield | 2.1% | 2.1% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-21.5%
EPS terminal req.
$18.42
Spread vs growth
145.5%
5Y implied EPS CAGR
-10.2%
EPS terminal req.
$22.28
Spread vs growth
134.2%
10Y implied EPS CAGR
-0.6%
EPS terminal req.
$35.89
Spread vs growth
124.6%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+1.0%
Start / end P/E
12.4x → 5.5x
EPS bridge
16.99 → 38.06
Residual
-69.3%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.