Financial Services / Insurance - Property & CasualtyNYSE
$310.81
-0.93 (-0.30%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 58.0/100
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
37/100
D
Piotroski
6/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$120.5B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
14.0%
↑Gross Margin
N/A
•Debt/Equity
0.23
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+8.3%
FCF CAGR
—
FCF margin
21.4%
FCF / Net income
1.24x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $59.78B · net income $10.31B · FCF $12.82B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||
| Revenue | $59.78B | $59.78B | $56.01B | $49.83B | $43.05B | $40.87B | $35.99B | $34.19B | $32.72B | $32.24B | $31.47B | $18.99B | $19.17B | $19.26B | $17.94B | $16.83B | $16.01B | $15.07B | $13.63B | $14.15B |
| Net Income | $10.31B | $10.31B | $9.27B | $9.03B | $5.25B | $8.53B | $3.53B | $4.45B | $3.96B | $3.86B | $4.13B | $2.83B | $2.85B | $3.76B | $2.71B | $1.54B | $3.08B | $2.55B | $1.20B | $2.58B |
| EPS | 25.68 | 25.68 | 22.51 | 21.80 | 12.55 | 19.24 | 7.79 | 9.71 | 8.49 | 8.19 | 8.87 | 8.62 | 8.42 | 10.92 | 7.89 | 4.52 | 9.04 | 7.55 | 3.50 | 7.63 |
| Net Margin | 17.2% | 17.2% | 16.6% | 18.1% | 12.2% | 20.9% | 9.8% | 13.0% | 12.1% | 12.0% | 13.1% | 14.9% | 14.9% | 19.5% | 15.1% | 9.1% | 19.3% | 16.9% | 8.8% | 18.2% |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.23 | 0.23 | 0.24 | 0.24 | 0.29 | 0.26 | 0.25 | 0.25 | 0.24 | 0.23 | 0.26 | 0.32 | 0.11 | — | — | — | — | — | — | — |
| Current Ratio | 0.39 | 0.39 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $12.82B | $12.82B | $16.18B | $12.63B | $11.26B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 14.0% | 14.0% | 14.5% | 15.2% | 10.4% | 14.6% | 5.9% | 8.0% | 7.9% | 7.5% | 8.6% | 9.7% | 9.6% | — | — | — | — | — | — | — |
| Valuation | ||||||||||||||||||||
| P/E | 10.99 | 10.99 | 12.07 | 10.44 | 18.24 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 1.69 | 1.69 | 1.75 | 1.58 | 1.92 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 6.7% | 6.7% | 12.4% | 15.7% | — | 13.5% | 5.3% | 4.5% | 1.5% | 2.5% | 65.7% | -1.0% | -0.5% | 7.4% | 6.5% | 5.2% | 6.2% | 10.6% | -3.7% | — |
| EPS Growth | 14.1% | 14.1% | 3.3% | 73.7% | — | 147.0% | -19.8% | 14.4% | 3.7% | -7.7% | 2.9% | 2.4% | -22.9% | 38.4% | 74.6% | -50.0% | 19.7% | 115.7% | -54.1% | — |
| Dividend Yield | 1.3% | 1.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
2.4%
EPS terminal req.
$27.58
Spread vs growth
11.7%
5Y implied EPS CAGR
5.4%
EPS terminal req.
$33.37
Spread vs growth
8.7%
10Y implied EPS CAGR
7.7%
EPS terminal req.
$53.74
Spread vs growth
6.4%
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
+5.9%
Start / end P/E
13.2x → 12.1x
EPS bridge
22.51 → 25.68
Residual
-1.2%
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.