Financial Services / Insurance - Property & CasualtyNYSE
$288.93
-2.96 (-1.01%)
Book/ROE base 3Y
$271.73
-2.0% CAGR · P/B 1.4x
Book/ROE base 5Y
$328.79
+2.6% base · +3.9% expected
Precio de entrada
$154.87
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $144.53 · quality 53.0/100
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
45/100
C
Piotroski
5/9
balance/quality
Valuation
21/100
-29.5% upside
5Y CAGR
+3.9%
66/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$61.4B
P/E
10.9x
↓EV/EBITDA
N/A
•ROE
19.1%
↑Gross Margin
N/A
•Debt/Equity
0.01
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2007–2025 · 18 años de histórico normalizado
Revenue CAGR
+3.6%
FCF CAGR
—
FCF margin
21.7%
FCF / Net income
1.69x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $48.83B · net income $6.29B · FCF $10.61B
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 | $48.83B | $48.83B | $46.42B | $41.36B | $36.88B | $34.82B | $31.98B | $31.58B | $30.28B | $28.90B | $27.63B | $26.82B | $6.78B | $26.19B | $25.74B | $6.37B | $25.11B | $24.68B | $24.48B | $26.02B |
| Net Income | $6.29B | $6.29B | $5.00B | $2.99B | $2.84B | $3.66B | $2.70B | $2.62B | $2.52B | $2.06B | $3.01B | $3.44B | $1.04B | $3.67B | $2.47B | $1.43B | $3.22B | $3.62B | $2.92B | — |
| EPS | 27.43 | 27.43 | 21.47 | 12.79 | 11.77 | 14.49 | 10.52 | 9.92 | 9.28 | 7.33 | 10.28 | 10.88 | 3.11 | 9.74 | 6.30 | 1.51 | 6.62 | 6.33 | 4.81 | 6.85 |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — | 53.7% | 13.6% | 9.5% | 21.8% | 12.1% | 14.6% | — | — |
| Net Margin | 12.9% | 12.9% | 10.8% | 7.2% | 7.7% | 10.5% | 8.4% | 8.3% | 8.3% | 7.1% | 10.9% | 12.8% | 15.3% | 14.0% | 9.6% | 5.6% | 12.8% | 14.7% | 11.9% | — |
| Balance Sheet | ||||||||||||||||||||
| Debt/Equity | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.26 | 0.26 | 0.27 | 0.27 | 0.26 | 0.24 | — | — |
| Current Ratio | 0.34 | 0.34 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | ||||||||||||||||||||
| Free Cash Flow | $10.61B | $10.61B | $9.07B | $7.71B | $6.46B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Returns | ||||||||||||||||||||
| ROE | 19.1% | 19.1% | 17.9% | 12.0% | 13.2% | 12.7% | 9.2% | 10.1% | 11.0% | 8.7% | 13.0% | 14.6% | 4.2% | 14.8% | — | — | — | — | — | — |
| Valuation | ||||||||||||||||||||
| P/E | 10.90 | 10.90 | 13.93 | 23.38 | 25.40 | 20.63 | 28.42 | 30.14 | 32.22 | 40.79 | 29.08 | 27.48 | 96.14 | 30.70 | 47.46 | 198.01 | 45.16 | 47.23 | 62.16 | 43.65 |
| P/B | 2.07 | 2.07 | 2.48 | 2.79 | 3.32 | 2.60 | 2.61 | 3.02 | 3.52 | 3.51 | 3.75 | 3.98 | 4.12 | 4.51 | 4.59 | 5.14 | 5.66 | 6.20 | 7.14 | 7.51 |
| Growth & Yield | ||||||||||||||||||||
| Revenue Growth | 5.2% | 5.2% | 12.2% | 12.1% | 5.9% | 8.9% | 1.3% | 4.3% | 4.8% | 4.6% | 3.0% | 295.3% | -74.1% | 1.8% | 303.9% | -74.6% | 1.8% | 0.8% | -5.9% | — |
| EPS Growth | 27.8% | 27.8% | 67.9% | 8.7% | -18.8% | 37.7% | 6.0% | 6.9% | 26.6% | -28.7% | -5.5% | 249.8% | -68.1% | 54.6% | 317.2% | -77.2% | 4.6% | 31.6% | -29.8% | — |
| Dividend Yield | 1.7% | 1.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.2%
EPS terminal req.
$25.64
Spread vs growth
30.0%
5Y implied EPS CAGR
2.5%
EPS terminal req.
$31.02
Spread vs growth
25.3%
10Y implied EPS CAGR
6.2%
EPS terminal req.
$49.96
Spread vs growth
21.6%
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
+6.5%
Start / end P/E
12.8x → 10.5x
EPS bridge
21.47 → 27.43
Residual
-5.0%
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.