Financial Services / Insurance - Property & CasualtyNYSE
$64.35
+0.81 (+1.27%)
Book/ROE base 3Y
$72.17
+3.9% CAGR · P/B 2.2x
Book/ROE base 5Y
$87.33
+6.3% base · +6.8% expected
Precio de entrada
$41.30
MOS 17% · confianza 92%
Book/ROE escenarios
audited · book/share $24.26 · quality 74.0/100
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
29/100
D
Piotroski
5/9
balance/quality
Valuation
34/100
-15.6% upside
5Y CAGR
+6.8%
77/100
Data QA
90/100
SEC 100%
Sin guardar todavía.
Market Cap
$24.0B
P/E
14.7x
↑EV/EBITDA
N/A
•ROE
18.3%
↑Gross Margin
N/A
•Debt/Equity
0.29
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2008–2025 · 17 años de histórico normalizado
Revenue CAGR
+6.9%
FCF CAGR
+5.1%
FCF margin
23.2%
FCF / Net income
1.92x
Latest source
SEC-backed
Margin decomposition
Último año: revenue $14.71B · net income $1.78B · FCF $3.41B
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||
| Revenue | $14.71B | $14.71B | $13.64B | $12.14B | $11.17B | $9.46B | $8.10B | $7.90B | $7.69B | $7.68B | $7.65B | $7.21B | $7.13B | $1.70B | $5.82B | $5.16B | $1.23B | $4.43B | $4.71B |
| Net Income | $1.78B | $1.78B | $1.76B | $1.38B | $1.38B | $1.02B | $530.7M | $681.9M | $640.7M | $549.1M | $601.9M | $503.7M | $648.9M | $130.4M | $510.6M | $391.2M | $126.9M | $309.1M | $281.1M |
| EPS | 4.45 | 4.45 | 4.36 | 3.37 | 3.29 | 3.66 | 1.87 | 3.52 | 3.33 | 2.84 | 4.68 | 3.87 | 4.86 | 3.55 | 3.56 | 2.69 | 2.88 | 1.86 | 1.62 |
| Net Margin | 12.1% | 12.1% | 12.9% | 11.4% | 12.4% | 10.8% | 6.6% | 8.6% | 8.3% | 7.1% | 7.9% | 7.0% | 9.1% | 7.7% | 8.8% | 7.6% | 10.3% | 7.0% | 6.0% |
| Balance Sheet | |||||||||||||||||||
| Debt/Equity | 0.29 | 0.29 | 0.34 | 0.38 | 0.42 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | 0.39 | 0.39 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cash Flow | |||||||||||||||||||
| Free Cash Flow | $3.41B | $3.41B | $3.57B | $2.88B | $2.52B | — | — | $1.08B | $570.3M | $595.2M | $797.5M | $817.7M | $692.9M | $756.6M | $634.9M | $625.0M | $401.7M | $285.6M | $1.47B |
| Returns | |||||||||||||||||||
| ROE | 18.3% | 18.3% | 20.9% | 18.5% | 20.5% | 15.4% | 8.4% | 11.2% | 11.8% | 10.1% | 11.9% | 10.9% | 14.1% | 3.0% | 11.9% | 9.9% | 3.4% | 8.6% | — |
| Valuation | |||||||||||||||||||
| P/E | 14.67 | 14.67 | 14.97 | 19.37 | 19.84 | 17.84 | 34.91 | 18.55 | 19.61 | 22.99 | 13.95 | 16.87 | 13.43 | 18.39 | 18.34 | 24.27 | 22.67 | 35.10 | 40.30 |
| P/B | 2.69 | 2.69 | 3.14 | 3.59 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.66 | 1.85 | 1.90 | 2.12 | 2.17 | 2.41 | 2.73 | 3.02 | — |
| Growth & Yield | |||||||||||||||||||
| Revenue Growth | 7.8% | 7.8% | 12.3% | 8.7% | 18.1% | 16.7% | 2.5% | 2.7% | 0.1% | 0.4% | 6.2% | 1.1% | 320.2% | -70.9% | 12.9% | 318.7% | -72.2% | -5.9% | — |
| EPS Growth | 2.1% | 2.1% | 29.4% | 2.4% | -10.1% | 95.7% | -46.9% | 5.7% | 17.3% | -39.3% | 20.9% | -20.4% | 36.9% | -0.3% | 32.3% | -6.6% | 54.8% | 14.8% | — |
| Dividend Yield | 0.6% | 0.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.7%
EPS terminal req.
$5.71
Spread vs growth
-6.6%
5Y implied EPS CAGR
9.2%
EPS terminal req.
$6.91
Spread vs growth
-7.1%
10Y implied EPS CAGR
9.6%
EPS terminal req.
$11.13
Spread vs growth
-7.5%
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
-13.3%
Start / end P/E
17.1x → 14.5x
EPS bridge
4.36 → 4.45
Residual
-0.3%
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.