📊 EG Key Takeaways
Is EG a Good Investment? Thesis Analysis
Everest Group demonstrates solid financial health with strong cash generation (17.5% FCF margin, $3.1B operating cash flow) and exceptional liquidity (87.9x interest coverage, 0.0x debt/equity). While modest revenue growth (+1.2% YoY) and moderate profitability margins (9.1% net margin, 10.3% ROE) suggest a mature insurance business, the company's substantial asset base ($62.5B), improved EPS growth (+18.9% YoY), and consistent operational cash conversion support a constructive outlook.
Why Buy EG? Key Strengths
- Exceptional balance sheet strength with zero debt and industry-leading interest coverage ratio of 87.9x
- Robust cash generation with 17.5% free cash flow margin and $3.1B operating cash flow demonstrating efficient capital conversion
- Accelerating earnings per share growth of 18.9% year-over-year outpacing net income growth of 1.1%, indicating share buybacks or capital optimization
- Significant scale with $62.5B in total assets providing competitive advantages and risk diversification in insurance underwriting
EG Investment Risks to Consider
- Modest topline growth of only 1.2% year-over-year suggests limited organic expansion in a mature insurance market
- Moderate return on equity of 10.3% and return on assets of 2.5% indicate capital deployment efficiency below optimal levels
- High proportion of liabilities relative to assets (75.3% liability-to-asset ratio) typical of insurance but suggests significant underwriting exposure concentration
- Limited visibility into operational efficiency trends given absence of gross margin and capex data in insurance business model
Key Metrics to Watch
- Operating margin sustainability and trend direction given 10.8% current level
- Free cash flow consistency and capacity to maintain 17.5% FCF margin amid premium growth cycles
- Combined ratio progression and underwriting profitability as key insurance industry profitability indicator
- Return on equity improvement trajectory toward higher industry benchmarks
- Revenue growth acceleration trajectory and new business premium writings
EG Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
EG Profitability Ratios
EG vs Finance Sector
How EVEREST GROUP, LTD. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is EG Overvalued or Undervalued?
Based on fundamental analysis, EVEREST GROUP, LTD. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
EG Balance Sheet & Liquidity
EG 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: EVEREST GROUP, LTD.'s revenue has grown significantly by 47% over the 5-year period, indicating strong business expansion. The most recent EPS of $60.19 reflects profitable operations.
EG Growth Metrics (YoY)
EG Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $4.3B | $255.0M | $6.09 |
| Q2 2025 | $4.2B | $680.0M | $16.10 |
| Q1 2025 | $4.1B | $210.0M | $4.90 |
| Q3 2024 | $4.0B | $509.0M | $11.80 |
| Q2 2024 | $3.7B | $670.0M | $16.26 |
| Q1 2024 | $3.3B | $365.0M | $9.31 |
| Q3 2023 | $3.1B | $101.0M | $2.57 |
| Q2 2023 | $2.8B | $123.0M | $3.11 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
EG Capital Allocation
EG SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for EVEREST GROUP, LTD. (CIK: 0001095073)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EG
What is the AI rating for EG?
EVEREST GROUP, LTD. (EG) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are EG's key strengths?
Claude: Exceptional balance sheet strength with zero debt and industry-leading interest coverage ratio of 87.9x. Robust cash generation with 17.5% free cash flow margin and $3.1B operating cash flow demonstrating efficient capital conversion.
What are the risks of investing in EG?
Claude: Modest topline growth of only 1.2% year-over-year suggests limited organic expansion in a mature insurance market. Moderate return on equity of 10.3% and return on assets of 2.5% indicate capital deployment efficiency below optimal levels.
What is EG's revenue and growth?
EVEREST GROUP, LTD. reported revenue of $17.5B.
Does EG pay dividends?
EVEREST GROUP, LTD. pays dividends, with $335.0M distributed to shareholders in the trailing twelve months.
Where can I find EG SEC filings?
Official SEC filings for EVEREST GROUP, LTD. (CIK: 0001095073) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EG's EPS?
EVEREST GROUP, LTD. has a diluted EPS of $37.80.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is EG a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, EVEREST GROUP, LTD. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is EG stock overvalued or undervalued?
Valuation metrics for EG: ROE of 10.3% (sector avg: 12%), net margin of 9.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy EG stock in 2026?
Our dual AI analysis gives EVEREST GROUP, LTD. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is EG's free cash flow?
EVEREST GROUP, LTD.'s operating cash flow is $3.1B, with capital expenditures of N/A. FCF margin is 17.5%.
How does EG compare to other Finance stocks?
Vs Finance sector averages: Net margin 9.1% (avg: 25%), ROE 10.3% (avg: 12%), current ratio N/A (avg: 1.2).