Everest Group (EG) AI Stock Analysis

• Market Cap: $14.07B
• Dividend Yield: 2.39%
• Average Volume (3M): 321.27K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.33
• Revenue Growth: 10.40%
• EPS Growth: -71.67%
• Country: US
• Employees: 3,037
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 17.36
• Shares Outstanding: 41,943,290
• 10 Day Avg. Volume: 420,910
• 30 Day Avg. Volume: 321,267
• PEG Ratio: -0.24
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 0.91
• P/FCF Ratio: 3.12
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 1.02
• Enterprise Value/Gross Profit: 3.30
• Enterprise Value/Ebitda: 17.06
• 1Y Price Target: $370.09
• Price Target Upside: 10.35% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 13

• Rating: 71 Outperform
• Price Target: $365.00 ▲(8.83% Upside)

Everest Group's overall stock score is driven by its stable financial position and strong earnings call performance, indicating resilience and strategic focus. The valuation is attractive, providing a balance of growth and income. However, technical analysis suggests caution due to bearish trends, and declining profitability margins highlight areas for improvement.

Positive Factors

Strong Net Operating Income

High net operating income and ROE indicate robust financial health and efficient capital utilization, supporting long-term growth.

Reinsurance Segment Growth

Strong performance in the Reinsurance segment suggests effective risk management and market positioning, enhancing future profitability.

International Insurance Expansion

Significant international growth reflects successful market penetration and diversification, reducing reliance on domestic markets.

Negative Factors

Decline in Gross Written Premiums

A decline in gross written premiums indicates potential challenges in market demand or pricing strategy, affecting revenue potential.

Insurance Segment Underwriting Loss

Underwriting losses in the Insurance segment highlight operational challenges and may impact overall profitability if not addressed.

Decline in Profitability Margins

Declining margins suggest cost management issues, which could hinder long-term profitability and competitiveness if not improved.

Everest Group Business Overview & Revenue Model

Company Description

Everest Group, Ltd., through its subsidiaries, provides reinsurance and insurance products in the United States, Bermuda, and internationally. The company operates through Reinsurance Operations and Insurance Operations segments. The Reinsurance Operations segment writes property and casualty reinsurance; and specialty lines of business through reinsurance brokers, as well as directly with ceding companies in the United States, Bermuda, Ireland, Canada, Singapore, Switzerland, and the United Kingdom. The Insurance Operations segment writes property and casualty insurance directly, as well as through brokers, surplus lines brokers, and general agents in the United States, Bermuda, Canada, Europe, South America, France, Germany, Spain, Canada, Chile, the United Kingdom, Ireland, and the Netherlands. The company also provides treaty and facultative reinsurance products; admitted and non-admitted insurance products; and property and casualty reinsurance and insurance coverages, including marine, aviation, surety, errors and omissions liability, directors' and officers' liability, medical malpractice, mortgage reinsurance, other specialty lines, accident and health, and workers' compensation products. In addition, it offers commercial property and casualty insurance products through wholesale and retail brokers, surplus lines brokers, and program administrators. The company was formerly known as Everest Re Group, Ltd. and changed its name to Everest Group, Ltd. in July 2023. The company was founded in 1973 and is headquartered in Hamilton, Bermuda.

How the Company Makes Money

Everest Group generates revenue primarily through its consulting services, research publications, and subscription-based offerings. Key revenue streams include fees from consulting engagements where they assist organizations in strategy formulation and implementation, as well as revenues from proprietary research reports and industry benchmarks sold to clients seeking market insights. The company also earns money through training and workshops aimed at equipping businesses with the knowledge necessary to navigate digital transformations. Significant partnerships with leading technology firms, service providers, and industry associations enhance its credibility and expand its market reach, contributing further to its earnings.

Everest Group Financial Statement Overview

Summary

Everest Group demonstrates a stable financial position with strong cash flow generation and a conservative balance sheet. However, declining profitability margins and reduced return on equity highlight areas for improvement. The company should focus on enhancing cost efficiency and profitability to sustain growth and shareholder value.

Income Statement

The income statement shows a mixed performance. While there is a positive revenue growth rate of 1.53% in the TTM period, margins have generally declined. The gross profit margin is negative, indicating potential cost management issues. Net profit margin and EBIT margin have also decreased compared to previous periods, suggesting reduced profitability. However, the company has maintained a positive EBITDA margin, which is a positive sign for operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.24 in the TTM period, indicating conservative leverage. Return on equity has decreased to 5.52%, which is a concern, but the equity ratio remains strong, suggesting a solid capital structure. Overall, the balance sheet indicates financial stability with manageable debt levels.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 5.39% in the TTM period, which is a concern. However, the operating cash flow to net income ratio is strong at 4.78, indicating efficient cash generation relative to net income. The free cash flow to net income ratio remains at 1.0, showing consistency in cash flow relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	17.51B	17.08B	14.46B	11.98B	11.30B	9.60B
Gross Profit	5.38B	5.77B	6.04B	3.88B	3.91B	1.17B
EBITDA	1.04B	1.64B	2.29B	689.00M	1.62B	621.00M
Net Income	806.00M	1.37B	2.52B	597.00M	1.38B	514.00M
Balance Sheet
Total Assets	60.52B	56.34B	49.40B	39.97B	38.19B	32.79B
Cash, Cash Equivalents and Short-Term Investments	4.41B	6.26B	1.44B	24.67B	24.93B	21.98B
Total Debt	3.59B	5.94B	5.74B	5.43B	5.43B	1.91B
Total Liabilities	45.50B	42.47B	36.20B	31.52B	28.05B	22.99B
Stockholders Equity	15.02B	13.88B	13.20B	8.44B	10.14B	9.73B
Cash Flow
Free Cash Flow	4.53B	4.96B	4.55B	3.69B	3.83B	2.87B
Operating Cash Flow	4.53B	4.96B	4.55B	3.69B	3.83B	2.87B
Investing Cash Flow	-3.48B	-4.48B	-5.90B	-3.42B	-3.87B	-3.68B
Financing Cash Flow	-685.00M	-383.00M	1.41B	-359.00M	674.19M	800.00M

Everest Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 335.38
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EG, the sentiment is Negative. The current price of 335.38 is below the 20-day moving average (MA) of 340.33, above the 50-day MA of 335.19, and below the 200-day MA of 343.39, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 47.00 is Neutral, neither overbought nor oversold. The STOCH value of 27.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EG.

Everest Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNR	85 Outperform	11.44B	6.20	17.69%	0.65%	23.19%	-22.42%
HG	82 Outperform	2.42B	6.46	14.87%	―	28.86%	-11.22%
SF	77 Outperform	11.75B	22.24	12.86%	1.57%	8.76%	10.32%
EG	71 Outperform	$14.07B	17.47	5.52%	2.39%	10.40%	-71.67%
RGA	66 Neutral	12.33B	16.23	6.63%	1.93%	1.53%	-10.27%
SPNT	64 Neutral	2.07B	19.70	8.06%	―	-4.56%	-55.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Everest Group Corporate Events

Everest Group Appoints Laura J. Hay to Board

On August 20, 2025, Everest Group announced the appointment of Laura J. Hay as an independent director on its Board of Directors. With over three decades of experience in insurance and financial services, including her role as Global Head of Insurance at KPMG LLP, Hay will contribute significantly to Everest’s strategic direction as it navigates an evolving risk landscape and seeks growth opportunities.

The most recent analyst rating on (EG) stock is a Buy with a $378.00 price target. To see the full list of analyst forecasts on Everest Group stock, see the EG Stock Forecast page.