Everest Group (EG) AI Stock Analysis

• Market Cap: $13.04B
• Dividend Yield: 2.54%
• Average Volume (3M): 442.15K
• Price to Earnings (P/E): 23.0
• Beta (1Y): 0.35
• Revenue Growth: 8.62%
• EPS Growth: -78.92%
• Country: US
• Employees: 3,037
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 7.54
• Shares Outstanding: 41,978,058
• 10 Day Avg. Volume: 305,038
• 30 Day Avg. Volume: 442,150
• 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: 1.39
• Enterprise Value/Revenue: 1.03
• Enterprise Value/Gross Profit: 11.04
• Enterprise Value/Ebitda: 24.61
• 1Y Price Target: $369.75
• Price Target Upside: 17.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 12
• EPS Forecast (FY): 45.58
• Revenue Forecast (FY): $17.67B

• Rating: 64 Neutral
• Price Target: $330.00 ▲(4.61% Upside)

Everest Group's overall stock score reflects a mix of financial stability and strategic initiatives, tempered by current profitability challenges and bearish technical indicators. The company's strong balance sheet and strategic focus on core business areas are positive, but declining profit margins and technical weakness weigh on the score.

Positive Factors

Strong Balance Sheet

A strong balance sheet with low leverage provides Everest Group with financial stability and flexibility to invest in growth opportunities.

Strategic Focus on Core Businesses

Focusing on core areas with competitive advantages can enhance profitability and market position, supporting long-term growth.

New CFO Appointment

The appointment of a seasoned CFO is expected to strengthen financial leadership and support strategic initiatives for sustained performance.

Negative Factors

Declining Profit Margins

Decreasing profit margins indicate increased cost pressures, which could impact profitability if not addressed through efficiency improvements.

Reserve Strengthening Impact

Significant reserve strengthening can strain financial resources and affect profitability, highlighting the need for careful risk management.

Decline in Operating Income

A decline in operating income suggests challenges in maintaining earnings, which may require strategic adjustments to improve financial performance.

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 and subscription-based research offerings. The company's revenue model includes fees for tailored consulting engagements, where they provide strategic advice and operational guidance to clients. Additionally, EG earns money through annual subscriptions to its research reports, market assessments, and benchmarking studies, which are highly valued by organizations seeking data-driven insights. Significant partnerships with technology vendors and service providers also contribute to its revenue, as these collaborations often lead to co-branded research initiatives and joint consulting projects, further enhancing its service portfolio and market reach.

Everest Group Financial Statement Overview

Summary

Everest Group shows 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	11.33B	9.60B
Gross Profit	1.64B	2.47B	3.08B	1.36B	1.73B	1.17B
EBITDA	735.00M	1.64B	2.29B	689.00M	1.62B	621.00M
Net Income	552.00M	1.37B	2.52B	597.00M	1.38B	514.00M
Balance Sheet
Total Assets	62.24B	56.34B	49.40B	39.97B	38.19B	32.71B
Cash, Cash Equivalents and Short-Term Investments	20.22B	20.44B	16.58B	24.67B	24.93B	9.14B
Total Debt	3.59B	5.94B	5.74B	5.43B	5.43B	3.29B
Total Liabilities	46.86B	42.47B	36.20B	31.52B	28.05B	22.99B
Stockholders Equity	15.38B	13.88B	13.20B	8.44B	10.14B	9.73B
Cash Flow
Free Cash Flow	4.25B	4.96B	4.55B	3.69B	3.83B	2.87B
Operating Cash Flow	4.25B	4.96B	4.55B	3.69B	3.83B	2.87B
Investing Cash Flow	-3.69B	-4.48B	-5.90B	-3.42B	-3.87B	-3.68B
Financing Cash Flow	-580.00M	-383.00M	1.41B	-359.00M	674.19M	800.00M

Everest Group Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 315.47
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EG, the sentiment is Neutral. The current price of 315.47 is above the 20-day moving average (MA) of 313.74, below the 50-day MA of 327.67, and below the 200-day MA of 336.10, indicating a neutral trend. The MACD of -3.68 indicates Negative momentum. The RSI at 48.62 is Neutral, neither overbought nor oversold. The STOCH value of 42.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EG.

Everest Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HG	82 Outperform	$2.61B	6.14	17.62%	―	22.79%	-5.17%
RNR	78 Outperform	$12.15B	7.32	14.98%	0.60%	-3.96%	-48.08%
SPNT	76 Outperform	$2.49B	13.81	8.09%	―	7.87%	-4.68%
RGA	74 Outperform	$12.68B	14.92	7.19%	1.84%	2.10%	19.23%
SF	74 Outperform	$12.92B	22.41	11.73%	1.42%	7.54%	2.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EG	64 Neutral	$13.04B	23.05	3.59%	2.54%	8.62%	-78.92%

Everest Group Corporate Events

Everest Group Appoints New CFO Elias Habayeb

On November 20, 2025, Everest Group, Ltd. announced the appointment of Elias Habayeb as its new Executive Vice President and Chief Financial Officer, effective May 1, 2026. This transition follows the retirement of current CFO Mark Kociancic, who will remain as a special advisor until July 31, 2026. The transition includes a comprehensive compensation package for Mr. Kociancic, totaling several million dollars in cash and equity awards, as part of a structured agreement to ensure a smooth transition and continuity in the company’s financial leadership.

Everest Group Appoints New CFO Elias Habayeb

On November 20, 2025, Everest Group announced the appointment of Elias Habayeb as Executive Vice President and Group Chief Financial Officer, effective May 1, 2026. Habayeb, a seasoned finance executive with over 30 years of experience, will succeed Mark Kociancic, who will retire after the first quarter of 2026. This leadership transition is part of Everest’s strategy to strengthen its foundation for sustained performance and capture future opportunities, ensuring consistent returns for shareholders.

Everest Group Sells Insurance Rights to AIG

On October 26, 2025, Everest Group, Ltd. entered into agreements to sell the renewal rights for its Global Retail Commercial Insurance business to American International Group, Inc. for a total of $301 million. This strategic move allows Everest to focus on its core global Reinsurance and Global Wholesale and Specialty Insurance businesses, positioning the company for strong performance across market cycles. The transactions, which include the renewal rights of U.S., U.K., European, and Asia Pacific businesses, are expected to unlock long-term value and release significant capital over time. Jason Keen has been appointed CEO of Global Wholesale and Specialty Insurance to lead the company’s efforts in capturing new growth opportunities in the excess and surplus market.

Everest Group Strengthens Reserves with New Agreements

On October 26, 2025, Everest Reinsurance Company and its Bermuda subsidiary entered into adverse development reinsurance agreements with State National Insurance Company and MS Transverse Insurance Company, effective October 1, 2025. These agreements, supported by Longtail Re, cover risks from Everest’s North American Insurance portfolio for years 2024 and prior, with a total statutory reserve of over $5.3 billion. The agreements aim to strengthen Everest’s reserves and enhance its risk capacity, providing $1.2 billion of protection against future adverse reserve development. The transaction is expected to optimize capital efficiency and deliver greater value to clients and shareholders.

Everest Group Announces Executive Vice President Retirement

On September 24, 2025, Everest Group announced the retirement of Ricardo Anzaldua, its Executive Vice President and General Counsel, with Anthony Vidovich set to succeed him by January 5, 2026. Vidovich, a seasoned legal leader with extensive experience in the global property and casualty insurance industry, will join Everest’s Executive Leadership Team to support the company’s long-term growth strategy.

Everest Group Announces EVP Ricardo Anzaldua’s Retirement

Everest Group, Ltd. announced the upcoming retirement of Ricardo Anzaldua, its Executive Vice President and General Counsel, who has been instrumental in the company’s growth since joining in June 2023. The company has started the search for his successor, with Anzaldua remaining in his role to ensure a smooth transition, reflecting the company’s focus on maintaining value for stakeholders.