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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 10.5x - 11.7x | 11.1x |
| Selected Fwd P/E Multiple | 9.9x - 11.0x | 10.4x |
| Fair Value | $73.28 - $81 | $77.14 |
| Upside | -19.6% - -11.1% | -15.3% |
| Benchmarks | - | Full Ticker |
| The Travelers Companies, Inc. | - | NYSE:TRV |
| The Progressive Corporation | - | NYSE:PGR |
| Cincinnati Financial Corporation | - | NasdaqGS:CINF |
| The Hartford Insurance Group, Inc. | - | NYSE:HIG |
| The Allstate Corporation | - | NYSE:ALL |
| Loews Corporation | - | NYSE:L |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| TRV | PGR | CINF | HIG | ALL | L | |||
| NYSE:TRV | NYSE:PGR | NasdaqGS:CINF | NYSE:HIG | NYSE:ALL | NYSE:L | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 13.8% | 16.5% | 2.8% | 8.4% | 1.8% | 8.7% | ||
| 3Y CAGR | 10.9% | 36.5% | -8.3% | 9.6% | -3.7% | -3.3% | ||
| Latest Twelve Months | 67.1% | 119.0% | 24.4% | 24.4% | 1539.9% | -1.4% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 8.5% | 7.7% | 16.0% | 9.7% | 4.3% | 5.1% | ||
| Prior Fiscal Year | 7.2% | 6.2% | 18.4% | 10.1% | -0.6% | 9.0% | ||
| Latest Fiscal Year | 10.7% | 11.2% | 20.2% | 11.6% | 7.1% | 8.1% | ||
| Latest Twelve Months | 10.7% | 11.2% | 20.2% | 11.6% | 7.1% | 8.1% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | 8.6x | 8.5x | 6.7x | 8.6x | 8.7x | 9.6x | ||
| Price / LTM Sales | 1.2x | 2.2x | 1.8x | 1.2x | 0.8x | 1.0x | ||
| LTM P/E Ratio | 11.1x | 19.9x | 9.0x | 10.5x | 10.9x | 12.5x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 9.0x | 10.9x | 19.9x | |||||
| Historical LTM P/E Ratio | -11.1x | 11.6x | 17.1x | |||||
| Selected P/E Multiple | 10.5x | 11.1x | 11.7x | |||||
| (x) LTM Net Income | 1,414 | 1,414 | 1,414 | |||||
| (=) Equity Value | 14,909 | 15,694 | 16,479 | |||||
| (/) Shares Outstanding | 212.9 | 212.9 | 212.9 | |||||
| Implied Value Range | 70.04 | 73.73 | 77.41 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 70.04 | 73.73 | 77.41 | 91.11 | ||||
| Upside / (Downside) | -23.1% | -19.1% | -15.0% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | TRV | PGR | CINF | HIG | ALL | L | |
| Value of Common Equity | 59,652 | 168,242 | 22,649 | 35,228 | 54,415 | 19,394 | |
| (/) Shares Outstanding | 226.7 | 586.2 | 156.5 | 285.4 | 265.0 | 212.9 | |
| Implied Stock Price | 263.10 | 287.00 | 144.70 | 123.44 | 205.32 | 91.11 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 263.10 | 287.00 | 144.70 | 123.44 | 205.32 | 91.11 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |