Everest Group (EG) Financials

$342.16 +2.28 (+0.67%)

Closing price 03:59 PM Eastern

Extended Trading

$341.92 -0.24 (-0.07%)

As of 04:10 PM Eastern

Annual Income Statements for Everest Group

This table shows Everest Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	978	996	514	89	1,009	514	1,379	597	2,517	1,373
Consolidated Net Income / (Loss)	978	996	483	89	1,009	514	1,379	597	2,517	1,373
Net Income / (Loss) Continuing Operations	978	996	514	89	1,009	514	1,379	597	2,517	1,373
Total Pre-Tax Income	1,112	1,100	419	-242	1,099	585	1,546	588	2,154	1,493
Total Revenue	5,677	5,794	6,622	7,361	8,231	9,598	11,866	12,060	14,587	17,281
Net Interest Income / (Expense)	-36	-36	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	36	36	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Non-Interest Income	5,677	5,794	6,622	7,361	8,231	9,610	11,866	12,060	14,587	17,262
Other Service Charges	88	-11	-21	-24	-4.66	6.00	37	-102	-14	121
Net Realized & Unrealized Capital Gains on Investments	296	516	713	454	832	922	1,423	375	1,158	1,954
Premiums Earned	5,293	5,320	5,938	6,932	7,404	8,682	10,406	11,787	13,443	15,187
Total Non-Interest Expense	4,565	4,695	6,171	7,604	7,132	9,013	10,321	11,472	12,432	15,787
Marketing Expense	1,184	1,189	1,304	1,519	1,704	1,873	2,209	2,528	2,952	3,300
Property & Liability Insurance Claims	3,065	3,140	4,523	5,651	4,923	6,551	7,391	8,100	8,427	11,305
Insurance Policy Acquisition Costs	257	303	319	372	441	511	583	682	846	938
Other Operating Expenses	23	27	26	31	33	41	68	61	73	95
Amortization Expense	-	-	-	31	32	36	70	101	134	149
Income Tax Expense	134	104	-63	-331	90	71	167	-9.00	-363	120
Basic Earnings per Share	$22.29	$23.85	$11.77	$2.18	$24.77	$12.81	$34.66	$15.19	$60.19	$31.78
Weighted Average Basic Shares Outstanding	43.90M	41.80M	41M	40.80M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Diluted Earnings per Share	$22.10	$23.68	$11.70	$2.17	$24.70	$12.78	$34.62	$15.19	$60.19	$31.78
Weighted Average Diluted Shares Outstanding	43.90M	41.80M	41M	40.80M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Weighted Average Basic & Diluted Shares Outstanding	43.90M	41.80M	41M	40.80M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Cash Dividends to Common per Share	$4.00	$4.70	$5.05	$5.30	$5.75	$6.20	$6.20	$6.50	$6.80	$7.75

This table shows Everest Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-319	495	365	670	678	804	733	724	509	-593	210
Consolidated Net Income / (Loss)	-319	495	365	670	678	804	733	724	509	-593	210
Net Income / (Loss) Continuing Operations	-319	495	365	670	678	804	733	724	509	-593	209
Total Pre-Tax Income	-401	568	408	750	725	271	832	832	577	-748	248
Total Revenue	3,048	3,281	3,286	3,650	3,991	3,660	4,133	4,227	4,285	4,636	4,263
Net Interest Income / (Expense)	-25	25	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	25	-25	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Non-Interest Income	3,073	3,239	3,281	3,646	4,022	3,638	4,140	4,244	4,312	4,566	4,270
Other Service Charges	-16	-30	-79	38	103	-76	31	23	-102	169	-73
Net Realized & Unrealized Capital Gains on Investments	22	257	260	357	406	135	457	528	496	473	491
Premiums Earned	3,067	3,012	3,100	3,251	3,513	3,579	3,652	3,693	3,918	3,924	3,852
Total Non-Interest Expense	3,449	2,714	2,878	2,901	3,266	3,387	3,302	3,395	3,708	5,382	4,015
Marketing Expense	641	652	661	686	752	853	782	790	826	902	824
Property & Liability Insurance Claims	2,623	1,811	1,966	1,960	2,246	2,255	2,237	2,311	2,584	4,173	2,893
Insurance Policy Acquisition Costs	169	182	200	205	215	226	224	234	236	244	238
Other Operating Expenses	16	16	19	17	19	18	22	22	25	26	21
Amortization Expense	-	-	32	33	34	35	37	37	38	37	38
Income Tax Expense	-82	73	43	80	47	-533	99	108	68	-155	39
Basic Earnings per Share	($8.22)	$12.73	$9.31	$16.26	$15.63	$18.99	$16.87	$16.70	$11.80	($13.59)	$4.90
Weighted Average Basic Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Diluted Earnings per Share	($8.22)	$12.74	$9.31	$16.26	$15.63	$18.99	$16.87	$16.70	$11.80	($13.59)	$4.90
Weighted Average Diluted Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Weighted Average Basic & Diluted Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Cash Dividends to Common per Share	$1.65	-	$1.65	$1.65	$1.75	-	$1.75	$2.00	$2.00	-	$2.00

This table details how cash moves in and out of Everest Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-154	198	153	21	152	-6.00	639	-42	38	112
Net Cash From Operating Activities	1,108	1,384	1,163	610	1,852	2,874	3,833	3,695	4,553	4,957
Net Cash From Continuing Operating Activities	1,108	1,384	1,163	610	1,852	2,873	3,832	3,696	4,553	4,956
Net Income / (Loss) Continuing Operations	978	996	483	89	1,009	514	1,379	597	2,517	1,373
Consolidated Net Income / (Loss)	978	996	483	89	1,009	514	1,379	597	2,517	1,373
Amortization Expense	51	49	46	29	31	50	76	55	-64	-167
Non-Cash Adjustments to Reconcile Net Income	246	58	-72	244	-70	-107	-4.00	680	445	207
Changes in Operating Assets and Liabilities, net	-167	280	706	248	881	2,416	2,381	2,364	1,655	3,543
Net Cash From Investing Activities	-681	-658	-733	-280	-1,412	-3,683	-3,869	-3,418	-5,902	-4,478
Net Cash From Continuing Investing Activities	-681	-658	-733	-280	-1,412	-3,683	-3,870	-3,418	-5,902	-4,476
Purchase of Investment Securities	-5,233	-9,452	-11,525	-10,206	-7,540	-9,101	-10,723	-9,898	-12,718	-15,092
Sale and/or Maturity of Investments	4,571	8,737	10,793	9,881	6,128	5,223	6,853	6,551	6,635	10,643
Other Investing Activities, net	-23	9.39	-	46	-	195	-	-71	181	-27
Net Cash From Financing Activities	-573	-582	-275	-317	-276	800	674	-359	1,409	-383
Net Cash From Continuing Financing Activities	-573	-582	-275	-317	-276	799	674	-359	1,410	-383
Issuance of Debt	-	-	-	0.00	0.00	979	968	0.00	300	200
Issuance of Common Equity	14	11	-	-	-3.13	-14	-14	-17	1,422	-24
Repayment of Debt	-	0.00	-	0.00	0.00	299	209	-6.00	0.00	0.00
Repurchase of Common Equity	-400	-386	-55	-83	-25	-200	-225	-61	0.00	-200
Payment of Dividends	-175	-195	-207	-216	-234	-249	-247	-255	-288	-334
Other Financing Activities, Net	-12	-11	-13	-17	-14	-16	-17	-20	-24	-25
Effect of Exchange Rate Changes	-7.78	54	-1.51	7.17	-12	3.00	1.00	39	-23	16
Cash Interest Paid	36	36	36	30	32	28	62	98	130	147
Cash Income Taxes Paid	165	43	165	-65	-149	-170	98	171	196	397

This table details how cash moves in and out of Everest Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-437	-280	212	456	-301	-329	107	26	29	-50	17
Net Cash From Operating Activities	1,118	1,015	1,064	1,094	1,378	1,017	1,102	1,337	1,738	780	928
Net Cash From Continuing Operating Activities	1,118	1,016	1,064	1,093	1,380	1,016	1,103	1,336	1,737	780	928
Net Income / (Loss) Continuing Operations	-319	496	365	670	678	804	733	724	509	-593	210
Consolidated Net Income / (Loss)	-319	496	365	670	678	804	733	724	509	-593	210
Amortization Expense	14	6.00	-1.00	-10	-24	-29	-30	-35	-48	-54	-46
Non-Cash Adjustments to Reconcile Net Income	174	-13	55	9.00	75	306	54	63	88	2.00	-12
Changes in Operating Assets and Liabilities, net	1,249	527	645	424	651	-65	346	584	1,188	1,425	776
Net Cash From Investing Activities	-1,439	-1,222	-752	-2,000	-1,594	-1,556	-849	-1,167	-1,529	-933	-569
Net Cash From Continuing Investing Activities	-1,439	-1,222	-751	-2,000	-1,594	-1,557	-849	-1,167	-1,528	-932	-569
Purchase of Investment Securities	-3,082	-2,960	-1,863	-2,474	-2,760	-5,621	-2,421	-2,738	-6,153	-3,780	-3,755
Sale and/or Maturity of Investments	1,564	1,911	845	700	1,005	4,085	1,288	1,837	4,322	3,196	3,186
Net Cash From Financing Activities	-133	-67	-103	1,372	-81	221	-153	-152	-190	112	-324
Net Cash From Continuing Financing Activities	-133	-67	-103	1,373	-81	221	-153	-152	-190	112	-323
Issuance of Common Equity	-1.00	-1.00	-19	1,445	-3.00	-1.00	-21	-	-2.00	-1.00	-19
Repurchase of Common Equity	-59	-1.00	0.00	-	-	-	-35	-65	-100	-	-200
Payment of Dividends	-65	-64	-65	-71	-76	-76	-76	-87	-86	-85	-85
Other Financing Activities, Net	-2.00	-1.00	-19	-1.00	-2.00	-2.00	-21	-	-2.00	-2.00	-19
Effect of Exchange Rate Changes	16	-7.00	3.00	-10	-5.00	-11	7.00	7.00	11	-9.00	-18
Cash Interest Paid	3.00	47	10	54	11	55	16	58	16	57	16
Cash Income Taxes Paid	66	4.00	2.00	71	112	11	16	187	137	57	1.00

This table presents Everest Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	20,551	21,322	23,592	24,751	27,324	32,712	38,185	39,966	49,399	56,341
Cash and Due from Banks	16,676	482	635	656	808	802	1,441	1,398	1,437	1,549
Trading Account Securities	0.00	16,570	17,482	17,536	19,526	23,525	27,054	27,441	33,577	35,274
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Investment Income	0.00	96	98	105	117	141	149	217	324	368
Unearned Premiums Asset	1,483	1,678	2,133	2,527	2,705	3,093	3,809	4,229	5,481	6,247
Deferred Acquisition Cost	372	344	412	512	582	622	872	962	1,247	1,461
Other Assets	2,016	2,152	2,833	3,416	3,587	4,529	4,859	5,718	7,333	11,441
Total Liabilities & Shareholders' Equity	20,551	21,322	23,592	24,751	27,324	32,712	38,185	39,966	49,399	56,341
Total Liabilities	12,942	13,246	15,223	16,890	18,191	22,985	28,046	31,525	36,197	42,466
Short-Term Debt	0.00	28	39	51	31	207	17	1.00	137	84
Accrued Interest Payable	0.00	3.54	2.73	3.09	2.88	10	17	19	22	22
Long-Term Debt	0.00	633	633	634	634	1,910	3,089	3,084	3,386	3,587
Claims and Claim Expense	-	10,312	11,884	13,119	13,611	16,322	19,009	22,065	24,604	29,889
Unearned Premiums Liability	0.00	1,578	2,001	2,518	3,057	3,501	4,610	5,147	6,622	7,324
Other Long-Term Liabilities	12,942	637	612	519	813	997	1,269	1,209	1,427	1,559
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	7,609	8,075	8,369	7,861	9,133	9,726	10,139	8,441	13,202	13,875
Total Preferred & Common Equity	7,609	8,075	8,369	7,861	9,133	9,726	10,139	8,441	13,202	13,875
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	7,609	8,075	8,369	7,861	9,133	9,726	10,140	8,441	13,202	13,876
Common Stock	7,609	2,141	2,166	2,189	2,220	2,246	2,275	2,303	3,774	3,813
Retained Earnings	0.00	9,423	9,686	9,531	10,307	10,567	11,700	12,042	14,270	15,309
Treasury Stock	0.00	-3,272	-3,322	-3,398	-3,422	-3,622	-3,847	-3,908	-3,908	-4,108
Accumulated Other Comprehensive Income / (Loss)	0.00	-217	-161	-463	28	535	12	-1,996	-934	-1,138

This table presents Everest Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Total Assets	38,144	39,966	41,839	44,668	46,318	49,399	50,937	52,560	55,864	56,341	58,132
Cash and Due from Banks	1,679	1,398	1,610	2,067	1,765	1,437	1,544	1,570	1,599	1,549	1,567
Trading Account Securities	25,389	27,441	28,791	29,808	30,467	33,577	34,207	35,031	36,560	35,274	38,112
Loans and Leases, Net of Allowance	837	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Investment Income	200	217	235	266	298	324	327	360	380	368	391
Unearned Premiums Asset	4,008	4,229	4,533	4,955	5,182	5,481	5,803	6,209	6,324	6,247	6,464
Deferred Acquisition Cost	867	962	1,011	1,086	1,156	1,247	1,331	1,422	1,475	1,461	1,494
Other Assets	5,164	5,718	5,659	6,486	7,451	7,333	7,725	7,968	9,524	11,441	10,103
Total Liabilities & Shareholders' Equity	38,144	39,966	41,839	44,668	46,318	49,399	50,937	52,560	55,864	56,341	58,132
Total Liabilities	30,495	31,525	32,825	33,766	35,092	36,197	37,308	38,378	40,529	42,466	43,993
Short-Term Debt	134	1.00	201	21	200	137	403	175	434	84	7.00
Accrued Interest Payable	39	19	41	19	41	22	43	22	43	22	43
Long-Term Debt	3,084	3,084	3,085	3,085	3,085	3,386	3,386	3,386	3,387	3,587	3,587
Claims and Claim Expense	21,222	22,065	22,878	23,405	23,833	24,604	25,211	25,853	27,480	29,889	31,512
Unearned Premiums Liability	4,795	5,147	5,418	5,943	6,295	6,622	6,826	7,313	7,462	7,324	7,253
Other Long-Term Liabilities	1,187	1,209	1,173	1,265	1,612	1,427	1,438	1,629	1,723	1,559	1,591
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	7,649	8,441	9,014	10,902	11,226	13,202	13,628	14,182	15,335	13,875	14,140
Total Preferred & Common Equity	7,649	8,441	9,014	10,902	11,226	13,202	13,628	14,182	15,335	13,875	14,140
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	7,649	8,441	9,014	10,903	11,226	13,202	13,628	14,183	15,336	13,876	14,140
Common Stock	2,294	2,303	2,296	3,754	3,763	3,774	3,769	3,786	3,800	3,813	3,800
Retained Earnings	11,610	12,042	12,342	12,940	13,542	14,270	14,927	15,565	15,988	15,309	15,434
Treasury Stock	-3,907	-3,908	-3,908	-3,908	-3,908	-3,908	-3,943	-4,008	-4,108	-4,108	-4,308
Accumulated Other Comprehensive Income / (Loss)	-2,348	-1,996	-1,716	-1,883	-2,171	-934	-1,125	-1,160	-344	-1,138	-786

This table displays calculated financial ratios and metrics derived from Everest Group's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.04%	2.07%	14.29%	11.16%	11.81%	16.61%	23.63%	1.63%	20.95%	18.47%
EBITDA Growth	-23.57%	-1.19%	-56.76%	-142.85%	630.70%	-43.80%	155.28%	-60.33%	225.19%	-36.54%
EBIT Growth	-24.47%	-1.08%	-58.99%	-153.70%	553.79%	-46.77%	164.10%	-61.94%	266.50%	-30.67%
NOPAT Growth	-18.45%	1.89%	-51.55%	-135.12%	695.46%	-49.08%	168.29%	-56.71%	321.61%	-45.45%
Net Income Growth	-18.45%	1.89%	-51.55%	-81.56%	1,033.70%	-49.08%	168.29%	-56.71%	321.61%	-45.45%
EPS Growth	-14.70%	7.15%	-50.59%	-81.45%	1,038.25%	-48.26%	170.89%	-56.12%	296.25%	-47.20%
Operating Cash Flow Growth	5.07%	24.85%	-15.97%	-47.53%	203.57%	55.18%	33.37%	-3.60%	23.22%	8.87%
Free Cash Flow Firm Growth	665.91%	-106.85%	235.20%	83.45%	-174.29%	-531.89%	98.52%	10,285.14%	-215.80%	120.58%
Invested Capital Growth	-11.03%	14.82%	3.49%	-5.48%	14.65%	20.88%	11.84%	-12.98%	45.11%	4.91%
Revenue Q/Q Growth	1.64%	1.67%	4.21%	-0.96%	5.49%	5.77%	3.12%	1.35%	3.40%	6.86%
EBITDA Q/Q Growth	-0.99%	-0.52%	190.33%	-117.10%	470.58%	-12.40%	30.86%	9.22%	-13.60%	-44.03%
EBIT Q/Q Growth	-1.12%	-0.44%	259.46%	-120.03%	546.77%	-14.60%	32.70%	12.92%	-12.00%	-40.55%
NOPAT Q/Q Growth	6.46%	1.66%	77.80%	-115.94%	150.94%	-23.08%	36.36%	11.97%	13.99%	-50.43%
Net Income Q/Q Growth	6.46%	1.66%	77.80%	-91.63%	150.94%	-23.08%	36.23%	12.19%	13.99%	-50.43%
EPS Q/Q Growth	3.71%	3.14%	87.50%	-91.67%	149.49%	-22.87%	37.82%	12.69%	11.59%	-50.62%
Operating Cash Flow Q/Q Growth	129.65%	-26.71%	-20.75%	-7.86%	19.23%	12.45%	10.32%	-0.73%	0.04%	-4.56%
Free Cash Flow Firm Q/Q Growth	123.95%	-111.23%	-51.29%	-50.14%	-15.11%	-1,784.41%	-102.69%	783.41%	-86.77%	129.44%
Invested Capital Q/Q Growth	-14.92%	-0.17%	4.44%	-5.74%	1.22%	13.57%	25.00%	6.06%	15.26%	-8.40%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	20.48%	19.83%	7.50%	-2.89%	13.73%	6.62%	13.66%	5.33%	14.33%	7.68%
EBIT Margin	19.59%	18.98%	6.81%	-3.29%	13.35%	6.10%	13.02%	4.88%	14.77%	8.65%
Profit (Net Income) Margin	17.23%	17.20%	7.29%	1.21%	12.26%	5.36%	11.62%	4.95%	17.26%	7.95%
Tax Burden Percent	87.95%	90.59%	115.10%	-36.77%	91.85%	87.86%	89.20%	101.53%	116.85%	91.96%
Interest Burden Percent	100.00%	100.00%	92.99%	100.00%	100.00%	100.00%	100.06%	100.00%	99.95%	99.93%
Effective Tax Rate	12.05%	9.41%	-15.10%	0.00%	8.15%	12.14%	10.80%	-1.53%	-16.85%	8.04%
Return on Invested Capital (ROIC)	12.10%	12.19%	5.43%	-1.93%	11.01%	4.75%	10.99%	4.82%	17.82%	8.01%
ROIC Less NNEP Spread (ROIC-NNEP)	12.10%	12.19%	5.43%	36.18%	11.01%	4.75%	10.99%	4.82%	17.82%	8.01%
Return on Net Nonoperating Assets (RNNOA)	0.53%	0.51%	0.44%	3.03%	0.87%	0.70%	2.89%	1.61%	5.44%	2.13%
Return on Equity (ROE)	12.63%	12.71%	5.87%	1.10%	11.88%	5.45%	13.88%	6.43%	23.26%	10.14%
Cash Return on Invested Capital (CROIC)	23.78%	-1.61%	2.00%	3.71%	-2.64%	-14.16%	-0.18%	18.70%	-18.99%	3.22%
Operating Return on Assets (OROA)	5.38%	5.25%	2.01%	-1.00%	4.22%	1.95%	4.36%	1.50%	4.82%	2.83%
Return on Assets (ROA)	4.73%	4.76%	2.15%	0.37%	3.88%	1.71%	3.89%	1.53%	5.63%	2.60%
Return on Common Equity (ROCE)	12.29%	12.71%	5.87%	1.10%	11.88%	5.45%	13.88%	6.43%	23.26%	10.14%
Return on Equity Simple (ROE_SIMPLE)	12.85%	12.34%	5.77%	1.13%	11.05%	5.28%	13.60%	7.07%	19.07%	9.90%
Net Operating Profit after Tax (NOPAT)	978	996	483	-170	1,009	514	1,379	597	2,517	1,373
NOPAT Margin	17.23%	17.20%	7.29%	-2.30%	12.26%	5.36%	11.62%	4.95%	17.26%	7.95%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	-38.11%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	20.85%	20.51%	19.69%	20.63%	20.70%	19.51%	18.62%	20.96%	20.24%	19.10%
Operating Expenses to Revenue	80.41%	81.02%	93.19%	103.29%	86.65%	93.91%	86.98%	95.12%	85.23%	91.35%
Earnings before Interest and Taxes (EBIT)	1,112	1,100	451	-242	1,099	585	1,545	588	2,155	1,494
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,163	1,149	497	-213	1,130	635	1,621	643	2,091	1,327
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.87	0.94	0.95	1.01	1.13	0.91	1.03	1.48	1.14	1.12
Price to Tangible Book Value (P/TBV)	0.87	0.94	0.95	1.01	1.13	0.91	1.03	1.48	1.14	1.12
Price to Revenue (P/Rev)	1.16	1.31	1.20	1.08	1.26	0.92	0.88	1.04	1.03	0.90
Price to Earnings (P/E)	6.74	7.60	15.44	88.90	10.24	17.14	7.54	20.92	5.97	11.35
Dividend Yield	2.62%	2.54%	2.61%	2.72%	2.27%	2.81%	2.35%	2.52%	1.96%	2.14%
Earnings Yield	14.85%	13.17%	6.48%	1.12%	9.76%	5.83%	13.26%	4.78%	16.74%	8.81%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.89	0.88	0.93	1.04	0.86	0.91	1.23	1.02	1.01
Enterprise Value to Revenue (EV/Rev)	0.00	1.34	1.20	1.08	1.24	1.06	1.02	1.18	1.17	1.02
Enterprise Value to EBITDA (EV/EBITDA)	0.00	6.74	16.06	0.00	9.02	15.95	7.44	22.04	8.19	13.34
Enterprise Value to EBIT (EV/EBIT)	0.00	7.04	17.69	0.00	9.28	17.31	7.81	24.11	7.95	11.85
Enterprise Value to NOPAT (EV/NOPAT)	0.00	7.78	16.53	0.00	10.10	19.70	8.75	23.74	6.80	12.89
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	5.60	6.86	13.02	5.50	3.52	3.15	3.84	3.76	3.57
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	44.85	24.35	0.00	0.00	0.00	6.12	0.00	32.07
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.08	0.08	0.09	0.07	0.22	0.31	0.37	0.27	0.26
Long-Term Debt to Equity	0.00	0.08	0.08	0.08	0.07	0.20	0.30	0.37	0.26	0.26
Financial Leverage	0.04	0.04	0.08	0.08	0.08	0.15	0.26	0.33	0.31	0.27
Leverage Ratio	2.67	2.67	2.73	2.98	3.06	3.18	3.57	4.21	4.13	3.91
Compound Leverage Factor	2.67	2.67	2.54	2.98	3.06	3.18	3.57	4.21	4.13	3.90
Debt to Total Capital	0.00%	7.57%	7.43%	8.01%	6.78%	17.88%	23.45%	26.77%	21.06%	20.92%
Short-Term Debt to Total Capital	0.00%	0.32%	0.43%	0.60%	0.31%	1.75%	0.13%	0.01%	0.82%	0.48%
Long-Term Debt to Total Capital	0.00%	7.25%	7.01%	7.41%	6.47%	16.13%	23.32%	26.76%	20.25%	20.44%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	92.43%	92.57%	91.99%	93.22%	82.12%	76.56%	73.23%	78.94%	79.08%
Debt to EBITDA	0.00	0.58	1.35	-3.22	0.59	3.33	1.92	4.80	1.68	2.77
Net Debt to EBITDA	0.00	0.16	0.07	-0.13	-0.13	2.07	1.03	2.62	1.00	1.60
Long-Term Debt to EBITDA	0.00	0.55	1.27	-2.98	0.56	3.01	1.91	4.80	1.62	2.70
Debt to NOPAT	0.00	0.66	1.39	-4.04	0.66	4.12	2.25	5.17	1.40	2.67
Net Debt to NOPAT	0.00	0.18	0.08	-0.17	-0.14	2.56	1.21	2.83	0.83	1.55
Long-Term Debt to NOPAT	0.00	0.64	1.31	-3.74	0.63	3.72	2.24	5.17	1.35	2.61
Noncontrolling Interest Sharing Ratio	2.72%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.01%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	1,921	-132	178	326	-242	-1,532	-23	2,316	-2,682	552
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	53.09	-3.63	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	30.62	38.19	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	30.62	38.19	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.27	0.28	0.29	0.30	0.32	0.32	0.33	0.31	0.33	0.33
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	7,609	8,736	9,041	8,546	9,797	11,843	13,245	11,526	16,725	17,546
Invested Capital Turnover	0.70	0.71	0.75	0.84	0.90	0.89	0.95	0.97	1.03	1.01
Increase / (Decrease) in Invested Capital	-944	1,128	305	-496	1,252	2,046	1,402	-1,719	5,199	821
Enterprise Value (EV)	-10,090	7,747	7,978	7,945	10,195	10,126	12,063	14,175	17,124	17,700
Market Capitalization	6,586	7,567	7,941	7,916	10,338	8,811	10,398	12,488	15,038	15,578
Book Value per Share	$176.61	$197.57	$203.78	$193.39	$223.94	$243.36	$257.56	$215.52	$304.26	$322.86
Tangible Book Value per Share	$176.61	$197.57	$203.78	$193.39	$223.94	$243.36	$257.56	$215.52	$304.26	$322.86
Total Capital	7,609	8,736	9,041	8,546	9,797	11,843	13,245	11,526	16,725	17,546
Total Debt	0.00	661	672	685	664	2,117	3,106	3,085	3,523	3,671
Total Long-Term Debt	0.00	633	633	634	634	1,910	3,089	3,084	3,386	3,587
Net Debt	-16,676	179	37	29	-144	1,315	1,665	1,687	2,086	2,122
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	-259	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	661	672	685	664	2,117	3,106	3,085	3,523	3,671
Total Depreciation and Amortization (D&A)	51	49	46	29	31	50	76	55	-64	-167
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$22.29	$23.85	$11.43	$2.54	$24.77	$12.81	$34.66	$15.19	$60.19	$31.78
Adjusted Weighted Average Basic Shares Outstanding	42.69M	40.91M	40.84M	40.68M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Adjusted Diluted Earnings per Share	$22.10	$23.68	$11.36	$2.53	$24.70	$12.78	$34.62	$15.19	$60.19	$31.78
Adjusted Weighted Average Diluted Shares Outstanding	42.69M	40.91M	40.84M	40.68M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$24.77	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	42.69M	40.91M	40.84M	40.68M	40.81M	39.99M	39.27M	39.16M	43.38M	42.93M
Normalized Net Operating Profit after Tax (NOPAT)	978	996	294	-170	1,009	514	1,379	412	1,508	1,373
Normalized NOPAT Margin	17.23%	17.20%	4.43%	-2.30%	12.26%	5.36%	11.62%	3.41%	10.34%	7.95%
Pre Tax Income Margin	19.59%	18.98%	6.33%	-3.29%	13.35%	6.10%	13.03%	4.88%	14.77%	8.64%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	30.72	30.36	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	27.02	27.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	30.72	30.36	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	27.02	27.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	17.91%	19.61%	42.93%	242.83%	23.21%	48.44%	17.91%	42.71%	11.44%	24.33%
Augmented Payout Ratio	58.82%	58.38%	54.39%	336.57%	25.65%	87.35%	34.23%	52.93%	11.44%	38.89%

This table displays calculated financial ratios and metrics derived from Everest Group's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.21%	5.14%	13.47%	28.75%	30.94%	11.55%	25.78%	15.81%	7.37%	26.67%	3.15%
EBITDA Growth	-461.46%	10.46%	26.79%	443.38%	281.14%	-57.42%	96.81%	7.85%	-24.54%	-427.87%	-74.78%
EBIT Growth	-355.68%	13.46%	35.10%	524.17%	280.80%	-51.85%	103.68%	11.08%	-20.41%	-373.26%	-70.16%
NOPAT Growth	-355.68%	14.81%	22.48%	444.72%	341.54%	62.42%	100.82%	8.06%	-24.93%	-165.12%	-71.49%
Net Income Growth	-336.99%	15.07%	22.48%	444.72%	312.54%	62.42%	100.82%	8.06%	-24.93%	-173.76%	-71.35%
EPS Growth	-337.23%	15.50%	23.15%	422.83%	290.15%	49.06%	81.20%	2.71%	-24.50%	-171.56%	-70.95%
Operating Cash Flow Growth	-3.87%	-2.59%	25.77%	52.79%	23.26%	0.20%	3.57%	22.21%	26.12%	-23.30%	-15.79%
Free Cash Flow Firm Growth	-140.91%	328.11%	137.12%	-64.10%	-437.62%	-298.51%	-685.23%	-126.45%	-39.45%	69.41%	97.58%
Invested Capital Growth	2.56%	-12.98%	-3.03%	16.65%	33.53%	45.11%	41.61%	26.66%	32.01%	4.91%	1.81%
Revenue Q/Q Growth	7.51%	7.64%	3.33%	11.08%	9.34%	-8.29%	17.22%	2.27%	1.37%	8.19%	-8.05%
EBITDA Q/Q Growth	-384.56%	248.06%	-28.97%	81.57%	-5.14%	-65.19%	228.28%	-0.50%	-33.63%	-251.23%	125.25%
EBIT Q/Q Growth	-434.17%	241.40%	-28.04%	83.58%	-3.20%	-62.34%	204.40%	0.12%	-30.65%	-229.29%	133.24%
NOPAT Q/Q Growth	-328.21%	276.34%	-26.26%	83.56%	1.19%	18.58%	-8.83%	-1.23%	-29.70%	-202.87%	139.92%
Net Income Q/Q Growth	-359.35%	255.17%	-26.26%	83.56%	1.19%	18.58%	-8.83%	-1.23%	-29.70%	-216.50%	135.41%
EPS Q/Q Growth	-364.31%	254.99%	-26.92%	74.65%	-3.87%	21.50%	-11.16%	-1.01%	-29.34%	-215.17%	136.06%
Operating Cash Flow Q/Q Growth	56.15%	-9.21%	4.83%	2.82%	25.96%	-26.20%	8.36%	21.32%	29.99%	-55.12%	18.97%
Free Cash Flow Firm Q/Q Growth	31.91%	501.31%	-66.16%	-277.46%	-123.06%	-48.18%	0.23%	31.33%	-37.36%	67.49%	92.12%
Invested Capital Q/Q Growth	-9.50%	6.06%	6.72%	13.89%	3.59%	15.26%	4.14%	1.87%	7.96%	-8.40%	1.07%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-12.70%	17.46%	12.39%	20.25%	17.56%	6.67%	19.38%	18.86%	12.35%	-17.26%	4.74%
EBIT Margin	-13.16%	17.28%	12.42%	20.52%	18.17%	7.46%	20.11%	19.68%	13.47%	-16.09%	5.82%
Profit (Net Income) Margin	-10.47%	15.09%	11.11%	18.36%	16.99%	21.97%	17.74%	17.13%	11.88%	-12.79%	4.93%
Tax Burden Percent	79.55%	87.15%	89.46%	89.33%	93.52%	296.68%	88.10%	87.02%	88.21%	79.28%	84.68%
Interest Burden Percent	100.00%	100.18%	100.00%	100.13%	100.00%	99.27%	100.12%	100.00%	100.00%	100.27%	100.00%
Effective Tax Rate	0.00%	12.85%	10.54%	10.67%	6.48%	-196.68%	11.90%	12.98%	11.79%	0.00%	15.73%
Return on Invested Capital (ROIC)	-10.21%	14.69%	10.98%	18.58%	18.89%	22.68%	18.26%	17.13%	11.41%	-11.39%	4.86%
ROIC Less NNEP Spread (ROIC-NNEP)	-12.21%	14.69%	10.98%	18.58%	18.89%	22.68%	18.26%	17.13%	11.41%	-13.32%	4.88%
Return on Net Nonoperating Assets (RNNOA)	-2.66%	4.89%	3.82%	5.89%	6.51%	6.93%	5.71%	4.55%	3.05%	-3.54%	1.30%
Return on Equity (ROE)	-12.87%	19.59%	14.80%	24.46%	25.39%	29.61%	23.97%	21.68%	14.46%	-14.93%	6.16%
Cash Return on Invested Capital (CROIC)	2.44%	18.70%	8.39%	-6.06%	-11.32%	-18.99%	-15.03%	-5.01%	-11.14%	3.22%	3.04%
Operating Return on Assets (OROA)	-4.19%	5.33%	3.84%	6.54%	6.07%	2.44%	6.63%	6.43%	4.26%	-5.26%	1.86%
Return on Assets (ROA)	-3.33%	4.66%	3.44%	5.85%	5.67%	7.17%	5.85%	5.59%	3.76%	-4.18%	1.57%
Return on Common Equity (ROCE)	-12.87%	19.59%	14.80%	24.47%	25.39%	29.61%	23.97%	21.68%	14.46%	-14.93%	6.16%
Return on Equity Simple (ROE_SIMPLE)	6.96%	0.00%	7.37%	11.11%	19.67%	0.00%	21.17%	20.72%	18.06%	0.00%	6.01%
Net Operating Profit after Tax (NOPAT)	-281	495	365	670	678	804	733	724	509	-524	209
NOPAT Margin	-9.21%	15.09%	11.11%	18.36%	16.99%	21.97%	17.74%	17.13%	11.88%	-11.29%	4.90%
Net Nonoperating Expense Percent (NNEP)	2.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.93%	-0.03%
SG&A Expenses to Revenue	21.03%	19.87%	20.12%	18.79%	18.84%	23.31%	18.92%	18.69%	19.28%	19.46%	19.33%
Operating Expenses to Revenue	113.16%	82.72%	87.58%	79.48%	81.83%	92.54%	79.89%	80.32%	86.53%	116.09%	94.18%
Earnings before Interest and Taxes (EBIT)	-401	567	408	749	725	273	831	832	577	-746	248
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-387	573	407	739	701	244	801	797	529	-800	202
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.33	1.48	1.53	1.21	1.41	1.14	1.27	1.17	1.11	1.12	1.10
Price to Tangible Book Value (P/TBV)	1.33	1.48	1.53	1.21	1.41	1.14	1.27	1.17	1.11	1.12	1.10
Price to Revenue (P/Rev)	0.85	1.04	1.11	1.00	1.12	1.03	1.13	1.04	1.05	0.90	0.90
Price to Earnings (P/E)	19.04	20.92	20.74	10.88	7.17	5.97	5.98	5.63	6.12	11.35	18.35
Dividend Yield	2.48%	2.52%	1.88%	1.97%	1.84%	1.96%	1.74%	1.90%	1.91%	2.14%	2.20%
Earnings Yield	5.25%	4.78%	4.82%	9.19%	13.95%	16.74%	16.73%	17.75%	16.34%	8.81%	5.45%
Enterprise Value to Invested Capital (EV/IC)	1.08	1.23	1.26	1.02	1.20	1.02	1.12	1.05	1.00	1.01	0.99
Enterprise Value to Revenue (EV/Rev)	0.98	1.18	1.25	1.08	1.23	1.17	1.27	1.17	1.19	1.02	1.01
Enterprise Value to EBITDA (EV/EBITDA)	19.86	22.04	21.19	10.68	7.17	8.19	7.84	7.29	8.09	13.34	24.21
Enterprise Value to EBIT (EV/EBIT)	22.45	24.11	22.25	10.75	7.08	7.95	7.56	6.97	7.63	11.85	19.35
Enterprise Value to NOPAT (EV/NOPAT)	21.93	23.74	23.26	11.74	7.86	6.80	6.76	6.31	6.92	12.89	20.76
Enterprise Value to Operating Cash Flow (EV/OCF)	3.14	3.84	3.95	3.31	3.81	3.76	4.25	3.84	3.69	3.57	3.69
Enterprise Value to Free Cash Flow (EV/FCFF)	44.59	6.12	14.73	0.00	0.00	0.00	0.00	0.00	0.00	32.07	33.01
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.42	0.37	0.36	0.28	0.29	0.27	0.28	0.25	0.25	0.26	0.25
Long-Term Debt to Equity	0.40	0.37	0.34	0.28	0.27	0.26	0.25	0.24	0.22	0.26	0.25
Financial Leverage	0.22	0.33	0.35	0.32	0.34	0.31	0.31	0.27	0.27	0.27	0.27
Leverage Ratio	4.24	4.21	4.31	4.18	4.47	4.13	4.10	3.88	3.85	3.91	3.93
Compound Leverage Factor	4.24	4.21	4.31	4.19	4.47	4.10	4.10	3.88	3.85	3.92	3.93
Debt to Total Capital	29.61%	26.77%	26.72%	22.17%	22.64%	21.06%	21.75%	20.07%	19.95%	20.92%	20.27%
Short-Term Debt to Total Capital	1.23%	0.01%	1.63%	0.15%	1.38%	0.82%	2.31%	0.99%	2.27%	0.48%	0.04%
Long-Term Debt to Total Capital	28.38%	26.76%	25.08%	22.02%	21.26%	20.25%	19.44%	19.08%	17.68%	20.44%	20.23%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	70.39%	73.23%	73.28%	77.83%	77.36%	78.94%	78.25%	79.94%	80.06%	79.08%	79.73%
Debt to EBITDA	5.47	4.80	4.51	2.33	1.36	1.68	1.52	1.40	1.61	2.77	4.94
Net Debt to EBITDA	2.61	2.62	2.30	0.78	0.63	1.00	0.90	0.78	0.94	1.60	2.78
Long-Term Debt to EBITDA	5.24	4.80	4.23	2.32	1.27	1.62	1.36	1.33	1.43	2.70	4.93
Debt to NOPAT	6.04	5.17	4.95	2.56	1.49	1.40	1.31	1.21	1.38	2.67	4.23
Net Debt to NOPAT	2.89	2.83	2.52	0.86	0.69	0.83	0.78	0.68	0.80	1.55	2.39
Long-Term Debt to NOPAT	5.78	5.17	4.65	2.55	1.40	1.35	1.17	1.15	1.22	2.61	4.23
Noncontrolling Interest Sharing Ratio	0.00%	-0.01%	0.00%	-0.01%	0.00%	0.00%	0.00%	-0.01%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-552	2,214	749	-1,330	-2,966	-4,395	-4,385	-3,011	-4,136	-1,345	-106
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-22.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	44.72	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	44.72	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.32	0.31	0.31	0.32	0.33	0.33	0.33	0.33	0.32	0.33	0.32
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,867	11,526	12,300	14,008	14,511	16,725	17,418	17,743	19,156	17,546	17,733
Invested Capital Turnover	1.11	0.97	0.99	1.01	1.11	1.03	1.03	1.00	0.96	1.01	0.99
Increase / (Decrease) in Invested Capital	271	-1,719	-384	2,000	3,644	5,199	5,118	3,735	4,645	821	315
Enterprise Value (EV)	11,691	14,175	15,444	14,220	17,347	17,124	19,493	18,549	19,178	17,700	17,626
Market Capitalization	10,152	12,488	13,768	13,181	15,827	15,038	17,248	16,558	16,956	15,578	15,599
Book Value per Share	$194.09	$215.52	$230.20	$277.61	$258.64	$304.26	$313.59	$326.36	$354.40	$322.86	$329.34
Tangible Book Value per Share	$194.09	$215.52	$230.20	$277.61	$258.64	$304.26	$313.59	$326.36	$354.40	$322.86	$329.34
Total Capital	10,867	11,526	12,300	14,008	14,511	16,725	17,417	17,743	19,156	17,546	17,734
Total Debt	3,218	3,085	3,286	3,106	3,285	3,523	3,789	3,561	3,821	3,671	3,594
Total Long-Term Debt	3,084	3,084	3,085	3,085	3,085	3,386	3,386	3,386	3,387	3,587	3,587
Net Debt	1,539	1,687	1,676	1,039	1,520	2,086	2,245	1,991	2,222	2,122	2,027
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	38	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	69	-1.00
Net Nonoperating Obligations (NNO)	3,218	3,085	3,286	3,106	3,285	3,523	3,790	3,561	3,821	3,671	3,593
Total Depreciation and Amortization (D&A)	14	6.00	-1.00	-10	-24	-29	-30	-35	-48	-54	-46
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($8.22)	$12.73	$9.31	$16.26	$15.63	$18.99	$16.87	$16.70	$11.80	($13.59)	$4.90
Adjusted Weighted Average Basic Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Adjusted Diluted Earnings per Share	($8.22)	$12.74	$9.31	$16.26	$15.63	$18.99	$16.87	$16.70	$11.80	($13.59)	$4.90
Adjusted Weighted Average Diluted Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	39.17M	39.16M	39.28M	43.40M	43.39M	43.38M	43.46M	43.27M	42.98M	42.93M	42.53M
Normalized Net Operating Profit after Tax (NOPAT)	-281	495	365	670	678	190	733	724	509	-524	209
Normalized NOPAT Margin	-9.21%	15.09%	11.11%	18.36%	16.99%	5.18%	17.74%	17.13%	11.88%	-11.29%	4.90%
Pre Tax Income Margin	-13.16%	17.31%	12.42%	20.55%	18.17%	7.40%	20.13%	19.68%	13.47%	-16.13%	5.82%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-16.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	-11.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	-16.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	-11.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	47.35%	42.71%	39.01%	21.88%	12.50%	11.44%	10.36%	10.72%	11.73%	24.33%	40.35%
Augmented Payout Ratio	63.33%	52.93%	48.04%	26.84%	12.55%	11.44%	12.37%	14.90%	19.78%	38.89%	83.29%

Key Financial Trends

Everest Group (NYSE: EG) has demonstrated a generally positive financial trajectory over the past year leading into Q1 2025, supported by strong revenue generation and solid net income growth compared to prior quarters. Here are the key highlights and trends observed from the last several quarters and fiscal years:

Strong Earnings in Q1 2025: The company reported net income of $210 million in Q1 2025, a significant rebound from a net loss of $593 million in Q4 2024. Earnings per share improved to $4.90 from a loss per share of $13.59 in Q4 2024, showcasing a strong turnaround.
Revenue Growth: Total revenue in Q1 2025 was $4.26 billion, maintaining robust top-line levels similar to previous quarters (e.g., $4.64 billion in Q4 2024 and $4.29 billion in Q3 2024).
Capital Gains and Premiums Earned: Net realized and unrealized capital gains reached $491 million in Q1 2025, consistent with strong gains in previous quarters. Premiums earned remained high at $3.85 billion, reflecting steady core business performance.
Operating Cash Flow Improvement: Net cash from continuing operating activities increased to $928 million in Q1 2025, indicating good cash generation from operations. This has improved from $780 million in Q4 2024.
Balance Sheet Strength: Total assets grew to $58.13 billion in Q1 2025 from $56.34 billion in Q4 2024. The company maintains a strong equity base, with total common equity growing to around $14.14 billion as of Q1 2025.
Stable Debt Levels: Long-term debt stayed relatively constant near $3.59 billion in recent quarters, with short-term debt remaining very low, which suggests manageable leverage and financial flexibility.
Dividend Payments Maintained: Cash dividends per share were $2.00 in Q1 2025, consistent with previous quarters, supporting shareholder returns.
Significant Insurance Claims Expense: Property & liability insurance claims expense remains high at $2.89 billion in Q1 2025, which is a substantial portion of total expenses and slightly elevated compared to earlier quarters.
Other Service Charges Negative Impact: Other service charges were negative $73 million in Q1 2025, indicating some operational costs or chargebacks that detracted from non-interest income.
Repurchases and Financing Activities: The company repurchased common stock ($200 million in Q1 2025) and paid dividends ($85 million), resulting in net cash outflows from financing activities totaling $324 million. This indicates continued capital return but also some cash outflow pressure.

Summary: Everest Group has shown resilience with a strong rebound in profitability in early 2025 following a challenging Q4 2024 quarter. The core business remains healthy with stable revenues and capital gains, supported by solid cash flow. However, the company continues to face elevated insurance claims expense and occasional negative service charge impacts. Overall, the financial trends suggest improving operational efficiency and profitability, with a focus on maintaining strong capital and cash flow management.

Retail investors may view the recent earnings recovery and stable dividend payouts favorably, though it is important to monitor the ongoing insurance claim expenses and any fluctuations in service-related charges. The consistent cash generation and controlled debt levels provide a solid base for future growth and sustained shareholder returns.

08/29/25 04:11 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Everest Group's Financials

When does Everest Group's financial year end?

According to the most recent income statement we have on file, Everest Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Everest Group's net income changed over the last 9 years?

Everest Group's net income appears to be on an upward trend, with a most recent value of $1.37 billion in 2024, rising from $977.87 million in 2015. The previous period was $2.52 billion in 2023. See Everest Group's forecast for analyst expectations on what’s next for the company.

How has Everest Group's revenue changed over the last 9 years?

Over the last 9 years, Everest Group's total revenue changed from $5.68 billion in 2015 to $17.28 billion in 2024, a change of 204.4%.

How much debt does Everest Group have?

Everest Group's total liabilities were at $42.47 billion at the end of 2024, a 17.3% increase from 2023, and a 228.1% increase since 2015.

How much cash does Everest Group have?

In the past 9 years, Everest Group's cash and equivalents has ranged from $481.92 million in 2016 to $16.68 billion in 2015, and is currently $1.55 billion as of their latest financial filing in 2024.

How has Everest Group's book value per share changed over the last 9 years?

Over the last 9 years, Everest Group's book value per share changed from 176.61 in 2015 to 322.86 in 2024, a change of 82.8%.

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This page (NYSE:EG) was last updated on 8/29/2025 by MarketBeat.com Staff

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Everest Group (EG) Financials

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Everest Group (EG) Financials

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