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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.1x - 1.2x | 1.1x |
| Historical Pb Multiple | 0.6x - 2.6x | 1.3x |
| Fair Value | €160.35 - €177.23 | €168.79 |
| Upside | -2.2% - 8.1% | 2.9% |
| Benchmarks | - | Full Ticker |
| CNO Financial Group, Inc. | - | NYSE:CNO |
| Primerica, Inc. | - | NYSE:PRI |
| Unum Group | - | NYSE:UNM |
| Assurant, Inc. | - | NYSE:AIZ |
| American International Group, Inc. | - | NYSE:AIG |
| Reinsurance Group of America, Incorporated | - | DB:RGPB |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| CNO | PRI | UNM | AIZ | AIG | RGPB | |||
| NYSE:CNO | NYSE:PRI | NYSE:UNM | NYSE:AIZ | NYSE:AIG | DB:RGPB | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -0.3% | 14.5% | 10.1% | 21.8% | -7.7% | -3.8% | ||
| 3Y CAGR | -10.9% | 14.8% | 21.9% | 8.3% | -40.3% | -15.1% | ||
| Latest Twelve Months | -21.6% | 21.3% | 19.1% | -12.4% | 3.6% | -7.8% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 10.9% | 16.6% | 9.7% | 6.4% | 8.4% | 4.0% | ||
| Prior Fiscal Year | 6.7% | 20.9% | 10.4% | 5.8% | 8.9% | 4.9% | ||
| Latest Fiscal Year | 9.1% | 22.8% | 13.8% | 6.4% | 8.1% | 3.2% | ||
| Latest Twelve Months | 7.1% | 23.0% | 12.3% | 5.6% | 9.3% | 3.8% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 13.5% | 26.0% | 11.9% | 10.6% | 6.5% | 7.3% | ||
| Prior Fiscal Year | 13.9% | 28.7% | 14.0% | 14.2% | 5.8% | 11.2% | ||
| Latest Twelve Months | 12.5% | 33.3% | 14.7% | 13.2% | 5.9% | 7.6% | ||
| Next Fiscal Year | 15.4% | 29.5% | 14.1% | 15.8% | 8.9% | 13.5% | ||
| Two Fiscal Years Forward | 16.7% | 29.0% | 14.0% | 17.0% | 11.5% | 13.2% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 0.9x | 2.8x | 1.1x | 0.8x | 1.8x | 0.6x | ||
| Price / LTM EPS | 12.0x | 12.1x | 8.8x | 14.4x | 19.1x | 16.5x | ||
| Price / Book | 1.4x | 4.0x | 1.2x | 1.8x | 1.2x | 1.1x | ||
| Price / Fwd Book | 1.5x | 3.8x | 1.3x | 1.8x | 1.3x | 1.1x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.2x | 1.4x | 4.0x | |||||
| Historical P/B Ratio | 0.6x | 1.3x | 2.6x | |||||
| Selected P/B Multiple | 1.1x | 1.1x | 1.2x | |||||
| (x) Book Value | 11,402 | 11,402 | 11,402 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | CNO | PRI | UNM | AIZ | AIG | RGPB | |
| Value of Common Equity | 3,722 | 8,962 | 14,113 | 9,647 | 47,951 | 12,687 | |
| (/) Shares Outstanding | 99.1 | 32.9 | 174.4 | 50.7 | 576.3 | 66.1 | |
| Implied Stock Price | 37.54 | 272.73 | 80.94 | 190.26 | 83.20 | 191.97 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.17 | |
| Implied Stock Price (Trading Cur) | 37.54 | 272.73 | 80.94 | 190.26 | 83.20 | 164.00 | |
| Trading Currency | USD | USD | USD | USD | USD | EUR | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.17 | |