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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.0x - 1.1x | 1.1x |
| Historical Pb Multiple | -7.5x - 1.2x | 1.0x |
| Fair Value | $4.35 - $4.80 | $4.57 |
| Upside | -15.1% - -6.2% | -10.7% |
| Benchmarks | - | Full Ticker |
| Genworth Financial, Inc. | - | NYSE:GNW |
| UTG, Inc. | - | OTCPK:UTGN |
| Principal Financial Group, Inc. | - | NasdaqGS:PFG |
| Lincoln National Corporation | - | NYSE:LNC |
| Prudential Financial, Inc. | - | NYSE:PRU |
| Citizens, Inc. | - | NYSE:CIA |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| GNW | UTGN | PFG | LNC | PRU | CIA | |||
| NYSE:GNW | OTCPK:UTGN | NasdaqGS:PFG | NYSE:LNC | NYSE:PRU | NYSE:CIA | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -4.2% | -30.9% | 2.4% | 29.2% | -8.2% | NM- | ||
| 3Y CAGR | -28.1% | -2.2% | -0.2% | -5.5% | -32.4% | -41.0% | ||
| Latest Twelve Months | 306.6% | 182.6% | 152.1% | 481.8% | 9.6% | -39.0% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 7.1% | 22.8% | 12.6% | 6.5% | 3.9% | 8.1% | ||
| Prior Fiscal Year | 1.0% | 49.1% | 4.6% | -7.1% | 4.6% | 10.2% | ||
| Latest Fiscal Year | 4.2% | 7.7% | 9.7% | 17.7% | 3.8% | 6.1% | ||
| Latest Twelve Months | 4.2% | 58.3% | 9.7% | 17.7% | 3.8% | 6.1% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 4.7% | 9.6% | 15.4% | 10.9% | 5.7% | 12.3% | ||
| Prior Fiscal Year | 1.0% | 23.0% | 6.0% | -16.6% | 8.4% | 16.3% | ||
| Latest Twelve Months | 3.9% | 25.5% | 14.3% | 48.3% | 9.7% | 7.8% | ||
| Next Fiscal Year | 3.5% | 4.3% | 16.9% | 17.3% | 17.6% | 7.1% | ||
| Two Fiscal Years Forward | 3.5% | 4.2% | 17.7% | 16.3% | 17.1% | 8.2% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 0.4x | 1.2x | 1.2x | 0.4x | 0.6x | 1.0x | ||
| Price / LTM EPS | 9.7x | 2.1x | 12.3x | 2.0x | 15.0x | 17.1x | ||
| Price / Book | 0.4x | 0.5x | 1.7x | 0.9x | 1.5x | 1.2x | ||
| Price / Fwd Book | 0.3x | 0.6x | 1.7x | 0.8x | 1.3x | 1.1x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.4x | 0.9x | 1.7x | |||||
| Historical P/B Ratio | -7.5x | 1.0x | 1.2x | |||||
| Selected P/B Multiple | 1.0x | 1.1x | 1.1x | |||||
| (x) Book Value | 210 | 210 | 210 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | GNW | UTGN | PFG | LNC | PRU | CIA | |
| Value of Common Equity | 2,986 | 94 | 19,325 | 6,423 | 40,483 | 256 | |
| (/) Shares Outstanding | 418.9 | 3.2 | 225.6 | 170.4 | 354.0 | 49.9 | |
| Implied Stock Price | 7.13 | 29.95 | 85.67 | 37.69 | 114.36 | 5.12 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 7.13 | 29.95 | 85.67 | 37.69 | 114.36 | 5.12 | |
| 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 | |