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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.2x - 1.3x | 1.3x |
| Historical Pb Multiple | 0.9x - 1.4x | 1.2x |
| Fair Value | $46.76 - $51.69 | $49.22 |
| Upside | -2.7% - 7.6% | 2.4% |
| Benchmarks | - | Full Ticker |
| The Hanover Insurance Group, Inc. | - | NYSE:THG |
| Cincinnati Financial Corporation | - | NasdaqGS:CINF |
| W. R. Berkley Corporation | - | NYSE:WRB |
| Unum Group | - | NYSE:UNM |
| Aflac Incorporated | - | NYSE:AFL |
| CNA Financial Corporation | - | NYSE:CNA |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| THG | CINF | WRB | UNM | AFL | CNA | |||
| NYSE:THG | NasdaqGS:CINF | NYSE:WRB | NYSE:UNM | NYSE:AFL | NYSE:CNA | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -0.2% | 2.8% | 20.8% | 10.1% | 10.5% | -0.8% | ||
| 3Y CAGR | 0.4% | -8.3% | 19.8% | 21.9% | 8.8% | -6.8% | ||
| Latest Twelve Months | 1169.6% | 24.4% | 27.1% | 38.6% | 16.8% | -20.4% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 5.0% | 16.0% | 10.4% | 9.5% | 22.6% | 7.9% | ||
| Prior Fiscal Year | 0.6% | 18.4% | 11.4% | 10.4% | 24.9% | 9.1% | ||
| Latest Fiscal Year | 6.8% | 20.2% | 12.9% | 13.8% | 28.8% | 6.7% | ||
| Latest Twelve Months | 6.8% | 20.2% | 12.9% | 13.8% | 28.8% | 6.7% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 9.2% | 14.0% | 16.5% | 11.7% | 17.2% | 9.2% | ||
| Prior Fiscal Year | 1.4% | 16.3% | 19.5% | 14.0% | 22.1% | 13.1% | ||
| Latest Twelve Months | 16.0% | 17.6% | 22.2% | 17.3% | 22.6% | 9.4% | ||
| Next Fiscal Year | 17.4% | 5.8% | 19.1% | 14.2% | 14.2% | 12.2% | ||
| Two Fiscal Years Forward | 16.9% | 8.8% | 17.9% | 14.1% | 14.4% | 12.0% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 0.9x | 1.7x | 1.9x | 1.1x | 3.0x | 0.9x | ||
| Price / LTM EPS | 13.4x | 8.6x | 14.5x | 7.6x | 10.6x | 13.5x | ||
| Price / Book | 2.0x | 1.4x | 3.0x | 1.2x | 2.2x | 1.2x | ||
| Price / Fwd Book | 1.7x | 1.5x | 2.6x | 1.2x | 2.2x | 1.1x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.2x | 2.0x | 3.0x | |||||
| Historical P/B Ratio | 0.9x | 1.2x | 1.4x | |||||
| Selected P/B Multiple | 1.2x | 1.3x | 1.3x | |||||
| (x) Book Value | 10,513 | 10,513 | 10,513 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | THG | CINF | WRB | UNM | AFL | CNA | |
| Value of Common Equity | 5,632 | 21,073 | 25,382 | 13,592 | 57,556 | 12,981 | |
| (/) Shares Outstanding | 35.9 | 156.5 | 379.2 | 176.8 | 546.6 | 270.2 | |
| Implied Stock Price | 156.77 | 134.63 | 66.93 | 76.89 | 105.30 | 48.05 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 156.77 | 134.63 | 66.93 | 76.89 | 105.30 | 48.05 | |
| 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 | |