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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.1x - 1.2x | 1.2x |
| Historical Pb Multiple | 0.5x - 2.2x | 1.3x |
| Fair Value | $86.67 - $95.79 | $91.23 |
| Upside | -16.7% - -7.9% | -12.3% |
| Benchmarks | - | Full Ticker |
| Globe Life Inc. | - | NYSE:GL |
| Assurant, Inc. | - | NYSE:AIZ |
| The Travelers Companies, Inc. | - | NYSE:TRV |
| The Progressive Corporation | - | NYSE:PGR |
| The Hanover Insurance Group, Inc. | - | NYSE:THG |
| Prudential Financial, Inc. | - | NYSE:PRU |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| GL | AIZ | TRV | PGR | THG | PRU | |||
| NYSE:GL | NYSE:AIZ | NYSE:TRV | NYSE:PGR | NYSE:THG | NYSE:PRU | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 7.1% | 21.8% | 13.8% | 16.5% | -0.2% | -8.2% | ||
| 3Y CAGR | 1.3% | 8.3% | 10.9% | 36.5% | 0.4% | -32.4% | ||
| Latest Twelve Months | 10.3% | 18.3% | 36.0% | 51.9% | 1169.6% | 9.6% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 16.8% | 6.4% | 8.6% | 7.8% | 5.0% | 3.9% | ||
| Prior Fiscal Year | 17.8% | 5.8% | 7.2% | 6.2% | 0.6% | 4.6% | ||
| Latest Fiscal Year | 18.5% | 6.4% | 10.7% | 11.2% | 6.8% | 3.8% | ||
| Latest Twelve Months | 18.5% | 6.4% | 9.0% | 11.1% | 6.8% | 3.8% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 15.0% | 10.2% | 12.7% | 23.6% | 9.2% | 5.7% | ||
| Prior Fiscal Year | 23.0% | 14.2% | 12.8% | 22.0% | 1.4% | 8.4% | ||
| Latest Twelve Months | 21.9% | 15.3% | 15.9% | 34.3% | 16.0% | 9.7% | ||
| Next Fiscal Year | 21.2% | 15.6% | 14.7% | 30.9% | 17.0% | 16.9% | ||
| Two Fiscal Years Forward | 21.9% | 16.7% | 17.2% | 24.2% | 17.0% | 16.8% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 1.8x | 0.8x | 1.3x | 2.0x | 0.9x | 0.5x | ||
| Price / LTM EPS | 9.6x | 12.9x | 13.9x | 17.8x | 13.9x | 13.7x | ||
| Price / Book | 1.9x | 1.9x | 2.1x | 5.4x | 2.1x | 1.3x | ||
| Price / Fwd Book | 1.9x | 1.8x | 2.0x | 4.6x | 1.8x | 1.2x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 1.9x | 2.1x | 5.4x | |||||
| Historical P/B Ratio | 0.5x | 1.3x | 2.2x | |||||
| Selected P/B Multiple | 1.1x | 1.2x | 1.2x | |||||
| (x) Book Value | 27,872 | 27,872 | 27,872 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | GL | AIZ | TRV | PGR | THG | PRU | |
| Value of Common Equity | 10,315 | 9,827 | 58,999 | 155,464 | 5,906 | 36,871 | |
| (/) Shares Outstanding | 83.2 | 50.9 | 226.6 | 586.2 | 36.0 | 354.4 | |
| Implied Stock Price | 123.92 | 193.19 | 260.40 | 265.19 | 163.89 | 104.03 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 123.92 | 193.19 | 260.40 | 265.19 | 163.89 | 104.03 | |
| 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 | |