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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.15
ACE's Cash to Debt is ranked higher than
54% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. ACE: 0.15 )
ACE' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.15

Equity to Asset 0.31
ACE's Equity to Asset is ranked higher than
82% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. ACE: 0.31 )
ACE' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.52
Current: 0.31

0.13
0.52
Interest Coverage 15.41
ACE's Interest Coverage is ranked higher than
67% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 vs. ACE: 15.41 )
ACE' s 10-Year Interest Coverage Range
Min: 3.88   Max: 9999.99
Current: 15.41

3.88
9999.99
F-Score: 7
Z-Score: 0.86
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 22.00
ACE's Operating margin (%) is ranked higher than
92% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. ACE: 22.00 )
ACE' s 10-Year Operating margin (%) Range
Min: 11.27   Max: 22.91
Current: 22

11.27
22.91
Net-margin (%) 19.51
ACE's Net-margin (%) is ranked higher than
93% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. ACE: 19.51 )
ACE' s 10-Year Net-margin (%) Range
Min: -2.67   Max: 42.37
Current: 19.51

-2.67
42.37
ROE (%) 13.04
ACE's ROE (%) is ranked higher than
85% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. ACE: 13.04 )
ACE' s 10-Year ROE (%) Range
Min: -3.01   Max: 19.19
Current: 13.04

-3.01
19.19
ROA (%) 3.98
ACE's ROA (%) is ranked higher than
84% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. ACE: 3.98 )
ACE' s 10-Year ROA (%) Range
Min: -0.49   Max: 10.05
Current: 3.98

-0.49
10.05
Revenue Growth (%) 6.10
ACE's Revenue Growth (%) is ranked higher than
71% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. ACE: 6.10 )
ACE' s 10-Year Revenue Growth (%) Range
Min: -1.1   Max: 57.9
Current: 6.1

-1.1
57.9
EBITDA Growth (%) 4.80
ACE's EBITDA Growth (%) is ranked higher than
66% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. ACE: 4.80 )
ACE' s 10-Year EBITDA Growth (%) Range
Min: -72.2   Max: 336.5
Current: 4.8

-72.2
336.5
EPS Growth (%) 6.20
ACE's EPS Growth (%) is ranked higher than
69% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. ACE: 6.20 )
ACE' s 10-Year EPS Growth (%) Range
Min: -47.4   Max: 130.6
Current: 6.2

-47.4
130.6
» ACE's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

ACE Guru Trades in Q2 2013

Ray Dalio 7,285 sh (New)
Diamond Hill Capital 3,496 sh (+31.87%)
Jeremy Grantham 104,400 sh (+19.04%)
Louis Moore Bacon 50,000 sh (unchged)
John Keeley 26,085 sh (unchged)
Andreas Halvorsen Sold Out
Steven Cohen Sold Out
Scott Black 18,700 sh (-4.79%)
Chris Davis 3,541,380 sh (-14.22%)
Pioneer Investments 965,110 sh (-25.44%)
Arnold Schneider 62,189 sh (-74%)
» More
Q3 2013

ACE Guru Trades in Q3 2013

Steven Cohen 89,045 sh (New)
George Soros 21,000 sh (New)
Diamond Hill Capital 4,392 sh (+25.63%)
John Keeley 28,905 sh (+10.81%)
Chris Davis 3,658,128 sh (+3.3%)
Pioneer Investments 989,658 sh (+2.54%)
Ray Dalio 7,185 sh (-1.37%)
Scott Black 16,344 sh (-12.6%)
Jeremy Grantham 90,700 sh (-13.12%)
Louis Moore Bacon 35,315 sh (-29.37%)
Arnold Schneider 3,645 sh (-94.14%)
» More
Q4 2013

ACE Guru Trades in Q4 2013

David Dreman 2,245 sh (New)
Diamond Hill Capital 4,393 sh (+0.02%)
Louis Moore Bacon Sold Out
Arnold Schneider Sold Out
Ray Dalio Sold Out
George Soros Sold Out
Scott Black 16,209 sh (-0.83%)
John Keeley 28,625 sh (-0.97%)
Chris Davis 3,582,600 sh (-2.06%)
Jeremy Grantham 81,200 sh (-10.47%)
Pioneer Investments 482,955 sh (-51.2%)
Steven Cohen 2,779 sh (-96.88%)
» More
Q1 2014

ACE Guru Trades in Q1 2014

Ray Dalio 11,785 sh (New)
Richard Pzena 3,342 sh (New)
Paul Tudor Jones 11,619 sh (New)
Jim Simons 153,906 sh (New)
Steven Cohen 22,219 sh (+699.53%)
Scott Black 126,233 sh (+678.78%)
Pioneer Investments 545,506 sh (+12.95%)
John Keeley 30,235 sh (+5.62%)
Chris Davis 3,485,590 sh (-2.71%)
David Dreman 2,182 sh (-2.81%)
Diamond Hill Capital 4,098 sh (-6.72%)
Jeremy Grantham 73,600 sh (-9.36%)
» More
» Details

Insider Trades

Latest Guru Trades with ACE

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Scott Black 2014-03-31 Add 678.78%1.22%$92.19 - $103.53 $ 103.617%126233
Ray Dalio 2014-03-31 New Buy0.01%$92.19 - $103.53 $ 103.617%11785
David Dreman 2013-12-31 New Buy0.02%$91.01 - $103.15 $ 103.616%2245
George Soros 2013-12-31 Sold Out 0.02%$91.01 - $103.15 $ 103.616%0
Ray Dalio 2013-12-31 Sold Out 0.01%$91.01 - $103.15 $ 103.616%0
George Soros 2013-09-30 New Buy0.02%$87.72 - $95.58 $ 103.6113%21000
Ray Dalio 2013-06-30 New Buy0.01%$85.79 - $92.67 $ 103.6116%7285
Leon Cooperman 2012-12-31 Sold Out 0.4%$76.1 - $81.7 $ 103.6131%0
Ray Dalio 2012-12-31 Sold Out 0.01%$76.1 - $81.7 $ 103.6131%0
John Hussman 2012-09-30 Sold Out 0.35%$69.18 - $77.04 $ 103.6141%0
Leon Cooperman 2012-09-30 Reduce -40.28%0.3%$69.18 - $77.04 $ 103.6141%264893
Ray Dalio 2012-09-30 Reduce -77.94%0.05%$69.18 - $77.04 $ 103.6141%12085
Leon Cooperman 2012-06-30 Reduce -36.93%0.37%$70.03 - $77.34 $ 103.6141%443593
Ray Dalio 2012-06-30 New Buy0.06%$70.03 - $77.34 $ 103.6141%54785
John Hussman 2012-03-31 Reduce -33.33%0.17%$68.98 - $74.21 $ 103.6155%300000
John Keeley 2012-03-31 Add 110.05%0.02%$68.98 - $74.21 $ 103.6155%25405
John Hussman 2011-12-31 Reduce -55%0.53%$59.11 - $73.33 $ 103.6153%450000
John Keeley 2011-12-31 Reduce -55.49%0.02%$59.11 - $73.33 $ 103.6153%12095
Ray Dalio 2011-12-31 Sold Out 0.02%$59.11 - $73.33 $ 103.6153%0
Leon Cooperman 2011-09-30 Reduce -21.38%0.28%$58.98 - $68.38 $ 103.6163%681293
John Hussman 2011-09-30 Add 31.58%0.23%$58.98 - $68.38 $ 103.6163%1000000
Ray Dalio 2011-09-30 New Buy0.02%$58.98 - $68.38 $ 103.6164%21798
Leon Cooperman 2011-06-30 Add 17.39%0.19%$63.95 - $69.35 $ 103.6156%866593
George Soros 2011-06-30 Sold Out $63.95 - $69.35 $ 103.6156%0
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 9.90
ACE's P/E(ttm) is ranked higher than
87% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. ACE: 9.90 )
ACE' s 10-Year P/E(ttm) Range
Min: 5.72   Max: 17.07
Current: 9.9

5.72
17.07
P/B 1.20
ACE's P/B is ranked higher than
75% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. ACE: 1.20 )
ACE' s 10-Year P/B Range
Min: 0.74   Max: 1.58
Current: 1.2

0.74
1.58
P/S 1.80
ACE's P/S is ranked higher than
61% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. ACE: 1.80 )
ACE' s 10-Year P/S Range
Min: 0.77   Max: 1.87
Current: 1.8

0.77
1.87
PFCF 8.00
ACE's PFCF is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. ACE: 8.00 )
ACE' s 10-Year PFCF Range
Min: 1.77   Max: 9.54
Current: 8

1.77
9.54
EV-to-EBIT 9.31
ACE's EV-to-EBIT is ranked higher than
71% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. ACE: 9.31 )
ACE' s 10-Year EV-to-EBIT Range
Min: 5   Max: 13.5
Current: 9.31

5
13.5
PEG 2.50
ACE's PEG is ranked higher than
78% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.07 vs. ACE: 2.50 )
ACE' s 10-Year PEG Range
Min: 0.15   Max: 12.01
Current: 2.5

0.15
12.01
Shiller P/E 13.10
ACE's Shiller P/E is ranked higher than
90% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.98 vs. ACE: 13.10 )
ACE' s 10-Year Shiller P/E Range
Min: 5.9   Max: 22.7
Current: 13.1

5.9
22.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
ACE's Dividend Yield is ranked lower than
57% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. ACE: 2.40 )
ACE' s 10-Year Dividend Yield Range
Min: 0.6   Max: 3.05
Current: 2.4

0.6
3.05
Dividend Payout 0.22
ACE's Dividend Payout is ranked higher than
77% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. ACE: 0.22 )
ACE' s 10-Year Dividend Payout Range
Min: -7   Max: 4.33
Current: 0.22

-7
4.33
Dividend growth (3y) 15.10
ACE's Dividend growth (3y) is ranked higher than
89% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. ACE: 15.10 )
ACE' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 26.7
Current: 15.1

0
26.7
Yield on cost (5-Year) 2.40
ACE's Yield on cost (5-Year) is ranked lower than
66% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. ACE: 2.40 )
ACE' s 10-Year Yield on cost (5-Year) Range
Min: 0.6   Max: 3.05
Current: 2.4

0.6
3.05
Share Buyback Rate -0.30
ACE's Share Buyback Rate is ranked higher than
74% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. ACE: -0.30 )
ACE' s 10-Year Share Buyback Rate Range
Min: -0.3   Max: -22.4
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
ACE's Price/Tangible Book is ranked higher than
74% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. ACE: 1.40 )
ACE' s 10-Year Price/Tangible Book Range
Min: 0.19   Max: 3.83
Current: 1.4

0.19
3.83
Price/DCF (Projected) 0.50
ACE's Price/DCF (Projected) is ranked higher than
85% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. ACE: 0.50 )
ACE' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 16.77
Current: 0.5

0.25
16.77
Price/Median PS Value 1.40
ACE's Price/Median PS Value is ranked higher than
58% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. ACE: 1.40 )
ACE' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 3.7
Current: 1.4

0.49
3.7
Price/Peter Lynch Fair Value 1.20
ACE's Price/Peter Lynch Fair Value is ranked higher than
89% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. ACE: 1.20 )
ACE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 2.07
Current: 1.2

0.3
2.07
Price/Graham Number 0.80
ACE's Price/Graham Number is ranked higher than
81% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. ACE: 0.80 )
ACE' s 10-Year Price/Graham Number Range
Min: 0.09   Max: 3.11
Current: 0.8

0.09
3.11
Earnings Yield (Greenblatt) 10.80
ACE's Earnings Yield (Greenblatt) is ranked higher than
66% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. ACE: 10.80 )
ACE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.4   Max: 20.2
Current: 10.8

7.4
20.2
Forward Rate of Return (Yacktman) 17.06
ACE's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. ACE: 17.06 )
ACE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.9   Max: 71.2
Current: 17.06

-3.9
71.2

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:AEX.Germany
ACE Ltd is a holding company which, until July 18, 2008, was incorporated with limited liability under the Cayman Islands Companies law. On July 10, 2008, and July 14, 2008, during the Company's annual general meeting, the shareholders approved the continuation and the Company became a Swiss company effective July 18, 2008. The Company, through its various subsidiaries, provides insurance and reinsurance products to insured's. It operates through the following business segments: Insurance - North American, Insurance - Overseas General, Global Reinsurance, and Life Insurance and Reinsurance. The Insurance - North American segment comprises its P&C operation in the U.S., Canada, and Bermuda. ACE Westchester specializes in the wholesale distribution of excess, surplus, and specialty P&C products. ACE Bermuda provides commercial insurance products on an excess basis to a client base, covering exposures that are generally low in frequency and high in severity. ACE Private Risk Services provides personal lines for high net worth clients. ACE USA mainly distributes its insurance products through a limited number of brokers. In addition to using brokers, certain products are also distributed through channels such as general agents, independent agents, managing general agents, managing general underwriters, alliances, affinity groups, and direct marketing operations. ACE USA has also established Internet distribution channels for some of its products. Insurance - Overseas General comprises ACE International, its network of retail insurance operations outside North America, and the wholesale insurance operations of ACE Global Markets, its London-based excess and surplus lines business that includes Lloyd's Syndicate 2488. ACE International provides D&O, and professional indemnity coverage. Marine cargo and hull coverage are written in the London market as well as in marine markets. The A&H insurance operations provide products that are designed to meet the insurance needs of individuals and groups outside of U.S. insurance markets. ACE Life Re helps clients manage mortality, morbidity, lapse, and/or capital market risks embedded in their books of business.

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