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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 0.14
ACE's Cash to Debt is ranked lower than
92% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. ACE: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
ACE' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.25 Max: N/A
Current: 0.14
Equity to Asset 0.30
ACE's Equity to Asset is ranked higher than
58% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. ACE: 0.30 )
Ranked among companies with meaningful Equity to Asset only.
ACE' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.24 Max: 0.52
Current: 0.3
0.13
0.52
Interest Coverage 12.45
ACE's Interest Coverage is ranked lower than
63% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. ACE: 12.45 )
Ranked among companies with meaningful Interest Coverage only.
ACE' s 10-Year Interest Coverage Range
Min: 3.88  Med: 12.45 Max: 9999.99
Current: 12.45
3.88
9999.99
F-Score: 4
WACC vs ROIC
9.88%
8.59%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 18.08
ACE's Operating margin (%) is ranked higher than
75% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. ACE: 18.08 )
Ranked among companies with meaningful Operating margin (%) only.
ACE' s 10-Year Operating margin (%) Range
Min: 11.27  Med: 16.59 Max: 22.91
Current: 18.08
11.27
22.91
Net-margin (%) 14.63
ACE's Net-margin (%) is ranked higher than
74% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.39 vs. ACE: 14.63 )
Ranked among companies with meaningful Net-margin (%) only.
ACE' s 10-Year Net-margin (%) Range
Min: -2.67  Med: 14.99 Max: 42.37
Current: 14.63
-2.67
42.37
ROE (%) 9.40
ACE's ROE (%) is ranked lower than
57% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. ACE: 9.40 )
Ranked among companies with meaningful ROE (%) only.
ACE' s 10-Year ROE (%) Range
Min: -3.17  Med: 12.35 Max: 20.67
Current: 9.4
-3.17
20.67
ROA (%) 2.88
ACE's ROA (%) is ranked higher than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. ACE: 2.88 )
Ranked among companies with meaningful ROA (%) only.
ACE' s 10-Year ROA (%) Range
Min: -0.53  Med: 3.01 Max: 10.5
Current: 2.88
-0.53
10.5
Revenue Growth (3Y)(%) 4.60
ACE's Revenue Growth (3Y)(%) is ranked lower than
60% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. ACE: 4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACE' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.1  Med: 6.60 Max: 57.9
Current: 4.6
-1.1
57.9
EBITDA Growth (3Y)(%) 19.30
ACE's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. ACE: 19.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ACE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.50 Max: 336.5
Current: 19.3
0
336.5
EPS Growth (3Y)(%) 23.00
ACE's EPS Growth (3Y)(%) is ranked higher than
59% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.40 vs. ACE: 23.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ACE' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.4  Med: 6.20 Max: 130.6
Current: 23
-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 2014

ACE Guru Trades in Q2 2014

Richard Pzena 56,109 sh (+1578.90%)
Ray Dalio Sold Out
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Chris Davis 3,309,858 sh (-5.04%)
John Keeley 28,555 sh (-5.56%)
Jeremy Grantham 67,400 sh (-8.42%)
Diamond Hill Capital 3,150 sh (-23.13%)
Scott Black 94,513 sh (-25.13%)
David Dreman 610 sh (-72.04%)
Pioneer Investments 42,604 sh (-92.19%)
» More
Q3 2014

ACE Guru Trades in Q3 2014

Ray Dalio 6,185 sh (New)
Jim Simons 225,900 sh (New)
Jeremy Grantham 100,600 sh (+49.26%)
Chris Davis 3,369,187 sh (+1.79%)
Diamond Hill Capital 3,151 sh (+0.03%)
Pioneer Investments 68,506 sh (unchged)
John Keeley 28,555 sh (unchged)
Scott Black 94,166 sh (-0.37%)
Richard Pzena 45,684 sh (-18.58%)
David Dreman 471 sh (-22.79%)
» More
Q4 2014

ACE Guru Trades in Q4 2014

Steven Cohen 50,700 sh (New)
Pioneer Investments 85,766 sh (+25.19%)
John Keeley 28,565 sh (+0.04%)
Jim Simons Sold Out
Diamond Hill Capital Sold Out
Chris Davis 3,353,376 sh (-0.47%)
Richard Pzena 43,684 sh (-4.38%)
Scott Black 80,398 sh (-14.62%)
Jeremy Grantham 85,600 sh (-14.91%)
David Dreman 304 sh (-35.46%)
Ray Dalio 2,785 sh (-54.97%)
» More
Q1 2015

ACE Guru Trades in Q1 2015

Jim Simons 447,100 sh (New)
Paul Tudor Jones 8,692 sh (New)
Richard Pzena 47,147 sh (+7.93%)
Jeremy Grantham 91,500 sh (+6.89%)
Scott Black 85,576 sh (+6.44%)
David Dreman 304 sh (unchged)
Ray Dalio Sold Out
Steven Cohen Sold Out
John Keeley 28,445 sh (-0.42%)
Chris Davis 3,313,723 sh (-1.18%)
Pioneer Investments 83,976 sh (-2.09%)
» More
» Details

Insider Trades

Latest Guru Trades with ACE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.51
ACE's P/E(ttm) is ranked lower than
51% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. ACE: 12.51 )
Ranked among companies with meaningful P/E(ttm) only.
ACE' s 10-Year P/E(ttm) Range
Min: 5.72  Med: 10.25 Max: 17.07
Current: 12.51
5.72
17.07
Forward P/E 11.09
ACE's Forward P/E is ranked higher than
70% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.94 vs. ACE: 11.09 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.50
ACE's PE(NRI) is ranked lower than
52% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. ACE: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
ACE' s 10-Year PE(NRI) Range
Min: 5.72  Med: 10.15 Max: 17.1
Current: 12.5
5.72
17.1
P/B 1.16
ACE's P/B is ranked higher than
58% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. ACE: 1.16 )
Ranked among companies with meaningful P/B only.
ACE' s 10-Year P/B Range
Min: 0.74  Med: 1.14 Max: 1.58
Current: 1.16
0.74
1.58
P/S 1.82
ACE's P/S is ranked lower than
74% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. ACE: 1.82 )
Ranked among companies with meaningful P/S only.
ACE' s 10-Year P/S Range
Min: 0.77  Med: 1.38 Max: 2.05
Current: 1.82
0.77
2.05
POCF 8.07
ACE's POCF is ranked higher than
61% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.17 vs. ACE: 8.07 )
Ranked among companies with meaningful POCF only.
ACE' s 10-Year POCF Range
Min: 1.77  Med: 4.97 Max: 9.54
Current: 8.07
1.77
9.54
EV-to-EBIT 9.90
ACE's EV-to-EBIT is ranked lower than
62% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. ACE: 9.90 )
Ranked among companies with meaningful EV-to-EBIT only.
ACE' s 10-Year EV-to-EBIT Range
Min: 5  Med: 9.00 Max: 13.5
Current: 9.9
5
13.5
PEG 2.66
ACE's PEG is ranked lower than
87% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. ACE: 2.66 )
Ranked among companies with meaningful PEG only.
ACE' s 10-Year PEG Range
Min: 0.15  Med: 1.09 Max: 12.14
Current: 2.66
0.15
12.14
Shiller P/E 12.28
ACE's Shiller P/E is ranked higher than
86% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.59 vs. ACE: 12.28 )
Ranked among companies with meaningful Shiller P/E only.
ACE' s 10-Year Shiller P/E Range
Min: 5.86  Med: 12.36 Max: 22.51
Current: 12.28
5.86
22.51
Days Sales Outstanding 95.84
ACE's Days Sales Outstanding is ranked lower than
64% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 86.93 vs. ACE: 95.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACE' s 10-Year Days Sales Outstanding Range
Min: 11.6  Med: 95.12 Max: 795.58
Current: 95.84
11.6
795.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.53
ACE's Dividend Yield is ranked lower than
70% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.95 vs. ACE: 2.53 )
Ranked among companies with meaningful Dividend Yield only.
ACE' s 10-Year Dividend Yield Range
Min: 1.39  Med: 2.01 Max: 3.32
Current: 2.53
1.39
3.32
Dividend Payout 0.31
ACE's Dividend Payout is ranked higher than
83% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. ACE: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
ACE' s 10-Year Dividend Payout Range
Min: 0.01  Med: 0.16 Max: 4.5
Current: 0.31
0.01
4.5
Dividend growth (3y) 46.10
ACE's Dividend growth (3y) is ranked higher than
96% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. ACE: 46.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
ACE' s 10-Year Dividend growth (3y) Range
Min: -1.9  Med: 12.20 Max: 46.1
Current: 46.1
-1.9
46.1
Yield on cost (5-Year) 6.22
ACE's Yield on cost (5-Year) is ranked higher than
72% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.46 vs. ACE: 6.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ACE' s 10-Year Yield on cost (5-Year) Range
Min: 3.4  Med: 4.92 Max: 8.12
Current: 6.22
3.4
8.12
Share Buyback Rate 0.20
ACE's Share Buyback Rate is ranked higher than
57% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. ACE: 0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
ACE' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: -3.60 Max: -22.4
Current: 0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
ACE's Price/Tangible Book is ranked higher than
52% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. ACE: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
ACE' s 10-Year Price/Tangible Book Range
Min: 0.99  Med: 1.61 Max: 3.83
Current: 1.4
0.99
3.83
Price/Projected FCF 1.45
ACE's Price/Projected FCF is ranked lower than
86% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. ACE: 1.45 )
Ranked among companies with meaningful Price/Projected FCF only.
ACE' s 10-Year Price/Projected FCF Range
Min: 0.73  Med: 1.42 Max: 129.55
Current: 1.45
0.73
129.55
Price/DCF (Earnings Based) 0.93
ACE's Price/DCF (Earnings Based) is ranked higher than
56% of the 9 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. ACE: 0.93 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.32
ACE's Price/Median PS Value is ranked lower than
76% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. ACE: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
ACE' s 10-Year Price/Median PS Value Range
Min: 0.46  Med: 1.02 Max: 3.51
Current: 1.32
0.46
3.51
Price/Peter Lynch Fair Value 2.44
ACE's Price/Peter Lynch Fair Value is ranked lower than
95% of the 41 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.67 vs. ACE: 2.44 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ACE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3  Med: 0.72 Max: 2.62
Current: 2.44
0.3
2.62
Price/Graham Number 0.87
ACE's Price/Graham Number is ranked higher than
52% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. ACE: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
ACE' s 10-Year Price/Graham Number Range
Min: 0.52  Med: 0.85 Max: 3.11
Current: 0.87
0.52
3.11
Earnings Yield (Greenblatt) (%) 10.08
ACE's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. ACE: 10.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACE' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 7.4  Med: 11.20 Max: 20.2
Current: 10.08
7.4
20.2
Forward Rate of Return (Yacktman) (%) 5.12
ACE's Forward Rate of Return (Yacktman) (%) is ranked lower than
67% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.24 vs. ACE: 5.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ACE' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.8  Med: 7.80 Max: 46.4
Current: 5.12
-0.8
46.4

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 the Swiss-incorporated holding company of the ACE Group of Companies founded in 1985. The Company with its direct and indirect subsidiaries provides insurance and reinsurance organization, serving the needs of a diverse group of clients. It offers commercial insurance products and service offerings such as risk management programs, loss control and engineering and complex claims management. It provides specialized insurance products ranging from Directors & Officers (D&O) and professional liability to various specialty-casualty and umbrella and excess casualty lines to niche areas such as aviation and energy. It also offers personal lines insurance coverage including homeowners, automobile, valuables, umbrella liability, and recreational marine products. In addition, it supplies personal accident, supplemental health, and life insurance to individuals in select countries. The Company operates five business segments: Insurance - North American P&C includes the Company's retail divisions: ACE USA (including ACE Canada), ACE Commercial Risk Services, and ACE Private Risk Services, wholesale and specialty divisions: ACE Westchester and ACE Bermuda, Various run-off operations, including Brandywine Holdings Corporation (Brandywine); Insurance - North American Agriculture comprises Rain and Hail Insurance Service, Inc. (Rain and Hail) and ACE Agribusiness; Insurance - Overseas General comprises ACE International and ACE Global Markets (AGM). ACE International comprises its retail commercial P&C, A&H, and personal lines businesses serving territories outside the U.S., Bermuda, and Canada, and the international supplemental A&H business of Combined Insurance. AGM, its London-based international specialty and excess and surplus lines business, includes Lloyd's of London (Lloyd's) Syndicate 2488 (Syndicate 2488), a wholly-owned ACE syndicate; Global Reinsurance represents ACE's reinsurance operations comprising ACE Tempest Re Bermuda, ACE Tempest Re USA, ACE Tempest Re International, and ACE Tempest Re Canada. The Global Reinsurance segment also includes AGM's reinsurance operations. Global Reinsurance markets reinsurance products under the ACE Tempest Re brand name and provides solutions for small to mid-sized clients and multinational ceding companies including licensed reinsurance capabilities, property and workers' compensation catastrophe, loss-warranty, stop-loss cover, marine and aviation programs; and Life segment comprises ACE's international life operations (ACE Life), ACE Tempest Life Re (ACE Life Re), and the North American supplemental A&H and life business of Combined Insurance. The Company competitors include other stock companies, mutual companies, alternative risk sharing groups (such as group captives and catastrophe pools), and other underwriting organizations. It compete for business not only on the basis of price but also on the basis of availability of coverage desired by customers and quality of service.
» More Articles for ACE

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