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32.27 (1y: +58%)
Market Cap 9.41 B P/E(ttm) 12.00
Enterprise Value 11.13 B P/B 0.90
XL- NYSE (USA)
XL Group PLC
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$32.27
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GuruFocus Financial Strength Rank measures how strong a companyÂ’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 : 4/10

vs
industry		 vs
history
Cash to Debt 1.565
XL's Cash to Debt is ranked higher than
55% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. XL: 1.565 )
XL' s 10-Year Cash to Debt Range
Min: 0.66   Max: 2.07
Current: 1.57
0.66
2.07
Equity to Asset 0.223
XL's Equity to Asset is ranked lower than
57% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.23 vs. XL: 0.223 )
XL' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.26
Current: 0.22
0.11
0.26
Interest Coverage 4.1
XL's Interest Coverage is ranked lower than
96% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10000.00 vs. XL: 4.1 )
XL' s 10-Year Interest Coverage Range
Min: 1   Max: 15
Current: 4.1
1
15
F-Score: 6
Z-Score: 0.4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyÂ’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 (%) 9.80
XL's Operating margin (%) is ranked higher than
58% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. XL: 9.80 )
XL' s 10-Year Operating margin (%) Range
Min: -17.1   Max: 24.9
Current: 9.8
-17.1
24.9
Net-margin (%) 9
XL's Net-margin (%) is ranked higher than
71% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. XL: 9 )
XL' s 10-Year Net-margin (%) Range
Min: -35.7   Max: 18.7
Current: 9
-35.7
18.7
ROE (%) 6.2
XL's ROE (%) is ranked lower than
56% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.00 vs. XL: 6.2 )
XL' s 10-Year ROE (%) Range
Min: -41.8   Max: 17.4
Current: 6.2
-41.8
17.4
ROA (%) 1.4
XL's ROA (%) is ranked lower than
57% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.00 vs. XL: 1.4 )
XL' s 10-Year ROA (%) Range
Min: -5.6   Max: 3.1
Current: 1.4
-5.6
3.1
Revenue Growth (%) 6.4
XL's Revenue Growth (%) is ranked lower than
74% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.90 vs. XL: 6.4 )
XL' s 10-Year Revenue Growth (%) Range
Min: -24.1   Max: 28
Current: 6.4
-24.1
28
EBITDA Growth (%) 55.7
XL's EBITDA Growth (%) is ranked higher than
58% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -7.75 vs. XL: 55.7 )
XL' s 10-Year EBITDA Growth (%) Range
Min: -58.1   Max: 55.7
Current: 55.7
-58.1
55.7
EPS Growth (%) 36.2
XL's EPS Growth (%) is ranked lower than
53% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. XL: 36.2 )
XL' s 10-Year EPS Growth (%) Range
Min: -49.8   Max: 37.4
Current: 36.2
-49.8
37.4
» XL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

XL Guru Trades in Q2 2012

Steven Cohen 333,317 sh (New)
Jeremy Grantham 63,200 sh (New)
Ray Dalio 238,132 sh (New)
Brian Rogers 3,000,000 sh (+115.34%)
Donald Smith 2,929,891 sh (+15.91%)
James Barrow 23,853,544 sh (-0.55%)
HOTCHKIS & WILEY 7,034,487 sh (-16.98%)
Leon Cooperman 4,047,337 sh (-20.8%)
Diamond Hill Capital 402,266 sh (-27.02%)
Jim Simons 255,100 sh (-31.09%)
John Paulson 5,156,400 sh (-54.33%)
Louis Moore Bacon 10,000 sh (-60%)
Richard Snow 36,300 sh (-62.65%)
» More
Q3 2012

XL Guru Trades in Q3 2012

RS Investment Management 1,205,867 sh (New)
Steven Cohen 1,086,865 sh (+226.08%)
Diamond Hill Capital 414,725 sh (+3.1%)
James Barrow 24,002,014 sh (+0.62%)
Jeremy Grantham 63,200 sh (unchged)
Brian Rogers 3,000,000 sh (unchged)
Ray Dalio Sold Out
Jim Simons Sold Out
Louis Moore Bacon Sold Out
Leon Cooperman 4,042,737 sh (-0.11%)
Donald Smith 2,923,409 sh (-0.22%)
HOTCHKIS & WILEY 4,739,580 sh (-32.62%)
Richard Snow 16,300 sh (-55.1%)
John Paulson 1,200,000 sh (-76.73%)
» More
Q4 2012

XL Guru Trades in Q4 2012

Richard Snow 21,300 sh (+30.67%)
RS Investment Management 1,442,847 sh (+19.65%)
Donald Smith 3,206,060 sh (+9.67%)
Diamond Hill Capital 450,063 sh (+8.52%)
James Barrow 25,329,570 sh (+5.53%)
John Paulson 1,200,000 sh (unchged)
Brian Rogers 3,000,000 sh (unchged)
Jeremy Grantham 74,300 sh (unchged)
Leon Cooperman 4,033,337 sh (-0.23%)
HOTCHKIS & WILEY 3,041,425 sh (-35.83%)
Steven Cohen 346,558 sh (-68.11%)
» More
Q1 2013

XL Guru Trades in Q1 2013

Jim Simons 2,174,200 sh (New)
Pioneer Investments 6,840 sh (New)
Steven Cohen 1,013,680 sh (+192.5%)
Donald Smith 3,878,481 sh (+20.97%)
Jeremy Grantham 77,500 sh (+4.31%)
James Barrow 25,875,163 sh (+2.15%)
Richard Snow 21,705 sh (+1.9%)
RS Investment Management 1,469,311 sh (+1.83%)
Leon Cooperman 4,033,337 sh (unchged)
John Paulson Sold Out
HOTCHKIS & WILEY Sold Out
Brian Rogers Sold Out
Diamond Hill Capital 390,786 sh (-13.17%)
» More
» Details

Insider Trades

Latest Guru Trades with XL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2013-03-31 Add 20.97%0.45%$25.06 - $30.4 $ 32.2714%3878481
John Paulson 2013-03-31 Sold Out 0.18%$25.06 - $30.4 $ 32.2714%0
Donald Smith 2012-12-31 Add 9.67%0.19%$23.32 - $25.76 $ 32.2731%3206060
John Paulson 2012-09-30 Reduce -76.73%0.7%$20.29 - $24.68 $ 32.2745%1200000
Ray Dalio 2012-09-30 Sold Out 0.07%$20.29 - $24.68 $ 32.2745%0
John Paulson 2012-06-30 Reduce -54.33%0.87%$19.65 - $22.26 $ 32.2755%5156400
Leon Cooperman 2012-06-30 Reduce -20.8%0.46%$19.65 - $22.26 $ 32.2755%4047337
Donald Smith 2012-06-30 Add 15.91%0.25%$19.65 - $22.26 $ 32.2755%2929891
Ray Dalio 2012-06-30 New Buy0.07%$19.65 - $22.26 $ 32.2755%238132
Donald Smith 2012-03-31 Add 435.36%1.3%$19.06 - $21.88 $ 32.2767%2527822
John Paulson 2012-03-31 Reduce -33.86%0.81%$19.06 - $21.88 $ 32.2767%11291600
Ray Dalio 2012-03-31 Sold Out 0.14%$19.06 - $21.88 $ 32.2767%0
Leon Cooperman 2012-03-31 Add 6.48%0.13%$19.06 - $21.88 $ 32.2767%5110537
John Paulson 2011-12-31 Reduce -27.89%0.6%$18.17 - $22.78 $ 32.2759%17071900
Ray Dalio 2011-12-31 Add 206.62%0.09%$18.17 - $22.78 $ 32.2759%432132
George Soros 2011-12-31 Sold Out 0.02%$18.17 - $22.78 $ 32.2759%0
Donald Smith 2011-09-30 Add 27.01%0.07%$18.36 - $22.51 $ 32.2760%471886
Ray Dalio 2011-09-30 New Buy0.04%$18.36 - $22.51 $ 32.2760%140932
George Soros 2011-09-30 New Buy0.02%$18.36 - $22.51 $ 32.2760%53000
James Barrow 2011-06-30 Add 11.47%0.1%$20.77 - $25.19 $ 32.2740%22340864
George Soros 2011-06-30 Sold Out $20.77 - $25.19 $ 32.2740%0
John Paulson 2011-03-31 Add 242.84%1.49%$21.81 - $24.65 $ 32.2741%29400000
George Soros 2011-03-31 Reduce -80.54%0.12%$21.81 - $24.65 $ 32.2741%95000
John Paulson 2010-12-31 New Buy0.64%$19.55 - $22.22 $ 32.2753%8575425
Donald Smith 2010-12-31 New Buy0.27%$19.55 - $22.22 $ 32.2753%369854
George Soros 2010-12-31 Add 3070.78%0.14%$19.55 - $22.22 $ 32.2753%488300
David Dreman 2010-12-31 Sold Out 0.01%$19.55 - $22.22 $ 32.2753%0
Charles Brandes 2010-09-30 Sold Out 0.24%$15.97 - $21.72 $ 32.2774%0
David Dreman 2010-09-30 New Buy0.01%$15.97 - $21.72 $ 32.2774%14550
George Soros 2010-09-30 Reduce -45.39%$15.97 - $21.72 $ 32.2774%15400
David Dreman 2010-06-30 Sold Out 0.01%$15.97 - $20.16 $ 32.2778%0
George Soros 2010-06-30 New Buy0.01%$15.97 - $20.16 $ 32.2778%28200
George Soros 2010-03-31 Sold Out 0.01%$16.41 - $19.46 $ 32.2778%0
David Dreman 2010-03-31 New Buy0.01%$16.41 - $19.46 $ 32.2778%15180
Premium More recent guru trades are included for Premium Members only!!

Guru Investment Theses on XL Group PLC

Columbia Management Comments on XL Group - Oct 26, 2012

XL Group (XL) provides insurance and reinsurance coverage to industrial, commercial, professional and insurance companies around the world. The stock rallied strongly during the quarter on the back of better-than-expected earnings.

From Columbia Large Cap Fund third quarter commentary.


Check out Columbia Management latest stock trades

Diamond Hill Capital Comments on XL Group Plc - Oct 23, 2012

Shares of property and casualty insurance company XL Group PLC (XL) increased during the quarter as the company reported stronger than anticipated second quarter earnings driven by improved underwriting margins. These margins were garnered through implementation of a disciplined process of re-underwriting business lines identified as underperforming. In addition, the company benefited from improving real prices in its primary insurance business and a strong balance sheet.

From Diamond Hill Capital's Third Quarter Small-Mid Cap Fund Commentary.


Check out Diamond Hill Capital latest stock trades

Top Ranked Articles about XL Group PLC

Gold Guru John Paulson Drops Gold ABX in First Quarter Sells
May 18, 2013
John Paulson - Gold Guru John Paulson Drops Gold ABX In First Quarter Sells
Guru John Paulson, founder of Paulson & Company, knows the highs and the lows of the market. He is famed for generating up to 600% returns in the 2008 market crash, but recently, Paulson has seen his Gold Fund plummet faster than anyone’s worse nightmare. Paulson lost approximately $1 billion of his personal wealth on gold bets in April alone, according to Bloomberg. Reviewing his sell-outs in the last quarter, it looks like Paulson has dropped only one never-a-gain holding in the Barrick Gold Corporation (ABX) in the first quarter of 2013. Read more...
Paulson Says Bet Against Europe to Blame for Down Year, Slashed EU Holdings in Q3
December 6, 2012
John Paulson - Paulson Says Bet Against Europe To Blame For Down Year, Slashed EU Holdings In Q3
Paulson’s pessimistic outlook for the European Union and the euro currency cost him in 2012. The founder of hedge fund Paulson & Co. is attributing this year’s losses, which have placed it among the most underperforming hedge funds, primarily to a wrongway forecast that the situation in Europe would worsen and the euro collapse, and positioning his fund accordingly, according to Bloomberg. Read more...
Columbia Management Comments on XL Group
October 26, 2012
XL Group (XL) provides insurance and reinsurance coverage to industrial, commercial, professional and insurance companies around the world. The stock rallied strongly during the quarter on the back of better-than-expected earnings. Read more...
Diamond Hill Capital Comments on XL Group Plc
October 23, 2012
Shares of property and casualty insurance company XL Group PLC (XL) increased during the quarter as the company reported stronger than anticipated second quarter earnings driven by improved underwriting margins. These margins were garnered through implementation of a disciplined process of re-underwriting business lines identified as underperforming. In addition, the company benefited from improving real prices in its primary insurance business and a strong balance sheet. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 12.00
XL's P/E(ttm) is ranked lower than
84% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. XL: 12.00 )
XL' s 10-Year P/E(ttm) Range
Min: 5.05   Max: 119.91
Current: 12
5.05
119.91
P/B 0.90
XL's P/B is ranked higher than
76% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. XL: 0.90 )
XL' s 10-Year P/B Range
Min: 0.14   Max: 2.48
Current: 0.9
0.14
2.48
P/S 1.34
XL's P/S is ranked lower than
66% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. XL: 1.34 )
XL' s 10-Year P/S Range
Min: 0.08   Max: 4.06
Current: 1.34
0.08
4.06
PFCF 9.40
XL's PFCF is ranked lower than
54% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. XL: 9.40 )
XL' s 10-Year PFCF Range
Min: 1.76   Max: 108.37
Current: 9.4
1.76
108.37
EV-to-EBIT 12.5
XL's EV-to-EBIT is ranked lower than
69% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.15 vs. XL: 12.5 )
XL' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 163.4
Current: 12.5
0.3
163.4
Shiller P/E 127.2
XL's Shiller P/E is ranked higher than
88% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. XL: 127.2 )
XL' s 10-Year Shiller P/E Range
Min: 2.22   Max: 1800
Current: 127.2
2.22
1800

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.46
XL's Dividend Yield is ranked higher than
55% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.08 vs. XL: 1.46 )
XL' s 10-Year Dividend Yield Range
Min: 1.45   Max: 42.54
Current: 1.46
1.45
42.54
Dividend Payout 0.1741
XL's Dividend Payout is ranked higher than
80% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.32 vs. XL: 0.1741 )
XL' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.82
Current: 0.17
0.16
1.82
Dividend growth (3y) 2.4
XL's Dividend growth (3y) is ranked higher than
66% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. XL: 2.4 )
XL' s 10-Year Dividend growth (3y) Range
Min: -28.4   Max: 5.1
Current: 2.4
-28.4
5.1
Yield on cost (5-Year) 0.61
XL's Yield on cost (5-Year) is ranked lower than
66% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.70 vs. XL: 0.61 )
XL' s 10-Year Yield on cost (5-Year) Range
Min: 0.59   Max: 17.16
Current: 0.61
0.59
17.16
Share Buyback Rate 2.3
XL's Share Buyback Rate is ranked lower than
66% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. XL: 2.3 )
XL' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -17.4
Current: 2.3

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 5.2
XL's Price/Net Current Asset Value is ranked higher than
66% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.05 vs. XL: 5.2 )
XL' s 10-Year Price/Net Current Asset Value Range
Min: 0.3   Max: 5.8
Current: 5.2
0.3
5.8
Price/Tangible Book 0.9
XL's Price/Tangible Book is ranked lower than
58% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. XL: 0.9 )
XL' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 3
Current: 0.9
0.2
3
Price/DCF (Projected) 0.7
XL's Price/DCF (Projected) is ranked higher than
71% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. XL: 0.7 )
XL' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.5
Current: 0.7
0.2
0.5
Price/Median PS Value 1.2
XL's Price/Median PS Value is ranked higher than
76% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. XL: 1.2 )
XL' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 3.7
Current: 1.2
0.1
3.7
Price/Graham Number 0.8
XL's Price/Graham Number is ranked higher than
62% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.70 vs. XL: 0.8 )
XL' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.6
Current: 0.8
0.6
1.6
Earnings Yield (Greenblatt) 8.00
XL's Earnings Yield (Greenblatt) is ranked lower than
57% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.55 vs. XL: 8.00 )
XL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 369.5
Current: 8
0.6
369.5
Forward Rate of Return (Yacktman) 4.75
XL's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.25 vs. XL: 4.75 )
XL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.7   Max: 483.4
Current: 4.75
5.7
483.4

Business Description

XL Group plc formerly XL Capital Ltd was incorporated with limited liability under the Cayman Islands Companies Act on March 16, 1998, as EXEL Merger Company. The Company through its subsidiaries is a global insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises on a worldwide basis. The Company is organized into three operating segments: Insurance, Reinsurance and Life Operations. The Company's Insurance segment provides commercial property, casualty and specialty insurance products on a global basis. Products generally provide tailored coverages for complex corporate risks and include the following lines of business: property, casualty, professional liability, environmental liability, aviation and satellite, marine and offshore energy, equine, fine art and specie, excess and surplus lines and other insurance coverages including program business. Property and casualty products are typically written as global insurance programs for multinational companies and institutions and include umbrella liability, product recall, U.S. workers' compensation, property catastrophe and main master property and liability coverages. Professional liability insurance includes directors' and officers' liability, errors and omissions liability and employment practices liability coverages. Environmental liability products include pollution and remediation legal liability, general and project-specific pollution and professional liability, commercial general property redevelopment and contractor's pollution liability. Aviation and satellite products include comprehensive airline hull and liability, airport liability, aviation manufacturers' product liability, aviation ground handler liability, aircraft hull and liability, corporate non-owned aircraft liability, space third party liability and satellite risk including damage or malfunction during ascent to orbit and continual operation and aviation war. The Company's Reinsurance segment provides casualty, property risk including energy and engineering, property catastrophe, marine, aviation and other specialty reinsurance on a global basis with business being written on both a proportional and non-proportional basis and in certain limited instances on a direct basis. During 2009, the Company completed a strategic review of its life reinsurance business. The Life Operations segment provides life reinsurance on business written by life insurance companies, principally to help them manage mortality, morbidity, survivorship, investment and lapse risks. Products offered included a broad range of underlying lines of life insurance business, including term assurances, group life, critical illness cover, immediate annuities and disability income. The Company predominantly marketed its long-term products directly to clients, with a smaller element sourced through reinsurance intermediaries. T
Company Website
Industry: Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY
Traded in other countries:XLG.Germany

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