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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 1.25
NYSE:XL's Cash to Debt is ranked lower than
60% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. NYSE:XL: 1.25 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:XL' s Cash to Debt Range Over the Past 10 Years
Min: 0.63  Med: 1.4 Max: No Debt
Current: 1.25
Equity to Asset 0.19
NYSE:XL's Equity to Asset is ranked lower than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. NYSE:XL: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:XL' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.2 Max: 0.46
Current: 0.19
0.13
0.46
Interest Coverage 1.67
NYSE:XL's Interest Coverage is ranked lower than
98% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 46.58 vs. NYSE:XL: 1.67 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:XL' s Interest Coverage Range Over the Past 10 Years
Min: 0.62  Med: 3.67 Max: 7.04
Current: 1.67
0.62
7.04
F-Score: 6
M-Score: -2.32
WACC vs ROIC
8.40%
3.17%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 3.44
NYSE:XL's Operating margin (%) is ranked lower than
80% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. NYSE:XL: 3.44 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:XL' s Operating margin (%) Range Over the Past 10 Years
Min: -12.21  Med: 9.8 Max: 24.9
Current: 3.44
-12.21
24.9
Net-margin (%) 3.13
NYSE:XL's Net-margin (%) is ranked lower than
77% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. NYSE:XL: 3.13 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:XL' s Net-margin (%) Range Over the Past 10 Years
Min: -35.73  Med: 6.01 Max: 17.93
Current: 3.13
-35.73
17.93
ROE (%) 2.71
NYSE:XL's ROE (%) is ranked lower than
82% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.02 vs. NYSE:XL: 2.71 )
Ranked among companies with meaningful ROE (%) only.
NYSE:XL' s ROE (%) Range Over the Past 10 Years
Min: -32.78  Med: 4.25 Max: 18.52
Current: 2.71
-32.78
18.52
ROA (%) 0.53
NYSE:XL's ROA (%) is ranked lower than
83% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NYSE:XL: 0.53 )
Ranked among companies with meaningful ROA (%) only.
NYSE:XL' s ROA (%) Range Over the Past 10 Years
Min: -4.94  Med: 0.9 Max: 2.99
Current: 0.53
-4.94
2.99
Revenue Growth (3Y)(%) 11.10
NYSE:XL's Revenue Growth (3Y)(%) is ranked higher than
75% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. NYSE:XL: 11.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:XL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.8  Med: 10.9 Max: 38.6
Current: 11.1
-30.8
38.6
EBITDA Growth (3Y)(%) 11.00
NYSE:XL's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. NYSE:XL: 11.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:XL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -55.9  Med: 1.8 Max: 38.7
Current: 11
-55.9
38.7
EPS Growth (3Y)(%) 25.50
NYSE:XL's EPS Growth (3Y)(%) is ranked higher than
72% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. NYSE:XL: 25.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:XL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -60.1  Med: -7.3 Max: 52.5
Current: 25.5
-60.1
52.5
» NYSE:XL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-26)


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

» Details

Guru Trades

Q3 2015

XL Guru Trades in Q3 2015

Jim Simons 364,900 sh (New)
George Soros 5,600 sh (New)
Ray Dalio 14,440 sh (New)
Paul Tudor Jones 40,324 sh (+256.85%)
Steven Cohen 392,600 sh (+80.42%)
Jeremy Grantham 257,952 sh (+59.47%)
RS Investment Management 2,463,172 sh (+38.03%)
Pioneer Investments 2,183,801 sh (+15.92%)
Diamond Hill Capital 498,897 sh (+9.56%)
David Dreman 341 sh (unchged)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Richard Pzena 6,055,984 sh (-0.76%)
Donald Smith 4,703,892 sh (-11.26%)
Louis Moore Bacon 225,000 sh (-67.86%)
» More
Q4 2015

XL Guru Trades in Q4 2015

T Rowe Price Equity Income Fund 1,762,300 sh (New)
RS Investment Management 2,899,440 sh (+17.71%)
Diamond Hill Capital 553,771 sh (+11.00%)
David Dreman 341 sh (unchged)
Louis Moore Bacon Sold Out
Paul Tudor Jones Sold Out
Ray Dalio Sold Out
George Soros Sold Out
Donald Smith 4,672,960 sh (-0.66%)
Pioneer Investments 2,105,070 sh (-3.61%)
Richard Pzena 5,695,677 sh (-5.95%)
Jeremy Grantham 234,853 sh (-8.95%)
Steven Cohen 198,100 sh (-49.54%)
Jim Simons 124,000 sh (-66.02%)
» More
Q1 2016

XL Guru Trades in Q1 2016

Ray Dalio 21,540 sh (New)
Jim Simons 975,600 sh (+686.77%)
Steven Cohen 311,500 sh (+57.24%)
Pioneer Investments 2,925,436 sh (+38.97%)
Diamond Hill Capital 656,706 sh (+18.59%)
David Dreman 341 sh (unchged)
T Rowe Price Equity Income Fund 1,731,900 sh (-1.73%)
Richard Pzena 5,122,904 sh (-10.06%)
Donald Smith 1,663,388 sh (-64.40%)
RS Investment Management 952,570 sh (-67.15%)
Jeremy Grantham 14,203 sh (-93.95%)
» More
Q2 2016

XL Guru Trades in Q2 2016

Paul Tudor Jones 35,559 sh (New)
Barrow, Hanley, Mewhinney & Strauss 3,654,816 sh (New)
David Dreman 5,466 sh (+1502.93%)
RS Investment Management 1,365,866 sh (+43.39%)
Diamond Hill Capital 739,387 sh (+12.59%)
T Rowe Price Equity Income Fund 1,775,000 sh (+2.49%)
Donald Smith 1,678,330 sh (+0.90%)
Richard Pzena 5,161,867 sh (+0.76%)
Pioneer Investments 2,942,389 sh (+0.58%)
Steven Cohen Sold Out
Ray Dalio Sold Out
Jeremy Grantham Sold Out
Jim Simons 75,800 sh (-92.23%)
» More
» Details

Insider Trades

Latest Guru Trades with XL

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

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:OTCPK:IFCZF, NYSE:CNA, OTCPK:QBIEY, OTCPK:IAUGF, NYSE:Y, OTCPK:AGESY, OTCPK:AMIGY, OTCPK:RSNAY, NYSE:WRB, NAS:CINF, NYSE:AFG, OTCPK:SNMCY, NYSE:MKL, OTCPK:FRFHF, NYSE:L, NYSE:AXS, NAS:AFSI, NYSE:ENH, NYSE:WTM, NYSE:AWH » details
Traded in other countries:XLF.Germany,
XL Group PLC, through its subsidiaries, provides insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises.

XL Group Ltd, formerly XL Group PLC was incorporated on March 16, 1998. The Company through its subsidiaries, provides insurance and reinsurance service. It provides property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises. The Company operates in two business segments: Insurance and Reinsurance. Its insurance operations are organized into four business groups: Global Casualty, Global Energy, Property, & Construction, Global Professional and Global Specialty. The Casualty provides primary and excess casualty, environmental liability, excess and surplus lines, surety, program/facilities and North American construction business. The energy provides serves wholesale markets such as London and Singapore, in addition to retail focused markets in Europe, Asia Pacific, Middle East and North America. Professional provides a broad range of Professional Liability products to professional services firms and public and private companies, globally. Specialty includes the following lines of business: aviation & satellite, marine (including North America inland marine), fine art & specie, equine, livestock & aquaculture, crisis management (product recall, political violence, kidnap & ransom, contingency, sport & leisure, title), political risk, trade credit and life, accident & health. The Reinsurance segment operates in five geographical regions: Bermuda; North America; London; EMEA; and Latin America, Asia Pacific & Credit ("LAC"). London, EMEA and LAC. This segment provides casualty, property risk, property catastrophe, specialty, and other reinsurance lines with business being written on both a proportional and non-proportional treaty basis, and also on a facultative basis. The Company's competitors includes: AIG, ACE, Chubb, FMG, Zurich, Travelers, CNA Financial Corporation from North America, Allianz, AIG, FMG, Zurich, AXA Insurance Ltd. from Europe, and ACE, Allied World Assurance Company, Axis Capital Group from Bermuda.

Ratios

vs
industry
vs
history
P/E(ttm) 31.73
XL's P/E(ttm) is ranked lower than
90% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. XL: 31.73 )
Ranked among companies with meaningful P/E(ttm) only.
XL' s P/E(ttm) Range Over the Past 10 Years
Min: 5.05  Med: 13.51 Max: 141.28
Current: 31.73
5.05
141.28
Forward P/E 10.30
XL's Forward P/E is ranked higher than
80% of the 44 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.02 vs. XL: 10.30 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 31.73
XL's PE(NRI) is ranked lower than
91% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.31 vs. XL: 31.73 )
Ranked among companies with meaningful PE(NRI) only.
XL' s PE(NRI) Range Over the Past 10 Years
Min: 5.05  Med: 13.51 Max: 141.28
Current: 31.73
5.05
141.28
Price/Owner Earnings (ttm) 2.97
XL's Price/Owner Earnings (ttm) is ranked higher than
96% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.88 vs. XL: 2.97 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
XL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.97  Med: 7.02 Max: 28.59
Current: 2.97
2.97
28.59
P/B 0.81
XL's P/B is ranked higher than
80% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. XL: 0.81 )
Ranked among companies with meaningful P/B only.
XL' s P/B Range Over the Past 10 Years
Min: 0.14  Med: 0.82 Max: 1.51
Current: 0.81
0.14
1.51
P/S 0.98
XL's P/S is ranked higher than
55% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. XL: 0.98 )
Ranked among companies with meaningful P/S only.
XL' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 1.07 Max: 1.63
Current: 0.98
0.08
1.63
POCF 13.10
XL's POCF is ranked lower than
71% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.54 vs. XL: 13.10 )
Ranked among companies with meaningful POCF only.
XL' s POCF Range Over the Past 10 Years
Min: 1.66  Med: 10.17 Max: 122.56
Current: 13.1
1.66
122.56
EV-to-EBIT 17.89
XL's EV-to-EBIT is ranked lower than
82% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. XL: 17.89 )
Ranked among companies with meaningful EV-to-EBIT only.
XL' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.9  Med: 8.5 Max: 53.5
Current: 17.89
-27.9
53.5
EV-to-EBITDA 14.69
XL's EV-to-EBITDA is ranked lower than
78% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.22 vs. XL: 14.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
XL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.3  Med: 8.1 Max: 42.3
Current: 14.69
-36.3
42.3
Shiller P/E 36.01
XL's Shiller P/E is ranked lower than
100% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.01 vs. XL: 36.01 )
Ranked among companies with meaningful Shiller P/E only.
XL' s Shiller P/E Range Over the Past 10 Years
Min: 1.69  Med: 25.31 Max: 227.87
Current: 36.01
1.69
227.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.38
XL's Dividend Yield is ranked lower than
64% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. XL: 2.38 )
Ranked among companies with meaningful Dividend Yield only.
XL' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 2.09 Max: 42.54
Current: 2.38
1.45
42.54
Dividend Payout 0.84
XL's Dividend Payout is ranked lower than
82% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.38 vs. XL: 0.84 )
Ranked among companies with meaningful Dividend Payout only.
XL' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.27 Max: 3.06
Current: 0.84
0.05
3.06
Dividend Growth (3y) 17.80
XL's Dividend Growth (3y) is ranked higher than
67% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. XL: 17.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
XL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -35.9  Med: 2.2 Max: 22.8
Current: 17.8
-35.9
22.8
Forward Dividend Yield 2.34
XL's Forward Dividend Yield is ranked lower than
66% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. XL: 2.34 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.40
XL's Yield on cost (5-Year) is ranked lower than
52% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.67 vs. XL: 4.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
XL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.68  Med: 3.87 Max: 78.72
Current: 4.4
2.68
78.72
3-Year Average Share Buyback Ratio 0.40
XL's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. XL: 0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
XL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.6  Med: -7 Max: 6.8
Current: 0.4
-23.6
6.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
XL's Price/Tangible Book is ranked higher than
72% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. XL: 0.98 )
Ranked among companies with meaningful Price/Tangible Book only.
XL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 1.43 Max: 3.35
Current: 0.98
0.23
3.35
Price/Projected FCF 1.03
XL's Price/Projected FCF is ranked lower than
65% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. XL: 1.03 )
Ranked among companies with meaningful Price/Projected FCF only.
XL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.89 Max: 1.22
Current: 1.03
0.18
1.22
Price/Median PS Value 0.90
XL's Price/Median PS Value is ranked higher than
71% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. XL: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
XL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.1  Med: 1.17 Max: 19.3
Current: 0.9
0.1
19.3
Price/Graham Number 1.18
XL's Price/Graham Number is ranked lower than
69% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. XL: 1.18 )
Ranked among companies with meaningful Price/Graham Number only.
XL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 0.92 Max: 3.31
Current: 1.18
0.55
3.31
Earnings Yield (Greenblatt) (%) 5.56
XL's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.00 vs. XL: 5.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
XL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 10.9 Max: 2205.4
Current: 5.56
1.9
2205.4

More Statistics

Revenue (TTM) (Mil) $10,266
EPS (TTM) $ 1.06
Beta0.92
Short Percentage of Float2.32%
52-Week Range $30.33 - 40.48
Shares Outstanding (Mil)274.97

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 10,467 10,784 11,198
EPS ($) 1.85 3.26 4.01
EPS w/o NRI ($) 1.85 3.26 4.01
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.84 0.92 0.96
» More Articles for NYSE:XL

Headlines

Articles On GuruFocus.com
A Simple Value Strategy Aug 30 2016 
Donald Smith Sells Shares in Insurance Companies May 04 2016 
In Your Portfolio, Why Limit Yourself to the U.S.? Mar 24 2016 
Weekly 52-Week Highs Highlight: GILD, XL, STJ, NKE Jun 20 2015 
The Travelers Companies: Should Investors Buy It? Nov 24 2014 
Donald Smith's Largest Second Quarter Holdings Aug 22 2014 
Guru Donald Smith’s Top Five Stocks Jun 17 2014 
XL Group's DDM Valuation: Is It Still a Buy? Feb 21 2014 
A Way to Protect Your Portfolio Is Adding an Insurance Company Feb 20 2014 
Gold Guru John Paulson Drops Gold ABX in First Quarter Sells May 18 2013 

More From Other Websites
XL Catlin Introduces Logistics Services Insurance Policy Sep 28 2016
XL Catlin Helps US Companies Manage Supply Chain Risks With Logistics Service Coverage Solutions Sep 27 2016
XL Catlin Promotes Jeffrey Loechner to Gulf Coast Territorial Manager for US Marine Insurance... Sep 19 2016
XL Group Poised for Growth Despite Cat Loss, Rising Costs Sep 19 2016
XL Group Ltd. breached its 50 day moving average in a Bearish Manner : XL-US : September 19, 2016 Sep 19 2016
[$$] Seeking the Best of Both Growth and Value Stocks Sep 17 2016
XL Catlin Braces in Australia, to Add Brooklyn Underwriting Sep 16 2016
XL Catlin to Acquire Leading Australian Specialty Insurance Underwriting Agency Brooklyn Sep 15 2016
XL Catlin to Acquire Leading Australian Specialty Insurance Underwriting Agency Brooklyn Sep 15 2016
XL Catlin Uncovers Enhanced Professional Liability Insurance Policy Form for Design Professionals Sep 15 2016
XL Catlin to Acquire Leading Australian Specialty Insurance Underwriting Agency Brooklyn Sep 13 2016
XL Catlin Appoints Ronnell Agatep as Global Head of Underwriting, Retail Accident and Health... Sep 09 2016
XL Catlin Enhances Global Property Insurance Capacity Sep 08 2016
XL Catlin Boosts Global Property Insurance Capacity to USD 400 million Sep 07 2016
XL Catlin Boosts Global Property Insurance Capacity to USD 400 million Sep 07 2016
XL Catlin appoints Lauren Tennant Pollock as Vice President, Emerging Markets Sep 06 2016
New report highlights major 'Ocean Risk' for the first time Sep 06 2016
XL Catlin updates Active Assailant solution to include use of road vehicles Aug 31 2016
XL Group Had An Extra-Large Q2 Beat, Macquarie Raises Its Price Target Aug 29 2016
XL Group (XL) Poised for Growth Despite Higher Cat Loss Aug 17 2016

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