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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.36
XL's Cash to Debt is ranked higher than
71% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.21 vs. XL: 1.36 )
XL' s 10-Year Cash to Debt Range
Min: 0.63   Max: No Debt
Current: 1.36

Equity to Asset 0.21
XL's Equity to Asset is ranked higher than
65% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. XL: 0.21 )
XL' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.46
Current: 0.21

0.13
0.46
Interest Coverage 7.04
XL's Interest Coverage is ranked higher than
56% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.94 vs. XL: 7.04 )
XL' s 10-Year Interest Coverage Range
Min: 0.62   Max: 9999.99
Current: 7.04

0.62
9999.99
F-Score: 4
Z-Score: 0.36
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 (%) 5.32
XL's Operating margin (%) is ranked higher than
59% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. XL: 5.32 )
XL' s 10-Year Operating margin (%) Range
Min: -12.21   Max: 59.46
Current: 5.32

-12.21
59.46
Net-margin (%) 5.58
XL's Net-margin (%) is ranked higher than
66% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.48 vs. XL: 5.58 )
XL' s 10-Year Net-margin (%) Range
Min: -35.73   Max: 58.41
Current: 5.58

-35.73
58.41
ROE (%) 4.12
XL's ROE (%) is ranked higher than
56% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.28 vs. XL: 4.12 )
XL' s 10-Year ROE (%) Range
Min: -31.8   Max: 29.46
Current: 4.12

-31.8
29.46
ROA (%) 0.89
XL's ROA (%) is ranked higher than
57% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. XL: 0.89 )
XL' s 10-Year ROA (%) Range
Min: -4.94   Max: 12.18
Current: 0.89

-4.94
12.18
Revenue Growth (%) 10.90
XL's Revenue Growth (%) is ranked higher than
83% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. XL: 10.90 )
XL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 35.9
Current: 10.9

0
35.9
EBITDA Growth (%) 17.20
XL's EBITDA Growth (%) is ranked higher than
83% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. XL: 17.20 )
XL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 36.6
Current: 17.2

0
36.6
EPS Growth (%) 28.00
XL's EPS Growth (%) is ranked higher than
92% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. XL: 28.00 )
XL' s 10-Year EPS Growth (%) Range
Min: -60.1   Max: 52.4
Current: 28

-60.1
52.4
» XL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

XL Guru Trades in Q3 2013

HOTCHKIS & WILEY 595,400 sh (New)
Louis Moore Bacon 100,000 sh (New)
Joel Greenblatt 11,665 sh (+9.7%)
Leon Cooperman 3,650,037 sh (+0.16%)
Richard Snow 21,645 sh (-0.28%)
RS Investment Management 1,396,395 sh (-0.69%)
Jeremy Grantham 74,100 sh (-1.46%)
Donald Smith 3,745,570 sh (-3.09%)
James Barrow 24,810,169 sh (-4.56%)
Diamond Hill Capital 253,916 sh (-6.27%)
Jim Simons 988,200 sh (-16.91%)
Steven Cohen 15,393 sh (-62.23%)
» More
Q4 2013

XL Guru Trades in Q4 2013

Paul Tudor Jones 10,268 sh (New)
Donald Smith 6,022,052 sh (+60.78%)
Joel Greenblatt 13,440 sh (+15.22%)
RS Investment Management 1,540,927 sh (+10.35%)
Diamond Hill Capital 275,281 sh (+8.41%)
Louis Moore Bacon Sold Out
Richard Snow Sold Out
Jim Simons Sold Out
Jeremy Grantham 71,400 sh (-3.64%)
Leon Cooperman 3,209,872 sh (-12.06%)
James Barrow 18,624,393 sh (-24.93%)
HOTCHKIS & WILEY 356,200 sh (-40.17%)
Steven Cohen 9,089 sh (-40.95%)
» More
Q1 2014

XL Guru Trades in Q1 2014

Ray Dalio 15,540 sh (New)
David Dreman 2,133 sh (New)
HOTCHKIS & WILEY 777,100 sh (+118.16%)
Paul Tudor Jones 14,611 sh (+42.3%)
Donald Smith 7,626,150 sh (+26.64%)
Steven Cohen 11,497 sh (+26.49%)
RS Investment Management 1,816,241 sh (+17.87%)
Diamond Hill Capital 294,561 sh (+7%)
Leon Cooperman 3,108,172 sh (-3.17%)
James Barrow 16,232,932 sh (-12.84%)
Jeremy Grantham 59,800 sh (-16.25%)
Joel Greenblatt 7,114 sh (-47.07%)
» More
Q2 2014

XL Guru Trades in Q2 2014

Jim Simons 45,500 sh (New)
Richard Pzena 2,584,925 sh (New)
David Dreman 2,886 sh (+35.3%)
Diamond Hill Capital 339,798 sh (+15.36%)
HOTCHKIS & WILEY 790,600 sh (+1.74%)
James Barrow 16,246,732 sh (+0.09%)
Joel Greenblatt Sold Out
Ray Dalio Sold Out
Donald Smith 7,619,232 sh (-0.09%)
RS Investment Management 1,700,692 sh (-6.36%)
Jeremy Grantham 54,500 sh (-8.86%)
Paul Tudor Jones 12,520 sh (-14.31%)
Leon Cooperman 2,399,992 sh (-22.78%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Pzena 2014-06-30 New Buy0.47%$30.67 - $33.27 $ 32.752%2584925
Leon Cooperman 2014-06-30 Reduce -22.78%0.3%$30.67 - $33.27 $ 32.752%2399992
Joel Greenblatt 2014-06-30 Sold Out $30.67 - $33.27 $ 32.752%0
David Dreman 2014-06-30 Add 35.3%$30.67 - $33.27 $ 32.752%2886
Ray Dalio 2014-06-30 Sold Out $30.67 - $33.27 $ 32.752%0
Donald Smith 2014-03-31 Add 26.64%0.97%$27.96 - $31.89 $ 32.7510%7626150
James Barrow 2014-03-31 Reduce -12.84%0.11%$27.96 - $31.89 $ 32.7510%16232932
HOTCHKIS & WILEY 2014-03-31 Add 118.16%0.05%$27.96 - $31.89 $ 32.7510%777100
David Dreman 2014-03-31 New Buy0.01%$27.96 - $31.89 $ 32.7510%2133
Ray Dalio 2014-03-31 New Buy$27.96 - $31.89 $ 32.7510%15540
Joel Greenblatt 2014-03-31 Reduce -47.07%$27.96 - $31.89 $ 32.7510%7114
Donald Smith 2013-12-31 Add 60.78%1.44%$29.65 - $32.16 $ 32.755%6022052
James Barrow 2013-12-31 Reduce -24.93%0.3%$29.65 - $32.16 $ 32.755%18624393
Leon Cooperman 2013-12-31 Reduce -12.06%0.21%$29.65 - $32.16 $ 32.755%3209872
HOTCHKIS & WILEY 2013-12-31 Reduce -40.17%0.03%$29.65 - $32.16 $ 32.755%356200
Richard Snow 2013-12-31 Sold Out 0.03%$29.65 - $32.16 $ 32.755%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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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

Top Ranked Articles about XL Group PLC

Guru Donald Smith’s Top Five Stocks
Donald Smith (Trades, Portfolio) is the President and Chief Investment Officer at Donald Smith (Trades, Portfolio) & Co., a discipline-based value investing fund. The fund’s website boasts that that they are a “deep-value manager employing a strict bottom-up approach.” Donald Smith (Trades, Portfolio) & Co.’s investment team seeks out-of-favor companies that are valued in the bottom decile of price-to-tangible book value ratios. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 23.20
XL's P/E(ttm) is ranked higher than
54% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. XL: 23.20 )
XL' s 10-Year P/E(ttm) Range
Min: 5.05   Max: 118.28
Current: 23.2

5.05
118.28
P/B 0.89
XL's P/B is ranked higher than
85% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. XL: 0.89 )
XL' s 10-Year P/B Range
Min: 0.14   Max: 1.5
Current: 0.89

0.14
1.5
P/S 1.24
XL's P/S is ranked higher than
64% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. XL: 1.24 )
XL' s 10-Year P/S Range
Min: 0.08   Max: 1.82
Current: 1.24

0.08
1.82
EV-to-EBIT 22.62
XL's EV-to-EBIT is ranked higher than
59% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.65 vs. XL: 22.62 )
XL' s 10-Year EV-to-EBIT Range
Min: -70.9   Max: 193.3
Current: 22.62

-70.9
193.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
XL's Dividend Yield is ranked lower than
67% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. XL: 1.89 )
XL' s 10-Year Dividend Yield Range
Min: 1.45   Max: 42.54
Current: 1.89

1.45
42.54
Dividend Payout 0.41
XL's Dividend Payout is ranked higher than
69% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. XL: 0.41 )
XL' s 10-Year Dividend Payout Range
Min: 0.12   Max: 90
Current: 0.41

0.12
90
Dividend growth (3y) 11.90
XL's Dividend growth (3y) is ranked higher than
88% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. XL: 11.90 )
XL' s 10-Year Dividend growth (3y) Range
Min: -35.9   Max: 20
Current: 11.9

-35.9
20
Yield on cost (5-Year) 2.79
XL's Yield on cost (5-Year) is ranked lower than
56% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 vs. XL: 2.79 )
XL' s 10-Year Yield on cost (5-Year) Range
Min: 2.13   Max: 62.51
Current: 2.79

2.13
62.51
Share Buyback Rate 4.70
XL's Share Buyback Rate is ranked higher than
90% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. XL: 4.70 )
XL' s 10-Year Share Buyback Rate Range
Min: 4.7   Max: -23.9
Current: 4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
XL's Price/Tangible Book is ranked higher than
83% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. XL: 0.93 )
XL' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 3.35
Current: 0.93

0.23
3.35
Price/DCF (Projected) 1.11
XL's Price/DCF (Projected) is ranked higher than
60% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. XL: 1.11 )
XL' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.2
Current: 1.11

0.25
1.2
Price/Median PS Value 1.19
XL's Price/Median PS Value is ranked higher than
54% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. XL: 1.19 )
XL' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 19.7
Current: 1.19

0.1
19.7
Price/Graham Number 0.87
XL's Price/Graham Number is ranked higher than
68% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. XL: 0.87 )
XL' s 10-Year Price/Graham Number Range
Min: 0.57   Max: 11.12
Current: 0.87

0.57
11.12
Earnings Yield (Greenblatt) 4.40
XL's Earnings Yield (Greenblatt) is ranked lower than
59% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. XL: 4.40 )
XL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 1158.4
Current: 4.4

0.5
1158.4

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:XLG.Germany
XL Group PLC formerly XL Capital Ltd was incorporated on March 16, 1998. The Company through its subsidiaries is an insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises. It is organized into three operating segments: Insurance, Reinsurance and Life Operations. The Company's Insurance segment provides commercial property, casualty and specialty insurance products. It is further organized into four business groups including International Property and Casualty, North America Property and Casualty, Global Professional Lines and Global Specialty Lines. The Reinsurance segment provides casualty, property risk including energy and engineering, property catastrophe, marine, aviation and other specialty reinsurance. 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 include an underlying line of life insurance business, including term assurances, group life, critical illness cover, immediate annuities and disability income. Its major geographical markets for property and casualty insurance operations are North America, Europe and Bermuda. The Company's competitors include The ACE Group of Companies; Allianz SE; American International Group, Inc.; Factory Mutual Global for property only; Hartford Financial Services Group, Inc.; Lloyd's of London Syndicates; The Chubb Corporation; The Travelers Companies and Zurich Financial Services Group. The Company's operations are subject to regulation and supervision in each of the jurisdictions where they are domiciled and licensed to conduct business.
» More Articles for NYSE:XL

Headlines

Articles On GuruFocus.com
Donald Smith's Largest Second Quarter Holdings Aug 22 2014 
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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 
Paulson Says Bet Against Europe to Blame for Down Year, Slashed EU Holdings in Q3 Dec 06 2012 
Columbia Management Comments on XL Group Oct 26 2012 
Columbia Large Cap Value Fund Q3 Investment Commentary Oct 25 2012 
Diamond Hill Capital Comments on XL Group Plc Oct 23 2012 
4 Financial Stocks to Acquire, 1 to Watch Mar 08 2012 

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