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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 0.80
XL's Cash to Debt is ranked higher than
65% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.30 vs. XL: 0.80 )
XL' s 10-Year Cash to Debt Range
Min: 0.63   Max: No Debt
Current: 0.8

Equity to Asset 0.22
XL's Equity to Asset is ranked higher than
69% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. XL: 0.22 )
XL' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.46
Current: 0.22

0.13
0.46
Interest Coverage 4.13
XL's Interest Coverage is ranked higher than
52% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.94 vs. XL: 4.13 )
XL' s 10-Year Interest Coverage Range
Min: 0.62   Max: 9999.99
Current: 4.13

0.62
9999.99
F-Score: 5
Z-Score: 0.42
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 : 5/10

vs
industry
vs
history
Operating margin (%) 9.82
XL's Operating margin (%) is ranked higher than
70% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. XL: 9.82 )
XL' s 10-Year Operating margin (%) Range
Min: -12.21   Max: 59.46
Current: 9.82

-12.21
59.46
Net-margin (%) 9.00
XL's Net-margin (%) is ranked higher than
74% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. XL: 9.00 )
XL' s 10-Year Net-margin (%) Range
Min: -35.73   Max: 58.41
Current: 9

-35.73
58.41
ROE (%) 6.20
XL's ROE (%) is ranked higher than
59% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. XL: 6.20 )
XL' s 10-Year ROE (%) Range
Min: -41.76   Max: 27.31
Current: 6.2

-41.76
27.31
ROA (%) 1.43
XL's ROA (%) is ranked higher than
61% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. XL: 1.43 )
XL' s 10-Year ROA (%) Range
Min: -5.59   Max: 11.12
Current: 1.43

-5.59
11.12
Revenue Growth (%) 8.70
XL's Revenue Growth (%) is ranked higher than
73% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. XL: 8.70 )
XL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 35.9
Current: 8.7

0
35.9
EBITDA Growth (%) 36.60
XL's EBITDA Growth (%) is ranked higher than
92% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. XL: 36.60 )
XL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 36.6
Current: 36.6

0
36.6
EPS Growth (%) 51.00
XL's EPS Growth (%) is ranked higher than
95% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. XL: 51.00 )
XL' s 10-Year EPS Growth (%) Range
Min: -60.1   Max: 52.4
Current: 51

-60.1
52.4
» XL's 10-Y Financials

Financials


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

» Details

Guru Trades

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)
HOTCHKIS & WILEY Sold Out
Brian Rogers Sold Out
John Paulson Sold Out
Diamond Hill Capital 390,786 sh (-13.17%)
» More
Q2 2013

XL Guru Trades in Q2 2013

Joel Greenblatt 10,634 sh (New)
James Barrow 25,994,339 sh (+0.46%)
Richard Snow 21,705 sh (unchged)
Pioneer Investments Sold Out
Donald Smith 3,864,853 sh (-0.35%)
Jeremy Grantham 75,200 sh (-2.97%)
RS Investment Management 1,406,128 sh (-4.3%)
Leon Cooperman 3,644,037 sh (-9.65%)
Diamond Hill Capital 270,902 sh (-30.68%)
Jim Simons 1,189,300 sh (-45.3%)
Steven Cohen 40,759 sh (-95.98%)
» More
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%)
Richard Snow Sold Out
Jim Simons Sold Out
Louis Moore Bacon 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
» Details

Insider Trades

Latest Guru Trades with XL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2013-12-31 Add 60.78%1.44%$29.65 - $32.16 $ 31.230%6022052
James Barrow 2013-12-31 Reduce -24.93%0.3%$29.65 - $32.16 $ 31.230%18624393
Leon Cooperman 2013-12-31 Reduce -12.06%0.21%$29.65 - $32.16 $ 31.230%3209872
Leon Cooperman 2013-06-30 Reduce -9.65%0.18%$29.32 - $32.71 $ 31.230%3644037
Joel Greenblatt 2013-06-30 New Buy0.01%$29.32 - $32.71 $ 31.230%10634
Donald Smith 2013-03-31 Add 20.97%0.45%$25.06 - $30.4 $ 31.2310%3878481
John Paulson 2013-03-31 Sold Out 0.18%$25.06 - $30.4 $ 31.2310%0
Donald Smith 2012-12-31 Add 9.67%0.19%$23.32 - $25.76 $ 31.2327%3206060
John Paulson 2012-09-30 Reduce -76.73%0.7%$20.29 - $24.68 $ 31.2341%1200000
Ray Dalio 2012-09-30 Sold Out 0.07%$20.29 - $24.68 $ 31.2341%0
John Paulson 2012-06-30 Reduce -54.33%0.87%$19.65 - $22.26 $ 31.2350%5156400
Leon Cooperman 2012-06-30 Reduce -20.8%0.46%$19.65 - $22.26 $ 31.2350%4047337
Donald Smith 2012-06-30 Add 15.91%0.25%$19.65 - $22.26 $ 31.2350%2929891
Ray Dalio 2012-06-30 New Buy0.07%$19.65 - $22.26 $ 31.2350%238132
Donald Smith 2012-03-31 Add 435.36%1.3%$19.06 - $21.88 $ 31.2361%2527822
John Paulson 2012-03-31 Reduce -33.86%0.81%$19.06 - $21.88 $ 31.2361%11291600
Ray Dalio 2012-03-31 Sold Out 0.14%$19.06 - $21.88 $ 31.2361%0
Leon Cooperman 2012-03-31 Add 6.48%0.13%$19.06 - $21.88 $ 31.2361%5110537
John Paulson 2011-12-31 Reduce -27.89%0.6%$18.17 - $22.78 $ 31.2354%17071900
Ray Dalio 2011-12-31 Add 206.62%0.09%$18.17 - $22.78 $ 31.2354%432132
George Soros 2011-12-31 Sold Out 0.02%$18.17 - $22.78 $ 31.2354%0
Donald Smith 2011-09-30 Add 27.01%0.07%$18.36 - $22.51 $ 31.2354%471886
Ray Dalio 2011-09-30 New Buy0.04%$18.36 - $22.51 $ 31.2355%140932
George Soros 2011-09-30 New Buy0.02%$18.36 - $22.51 $ 31.2354%53000
James Barrow 2011-06-30 Add 11.47%0.1%$20.77 - $25.19 $ 31.2335%22340864
George Soros 2011-06-30 Sold Out $20.77 - $25.19 $ 31.2335%0
John Paulson 2011-03-31 Add 242.84%1.49%$21.81 - $24.65 $ 31.2336%29400000
George Soros 2011-03-31 Reduce -80.54%0.12%$21.81 - $24.65 $ 31.2336%95000
Premium More recent guru trades are included for Premium 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

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

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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...

Ratios

vs
industry
vs
history
P/E(ttm) 8.60
XL's P/E(ttm) is ranked higher than
86% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. XL: 8.60 )
XL' s 10-Year P/E(ttm) Range
Min: 5.05   Max: 118.28
Current: 8.6

5.05
118.28
P/B 0.88
XL's P/B is ranked higher than
88% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. XL: 0.88 )
XL' s 10-Year P/B Range
Min: 0.14   Max: 1.54
Current: 0.88

0.14
1.54
P/S 1.21
XL's P/S is ranked higher than
63% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. XL: 1.21 )
XL' s 10-Year P/S Range
Min: 0.08   Max: 1.82
Current: 1.21

0.08
1.82
PFCF 11.74
XL's PFCF is ranked higher than
57% of the 153 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.64 vs. XL: 11.74 )
XL' s 10-Year PFCF Range
Min: 1.66   Max: 114.39
Current: 11.74

1.66
114.39
EV-to-EBIT 9.95
XL's EV-to-EBIT is ranked higher than
62% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. XL: 9.95 )
XL' s 10-Year EV-to-EBIT Range
Min: 0.5   Max: 163.4
Current: 9.95

0.5
163.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
XL's Dividend Yield is ranked lower than
67% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.50 vs. XL: 1.90 )
XL' s 10-Year Dividend Yield Range
Min: 1.45   Max: 42.54
Current: 1.9

1.45
42.54
Dividend Payout 0.13
XL's Dividend Payout is ranked higher than
88% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. XL: 0.13 )
XL' s 10-Year Dividend Payout Range
Min: -3.33   Max: 90
Current: 0.13

-3.33
90
Dividend growth (3y) 3.20
XL's Dividend growth (3y) is ranked higher than
64% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. XL: 3.20 )
XL' s 10-Year Dividend growth (3y) Range
Min: -35.9   Max: 20
Current: 3.2

-35.9
20
Yield on cost (5-Year) 2.79
XL's Yield on cost (5-Year) is ranked lower than
57% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.12 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 3.10
XL's Share Buyback Rate is ranked higher than
86% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. XL: 3.10 )
XL' s 10-Year Share Buyback Rate Range
Min: 3.1   Max: -23.9
Current: 3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
XL's Price/Tangible Book is ranked higher than
91% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. XL: 0.92 )
XL' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 3.35
Current: 0.92

0.23
3.35
Price/DCF (Projected) 0.77
XL's Price/DCF (Projected) is ranked higher than
58% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.52 vs. XL: 0.77 )
XL' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 0.78
Current: 0.77

0.04
0.78
Price/Median PS Value 1.14
XL's Price/Median PS Value is ranked higher than
62% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. XL: 1.14 )
XL' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 19.52
Current: 1.14

0.1
19.52
Price/Graham Number 0.57
XL's Price/Graham Number is ranked higher than
92% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. XL: 0.57 )
XL' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 11.12
Current: 0.57

0.58
11.12
Earnings Yield (Greenblatt) 10.10
XL's Earnings Yield (Greenblatt) is ranked higher than
64% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. XL: 10.10 )
XL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 208.6
Current: 10.1

0.6
208.6
Forward Rate of Return (Yacktman) 2.95
XL's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.66 vs. XL: 2.95 )
XL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.5   Max: 464.9
Current: 2.95

3.5
464.9

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.

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