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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 1.42
XL's Cash to Debt is ranked higher than
73% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. XL: 1.42 )
XL' s 10-Year Cash to Debt Range
Min: 0.63   Max: No Debt
Current: 1.42

Equity to Asset 0.21
XL's Equity to Asset is ranked higher than
64% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 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
57% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 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: 5
Z-Score: 0.37
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 (%) 5.19
XL's Operating margin (%) is ranked higher than
62% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. XL: 5.19 )
XL' s 10-Year Operating margin (%) Range
Min: -12.21   Max: 59.46
Current: 5.19

-12.21
59.46
Net-margin (%) 4.95
XL's Net-margin (%) is ranked higher than
63% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. XL: 4.95 )
XL' s 10-Year Net-margin (%) Range
Min: -35.73   Max: 58.41
Current: 4.95

-35.73
58.41
ROE (%) 3.49
XL's ROE (%) is ranked higher than
58% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. XL: 3.49 )
XL' s 10-Year ROE (%) Range
Min: -31.8   Max: 29.46
Current: 3.49

-31.8
29.46
ROA (%) 0.75
XL's ROA (%) is ranked higher than
59% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. XL: 0.75 )
XL' s 10-Year ROA (%) Range
Min: -4.94   Max: 12.18
Current: 0.75

-4.94
12.18
Revenue Growth (%) 10.90
XL's Revenue Growth (%) is ranked higher than
82% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 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 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 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 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 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

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

Richard Pzena 2,584,925 sh (New)
Jim Simons 45,500 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%)
Ray Dalio Sold Out
Joel Greenblatt 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
Q3 2014

XL Guru Trades in Q3 2014

Steven Cohen 282,500 sh (New)
Ray Dalio 13,340 sh (New)
Jim Simons 102,200 sh (+124.62%)
Paul Tudor Jones 19,045 sh (+52.12%)
Jeremy Grantham 77,600 sh (+42.39%)
Diamond Hill Capital 405,443 sh (+19.32%)
Richard Pzena 2,781,550 sh (+7.61%)
HOTCHKIS & WILEY 794,368 sh (+0.48%)
David Dreman Sold Out
Donald Smith 7,617,657 sh (-0.02%)
James Barrow 16,189,032 sh (-0.36%)
RS Investment Management 1,686,329 sh (-0.84%)
Leon Cooperman 2,361,492 sh (-1.6%)
» 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
David Dreman 2014-09-30 Sold Out 0.01%$31.99 - $34.2 $ 33.16-1%0
Ray Dalio 2014-09-30 New Buy$31.99 - $34.2 $ 33.16-1%13340
Richard Pzena 2014-06-30 New Buy0.47%$30.67 - $33.27 $ 33.164%2584925
Leon Cooperman 2014-06-30 Reduce -22.78%0.3%$30.67 - $33.27 $ 33.164%2399992
David Dreman 2014-06-30 Add 35.3%$30.67 - $33.27 $ 33.164%2886
Ray Dalio 2014-06-30 Sold Out $30.67 - $33.27 $ 33.164%0
Joel Greenblatt 2014-06-30 Sold Out $30.67 - $33.27 $ 33.164%0
Donald Smith 2014-03-31 Add 26.64%0.97%$27.96 - $31.89 $ 33.1611%7626150
James Barrow 2014-03-31 Reduce -12.84%0.11%$27.96 - $31.89 $ 33.1611%16232932
HOTCHKIS & WILEY 2014-03-31 Add 118.16%0.05%$27.96 - $31.89 $ 33.1611%777100
David Dreman 2014-03-31 New Buy0.01%$27.96 - $31.89 $ 33.1611%2133
Joel Greenblatt 2014-03-31 Reduce -47.07%$27.96 - $31.89 $ 33.1611%7114
Ray Dalio 2014-03-31 New Buy$27.96 - $31.89 $ 33.1611%15540
Donald Smith 2013-12-31 Add 60.78%1.44%$29.65 - $32.16 $ 33.166%6022052
James Barrow 2013-12-31 Reduce -24.93%0.3%$29.65 - $32.16 $ 33.166%18624393
Leon Cooperman 2013-12-31 Reduce -12.06%0.21%$29.65 - $32.16 $ 33.166%3209872
Richard Snow 2013-12-31 Sold Out 0.03%$29.65 - $32.16 $ 33.166%0
HOTCHKIS & WILEY 2013-12-31 Reduce -40.17%0.03%$29.65 - $32.16 $ 33.166%356200
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about XL Group PLC

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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) 27.40
XL's P/E(ttm) is ranked higher than
60% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. XL: 27.40 )
XL' s 10-Year P/E(ttm) Range
Min: 5.05   Max: 118.28
Current: 27.4

5.05
118.28
P/B 0.88
XL's P/B is ranked higher than
89% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. XL: 0.88 )
XL' s 10-Year P/B Range
Min: 0.14   Max: 1.61
Current: 0.88

0.14
1.61
P/S 1.30
XL's P/S is ranked higher than
68% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. XL: 1.30 )
XL' s 10-Year P/S Range
Min: 0.08   Max: 1.99
Current: 1.3

0.08
1.99
EV-to-EBIT 24.39
XL's EV-to-EBIT is ranked higher than
60% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. XL: 24.39 )
XL' s 10-Year EV-to-EBIT Range
Min: -70.9   Max: 193.3
Current: 24.39

-70.9
193.3
Shiller P/E 94.42
XL's Shiller P/E is ranked higher than
62% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.87 vs. XL: 94.42 )
XL' s 10-Year Shiller P/E Range
Min: 2.18   Max: 249.5
Current: 94.42

2.18
249.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.93
XL's Dividend Yield is ranked lower than
69% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.55 vs. XL: 1.93 )
XL' s 10-Year Dividend Yield Range
Min: 1.45   Max: 42.54
Current: 1.93

1.45
42.54
Dividend Payout 0.49
XL's Dividend Payout is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. XL: 0.49 )
XL' s 10-Year Dividend Payout Range
Min: 0.12   Max: 90
Current: 0.49

0.12
90
Dividend growth (3y) 11.90
XL's Dividend growth (3y) is ranked higher than
89% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 vs. XL: 11.90 )
XL' s 10-Year Dividend growth (3y) Range
Min: -35.9   Max: 22.8
Current: 11.9

-35.9
22.8
Yield on cost (5-Year) 2.79
XL's Yield on cost (5-Year) is ranked lower than
58% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 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
92% of the 169 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 0.92
XL's Price/Tangible Book is ranked higher than
91% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 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) 1.14
XL's Price/DCF (Projected) is ranked higher than
68% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. XL: 1.14 )
XL' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.2
Current: 1.14

0.25
1.2
Price/Median PS Value 1.23
XL's Price/Median PS Value is ranked higher than
62% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. XL: 1.23 )
XL' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 19.52
Current: 1.23

0.1
19.52
Price/Graham Number 0.91
XL's Price/Graham Number is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. XL: 0.91 )
XL' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 11.01
Current: 0.91

0.56
11.01
Earnings Yield (Greenblatt) 4.10
XL's Earnings Yield (Greenblatt) is ranked higher than
60% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. XL: 4.10 )
XL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 1158.4
Current: 4.1

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 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 operates in three business segments: Insurance, Reinsurance and Life operations. Its insurance operations are organized into four business groups: International Property and Casualty, North America Property and Casualty, Global Professional Lines and Global Specialty Lines. IPC includes the following lines of business: property, primary and excess casualty and environmental liability. Its property business, which also includes construction projects, is short-tail by nature and written on both a primary and excess of loss basis. Property business includes exposures to man-made and natural disasters. NAPC includes property, primary and excess casualty, environmental liability, excess and surplus lines, construction, surety and program business. Global Professional Lines includes directors' and officers' liability, errors and omissions liability, employment practices liability and technology and cyber liability coverages. Global Specialty Lines includes the following lines of business: aviation and satellite, marine and offshore energy, fine art and specie, equine, product recall, political violence, political risk and trade credit and North America inland marine. The Company's competitors includes: North America - AIG, ACE, Chubb, FMG, Zurich, Travelers, CNA Financial Corporation, Europe - Allianz, AIG, FMG, Zurich, AXA Insurance Ltd., and Bermuda - ACE, Allied World Assurance Company, Axis Capital Group. The Company's reinsurance operations are structured geographically into business groups: Bermuda, North America and International. This segment provides casualty, property risk, property catastrophe, marine, aviation, treaty and other specialty reinsurance on a global basis with business being written on both a proportional and non-proportional basis and also on a facultative basis. The Company have both insurance and reinsurance operations in the Latin American region, with local companies writing business in Brazil and Mexico and representative offices in Argentina and Colombia. Other than the Colombia representative office and a services branch in Mexico, all the legal entities in the region are subsidiaries. In regions other than Brazil and Mexico, they act as a foreign reinsurer.
» More Articles for XL

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