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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.04
XL's Cash to Debt is ranked lower than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. XL: 1.04 )
Ranked among companies with meaningful Cash to Debt only.
XL' s 10-Year Cash to Debt Range
Min: 0.63  Med: 1.37 Max: No Debt
Current: 1.04
Equity to Asset 0.20
XL's Equity to Asset is ranked lower than
75% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. XL: 0.20 )
Ranked among companies with meaningful Equity to Asset only.
XL' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.21 Max: 0.46
Current: 0.2
0.13
0.46
Interest Coverage 1.93
XL's Interest Coverage is ranked lower than
96% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. XL: 1.93 )
Ranked among companies with meaningful Interest Coverage only.
XL' s 10-Year Interest Coverage Range
Min: 0.62  Med: 4.27 Max: 9999.99
Current: 1.93
0.62
9999.99
F-Score: 3
WACC vs ROIC
10.06%
8.86%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.61
XL's Operating margin (%) is ranked higher than
64% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. XL: 13.61 )
Ranked among companies with meaningful Operating margin (%) only.
XL' s 10-Year Operating margin (%) Range
Min: -12.21  Med: 10.70 Max: 59.46
Current: 13.61
-12.21
59.46
Net-margin (%) 16.39
XL's Net-margin (%) is ranked higher than
81% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. XL: 16.39 )
Ranked among companies with meaningful Net-margin (%) only.
XL' s 10-Year Net-margin (%) Range
Min: -35.73  Med: 9.53 Max: 58.41
Current: 16.39
-35.73
58.41
ROE (%) 11.10
XL's ROE (%) is ranked higher than
54% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. XL: 11.10 )
Ranked among companies with meaningful ROE (%) only.
XL' s 10-Year ROE (%) Range
Min: -32.78  Med: 6.19 Max: 29.46
Current: 11.1
-32.78
29.46
ROA (%) 2.36
XL's ROA (%) is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. XL: 2.36 )
Ranked among companies with meaningful ROA (%) only.
XL' s 10-Year ROA (%) Range
Min: -4.94  Med: 1.33 Max: 12.18
Current: 2.36
-4.94
12.18
Revenue Growth (3Y)(%) 4.40
XL's Revenue Growth (3Y)(%) is ranked lower than
61% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. XL: 4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
XL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 6.55 Max: 35.9
Current: 4.4
0
35.9
» XL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

XL Guru Trades in Q3 2014

Ray Dalio 13,340 sh (New)
Steven Cohen 282,500 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 (-1.60%)
» More
Q4 2014

XL Guru Trades in Q4 2014

David Dreman 341 sh (New)
Jim Simons 1,449,200 sh (+1318.00%)
Richard Pzena 6,166,478 sh (+121.69%)
Paul Tudor Jones 26,217 sh (+37.66%)
RS Investment Management 1,855,884 sh (+10.05%)
Ray Dalio Sold Out
Leon Cooperman Sold Out
HOTCHKIS & WILEY Sold Out
James Barrow 16,182,963 sh (-0.04%)
Donald Smith 7,070,062 sh (-7.19%)
Diamond Hill Capital 363,263 sh (-10.40%)
Jeremy Grantham 65,500 sh (-15.59%)
Steven Cohen 153,000 sh (-45.84%)
» More
Q1 2015

XL Guru Trades in Q1 2015

Leon Cooperman 301,300 sh (New)
Louis Moore Bacon 400,000 sh (New)
Joel Greenblatt 6,472 sh (New)
Steven Cohen 396,200 sh (+158.95%)
Diamond Hill Capital 410,020 sh (+12.87%)
Jeremy Grantham 71,400 sh (+9.01%)
RS Investment Management 1,882,775 sh (+1.45%)
Richard Pzena 6,218,968 sh (+0.85%)
David Dreman 341 sh (unchged)
Donald Smith 5,454,464 sh (-22.85%)
Jim Simons 1,113,504 sh (-23.16%)
James Barrow 10,546,263 sh (-34.83%)
Paul Tudor Jones 6,300 sh (-75.97%)
» More
Q2 2015

XL Guru Trades in Q2 2015

Pioneer Investments 1,883,823 sh (New)
Jeremy Grantham 161,759 sh (+126.55%)
Paul Tudor Jones 11,300 sh (+79.37%)
Louis Moore Bacon 700,000 sh (+75.00%)
Diamond Hill Capital 455,358 sh (+11.06%)
David Dreman 341 sh (unchged)
Leon Cooperman Sold Out
Jim Simons Sold Out
Joel Greenblatt Sold Out
Richard Pzena 6,102,592 sh (-1.87%)
Donald Smith 5,300,545 sh (-2.82%)
RS Investment Management 1,784,489 sh (-5.22%)
RS Investment Management 1,784,489 sh (-5.22%)
Steven Cohen 217,600 sh (-45.08%)
James Barrow 5,483,363 sh (-48.01%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 9.06
XL's P/E(ttm) is ranked higher than
73% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.20 vs. XL: 9.06 )
Ranked among companies with meaningful P/E(ttm) only.
XL' s 10-Year P/E(ttm) Range
Min: 5.05  Med: 13.38 Max: 118.28
Current: 9.06
5.05
118.28
Forward P/E 10.28
XL's Forward P/E is ranked higher than
72% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. XL: 10.28 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.30
XL's PE(NRI) is ranked higher than
73% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. XL: 9.30 )
Ranked among companies with meaningful PE(NRI) only.
XL' s 10-Year PE(NRI) Range
Min: 5.05  Med: 13.38 Max: 121.1
Current: 9.3
5.05
121.1
P/B 0.95
XL's P/B is ranked higher than
72% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. XL: 0.95 )
Ranked among companies with meaningful P/B only.
XL' s 10-Year P/B Range
Min: 0.14  Med: 0.85 Max: 1.51
Current: 0.95
0.14
1.51
P/S 1.41
XL's P/S is ranked lower than
64% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. XL: 1.41 )
Ranked among companies with meaningful P/S only.
XL' s 10-Year P/S Range
Min: 0.08  Med: 1.06 Max: 1.61
Current: 1.41
0.08
1.61
POCF 15.39
XL's POCF is ranked lower than
77% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. XL: 15.39 )
Ranked among companies with meaningful POCF only.
XL' s 10-Year POCF Range
Min: 1.66  Med: 9.04 Max: 114.39
Current: 15.39
1.66
114.39
EV-to-EBIT 10.47
XL's EV-to-EBIT is ranked lower than
67% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. XL: 10.47 )
Ranked among companies with meaningful EV-to-EBIT only.
XL' s 10-Year EV-to-EBIT Range
Min: -70.9  Med: 9.85 Max: 194.3
Current: 10.47
-70.9
194.3
Shiller P/E 21.99
XL's Shiller P/E is ranked lower than
76% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.20 vs. XL: 21.99 )
Ranked among companies with meaningful Shiller P/E only.
XL' s 10-Year Shiller P/E Range
Min: 2.16  Med: 29.89 Max: 221.78
Current: 21.99
2.16
221.78
Days Sales Outstanding 311.16
XL's Days Sales Outstanding is ranked lower than
96% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. XL: 311.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
XL' s 10-Year Days Sales Outstanding Range
Min: 122.87  Med: 145.53 Max: 361.01
Current: 311.16
122.87
361.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
XL's Dividend Yield is ranked lower than
96% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. XL: 1.75 )
Ranked among companies with meaningful Dividend Yield only.
XL' s 10-Year Dividend Yield Range
Min: 1.45  Med: 2.16 Max: 42.54
Current: 1.75
1.45
42.54
Dividend Payout 0.15
XL's Dividend Payout is ranked higher than
86% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. XL: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
XL' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.26 Max: 90
Current: 0.15
0.05
90
Dividend growth (3y) 13.30
XL's Dividend growth (3y) is ranked higher than
68% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. XL: 13.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
XL' s 10-Year Dividend growth (3y) Range
Min: -35.9  Med: 2.15 Max: 22.8
Current: 13.3
-35.9
22.8
Yield on cost (5-Year) 2.83
XL's Yield on cost (5-Year) is ranked lower than
92% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.32 vs. XL: 2.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
XL' s 10-Year Yield on cost (5-Year) Range
Min: 2.35  Med: 3.49 Max: 68.82
Current: 2.83
2.35
68.82
Share Buyback Rate 4.60
XL's Share Buyback Rate is ranked higher than
90% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. XL: 4.60 )
Ranked among companies with meaningful Share Buyback Rate only.
XL' s 10-Year Share Buyback Rate Range
Min: 4.7  Med: -8.95 Max: -23.9
Current: 4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
XL's Price/Tangible Book is ranked higher than
66% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. XL: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
XL' s 10-Year Price/Tangible Book Range
Min: 0.23  Med: 1.52 Max: 3.35
Current: 1.11
0.23
3.35
Price/Projected FCF 1.10
XL's Price/Projected FCF is ranked lower than
77% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.72 vs. XL: 1.10 )
Ranked among companies with meaningful Price/Projected FCF only.
XL' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 1.00 Max: 1.2
Current: 1.1
0.25
1.2
Price/Median PS Value 1.33
XL's Price/Median PS Value is ranked lower than
83% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. XL: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
XL' s 10-Year Price/Median PS Value Range
Min: 0.1  Med: 1.20 Max: 19.52
Current: 1.33
0.1
19.52
Price/Graham Number 0.66
XL's Price/Graham Number is ranked higher than
73% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. XL: 0.66 )
Ranked among companies with meaningful Price/Graham Number only.
XL' s 10-Year Price/Graham Number Range
Min: 0.56  Med: 0.97 Max: 11.12
Current: 0.66
0.56
11.12
Earnings Yield (Greenblatt) (%) 9.52
XL's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. XL: 9.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
XL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 9.30 Max: 1158.4
Current: 9.52
0.5
1158.4

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 9,312 11,191 11,795
EPS($) 3.16 3.63 4.05
EPS without NRI($) 3.16 3.63 4.05

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: 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. 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, it acts as a foreign reinsurer.
» More Articles for XL

Headlines

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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 

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