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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.06
XL's Cash to Debt is ranked lower than
64% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.09 vs. XL: 1.06 )
Ranked among companies with meaningful Cash to Debt only.
XL' s Cash to Debt Range Over the Past 10 Years
Min: 0.63  Med: 1.42 Max: No Debt
Current: 1.06
Equity to Asset 0.19
XL's Equity to Asset is ranked lower than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. XL: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
XL' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.20 Max: 0.46
Current: 0.19
0.13
0.46
Interest Coverage 4.50
XL's Interest Coverage is ranked lower than
88% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.82 vs. XL: 4.50 )
Ranked among companies with meaningful Interest Coverage only.
XL' s Interest Coverage Range Over the Past 10 Years
Min: 0.62  Med: 3.56 Max: 7.04
Current: 4.5
0.62
7.04
F-Score: 5
M-Score: -1.51
WACC vs ROIC
8.11%
8.93%
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 (%) 8.99
XL's Operating margin (%) is ranked lower than
57% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. XL: 8.99 )
Ranked among companies with meaningful Operating margin (%) only.
XL' s Operating margin (%) Range Over the Past 10 Years
Min: -12.21  Med: 6.86 Max: 24.9
Current: 8.99
-12.21
24.9
Net-margin (%) 11.58
XL's Net-margin (%) is ranked higher than
68% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.85 vs. XL: 11.58 )
Ranked among companies with meaningful Net-margin (%) only.
XL' s Net-margin (%) Range Over the Past 10 Years
Min: -35.73  Med: 2.94 Max: 17.93
Current: 11.58
-35.73
17.93
ROE (%) 10.32
XL's ROE (%) is ranked higher than
59% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.19 vs. XL: 10.32 )
Ranked among companies with meaningful ROE (%) only.
XL' s ROE (%) Range Over the Past 10 Years
Min: -32.78  Med: 2.36 Max: 18.52
Current: 10.32
-32.78
18.52
ROA (%) 2.07
XL's ROA (%) is ranked lower than
57% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.34 vs. XL: 2.07 )
Ranked among companies with meaningful ROA (%) only.
XL' s ROA (%) Range Over the Past 10 Years
Min: -4.94  Med: 0.45 Max: 2.99
Current: 2.07
-4.94
2.99
Revenue Growth (3Y)(%) 4.30
XL's Revenue Growth (3Y)(%) is ranked lower than
61% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.40 vs. XL: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
XL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.8  Med: 9.80 Max: 39
Current: 4.3
-30.8
39
» XL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-04)


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

» Details

Guru Trades

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)
Joel Greenblatt Sold Out
Leon Cooperman Sold Out
Jim Simons 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%)
Steven Cohen 217,600 sh (-45.08%)
Barrow, Hanley, Mewhinney & Strauss 5,483,363 sh (-48.01%)
» More
Q3 2015

XL Guru Trades in Q3 2015

Ray Dalio 14,440 sh (New)
Jim Simons 364,900 sh (New)
George Soros 5,600 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)
Ray Dalio Sold Out
Louis Moore Bacon Sold Out
George Soros Sold Out
Paul Tudor Jones 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
» Details

Insider Trades

Latest Guru Trades with XL

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:CINF, ASX:IAG, TSX:IFC, NYSE:CNA, XBRU:AGS » details
Traded in other countries:XLG.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 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.

Top Ranked Articles about XL Group PLC

Donald Smith Sells Shares in Insurance Companies Guru exits positions in Validus Holdings and Royal Caribbean
Guru Donald Smith (Trades, Portfolio), CIO of Donald Smith (Trades, Portfolio) & Co., added to some stakes and bought a few new ones in the first quarter, but his biggest transactions were divestitures and reductions, many of them in the insurance industry. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 8.53
XL's P/E(ttm) is ranked higher than
81% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.42 vs. XL: 8.53 )
Ranked among companies with meaningful P/E(ttm) only.
XL' s P/E(ttm) Range Over the Past 10 Years
Min: 5.05  Med: 12.15 Max: 118.28
Current: 8.53
5.05
118.28
Forward P/E 10.68
XL's Forward P/E is ranked higher than
83% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. XL: 10.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.53
XL's PE(NRI) is ranked higher than
80% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.42 vs. XL: 8.53 )
Ranked among companies with meaningful PE(NRI) only.
XL' s PE(NRI) Range Over the Past 10 Years
Min: 5.05  Med: 12.13 Max: 121.1
Current: 8.53
5.05
121.1
Price/Owner Earnings (ttm) 3.00
XL's Price/Owner Earnings (ttm) is ranked higher than
95% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.03 vs. XL: 3.00 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
XL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.69  Med: 7.12 Max: 28.59
Current: 3
4.69
28.59
P/B 0.87
XL's P/B is ranked higher than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. XL: 0.87 )
Ranked among companies with meaningful P/B only.
XL' s P/B Range Over the Past 10 Years
Min: 0.14  Med: 0.84 Max: 1.51
Current: 0.87
0.14
1.51
P/S 0.99
XL's P/S is ranked higher than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. XL: 0.99 )
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: 0.99
0.08
1.63
POCF 25.62
XL's POCF is ranked lower than
86% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. XL: 25.62 )
Ranked among companies with meaningful POCF only.
XL' s POCF Range Over the Past 10 Years
Min: 1.66  Med: 9.75 Max: 122.56
Current: 25.62
1.66
122.56
EV-to-EBIT 9.86
XL's EV-to-EBIT is ranked lower than
59% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.35 vs. XL: 9.86 )
Ranked among companies with meaningful EV-to-EBIT only.
XL' s EV-to-EBIT Range Over the Past 10 Years
Min: -27.9  Med: 8.30 Max: 53.5
Current: 9.86
-27.9
53.5
EV-to-EBITDA 9.08
XL's EV-to-EBITDA is ranked lower than
57% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.64 vs. XL: 9.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
XL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.3  Med: 8.00 Max: 42.3
Current: 9.08
-36.3
42.3
Shiller P/E 27.06
XL's Shiller P/E is ranked lower than
96% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.20 vs. XL: 27.06 )
Ranked among companies with meaningful Shiller P/E only.
XL' s Shiller P/E Range Over the Past 10 Years
Min: 1.64  Med: 21.76 Max: 402.22
Current: 27.06
1.64
402.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.23
XL's Dividend Yield is ranked lower than
70% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.23 vs. XL: 2.23 )
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: 2.23
1.45
42.54
Dividend Payout 0.19
XL's Dividend Payout is ranked higher than
75% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. XL: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
XL' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.26 Max: 45
Current: 0.19
0.05
45
Dividend Growth (3y) 13.30
XL's Dividend Growth (3y) is ranked higher than
63% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. XL: 13.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
XL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -35.9  Med: 2.15 Max: 22.8
Current: 13.3
-35.9
22.8
Forward Dividend Yield 2.32
XL's Forward Dividend Yield is ranked lower than
75% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.33 vs. XL: 2.32 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.58
XL's Yield on cost (5-Year) is ranked lower than
72% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.14 vs. XL: 3.58 )
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: 2.35  Med: 3.38 Max: 68.82
Current: 3.58
2.35
68.82
3-Year Average Share Buyback Ratio 6.80
XL's 3-Year Average Share Buyback Ratio is ranked higher than
92% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. XL: 6.80 )
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: -7.80 Max: 6.8
Current: 6.8
-23.6
6.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
XL's Price/Tangible Book is ranked higher than
64% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.37 vs. XL: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
XL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 1.47 Max: 3.35
Current: 1.06
0.23
3.35
Price/Projected FCF 1.09
XL's Price/Projected FCF is ranked lower than
72% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. XL: 1.09 )
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: 1.09
0.18
1.22
Price/Median PS Value 0.93
XL's Price/Median PS Value is ranked higher than
65% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. XL: 0.93 )
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: 0.93
0.1
19.3
Price/Graham Number 0.64
XL's Price/Graham Number is ranked higher than
78% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. XL: 0.64 )
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: 2.73
Current: 0.64
0.55
2.73
Earnings Yield (Greenblatt) (%) 10.19
XL's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. XL: 10.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
XL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 11.10 Max: 2205.4
Current: 10.19
1.9
2205.4

More Statistics

Revenue (TTM) (Mil) $10,304
EPS (TTM) $ 4.03
Beta0.91
Short Percentage of Float2.42%
52-Week Range $5.40 - 40.48
Shares Outstanding (Mil)284.67

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 10,182 10,505 10,893
EPS ($) 2.99 3.22 3.95
EPS without NRI ($) 2.99 3.22 3.95
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for XL

Headlines

Articles On GuruFocus.com
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 
Paulson Says Bet Against Europe to Blame for Down Year, Slashed EU Holdings in Q3 Dec 06 2012 

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