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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 0.90
XL's Cash-to-Debt is ranked lower than
64% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.82 vs. XL: 0.90 )
Ranked among companies with meaningful Cash-to-Debt only.
XL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.63  Med: 1.29 Max: No Debt
Current: 0.9
0.63
No Debt
Equity-to-Asset 0.15
XL's Equity-to-Asset is ranked lower than
83% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. XL: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
XL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.19 Max: 0.46
Current: 0.15
0.13
0.46
Debt-to-Equity 0.33
XL's Debt-to-Equity is ranked lower than
71% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. XL: 0.33 )
Ranked among companies with meaningful Debt-to-Equity only.
XL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04  Med: 0.24 Max: 0.52
Current: 0.33
0.04
0.52
Debt-to-EBITDA -14.92
XL's Debt-to-EBITDA is ranked lower than
99.99% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. XL: -14.92 )
Ranked among companies with meaningful Debt-to-EBITDA only.
XL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -15.54  Med: 1.99 Max: 6.02
Current: -14.92
-15.54
6.02
Beneish M-Score: -2.28
WACC vs ROIC
4.15%
-3.31%
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 : 3/10

vs
industry
vs
history
Net Margin % -4.75
XL's Net Margin % is ranked lower than
91% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.25 vs. XL: -4.75 )
Ranked among companies with meaningful Net Margin % only.
XL' s Net Margin % Range Over the Past 10 Years
Min: -35.73  Med: 3.55 Max: 14.26
Current: -4.75
-35.73
14.26
ROE % -5.42
XL's ROE % is ranked lower than
92% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.75 vs. XL: -5.42 )
Ranked among companies with meaningful ROE % only.
XL' s ROE % Range Over the Past 10 Years
Min: -32.78  Med: 3.28 Max: 11.12
Current: -5.42
-32.78
11.12
ROA % -0.85
XL's ROA % is ranked lower than
90% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.09 vs. XL: -0.85 )
Ranked among companies with meaningful ROA % only.
XL' s ROA % Range Over the Past 10 Years
Min: -4.94  Med: 0.59 Max: 2.33
Current: -0.85
-4.94
2.33
3-Year Revenue Growth Rate 21.20
XL's 3-Year Revenue Growth Rate is ranked higher than
87% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. XL: 21.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
XL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.8  Med: 11.1 Max: 38.2
Current: 21.2
-30.8
38.2
GuruFocus has detected 4 Warning Signs with XL Group Ltd XL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» XL's 30-Y Financials

Financials (Next Earnings Date: 2018-10-24 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

XL Guru Trades in Q3 2017

Ray Dalio 57,682 sh (New)
Caxton Associates 13,100 sh (New)
Barrow, Hanley, Mewhinney & Strauss 17,072,900 sh (+31.37%)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
Diamond Hill Capital 1,426,498 sh (-0.02%)
Richard Pzena 5,135,631 sh (-1.20%)
NWQ Managers 223,068 sh (-2.58%)
Donald Smith 1,074,702 sh (-8.56%)
T Rowe Price Equity Income Fund 1,550,000 sh (-11.32%)
Joel Greenblatt 9,778 sh (-29.09%)
» More
Q4 2017

XL Guru Trades in Q4 2017

Scott Black 68,763 sh (New)
Pioneer Investments 427,001 sh (New)
Ray Dalio 143,524 sh (+148.82%)
T Rowe Price Equity Income Fund 2,580,000 sh (+66.45%)
Barrow, Hanley, Mewhinney & Strauss 18,073,834 sh (+5.86%)
Caxton Associates Sold Out
Joel Greenblatt Sold Out
Richard Pzena 5,112,567 sh (-0.45%)
Diamond Hill Capital 1,419,733 sh (-0.47%)
NWQ Managers 188,982 sh (-15.28%)
Donald Smith 754,390 sh (-29.80%)
» More
Q1 2018

XL Guru Trades in Q1 2018

Mario Gabelli 272,350 sh (New)
Jim Simons 13,900 sh (New)
Jeremy Grantham 264,604 sh (New)
Paul Tudor Jones 405,000 sh (New)
George Soros 707,165 sh (New)
John Paulson 732,000 sh (New)
Scott Black Sold Out
Ray Dalio Sold Out
Donald Smith 554,084 sh (-26.55%)
T Rowe Price Equity Income Fund 1,780,000 sh (-31.01%)
Diamond Hill Capital 850,691 sh (-40.08%)
Barrow, Hanley, Mewhinney & Strauss 10,497,183 sh (-41.92%)
Richard Pzena 2,800,319 sh (-45.23%)
NWQ Managers 94,067 sh (-50.22%)
Pioneer Investments 131,539 sh (-69.19%)
» More
Q2 2018

XL Guru Trades in Q2 2018

Leucadia National 280,659 sh (New)
Joel Greenblatt 7,348 sh (New)
George Soros 1,281,490 sh (+81.22%)
Paul Tudor Jones 549,584 sh (+35.70%)
John Paulson 970,000 sh (+32.51%)
Mario Gabelli 307,710 sh (+12.98%)
T Rowe Price Equity Income Fund Sold Out
Jeremy Grantham Sold Out
NWQ Managers Sold Out
Jim Simons Sold Out
Donald Smith 553,863 sh (-0.04%)
Diamond Hill Capital 840,231 sh (-1.23%)
Pioneer Investments 124,795 sh (-5.13%)
Barrow, Hanley, Mewhinney & Strauss 8,606,293 sh (-18.01%)
Richard Pzena 419,343 sh (-85.03%)
» 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
Barrow, Hanley, Mewhinney & Strauss 2018-06-30 Reduce -18.01%0.17%$54.83 - $56.4 $ 56.972%8,606,293
George Soros 2018-06-30 Add 81.22%0.57%$54.83 - $56.4 $ 56.972%1,281,490
John Paulson 2018-06-30 Add 32.51%0.27%$54.83 - $56.4 $ 56.972%970,000
Donald Smith 2018-06-30 Reduce -0.04%$54.83 - $56.4 $ 56.972%553,863
Richard Pzena 2018-06-30 Reduce -85.03%0.67%$54.83 - $56.4 $ 56.972%419,343
Mario Gabelli 2018-06-30 Add 12.98%0.01%$54.83 - $56.4 $ 56.972%307,710
Leucadia National 2018-06-30 New Buy1.21%$54.83 - $56.4 $ 56.972%280,659
Joel Greenblatt 2018-06-30 New Buy0.01%$54.83 - $56.4 $ 56.972%7,348
NWQ Managers 2018-06-30 Sold Out 0.08%$54.83 - $56.4 $ 56.972%0
T Rowe Price Equity Income Fund 2018-06-30 Sold Out 0.49%$54.83 - $56.4 $ 56.972%0
Barrow, Hanley, Mewhinney & Strauss 2018-03-31 Reduce -41.92%0.4%$34.02 - $55.92 $ 56.9730%10,497,183
Richard Pzena 2018-03-31 Reduce -45.23%0.4%$34.02 - $55.92 $ 56.9730%2,800,319
T Rowe Price Equity Income Fund 2018-03-31 Reduce -31.01%0.13%$34.02 - $55.92 $ 56.9730%1,780,000
John Paulson 2018-03-31 New Buy0.88%$34.02 - $55.92 $ 56.9730%732,000
George Soros 2018-03-31 New Buy0.72%$34.02 - $55.92 $ 56.9730%707,165
Donald Smith 2018-03-31 Reduce -26.55%0.17%$34.02 - $55.92 $ 56.9730%554,084
Mario Gabelli 2018-03-31 New Buy0.1%$34.02 - $55.92 $ 56.9730%272,350
NWQ Managers 2018-03-31 Reduce -50.22%0.05%$34.02 - $55.92 $ 56.9730%94,067
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Add 5.86%0.05%$35.06 - $42.51 $ 56.9747%18,073,834
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Add 5.86%0.05%Premium Member Access $35.16 $ 56.9762%18,073,834
Richard Pzena 2017-12-31 Reduce -0.45%$35.06 - $42.51 $ 56.9747%5,112,567
T Rowe Price Equity Income Fund 2017-12-31 Add 66.45%0.17%$35.06 - $42.51 $ 56.9747%2,580,000
Donald Smith 2017-12-31 Reduce -29.80%0.3%$35.06 - $42.51 $ 56.9747%754,390
NWQ Managers 2017-12-31 Reduce -15.28%0.02%$35.06 - $42.51 $ 56.9747%188,982
Joel Greenblatt 2017-12-31 Sold Out 0.01%$35.06 - $42.51 $ 56.9747%0
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Add 31.37%0.24%$36.48 - $46.66 $ 56.9733%17,072,900
Richard Pzena 2017-09-30 Reduce -1.20%0.01%$36.48 - $46.66 $ 56.9733%5,135,631
T Rowe Price Equity Income Fund 2017-09-30 Reduce -11.32%0.04%$36.48 - $46.66 $ 56.9733%1,550,000
Donald Smith 2017-09-30 Reduce -8.56%0.11%$36.48 - $46.66 $ 56.9733%1,074,702
NWQ Managers 2017-09-30 Reduce -2.58%$36.48 - $46.66 $ 56.9733%223,068
Joel Greenblatt 2017-09-30 Reduce -29.09%$36.48 - $46.66 $ 56.9733%9,778
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:ASX:IAG, ASX:SUN, NYSE:CNA, NYSE:MKL, TSX:FFH, NYSE:L, NAS:CINF, WAR:PZU, TSX:IFC, ASX:QBE, NYSE:AFG, HKSE:06060, NYSE:WRB, LSE:RSA, HKSE:01339, NYSE:Y, LSE:ADM, BSP:SULA11, XPAR:ELE, LSE:HSX » details
Traded in other countries:XLF.Germany,
Headquarter Location:Bermuda
XL Group Ltd provides insurance and reinsurance service. It provides property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises.

With more than $10 billion of equity, XL is a significant player in the global insurance market. XL Insurance offers commercial and specialty insurance for risks, including satellites and horses. XL Re reinsures catastrophe, marine, and other risks. XL Financial guarantees investment contracts, designs structured weather-risk reinsurance products, and provides other specialty risk-management services, but XL is exiting some of these areas following recent stumbles.

Guru Investment Theses on XL Group Ltd

Leith Wheeler Comments on XL Group Ltd. - Mar 09, 2018

XL Group Ltd. (NYSE:XL) (-9.9%) was a detractor during the quarter as a range of events caused significant weakness in the stock. There were six catastrophic events (Hurricanes Harvey, Irma, and Maria, the Mexico City earthquake, and the northern and southern California fires) that will likely lead to record-high industry insured losses in excess of $135 billion. The retail and apparel environment has also been a very difficult part of the market, as bricks and mortar retailers are cutting back on inventories due to competition from eCommerce, declining foot traffic in malls, and consumer discretionary spending contractions.



From Leith Wheeler Investment Funds' 4th quarter 2017 commentary.



Check out Leith Wheeler Canadian Equity latest stock trades

Ratios

vs
industry
vs
history
Forward PE Ratio 17.01
XL's Forward PE Ratio is ranked lower than
51% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.79 vs. XL: 17.01 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
Price-to-Owner-Earnings 3.14
XL's Price-to-Owner-Earnings is ranked higher than
93% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.52 vs. XL: 3.14 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
XL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.92  Med: 4.05 Max: 4.48
Current: 3.14
2.92
4.48
PB Ratio 1.53
XL's PB Ratio is ranked lower than
53% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. XL: 1.53 )
Ranked among companies with meaningful PB Ratio only.
XL' s PB Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.81 Max: 1.53
Current: 1.53
0.14
1.53
PS Ratio 1.30
XL's PS Ratio is ranked lower than
53% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. XL: 1.30 )
Ranked among companies with meaningful PS Ratio only.
XL' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 1.07 Max: 1.63
Current: 1.3
0.08
1.63
EV-to-EBIT -49.89
XL's EV-to-EBIT is ranked lower than
99.99% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.73 vs. XL: -49.89 )
Ranked among companies with meaningful EV-to-EBIT only.
XL' s EV-to-EBIT Range Over the Past 10 Years
Min: -98.7  Med: 8.95 Max: 53.5
Current: -49.89
-98.7
53.5
EV-to-EBITDA -74.27
XL's EV-to-EBITDA is ranked lower than
99.99% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. XL: -74.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
XL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -307  Med: 8.5 Max: 42.3
Current: -74.27
-307
42.3
EV-to-Revenue 1.40
XL's EV-to-Revenue is ranked lower than
60% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. XL: 1.40 )
Ranked among companies with meaningful EV-to-Revenue only.
XL' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.6  Med: 1 Max: 1.8
Current: 1.4
-0.6
1.8
Shiller PE Ratio 3236.49
XL's Shiller PE Ratio is ranked lower than
100% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.40 vs. XL: 3236.49 )
Ranked among companies with meaningful Shiller PE Ratio only.
XL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.68  Med: 32.03 Max: 3238.2
Current: 3236.49
1.68
3238.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.54
XL's Dividend Yield % is ranked lower than
82% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 vs. XL: 1.54 )
Ranked among companies with meaningful Dividend Yield % only.
XL' s Dividend Yield % Range Over the Past 10 Years
Min: 1.45  Med: 2.03 Max: 42.54
Current: 1.54
1.45
42.54
3-Year Dividend Growth Rate 11.20
XL's 3-Year Dividend Growth Rate is ranked higher than
66% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. XL: 11.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
XL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -35.9  Med: 3.2 Max: 22.8
Current: 11.2
-35.9
22.8
Forward Dividend Yield % 1.54
XL's Forward Dividend Yield % is ranked lower than
91% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.17 vs. XL: 1.54 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.01
XL's 5-Year Yield-on-Cost % is ranked lower than
77% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.91 vs. XL: 3.01 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
XL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.82  Med: 3.94 Max: 82.63
Current: 3.01
2.82
82.63
3-Year Average Share Buyback Ratio -0.10
XL's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. XL: -0.10 )
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: -3.2 Max: 6.8
Current: -0.1
-23.6
6.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.98
XL's Price-to-Tangible-Book is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. XL: 1.98 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
XL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.23  Med: 1.49 Max: 3.35
Current: 1.98
0.23
3.35
Price-to-Intrinsic-Value-Projected-FCF 1.01
XL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.84 vs. XL: 1.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
XL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.45 Max: 1.01
Current: 1.01
0.04
1.01
Price-to-Median-PS-Value 1.21
XL's Price-to-Median-PS-Value is ranked lower than
54% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. XL: 1.21 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
XL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.1  Med: 1.17 Max: 19.3
Current: 1.21
0.1
19.3
Price-to-Peter-Lynch-Fair-Value 1.70
XL's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 29 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. XL: 1.70 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
XL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0  Med: 0.71 Max: 3.21
Current: 1.7
0
3.21
Earnings Yield (Greenblatt) % -2.00
XL's Earnings Yield (Greenblatt) % is ranked lower than
89% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.78 vs. XL: -2.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
XL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1220.1  Med: 9 Max: 2205.4
Current: -2
-1220.1
2205.4
Forward Rate of Return (Yacktman) % 15.77
XL's Forward Rate of Return (Yacktman) % is ranked higher than
63% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.52 vs. XL: 15.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
XL' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 4.1  Med: 6.1 Max: 59.4
Current: 15.77
4.1
59.4

More Statistics

Revenue (TTM) (Mil) $11,439.11
EPS (TTM) $ -2.17
Beta0.13
Volatility37.69%
52-Week Range $33.77 - 57.00
Shares Outstanding (Mil)258.79

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 11,858 12,588 13,053
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.91 3.55 3.85
EPS without NRI ($) 3.91 3.55 3.85
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.88 0.92 0.96

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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