E

EVEREST GROUP, LTD.

EG · CIK 0001095073Insurance lens

18 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)
$17.50B1.2%
FY2025
Net income (FY)
$1.59B15.9%
FY2025
Diluted EPS (FY)
$37.8018.9%
FY2025
The story, charted

The shape of the business

FY2008–FY2025 · hover any year for its receipt
Revenue & net incomeRevenueNet income
$0$10BFY2008 · Revenue $3.53B · Net income −$18.8M · 0001095073-11-000010 · filed 2011-03-01FY08Revenue $3.53BNet income −$18.8M0001095073-11-000010 · filed 2011-03-01FY2009 · Revenue $4.50B · Net income $807.0M · 0001095073-12-000013 · filed 2012-02-29FY09Revenue $4.50BNet income $807.0M0001095073-12-000013 · filed 2012-02-29FY2010 · Revenue $4.71B · Net income $610.8M · 0001095073-13-000015 · filed 2013-03-01FY10Revenue $4.71BNet income $610.8M0001095073-13-000015 · filed 2013-03-01FY2011 · Revenue $4.69B · Net income −$80.5M · 0001095073-14-000008 · filed 2014-03-03FY11Revenue $4.69BNet income −$80.5M0001095073-14-000008 · filed 2014-03-03FY2012 · Revenue $4.92B · Net income $829.0M · 0001095073-15-000007 · filed 2015-03-02FY12Revenue $4.92BNet income $829.0M0001095073-15-000007 · filed 2015-03-02FY2013 · Revenue $5.64B · Net income $1.26B · 0001095073-16-000071 · filed 2016-02-29FY13Revenue $5.64BNet income $1.26B0001095073-16-000071 · filed 2016-02-29FY2014 · Revenue $5.68B · Net income $1.20B · 0001095073-17-000011 · filed 2017-03-01 · 0001095073-16-000071 · filed 2016-02-29FY14Revenue $5.68BNet income $1.20B0001095073-17-000011 · filed 2017-03-01 · 0001095073-16-000071 · filed 2016-02-29FY2015 · Revenue $5.68B · Net income $977.9M · 0001095073-18-000008 · filed 2018-03-01 · 0001095073-16-000071 · filed 2016-02-29FY15Revenue $5.68BNet income $977.9M0001095073-18-000008 · filed 2018-03-01 · 0001095073-16-000071 · filed 2016-02-29FY2016 · Revenue $5.79B · 0001095073-19-000011 · filed 2019-03-01FY16Revenue $5.79B0001095073-19-000011 · filed 2019-03-01FY2017 · Revenue $6.62B · 0001095073-20-000006 · filed 2020-03-02FY17Revenue $6.62B0001095073-20-000006 · filed 2020-03-02FY2018 · Revenue $7.36B · 0001095073-21-000006 · filed 2021-03-01FY18Revenue $7.36B0001095073-21-000006 · filed 2021-03-01FY2019 · Revenue $8.23B · 0001095073-22-000005 · filed 2022-02-28FY19Revenue $8.23B0001095073-22-000005 · filed 2022-02-28FY2020 · Revenue $9.60B · 0001095073-23-000007 · filed 2023-02-24FY20Revenue $9.60B0001095073-23-000007 · filed 2023-02-24FY2021 · Revenue $11.87B · Net income $1.38B · 0001095073-24-000009 · filed 2024-02-28FY21Revenue $11.87BNet income $1.38B0001095073-24-000009 · filed 2024-02-28FY2022 · Revenue $12.06B · Net income $597.0M · 0001095073-25-000015 · filed 2025-02-27FY22Revenue $12.06BNet income $597.0M0001095073-25-000015 · filed 2025-02-27FY2023 · Revenue $14.59B · Net income $2.52B · 0001095073-26-000006 · filed 2026-02-26FY23Revenue $14.59BNet income $2.52B0001095073-26-000006 · filed 2026-02-26FY2024 · Revenue $17.28B · Net income $1.37B · 0001095073-26-000006 · filed 2026-02-26FY24Revenue $17.28BNet income $1.37B0001095073-26-000006 · filed 2026-02-26FY2025 · Revenue $17.50B · Net income $1.59B · 0001095073-26-000006 · filed 2026-02-26FY25Revenue $17.50BNet income $1.59B0001095073-26-000006 · filed 2026-02-26FY25Revenue $17.50BNet income $1.59B0001095073-26-000006 · filed 2026-02-26FY09FY11FY13FY15FY17FY19FY21FY23FY25

revenue 5.0× since FY2008 · net margin -0.5% → 9.1%

MarginsNet marginFCF margin
0%10%20%FY2008 · Net margin -0.5%FY08Net margin -0.5%derived: net income ÷ revenueFY2009 · Net margin 17.9%FY09Net margin 17.9%derived: net income ÷ revenueFY2010 · Net margin 13.0%FY10Net margin 13.0%derived: net income ÷ revenueFY2011 · Net margin -1.7%FY11Net margin -1.7%derived: net income ÷ revenueFY2012 · Net margin 16.8%FY12Net margin 16.8%derived: net income ÷ revenueFY2013 · Net margin 22.3%FY13Net margin 22.3%derived: net income ÷ revenueFY2014 · Net margin 21.1%FY14Net margin 21.1%derived: net income ÷ revenueFY2015 · Net margin 17.2%FY15Net margin 17.2%derived: net income ÷ revenueFY2021 · Net margin 11.6%FY21Net margin 11.6%derived: net income ÷ revenueFY2022 · Net margin 5.0%FY22Net margin 5.0%derived: net income ÷ revenueFY2023 · Net margin 17.3%FY23Net margin 17.3%derived: net income ÷ revenueFY2024 · Net margin 7.9%FY24Net margin 7.9%derived: net income ÷ revenueFY2025 · Net margin 9.1%FY25Net margin 9.1%derived: net income ÷ revenueFY25Net margin 9.1%derived: net income ÷ revenue’08’11’14’22’25

FY2025: net 9.1% of revenue

Cash engineOperating cash flowFree cash flow
$0$2B$4BFY2008 · OCF $663.0M · 0001095073-11-000010 · filed 2011-03-01FY08OCF $663.0M0001095073-11-000010 · filed 2011-03-01FY2009 · OCF $784.7M · 0001095073-12-000013 · filed 2012-02-29FY09OCF $784.7M0001095073-12-000013 · filed 2012-02-29FY2010 · OCF $918.5M · 0001095073-13-000015 · filed 2013-03-01FY10OCF $918.5M0001095073-13-000015 · filed 2013-03-01FY2011 · OCF $659.5M · 0001095073-13-000015 · filed 2013-03-01FY11OCF $659.5M0001095073-13-000015 · filed 2013-03-01FY2012 · OCF $663.9M · 0001095073-13-000015 · filed 2013-03-01FY12OCF $663.9M0001095073-13-000015 · filed 2013-03-01FY2013 · OCF $1.10B · 0001095073-16-000071 · filed 2016-02-29FY13OCF $1.10B0001095073-16-000071 · filed 2016-02-29FY2014 · OCF $1.05B · 0001095073-17-000011 · filed 2017-03-01FY14OCF $1.05B0001095073-17-000011 · filed 2017-03-01FY2015 · OCF $1.11B · 0001095073-18-000008 · filed 2018-03-01FY15OCF $1.11B0001095073-18-000008 · filed 2018-03-01FY2016 · OCF $1.38B · 0001095073-19-000011 · filed 2019-03-01FY16OCF $1.38B0001095073-19-000011 · filed 2019-03-01FY2017 · OCF $1.16B · 0001095073-20-000006 · filed 2020-03-02FY17OCF $1.16B0001095073-20-000006 · filed 2020-03-02FY2018 · OCF $610.1M · 0001095073-21-000006 · filed 2021-03-01FY18OCF $610.1M0001095073-21-000006 · filed 2021-03-01FY2019 · OCF $1.85B · 0001095073-22-000005 · filed 2022-02-28FY19OCF $1.85B0001095073-22-000005 · filed 2022-02-28FY2020 · OCF $2.87B · 0001095073-23-000007 · filed 2023-02-24FY20OCF $2.87B0001095073-23-000007 · filed 2023-02-24FY2021 · OCF $3.83B · 0001095073-24-000009 · filed 2024-02-28FY21OCF $3.83B0001095073-24-000009 · filed 2024-02-28FY2022 · OCF $3.69B · 0001095073-25-000015 · filed 2025-02-27FY22OCF $3.69B0001095073-25-000015 · filed 2025-02-27FY2023 · OCF $4.55B · 0001095073-26-000006 · filed 2026-02-26FY23OCF $4.55B0001095073-26-000006 · filed 2026-02-26FY2024 · OCF $4.96B · 0001095073-26-000006 · filed 2026-02-26FY24OCF $4.96B0001095073-26-000006 · filed 2026-02-26FY2025 · OCF $3.07B · 0001095073-26-000006 · filed 2026-02-26FY25OCF $3.07B0001095073-26-000006 · filed 2026-02-26FY25OCF $3.07B0001095073-26-000006 · filed 2026-02-26’09’13’17’21’25
Returns on capitalReturn on equityReturn on assets
0%10%20%FY2009 · ROE 13.2% · ROA 4.5%FY09ROE 13.2%ROA 4.5%derived: net income ÷ equity · derived: net income ÷ assetsFY2010 · ROE 9.7% · ROA 3.3%FY10ROE 9.7%ROA 3.3%derived: net income ÷ equity · derived: net income ÷ assetsFY2011 · ROE -1.3% · ROA -0.4%FY11ROE -1.3%ROA -0.4%derived: net income ÷ equity · derived: net income ÷ assetsFY2012 · ROE 12.3% · ROA 4.2%FY12ROE 12.3%ROA 4.2%derived: net income ÷ equity · derived: net income ÷ assetsFY2013 · ROE 18.1% · ROA 6.4%FY13ROE 18.1%ROA 6.4%derived: net income ÷ equity · derived: net income ÷ assetsFY2014 · ROE 16.1% · ROA 5.8%FY14ROE 16.1%ROA 5.8%derived: net income ÷ equity · derived: net income ÷ assetsFY2015 · ROE 12.9% · ROA 4.8%FY15ROE 12.9%ROA 4.8%derived: net income ÷ equity · derived: net income ÷ assetsFY2021 · ROE 13.6% · ROA 3.6%FY21ROE 13.6%ROA 3.6%derived: net income ÷ equity · derived: net income ÷ assetsFY2022 · ROE 7.1% · ROA 1.5%FY22ROE 7.1%ROA 1.5%derived: net income ÷ equity · derived: net income ÷ assetsFY2023 · ROE 19.1% · ROA 5.1%FY23ROE 19.1%ROA 5.1%derived: net income ÷ equity · derived: net income ÷ assetsFY2024 · ROE 9.9% · ROA 2.4%FY24ROE 9.9%ROA 2.4%derived: net income ÷ equity · derived: net income ÷ assetsFY2025 · ROE 10.3% · ROA 2.5%FY25ROE 10.3%ROA 2.5%derived: net income ÷ equity · derived: net income ÷ assetsFY25ROE 10.3%ROA 2.5%derived: net income ÷ equity · derived: net income ÷ assets’11’14’22’25

return on equity 13% (FY2009) → 10% (FY2025) · on assets 2.5%

Balance sheetLiabilitiesEquity
$0$20B$40B$60BFY2009 · Liabilities $11.90B · Equity $6.10BFY09Liabilities $11.90BEquity $6.10B0001095073-11-000010 · filed 2011-03-01FY2010 · Liabilities $12.10B · Equity $6.28BFY10Liabilities $12.10BEquity $6.28B0001095073-12-000013 · filed 2012-02-29FY2011 · Liabilities $12.82B · Equity $6.07BFY11Liabilities $12.82BEquity $6.07B0001095073-13-000015 · filed 2013-03-01FY2012 · Liabilities $13.04B · Equity $6.73BFY12Liabilities $13.04BEquity $6.73B0001095073-14-000008 · filed 2014-03-03FY2013 · Liabilities $12.75B · Equity $6.97BFY13Liabilities $12.75BEquity $6.97B0001095073-15-000007 · filed 2015-03-02FY2014 · Liabilities $12.95B · Equity $7.45BFY14Liabilities $12.95BEquity $7.45B0001095073-16-000071 · filed 2016-02-29FY2015 · Liabilities $12.94B · Equity $7.61BFY15Liabilities $12.94BEquity $7.61B0001095073-17-000011 · filed 2017-03-01FY2016 · Liabilities $13.25B · Equity $8.08BFY16Liabilities $13.25BEquity $8.08B0001095073-18-000008 · filed 2018-03-01FY2017 · Liabilities $15.22B · Equity $8.37BFY17Liabilities $15.22BEquity $8.37B0001095073-19-000011 · filed 2019-03-01FY2018 · Liabilities $16.89B · Equity $7.86BFY18Liabilities $16.89BEquity $7.86B0001095073-20-000006 · filed 2020-03-02FY2019 · Liabilities $18.19B · Equity $9.13BFY19Liabilities $18.19BEquity $9.13B0001095073-21-000006 · filed 2021-03-01FY2020 · Liabilities $22.99B · Equity $9.73BFY20Liabilities $22.99BEquity $9.73B0001095073-22-000005 · filed 2022-02-28FY2021 · Liabilities $28.05B · Equity $10.14BFY21Liabilities $28.05BEquity $10.14B0001095073-23-000007 · filed 2023-02-24FY2022 · Liabilities $31.52B · Equity $8.44BFY22Liabilities $31.52BEquity $8.44B0001095073-24-000009 · filed 2024-02-28FY2023 · Liabilities $36.20B · Equity $13.20BFY23Liabilities $36.20BEquity $13.20B0001095073-25-000015 · filed 2025-02-27FY2024 · Liabilities $42.47B · Equity $13.88BFY24Liabilities $42.47BEquity $13.88B0001095073-26-000006 · filed 2026-02-26FY2025 · Liabilities $47.05B · Equity $15.46BFY25Liabilities $47.05BEquity $15.46B0001095073-26-000006 · filed 2026-02-26FY25Liabilities $47.05BEquity $15.46B0001095073-26-000006 · filed 2026-02-26’09’13’17’21’25

FY2025: $62.51B assets · $47.05B liabilities · $15.46B equity

The receipts

Insurance lens

Specialized rows for insurer companies — not in the generic statement table above.

USD millions (ratios as %)FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015FY2014
Premiums earned15,56015,18713,44311,78710,4068,6827,4046,9325,9385,3205,2935,044
Policyholder benefits & claims10,85911,3058,4278,1007,3916,5514,9235,6514,5233,1403,0652,876
Loss ratio69.8%74.4%62.7%68.7%71.0%75.5%66.5%81.5%76.2%59.0%57.9%57.0%

Premiums earned and policyholder benefits & claims are as-reported XBRL components — absent (not zero) for insurance brokers such as Aon and Marsh McLennan, which earn fees and commissions rather than underwriting premiums, so these rows are correctly blank for them. The loss ratio (policyholder benefits ÷ premiums earned) is computed by stonks for full fiscal years only.