| Profitability | 46/100 |
| Growth | 53/100 |
| Momentum | 77/100 |
| Quality | 74/100 |
| Earnings Quality | 70/100 |
| Balance Sheet | 64/100 |
| Value | 87/100 |
| Risk (safety) | 100/100 |
| Overall | 47.8/100 |
| Symbol | IS Score |
|---|---|
| RNR | 61 |
| RGA | 60 |
| HG | 72 |
| SPNT | 51 |
| EACQU | 53 |
| UNM | 32 |
| EG | 48 |
These two disagree — business quality 48, price structure 85 out of 100, so the price reads better than the business does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.
| Trigger | Where it stands now | What it would mean |
|---|---|---|
| IS Score reaches 55 and holds two consecutive quarters | now 47.8 | would move us up one band |
| IS Score stops falling - one quarter higher than the prior | last four: 40 → 51 → 54 → 48 | the direction matters more than the level |
| Technical vote share back above 50% | now 100% | price structure no longer broken |
This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.
| Insider | Role | Date | Type | Shares | Value | Post-Txn Owned |
|---|---|---|---|---|---|---|
| Levine Allan | director | 2026-10-01 | A-Award | 85 | $0.03M | 5,472 |
| Howard John M | director | 2026-10-01 | A-Award | 85 | $0.03M | 2,428 |
| Hartzband Meryl D | director | 2026-10-01 | A-Award | 85 | $0.03M | 12,674 |
| Keen Jason | EVP & CEO of GW & S Division | 2026-10-01 | TAX W/H | 456 | $0.17M | 7,714 |
| Beggs Jill | EVP and CEO of Reinsurance | 2026-10-01 | TAX W/H | 496 | $0.18M | 7,817 |
| Page Alan Darryl | director | 2026-10-01 | A-Award | 85 | $0.03M | 2,098 |
| Levine Allan | director | 2026-07-01 | A-Award | 86 | $0.03M | 5,387 |
| Howard John M | director | 2026-07-01 | A-Award | 86 | $0.03M | 2,343 |
| 6-mo decomposition (Form 4) | Txns | Shares | Value | Signal weight |
|---|---|---|---|---|
| S — Open-market sales | 1 | 775 | $0.3M | Counted |
| F — Tax withholding | 15 | 8,617 | $2.9M | None — compensation |
| P — Open-market purchases | 0 | 0 | $0 | Counted — none occurred |
| Filed | Filer | Shares registered | Est. proceeds |
|---|---|---|---|
| 2026-05-07 | Jason Keen | 775 | $0.3M |
| 2025-03-18 | Geraldine M Losquadro | 1,500 | $0.5M |
| 2025-03-14 | Van Beveren Gail | 830 | $0.3M |
| 2024-11-14 | Williamson James Allan | 200 | $0.1M |
| Trailing 12 mo | 1 filings | 775 | $0M |
| Filed | Form | Reporting person | % of class | Shares |
|---|---|---|---|---|
| 2026-04-28 | SCHEDULE 13G | Vanguard Capital Management | 7.55% | 3.1M sh |
| 2026-04-28 | SCHEDULE 13G | Vanguard Portfolio Management | 5.39% | 2.2M sh |
| 2026-03-26 | SCHEDULE 13G/A | The Vanguard Group | — | exit/reporting change |
| 2025-04-23 | SCHEDULE 13G/A | BlackRock, Inc. | 7.60% | 3.3M sh |
| Member | Chamber | Trade | Size band | Traded | Disclosed |
|---|---|---|---|---|---|
| Gilbert Cisneros | House | SELL | $1,001 - $15,000 | 2026-03-13 | 2026-04-08 |
| Gilbert Ray Cisneros | House | SELL | $1,001 - $15,000 | 2026-03-12 | 2026-04-08 |
| Gilbert Cisneros | House | BUY | $1,001 - $15,000 | 2026-01-09 | 2026-02-13 |
| Alan Armstrong | Senate | BUY | $1,001 - $15,000 | 2026-03-27 | 2026-07-20 |
| Manager | Shares | Value |
|---|---|---|
| Perpetual Ltd | 126,218 | $46M |
| Deprince Race & Zollo Inc | 103,703 | $38M |
| Wealth Enhancement Advisory Servic | 62,295 | $22M |
| Equitable Trust Co | 36,080 | $13M |
| Asr Vermogensbeheer N.V. | 32,924 | $12M |
| Counterpoint Mutual Funds Llc | 25,402 | $9M |
| Fund | Weight | Position |
|---|---|---|
| VITSX | 0.0% | $441M |
| VTI | 0.0% | $441M |
| VSMPX | 0.0% | $441M |
| VTSAX | 0.0% | $441M |
| VOO | 0.0% | $342M |
| VFIAX | 0.0% | $342M |
| ATS Venue (4-wk) | Shares | Avg trade |
|---|---|---|
| Ubsa Ubs Ats | 0.5M | 24 sh |
| Sgmt Sigma X2 | 0.3M | 15 sh |
| Ebxl Level Ats | 0.2M | 9 sh |
| Cgxs Onechronos | 0.2M | 28 sh |
| Mlix Instinct X | 0.2M | 23 sh |
| Mstx Ms Trajectory Cross (Ats-1) | 0.2M | 11 sh |
Moat score 50/100 — Weak; primary source Efficient Scale.
| Officer | Title |
|---|---|
| James Allan Williamson | Chief Executive Officer, President & Director |
| Elias Farid Habayeb | Executive Vice President & Group Chief Financial Officer |
| Anthony Vidovich | Executive VP & General Counsel |
| Jill Alexis Beggs | Executive VP & Chief Executive Officer of Reinsurance |
| Period | EPS est. | EPS actual | EPS surprise | Rev est. ($M) | Rev actual ($M) | Rev surprise |
|---|
| YoY growth | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | +18.0% | +5.8% | +20.7% | +18.1% | +1.4% |
| Gross profit | +47.2% | -21.5% | +127.3% | -19.9% | +43.8% |
| Operating income | +163.5% | -61.9% | +266.3% | -30.6% | +30.7% |
| Net income | +168.3% | -56.7% | +321.6% | -45.5% | +15.9% |
| $B · FY ends | FY21 | FY22 | FY23 | FY24 | FY25 | Trend |
|---|---|---|---|---|---|---|
| Revenue | 11.3 | 12.0 | 14.5 | 17.1 | 17.3 | |
| Cost of revenue | 9.6 | 10.6 | 11.4 | 14.6 | 13.8 | |
| Gross profit | 1.7 | 1.4 | 3.1 | 2.5 | 3.6 | |
| R&D expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| SG&A expense | 0.1 | 0.1 | 0.0 | 0.0 | 0.9 | |
| Operating income | 1.5 | 0.6 | 2.2 | 1.5 | 2.0 | |
| EBITDA | 1.6 | 0.7 | 2.3 | 1.6 | 2.1 | |
| D&A | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Pretax income | 1.5 | 0.6 | 2.2 | 1.5 | 1.9 | |
| Income tax | 0.2 | -0.0 | -0.4 | 0.1 | 0.3 | |
| Net income | 1.4 | 0.6 | 2.5 | 1.4 | 1.6 | |
| Diluted EPS ($) | 34.62 | 15.10 | 60.24 | 31.78 | 37.86 | |
| Diluted shares (M) | 39 | 39 | 41 | 43 | 41 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | 1.4 | 1.4 | 1.5 | 1.3 | |
| ST investments | 23.3 | 15.1 | 18.9 | 18.2 | |
| Receivables (net) | 5.9 | 7.9 | 9.7 | 12.2 | |
| Total current assets | 31.0 | 0.0 | 0.0 | 32.4 | |
| PP&E (net) | 0.1 | 0.0 | 0.0 | 0.0 | |
| Goodwill + intangibles | 1.0 | 0.0 | 0.0 | 1.5 | |
| Total assets | 40.0 | 49.4 | 56.3 | 62.5 | |
| Accounts payable | 0.6 | 0.7 | 0.7 | 0.6 | |
| Short-term debt | 2.3 | 2.3 | 2.4 | 0.0 | |
| Deferred revenue | 0.0 | 0.0 | 0.0 | 7.3 | |
| Total current liabilities | 2.9 | 0.0 | 0.0 | 42.5 | |
| Long-term debt | 0.7 | 3.4 | 3.6 | 3.6 | |
| Total liabilities | 31.5 | 36.2 | 42.5 | 47.1 | |
| Shareholders' equity | 8.4 | 13.2 | 13.9 | 15.5 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Net income | 0.6 | 2.5 | 1.4 | 1.6 | |
| D&A | 0.0 | 0.0 | 0.0 | (0.2) | |
| Stock-based compensation | 0.0 | 0.0 | 0.1 | 0.1 | |
| Working capital change | 2.4 | 1.7 | 3.5 | 1.6 | |
| Operating cash flow | 3.7 | 4.6 | 5.0 | 3.4 | |
| Capital expenditures | 0.0 | 0.0 | 0.0 | 0.0 | |
| Investing cash flow | (3.4) | (5.9) | (4.5) | (2.4) | |
| Buybacks | (0.1) | 0.0 | (0.2) | (0.8) | |
| Dividends paid | (0.3) | (0.3) | (0.3) | (0.3) | |
| Debt issuance / (repay) | 0.0 | 0.3 | 0.2 | 0.0 | |
| Financing cash flow | (0.4) | 1.4 | (0.4) | (1.2) | |
| Free cash flow | 3.7 | 4.6 | 5.0 | 3.4 |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| PROFITABILITY | |||||||
| ROE | 13.9% | 6.4% | 23.3% | 10.1% | 10.8% | 12% | |
| ROA | 3.9% | 1.5% | 5.6% | 2.6% | 2.7% | 3.1% | |
| ROIC | -14.7% | -5.6% | 106.9% | -220.4% | -347.1% | 10.9% | |
| Gross margin | 15.3% | 11.3% | 21.3% | 14.5% | 20.5% | 28.8% | |
| Operating margin | 13.6% | 4.9% | 14.9% | 8.8% | 11.3% | 15.4% | |
| Net margin | 12.2% | 5.0% | 17.4% | 8.0% | 9.2% | 11.5% | |
| EBITDA margin | 14.3% | 5.7% | 15.8% | 9.6% | 11.9% | 15.8% | |
| FCF margin | 32.5% | 30.6% | 31.5% | 29.0% | 18.1% | — | |
| VALUATION | |||||||
| P/E | 7.15 | 20.34 | 5.84 | 11.01 | 8.83 | 8.3 | |
| P/B | 0.97 | 1.44 | 1.11 | 1.09 | 0.91 | 1.0 | |
| P/S | 0.84 | 1.01 | 1.02 | 0.89 | 0.81 | 0.89 | |
| P/FCF | 2.57 | 3.29 | 3.23 | 3.05 | 4.48 | 7.2 | |
| EV/EBITDA | -5.96 | -10.31 | 1.68 | 0.37 | -0.90 | 6.6 | |
| EV/Revenue | -0.82 | -0.59 | 0.27 | 0.04 | -0.11 | 1.0 | |
| Earnings yield | 14.0% | 4.9% | 17.1% | 9.1% | 11.3% | 12.20% | |
| FCF yield | 38.9% | 30.4% | 31.0% | 32.8% | 22.3% | 13.86% | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| LEVERAGE & SOLVENCY | |||||||
| Current ratio | — | 10.63 | — | — | 0.76 | 0.40 | |
| Quick ratio | — | 13.39 | — | — | 0.76 | 0.40 | |
| Debt / equity | 0.54 | 0.64 | 0.43 | 0.43 | 0.23 | 0.23 | |
| Debt / assets | 14.2% | 13.6% | 11.6% | 10.5% | 5.7% | 5.8% | |
| Net debt / EBITDA | -12.06 | -27.96 | -4.74 | -8.83 | -7.70 | 0.93 | |
| Interest coverage | 22.89 | 6.88 | 17.07 | 11.02 | 14.88 | — | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| EFFICIENCY | |||||||
| Asset turnover | 0.33 | 0.31 | 0.32 | 0.32 | 0.29 | 0.27 | |
| Receivables turnover | 2.35 | 2.15 | 2.24 | 2.20 | 1.79 | 1.3 | |
| DSO (days) | 155 | 170 | 163 | 166 | 204 | 273 | |
| DPO (days) | 14 | 17 | 20 | 17 | 18 | — | |
| Cash conversion cycle | 141 | 14 | 14 | 149 | 186 | 273 | |
| GROWTH (YoY) | |||||||
| Revenue growth | 22.8% | 2.3% | 19.7% | 18.2% | 1.4% | — | |
| Net income growth | 168.3% | -56.7% | 321.6% | -45.5% | 15.9% | — | |
| EPS growth | 170.5% | -56.5% | 278.9% | -44.6% | 19.5% | — | |
| FCF growth | 33.4% | -3.6% | 23.2% | 8.9% | -36.7% | — | |
| PER SHARE ($) | |||||||
| EPS (diluted, TTM) | 35.20 | 15.31 | 58.00 | 32.15 | 38.42 | 47.49 | |
| Book value / share | 258.69 | 216.44 | 304.19 | 324.96 | 373.33 | 383.03 | |
| Revenue / share | 300.82 | 309.26 | 332.79 | 399.86 | 418.19 | 414.68 | |
| FCF / share | 97.81 | 94.74 | 104.91 | 116.09 | 75.73 | 51.34 | |
| Cash / share | 635.94 | 632.46 | 382.05 | 478.64 | 471.20 | 89.86 | |
| SHAREHOLDER RETURN & SCORES | |||||||
| Buyback yield | 2.3% | 0.5% | 0.0% | 1.3% | 5.7% | 2.78% | |
| Altman Z-Score | 1.09 | 1.85 | 1.09 | 0.99 | 0.74 | 0.5 | |
| Piotroski F-Score | 7 | 6 | 6 | 6 | 7 | 6/9 | |
| Beneish M-Score | -3.00 | -3.09 | -0.35 | -3.81 | -3.21 | -2.43 | |
| Model | Score | Zone | Note |
|---|---|---|---|
| Piotroski F-Score | 6 / 9 | Middling | |
| Altman Z-Score | 0.5 | Distress (<1.81) | Distress |
| Income quality | 1.08 | Cash-backed | OCF ÷ net income |
| Beneish M-Score | -2.43 | Non-manipulator | vs −2.22 threshold |
| DuPont Decomposition (TTM) | Value |
|---|---|
| Tax burden | 0.84 |
| Interest burden | 0.86 |
| Operating margin | 15.8% |
| Asset turnover | 0.27× |
| Financial leverage | 4.03× |
| = ROE | 13% |
| Growth Quality (live) | Value |
|---|---|
| Revenue stability | 0.89 |
| Earnings stability | 0.10 |
| Earnings persistence | 0.50 |
| Revenue CAGR 3y | 8.1% |
| EPS CAGR 3y | 16.8% |
| FCF CAGR 3y | -21.6% |
| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | Piotroski | 1-yr ret |
|---|---|---|---|---|---|---|---|
| RNR | $14.6B | 6.0 | 23% | 27.9% | -17.3% | 6/9 | +39.6% |
| RGA | $17.4B | 11.6 | 12% | 7.0% | +18.6% | 8/9 | +42.5% |
| HG | $3.6B | 6.2 | 22% | 17.0% | +36.9% | 8/9 | +53.8% |
| SPNT | $2.9B | 6.1 | 23% | 9.2% | +22.7% | 6/9 | +41.5% |
| EACQU | $2.2B | 0.0 | 23% | 13.2% | +21.8% | 6/9 | — |
| UNM | $14.6B | 21.5 | 6% | 7.8% | +3.3% | 7/9 | — |
| EQH | $14.5B | -16.3 | -509% | -27.3% | -22.1% | 6/9 | — |
| CRBG | $15.3B | 20.1 | 8% | 0.1% | +229.2% | 8/9 | — |
| Consensus estimates | Revenue mean | High / Low | EPS mean | High / Low | # EPS est. |
|---|---|---|---|---|---|
| FY2026 | $15.52B | $15.72B / $15.30B | $53.82 | $59.45 / $50.12 | 9 |
| FY2027 | $14.24B | $14.70B / $13.64B | $60.11 | $64.54 / $57.74 | 9 |
| FY2028 | $14.28B | $15.13B / $13.30B | $67.64 | $70.32 / $65.58 | 4 |
| Window | Avg Target | vs. Price | # Targets |
|---|---|---|---|
| Last Month | $436.00 | +12.1% | 3 |
| Last Quarter | $416.00 | +6.9% | 6 |
| Last Year | $383.32 | -1.5% | 28 |
| All Time | $390.79 | +0.4% | 43 |
| Moving Average | Value | Distance | % Distance | Signal |
|---|---|---|---|---|
| SMA 20 | $371.32 | +17.78 | +4.79% | Above |
| SMA 50 | $372.27 | +16.83 | +4.52% | Above |
| SMA 200 | $349.94 | +39.16 | +11.19% | Above |
| EMA 9 | $376.53 | +12.57 | +3.34% | Above |
| EMA 21 | $373.58 | +15.52 | +4.15% | Above |
| EMA 50 | $371.53 | +17.57 | +4.73% | Above |
| EMA 200 | $356.19 | +32.91 | +9.24% | Above |
| Level | Value | Level | Value |
|---|---|---|---|
| Pivot / R1 / R2 | $381.71 / $384.94 / $388.52 | S1 / S2 | $378.13 / $374.90 |
| Bollinger (20,2) | $359.93 – $382.72 | Squeeze | Off |
| 52-wk range | $300.52 – $401.07 | Off 52-wk high | -3.0% |
| ATR (14) | $7.37 (1.9%) | Historical vol | 18.0% |
| Computed from live weekly prices | EG | S&P 500 |
|---|---|---|
| Weekly volatility (σ, 1y) | 3.49% | 1.83% |
| Best / worst week (1y) | +6.6% / -11.5% | — |
| Max drawdown (5y, monthly) | -37.2% | — |
| 1-week VaR (95%) | -7.5% | — |
| Beta (5y) | 0.28 | 1.00 |
| Reading | EG | Insurance - Reinsurance n=41 | Financial Services n=24,134 | All US symbols n=70,435 |
|---|---|---|---|---|
| Overall | +2.8 | +10.9 | -16.3 | -20.5 |
| Trend | +39.1 | +38.4 | -12.5 | -21.3 |
| Momentum | +54.4 | +42.8 | -4.4 | -15.8 |
| Volume | -56.2 | +23.5 | +0.0 | -3.8 |
| Pillar (live disclosure scores) | Score |
|---|---|
| Environmental | 71 |
| Social | 56 |
| Governance | 60 |
| Composite ESG | 62 |
| Filed | 8-K contents | Items |
|---|---|---|
| 2026-08-31 | Regulation FD; Exhibits | 7.01,9.01 |
| 2026-07-29 | Earnings Release; Exhibits | 2.02,9.01 |
| 2026-06-03 | Other Events; Exhibits | 8.01,9.01 |
| 2026-05-15 | Officer/Director Change; Shareholder Vote | 5.02,5.07 |
| 2026-04-29 | Earnings Release; Exhibits | 2.02,9.01 |
| 2026-04-13 | Regulation FD | 7.01 |
| 2026-03-23 | Material Agreement; Regulation FD; Exhibits | 1.01,7.01,9.01 |
| 2026-03-16 | Departure/Election of Directors; Appointment of Officers | 5.02 |
Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.
| Data domain | Source | Coverage for this report |
|---|---|---|
| Price & volume | market_db.historical_prices | 52 rows |
| Fundamentals | income_statements_annual | 6 rows · 2020 to 2025 |
| Reported vs consensus | fact/earnings_calendar | 18 rows · 2021-09-30 to 2026-07-29 |
| Analyst estimates | dim/forward_estimates | 3 rows · 2026-12-31 to 2028-12-31 |
| Institutional ownership (13F) | holdings_db.institutional_ownership_summary | 45 rows · 2014 to 2025 |
| Insider transactions (Form 4) | edgar/form4 | 12 rows · 2026-05-07 to 2026-10-01 |
| Proposed sales (Form 144) | edgar/form144 | 1 record |
| Beneficial ownership (13D/G) | edgar/13dg | 4 rows · 2025-04-23 to 2026-04-28 |
| Short-sale volume (FINRA) | edgar/short_volume_daily | 60 rows · 2026-07-23 to 2026-10-15 |
| Dark pool (ATS, tier 1) | edgar/darkpool_weekly | 12 rows · 2026-06-15 to 2026-08-31 |
| ETF & fund holding | etf_holdings_changelog (30d) | 1 record |
| Peer set | stock_peers_dynamic | 8 rows |
| Industry medians | industry_medians | 1 record |
| Congressional trades | congress_db (House + Senate) | 1 record |
| ESG | fact/esg_disclosures | 1 record |
Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.
Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.