1Y Target$354.12Near-term target
5Y Target$438.79Compound horizon
10Y Target$560.08Long-dated conviction
FCF—TTM—FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+8.2%TTM YoYBRevenue +8.2% — at or above S&P median · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E0.23totalA-D/E 0.23 — conservative leverage, strong balance sheet · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E11.3xA-P/E 11.3 — cheap relative to market and most sectors
PEG1.37proxyBPEG 1.37 — acceptable premium for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Insurance · market cap $127.2b. 5% off the 52-week high of $345.67.
Moat
Net margin 19% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 16% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. $127.2b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Horizon
1-3 yr $354.12 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $438.79 at ~6% CAGR — dividend + buyback compounding. 10 yr $560.08 if the moat survives secular pressure.
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