1Y Target$38.91Near-term target
5Y Target$48.22Compound horizon
10Y Target$61.54Long-dated conviction
FCF—TTM—FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev-1.0%TTM YoYD+Revenue -1.0% — shrinking; needs a catalyst to reverse · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E0.04totalAD/E 0.04 — essentially debt-free, pristine 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/E4.0xAP/E 4.0 — deep value; well below S&P median (~20x)
PEG—proxy—PEG not meaningful — earnings growth negative or data unavailable · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Insurance · market cap $6.9b. Down 23% from 52-week high of $46.82 — deep drawdown territory.
Moat
ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $38.91 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $48.22 at ~6% CAGR — dividend + buyback compounding. 10 yr $61.54 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See
terms and
methodology for full disclosures.