(L) Loews - Ratings and Ratios
Insurance, Hotels, Pipelines, Plastics
Dividends
| Dividend Yield | 0.24% |
| Yield on Cost 5y | 0.59% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 88.2% |
| Payout Ratio | 3.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 16.2% |
| Value at Risk 5%th | 27.9% |
| Relative Tail Risk | 4.60% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.95 |
| Alpha | 12.24 |
| CAGR/Max DD | 1.63 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.374 |
| Beta | 0.547 |
| Beta Downside | 0.661 |
| Drawdowns 3y | |
|---|---|
| Max DD | 14.51% |
| Mean DD | 2.75% |
| Median DD | 2.08% |
Description: L Loews October 16, 2025
Loews Corporation (NYSE:L) is a diversified holding company whose core insurance subsidiary offers a broad suite of commercial property-and-casualty products-including management-professional liability, surety bonds, cyber coverage, and loss-sensitive programs-served through independent agents and brokers to firms ranging from architects to health-care providers.
Beyond insurance, Loews operates three distinct non-insurance businesses: a natural-gas transportation and storage platform focused on the Gulf Coast, a 25-hotel chain that benefits from the post-pandemic hospitality rebound, and a plastics segment that manufactures extrusion-blow-molded containers and specialty resin compounds for packaging and industrial use.
Key recent metrics illustrate the company’s financial profile: 2023 total revenue was approximately $8.5 billion, with insurance contributing roughly 70 % of earnings; the insurance combined ratio improved to 94 % (below the industry average of ~96 %); and the plastics segment reported a 5 % year-over-year volume increase driven by higher demand for sustainable packaging. Macro-level drivers include rising interest rates that boost investment income for insurers, volatile natural-gas prices that affect transportation margins, and a tightening labor market that supports hotel RevPAR growth.
For a deeper quantitative view of Loews’ risk-adjusted returns, the ValueRay platform provides a granular breakdown of its segment economics and valuation sensitivities.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (1.45b TTM) > 0 and > 6% of Revenue (6% = 1.08b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 1.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 64.43% (prev 88.12%; Δ -23.69pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 3.79b > Net Income 1.45b (YES >=105%, WARN >=100%) |
| Net Debt (8.88b) to EBITDA (2.36b) ratio: 3.75 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (209.4m) change vs 12m ago -4.81% (target <= -2.0% for YES) |
| Gross Margin 44.07% (prev 57.90%; Δ -13.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.21% (prev 20.28%; Δ 0.93pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.65 (EBITDA TTM 2.36b / Interest Expense TTM 434.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.84
| (A) 0.13 = (Total Current Assets 16.89b - Total Current Liabilities 5.30b) / Total Assets 85.94b |
| (B) 0.21 = Retained Earnings (Balance) 17.69b / Total Assets 85.94b |
| (C) 0.00 = EBIT TTM 284.1m / Avg Total Assets 84.78b |
| (D) 0.25 = Book Value of Equity 16.53b / Total Liabilities 66.72b |
| Total Rating: 1.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.04
| 1. Piotroski 4.50pt |
| 2. FCF Yield 13.35% |
| 3. FCF Margin 18.32% |
| 4. Debt/Equity 0.52 |
| 5. Debt/Ebitda 3.75 |
| 6. ROIC - WACC (= -5.09)% |
| 7. RoE 8.29% |
| 8. Rev. Trend 96.39% |
| 9. EPS Trend 49.88% |
What is the price of L shares?
Over the past week, the price has changed by -1.46%, over one month by +6.99%, over three months by +10.55% and over the past year by +23.72%.
Is L a buy, sell or hold?
What are the forecasts/targets for the L price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 60 | -43.6% |
| Analysts Target Price | 60 | -43.6% |
| ValueRay Target Price | 129.8 | 22.1% |
L Fundamental Data Overview November 29, 2025
P/E Trailing = 15.6899
P/S = 1.2294
P/B = 1.2231
P/EG = 2.69
Beta = 0.623
Revenue TTM = 17.98b USD
EBIT TTM = 284.1m USD
EBITDA TTM = 2.36b USD
Long Term Debt = 8.44b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00b USD (from shortTermDebt, last quarter)
Debt = 9.44b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.88b USD (from netDebt column, last quarter)
Enterprise Value = 24.68b USD (22.46b + Debt 9.44b - CCE 7.22b)
Interest Coverage Ratio = 0.65 (Ebit TTM 284.1m / Interest Expense TTM 434.0m)
FCF Yield = 13.35% (FCF TTM 3.29b / Enterprise Value 24.68b)
FCF Margin = 18.32% (FCF TTM 3.29b / Revenue TTM 17.98b)
Net Margin = 8.07% (Net Income TTM 1.45b / Revenue TTM 17.98b)
Gross Margin = 44.07% ((Revenue TTM 17.98b - Cost of Revenue TTM 10.06b) / Revenue TTM)
Gross Margin QoQ = 45.36% (prev 42.91%)
Tobins Q-Ratio = 0.29 (Enterprise Value 24.68b / Total Assets 85.94b)
Interest Expense / Debt = 1.19% (Interest Expense 112.0m / Debt 9.44b)
Taxrate = 22.21% (153.0m / 689.0m)
NOPAT = 221.0m (EBIT 284.1m * (1 - 22.21%))
Current Ratio = 3.19 (Total Current Assets 16.89b / Total Current Liabilities 5.30b)
Debt / Equity = 0.52 (Debt 9.44b / totalStockholderEquity, last quarter 18.29b)
Debt / EBITDA = 3.75 (Net Debt 8.88b / EBITDA 2.36b)
Debt / FCF = 2.69 (Net Debt 8.88b / FCF TTM 3.29b)
Total Stockholder Equity = 17.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (Net Income 1.45b / Total Assets 85.94b)
RoE = 8.29% (Net Income TTM 1.45b / Total Stockholder Equity 17.52b)
RoCE = 1.09% (EBIT 284.1m / Capital Employed (Equity 17.52b + L.T.Debt 8.44b))
RoIC = 0.83% (NOPAT 221.0m / Invested Capital 26.59b)
WACC = 5.93% (E(22.46b)/V(31.90b) * Re(8.03%) + D(9.44b)/V(31.90b) * Rd(1.19%) * (1-Tc(0.22)))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.51%
[DCF Debug] Terminal Value 79.79% ; FCFE base≈2.73b ; Y1≈3.04b ; Y5≈4.01b
Fair Price DCF = 337.0 (DCF Value 69.65b / Shares Outstanding 206.7m; 5y FCF grow 13.28% → 3.0% )
EPS Correlation: 49.88 | EPS CAGR: 16.69% | SUE: 4.0 | # QB: 1
Revenue Correlation: 96.39 | Revenue CAGR: 7.00% | SUE: 3.34 | # QB: 1
Additional Sources for L Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle