(L) Loews - Ratings and Ratios
Insurance, Hotels, Pipelines, Plastics
L EPS (Earnings per Share)
L Revenue
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.
L Stock Overview
| Market Cap in USD | 20,626m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 1987-07-10 |
L Stock Ratings
| Growth Rating | 93.6% |
| Fundamental | 60.1% |
| Dividend Rating | 28.1% |
| Return 12m vs S&P 500 | 4.15% |
| Analyst Rating | - |
L Dividends
| Dividend Yield 12m | 0.25% |
| Yield on Cost 5y | 0.69% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 90.9% |
| Payout Ratio | 4.0% |
L Growth Ratios
| Growth Correlation 3m | 84.5% |
| Growth Correlation 12m | 91.6% |
| Growth Correlation 5y | 92.7% |
| CAGR 5y | 22.18% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.53 |
| CAGR/Mean DD 3y (Pain Ratio) | 7.98 |
| Sharpe Ratio 12m | 2.20 |
| Alpha | 10.49 |
| Beta | 0.725 |
| Volatility | 19.56% |
| Current Volume | 716.1k |
| Average Volume 20d | 716.1k |
| Stop Loss | 96.5 (-3.1%) |
| Signal | 0.48 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (1.35b TTM) > 0 and > 6% of Revenue (6% = 1.08b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 0.91pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 60.19% (prev 97.31%; Δ -37.12pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 3.62b > Net Income 1.35b (YES >=105%, WARN >=100%) |
| Net Debt (8.50b) to EBITDA (1.98b) ratio: 4.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.00 (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 -5.52% (target <= -2.0% for YES) |
| Gross Margin 44.31% (prev 66.44%; Δ -22.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.72% (prev 20.31%; Δ 1.41pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.20 (EBITDA TTM 1.98b / Interest Expense TTM 436.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.83
| (A) 0.13 = (Total Current Assets 16.26b - Total Current Liabilities 5.43b) / Total Assets 84.67b |
| (B) 0.20 = Retained Earnings (Balance) 17.20b / Total Assets 84.67b |
| (C) 0.01 = EBIT TTM 957.1m / Avg Total Assets 82.86b |
| (D) 0.24 = Book Value of Equity 15.70b / Total Liabilities 66.28b |
| Total Rating: 1.83 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.12
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 12.45% = 5.0 |
| 3. FCF Margin 17.07% = 4.27 |
| 4. Debt/Equity 0.51 = 2.37 |
| 5. Debt/Ebitda 4.30 = -2.50 |
| 6. ROIC - WACC (= -3.54)% = -4.42 |
| 7. RoE 7.81% = 0.65 |
| 8. Rev. Trend 96.51% = 7.24 |
| 9. EPS Trend -39.75% = -1.99 |
What is the price of L shares?
Over the past week, the price has changed by -0.49%, over one month by -0.83%, over three months by +10.03% and over the past year by +26.45%.
Is Loews a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of L is around 110.63 USD . This means that L is currently undervalued and has a potential upside of +11.12% (Margin of Safety).
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 | -39.7% |
| Analysts Target Price | 60 | -39.7% |
| ValueRay Target Price | 121 | 21.5% |
L Fundamental Data Overview October 23, 2025
P/E Trailing = 15.7841
P/S = 1.142
P/B = 1.2041
P/EG = 2.69
Beta = 0.725
Revenue TTM = 17.99b USD
EBIT TTM = 957.1m USD
EBITDA TTM = 1.98b USD
Long Term Debt = 7.94b USD (from longTermDebt, last quarter)
Short Term Debt = 1.00b USD (from shortTermDebt, last quarter)
Debt = 8.95b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.50b USD (from netDebt column, last quarter)
Enterprise Value = 24.67b USD (20.63b + Debt 8.95b - CCE 4.90b)
Interest Coverage Ratio = 2.20 (Ebit TTM 957.1m / Interest Expense TTM 436.0m)
FCF Yield = 12.45% (FCF TTM 3.07b / Enterprise Value 24.67b)
FCF Margin = 17.07% (FCF TTM 3.07b / Revenue TTM 17.99b)
Net Margin = 7.50% (Net Income TTM 1.35b / Revenue TTM 17.99b)
Gross Margin = 44.31% ((Revenue TTM 17.99b - Cost of Revenue TTM 10.02b) / Revenue TTM)
Gross Margin QoQ = 43.93% (prev 44.41%)
Tobins Q-Ratio = 0.29 (Enterprise Value 24.67b / Total Assets 84.67b)
Interest Expense / Debt = 1.20% (Interest Expense 107.0m / Debt 8.95b)
Taxrate = 22.82% (123.0m / 539.0m)
NOPAT = 738.7m (EBIT 957.1m * (1 - 22.82%))
Current Ratio = 3.00 (Total Current Assets 16.26b / Total Current Liabilities 5.43b)
Debt / Equity = 0.51 (Debt 8.95b / totalStockholderEquity, last quarter 17.51b)
Debt / EBITDA = 4.30 (Net Debt 8.50b / EBITDA 1.98b)
Debt / FCF = 2.77 (Net Debt 8.50b / FCF TTM 3.07b)
Total Stockholder Equity = 17.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 1.35b / Total Assets 84.67b)
RoE = 7.81% (Net Income TTM 1.35b / Total Stockholder Equity 17.28b)
RoCE = 3.79% (EBIT 957.1m / Capital Employed (Equity 17.28b + L.T.Debt 7.94b))
RoIC = 2.80% (NOPAT 738.7m / Invested Capital 26.37b)
WACC = 6.34% (E(20.63b)/V(29.57b) * Re(8.69%) + D(8.95b)/V(29.57b) * Rd(1.20%) * (1-Tc(0.23)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.51%
[DCF Debug] Terminal Value 77.59% ; FCFE base≈2.72b ; Y1≈3.04b ; Y5≈4.00b
Fair Price DCF = 296.8 (DCF Value 61.57b / Shares Outstanding 207.4m; 5y FCF grow 13.28% → 3.0% )
EPS Correlation: -39.75 | EPS CAGR: -57.24% | SUE: 0.0 | # QB: 0
Revenue Correlation: 96.51 | Revenue CAGR: 10.50% | SUE: 3.39 | # QB: 1
Additional Sources for L Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle