{"id":72314,"date":"2023-10-13T15:16:26","date_gmt":"2023-10-13T19:16:26","guid":{"rendered":"https:\/\/ifintechworld.com\/investing\/insurance-stocks-have-been-hammered-6-picks-for-a-rebound\/"},"modified":"2023-10-13T15:16:30","modified_gmt":"2023-10-13T19:16:30","slug":"insurance-stocks-have-been-hammered-6-picks-for-a-rebound","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=72314","title":{"rendered":"Insurance Stocks Have Been Hammered. 6 Picks for a Rebound."},"content":{"rendered":"
\n

With so much uncertainty in the world today, it pays to have a little insurance. And it just so happens that insurance stocks look plenty attractive today.<\/p>\n

At its most basic level, insurance involves shifting risk from one party to another and charging fees for that service. That\u2019s true whether insuring property, interruptions to businesses, the end of life, or niche risks. To complicate matters, there\u2019s reinsurance, essentially insurance for insurance companies, and brokers bridging the gap between insurers and customers. <\/p>\n

\n

The thing is, many insurers don\u2019t make much money from selling insurance. Claims and the expenses of running the business often exceed the revenue from premiums in a typical year. To make up the difference, insurers invest capital in large and diversified portfolios of sovereign and corporate bonds, common and preferred stocks, mortgage loans and securities, real estate debt and equity, and other investments to generate returns.<\/p>\n

That makes insurers\u2019 results sensitive not only to natural disasters and car crashes, but also to financial markets. A particularly bad year of natural or man-made disasters that produces large claims payouts, or a losing year for markets, can reduce capital. That\u2019s usually followed by a so-called hard market of rising premiums as insurers rebuild their surplus.<\/p>\n

The property and casualty insurance industry is several years into a hard market, and reinsurance has just entered one. Last year was tough for stocks and bonds, while the industry\u2019s insured losses exceeded $100 billion globally for only the fifth time in history, according to Deutsche Bank analyst Cave Montazeri. This year is on track to top that figure\u2014we\u2019ve had hurricane damage in Florida, a devastating Turkish earthquake, and Maui wildfires, among other catastrophes. <\/p>\n

Next year should bring more strong price increases, analysts say, advantaging firms with the strongest capital and ability to self-fund growth. Here are six insurance stocks to consider. <\/p>\n

Arch Capital Group<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
Arch Capital Group \/ ACGL<\/b><\/td>\n$83.02<\/td>\n$31.0<\/td>\n2.2<\/td>\n11.6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

Formed in 2001, specialty insurer
\n Arch Capital Group
\n has a reputation for conservative underwriting practices that generate superior returns. It\u2019s helped by the fact that it has grown to be the world\u2019s largest provider of mortgage insurance since acquiring
\n American International Group\u2019s<\/span>
\n (ticker: AIG) division in 2016. That business throws off ample free cash flow, meaning that Arch can self-fund growth in today\u2019s hard market\u2014versus a pure-play reinsurer that might need to raise expensive capital elsewhere. \u201cThey allocate capital really well,\u201d says Haruki Toyama, manager of the
\n Madison Mid Cap
\n fund (GTSGX), which counts Arch as its largest holding. \u201cThey win over time by underwriting more when pricing is attractive and less when it\u2019s not.\u201d<\/p>\n

Chubb<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
Chubb \/ CB<\/b><\/td>\n$210.81<\/td>\n$86.3<\/td>\n1.6<\/td>\n10.7<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

Like Arch Capital, property and casualty insurer
\n Chubb
\n has a strong record of quality underwriting through both soft and hard insurance markets. Its investment returns are looking up, too. At the end of the second quarter, 86% of the insurer\u2019s $117 billion portfolio was in bonds, with an average duration of nearly five years. As it rolls over holdings in 2024, it will reinvest them in higher-yielding securities. Over the longer term, Chubb should enjoy a boost to growth from its Asian insurance businesses. Despite making up 40% of world gross domestic product, Asia is responsible for just 26% of global insurance, a gap that should narrow over time, says Deutsche Bank\u2019s Montazeri. He has a $269 price target on Chubb stock, up 30% from recent levels.<\/p>\n

Everest Group<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
Everest Group \/ EG<\/b><\/td>\n$392.50<\/td>\n$17.0<\/td>\n1.6<\/td>\n7.0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

Reinsurer
\n Everest Group\u2019s<\/span>
\n stock looks more than ready to scale the mountain. Wall Street analysts forecast earnings-per-share growth of nearly 90% for the company this year, driven by stronger pricing, followed by 15% in 2024. \u201cThis is truly a generational hard market,\u201d said Chief Financial Officer Mark Kociancic on an earnings call earlier this year. Wells Fargo analyst Elyse Greenspan points to several favorable catalysts for Everest Group stock: She expects strong third-quarter results in late October, new long-term financial targets at an investor day on Nov. 14, and positive pricing updates in January following reinsurance renewals to start the year. Greenspan has a price target of $452 on Everest shares, up 16%.<\/p>\n

W.R. Berkley<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
W.R. Berkley \/ WRB<\/b><\/td>\n$64.14<\/td>\n$16.5<\/td>\n2.4<\/td>\n12.2<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

\n W.R. Berkley,<\/span>
\n with peers like
\n Markel Group
\n (MKL) and
\n Kinsale Capital Group
\n (KNSL), plays in the \u201cexcess and surplus,\u201d or E&S, part of the insurance market, offering bespoke insurance lines for more-complex risks. That can mean insuring everything from racehorses to summer camps to cannabis cultivation. Because of their policies\u2019 idiosyncratic natures, E&S insurers\u2019 underwriting profit margins are far superior to those of standard insurers\u2019 commoditized lines. W.R. Berkley stock is attractive right now, trading at a meaningful discount to its historical average price\/earnings and price-to-book-value ratios. Analysts, on average, are forecasting 20% earnings-per-share growth in 2024.<\/p>\n

Metlife<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
MetLife \/ MET<\/b><\/td>\n$62.85<\/td>\n$47.2<\/td>\n1.8<\/td>\n7.3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

Life insurers tend to be more sensitive to financial market fluctuations than others, leading to more-volatile results\u2014and lower valuations. Take
\n MetLife,<\/span>
\n which trades for less than seven times expected 2024 earnings. While an uncertain outlook for stocks and bonds may continue to weigh on the multiple, MetLife has other ways to win. The insurer has vastly simplified its portfolio in recent years, spinning off its low-margin annuities unit as
\n Brighthouse Financial
\n (BHF) and selling other divisions. Now focused on employee benefit programs and other traditional insurance, MetLife is growing free cash flow and has boosted its stock-buyback plans\u2014a good move when shares are this cheap.<\/p>\n

Arthur J. Gallagher<\/h4>\n
<\/p>\n

<\/p>\n

\n
\n\n\n\n\n
Company \/ Ticker<\/th>\nRecent Price<\/th>\nMarket Value (billion)<\/th>\nP\/BV<\/th>\nNTM P\/E<\/th>\n<\/thead>\n
Arthur J. Gallagher \/ AJG<\/b><\/td>\n234.90<\/td>\n$50.6<\/td>\nN\/A<\/td>\n25.0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

P\/BV=price to book value; NTM=next twelve months; NA=not applicable<\/p>\n

Source: Bloomberg<\/p>\n<\/div><\/div>\n<\/p><\/div>\n

Insurance brokers like
\n Arthur J. Gallagher
\n are the middlemen between insurers and companies looking to manage their risks. It\u2019s a capital-light business that tends to grow at the pace of nominal gross domestic product. In recent years, insurance brokers have morphed into \u201cprofessional services firms\u201d by adding a variety of offerings in healthcare, human resources, and talent consulting. Gallagher is best positioned to benefit from today\u2019s hard market in insurance pricing, says Deutsche Bank\u2019s Montazeri, with 85% of its sales still coming from insurance brokerage. Higher premiums in a hard market mean larger commissions for Gallagher. His price target of $277 implies a 19% upside.<\/p>\n

Write to <\/strong>Nicholas Jasinski at nicholas.jasinski@barrons.com<\/p>\n<\/p><\/div>\n<\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

With so much uncertainty in the world today, it pays to have a little insurance. And it just so happens that insurance stocks look plenty attractive today. At its most basic level, insurance involves shifting risk from one party to another and charging fees for that service. That\u2019s true whether insuring property, interruptions to businesses, […]<\/p>\n","protected":false},"author":1,"featured_media":72315,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"footnotes":""},"categories":[239],"tags":[83],"class_list":["post-72314","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-investing","tag-featured","post_format-post-format-video"],"yoast_head":"\nInsurance Stocks Have Been Hammered. 6 Picks for a Rebound. | iFintechWorld<\/title>\n<meta name=\"description\" content=\"With so much uncertainty in the world today, it pays to have a little insurance. 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