EVEREST GROUP, LTD.
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EG Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Premiums Earned Net | 3,855 | 3,918 | -1.6% |
Show Business Segments breakouts |
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| All Other Segments | 24 | 50 | -52.0% |
| Insurance | 939 | 898 | +4.6% |
| Reinsurance | 2,892 | 2,970 | -2.6% |
| Net Investment Income | 540 | 496 | +8.9% |
| Gain Loss On Investments | -47 | -27 | -74.1% |
Show Equity Components breakouts |
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| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 47 | 33 | +42.4% |
| Other Operating Income Expense Net | -29 | -102 | +71.6% |
| Revenue | 4,319 | 4,285 | +0.8% |
| Policyholder Benefits And Claims Incurred Net | 2,837 | 2,584 | +9.8% |
Show Business Segments breakouts |
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| All Other Segments | 163 | 37 | +340.5% |
| Insurance | 996 | 605 | +64.6% |
| Reinsurance | 1,678 | 1,942 | -13.6% |
| Sales & Marketing | 890 | 826 | +7.7% |
Show Business Segments breakouts |
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| All Other Segments | 6 | 5 | +20.0% |
| Insurance | 121 | 110 | +10.0% |
| Reinsurance | 764 | 710 | +7.6% |
| Other Underwriting Expense | 258 | 236 | +9.3% |
Show Business Segments breakouts |
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| All Other Segments | 5 | 8 | -37.5% |
| Insurance | 178 | 154 | +15.6% |
| Reinsurance | 74 | 73 | +1.4% |
| Corporate Expenses | 27 | 25 | +8.0% |
| Interest Fee And Bond Issue Cost Amortization Expense | 38 | 38 | 0.0% |
| Benefits Losses And Expenses | 4,050 | 3,708 | +9.2% |
| Income Before Taxes | 269 | 577 | -53.4% |
| Income Tax Expense (Benefit) | 14 | 68 | -79.4% |
Show Equity Components breakouts |
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| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 10 | 3 | +233.3% |
| Net Income | 255 | 509 | -49.9% |
Show Equity Components breakouts |
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| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 37 | 30 | +23.3% |
| Retained Earnings | 255 | 509 | -49.9% |
| Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax | 129 | 704 | -81.7% |
| Other Comprehensive Income Loss Reclassification Adjustment From A O C I For Sale Of Securities Net Of Tax | 37 | 30 | +23.3% |
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | 165 | 734 | -77.5% |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | 1 | 83 | -98.8% |
| Other Comprehensive Income | 167 | 816 | -79.5% |
Show Equity Components breakouts |
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| Accumulated Net Unrealized Investment Gain Loss | 165 | 734 | -77.5% |
| Accumulated Other Comprehensive Income | 167 | 816 | -79.5% |
| Accumulated Translation Adjustment | 1 | 83 | -98.8% |
| Comprehensive Income | 422 | 1,325 | -68.2% |
| EPS (Basic) | 6.09 | 11.8 | -48.4% |
| EPS (Diluted) | 6.09 | 11.8 | -48.4% |
| Wtd Avg Shares (Basic) | 41.4 | 42.6 | -2.8% |
| Wtd Avg Shares (Diluted) | 41.4 | 42.6 | -2.8% |
| Net Income Loss Available To Common Stockholders Basic | 252 | 503 | -49.9% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Deferred Tax Assets | 1,009 | 863 | +16.9% |
| Total Assets | 62,240 | 55,864 | +11.4% |
| Other Assets | |||
| Debt Securities Available For Sale Excluding Accrued Interest | 33,912 | 30,479 | +11.3% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 31,517 | 28,397 | +11.0% |
| Fair Value Inputs Level2 · Agency commercial | 409 | — | — |
| Fair Value Inputs Level2 · Agency residential | 5,484 | — | — |
| Fair Value Inputs Level2 · Asset Backed Securities | 3,065 | 4,396 | -30.3% |
| Fair Value Inputs Level2 · Domestic Corporate Debt Securities | 9,304 | 7,646 | +21.7% |
| Fair Value Inputs Level2 · Foreign Corporate Debt Securities | 7,518 | 6,372 | +18.0% |
| Fair Value Inputs Level2 · Foreign Government Debt Securities | 2,470 | 2,338 | +5.6% |
| Fair Value Inputs Level2 · Non-agency commercial | 872 | — | — |
| Fair Value Inputs Level2 · Non-agency residential | 1,595 | — | — |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 49 | 84 | -41.7% |
| Fair Value Inputs Level2 · US Treasury And Government | 752 | 709 | +6.1% |
| Fair Value Inputs Level3 | 2,394 | 2,082 | +15.0% |
| Fair Value Inputs Level3 · Asset Backed Securities | 1,979 | 1,519 | +30.3% |
| Fair Value Inputs Level3 · Domestic Corporate Debt Securities | 402 | 549 | -26.8% |
| Fair Value Inputs Level3 · Foreign Corporate Debt Securities | 14 | 14 | 0.0% |
Show Financial Instrument breakouts |
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| Agency commercial | 409 | — | — |
| Agency residential | 5,484 | — | — |
| Asset Backed Securities | 5,044 | 5,915 | -14.7% |
| Domestic Corporate Debt Securities | 9,705 | 8,195 | +18.4% |
| Fixed Maturities | 2.4 | 2.1 | +14.3% |
| Foreign Corporate Debt Securities | 7,531 | 6,386 | +17.9% |
| Foreign Government Debt Securities | 2,470 | 2,338 | +5.6% |
| Non-agency commercial | 872 | — | — |
| Non-agency residential | 1,595 | — | — |
| US States And Political Subdivisions | 49 | 84 | -41.7% |
| US Treasury And Government | 752 | 709 | +6.1% |
Show Fair Value By Asset Class breakouts |
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| Agency commercial | 409 | — | — |
| Agency residential | 5,484 | — | — |
| Asset Backed Securities | 5,044 | 5,915 | -14.7% |
| Domestic Corporate Debt Securities | 9,705 | 8,195 | +18.4% |
| Foreign Corporate Debt Securities | 7,531 | 6,386 | +17.9% |
| Foreign Government Debt Securities | 2,470 | 2,338 | +5.6% |
| Non-agency commercial | 872 | — | — |
| Non-agency residential | 1,595 | — | — |
| US States And Political Subdivisions | 49 | 84 | -41.7% |
| US Treasury And Government | 752 | 709 | +6.1% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 604 | 780 | -22.6% |
| Equity Securities Fv Ni | 177 | 230 | -23.0% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 | 87 | 72 | +20.8% |
| Fair Value Inputs Level2 | 87 | 153 | -43.1% |
| Fair Value Inputs Level3 | 3 | 5 | -40.0% |
| Equity Method Investments | 5,709 | 5,071 | +12.6% |
| Other Short Term Investments | 3,890 | 3,931 | -1.0% |
| Cash | 1,539 | 1,599 | -3.8% |
| Investments And Cash | 45,831 | 42,090 | +8.9% |
| Accrued Investment Income Receivable | 421 | 380 | +10.8% |
| Premiums Receivable At Carrying Value | 6,017 | 5,372 | +12.0% |
| Reinsurance Recoverables On Paid Losses | 378 | 239 | +58.2% |
| Reinsurance Recoverable For Unpaid Claims And Claims Adjustments | 3,511 | 2,276 | +54.3% |
| Funds Held Under Reinsurance Agreements Asset | 1,256 | 1,229 | +2.2% |
| Deferred Policy Acquisition Costs | 1,542 | 1,475 | +4.5% |
| Prepaid Reinsurance Premiums | 926 | 952 | -2.7% |
| Other Assets | 1,348 | 986 | +36.7% |
Show Fair Value By Asset Class breakouts |
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| Investments · Estimate Of Fair Value Fair Value Disclosure | 242 | 259 | -6.6% |
| Non-Current Liabilities | |||
| Interest Payable Current And Noncurrent | 43 | 43 | 0.0% |
| Total Liabilities | 46,864 | 40,529 | +15.6% |
| Other Liabilities | |||
| Liability For Claims And Claims Adjustment Expense | 33,742 | 27,480 | +22.8% |
| Unearned Premiums | 7,489 | 7,462 | +0.4% |
| Funds Held Under Reinsurance Agreements Liability | 16 | — | — |
| Reinsurance Payable | 1,084 | 979 | +10.7% |
| Loss In Course Of Payment | 228 | 259 | -12.0% |
| Senior Notes | 2,351 | 2,350 | 0.0% |
Show Debt Instrument breakouts |
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| 3.125% Senior notes · Senior Notes | 971 | 971 | 0.0% |
| 3.5% Senior notes · Senior Notes | 982 | 982 | 0.0% |
| 4.868% Senior notes · Senior Notes | 398 | 398 | 0.0% |
Show Long-Term Debt Type breakouts |
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| Senior Notes | 2,351 | 2,350 | 0.0% |
| Subordinated Debt | 218 | 218 | 0.0% |
Show Debt Instrument breakouts |
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| Subordinated Notes Issued 2007 · Subordinated Debt | 218 | 218 | 0.0% |
| Advances From Federal Home Loan Banks | 1,019 | 819 | +24.4% |
Show Legal Entity breakouts |
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| Everest Reinsurance Company (Everest Re) · Federal Home Loan Bank Of New York | 1 | 819 | -99.9% |
| Other Payables To Broker Dealers And Clearing Organizations | 17 | 434 | -96.1% |
| Other Liabilities | 658 | 469 | +40.3% |
| Stockholders' Equity | |||
| Common Stock | 1 | 1 | 0.0% |
| Additional Paid-In Capital | 3,835 | 3,799 | +0.9% |
| Accumulated Other Comprehensive Income | -154 | -344 | +55.2% |
| Treasury Stock Common Value | -4,508 | -4,108 | -9.7% |
| Retained Earnings | 16,202 | 15,988 | +1.3% |
| Total Stockholders' Equity | 15,375 | 15,335 | +0.3% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | 8 | 8 | 0.0% |
| Accumulated Net Unrealized Investment Gain Loss | -69 | -202 | +65.8% |
| Accumulated Other Comprehensive Income | -154 | -344 | +55.2% |
| Accumulated Translation Adjustment | -93 | -150 | +38.0% |
| Additional Paid In Capital | 3,835 | 3,799 | +0.9% |
| Common Stock | 1 | 1 | 0.0% |
| Retained Earnings | 16,202 | 15,988 | +1.3% |
| Treasury Stock Common | -4,508 | -4,108 | -9.7% |
| Total Liabilities & Equity | 62,240 | 55,864 | +11.4% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Increase Decrease In Premiums Receivable | -417 | -529 | +21.2% |
| Increase Decrease In Funds Held Under Reinsurance Agreements | -43 | -99 | +56.6% |
| Increase Decrease In Reinsurance Recoverable | -266 | -112 | -137.5% |
| Increase Decrease In Income Taxes Receivable | 80 | -65 | +223.1% |
| Increase Decrease In Prepaid Reinsurance Premiums | 77 | -201 | +138.3% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 3,086 | 2,605 | +18.5% |
| Increase Decrease In Unearned Premiums | -48 | 767 | -106.3% |
| Increase Decrease In Reinsurance Payables | 213 | 278 | -23.4% |
| Increase Decrease In Losses In Course Of Payment | -23 | 86 | -126.7% |
| Change In Equity Adjustments In Limited Partnerships | -242 | -236 | -2.5% |
| Reimbursement From Limited Partnership Investment | 128 | 106 | +20.8% |
| Increase Decrease In Other Operating Capital Net | -204 | -376 | +45.7% |
| Stock-Based Compensation | 43 | 49 | -12.2% |
| Amortization Of Debt Discount Premium | -122 | -113 | -8.0% |
| Net Cash from Operations | 3,466 | 4,177 | -17.0% |
| Investing Activities | |||
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 3,376 | 2,692 | +25.4% |
| Proceeds From Sale Of Available For Sale Securities Debt | 933 | 4,322 | -78.4% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 156 | 129 | +20.9% |
| Proceeds From Sale Of Held To Maturity Securities | 10 | — | — |
| Proceeds From Sale Of Equity Securities Fv Ni | 55 | 15 | +266.7% |
| Proceeds From Equity Method Investment Dividends Or Distributions Return Of Capital | 266 | 289 | -8.0% |
| Purchases of Investments | -8,021 | -9,069 | +11.6% |
| Payments To Acquire Held To Maturity Securities | -6 | -46 | +87.0% |
| Payments To Acquire Equity Securities Fv Ni | -2 | -35 | +94.3% |
| Payments To Acquire Interest In Subsidiaries And Affiliates | -406 | -438 | +7.3% |
| Payments For Proceeds From Short Term Investments | 945 | -1,724 | +154.8% |
| Net Change In Unsettled Securities Transactions | -66 | 321 | -120.6% |
| Net Cash from Investing | -2,759 | -3,545 | +22.2% |
| Noncash Or Part Noncash Distribution Made To Limited Partner | 8 | 23 | -65.2% |
| Financing Activities | |||
| Payments For Proceeds From Shares Issued Redeemed For Share Based Compensation Net Of Expense | -19 | -23 | +17.4% |
| Share Repurchases | -400 | -200 | -100.0% |
| Payments Of Dividends Common Stock | -253 | -249 | -1.6% |
| Tax Withholding for Share Compensation | -20 | -23 | +13.0% |
| Net Cash from Financing | -693 | -495 | -40.0% |
| Supplemental | |||
| Income Taxes Paid | 98 | 340 | -71.2% |
| Interest Paid | 91 | 90 | +1.1% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -24 | 25 | -196.0% |
| Net Change in Cash | -10 | 162 | -106.2% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,539 | 1,599 | -3.8% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.