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Markel (MKL) Stock Analysis

This is a peer-relative look at Markel (MKL): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Markel (MKL)
Profile ItemMKL
NameMarkel Group Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryProperty & Casualty Insurance
Market Capitalization23.71 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateDecember 12, 1986
Security TypeCommon Stock

Price Performance

Cumulative Growth

MKL
GSPC
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Markel (MKL) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Markel (MKL) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Markel (MKL) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Total Return (1Y)-4.35%13.21%
Total Return (3Y, Annualized)13.21%16.41%
Total Return (5Y, Annualized)8.36%10.37%

Risk Profile

Drawdown History

MKL
GSPC
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Markel (MKL) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Markel (MKL) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Volatility (1Y, Annualized)18.61%28.84%
Beta (5Y)0.570.50
Max Drawdown (5Y)-28.87%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. MKL is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Sharpe Ratio (1Y)-0.460.28
Sortino Ratio (1Y)-0.600.41

Profitability

ROE (TTM)

Markel (MKL) posts ROE of 9.75%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

MKL

Insurance industry group

9.75%

Group distribution
Max
41.68%
Q3
22.04%
Median
14.81%
MKL
9.75%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
CB
14.25%
MFC
12.24%
MKL
9.75%
AJG
7.21%
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Where Markel (MKL) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Markel (MKL) keeps 11.13% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

MKL

Insurance industry group

11.13%

Group distribution
Max
29.92%
Q3
17.03%
MKL
11.13%
Median
10.97%
Q1
6.21%
Min
-4.68%
Largest peers
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
MKL
11.13%
AJG
10.78%
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Where Markel (MKL) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Markel (MKL) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
ROE (TTM)9.75%14.81%
ROA (TTM)2.21%2.72%
Net Margin (TTM)11.13%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Markel (MKL) grew revenue -2.49%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Markel (MKL): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Markel (MKL) grew earnings per share -15.10%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

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Markel (MKL): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Revenue Growth (YoY)-2.49%7.89%
Revenue Growth (3Y CAGR)11.40%11.40%
EPS Growth (YoY)-15.10%21.77%
EPS Growth (3Y CAGR)--18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Markel (MKL) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Markel (MKL) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Markel (MKL) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

MKL

Insurance industry group

0.00%

Group distribution
Max
5.12%
Q3
2.15%
Median
0.98%
MKL
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
PGR
0.17%
MKL
0.00%
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Where Markel (MKL) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Markel (MKL) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

MKL

Insurance industry group

0.00%

Group distribution
Max
76.67%
Q3
35.18%
Median
14.74%
MKL
0.00%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
CB
13.95%
TRV
12.36%
MKL
0.00%
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Where Markel (MKL) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
Dividend Yield (TTM)0.00%0.98%
Dividend Payout Ratio (TTM)0.00%14.74%

Valuation

P/E Ratio (TTM)

Markel (MKL) trades at P/E ratio of 13.80, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

MKL

Insurance industry group

13.80

Group distribution
Max
28.37
Q3
18.75
MKL
13.80
Median
12.23
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
MRSH
24.50
MFC
17.23
MKL
13.80
CB
12.79
PGR
11.47
TRV
10.39
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Where Markel (MKL) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Markel (MKL) trades at 1.47 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

MKL

Insurance industry group

1.47

Group distribution
Max
4.03
Q3
2.25
MKL
1.47
Median
1.23
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
MFC
2.11
TRV
1.66
MKL
1.47
PGR
1.44
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Where Markel (MKL) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Markel (MKL) trades at 1.28 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

MKL

Insurance industry group

1.28

Group distribution
Max
5.07
Q3
2.79
Median
1.76
MKL
1.28
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
MKL
1.28
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Where Markel (MKL) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Markel (MKL) metric values compared with Insurance industry-group medians
MetricCurrent stock: MKLIndustry group median
P/E Ratio (TTM)13.8012.23
P/S Ratio (TTM)1.471.23
P/B Ratio (MRQ)1.281.76
Free Cash Flow Yield (TTM)----