L

Loews CorporationFinancial Services / Insurance - Property & CasualtyINTACT

Loews Corporation, through its subsidiaries, provides commercial property and casualty insurance in the United States and internationally. The company offers specialty insurance products, such as management and professional liability and other coverage products; surety and fidelity bonds; professional liability coverages and risk management services to various professional firms, including architects, real estate agents, and accounting and law firms; standard and excess property, marine and boiler, machinery coverages, workers' compensation, general and product liability, commercial auto, umbrella, excess and surplus coverages, specialized loss-sensitive insurance programs, total risk management services relating to claim and information services; directors and officers, errors and omissions, employment practices, fiduciary, fidelity, and cyber coverages, as well as for small and mid-size firms, public and privately held firms, and not-for-profit organizations; and insurance products to serve the health care industry, including professional and general liability, as well as associated casualty coverage to aging services, allied medical facilities, dentists, physicians, nurses, and other medical practitioners. It also provides warranty and alternative risk, and run-off long-term care insurance products; ethane supply and transportation services for petrochemical customers, as well as transports and stores natural gas and natural gas liquids; operates a chain of hotels; develops, manufactures, and markets a range of extrusion blow-molded and injection molded plastic containers; and manufactures commodities and differentiated plastic resins. The company markets its insurance products and services through a network of retail and wholesale brokers, independent agents, brokers, and managing general underwriters. Loews Corporation was incorporated in 1969 and is headquartered in New York, New York.

Share Price
$108.79
52W: $95.71 - $121.01
DCF Fair Value
$114.93
+5.3%
P/E (TTM)
13.4x
ROIC
10.9%
Operating Margin
14.5%
FCF Yield
5.7%
Debt / Equity
0.45x
Piotroski Score
6/9
Altman Z-Score
4.18
Market Cap
$22.2B

Price vs. Intrinsic Value Corridor

Modest Value ($108.79 vs $114.93 DCF)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)
()
Period Range
$ - $
DCF Fair Value
$114.93
MOS Buy Target (-25%)
$86.20
Valuation Overlays:

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price
$108.79
DCF Fair Value
$115.54
+5.8%
$1,262M
$100M$1,262M (Reported)$50,000M
7.3%
-5%10% (Target)35%
4.5%
0%5%20%
9.0%
6%9% (Standard)15% (High Risk)
2.5%
1% (GDP Floor)2.5% (Inflation)4.0%
$2,500M
-$100B CashBalance Sheet+$150B Debt
10-Yr PV of Cash Flows
$11.2B
PV of Terminal Value
$14.9B
Implied Enterprise Value
$26.1B
Implied Equity Value
$23.6B
YearYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10
Projected FCF ($M)$1,354$1,453$1,559$1,673$1,795$1,876$1,960$2,048$2,141$2,237
Present Value (PV)$1,242$1,223$1,204$1,185$1,167$1,118$1,072$1,028$986$945

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+16.8%
$130.79

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $8.13BVPS: $93.52
Revised Graham Formula+24.8% MoS
$144.58

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Buffett Owner Earnings5.4% Yield
$5.88 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $1.2BYield: 5.4%

Reverse DCF: Market Growth Expectation

MODEST BARRIER
3.9% CAGR (Next 10 Yrs)

At the current price of $108.79, the market is assuming the business will compound Free Cash Flow at 3.9% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict
✓ Low market hurdle: Easy for a wide-moat compounder to beat.
Autonomous Thesis Underwriting

Surveil L with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Loews Corporation. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 14.5% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

Frequently Asked Questions: Loews Corporation (L) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Loews Corporation.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Loews Corporation has an estimated DCF intrinsic fair value of $114.93 per share compared to its current market price of $108.79. This represents an estimated 5.3% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $130.79.

Related Financial Services Value Stocks & Sector Peers

Compare Loews Corporation with audited intrinsic valuation models across the Financial Services sector.

View All S&P 500 Stocks