Tearsheet

Markel (MKL)


Market Price (12/25/2025): $2186.4551 | Market Cap: $27.5 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Markel (MKL)


Market Price (12/25/2025): $2186.4551
Market Cap: $27.5 Bil
Sector: Financials
Industry: Property & Casualty Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.


0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.4%, FCF Yield is 8.7%
Trading close to highs
Dist 52W High is -0.3%, Dist 3Y High is -0.3%
Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.6%, Rev Chg QQuarterly Revenue Change % is -2.5%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -24%
Weak multi-year price returns
3Y Excs Rtn is -8.4%
Key risks
MKL key risks include [1] significant earnings volatility driven by its large, Show more.
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 16%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 15%, CFO LTM is 2.6 Bil, FCF LTM is 2.4 Bil
  
3 Low stock price volatility
Vol 12M is 24%
  
4 Megatrend and thematic drivers
Megatrends include Digital & Alternative Assets, and Global Risk & Specialty Insurance. Themes include Private Equity, Specialty Insurance Solutions, Show more.
  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.4%, FCF Yield is 8.7%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -24%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 16%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 15%, CFO LTM is 2.6 Bil, FCF LTM is 2.4 Bil
3 Low stock price volatility
Vol 12M is 24%
4 Megatrend and thematic drivers
Megatrends include Digital & Alternative Assets, and Global Risk & Specialty Insurance. Themes include Private Equity, Specialty Insurance Solutions, Show more.
5 Trading close to highs
Dist 52W High is -0.3%, Dist 3Y High is -0.3%
6 Weak multi-year price returns
3Y Excs Rtn is -8.4%
7 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.6%, Rev Chg QQuarterly Revenue Change % is -2.5%
8 Key risks
MKL key risks include [1] significant earnings volatility driven by its large, Show more.

Valuation, Metrics & Events

MKL Stock


Why The Stock Moved


Qualitative Assessment

AI Analysis | Feedback

Based on available information regarding Markel (MKL) up to the most recent period, here are some key points highlighting factors influencing its performance: 1. Markel Ventures experienced significant operating income growth. For the third quarter of 2023, Markel Ventures' operating income grew by 77%, and for the full year 2023, it increased by 35%. This was primarily due to higher operating margins within its products businesses. 2. Net investment income saw a substantial increase. In the third quarter of 2023, net investment income rose by 71%, and for the full year 2023, it increased by 64%. This growth was driven by higher interest income from short-term investments and cash equivalents, benefiting from elevated interest rates. Show more

Stock Movement Drivers

Fundamental Drivers

The 13.2% change in MKL stock from 9/24/2025 to 12/24/2025 was primarily driven by a 20.3% change in the company's P/E Multiple.
924202512242025Change
Stock Price ($)1928.712182.9313.18%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)16258.8216145.88-0.69%
Net Income Margin (%)13.73%12.88%-6.23%
P/E Multiple10.9713.1920.25%
Shares Outstanding (Mil)12.7012.561.06%
Cumulative Contribution13.17%

LTM = Last Twelve Months as of date shown

Market Drivers

9/24/2025 to 12/24/2025
ReturnCorrelation
MKL13.2% 
Market (SPY)4.4%3.1%
Sector (XLF)4.0%47.5%

Fundamental Drivers

The 11.1% change in MKL stock from 6/25/2025 to 12/24/2025 was primarily driven by a 8.7% change in the company's Net Income Margin (%).
625202512242025Change
Stock Price ($)1965.002182.9311.09%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)15558.5216145.883.78%
Net Income Margin (%)11.85%12.88%8.69%
P/E Multiple13.6513.19-3.37%
Shares Outstanding (Mil)12.8012.561.89%
Cumulative Contribution11.05%

LTM = Last Twelve Months as of date shown

Market Drivers

6/25/2025 to 12/24/2025
ReturnCorrelation
MKL11.1% 
Market (SPY)14.0%17.4%
Sector (XLF)8.8%56.4%

Fundamental Drivers

The 24.4% change in MKL stock from 12/24/2024 to 12/24/2025 was primarily driven by a 71.7% change in the company's P/E Multiple.
1224202412242025Change
Stock Price ($)1755.132182.9324.37%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)17289.4916145.88-6.61%
Net Income Margin (%)17.16%12.88%-24.96%
P/E Multiple7.6813.1971.67%
Shares Outstanding (Mil)12.9912.563.27%
Cumulative Contribution24.24%

LTM = Last Twelve Months as of date shown

Market Drivers

12/24/2024 to 12/24/2025
ReturnCorrelation
MKL24.4% 
Market (SPY)15.8%50.1%
Sector (XLF)14.9%67.3%

Fundamental Drivers

The 66.9% change in MKL stock from 12/25/2022 to 12/24/2025 was primarily driven by a 40.5% change in the company's Total Revenues ($ Mil).
1225202212242025Change
Stock Price ($)1307.642182.9366.94%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)11488.4516145.8840.54%
P/S Multiple1.541.7010.01%
Shares Outstanding (Mil)13.5612.567.39%
Cumulative Contribution66.03%

LTM = Last Twelve Months as of date shown

Market Drivers

12/25/2023 to 12/24/2025
ReturnCorrelation
MKL57.4% 
Market (SPY)48.9%43.9%
Sector (XLF)53.2%63.5%

Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
MKL Return-10%19%7%8%22%27%91%
Peers Return-6%37%25%4%27%15%144%
S&P 500 Return16%27%-19%24%23%18%115%

Monthly Win Rates [3]
MKL Win Rate67%67%50%42%42%67% 
Peers Win Rate58%63%57%55%67%60% 
S&P 500 Win Rate58%75%42%67%75%73% 

Max Drawdowns [4]
MKL Max Drawdown-35%-9%-13%-10%-2%-4% 
Peers Max Drawdown-44%-8%-5%-15%-0%-7% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 


[1] Cumulative total returns since the beginning of 2020
[2] Peers: CB, WRB, ACGL, AFG, TRV. See MKL Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)

How Low Can It Go

Unique KeyEventMKLS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-28.9%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven40.6%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven318 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-44.7%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven80.7%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven721 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-21.7%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven27.7%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven408 days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-61.3%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven158.5%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven1,593 days1,480 days

Compare to TRV, MET, AIG, PRU, HIG

In The Past

Markel's stock fell -28.9% during the 2022 Inflation Shock from a high on 3/24/2022. A -28.9% loss requires a 40.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Markel (MKL)

Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, the Asia Pacific, and the Middle East. Its Insurance segment offers general and professional liability, personal lines, marine and energy, specialty programs, and workers' compensation insurance products; and property coverages that include fire, allied lines, and other specialized property coverages, including catastrophe-exposed property risks, such as earthquake and wind. This segment also offers credit and surety products, and collateral protection insurance products. The company's Reinsurance segment offers transaction, healthcare, and environmental impairment liability; and specialty treaty reinsurance products comprising structured and whole turnover credit, political risk, mortgage and contract, and commercial surety reinsurance programs. Its Markel Ventures segment provides equipment used in baking systems and food processing; portable dredges; over-the-road car haulers and transportation equipment; and laminated oak and composite wood flooring, tube and tank trailers, as well as ornamental plants and residential homes, handbags, and architectural products. This segment also provides consulting, and other types of services to businesses and consumers, including distribution of exterior building products, crane rental, fire protection, and life safety services, management and technology consulting, and retail intelligence services. The company's Other segment provides healthcare, leasing and investment services, as well as operates as an insurance and investment fund manager offering a range of investment products, including insurance-linked securities, catastrophe bonds, insurance swaps, and weather derivatives; and program services. it also manages funds with third parties. Markel Corporation was founded in 1930 and is based in Glen Allen, Virginia.

AI Analysis | Feedback

Here are 1-3 brief analogies for Markel (MKL):

  • A smaller, specialty Berkshire Hathaway.
  • Berkshire Hathaway for specialty insurance and diverse operating companies.

AI Analysis | Feedback

Markel (MKL) Major Products and Services

  • Specialty Insurance and Reinsurance: Provides customized insurance and reinsurance solutions for unique or hard-to-place risks across various niche markets globally.
  • Products and Services from Operating Companies: Through its Markel Ventures segment, it offers a wide range of manufactured products and specialized services from its diverse portfolio of non-insurance businesses.

AI Analysis | Feedback

```html

Markel (MKL) primarily sells its specialty insurance products and services to other companies and organizations, rather than directly to individuals. As a specialty insurer, Markel underwrites a broad range of unique and complex risks for a diverse commercial customer base globally.

Due to the nature of the specialty insurance business and client confidentiality, Markel does not publicly disclose the names of its specific major customers (i.e., the insured entities). Furthermore, Markel's annual reports (10-K) indicate that no single customer or group of customers accounts for a material portion of its premiums, reflecting a highly diversified client portfolio.

However, we can describe the categories of businesses and organizations that typically purchase specialty insurance from Markel:

  • Commercial and Professional Services Firms: This broad category includes businesses of various sizes across numerous industries that require specialized coverage for professional liability (e.g., errors & omissions for architects, engineers, technology firms), directors & officers liability, general liability, property, cyber risks, and workers' compensation.
  • Niche and Specialty Industry Businesses: Markel is well-known for insuring companies in specific, often complex, sectors. These include businesses involved in marine and energy (e.g., shipping, offshore operations), aviation, environmental services, construction, healthcare, and other industries with unique risk profiles that standard insurers may not cover.
  • Public Entities and Non-Profit Organizations: Markel also provides specialty insurance solutions for governmental entities, municipalities, educational institutions, and various non-profit organizations, addressing their specific liability, property, and professional indemnity needs.
```

AI Analysis | Feedback

null

AI Analysis | Feedback

Thomas S. Gayner Chief Executive Officer

Thomas S. Gayner has served as the Chief Executive Officer of Markel Group since January 2023, having previously been Co-Chief Executive Officer since 2016. He joined Markel in 1990 to establish Markel Gayner Asset Management, where he oversees all investing activities and is responsible for Markel Ventures, a subsidiary that acquires controlling interests in various companies. Prior to joining Markel, Mr. Gayner was Vice President of Davenport & Company LLC of Virginia and worked as a certified public accountant with PricewaterhouseCoopers LLP. He serves as Chairman of the Board of the Davis Series Mutual Funds and is on the boards of Graham Holdings and The Coca-Cola Company.

Brian Costanzo Chief Financial Officer

Brian Costanzo was appointed Chief Financial Officer of Markel Group in December 2023, and he also retains his role as CFO of the Markel insurance business. He has been with Markel Group for 14 years, holding various leadership positions including Controller from 2019 to 2021 and Chief Accounting Officer from 2021 to 2022. Most recently, he served as the Chief Financial Officer of the insurance arm of Markel.

Simon Wilson Chief Executive Officer, Markel Insurance

Simon Wilson was appointed Chief Executive Officer of Markel Insurance, which encompasses the company's three primary underwriting businesses, effective March 2025. He joined Markel in 2010 to lead international business development and is recognized as the "primary architect" of Markel International's expansion. In January 2020, he was named Managing Executive of Global Strategy, and in 2021, he became President of Markel International. Before joining Markel, Mr. Wilson led the Lloyd's Asia platform in Singapore.

Michael R. Heaton Executive Vice President; Chief Operating Officer

Michael R. Heaton assumed the role of Executive Vice President and Chief Operating Officer of Markel Group in February 2024. He has been with Markel for nearly two decades, joining in 2006. He has held several positions, including Managing Director for Markel Ventures (2012), Chief Operating Officer for Markel Ventures (2013), and President of Markel Ventures (2016-2022). Mr. Heaton played a significant role in the company's transition to a formal holding company structure. His early career involved entrepreneurial and operational roles, and he has served on the corporate boards of companies within Markel Ventures, such as CapTech, Brahmin, Lansing Building Products, and Costa Farms.

Richard R. Grinnan SVP, Chief Legal Officer

Richard R. Grinnan serves as Senior Vice President and Chief Legal Officer of Markel Group. He has been the Chief Legal Officer, Secretary, and Senior Vice President of the company since February 2020. Prior to this, he served as the General Counsel and Secretary from June 2014 to February 2020, and as Assistant General Counsel from August 2012 to June 2014.

AI Analysis | Feedback

The public company Markel (symbol: MKL) faces several key risks to its business, primarily stemming from its insurance operations and substantial investment portfolio.

  1. Catastrophic Events and Underwriting Losses: Markel's insurance and reinsurance operations are highly susceptible to significant and unpredictable losses from catastrophic events, such as hurricanes, wildfires, and other natural disasters. These events can lead to insured losses that surpass expectations, thereby challenging the company's financial stability and underwriting capabilities. The specialty and alternative insurance markets, where Markel operates, present substantial exposure to underwriting losses.
  2. Market Volatility and Investment Portfolio Sensitivity: Markel maintains a significant investment portfolio, and its financial performance is sensitive to market volatility. This includes fluctuations in interest rates and swings in equity markets. Unrealized gains and losses on equity securities, which are included in net income, can introduce short-term volatility in the company's revenues and operating income, potentially obscuring its underlying operational performance.
  3. Technological Disruptions and Cybersecurity Risks: As a diversified holding company, Markel Group Inc. must maintain robust cybersecurity across its various businesses. The company faces threats from technological disruptions and cybersecurity incidents. Given the disparate nature of the businesses, systems, and providers within Markel Ventures, there is no single, uniform approach to managing cybersecurity risk, with each business tailoring its approach to its unique needs.

AI Analysis | Feedback

Markel (MKL) Emerging Threats The accelerating pace of technological disruption in the insurance sector, particularly through advanced artificial intelligence, machine learning, and sophisticated data analytics. These technologies are increasingly capable of automating complex underwriting processes, enhancing risk assessment, and improving claims management. While Markel has historically excelled in niche and complex specialty insurance lines relying on deep human expertise, these advancements could empower new Insurtech companies or more agile competitors to gain significant efficiencies, offer more competitive pricing, or deliver superior customer experiences across certain segments of Markel's market. This could erode Markel's traditional competitive advantages, necessitating substantial investment in technology to maintain its market position and profitability.

AI Analysis | Feedback

Markel Group (MKL) operates across several key segments, with its main products and services primarily falling under Specialty Insurance, Reinsurance, and Markel Ventures.

Specialty Insurance

Markel's core business involves underwriting specialty insurance products globally, covering a wide array of niche markets and unique risks. The global specialty insurance market was valued at approximately USD 100.4 billion in 2024 and is projected to grow to around USD 184.4 billion by 2033, exhibiting a compound annual growth rate (CAGR) of 7% from 2025 to 2033. Other estimates for the global market in 2024 range up to USD 105 billion, with projections reaching between USD 234 billion and USD 279 billion by 2031-2033.

Reinsurance

Markel's reinsurance segment provides coverage to other insurance companies, helping them manage risk and improve financial stability through both treaty and facultative reinsurance. The global reinsurance market size reached approximately USD 581.3 billion in 2024 and is expected to grow to about USD 1,165.7 billion by 2033, at a CAGR of 8.04% from 2025 to 2033. Another estimate places the global reinsurance market at USD 711.75 billion in 2024, projected to reach USD 2000.08 billion by 2034 with a CAGR of 10.88% from 2025 to 2034.

Markel Ventures

null

AI Analysis | Feedback

Here are 3-5 expected drivers of future revenue growth for Markel (MKL) over the next 2-3 years:

  1. Growth in Specialty Insurance Operations: Markel expects future revenue growth to be driven by continued expansion and profitability within its specialty insurance segments. This includes targeted premium increases, improved underwriting performance, and particular strength in its international and programs & solutions divisions. For instance, in Q3 2025, the international and programs and solutions divisions experienced strong growth in underwriting premiums, at 25% and 12% respectively. The company has also been focusing on streamlining its portfolio and improving efficiency in its insurance business to drive profitable growth.
  2. Expansion of Markel Ventures through Organic Growth and Acquisitions: The Markel Ventures segment, which comprises diversified non-insurance businesses, is anticipated to contribute to revenue growth through both organic expansion and strategic acquisitions. Recent reports highlight revenue growth in Markel Ventures, particularly from its consumer and building products businesses, with contributions from acquisitions such as EPI and Valor Environmental.
  3. Increased Net Investment Income and Returns from the Public Equity Portfolio: Markel's Investments engine is a significant driver of overall revenue. Future growth is expected to benefit from a continued environment of higher interest rates, which increases net investment income, and favorable market value movements within its public equity portfolio. For example, net investment income increased 22% in Q3 2024 and 29% year-to-date.
  4. Enhanced Underwriting Discipline and Improved Combined Ratio: Markel's strategic initiatives to improve underwriting performance and lower its combined ratio are expected to underpin sustainable revenue growth. This involves exiting underperforming business lines, implementing leadership changes, and focusing on cost discipline, which enhances the overall profitability and financial health of the insurance operations. The combined ratio improved to 96.4% in Q3 2024 from 99.1% in Q3 2023, and further improved to just under 93% in Q3 2025. This improved efficiency allows for more profitable growth in premiums.

AI Analysis | Feedback

Share Repurchases

  • Markel authorized a new $2 billion share repurchase program in November 2024, replacing a previous $750 million authorization from November 2023.
  • Under the prior $750 million program, $495 million of common stock was repurchased through November 12, 2024.
  • Annual share repurchases were approximately $572.7 million in 2024, $445.5 million in 2023, and $290.8 million in 2022.

Share Issuance

  • Markel has not reported significant share issuances; instead, the number of shares outstanding has consistently declined due to share repurchase programs. Shares outstanding decreased by 2.52% in 2024, 1.49% in 2023, and 1.59% in 2022.

Outbound Investments

  • In April 2025, Markel acquired The MECO Group Limited, a specialist marine managing general agent (MGA), to strengthen its marine insurance capabilities, with MECO having written US$63 million in gross written premiums in 2024.
  • In June 2024, Markel acquired a majority interest in Valor Environmental, a company specializing in erosion control and related services, expanding its Markel Ventures portfolio.
  • Markel Ventures, a division of Markel Group, continuously seeks acquisitions to diversify revenue streams and its portfolio of businesses.

Capital Expenditures

  • Markel's capital expenditures were approximately $258.6 million in 2023 and are forecasted at $255 million for 2024.
  • Historical capital expenditures were $254.7 million in 2022, $145.2 million in 2021, and $101.3 million in 2020.
  • Capital expenditures within Markel Ventures are primarily directed toward funding strategic growth investments and projects for its operating subsidiaries.

Trade Ideas

Select ideas related to MKL. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
WU_11212025_Dip_Buyer_FCFYield11212025WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
13.8%13.8%-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper11212025COINCoinbase GlobalMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-0.3%-0.3%-0.5%
PYPL_11142025_Dip_Buyer_FCFYield11142025PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
-4.4%-4.4%-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper11142025VVisaMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
7.6%7.6%-2.7%
WD_11072025_Dip_Buyer_ValueBuy11072025WDWalker & DunlopDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
-11.2%-11.2%-12.1%
MKL_4302022_Quality_Momentum_RoomToRun_10%04302022MKLMarkelQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run
-11.2%1.1%-20.9%
MKL_3312020_Dip_Buyer_2_Growing_With_High_FCF_Yield03312020MKLMarkelDip BuyDB | Growth | FCF YieldDip Buy with Growth and High Free Cash Flow Yield
Buying dips for companies with growth, and significant free cash flow yield (FCF / Market Cap)
4.4%22.8%-14.8%

Recent Active Movers

More From Trefis

Peer Comparisons for Markel

Peers to compare with:

Financials

MKLCBWRBACGLAFGTRVMedian
NameMarkel Chubb WR Berkl.Arch Cap.American.Traveler. 
Mkt Price2,182.93313.3270.6496.40138.09293.84215.96
Mkt Cap27.4124.528.135.611.565.831.8
Rev LTM16,14658,90014,64519,0488,22548,40917,597
Op Inc LTM-------
FCF LTM2,37513,3213,3306,2951,4239,9854,812
FCF 3Y Avg2,53513,4093,2546,0081,3278,6824,631
CFO LTM2,59313,3213,3986,3411,4239,9854,869
CFO 3Y Avg2,77013,4093,3306,0571,3278,6824,694

Growth & Margins

MKLCBWRBACGLAFGTRVMedian
NameMarkel Chubb WR Berkl.Arch Cap.American.Traveler. 
Rev Chg LTM-6.6%6.7%11.3%17.5%0.1%6.7%6.7%
Rev Chg 3Y Avg13.2%12.2%10.6%28.9%8.2%10.1%11.4%
Rev Chg Q-2.5%8.2%12.0%11.0%-2.5%4.8%6.5%
QoQ Delta Rev Chg LTM-0.7%2.2%2.8%2.7%-0.7%1.2%1.7%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM16.1%22.6%23.2%33.3%17.3%20.6%21.6%
CFO/Rev 3Y Avg17.1%24.8%25.2%38.6%16.6%19.4%22.1%
FCF/Rev LTM14.7%22.6%22.7%33.0%17.3%20.6%21.6%
FCF/Rev 3Y Avg15.7%24.8%24.7%38.2%16.6%19.4%22.0%

Valuation

MKLCBWRBACGLAFGTRVMedian
NameMarkel Chubb WR Berkl.Arch Cap.American.Traveler. 
Mkt Cap27.4124.528.135.611.565.831.8
P/S1.72.11.91.91.41.41.8
P/EBIT9.49.510.97.610.68.69.4
P/E13.212.914.78.714.411.213.0
P/CFO10.69.38.35.68.16.68.2
Total Yield7.6%9.0%8.6%16.8%13.6%9.7%9.3%
Dividend Yield0.0%1.2%1.8%5.3%6.7%0.7%1.5%
FCF Yield 3Y Avg12.0%12.9%14.5%17.3%12.2%17.2%13.7%
D/E0.20.10.10.10.20.10.1
Net D/E-0.2-0.2-0.9-0.2-0.1-1.4-0.2

Returns

MKLCBWRBACGLAFGTRVMedian
NameMarkel Chubb WR Berkl.Arch Cap.American.Traveler. 
1M Rtn6.7%6.3%-7.4%4.9%1.4%1.4%3.1%
3M Rtn13.2%13.0%-4.1%6.2%-2.4%6.6%6.4%
6M Rtn11.1%11.5%0.1%8.0%15.6%13.6%11.3%
12M Rtn24.4%14.8%23.5%4.0%5.5%23.0%18.9%
3Y Rtn66.9%49.0%57.1%60.0%21.4%64.2%58.5%
1M Excs Rtn3.3%2.9%-10.8%1.5%-2.0%-2.0%-0.2%
3M Excs Rtn9.7%8.0%-8.7%2.7%-6.5%2.6%2.6%
6M Excs Rtn-3.5%-1.7%-13.6%-6.1%1.2%-0.2%-2.6%
12M Excs Rtn9.5%-0.7%6.9%-10.9%-10.4%7.2%3.1%
3Y Excs Rtn-8.4%-27.2%-20.3%-14.1%-55.3%-12.1%-17.2%

Financials

Segment Financials

Assets by Segment
$ Mil20242023202220212020
Investing30,54226,98228,27824,78222,130
Underwriting9,8988,8548,1117,2286,622
Other insurance operations9,086    
Markel Ventures5,5205,3164,9583,6362,551
Other operations 8,6407,1306,0646,172
Total55,04649,79148,47741,71037,474


Price Behavior

Price Behavior
Market Price$2,182.93 
Market Cap ($ Bil)27.4 
First Trading Date03/26/1990 
Distance from 52W High-0.3% 
   50 Days200 Days
DMA Price$2,031.76$1,942.21
DMA Trendupup
Distance from DMA7.4%12.4%
 3M1YR
Volatility19.8%23.9%
Downside Capture-26.2251.20
Upside Capture37.0865.28
Correlation (SPY)4.1%50.2%
MKL Betas & Captures as of 11/30/2025

 1M2M3M6M1Y3Y
Beta0.200.060.140.400.620.56
Up Beta0.100.360.500.760.680.55
Down Beta-0.560.15-0.090.120.630.61
Up Capture90%28%28%37%49%25%
Bmk +ve Days13263974142427
Stock +ve Days12233266128405
Down Capture-1%-32%3%43%64%77%
Bmk -ve Days7162452107323
Stock -ve Days8193159120345

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
 Comparison of MKL With Other Asset Classes (Last 1Y)
 MKLSector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return28.4%18.3%19.2%71.9%8.9%6.0%-10.4%
Annualized Volatility23.8%19.0%19.5%19.3%15.3%17.1%35.0%
Sharpe Ratio0.990.750.782.690.360.18-0.12
Correlation With Other Assets 67.5%50.4%3.7%13.8%54.2%12.9%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
 Comparison of MKL With Other Asset Classes (Last 5Y)
 MKLSector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return16.7%16.3%14.9%18.7%11.7%4.8%32.6%
Annualized Volatility22.8%18.9%17.1%15.5%18.7%18.9%48.7%
Sharpe Ratio0.640.720.700.970.510.170.59
Correlation With Other Assets 61.3%47.5%3.6%12.4%41.3%18.8%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
 Comparison of MKL With Other Asset Classes (Last 10Y)
 MKLSector ETFEquityGoldCommoditiesReal EstateBitcoin
Annualized Return9.4%13.0%14.7%14.9%6.9%5.2%69.2%
Annualized Volatility25.3%22.3%18.0%14.8%17.6%20.8%55.8%
Sharpe Ratio0.380.540.700.830.310.220.90
Correlation With Other Assets 70.3%62.7%0.6%21.4%58.0%15.1%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date12152025
Short Interest: Shares Quantity220,309
Short Interest: % Change Since 113020252.1%
Average Daily Volume46,685
Days-to-Cover Short Interest4.72
Basic Shares Quantity12,562,000
Short % of Basic Shares1.8%

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/29/20256.1%9.4%13.5%
2/5/202510.7%2.1%1.8%
1/31/2024-6.8%-3.5%-0.2%
2/1/2023-7.0%-2.1%-4.1%
2/2/2022-2.4%-2.4%-2.5%
2/2/20214.0%8.9%9.1%
2/4/20205.6%9.5%3.0%
SUMMARY STATS   
# Positive444
# Negative333
Median Positive5.9%9.1%6.0%
Median Negative-6.8%-2.4%-2.5%
Max Positive10.7%9.5%13.5%
Max Negative-7.0%-3.5%-4.1%

SEC Filings

Expand for More
Report DateFiling DateFiling
93020251029202510-Q 9/30/2025
6302025730202510-Q 6/30/2025
3312025430202510-Q 3/31/2025
12312024224202510-K 12/31/2024
93020241030202410-Q 9/30/2024
6302024731202410-Q 6/30/2024
3312024501202410-Q 3/31/2024
12312023223202410-K 12/31/2023
93020231101202310-Q 9/30/2023
6302023802202310-Q 6/30/2023
3312023426202310-Q 3/31/2023
12312022217202310-K 12/31/2022
93020221101202210-Q 9/30/2022
6302022802202210-Q 6/30/2022
3312022426202210-Q 3/31/2022
12312021218202210-K 12/31/2021