| Company Name: | ACE Limited Namen-Akt. | | Ticker Symbol: | ACE | | | WWW Address: | www.acelimited.com | | CEO: | Evan G. Greenberg | | No. of Employees: | 15,000 | | Common Issue Type: | CS | | Business Description: | The Company, through its subsidiaries, provides a range of insurance and reinsurance products to insureds worldwide.
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| | | Industry Information: | INSURANCE - Property & Casualty Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 49.73 |  -0.55 | 44.4 | 51.98 | 49.97 | 50.11 | 49.56 | 2997863 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 16,729.2 | 336.4 | 0.77 | 3.53 | 1.10 | 10.4 | 2.2 | 55.64 - 30.92 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 49.73 | $ | | PE Ratio - LTM | 10.4 | |
| Market Capitalisation | 16,730.1 | mil |
| Latest Shares Outstanding | 336.4 | mil |
| Earnings pS (EPS) | 3.53 | $ |
| Dividend pS (DPS) | 1.10 | ¢ |
| Dividend Yield | 2.2 | % |
| Dividend Payout Ratio | 31 | % |
| Revenue per Employee | 911,400 | $ |
| Effective Tax Rate | 23.6 | % |
| Float | 335.0 | mil |
| Float as % of Shares Outstanding | 99.7 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 16.1 | % |
| Pre-Tax Profit Margin | 14.5 | % |
| Assets Turnover | 0.2 | % |
| Return on Assets (ROA) | 2.1 | % |
| Return on Equity (ROE) | 8.6 | % |
| Return on Capital Invested (ROCI) | 7.3 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 4.2 | |
| Interest Cover | 10.1 | |
| Total Debt/Equity (Gearing Ratio) | 0.19 | |
| LT Debt/Total Capital | 15.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 55.68 | $ |
| Tangible Book-Value pS | 44.47 | $ |
| Cash Flow pS | 4.80 | $ |
| Free Cash Flow pS | 8.69 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.89 | |
| Price/Tangible Book Ratio | 1.12 | |
| Price/Cash Flow | 10.4 | |
| Price/Free Cash Flow | 5.7 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 10.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 01/07/2009 |
| Dividend Ex-Date | 01/05/2009 |
| Dividend Record Date | 12/16/2008 |
| Dividend Pay Date | 01/11/2009 |
| Dividend Amount | 270 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.08 |
| Current Dividend Yield | 2.2 |
| 5-Y Average Dividend Yield | 1.8 |
| Payout Ratio | 31.0 |
| 5-Y Average Payout Ratio | 21.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -3.4 | 97 | 19,508 | 123,576 |
| 4 Weeks | 54.84 | 49.56 | 54.38 | -8.6 | 90 | 18,906 | 378,112 |
| 13 Weeks | 55.64 | 49.10 | 50.52 | -1.6 | 93 | 16,942 | 1,084,289 |
| 26 Weeks | 55.64 | 40.00 | 43.94 | 13.2 | 92 | 17,717 | 2,250,032 |
| 52 Weeks | 55.64 | 30.92 | 45.85 | 8.5 | 80 | 24,634 | 6,183,180 |
| YTD | 55.64 | 30.92 | - | -6.0 | 78 | 24,510 | 5,514,674 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 50.71 | 51.41 | 52.49 | 48.48 | 46.28 | 0.77 | 0.76 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 2.44 | 77.0 | 1.22 |
| Income | 4.15 | 4.9 | -14.28 |
| Dividend | -0.86 | 0.5 | -11.24 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 3.88 | NA | -14.70 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 2.6 | 1.7 | -3.4 |
| Earnings % | 35.6 | 814.8 | -53.6 |
| EPS % | 36.7 | 812.5 | -53.9 |
| EPS $ | 1.27 | 1.30 | -4.13 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 8.88 |
| Free Cash Flow Margin 5YEAR AVG | 27.54 |
| Cash-Flow pS | 12.48 |
| Free Cash-Flow pS | 3.58 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 4.99 |
| Debt Ratio | 79.95 |
| Total Debt/Equity (Gearing Ratio) | 0.23 |
| LT Debt/Equity | 0.19 |
| LT Debt/Capital Invested | 16.26 |
| LT Debt/Total Liabilities | 4.87 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.53 |
| Tobin's Q Ratio | 0.23 |
| Current P/E Ratio - LTM | 10.40 |
| Enterprise Value (EV)/EBITDA | 0.07 |
| Enterprise Value (EV)/Free Cash Flow | 2.51 |
| Dividend Yield | 2.2 |
| Price/Tangible Book Ratio - LTM | 1.12 |
| Price/Book Ratio - LTM | 0.89 |
| Price/Cash Flow Ratio | 10.4 |
| Price/Free Cash Flow Ratio - LTM | 5.7 |
| P/E Ratio (1 month ago) - LTM | 11.4 |
| P/E Ratio (26 weeks ago) - LTM | 10.7 |
| P/E Ratio (52 weeks ago) - LTM | 8.9 |
| 5-Y High P/E Ratio | 19.3 |
| 5-Y Low P/E Ratio | 6.9 |
| 5-Y Average P/E Ratio | 11.8 |
| Current P/E Ratio as % of 5-Y Average P/E | 88 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 10.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 10.4 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 44.47 |
| Book Value pS - LTM | 55.68 |
| Capital Invested pS | 51.28 |
| Cash Flow pS - LTM | 4.80 |
| Free Cash Flow pS - LTM | 8.69 |
| Earnings pS (EPS) | 3.53 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 8.29 |
| Return on Equity (ROE) - 5YEAR AVRG. | 12.3 |
| Return on Capital Invested (ROCI) | 6.94 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 10.7 |
| Return on Assets (ROA) | 1.66 |
| Return on Assets (ROA) - 5YEAR AVRG. | 2.5 |
| EBIT Margin - LTM | 16.1 |
| EBITDA Margin - LTM | 16.1 |
| Pre-Tax Profit Margin | 11.46 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 15.25 |
| Net Profit Margin | 8.76 |
| Net Profit Margin - 5YEAR AVRG. | 12.26 |
| Effective Tax Rate | 23.61 |
| Effective Tax Rate - 5YEAR AVRG. | 20.16 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 929,667 |
| Net Income per Employee - LTM | 107,733 |
| Assets/Revenue - LTM | 500.00 |
| Assets/Revenue - 5YEAR AVRG. | 494.33 |
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