| Company Name: | ACE Ltd | | Ticker Symbol: | ACE | | | WWW Address: | www.acelimited.com |
| CEO: | Evan G. Greenberg | | No. of Employees: | 17,000 |
| Common Issue Type: | CS | | Business Description: | ACE Ltd is a Swiss-incorporated holding company and, is an insurance and reinsurance organization. It serves the property and casualty insurance needs of businesses of all sizes.
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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 | | 89.55 |  0.0 | - | - | | 90.57 | 89.23 | 4800 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 30,462.5 | 340.2 | 0.71 | 7.89 | 2.41 | 11.5 | 2.3 | 93.05 - 68.98 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 89.55 | $ | | PE Ratio - LTM | 11.5 | |
| Market Capitalisation | 30,462.5 | mil |
| Latest Shares Outstanding | 340.2 | mil |
| Earnings pS (EPS) | 7.89 | $ |
| Dividend pS (DPS) | 2.41 | ¢ |
| Dividend Yield | 2.3 | % |
| Dividend Payout Ratio | 31 | % |
| Revenue per Employee | 1,055,059 | $ |
| Effective Tax Rate | 9.1 | % |
| Float | 338.9 | mil |
| Float as % of Shares Outstanding | 99.6 | % |
| 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 | 17.8 | % |
| Pre-Tax Profit Margin | 16.4 | % |
| Assets Turnover | 0.2 | % |
| Return on Assets (ROA) | 3.9 | % |
| Return on Equity (ROE) | 13.1 | % |
| Return on Capital Invested (ROCI) | 11.3 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 3.3 | |
| Interest Cover | 16.9 | |
| Total Debt/Equity (Gearing Ratio) | 0.20 | |
| LT Debt/Total Capital | 13.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 82.14 | $ |
| Tangible Book-Value pS | 67.71 | $ |
| Cash Flow pS | 10.76 | $ |
| Free Cash Flow pS | 10.50 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.09 | |
| Price/Tangible Book Ratio | 1.32 | |
| Price/Cash Flow | 8.3 | |
| Price/Free Cash Flow | 8.5 | |
| P/E as % of Industry Group | 58.0 | % |
| P/E as % of Sector Segment | 51.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 02/27/2013 |
| Dividend Ex-Date | 03/25/2013 |
| Dividend Record Date | 03/27/2013 |
| Dividend Pay Date | 04/11/2013 |
| Dividend Amount | 490 |
| Type of Payment | Cash Payment |
| Dividend Rate | 2.04 |
| Current Dividend Yield | 2.3 |
| 5-Y Average Dividend Yield | 2.1 |
| Payout Ratio | 31.0 |
| 5-Y Average Payout Ratio | 20.0 |
|  | | Share price performance previous 3 years |
|
 | | | 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 | - | - | - | -2.3 | 98 | 16,744 | 54,580 |
| 4 Weeks | 93.05 | 88.18 | 88.94 | 0.7 | 96 | 15,353 | 276,350 |
| 13 Weeks | 93.05 | 84.41 | 86.69 | 3.3 | 95 | 13,786 | 854,757 |
| 26 Weeks | 93.05 | 77.58 | 79.80 | 12.2 | 96 | 14,542 | 1,788,619 |
| 52 Weeks | 93.05 | 68.98 | 73.18 | 22.4 | 97 | 14,945 | 3,691,488 |
| YTD | 93.05 | 79.79 | - | 12.2 | 97 | 14,662 | 1,436,878 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 90.87 | 91.45 | 89.77 | 84.88 | 82.20 | 0.71 | 0.79 |
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| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 5.87 | 96.5 | 4.80 |
| Income | 6.41 | 10.9 | -4.70 |
| Dividend | 19.10 | 21.8 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 3.0 | 3.0 | 6.5 |
| Earnings % | 0.0 | 0.0 | 0.0 |
| EPS % | -2.5 | -2.5 | 69.7 |
| EPS $ | -0.07 | -0.07 | 3.24 |
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| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 17.43 |
| Free Cash Flow Margin 5YEAR AVG | 14.63 |
| Cash-Flow pS | 11.76 |
| Free Cash-Flow pS | 9.06 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 3.36 |
| Debt Ratio | 70.25 |
| Total Debt/Equity (Gearing Ratio) | 0.17 |
| LT Debt/Equity | 0.12 |
| LT Debt/Capital Invested | 10.88 |
| LT Debt/Total Liabilities | 5.17 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.48 |
| Tobin's Q Ratio | 0.34 |
| Current P/E Ratio - LTM | 11.50 |
| Enterprise Value (EV)/EBITDA | 0.10 |
| Enterprise Value (EV)/Free Cash Flow | 6.03 |
| Dividend Yield | 2.3 |
| Price/Tangible Book Ratio - LTM | 1.32 |
| Price/Book Ratio - LTM | 1.09 |
| Price/Cash Flow Ratio | 8.3 |
| Price/Free Cash Flow Ratio - LTM | 8.5 |
| P/E Ratio (1 month ago) - LTM | 11.4 |
| P/E Ratio (26 weeks ago) - LTM | 10.2 |
| P/E Ratio (52 weeks ago) - LTM | 10.9 |
| 5-Y High P/E Ratio | 19.3 |
| 5-Y Low P/E Ratio | 4.1 |
| 5-Y Average P/E Ratio | 10.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 107 |
| P/E as % of Industry Group | 58.0 |
| P/E as % of Sector Segment | 51.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 11.5 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 67.71 |
| Book Value pS - LTM | 82.14 |
| Capital Invested pS | 90.81 |
| Cash Flow pS - LTM | 10.76 |
| Free Cash Flow pS - LTM | 10.50 |
| Earnings pS (EPS) | 7.89 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.83 |
| Return on Equity (ROE) - 5YEAR AVRG. | 6.4 |
| Return on Capital Invested (ROCI) | 8.76 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 5.6 |
| Return on Assets (ROA) | 2.92 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.7 |
| EBIT Margin - LTM | 17.8 |
| EBITDA Margin - LTM | 17.8 |
| Pre-Tax Profit Margin | 16.59 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 16.76 |
| Net Profit Margin | 15.09 |
| Net Profit Margin - 5YEAR AVRG. | 13.92 |
| Effective Tax Rate | 9.07 |
| Effective Tax Rate - 5YEAR AVRG. | 17.86 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 1,062,412 |
| Net Income per Employee - LTM | 215,235 |
| Assets/Revenue - LTM | 500.00 |
| Assets/Revenue - 5YEAR AVRG. | 520.18 |
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