Beazley plc (BZLEY) Fair Value & Analysis

Financial Services · US · Market cap $9.7B

A solid business, screening 79% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($46.36). The market is more pessimistic than our downside scenario.
• Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (2 years)

White line = price, green steps = our fair value per fiscal year. As of Jul 26, 2026.

How to read this chart

29‑month range $15.38 – $36.88 · fair‑value band $46.36 – $77.27 · the $34.50 price screens below the $61.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Jul 26, 2026.

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Analysis

Beazley plc (BZLEY) currently trades at $34.50, while our model-based Fair Value estimate is $61.82, implying the stock looks roughly 79.2% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Beazley plc generated revenue of $5.9B at a net margin of 15.4%. Revenue grew 1.1% year over year. It earns a return on equity of 19.3%. The stock trades on a trailing P/E of 11.3. Fundamentals as of Jul 26, 2026

Our scenario range runs from $46.36 (bear case) to $77.27 (bull case); at $34.50, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 68% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 79%, BZLEY screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($49.45) versus Asset-Based ($11.04). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Beazley plc, through its subsidiaries, provides risk insurance and reinsurance solutions in the United States, the United Kingdom, and rest of Europe. The company operates through Cyber Risks, Digital, MAP Risks, Property Risks, and Specialty Risks segments. The Cyber Risks segment underwrites cyber and technology risks.

Full company description

Beazley plc, through its subsidiaries, provides risk insurance and reinsurance solutions in the United States, the United Kingdom, and rest of Europe. The company operates through Cyber Risks, Digital, MAP Risks, Property Risks, and Specialty Risks segments. The Cyber Risks segment underwrites cyber and technology risks. The Digital segment underwrites various marine, contingency, and SME liability risks through digital channels, such as e-trading platforms and broker portals. The MAP Risks segment underwrites marine, portfolio underwriting and political, and contingency business. The Property Risks segment underwrites first-party property risks and reinsurance business. The Specialty Risks segment underwrites liability classes, including employment practices risks, and directors and officers, as well as healthcare, lawyers, and international financial institutions. It also underwrites life, health, and personal accident; and jewelry, fine art, and specie products risk insurance. Beazley plc was founded in 1986 and is based in London, the United Kingdom.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Beazley plc reported revenue of $1.1B in FY2025 versus $3.3B in FY2021, a compound −24.7%/yr. Reported net income was $913M in FY2025, compounding +31.2%/yr from FY2021.

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Peer Group

Insurance - Specialty · 32 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Insurance - Specialty median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.