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Beazley plc (BZLYF) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Beazley plc $14.83, price $17.27, upside -14.1%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Broad data
Oct 3, 2026
Broad data
Oct 3, 2026
Beazley plc
BZLYF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value $14.83 · Overvalued (−14.1%)
!Quality 54/100
!Mixed Growth (revenue 5y +18.7 %/yr)
✓Solidly profitable · 15.4% net margin (TTM)
✓Low debt · generates free cash flow
✓1.9% dividend yield · Well covered
✓Wide moat 71/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $3.41 – $18.03 · fair‑value band $10.89 – $19.73 · the $17.27 price screens above the $14.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
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.
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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.
Stock analysis
Beazley plc (BZLYF) currently trades at $17.27, while our model-based Fair Value estimate is $14.83, 14.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $13.59 per share, and 1 of the 6 models we run sit above the $17.27 price.
Bear case: the Dividend Discount group reads lowest at $5.52, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $10.89 (bear) to $19.73 (bull), the price of $17.27 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Beazley plc reported revenue of $6.9B in FY2025 versus $3.3B in FY2021, a compound +20.3%/yr. Reported net income was $934M in FY2025, compounding +31.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $14.7B · P/E ratio 11.9 · P/S ratio 1.62 · EPS (TTM) $1.45 · Dividend yield 1.9% · Net margin 13.6% · Return on equity 19.3% · Return on assets (EBIT) 6.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 75% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −14%, BZLYF screens richer than that median.
Fair Value models
Bear $10.89
Fair Value $14.83
Bull $19.73
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8424 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$10.01
$13.59
$24.23
73
Gordon GGM
$3.21
$6.39
$9.67
67
DDM Multi-Stage
$3.21
$5.52
$6.74
67
All 6 models by family
Dividend Discount
Gordon GGM
$3.21
$6.39
$9.67
67
DDM Multi-Stage
$3.21
$5.52
$6.74
67
Multiples
P/E Multiple
$15.40
$20.54
$25.67
63
P/B Multiple
$8.67
$11.56
$14.45
55
Asset-Based
NCAV (Graham)
$4.13
$5.53
$8.26
54
Economic Profit
Residual Income
$10.01
$13.59
$24.23
73
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Set up alert →Quality Score breakdown
Overall quality
54/100
Of which business quality 54 · Market factors (momentum, volatility) 77
Profitability
55
Margins and returns on capital today
Quality Growth
47
Are margins and returns improving?
Cashflow
64
Earnings quality: real cash, not paper profit
Fin. Strength
65
Balance sheet, leverage, solvency risk
Investment
66
Disciplined investing over empire-building
Low Volatility
62
Calm price path (market factor)
Momentum
80
Price trend over the last 3–12 months (market factor)
52W Momentum
91
Distance to the 52-week high (market factor)
Net Issuance
19
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.7%
Start year 2020 (pandemic). Over 10 years: +14.5% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.0%
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+20.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.4%
Dividend (yield on the price)1.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.18.4% vs 8.8%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.0% → 17%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+0.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−1.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −1.7% a year for the price and −4.0% for the forecasts.
Forecast 2026 (sales)−2.4%
Forecast 2027 (sales)−2.4%
Projected 2028 (sales)−1.8%
Projected 2029 (sales)−1.3%
Projected 2030 (sales)−0.7%
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $41.16 | $29.18 | −29% |
| Medibank Private Limited MPL | A$4.53 | A$1.95 | −57% |
| AXIS Capital Holdings AXS | $94.45 | $118.38 | +25% |
| First American Financial Corporation FAF | $64.72 | $52.86 | −18% |
| Enact Holdings ACT | $44.15 | $44.39 | +1% |
| MGIC Investment Corporation MTG | $28.48 | $29.83 | +5% |
| Essent Group ESNT | $63.73 | $70.20 | +10% |
| Radian Group RDN | $33.02 | $40.30 | +22% |
| NMI Holdings NMIH | $40.97 | $47.46 | +16% |
| Assured Guaranty Ltd AGO | $68.97 | $120.05 | +74% |
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Frequently asked questions
Is Beazley plc (BZLYF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $14.83 versus a price of $17.27, about −14% upside (overvalued).
What is the fair value of BZLYF?
Our model-based fair value for Beazley plc is $14.83 (as of Oct 3, 2026), built from audited fundamentals. The current price: $17.27.
What is the quality score of BZLYF?
Beazley plc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Beazley plc (BZLYF)?
Our model-based price target is the fair value of $14.83 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario $10.89, optimistic scenario $19.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Beazley plc stock forecast for 2026?
Our models put fair value at $14.83, about −14% upside versus a price of $17.27 (overvalued). Cautious scenario $10.89, optimistic scenario $19.73. The calculation is refreshed regularly with new filings.
What is the revenue of Beazley plc (BZLYF)?
Beazley plc reported trailing-twelve-month revenue of about $5.9B (latest available figure, as of Oct 3, 2026).
Does Beazley plc pay a dividend?
Beazley plc currently shows a dividend yield of about 1.95% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Beazley plc (BZLYF)?
For today's price to be fair in a discounted-cash-flow model, Beazley plc would have to grow free cash flow by +0.6 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.7 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of BZLYF use?
Our models discount Beazley plc at 8.5 %: a base by market capitalisation (mid), damped by beta 0.30, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Beazley plc that is +0.6 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Beazley plc (BZLYF) delivered so far?
Over the past 5 years revenue at Beazley plc grew +18.7 % a year. The price currently implies +0.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Beazley plc (BZLYF) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Beazley plc (+0.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Beazley plc (BZLYF)?
The free-cash-flow yield on the price is 6.53 %: that much free cash flow Beazley plc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Beazley plc (BZLYF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Beazley plc it is $14.83 per share (as of Oct 3, 2026), against a price of $17.27. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Beazley plc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, BZLYF trades above its calculated fair value: price $17.27, fair value $14.83, a gap of about −14% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BZLYF?
No. The price is what the market pays today ($17.27); the fair value is what the company's own numbers justify ($14.83). For Beazley plc the two are $2.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Beazley plc worth?
The market values Beazley plc at about $14.7B (market capitalisation, as of Oct 3, 2026). Per share that is $17.27; our models calculate a fair value of $14.83 per share.
What do the bullish and bearish scenarios say about BZLYF?
Our models span a range for Beazley plc: cautious scenario $10.89, base $14.83, optimistic $19.73 per share (as of Oct 3, 2026, price $17.27). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is BZLYF from its 52-week high?
Beazley plc trades at $17.27, about 4% below its 52-week high of $18.03 and 75% above the low of $9.85 (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of $14.83 is for.
Which stocks are comparable to Beazley plc?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, Medibank Private Limited, AXIS Capital Holdings, First American Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Beazley plc stock attractive at the current price?
The data as of Oct 3, 2026: price $17.27, calculated fair value $14.83 (−14%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BZLYF calculated?
We run Beazley plc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.83, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Beazley plc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Beazley plc (BZLYF)?
The closing price on Sep 28, 2026 was $17.27. Our model-based fair value is $14.83, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Beazley plc right now?
Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($10.89 to $19.73) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Beazley plc (BZLYF) come from?
Earnings per share at Beazley plc grew +13.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin +7.3 %, tax rate −0.7 %, residual (interest, one-offs) +0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Beazley plc
How large is the market capitalisation of Beazley plc (BZLYF)?
The market capitalisation of Beazley plc is $14.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Beazley plc (BZLYF)?
The price-to-earnings ratio of Beazley plc is 11.9. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Beazley plc (BZLYF)?
The price-to-sales ratio of Beazley plc is 1.62 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Beazley plc (BZLYF)?
Earnings per share at Beazley plc are $1.45 (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Beazley plc (BZLYF)?
The dividend yield of Beazley plc is 1.9% (payout 23.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Beazley plc (BZLYF)?
The net margin of Beazley plc is 13.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Beazley plc (BZLYF)?
The return on equity (ROE) of Beazley plc is 19.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Beazley plc (BZLYF)?
On an EBIT basis the return on assets of Beazley plc is 6.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Beazley plc (BZLYF)?
The operating margin of Beazley plc is 28.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Beazley plc (BZLYF)?
Revenue at Beazley plc is growing +1.1% versus a year earlier (3y avg +19.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Beazley plc (BZLYF)?
Earnings per share at Beazley plc are growing −6.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Beazley plc (BZLYF) hold?
Beazley plc holds more cash than debt, $743M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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