0001095073-21-000033.txt : 20211028 0001095073-21-000033.hdr.sgml : 20211028 20211027174228 ACCESSION NUMBER: 0001095073-21-000033 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20211027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211028 DATE AS OF CHANGE: 20211027 FILER: COMPANY DATA: COMPANY CONFORMED NAME: EVEREST RE GROUP LTD CENTRAL INDEX KEY: 0001095073 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 980365432 STATE OF INCORPORATION: D0 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15731 FILM NUMBER: 211354144 BUSINESS ADDRESS: STREET 1: SEON PLACE, 4TH FLOOR STREET 2: 141 FRONT STREET CITY: HAMILTON STATE: D0 ZIP: HM 19 BUSINESS PHONE: 4412950006 MAIL ADDRESS: STREET 1: C/O REINSURANCE HOLDINGS INC STREET 2: 477 MARTINSVILLE RD PO BOX 830 CITY: LIBERTY CORNER STATE: NJ ZIP: 07938 FORMER COMPANY: FORMER CONFORMED NAME: EVEREST REINSURANCE GROUP LTD DATE OF NAME CHANGE: 19990915 8-K 1 re-20211027.htm 3Q21 EARNINGS RELEASE 8-K re-20211027
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
8-K
Current Report Pursuant to Section 13 OR 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
October 27, 2021
Everest Re Group, Ltd.
(Exact name of registrant as specified in its charter)
Bermuda
1-15731
98-0365432
(State or other jurisdiction
(Commission
(IRS Employer
of incorporation)
File Number)
Identification No.)
Seon Place – 4th Floor
141 Front Street
PO Box HM 845
Hamilton
HM 19
,
Bermuda
Not Applicable
(Address of principal executive offices)
(Zip Code)
Registrant’s telephone number,
 
including area code
441
-
295-0006
Not Applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended
 
to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2.
 
below):
☐
 
Written communications pursuant
 
to Rule 425 under the Securities Act (17 CFR 230.425)
☐
 
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
 
CFR 240.14a-12)
☐
 
Pre-commencement communications pursuant to Rule 14d-2(b) under
 
the Exchange Act (17 CFR 240.14d-2(b))
☐
 
Pre-commencement communications pursuant to Rule 13e-4(c) under
 
the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
 
Class
Trading Symbol(s)
Name of Exchange where registered
Common Shares, $0.01 par value
RE
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth
 
company as defined in Rule 405 of the Securities Act of
1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
 
Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
 
If an emerging growth company,
 
indicate by check mark if the registrant has elected not to use the extended transition period
 
for
complying with any new or revised financial accounting standards provided
 
pursuant to Section 12(a) of the Exchange Act.
 
☐
 
 
 
ITEM 2.02
DISCLOSURE OF RESULTS OF OPERATIONS
 
AND FINANCIAL CONDITION
 
On October
 
27, 2021,
 
the registrant
 
issued a
 
news release
 
announcing its
 
third quarter
 
2021 results.
 
A copy
 
of that
news release is furnished herewith as Exhibit 99.1 and is incorporated herein
 
by reference.
 
The
 
news
 
release
 
furnished
 
herewith
 
contains
 
information
 
regarding
 
the
 
registrant’s
 
operating
 
income
 
(loss).
 
Operating income (loss) differs from net income (loss) attributable to Everest Re Group, the most directly comparable
generally
 
accepted
 
accounting
 
principle
 
financial
 
measure,
 
by
 
the
 
exclusion
 
of
 
realized
 
capital
 
gains
 
(losses)
 
on
investments and net
 
foreign exchange income
 
(expense). Management believes that
 
presentation of operating income
(loss)
 
provides
 
useful
 
information
 
to
 
investors
 
because
 
it
 
more
 
accurately
 
measures
 
and
 
predicts
 
the
 
registrant’s
results
 
of
 
operations
 
by
 
removing
 
the
 
variability
 
arising
 
from
 
both
 
the
 
management
 
of
 
the
 
registrant’s
 
investment
portfolio and the fluctuations of foreign
 
currency exchange rates. In addition, management, analysts and
 
investors use
operating income (loss) to evaluate the financial performance of the
 
registrant and the insurance industry in general.
 
In accordance with general instruction B.2 of Form 8-K, the information in this report, including exhibits, is furnished
pursuant to Item 2.02 and shall not be deemed “filed” for the purposes of Section
 
18 of the Securities Exchange Act of
1934, or otherwise subject to the liability of that section.
 
 
ITEM 9.01
FINANCIAL STATEMENTS
 
AND EXHIBITS
(c)
Exhibits
Exhibit No.
Description
99.1
News Release of the registrant,
dated October 27, 2021
 
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
 
registrant has duly caused this report to be
signed on its behalf by the undersigned hereunto duly authorized.
EVEREST RE GROUP, LTD.
By:
 
/S/ ROBERT FREILING
Robert Freiling
Senior Vice President and
 
Chief Accounting Officer
Dated:
 
October 27, 2021
 
 
 
EXHIBIT INDEX
Exhibit
Number
Description of Document
Page No.
5
104
Cover Page Interactive Data File (embedded
within the Inline XBRL document
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1
N
EWS
R
ELEASE
EVEREST RE GROUP,
 
LTD.
Seon Place, 141 Front Street, 4
th
 
Floor, Hamilton HM 19, Bermuda
Contacts
Media: Dawn Lauer
 
Investors: Jon Levenson
Chief Communications Officer
 
Head of Investor Relations
Everest Global Services, Inc.
 
Everest Global Services, Inc.
908.300.7670
 
908.604.3169
 
 
Everest Re Group Reports Third Quarter 2021 Results
25% Growth in Gross Written Premium with an 87.9% Attritional Combined Ratio
On Track to Achieve Strategic Plan Objectives
HAMILTON,
 
Bermuda --
 
(BUSINESS WIRE)
 
– October
 
27, 2021
 
– Everest Re Group, Ltd. (“Everest”
 
or
the “Company”)
 
today reported its 2021 third quarter results.
Third Quarter 2021 Highlights
●
Gross written premium (“GWP”) growth of 25% year over year to $3.5 billion
●
Insurance
 
segment
 
GWP
 
growth
 
of
 
43%
 
year
 
over
 
year
 
to
 
$1.0
 
billion.
 
The
 
second
 
consecutive
quarter above $1.0 billion GWP
●
Reinsurance segment GWP growth of 19% year over year to $2.5 billion
●
Attritional combined ratio of 87.9%
 
●
Excellent
 
Insurance
 
segment
 
attritional
 
combined
 
ratio
 
of
 
90.3%,
 
a
 
3.9-point
 
improvement
 
year
over year
●
Pre-tax
 
Underwriting
 
loss
 
of
 
$323
 
million
 
inclusive
 
of
 
pre-tax
 
net
 
catastrophe
 
losses
 
of
 
$635
million
●
Robust net investment income of $293 million, led
 
by outstanding alternative asset performance of
$170 million
●
Common share repurchases of $160 million during the quarter
 
and $200 million year to date
●
Annualized year to date Total Shareholder Return of 13.2%
 
 
2
Everest Re Group President & CEO Juan C. Andrade commented on the
 
Company’s results:
“During the third quarter of 2021, Everest made significant progress toward
 
the strategic plan objectives
detailed in the June investor day presentation.
 
We achieved outstanding top line premium growth across
both of our insurance and reinsurance businesses, continued to improve
 
the attritional profitability for our
Insurance Division, remained focused on risk appetite discipline and
 
the diversification of our business,
demonstrated strong expense management, delivered excellent investment
 
income results, opportunistically
reduced our cost of capital, and returned capital to our shareholders.
 
Despite the high frequency and
severity of the natural catastrophe activity in the quarter, we also benefited from the de-risking of the
 
CAT
portfolio and we remain on track to achieve our total shareholder return objective.
 
We continue to
consistently demonstrate our ability to relentlessly execute against
 
our plans regardless of the external
environment.”
Summary of Third Quarter 2021 Net Income and Other Items
 
●
Net income
 
(loss) of
 
$(73.5) million,
 
equal to
 
$(1.88) per
 
share vs.
 
net income
 
of $243.1
 
million,
equal to $6.07 per share in the same period during 2020
●
Net operating income (loss)
 
of $(52.6) million, equal to
 
$(1.34) per share vs.
 
net operating income
of $97.0 million, equal to $2.42 per share in the same period during 2020
●
Underwriting
 
loss
 
of
 
$323.4
 
million
 
inclusive
 
of
 
catastrophe
 
losses
 
from
 
Hurricane
 
Ida
 
and
European
 
Floods
 
during
 
the
 
quarter,
 
in
 
the
 
amount
 
of
 
$635
 
million
 
net
 
of
 
recoveries
 
and
reinstatement premiums ($555 million in reinsurance and $80 million in Insurance)
●
GAAP combined
 
ratio of
 
112.2% which
 
includes 26.2 points
 
of catastrophe
 
losses vs.
 
14.0 points
of catastrophe losses in the same period during 2020
●
No change to Covid-19 Pandemic (“Pandemic”) ultimate loss estimates
 
of $511 million
●
Operating cashflow
 
was $1.2
 
billion vs
 
$1.1 billion
 
a year
 
ago.
 
Year
 
to date
 
operating cashflow
was $2.8 billion vs $2.2 billion a year ago.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3
The following table summarizes the Company’s net income and related financial metrics.
Net income and operating income
Q3
Year to
 
Date
Q3
Year to
 
Date
All values in USD millions except for per share
2021
2021
2020
2020
Everest Re Group
Net income
(73.5)
948.4
243.1
450.5
Net operating income (loss)
(52.6)
794.7
97.0
344.2
Net income per diluted common share
(1.88)
23.72
6.07
11.18
Net operating income per diluted common share
(1.34)
19.87
2.42
8.54
Net income annualized return on average equity
(3.0%)
13.6%
11.0%
6.8%
Net operating income annualized return on average equity
(2.2%)
11.4%
4.4%
5.2%
Period end equity and book value
 
Q3 2021
 
Year to
 
Date
Shareholders' equity
9,978.6
Book value per share
253.40
Change in BVPS adjusted for dividends
6.1%
Total Shareholder Return ("TSR") - Annualized
13.2%
Notes
1/ Refer to the reconciliation of net income to net operating income
 
found on page 7 of this
press release
The following information summarizes the Company’s underwriting results, on a consolidated basis and by
segment – Reinsurance and Insurance, with selected commentary on results by segment.
Underwriting information - Everest Re Group
Q3
Year to Date
Q3
Year to Date
Year on Year
 
All values in USD millions except for percentages
2021
2021
2020
2020
Q3
Year to Date
Gross written premium
3,497.6
9,619.2
2,791.6
7,731.8
25.3%
24.4%
Net written premium
3,025.8
8,389.1
2,448.7
6,667.6
23.6%
25.8%
Loss ratio
85.6%
73.3%
78.7%
72.8%
 
6.9 pts
 
0.5 pts
Commission and brokerage ratio
21.2%
21.2%
20.2%
21.7%
 
1.0 pts
 
(0.5) pts
Other underwriting expenses
5.3%
5.6%
6.3%
6.1%
 
(1.0) pts
 
(0.5) pts
Combined ratio
112.2%
100.1%
105.2%
100.6%
 
7.0 pts
 
(0.5) pts
Attritional combined ratio
87.9%
87.6%
85.8%
88.0%
 
2.1 pts
 
(0.4) pts
Pre-tax net catastrophe losses
635.0
940.0
300.0
345.0
Pre-tax net covid losses
 
-
 
-
124.9
434.9
Pre-tax net prior year reserve development
(1.6)
(6.1)
(1.3)
1.4
Notes
1/ Attritional ratios exclude prior year reserve development, Covid-19
 
pandemic impacts, catastrophe losses, and reinstatement premiums
2/Pre-tax net catastrophe losses are net of reinsurance and
 
reinstatement premiums
Reinsurance segment
●
Reinsurance achieved excellent
 
growth in the
 
quarter, growing
 
premium 19% year
 
over year to
 
$2.5
billion.
 
The growth was driven by continued partnership with our core clients
 
and Everest’s position
as a preferred reinsurance platform.
 
All target classes of business and geographies saw growth in the
 
 
 
 
 
 
 
 
 
 
 
 
 
4
quarter,
 
and
 
our
 
portfolio
 
is
 
benefiting
 
from
 
improved
 
economic
 
conditions
 
and
 
strong
 
rate
performance by our cedants.
●
The attritional combined ratio for the quarter of
 
87.1% reflects the deliberate and targeted
 
shaping of
our
 
portfolio
 
to
 
maximize
 
long
 
term
 
results
 
with
 
a
 
higher
 
mix
 
of
 
pro
 
rata
 
structures,
 
an
 
improved
balance
 
of
 
property
 
and
 
casualty
 
exposures,
 
prudence
 
in
 
loss
 
ratio
 
selections,
 
and
 
continuous
expense
 
discipline.
 
The
 
operating
 
expense
 
ratio
 
of
 
2.3%
 
is
 
world
 
class
 
and
 
demonstrates
 
the
scalability of our franchise.
●
Reinsurance
 
CAT
 
losses
 
for
 
the
 
quarter
 
totaled
 
$555
 
million
 
net
 
of
 
recoveries
 
and
 
reinstatement
premiums,
 
driven
 
by
 
Hurricane
 
Ida
 
and
 
the
 
Berndt
 
flooding
 
event
 
in
 
Europe.
 
The
 
cumulative,
deliberate,
 
and
 
purposeful
 
actions
 
we
 
have
 
taken
 
to
 
reduce
 
volatility
 
have
 
reduced
 
our
 
company’s
risk profile.
Underwriting information - Reinsurance segment
Q3
Year to Date
Q3
Year to Date
Year on Year
All values in USD millions except for percentages
2021
2021
2020
2020
Q3
Year to Date
Gross written premium
2,488.3
6,695.6
2,087.0
5,403.1
19.2%
23.9%
Net written premium
2,293.0
6,265.8
1,936.9
4,974.0
18.4%
26.0%
Loss ratio
89.4%
74.1%
80.0%
72.2%
 
9.4 pts
 
1.9 pts
Commission and brokerage ratio
23.8%
23.8%
22.3%
24.3%
 
1.5 pts
 
(0.5) pts
Other underwriting expenses
2.3%
2.5%
3.1%
2.9%
 
(0.8) pts
 
(0.4) pts
Combined ratio
115.5%
100.5%
105.4%
99.4%
 
10.1 pts
 
1.1 pts
Attritional combined ratio
87.1%
86.3%
83.0%
85.7%
 
4.1 pts
 
0.6 pts
Pre-tax net catastrophe losses
555.0
802.5
262.5
287.0
Pre-tax net covid losses
 
-
 
-
109.9
351.0
Pre-tax net prior year reserve development
(1.6)
(4.9)
(1.3)
(3.1)
Notes
1/ Attritional ratios exclude prior year reserve development, Covid-19
 
pandemic impacts, catastrophe losses, and reinstatement premiums
2/Pre-tax net catastrophe losses are net of reinsurance and
 
reinstatement premiums
Insurance segment
 
●
Everest
 
Insurance
 
reported
 
another
 
outstanding
 
premium
 
quarter
 
with
 
record
 
quarterly
 
growth
 
of
43%
 
driving
 
over
 
$1.0
 
billion
 
in
 
gross
 
written
 
premium
 
for
 
a
 
second
 
consecutive
 
quarter.
 
The
exceptional growth
 
in Q3
 
was driven
 
by increasingly
 
favorable economic
 
conditions,
 
new business
growth,
 
and
 
the
 
combined
 
impact
 
of
 
strong
 
renewal
 
retention
 
and
 
a
 
continuing
 
favorable
 
rate
environment.
●
The Insurance segment
 
also continues
 
to expand
 
attritional underwriting
 
margins with
 
improvement
in the loss and expense ratio and delivered a record-setting attritional combined ratio of 90.3%.
●
These results reflect
 
our relentless focus
 
on execution
 
and the success
 
of our
 
nimble and disciplined
underwriting,
 
which
 
reacts
 
quickly
 
to
 
market
 
conditions
 
and
 
best
 
positions
 
our
 
portfolio
 
for
 
long
term profitability.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5
Underwriting information - Insurance segment
Q3
Year to Date
Q3
Year to Date
Year on Year
All values in USD millions except for percentages
2021
2021
2020
2020
Q3
Year to Date
Gross written premium
1,009.3
2,923.6
704.6
2,328.7
43.2%
25.5%
Net written premium
732.8
2,123.3
511.8
1,693.6
43.2%
25.4%
Loss ratio
74.7%
70.8%
74.8%
74.6%
 
(0.1) pts
 
(3.8) pts
Commission and brokerage ratio
13.7%
13.4%
13.4%
14.0%
 
0.3 pts
 
(0.6) pts
Other underwriting expenses
14.1%
14.5%
16.3%
15.4%
 
(2.2) pts
 
(0.9) pts
Combined ratio
102.5%
98.7%
104.5%
104.0%
 
(2.0) pts
 
(5.3) pts
Attritional combined ratio
90.3%
91.5%
94.2%
94.3%
 
(3.9) pts
 
(2.8) pts
Pre-tax net catastrophe losses
80.0
137.5
37.5
58.0
Pre-tax net covid losses
 
-
 
-
15.0
84.0
Pre-tax net prior year reserve development
 
-
(1.2)
 
-
4.6
Notes
1/ Attritional ratios exclude prior year reserve development, Covid-19
 
pandemic impacts, catastrophe losses, and reinstatement premiums
2/Pre-tax net catastrophe losses are net of reinsurance and
 
reinstatement premiums
Investments and Shareholders’ Equity
●
Total
 
invested assets
 
and cash of
 
$27.8 billion
 
at September 30,
 
2021, 9.0%
 
growth versus year
 
end
2020
●
Shareholders’ equity of $10.0 billion as of September 30, 2021
●
Book value per diluted share of $253.40 at September 30, 2021 vs. $243.25 at December 31, 2020
●
Excluding
 
unrealized
 
gains
 
(losses)
 
on
 
fixed
 
income
 
investments,
 
book
 
value
 
per
 
diluted
 
share
 
of
$242.83 at September 30, 2021, vs. $225.15 at December 31, 2020
●
Common share dividends declared and paid in the quarter of $1.55 per share, equal to $61.5 million
 
●
Common
 
share
 
repurchases
 
of
 
$160
 
million
 
during
 
the
 
quarter,
 
representing
 
625,358
 
shares
 
at
 
an
average price of $255.43 per share
Equity and Book Value per Share
Q3
Year to
 
Date
Q3
Year to
 
Date
All values in USD millions except for per share
2021
2021
2020
2020
Beginning shareholders' equity
10,416.8
9,726.2
9,286.3
9,132.9
Net income
(73.5)
948.4
243.1
450.5
Change- unrealized gains (losses) - Fixed inc. investments
(101.4)
(307.9)
52.0
348.5
Dividends to shareholders
(61.5)
(185.7)
(61.9)
(187.1)
Purchase of treasury shares
(159.7)
(200.1)
-
(200.0)
Other
(42.1)
(2.3)
71.8
46.5
Ending shareholders' equity
9,978.6
9,978.6
9,591.3
9,591.3
Common shares outstanding
39.38
39.97
Book value per common share outstanding
253.40
239.98
Less: Unrealized on fixed inc. investments ("URAD")
10.57
16.34
Book value excl. URAD per common share outstanding
242.83
223.64
Common share dividends paid - last 12 months
6.20
6.20
 
 
 
 
6
This
 
news
 
release
 
contains
 
forward-looking
 
statements
 
within
 
the
 
meaning
 
of
 
the
 
U.S.
 
federal
 
securities
laws. We
 
intend these
 
forward-looking
 
statements to
 
be covered
 
by the
 
safe harbor
 
provisions
 
for forward-
looking statements in
 
the U.S. Federal securities
 
laws. These statements involve
 
risks and uncertainties
 
that
could cause actual
 
results
 
to differ
 
materially from
 
those contained
 
in forward
 
-looking statements
 
made on
behalf of the Company. These risks and uncertainties include the impact of general economic conditions and
conditions
 
affecting
 
the
 
insurance
 
and
 
reinsurance
 
industry,
 
the
 
adequacy
 
of
 
our
 
reserves,
 
our
 
ability
 
to
assess underwriting
 
risk, trends
 
in rates
 
for property
 
and casualty
 
insurance and
 
reinsurance, competition,
investment
 
market
 
and
 
investment
 
income
 
fluctuations,
 
trends
 
in
 
insured
 
and
 
paid
 
losses,
 
catastrophes,
pandemic,
 
regulatory
 
and
 
legal
 
uncertainties
 
and
 
other
 
factors
 
described
 
in
 
our
 
latest
 
Annual
 
Report
 
on
Form
 
10-K.
 
The
 
Company
 
undertakes
 
no
 
obligation
 
to
 
publicly
 
update
 
or
 
revise
 
any
 
forward-looking
statements, whether as a result of new information, future events or otherwise.
About Everest Re Group, Ltd.
Everest Re Group, Ltd.
 
(“Everest”) is a leading
 
global provider of reinsurance
 
and insurance, operating for
close
 
to
 
50
 
years
 
through
 
subsidiaries
 
in
 
the
 
U.S.,
 
Europe,
 
Singapore,
 
Canada,
 
Bermuda,
 
and
 
other
territories.
Everest offers
 
property,
 
casualty,
 
and specialty
 
products through
 
its various
 
operating affiliates
 
located in
key markets around the world.
Everest common stock (NYSE:RE) is a component of the S&P 500 index.
Additional
 
information
 
about
 
Everest,
 
our
 
people,
 
and
 
our
 
products
 
can
 
be
 
found
 
on
 
our
 
website
 
at
www.everestre.com
. All issuing companies may not do business in all jurisdictions.
A
 
conference call discussing the third
 
quarter results will be
 
held at
 
8:00 a.m.
 
Eastern Time
 
on October 28,
2021.
 
The call
 
will be
 
available
 
on the Internet
 
through
 
the Company’s
 
web site
 
at everestre.com/investors.
Recipients are encouraged to visit the Company’s web site to
 
view supplemental financial
 
information on the
Company’s
 
results.
 
The
 
supplemental
 
information
 
is
 
located
 
at
www.everestre.com
 
in
 
the
“Investors/Financials/Quarterly
 
Results” section of the
 
website.
 
The supplemental financial information
 
may
also be
 
obtained
 
by contacting
 
the Company
 
directly.
 
_______________________________________________
The Company
 
generally uses
 
after-tax operating
 
income (loss),
 
a non-GAAP
 
financial measure, to
 
evaluate
its
 
performance.
 
After-tax
 
operating
 
income
 
(loss)
 
consists
 
of
 
net
 
income
 
(loss)
 
excluding
 
after-tax
 
net
realized
 
capital
 
gains
 
(losses)
 
and
 
after-tax
 
net
 
foreign
 
exchange
 
income
 
(expense)
 
as
 
the
 
following
reconciliation displays:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7
Three Months Ended September 30,
Nine Months Ended September 30,
(Dollars in thousands, except per share amounts)
2021
2020
2021
2020
(unaudited)
(unaudited)
Per Diluted
Per Diluted
Per Diluted
Per Diluted
Amount
Share
Amount
Share
Amount
Share
Amount
Share
Net income (loss)
($73,468)
($1.88)
$243,057
$6.07
$948,376
$23.72
$450,549
$11.18
After-tax net realized capital gains (losses)
($2,591)
($0.07)
$88,911
$2.22
$111,196
$2.78
$67,067
$1.66
After-tax net foreign exchange income (expense)
($18,314)
($0.47)
$57,157
$1.43
$42,526
$1.06
$39,233
$0.97
After-tax operating income (loss)
($52,563)
($1.34)
$96,989
$2.42
$794,654
$19.87
$344,249
$8.54
(Some amounts may not reconcile due to rounding.)
Although net
 
realized capital
 
gains (losses)
 
and net
 
foreign exchange
 
income (expense)
 
are an
 
integral part
of the
 
Company’s
 
insurance operations,
 
the determination
 
of net
 
realized capital
 
gains (losses)
 
and foreign
exchange income
 
(expense) is
 
independent
 
of the
 
insurance underwriting
 
process.
 
The
 
Company
 
believes
that
 
the
 
level
 
of
 
net
 
realized
 
capital
 
gains
 
(losses)
 
and
 
net
 
foreign
 
exchange
 
income
 
(expense)
 
for
 
any
particular
 
period
 
is
 
not
 
indicative
 
of
 
the
 
performance
 
of
 
the
 
underlying
 
business
 
in
 
that
 
particular
 
period.
 
Providing only
 
a GAAP
 
presentation of
 
net income
 
(loss) makes
 
it more
 
difficult for
 
users of
 
the financial
information to
 
evaluate the
 
Company’s
 
success or
 
failure in
 
its basic
 
business and
 
may lead
 
to incorrect
 
or
misleading assumptions and conclusions.
 
The Company understands that the equity analysts who follow the
Company focus on
 
after-tax operating
 
income (loss)
 
in their
 
analyses for
 
the reasons discussed
 
above.
 
The
Company
 
provides
 
after-tax
 
operating
 
income
 
(loss)
 
to
 
investors
 
so
 
that
 
they
 
have
 
what
 
management
believes to be a useful supplement to GAAP information concerning the Company’s performance.
 
--Financial
 
Details
 
Follow--
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8
EVEREST RE GROUP, LTD.
CONSOLIDATED STATEMENTS
 
OF OPERATIONS
AND COMPREHENSIVE INCOME (LOSS)
Three Months Ended
 
Nine Months Ended
 
September 30,
September 30,
(Dollars in thousands, except per share amounts)
2021
2020
2021
2020
(unaudited)
(unaudited)
REVENUES:
Premiums earned
 
$2,656,403
$2,205,811
$7,602,640
$6,285,030
Net investment income
292,759
234,233
960,267
420,116
Net realized capital gains (losses):
Credit allowances on fixed maturity securities
(7,329)
6,196
(30,234)
(19,641)
Other net realized capital gains (losses)
3,107
104,007
169,023
103,904
Total net realized capital gains (losses)
(4,222)
110,203
138,789
84,263
Other income (expense)
(19,517)
59,937
44,190
47,306
Total revenues
2,925,423
2,610,184
8,745,886
6,836,715
CLAIMS AND EXPENSES:
Incurred losses and loss adjustment expenses
 
$2,274,301
$1,736,210
$5,571,861
$4,574,066
Commission, brokerage, taxes and fees
564,335
445,332
1,611,095
1,360,170
Other underwriting expenses
 
141,150
138,875
424,225
385,865
Corporate expenses
17,817
10,618
46,363
29,184
Interest, fees and bond issue cost amortization expense
15,539
6,641
46,785
21,477
Total claims and expenses
3,013,142
2,337,676
7,700,329
6,370,762
INCOME (LOSS) BEFORE TAXES
(87,719)
272,508
1,045,557
465,953
Income tax expense (benefit)
(14,251)
29,451
97,181
15,404
NET INCOME (LOSS)
$(73,468)
$243,057
$948,376
$450,549
Other comprehensive income (loss), net of tax:
Unrealized appreciation (depreciation) ("URA(D)")
 
on securities arising
during the period
(100,021)
63,480
(304,465)
335,835
Reclassification adjustment for realized losses (gains) included
 
in net
income (loss)
(1,388)
(11,453)
(3,464)
12,689
Total URA(D) on securities arising during the period
(101,409)
52,027
(307,929)
348,524
Foreign currency translation adjustments
(53,599)
60,628
(28,886)
30,390
Reclassification adjustment for amortization of net (gain)
 
loss included in
net income (loss)
1,563
1,806
5,649
4,532
Total benefit plan net gain (loss) for the period
1,563
1,806
5,649
4,532
Total other comprehensive income (loss), net of tax
(153,445)
114,461
(331,166)
383,446
COMPREHENSIVE INCOME (LOSS)
$(226,913)
$357,518
$617,210
$833,995
EARNINGS PER COMMON SHARE:
Basic
$(1.88)
$6.08
$23.74
$11.20
Diluted
(1.88)
6.07
23.72
11.18
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
9
EVEREST RE GROUP, LTD.
CONSOLIDATED BALANCE SHEETS
September 30,
December 31,
(Dollars and share amounts in thousands, except par value
 
per share)
2021
 
2020
 
(unaudited)
ASSETS:
Fixed maturities - available for sale, at market value
 
 
(amortized cost: 2021, $21,182,756;
 
2020, $19,225,067, credit allowances: 2021, ($31,980);
 
2020,
($1,745))
$21,623,119
$20,040,173
Equity securities, at fair value
1,523,595
1,472,236
Short-term investments (cost: 2021, $713,144; 2020, $1,135,088)
713,144
1,134,950
Other invested assets
2,855,372
2,012,581
Cash
1,068,441
801,651
Total investments and cash
27,783,671
25,461,591
Accrued investment income
170,364
141,304
Premiums receivable
3,408,338
2,680,562
Reinsurance recoverables
2,215,380
1,994,555
Funds held by reinsureds
811,269
716,655
Deferred acquisition costs
797,735
622,053
Prepaid reinsurance premiums
552,468
412,015
Income taxes net recoverable
-
17,253
Other assets
866,872
742,369
TOTAL ASSETS
$36,606,097
$32,788,357
LIABILITIES:
Reserve for losses and loss adjustment expenses
18,956,953
16,398,997
Future policy benefit reserve
36,533
37,723
Unearned premium reserve
4,421,098
3,501,359
Funds held under reinsurance treaties
18,279
15,807
Other net payable to reinsurers
485,682
294,347
Losses in course of payment
150,784
127,971
Senior notes due 6/1/2044
397,284
397,194
Senior notes due 10/1/2050
979,915
979,524
Long term notes due 5/1/2067
223,749
223,674
Borrowings from FHLB
310,000
310,000
Accrued interest on debt and borrowings
23,267
10,460
Unsettled securities payable
83,626
206,693
Income taxes net payable
4,074
-
Other liabilities
536,218
558,432
Total liabilities
26,627,462
23,062,181
SHAREHOLDERS' EQUITY:
Preferred shares, par value: $0.01; 50,000 shares authorized;
no shares issued and outstanding
-
-
Common shares, par value: $0.01; 200,000 shares authorized; (2021)
 
69,806
and (2020) 69,620 outstanding before treasury shares
698
696
Additional paid-in capital
2,266,342
2,245,301
Accumulated other comprehensive income (loss), net of deferred
 
income tax expense
(benefit) of $44,338 at 2021 and $80,451 at 2020
203,733
534,899
Treasury shares, at cost; 30,427 shares (2021) and 29,636 shares (2020)
(3,822,235)
(3,622,172)
Retained earnings
11,330,097
10,567,452
Total shareholders' equity
 
9,978,635
9,726,176
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY
$36,606,097
$32,788,357
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
10
EVEREST RE GROUP, LTD.
CONSOLIDATED STATEMENTS
 
OF CASH FLOWS
 
Nine Months Ended
 
September 30,
(Dollars in thousands)
2021
2020
(unaudited)
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)
$948,376
$450,549
Adjustments to reconcile net income to net cash provided
 
by operating activities:
Decrease (increase) in premiums receivable
(736,614)
(357,162)
Decrease (increase) in funds held by reinsureds, net
(92,512)
(53,878)
Decrease (increase) in reinsurance recoverables
(230,593)
(172,454)
Decrease (increase) in income taxes
57,270
184,311
Decrease (increase) in prepaid reinsurance premiums
(146,639)
(7,963)
Increase (decrease) in reserve for losses and loss adjustment
 
expenses
2,576,049
1,665,982
Increase (decrease) in future policy benefit reserve
(1,189)
(2,218)
Increase (decrease) in unearned premiums
927,524
392,904
Increase (decrease) in other net payable to reinsurers
198,954
68,784
Increase (decrease) in losses in course of payment
23,661
132,208
Change in equity adjustments in limited partnerships
(543,401)
(12,475)
Distribution of limited partnership income
105,571
55,576
Change in other assets and liabilities, net
(247,615)
(131,224)
Non-cash compensation expense
 
33,199
29,337
Amortization of bond premium (accrual of bond discount)
57,289
32,594
Net realized capital (gains) losses
 
(138,789)
(84,263)
Net cash provided by (used in) operating activities
2,790,541
2,190,608
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from fixed maturities matured/called - available for sale,
 
at market value
2,756,963
1,781,821
Proceeds from fixed maturities sold - available for sale,
 
at market value
883,149
1,390,747
Proceeds from fixed maturities sold - available for sale,
 
at fair value
-
2,054
Proceeds from equity securities sold, at fair value
578,894
329,750
Distributions from other invested assets
216,573
210,527
Cost of fixed maturities acquired - available for sale, at market
 
value
(5,670,636)
(3,874,890)
Cost of equity securities acquired, at fair value
(507,862)
(460,953)
Cost of other invested assets acquired
(604,180)
(392,650)
Net change in short-term investments
422,643
(804,744)
Net change in unsettled securities transactions
(177,259)
89,064
Net cash provided by (used in) investing activities
(2,101,715)
(1,729,274)
CASH FLOWS FROM FINANCING ACTIVITIES:
Common shares issued during the period for share-based
 
compensation, net of expense
(12,156)
(13,617)
Purchase of treasury shares
(200,064)
(200,020)
Dividends paid to shareholders
(185,731)
(187,110)
Cost of debt repurchase
-
(10,647)
FHLB borrowings (repayments)
-
90,000
Cost of shares withheld on settlements of share-based compensation
 
awards
(15,133)
(15,298)
Net cash provided by (used in) financing activities
(413,084)
(336,691)
EFFECT OF EXCHANGE RATE CHANGES ON CASH
(8,952)
6,203
Net increase (decrease) in cash
266,790
130,845
Cash, beginning of period
801,651
808,036
Cash, end of period
$1,068,441
$938,881
SUPPLEMENTAL CASH FLOW INFORMATION:
Income taxes paid (recovered)
$39,767
$(169,149)
Interest paid
 
33,422
16,731
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Document And Entity Information
Oct. 27, 2021
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 27, 2021
Entity File Number 1-15731
Entity Registrant Name Everest Re Group, Ltd.
Entity Central Index Key 0001095073
Entity Incorporation State Country Code D0
Entity Tax Identification Number 98-0365432
Entity Address Address Line 1 Seon Place – 4th Floor
Entity Address Address Line 2 141 Front Street
Entity Address Address Line 3 PO Box HM 845
Entity Address City Or Town Hamilton
Entity Address Postal Zip Code HM 19
Entity Address Country BM
City Area Code 441
Local Phone Number 295-0006
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Security 12b Title Common Shares, $0.01 par value
Trading Symbol RE
Security Exchange Name NYSE

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