Insurance - Property & Casualty
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L vs JEF
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Capital Markets
L vs JEF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Property & Casualty | Financial - Capital Markets |
| Market Cap | $21.67B | $10.68B |
| Revenue (TTM) | $18.29B | $10.82B |
| Net Income (TTM) | $1.87B | $819M |
| Gross Margin | 46.1% | 59.7% |
| Operating Margin | 12.6% | 6.3% |
| Forward P/E | 13.2x | 14.8x |
| Total Debt | $9.49B | $1.77B |
| Cash & Equiv. | $495M | $14.04B |
L vs JEF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Loews Corporation (L) | 100 | 316.8 | +216.8% |
| Jefferies Financial… (JEF) | 100 | 369.6 | +269.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: L vs JEF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
L carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 5.4%, EPS growth 24.3%, 3Y rev CAGR 9.0%
- Lower volatility, beta 0.31, Low D/E 48.3%, current ratio 0.48x
- 5.4% revenue growth vs JEF's 2.9%
JEF is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 9 yrs, beta 1.97, yield 3.2%
- 296.2% 10Y total return vs L's 171.8%
- Beta 1.97, yield 3.2%, current ratio 7.95x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 5.4% revenue growth vs JEF's 2.9% | |
| Value | Lower P/E (13.2x vs 14.8x) | |
| Quality / Margins | 10.2% margin vs JEF's 6.6% | |
| Stability / Safety | Beta 0.31 vs JEF's 1.97 | |
| Dividends | 3.2% yield, 9-year raise streak, vs L's 0.2% | |
| Momentum (1Y) | +21.6% vs JEF's +10.7% | |
| Efficiency (ROA) | 2.2% ROA vs JEF's 1.1%, ROIC 6.2% vs 2.4% |
L vs JEF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
L vs JEF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
L leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
L is the larger business by revenue, generating $18.3B annually — 1.7x JEF's $10.8B. Profitability is closely matched — net margins range from 10.2% (L) to 6.6% (JEF).
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $18.3B | $10.8B |
| EBITDAEarnings before interest/tax | $2.6B | $24M |
| Net IncomeAfter-tax profit | $1.9B | $819M |
| Free Cash FlowCash after capex | $2.2B | $911M |
| Gross MarginGross profit ÷ Revenue | +46.1% | +59.7% |
| Operating MarginEBIT ÷ Revenue | +12.6% | +6.3% |
| Net MarginNet income ÷ Revenue | +10.2% | +6.6% |
| FCF MarginFCF ÷ Revenue | +11.9% | +3.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +2.6% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.3% | -8.6% |
Valuation Metrics
JEF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 13.2x trailing earnings, L trades at a 28% valuation discount to JEF's 18.3x P/E.
| Metric | ||
|---|---|---|
| Market CapShares × price | $21.7B | $10.7B |
| Enterprise ValueMkt cap + debt − cash | $30.7B | -$1.6B |
| Trailing P/EPrice ÷ TTM EPS | 13.21x | 18.29x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 14.83x |
| PEG RatioP/E ÷ EPS growth rate | — | 13.82x |
| EV / EBITDAEnterprise value multiple | 10.60x | -1.82x |
| Price / SalesMarket cap ÷ Revenue | 1.19x | 0.99x |
| Price / BookPrice ÷ Book value/share | 1.12x | 1.08x |
| Price / FCFMarket cap ÷ FCF | 8.02x | 32.05x |
Profitability & Efficiency
L leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
L delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for JEF. JEF carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to L's 0.48x. On the Piotroski fundamental quality scale (0–9), L scores 7/9 vs JEF's 6/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +9.7% | +7.7% |
| ROA (TTM)Return on assets | +2.2% | +1.1% |
| ROICReturn on invested capital | +6.2% | +2.4% |
| ROCEReturn on capital employed | +5.0% | +1.1% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.48x | 0.17x |
| Net DebtTotal debt minus cash | $9.0B | -$12.3B |
| Cash & Equiv.Liquid assets | $495M | $14.0B |
| Total DebtShort + long-term debt | $9.5B | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 5.93x | 0.05x |
Total Returns (Dividends Reinvested)
Evenly matched — L and JEF each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in L five years ago would be worth $18,312 today (with dividends reinvested), compared to $18,072 for JEF. Over the past 12 months, L leads with a +21.6% total return vs JEF's +10.7%. The 3-year compound annual growth rate (CAGR) favors JEF at 22.8% vs L's 21.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +0.7% | -17.8% |
| 1-Year ReturnPast 12 months | +21.6% | +10.7% |
| 3-Year ReturnCumulative with dividends | +80.3% | +85.1% |
| 5-Year ReturnCumulative with dividends | +83.1% | +80.7% |
| 10-Year ReturnCumulative with dividends | +171.8% | +296.2% |
| CAGR (3Y)Annualised 3-year return | +21.7% | +22.8% |
Risk & Volatility
L leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
L is the less volatile stock with a 0.31 beta — it tends to amplify market swings less than JEF's 1.97 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. L currently trades 91.6% from its 52-week high vs JEF's 72.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.31x | 1.97x |
| 52-Week HighHighest price in past year | $114.90 | $71.04 |
| 52-Week LowLowest price in past year | $85.70 | $35.53 |
| % of 52W HighCurrent price vs 52-week peak | +91.6% | +72.8% |
| RSI (14)Momentum oscillator 0–100 | 40.1 | 66.5 |
| Avg Volume (50D)Average daily shares traded | 622K | 2.8M |
Analyst Outlook
JEF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates L as "Buy" and JEF as "Buy". For income investors, JEF offers the higher dividend yield at 3.25% vs L's 0.24%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $67.75 |
| # AnalystsCovering analysts | 4 | 9 |
| Dividend YieldAnnual dividend ÷ price | +0.2% | +3.2% |
| Dividend StreakConsecutive years of raises | 0 | 9 |
| Dividend / ShareAnnual DPS | $0.25 | $1.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.7% | +0.5% |
L leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). JEF leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
L vs JEF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is L or JEF a better buy right now?
For growth investors, Loews Corporation (L) is the stronger pick with 5.
4% revenue growth year-over-year, versus 2. 9% for Jefferies Financial Group Inc. (JEF). Loews Corporation (L) offers the better valuation at 13. 2x trailing P/E, making it the more compelling value choice. Analysts rate Loews Corporation (L) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — L or JEF?
On trailing P/E, Loews Corporation (L) is the cheapest at 13.
2x versus Jefferies Financial Group Inc. at 18. 3x.
03Which is the better long-term investment — L or JEF?
Over the past 5 years, Loews Corporation (L) delivered a total return of +83.
1%, compared to +80. 7% for Jefferies Financial Group Inc. (JEF). Over 10 years, the gap is even starker: JEF returned +296. 2% versus L's +171. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — L or JEF?
By beta (market sensitivity over 5 years), Loews Corporation (L) is the lower-risk stock at 0.
31β versus Jefferies Financial Group Inc. 's 1. 97β — meaning JEF is approximately 539% more volatile than L relative to the S&P 500. On balance sheet safety, Jefferies Financial Group Inc. (JEF) carries a lower debt/equity ratio of 17% versus 48% for Loews Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — L or JEF?
By revenue growth (latest reported year), Loews Corporation (L) is pulling ahead at 5.
4% versus 2. 9% for Jefferies Financial Group Inc. (JEF). On earnings-per-share growth, the picture is similar: Loews Corporation grew EPS 24. 3% year-over-year, compared to -5. 4% for Jefferies Financial Group Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — L or JEF?
Loews Corporation (L) is the more profitable company, earning 9.
2% net margin versus 6. 6% for Jefferies Financial Group Inc. — meaning it keeps 9. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: L leads at 12. 6% versus 6. 3% for JEF. At the gross margin level — before operating expenses — JEF leads at 59. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — L or JEF?
All stocks in this comparison pay dividends.
Jefferies Financial Group Inc. (JEF) offers the highest yield at 3. 2%, versus 0. 2% for Loews Corporation (L).
08Is L or JEF better for a retirement portfolio?
For long-horizon retirement investors, Loews Corporation (L) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
31), +171. 8% 10Y return). Jefferies Financial Group Inc. (JEF) carries a higher beta of 1. 97 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (L: +171. 8%, JEF: +296. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between L and JEF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: L is a mid-cap deep-value stock; JEF is a mid-cap income-oriented stock. JEF pays a dividend while L does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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