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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.64
AEL's Cash-to-Debt is ranked lower than
79% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.68 vs. AEL: 0.64 )
Ranked among companies with meaningful Cash-to-Debt only.
AEL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.72 Max: N/A
Current: 0.64
Equity-to-Asset 0.04
AEL's Equity-to-Asset is ranked lower than
85% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. AEL: 0.04 )
Ranked among companies with meaningful Equity-to-Asset only.
AEL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.04 Max: 0.1
Current: 0.04
0.01
0.1
Interest Coverage 3.16
AEL's Interest Coverage is ranked lower than
83% of the 109 Companies
in the Global Insurance - Life industry.

( Industry Median: 32.73 vs. AEL: 3.16 )
Ranked among companies with meaningful Interest Coverage only.
AEL' s Interest Coverage Range Over the Past 10 Years
Min: 0.78  Med: 2.84 Max: 8.21
Current: 3.16
0.78
8.21
Beneish M-Score: -2.51
WACC vs ROIC
16.35%
3.62%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 5.87
AEL's Operating Margin % is ranked lower than
57% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.83 vs. AEL: 5.87 )
Ranked among companies with meaningful Operating Margin % only.
AEL' s Operating Margin % Range Over the Past 10 Years
Min: 5.08  Med: 8.15 Max: 22.8
Current: 5.87
5.08
22.8
Net Margin % 3.75
AEL's Net Margin % is ranked lower than
57% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.06 vs. AEL: 3.75 )
Ranked among companies with meaningful Net Margin % only.
AEL' s Net Margin % Range Over the Past 10 Years
Min: 3.34  Med: 5.24 Max: 14.47
Current: 3.75
3.34
14.47
ROE % 3.50
AEL's ROE % is ranked lower than
78% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.82 vs. AEL: 3.50 )
Ranked among companies with meaningful ROE % only.
AEL' s ROE % Range Over the Past 10 Years
Min: 3.07  Med: 6.18 Max: 16.31
Current: 3.5
3.07
16.31
ROA % 0.16
AEL's ROA % is ranked lower than
84% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.59 vs. AEL: 0.16 )
Ranked among companies with meaningful ROA % only.
AEL' s ROA % Range Over the Past 10 Years
Min: 0.1  Med: 0.24 Max: 0.68
Current: 0.16
0.1
0.68
3-Year Revenue Growth Rate -9.30
AEL's 3-Year Revenue Growth Rate is ranked lower than
88% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. AEL: -9.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AEL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -23.5  Med: 8.8 Max: 55.8
Current: -9.3
-23.5
55.8
3-Year EBITDA Growth Rate -31.10
AEL's 3-Year EBITDA Growth Rate is ranked lower than
93% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. AEL: -31.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AEL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -31.1  Med: -7.05 Max: 102.7
Current: -31.1
-31.1
102.7
3-Year EPS without NRI Growth Rate -34.00
AEL's 3-Year EPS without NRI Growth Rate is ranked lower than
95% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. AEL: -34.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AEL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -35  Med: 11.8 Max: 97.5
Current: -34
-35
97.5
GuruFocus has detected 1 Warning Sign with American Equity Investment Life Holding Co $AEL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AEL's 10-Y Financials

Financials (Next Earnings Date: 2017-05-08 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

AEL Guru Trades in Q1 2016

Jim Simons 94,000 sh (New)
Richard Pzena 590,141 sh (New)
Richard Snow 283,625 sh (+189.59%)
Diamond Hill Capital 501,880 sh (+81.03%)
David Dreman 7,227 sh (+42.60%)
Joel Greenblatt 11,702 sh (+23.80%)
Ken Fisher Sold Out
Steven Cohen Sold Out
Jeremy Grantham 90,000 sh (-12.88%)
Paul Tudor Jones 32,000 sh (-23.80%)
Keeley Asset Management Corp 1,654,400 sh (-30.08%)
» More
Q2 2016

AEL Guru Trades in Q2 2016

Richard Pzena 2,675,697 sh (+353.40%)
Richard Snow 452,920 sh (+59.69%)
Diamond Hill Capital 502,515 sh (+0.13%)
David Dreman 7,227 sh (unchged)
Keeley Asset Management Corp Sold Out
Jim Simons Sold Out
Joel Greenblatt 11,499 sh (-1.73%)
Jeremy Grantham 83,092 sh (-7.68%)
Paul Tudor Jones 11,317 sh (-64.63%)
» More
Q3 2016

AEL Guru Trades in Q3 2016

Arnold Schneider 371,220 sh (New)
Steven Cohen 103,705 sh (New)
David Dreman 7,227 sh (unchged)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Diamond Hill Capital 502,121 sh (-0.08%)
Richard Pzena 2,538,067 sh (-5.14%)
Richard Snow 420,080 sh (-7.25%)
Jeremy Grantham 19,123 sh (-76.99%)
» More
Q4 2016

AEL Guru Trades in Q4 2016

David Dreman 23,716 sh (+228.16%)
Richard Snow 531,835 sh (+26.60%)
Arnold Schneider 450,150 sh (+21.26%)
Steven Cohen Sold Out
Jeremy Grantham 18,923 sh (-1.05%)
Richard Pzena 2,455,566 sh (-3.25%)
Diamond Hill Capital 432,352 sh (-13.89%)
» More
» Details

Insider Trades

Latest Guru Trades with AEL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:NYSE:FGL, NYSE:FFG, NAS:NWLI, OTCPK:MMHDF, NYSE:CNO, OTCPK:CSNRF, NYSE:PRI, OTCPK:KCLI, NYSE:CIA, NYSE:IHC, NAS:TIPT, NAS:AMIC, OTCPK:HNRDF, NAS:AAME, NAS:GWGH, OTCPK:UTGN, OTCPK:IHRC, OTCPK:FLCR, OTCPK:STJPF, OTCPK:SLFPF » details
Traded in other countries:AM5.Germany,
American Equity Investment Life Holding Company is engaged in the development and sale of index and fixed rate annuity products. The Company is a full service underwriter of fixed annuity and life insurance products.

American Equity Investment Life Holding Company was incorporated in the state of Iowa on December 15, 1995. The Company is engaged in the development and sale of fixed index and fixed rate annuity products. It is a full service underwriter of fixed annuity and life insurance products through its wholly-owned life insurance subsidiaries, American Equity Investment Life Insurance Company, American Equity Investment Life Insurance Company of New York and Eagle Life Insurance Company. Its target market includes the group of individuals ages 45-75 who are seeking to accumulate tax-deferred savings. The Company is currently licensed to sell its products in 50 states and the District of Columbia. The Company markets its products through a variable cost brokerage distribution network of approximately 45 national marketing organizations and, through them, approximately 27,000 independent agents. The Company competes with Allianz Life Insurance Company of North America; Security Benefit Life; Great American Life Insurance Company; Athene USA Corp; EquiTrust Life Insurance Company; Midland National Life Insurance Company; North American Company for Life and Health Insurance and among others. The Company is subject to extensive laws and regulations that are administered and enforced by a number of different regulatory authorities including state insurance regulators, the NAIC, the SEC and the New York Stock Exchange.

Ratios

vs
industry
vs
history
PE Ratio 24.42
AEL's PE Ratio is ranked lower than
79% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.60 vs. AEL: 24.42 )
Ranked among companies with meaningful PE Ratio only.
AEL' s PE Ratio Range Over the Past 10 Years
Min: 4.87  Med: 10.98 Max: 51.67
Current: 24.42
4.87
51.67
Forward PE Ratio 9.88
AEL's Forward PE Ratio is ranked higher than
86% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. AEL: 9.88 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 24.42
AEL's PE Ratio without NRI is ranked lower than
78% of the 98 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.60 vs. AEL: 24.42 )
Ranked among companies with meaningful PE Ratio without NRI only.
AEL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.87  Med: 10.98 Max: 51.67
Current: 24.42
4.87
51.67
Price-to-Owner-Earnings 5.26
AEL's Price-to-Owner-Earnings is ranked higher than
75% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. AEL: 5.26 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AEL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.01  Med: 4.8 Max: 471.89
Current: 5.26
1.01
471.89
PB Ratio 0.91
AEL's PB Ratio is ranked higher than
75% of the 106 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.32 vs. AEL: 0.91 )
Ranked among companies with meaningful PB Ratio only.
AEL' s PB Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.77 Max: 1.63
Current: 0.91
0.33
1.63
PS Ratio 0.91
AEL's PS Ratio is ranked higher than
53% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. AEL: 0.91 )
Ranked among companies with meaningful PS Ratio only.
AEL' s PS Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.7 Max: 1.81
Current: 0.91
0.35
1.81
Price-to-Free-Cash-Flow 1.43
AEL's Price-to-Free-Cash-Flow is ranked higher than
88% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. AEL: 1.43 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AEL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.7  Med: 1.95 Max: 193.43
Current: 1.43
0.7
193.43
Price-to-Operating-Cash-Flow 1.43
AEL's Price-to-Operating-Cash-Flow is ranked higher than
91% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. AEL: 1.43 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AEL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.69  Med: 1.93 Max: 78.07
Current: 1.43
0.69
78.07
EV-to-EBIT 14.59
AEL's EV-to-EBIT is ranked lower than
74% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.63 vs. AEL: 14.59 )
Ranked among companies with meaningful EV-to-EBIT only.
AEL' s EV-to-EBIT Range Over the Past 10 Years
Min: -8.6  Med: 5.9 Max: 50.3
Current: 14.59
-8.6
50.3
EV-to-EBITDA 14.59
AEL's EV-to-EBITDA is ranked lower than
79% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.30 vs. AEL: 14.59 )
Ranked among companies with meaningful EV-to-EBITDA only.
AEL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2613.2  Med: 4.6 Max: 50.3
Current: 14.59
-2613.2
50.3
Shiller PE Ratio 16.61
AEL's Shiller PE Ratio is ranked higher than
58% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.59 vs. AEL: 16.61 )
Ranked among companies with meaningful Shiller PE Ratio only.
AEL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.73  Med: 13.78 Max: 23.11
Current: 16.61
8.73
23.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.02
AEL's Dividend Yield % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.24 vs. AEL: 1.02 )
Ranked among companies with meaningful Dividend Yield % only.
AEL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 0.8 Max: 2.19
Current: 1.02
0.28
2.19
Dividend Payout Ratio 0.25
AEL's Dividend Payout Ratio is ranked higher than
65% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.35 vs. AEL: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AEL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.12 Max: 0.25
Current: 0.25
0.05
0.25
3-Year Dividend Growth Rate 10.10
AEL's 3-Year Dividend Growth Rate is ranked lower than
54% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.90 vs. AEL: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AEL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 17.8 Max: 71
Current: 10.1
0
71
Forward Dividend Yield % 1.02
AEL's Forward Dividend Yield % is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.28 vs. AEL: 1.02 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.00
AEL's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.00 vs. AEL: 2.00 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AEL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.55  Med: 1.57 Max: 4.29
Current: 2
0.55
4.29
3-Year Average Share Buyback Ratio -7.70
AEL's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. AEL: -7.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AEL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -43.8  Med: -7.55 Max: 1.4
Current: -7.7
-43.8
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.90
AEL's Price-to-Tangible-Book is ranked higher than
82% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.87 vs. AEL: 0.90 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AEL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.43  Med: 0.82 Max: 1.4
Current: 0.9
0.43
1.4
Price-to-Intrinsic-Value-Projected-FCF 0.22
AEL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
89% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. AEL: 0.22 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AEL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.3 Max: 0.87
Current: 0.22
0.16
0.87
Price-to-Median-PS-Value 1.28
AEL's Price-to-Median-PS-Value is ranked lower than
71% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AEL: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AEL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.12 Max: 1.81
Current: 1.28
0.53
1.81
Price-to-Graham-Number 0.99
AEL's Price-to-Graham-Number is ranked higher than
63% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. AEL: 0.99 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AEL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.38  Med: 0.75 Max: 1
Current: 0.99
0.38
1
Earnings Yield (Greenblatt) % 6.86
AEL's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.41 vs. AEL: 6.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AEL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2  Med: 15.8 Max: 506.3
Current: 6.86
2
506.3
Forward Rate of Return (Yacktman) % 40.96
AEL's Forward Rate of Return (Yacktman) % is ranked higher than
84% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.61 vs. AEL: 40.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AEL' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.1  Med: 30.7 Max: 90.2
Current: 40.96
5.1
90.2

More Statistics

Revenue (TTM) (Mil) $2,220
EPS (TTM) $ 0.96
Beta2.66
Short Percentage of Float2.30%
52-Week Range $12.77 - 28.00
Shares Outstanding (Mil)88.28

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.37 2.43
EPS without NRI ($) 2.37 2.43
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.27 0.29
» More Articles for AEL

Headlines

Articles On GuruFocus.com
2 Stocks for a Rising Interest Rate Environment Dec 12 2016 
Keeley Small Cap Value Fund 1st Quarter Commentary Apr 26 2016 
Diamond Hill Capital Comments on American Equity Investment Life Holding Co Jun 26 2014 
Ken Fisher’s Top 5 Stock Buys Oct 23 2013 
3 Financial Dividend Stocks with a Big Short-Selling Army Jun 10 2013 
My 4 Top Dividend Growth Stocks From Last Week Nov 18 2012 
6 Dividend Challengers Under Book Value with 'Buy' or Better Rating Jan 18 2012 
4 Stocks with Double-Digit Dividend Growth from Last Week to Consider Nov 29 2011 
American Equity Investment Life Holding Reports Operating Results (10-K) Mar 10 2011 
American Equity Investment Life Holding Reports Operating Results (10-Q) Aug 06 2010 

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