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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
AFH's Cash to Debt is ranked higher than
93% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.31 vs. AFH: No Debt )
AFH' s 10-Year Cash to Debt Range
Min: 16.42   Max: No Debt
Current: No Debt

Equity to Asset 0.39
AFH's Equity to Asset is ranked higher than
88% of the 243 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. AFH: 0.39 )
AFH' s 10-Year Equity to Asset Range
Min: 0.19   Max: 0.39
Current: 0.39

0.19
0.39
Interest Coverage No Debt
AFH's Interest Coverage is ranked higher than
89% of the 205 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. AFH: No Debt )
AFH' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 8
Z-Score: 0.57
M-Score: -2.13
WACC vs ROIC
14.27%
29.96%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 11.74
AFH's Operating margin (%) is ranked higher than
72% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. AFH: 11.74 )
AFH' s 10-Year Operating margin (%) Range
Min: -31.27   Max: 11.74
Current: 11.74

-31.27
11.74
Net-margin (%) 17.42
AFH's Net-margin (%) is ranked higher than
89% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. AFH: 17.42 )
AFH' s 10-Year Net-margin (%) Range
Min: -36.9   Max: 17.42
Current: 17.42

-36.9
17.42
ROE (%) 20.29
AFH's ROE (%) is ranked higher than
92% of the 243 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. AFH: 20.29 )
AFH' s 10-Year ROE (%) Range
Min: -38.7   Max: 20.45
Current: 20.29

-38.7
20.45
ROA (%) 7.01
AFH's ROA (%) is ranked higher than
93% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.07 vs. AFH: 7.01 )
AFH' s 10-Year ROA (%) Range
Min: -8.67   Max: 7.04
Current: 7.01

-8.67
7.04
ROC (Joel Greenblatt) (%) 441.12
AFH's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 199 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 259.76 vs. AFH: 441.12 )
AFH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2901.1   Max: 448.77
Current: 441.12

-2901.1
448.77
Revenue Growth (3Y)(%) 8.20
AFH's Revenue Growth (3Y)(%) is ranked higher than
78% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. AFH: 8.20 )
AFH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -27.5   Max: 8.2
Current: 8.2

-27.5
8.2
» AFH's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

AFH Guru Trades in Q1 2014

Jim Simons 23,707 sh (+37.03%)
» More
Q2 2014

AFH Guru Trades in Q2 2014

Chuck Royce 14,000 sh (New)
Jim Simons 95,300 sh (+301.99%)
» More
Q3 2014

AFH Guru Trades in Q3 2014

Chuck Royce 14,000 sh (unchged)
Jim Simons 77,700 sh (-18.47%)
» More
Q4 2014

AFH Guru Trades in Q4 2014

Jim Simons 176,300 sh (+126.90%)
Chuck Royce 14,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with AFH

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

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Ratios

vs
industry
vs
history
P/E(ttm) 12.60
AFH's P/E(ttm) is ranked higher than
78% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. AFH: 12.60 )
AFH' s 10-Year P/E(ttm) Range
Min: 10.62   Max: 29.53
Current: 12.6

10.62
29.53
Forward P/E 9.50
AFH's Forward P/E is ranked higher than
94% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.53 vs. AFH: 9.50 )
N/A
PE(NRI) 12.80
AFH's PE(NRI) is ranked higher than
81% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.30 vs. AFH: 12.80 )
AFH' s 10-Year PE(NRI) Range
Min: 10.7   Max: 29.32
Current: 12.8

10.7
29.32
P/B 2.10
AFH's P/B is ranked higher than
56% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.52 vs. AFH: 2.10 )
AFH' s 10-Year P/B Range
Min: 0.8   Max: 2.13
Current: 2.1

0.8
2.13
P/S 2.11
AFH's P/S is ranked lower than
53% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. AFH: 2.11 )
AFH' s 10-Year P/S Range
Min: 0.98   Max: 2.15
Current: 2.11

0.98
2.15
PFCF 16.70
AFH's PFCF is ranked higher than
70% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.85 vs. AFH: 16.70 )
AFH' s 10-Year PFCF Range
Min: 9.39   Max: 17.11
Current: 16.7

9.39
17.11
POCF 15.33
AFH's POCF is ranked higher than
73% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.85 vs. AFH: 15.33 )
AFH' s 10-Year POCF Range
Min: 8.41   Max: 15.46
Current: 15.33

8.41
15.46
EV-to-EBIT 14.43
AFH's EV-to-EBIT is ranked higher than
69% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.71 vs. AFH: 14.43 )
AFH' s 10-Year EV-to-EBIT Range
Min: 10.4   Max: 26.4
Current: 14.43

10.4
26.4
Current Ratio 0.64
AFH's Current Ratio is ranked lower than
59% of the 17 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.02 vs. AFH: 0.64 )
AFH' s 10-Year Current Ratio Range
Min: 0.33   Max: 1.28
Current: 0.64

0.33
1.28
Quick Ratio 0.64
AFH's Quick Ratio is ranked lower than
59% of the 17 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.02 vs. AFH: 0.64 )
AFH' s 10-Year Quick Ratio Range
Min: 0.33   Max: 1.28
Current: 0.64

0.33
1.28
Days Sales Outstanding 178.77
AFH's Days Sales Outstanding is ranked higher than
75% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFH: 178.77 )
AFH' s 10-Year Days Sales Outstanding Range
Min: 80.65   Max: 187.09
Current: 178.77

80.65
187.09

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
AFH's Price/Tangible Book is ranked higher than
68% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.87 vs. AFH: 2.10 )
AFH' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.13
Current: 2.1

0.84
2.13
Price/Median PS Value 1.20
AFH's Price/Median PS Value is ranked higher than
80% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. AFH: 1.20 )
AFH' s 10-Year Price/Median PS Value Range
Min: 1.05   Max: 1.12
Current: 1.2

1.05
1.12
Price/Graham Number 1.10
AFH's Price/Graham Number is ranked higher than
77% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AFH: 1.10 )
AFH' s 10-Year Price/Graham Number Range
Min: 0.92   Max: 1.39
Current: 1.1

0.92
1.39
Earnings Yield (Greenblatt) 6.90
AFH's Earnings Yield (Greenblatt) is ranked higher than
52% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. AFH: 6.90 )
AFH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.8   Max: 9.6
Current: 6.9

3.8
9.6

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:AFH.Canada,
Atlas Financial Holdings, Inc., is a financial services holding company incorporated under the laws of the Cayman Islands. The Company's core business is underwriting commercial automobile insurance policies in the United States. Automobile insurance products provide insurance coverage in three major areas: liability, accident benefits and physical damage. Liability insurance provides coverage subject to policy terms and conditions where the insured is determined to be responsible and/or liable for an automobile accident, for the payment for injuries and property damage to third parties. Accident benefit policies or personal injury protection policies provide coverage for loss of income, medical and rehabilitation expenses for insured persons who are injured in an automobile accident, regardless of fault. Physical damage coverage subject to policy terms and conditions provides for the payment of damages to an insured automobile arising from a collision with another object or from other risks such as fire or theft. The Company's business is carried out through its insurance subsidiaries, which distribute their insurance products through a network of retail independent agents. Together, the insurance subsidiaries are licensed to write property and casualty insurance in 47 states in the United States.
» More Articles for AFH

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