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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 0.89
AFH's Cash to Debt is ranked lower than
67% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. AFH: 0.89 )
Ranked among companies with meaningful Cash to Debt only.
AFH' s 10-Year Cash to Debt Range
Min: 0.89  Med: 10000.00 Max: No Debt
Current: 0.89
Equity to Asset 0.32
AFH's Equity to Asset is ranked higher than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. AFH: 0.32 )
Ranked among companies with meaningful Equity to Asset only.
AFH' s 10-Year Equity to Asset Range
Min: 0.25  Med: 0.32 Max: 0.79
Current: 0.32
0.25
0.79
Interest Coverage No Debt
AFH's Interest Coverage is ranked higher than
69% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. AFH: No Debt )
Ranked among companies with meaningful Interest Coverage only.
AFH' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 6
Z-Score: 0.23
M-Score: -1.67
WACC vs ROIC
13.12%
23.58%
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 (%) 13.57
AFH's Operating margin (%) is ranked higher than
61% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. AFH: 13.57 )
Ranked among companies with meaningful Operating margin (%) only.
AFH' s 10-Year Operating margin (%) Range
Min: -31.27  Med: -0.49 Max: 11.74
Current: 13.57
-31.27
11.74
Net-margin (%) 15.18
AFH's Net-margin (%) is ranked higher than
74% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. AFH: 15.18 )
Ranked among companies with meaningful Net-margin (%) only.
AFH' s 10-Year Net-margin (%) Range
Min: -36.9  Med: 0.85 Max: 17.42
Current: 15.18
-36.9
17.42
ROE (%) 17.33
AFH's ROE (%) is ranked higher than
79% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. AFH: 17.33 )
Ranked among companies with meaningful ROE (%) only.
AFH' s 10-Year ROE (%) Range
Min: -38.7  Med: 4.06 Max: 20.34
Current: 17.33
-38.7
20.34
ROA (%) 6.08
AFH's ROA (%) is ranked higher than
87% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. AFH: 6.08 )
Ranked among companies with meaningful ROA (%) only.
AFH' s 10-Year ROA (%) Range
Min: -8.67  Med: 1.89 Max: 7.04
Current: 6.08
-8.67
7.04
ROC (Joel Greenblatt) (%) 611.99
AFH's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 2 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 611.99 vs. AFH: 611.99 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AFH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2901.1  Med: 343.80 Max: 448.77
Current: 611.99
-2901.1
448.77
Revenue Growth (3Y)(%) 8.20
AFH's Revenue Growth (3Y)(%) is ranked higher than
55% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. AFH: 8.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AFH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -27.5  Med: -10.90 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

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
Q1 2015

AFH Guru Trades in Q1 2015

Jim Simons 192,399 sh (+9.13%)
Chuck Royce 12,900 sh (-7.86%)
» More
Q2 2015

AFH Guru Trades in Q2 2015

Jim Simons 191,806 sh (-0.31%)
Chuck Royce 11,900 sh (-7.75%)
» 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) 10.50
AFH's P/E(ttm) is ranked higher than
60% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. AFH: 10.50 )
Ranked among companies with meaningful P/E(ttm) only.
AFH' s 10-Year P/E(ttm) Range
Min: 10.5  Med: 15.93 Max: 29.53
Current: 10.5
10.5
29.53
Forward P/E 7.97
AFH's Forward P/E is ranked higher than
86% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. AFH: 7.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.90
AFH's PE(NRI) is ranked higher than
60% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. AFH: 10.90 )
Ranked among companies with meaningful PE(NRI) only.
AFH' s 10-Year PE(NRI) Range
Min: 10.7  Med: 16.26 Max: 29.32
Current: 10.9
10.7
29.32
P/B 1.68
AFH's P/B is ranked lower than
74% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. AFH: 1.68 )
Ranked among companies with meaningful P/B only.
AFH' s 10-Year P/B Range
Min: 0.8  Med: 1.82 Max: 2.17
Current: 1.68
0.8
2.17
P/S 1.62
AFH's P/S is ranked lower than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. AFH: 1.62 )
Ranked among companies with meaningful P/S only.
AFH' s 10-Year P/S Range
Min: 0.98  Med: 1.78 Max: 2.12
Current: 1.62
0.98
2.12
PFCF 73.80
AFH's PFCF is ranked lower than
94% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. AFH: 73.80 )
Ranked among companies with meaningful PFCF only.
AFH' s 10-Year PFCF Range
Min: 9.39  Med: 14.58 Max: 92.32
Current: 73.8
9.39
92.32
POCF 52.40
AFH's POCF is ranked lower than
98% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. AFH: 52.40 )
Ranked among companies with meaningful POCF only.
AFH' s 10-Year POCF Range
Min: 8.41  Med: 12.95 Max: 65.52
Current: 52.4
8.41
65.52
EV-to-EBIT 11.93
AFH's EV-to-EBIT is ranked lower than
79% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. AFH: 11.93 )
Ranked among companies with meaningful EV-to-EBIT only.
AFH' s 10-Year EV-to-EBIT Range
Min: 10.4  Med: 15.40 Max: 26.4
Current: 11.93
10.4
26.4
Current Ratio 0.51
AFH's Current Ratio is ranked lower than
100% of the 10 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.86 vs. AFH: 0.51 )
Ranked among companies with meaningful Current Ratio only.
AFH' s 10-Year Current Ratio Range
Min: 0.3  Med: 0.57 Max: 4.66
Current: 0.51
0.3
4.66
Quick Ratio 0.51
AFH's Quick Ratio is ranked lower than
100% of the 10 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.86 vs. AFH: 0.51 )
Ranked among companies with meaningful Quick Ratio only.
AFH' s 10-Year Quick Ratio Range
Min: 0.3  Med: 0.57 Max: 4.66
Current: 0.51
0.3
4.66
Days Sales Outstanding 217.43
AFH's Days Sales Outstanding is ranked lower than
91% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. AFH: 217.43 )
Ranked among companies with meaningful Days Sales Outstanding only.
AFH' s 10-Year Days Sales Outstanding Range
Min: 80.65  Med: 152.40 Max: 187.09
Current: 217.43
80.65
187.09

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
AFH's Price/Tangible Book is ranked lower than
68% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. AFH: 1.80 )
Ranked among companies with meaningful Price/Tangible Book only.
AFH' s 10-Year Price/Tangible Book Range
Min: 0.84  Med: 1.86 Max: 2.19
Current: 1.8
0.84
2.19
Price/Median PS Value 0.91
AFH's Price/Median PS Value is ranked higher than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. AFH: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
AFH' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 1.02 Max: 1.11
Current: 0.91
0.57
1.11
Price/Graham Number 0.88
AFH's Price/Graham Number is ranked lower than
56% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. AFH: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
AFH' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 1.06 Max: 1.39
Current: 0.88
0.55
1.39
Earnings Yield (Greenblatt) (%) 8.32
AFH's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. AFH: 8.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AFH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.8  Med: 6.50 Max: 9.6
Current: 8.32
3.8
9.6

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 165 208
EPS($) 1.19 2.04
EPS without NRI($) 1.19 2.04

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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