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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.91
AFSI's Cash to Debt is ranked lower than
66% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. AFSI: 0.91 )
Ranked among companies with meaningful Cash to Debt only.
AFSI' s 10-Year Cash to Debt Range
Min: 0.27  Med: 0.91 Max: N/A
Current: 0.91
Equity to Asset 0.16
AFSI's Equity to Asset is ranked lower than
87% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. AFSI: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
AFSI' s 10-Year Equity to Asset Range
Min: 0.12  Med: 0.16 Max: 0.33
Current: 0.16
0.12
0.33
Interest Coverage 9.81
AFSI's Interest Coverage is ranked lower than
71% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. AFSI: 9.81 )
Ranked among companies with meaningful Interest Coverage only.
AFSI' s 10-Year Interest Coverage Range
Min: 5.56  Med: 11.09 Max: 61.19
Current: 9.81
5.56
61.19
F-Score: 5
WACC vs ROIC
10.56%
22.85%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.43
AFSI's Operating margin (%) is ranked higher than
55% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. AFSI: 12.43 )
Ranked among companies with meaningful Operating margin (%) only.
AFSI' s 10-Year Operating margin (%) Range
Min: -3.39  Med: 12.14 Max: 22.66
Current: 12.43
-3.39
22.66
Net-margin (%) 10.97
AFSI's Net-margin (%) is ranked higher than
63% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. AFSI: 10.97 )
Ranked among companies with meaningful Net-margin (%) only.
AFSI' s 10-Year Net-margin (%) Range
Min: 2.52  Med: 12.64 Max: 15.62
Current: 10.97
2.52
15.62
ROE (%) 21.26
AFSI's ROE (%) is ranked higher than
88% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. AFSI: 21.26 )
Ranked among companies with meaningful ROE (%) only.
AFSI' s 10-Year ROE (%) Range
Min: -3.84  Med: 21.29 Max: 30.65
Current: 21.26
-3.84
30.65
ROA (%) 3.37
AFSI's ROA (%) is ranked higher than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. AFSI: 3.37 )
Ranked among companies with meaningful ROA (%) only.
AFSI' s 10-Year ROA (%) Range
Min: 0.43  Med: 3.36 Max: 6.76
Current: 3.37
0.43
6.76
Revenue Growth (3Y)(%) 41.20
AFSI's Revenue Growth (3Y)(%) is ranked higher than
97% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. AFSI: 41.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AFSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.7  Med: 32.40 Max: 129.9
Current: 41.2
-1.7
129.9
EBITDA Growth (3Y)(%) 22.80
AFSI's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.30 vs. AFSI: 22.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AFSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 14.4  Med: 28.20 Max: 123.7
Current: 22.8
14.4
123.7
EPS Growth (3Y)(%) 33.60
AFSI's EPS Growth (3Y)(%) is ranked higher than
64% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. AFSI: 33.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AFSI' s 10-Year EPS Growth (3Y)(%) Range
Min: 16.6  Med: 26.25 Max: 122.4
Current: 33.6
16.6
122.4
» AFSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

AFSI Guru Trades in Q3 2014

Paul Tudor Jones 25,100 sh (New)
Chuck Royce 35,538 sh (+68.12%)
Joel Greenblatt 6,161 sh (+4.60%)
Murray Stahl 418,927 sh (+0.99%)
Jana Partners 1,000,000 sh (unchged)
Jim Simons 37,006 sh (-39.64%)
» More
Q4 2014

AFSI Guru Trades in Q4 2014

Chuck Royce 37,438 sh (+5.35%)
HOTCHKIS & WILEY 18,400 sh (unchged)
Jim Simons Sold Out
Joel Greenblatt Sold Out
Murray Stahl 382,773 sh (-8.63%)
Paul Tudor Jones 10,379 sh (-58.65%)
» More
Q1 2015

AFSI Guru Trades in Q1 2015

Lee Ainslie 4,850 sh (New)
Paul Tudor Jones 22,843 sh (+120.09%)
Chuck Royce 46,238 sh (+23.51%)
Murray Stahl 355,980 sh (-7.00%)
» More
Q2 2015

AFSI Guru Trades in Q2 2015

Chuck Royce 46,238 sh (unchged)
Murray Stahl 322,288 sh (-9.46%)
Lee Ainslie 4,370 sh (-9.90%)
Paul Tudor Jones 12,495 sh (-45.30%)
» More
» Details

Insider Trades

Latest Guru Trades with AFSI

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of AmTrust Financial Services Inc

SymbolPriceYieldDescription
AFSIPRA24.856.79
AFSIPRC25.267.53Deposit Shs Repr 1/40th 7 5/8 % Non-Cum Pfd Shs Series -C-
AFSIPRB25.307.16
AFSIPRD25.193.64Deposit Shs Repr 1/40th 7 1/2 % Non-Cum Pfd Shs Series

Ratios

vs
industry
vs
history
P/E(ttm) 10.09
AFSI's P/E(ttm) is ranked higher than
64% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.20 vs. AFSI: 10.09 )
Ranked among companies with meaningful P/E(ttm) only.
AFSI' s 10-Year P/E(ttm) Range
Min: 5.09  Med: 9.60 Max: 16.45
Current: 10.09
5.09
16.45
Forward P/E 10.11
AFSI's Forward P/E is ranked higher than
74% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. AFSI: 10.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.50
AFSI's PE(NRI) is ranked higher than
64% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. AFSI: 10.50 )
Ranked among companies with meaningful PE(NRI) only.
AFSI' s 10-Year PE(NRI) Range
Min: 5.07  Med: 9.60 Max: 16.48
Current: 10.5
5.07
16.48
P/B 2.33
AFSI's P/B is ranked lower than
88% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. AFSI: 2.33 )
Ranked among companies with meaningful P/B only.
AFSI' s 10-Year P/B Range
Min: 1.06  Med: 1.79 Max: 3.15
Current: 2.33
1.06
3.15
P/S 1.06
AFSI's P/S is ranked lower than
52% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. AFSI: 1.06 )
Ranked among companies with meaningful P/S only.
AFSI' s 10-Year P/S Range
Min: 0.69  Med: 1.15 Max: 2.32
Current: 1.06
0.69
2.32
PFCF 7.83
AFSI's PFCF is ranked higher than
58% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. AFSI: 7.83 )
Ranked among companies with meaningful PFCF only.
AFSI' s 10-Year PFCF Range
Min: 2.53  Med: 4.93 Max: 108.32
Current: 7.83
2.53
108.32
POCF 6.66
AFSI's POCF is ranked higher than
68% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. AFSI: 6.66 )
Ranked among companies with meaningful POCF only.
AFSI' s 10-Year POCF Range
Min: 2.38  Med: 4.45 Max: 45.13
Current: 6.66
2.38
45.13
EV-to-EBIT 9.30
AFSI's EV-to-EBIT is ranked lower than
61% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. AFSI: 9.30 )
Ranked among companies with meaningful EV-to-EBIT only.
AFSI' s 10-Year EV-to-EBIT Range
Min: 3.5  Med: 8.30 Max: 15.6
Current: 9.3
3.5
15.6
PEG 0.40
AFSI's PEG is ranked higher than
76% of the 54 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. AFSI: 0.40 )
Ranked among companies with meaningful PEG only.
AFSI' s 10-Year PEG Range
Min: 0.19  Med: 0.42 Max: 0.62
Current: 0.4
0.19
0.62
Shiller P/E 17.20
AFSI's Shiller P/E is ranked lower than
55% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.20 vs. AFSI: 17.20 )
Ranked among companies with meaningful Shiller P/E only.
AFSI' s 10-Year Shiller P/E Range
Min: 8.5  Med: 14.87 Max: 21.26
Current: 17.2
8.5
21.26
Days Sales Outstanding 199.79
AFSI's Days Sales Outstanding is ranked lower than
87% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. AFSI: 199.79 )
Ranked among companies with meaningful Days Sales Outstanding only.
AFSI' s 10-Year Days Sales Outstanding Range
Min: 153.97  Med: 215.65 Max: 445.22
Current: 199.79
153.97
445.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.69
AFSI's Dividend Yield is ranked lower than
97% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. AFSI: 1.69 )
Ranked among companies with meaningful Dividend Yield only.
AFSI' s 10-Year Dividend Yield Range
Min: 0.19  Med: 1.43 Max: 2.65
Current: 1.69
0.19
2.65
Dividend Payout 0.17
AFSI's Dividend Payout is ranked higher than
81% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. AFSI: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
AFSI' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.13 Max: 0.33
Current: 0.17
0.06
0.33
Dividend growth (3y) 44.60
AFSI's Dividend growth (3y) is ranked higher than
94% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. AFSI: 44.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
AFSI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 21.30 Max: 123.6
Current: 44.6
0
123.6
Yield on cost (5-Year) 7.14
AFSI's Yield on cost (5-Year) is ranked higher than
70% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.32 vs. AFSI: 7.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AFSI' s 10-Year Yield on cost (5-Year) Range
Min: 0.8  Med: 6.04 Max: 11.2
Current: 7.14
0.8
11.2
Share Buyback Rate -2.20
AFSI's Share Buyback Rate is ranked lower than
68% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. AFSI: -2.20 )
Ranked among companies with meaningful Share Buyback Rate only.
AFSI' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: -2.10 Max: -36.1
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.75
AFSI's Price/Tangible Book is ranked lower than
92% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. AFSI: 3.75 )
Ranked among companies with meaningful Price/Tangible Book only.
AFSI' s 10-Year Price/Tangible Book Range
Min: 1.4  Med: 2.73 Max: 4.39
Current: 3.75
1.4
4.39
Price/Projected FCF 0.52
AFSI's Price/Projected FCF is ranked higher than
66% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.72 vs. AFSI: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
AFSI' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.51 Max: 0.64
Current: 0.52
0.39
0.64
Price/DCF (Earnings Based) 0.37
AFSI's Price/DCF (Earnings Based) is ranked higher than
89% of the 9 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. AFSI: 0.37 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.92
AFSI's Price/Median PS Value is ranked higher than
66% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. AFSI: 0.92 )
Ranked among companies with meaningful Price/Median PS Value only.
AFSI' s 10-Year Price/Median PS Value Range
Min: 0.71  Med: 0.99 Max: 1.94
Current: 0.92
0.71
1.94
Price/Peter Lynch Fair Value 0.40
AFSI's Price/Peter Lynch Fair Value is ranked higher than
72% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.68 vs. AFSI: 0.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AFSI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.24  Med: 0.40 Max: 0.57
Current: 0.4
0.24
0.57
Price/Graham Number 1.07
AFSI's Price/Graham Number is ranked lower than
75% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. AFSI: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
AFSI' s 10-Year Price/Graham Number Range
Min: 0.6  Med: 1.00 Max: 1.52
Current: 1.07
0.6
1.52
Earnings Yield (Greenblatt) (%) 10.79
AFSI's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. AFSI: 10.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AFSI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.4  Med: 12.10 Max: 28.9
Current: 10.79
6.4
28.9
Forward Rate of Return (Yacktman) (%) 38.34
AFSI's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. AFSI: 38.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AFSI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 20.1  Med: 32.10 Max: 49.6
Current: 38.34
20.1
49.6

Analyst Estimate

Dec15 Dec16
EPS($) 5.61 5.75
EPS without NRI($) 5.61 5.75

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:AFSIPRA.USA, AFSIPRC.USA, AFSIPRB.USA, AFSIPRD.USA, 721.Germany,
AmTrust Financial Services Inc is a multinational specialty property and casualty insurer focused on generating consistent underwriting profits. It provides insurance coverage for small businesses and products with high volumes of insureds and loss profiles that it believes are predictable. It has operations in four business segments namely Small Commercial Business, Specialty Risk and Extended Warranty, Specialty Program, and Personal Lines Reinsurance. Under Small Commercial Business, it provides workers' compensation, commercial package and other commercial insurance lines produced by wholesale agents, retail agents and brokers in the United States. Under Specialty Risk and Extended Warranty, it provide coverage for consumer and commercial goods and custom designed coverages, such as accidental damage plans and payment protection plans offered in connection with the sale of consumer and commercial goods, in the United States and Europe, and certain niche property, casualty and specialty liability risks in the United States and Europe, including general liability, employers' liability and professional and medical liability. Under Specialty Program, it write commercial insurance for narrowly defined classes of insureds, requiring an in-depth knowledge of the insured's industry segment, through general and other wholesale agents. Under Personal Lines Reinsurance, it reinsures 10% of the net premiums of the GMACI personal lines business, pursuant to the Personal Lines Quota Share with the GMACI personal lines insurance companies. See discussion below related to ACAC investment. The Company transacts its business through its twelve insurance subsidiaries. Its competitors include other insurance companies, state insurance pools and self-insurance funds. It is subject to extensive regulation in the United States and the European Union (especially, Ireland and England) and is also subject to regulation in Bermuda.
» More Articles for AFSI

Headlines

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AmTrust Financial Services Inc. Reports Operating Results (10-K) Mar 15 2011 

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