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36.44 (1y: +32%)
Market Cap 2.42 B P/E(ttm) 12.80
Enterprise Value 2.97 B P/B 2.10
AFSI- NAS (USA)
AmTrust Financial Services, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$36.44
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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 : 6/10

vs
industry		 vs
history
Cash to Debt 0.882
AFSI's Cash to Debt is ranked higher than
57% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. AFSI: 0.882 )
AFSI' s 10-Year Cash to Debt Range
Min: 0.55   Max: No Debt
Current: 0.88
Equity to Asset 0.154
AFSI's Equity to Asset is ranked lower than
55% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. AFSI: 0.154 )
AFSI' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.44
Current: 0.15
0.13
0.44
Interest Coverage 7.3
AFSI's Interest Coverage is ranked higher than
59% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. AFSI: 7.3 )
AFSI' s 10-Year Interest Coverage Range
Min: 7   Max: No Debt
Current: 7.3
F-Score: 5
Z-Score: 0.66
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 : 6/10

vs
industry		 vs
history
Operating margin (%) 11.20
AFSI's Operating margin (%) is ranked higher than
77% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. AFSI: 11.20 )
AFSI' s 10-Year Operating margin (%) Range
Min: -3.4   Max: 22.8
Current: 11.2
-3.4
22.8
Net-margin (%) 9.5
AFSI's Net-margin (%) is ranked higher than
81% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.30 vs. AFSI: 9.5 )
AFSI' s 10-Year Net-margin (%) Range
Min: 2.7   Max: 15.7
Current: 9.5
2.7
15.7
ROE (%) 15.6
AFSI's ROE (%) is ranked higher than
90% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. AFSI: 15.6 )
AFSI' s 10-Year ROE (%) Range
Min: 2.7   Max: 31.7
Current: 15.6
2.7
31.7
ROA (%) 2.4
AFSI's ROA (%) is ranked higher than
73% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. AFSI: 2.4 )
AFSI' s 10-Year ROA (%) Range
Min: 0.7   Max: 6.1
Current: 2.4
0.7
6.1
Revenue Growth (%) 24.6
AFSI's Revenue Growth (%) is ranked higher than
96% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.10 vs. AFSI: 24.6 )
AFSI' s 10-Year Revenue Growth (%) Range
Min: -1.2   Max: 86.5
Current: 24.6
-1.2
86.5
EBITDA Growth (%) 15
AFSI's EBITDA Growth (%) is ranked higher than
90% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: 15 )
AFSI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 277.5
Current: 15
0
277.5
EPS Growth (%) 13.2
AFSI's EPS Growth (%) is ranked higher than
88% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: 13.2 )
AFSI' s 10-Year EPS Growth (%) Range
Min: -2.4   Max: 102.3
Current: 13.2
-2.4
102.3
» AFSI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

AFSI Guru Trades in Q2 2012

Murray Stahl 136,042 sh (New)
Chuck Royce 42,500 sh (+113.57%)
RS Investment Management 1,050,227 sh (+14.59%)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
» More
Q3 2012

AFSI Guru Trades in Q3 2012

Paul Tudor Jones 20,900 sh (New)
Jim Simons 55,060 sh (New)
Murray Stahl 187,139 sh (+25.05%)
RS Investment Management 1,095,801 sh (-5.15%)
Chuck Royce 40,480 sh (-13.41%)
» More
Q4 2012

AFSI Guru Trades in Q4 2012

Jim Simons 245,960 sh (+346.71%)
RS Investment Management 1,645,411 sh (+50.16%)
Paul Tudor Jones Sold Out
Murray Stahl 184,489 sh (-1.42%)
Chuck Royce 38,280 sh (-5.43%)
» More
Q1 2013

AFSI Guru Trades in Q1 2013

Murray Stahl 201,849 sh (+9.41%)
Chuck Royce 39,580 sh (+3.4%)
RS Investment Management 1,672,470 sh (+1.64%)
Jim Simons 56,860 sh (-76.88%)
» More
» Details

Insider Trades

Latest Guru Trades with AFSI



No Insider Trades Found!
» Financial Charts

Peter Lynch Chart

Preferred stocks of AmTrust Financial Services, Inc.

SymbolPriceYieldDescription
AFSIP24.400.00

Top Ranked Articles about AmTrust Financial Services, Inc.

My 3 Favorite Stocks With Dividend Growth From Last Week
March 10, 2013
Stocks with dividend hikes from last week originally published at “long-term-investments.blogspot.com”. The total number of stocks which announced a dividend hike shrank to 57 over the last week. That’s still a big value compared to figure of the recent months. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 12.80
AFSI's P/E(ttm) is ranked higher than
69% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. AFSI: 12.80 )
AFSI' s 10-Year P/E(ttm) Range
Min: 5.11   Max: 16.35
Current: 12.8
5.11
16.35
P/B 2.10
AFSI's P/B is ranked lower than
67% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. AFSI: 2.10 )
AFSI' s 10-Year P/B Range
Min: 1.06   Max: 3.21
Current: 2.1
1.06
3.21
P/S 1.20
AFSI's P/S is ranked higher than
51% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. AFSI: 1.20 )
AFSI' s 10-Year P/S Range
Min: 0.69   Max: 2.33
Current: 1.2
0.69
2.33
PFCF 4.50
AFSI's PFCF is ranked higher than
84% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.71 vs. AFSI: 4.50 )
AFSI' s 10-Year PFCF Range
Min: 2.66   Max: 297.88
Current: 4.5
2.66
297.88
EV-to-EBIT 13
AFSI's EV-to-EBIT is ranked higher than
55% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.19 vs. AFSI: 13 )
AFSI' s 10-Year EV-to-EBIT Range
Min: 4.9   Max: 15.8
Current: 13
4.9
15.8
PEG 0.6
AFSI's PEG is ranked higher than
70% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.60 vs. AFSI: 0.6 )
AFSI' s 10-Year PEG Range
Min: 0.06   Max: 0.84
Current: 0.6
0.06
0.84
Shiller P/E 17.9
AFSI's Shiller P/E is ranked lower than
100% of the Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: vs. AFSI: 17.9 )
AFSI' s 10-Year Shiller P/E Range
Min: 8.41   Max: 17.9
Current: 17.9
8.41
17.9

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.20
AFSI's Dividend Yield is ranked lower than
62% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.92 vs. AFSI: 1.20 )
AFSI' s 10-Year Dividend Yield Range
Min: 0.18   Max: 2.65
Current: 1.2
0.18
2.65
Dividend Payout 0.1472
AFSI's Dividend Payout is ranked higher than
88% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.40 vs. AFSI: 0.1472 )
AFSI' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.14
Current: 0.15
0.02
0.14
Dividend growth (3y) 15.6
AFSI's Dividend growth (3y) is ranked higher than
94% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: 15.6 )
AFSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 84.6
Current: 15.6
0
84.6
Yield on cost (5-Year) 3.32
AFSI's Yield on cost (5-Year) is ranked higher than
73% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.06 vs. AFSI: 3.32 )
AFSI' s 10-Year Yield on cost (5-Year) Range
Min: 0.5   Max: 7.34
Current: 3.32
0.5
7.34
Share Buyback Rate -1.1
AFSI's Share Buyback Rate is ranked lower than
53% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: -1.1 )
AFSI' s 10-Year Share Buyback Rate Range
Min: 0.1   Max: -26
Current: -1.1

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 2.8
AFSI's Price/Net Current Asset Value is ranked higher than
83% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.00 vs. AFSI: 2.8 )
AFSI' s 10-Year Price/Net Current Asset Value Range
Min: 1.2   Max: 3.5
Current: 2.8
1.2
3.5
Price/Tangible Book 3.9
AFSI's Price/Tangible Book is ranked lower than
75% of the 145 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AFSI: 3.9 )
AFSI' s 10-Year Price/Tangible Book Range
Min: 1.5   Max: 3.1
Current: 3.9
1.5
3.1
Price/DCF (Projected) 0.7
AFSI's Price/DCF (Projected) is ranked higher than
59% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.60 vs. AFSI: 0.7 )
AFSI' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.6
Current: 0.7
0.4
0.6
Price/Median PS Value 1.2
AFSI's Price/Median PS Value is ranked higher than
62% of the 145 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AFSI: 1.2 )
AFSI' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.3
Current: 1.2
0.8
1.3
Price/Peter Lynch Fair Value 0.7
AFSI's Price/Peter Lynch Fair Value is ranked higher than
77% of the 26 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. AFSI: 0.7 )
AFSI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 0.7
Current: 0.7
0.3
0.7
Price/Graham Number 1.6
AFSI's Price/Graham Number is ranked lower than
77% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. AFSI: 1.6 )
AFSI' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.2
Current: 1.6
0.7
1.2
Earnings Yield (Greenblatt) 7.70
AFSI's Earnings Yield (Greenblatt) is ranked higher than
71% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.70 vs. AFSI: 7.70 )
AFSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 20.4
Current: 7.7
6.3
20.4
Forward Rate of Return (Yacktman) 23.48
AFSI's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: 23.48 )
AFSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.9   Max: 126.8
Current: 23.48
17.9
126.8

Business Description

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: 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 mainly through its eleven 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.
Company Website
SEC Reports
Industry: Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY
Traded in other countries:AFSIP.USA
» More Articles for AFSI

Headlines

Articles On GuruFocus.com
3 Financial Dividend Stocks with a Big Short-Selling Army Jun 10 2013 
My 3 Favorite Stocks With Dividend Growth From Last Week Mar 10 2013 
AmTrust Financial Services Inc. Reports Operating Results (10-K) Mar 15 2011 
16 Dividend Stocks Delivering What’s Important: RKT, EXLP, MCY, CGNX, MIG, etc. Nov 08 2010 
AmTrust Financial Services Inc. Reports Operating Results (10-Q) May 10 2010 
Weekly Top Insider Buys: Staples Inc., The Kroger Co., AmTrust Financial Services Inc., ULTA Salon, Jun 27 2009 
AmTrust Financial Services Inc. Reports Operating Results (10-Q) May 11 2009 

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