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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 0.98
AFSI's Cash to Debt is ranked higher than
66% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. AFSI: 0.98 )
AFSI' s 10-Year Cash to Debt Range
Min: 0.27   Max: No Debt
Current: 0.98

Equity to Asset 0.15
AFSI's Equity to Asset is ranked higher than
59% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. AFSI: 0.15 )
AFSI' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.44
Current: 0.15

0.13
0.44
Interest Coverage 10.36
AFSI's Interest Coverage is ranked higher than
62% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. AFSI: 10.36 )
AFSI' s 10-Year Interest Coverage Range
Min: 5.56   Max: 61.19
Current: 10.36

5.56
61.19
F-Score: 5
Z-Score: 0.74
WACC vs ROIC
8.96%
23.73%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 11.63
AFSI's Operating margin (%) is ranked higher than
72% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. AFSI: 11.63 )
AFSI' s 10-Year Operating margin (%) Range
Min: -3.39   Max: 22.66
Current: 11.63

-3.39
22.66
Net-margin (%) 10.94
AFSI's Net-margin (%) is ranked higher than
79% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.39 vs. AFSI: 10.94 )
AFSI' s 10-Year Net-margin (%) Range
Min: 2.52   Max: 15.62
Current: 10.94

2.52
15.62
ROE (%) 25.52
AFSI's ROE (%) is ranked higher than
98% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.79 vs. AFSI: 25.52 )
AFSI' s 10-Year ROE (%) Range
Min: 1.57   Max: 31.66
Current: 25.52

1.57
31.66
ROA (%) 3.53
AFSI's ROA (%) is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.49 vs. AFSI: 3.53 )
AFSI' s 10-Year ROA (%) Range
Min: 0.43   Max: 6.76
Current: 3.53

0.43
6.76
ROC (Joel Greenblatt) (%) 374.79
AFSI's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 281.63 vs. AFSI: 374.79 )
AFSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 286.37   Max: 4048.37
Current: 374.79

286.37
4048.37
Revenue Growth (3Y)(%) 41.20
AFSI's Revenue Growth (3Y)(%) is ranked higher than
99% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.50 vs. AFSI: 41.20 )
AFSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.7   Max: 129.9
Current: 41.2

-1.7
129.9
EBITDA Growth (3Y)(%) 22.70
AFSI's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. AFSI: 22.70 )
AFSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 14.4   Max: 123.7
Current: 22.7

14.4
123.7
EPS Growth (3Y)(%) 33.60
AFSI's EPS Growth (3Y)(%) is ranked higher than
85% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.00 vs. AFSI: 33.60 )
AFSI' s 10-Year EPS Growth (3Y)(%) Range
Min: 16.6   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

Q1 2014

AFSI Guru Trades in Q1 2014

Murray Stahl 381,683 sh (+25.26%)
Jim Simons Sold Out
Joel Greenblatt 11,249 sh (-2.78%)
Chuck Royce 20,038 sh (-53.98%)
Paul Tudor Jones 6,695 sh (-79.82%)
» More
Q2 2014

AFSI Guru Trades in Q2 2014

Jim Simons 61,306 sh (New)
Murray Stahl 414,833 sh (+8.69%)
Chuck Royce 21,138 sh (+5.49%)
Paul Tudor Jones Sold Out
Joel Greenblatt 5,890 sh (-47.64%)
» More
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 (+4.6%)
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-12-31 Sold Out $39.82 - $57.77 $ 54.348%0
Joel Greenblatt 2014-06-30 Reduce -47.64%$35.91 - $46.21 $ 54.3432%5890
Joel Greenblatt 2013-12-31 New Buy0.01%$28.62 - $41.81 $ 54.3443%11571
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of AmTrust Financial Services Inc

SymbolPriceYieldDescription
AFSIPRA23.606.71
AFSIPRC0.003.68Deposit Shs Repr 1/40th 7 5/8 % Non-Cum Pfd Shs Series -C-
AFSIPRB0.003.56

Ratios

vs
industry
vs
history
P/E(ttm) 9.90
AFSI's P/E(ttm) is ranked higher than
88% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. AFSI: 9.90 )
AFSI' s 10-Year P/E(ttm) Range
Min: 5.09   Max: 16.45
Current: 9.9

5.09
16.45
Forward P/E 10.19
AFSI's Forward P/E is ranked higher than
91% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.30 vs. AFSI: 10.19 )
N/A
PE(NRI) 9.90
AFSI's PE(NRI) is ranked higher than
88% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.50 vs. AFSI: 9.90 )
AFSI' s 10-Year PE(NRI) Range
Min: 5.07   Max: 16.48
Current: 9.9

5.07
16.48
P/B 2.34
AFSI's P/B is ranked higher than
60% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. AFSI: 2.34 )
AFSI' s 10-Year P/B Range
Min: 1.06   Max: 3.15
Current: 2.34

1.06
3.15
P/S 1.06
AFSI's P/S is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. AFSI: 1.06 )
AFSI' s 10-Year P/S Range
Min: 0.69   Max: 2.32
Current: 1.06

0.69
2.32
PFCF 4.01
AFSI's PFCF is ranked higher than
94% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. AFSI: 4.01 )
AFSI' s 10-Year PFCF Range
Min: 2.53   Max: 108.32
Current: 4.01

2.53
108.32
POCF 3.74
AFSI's POCF is ranked higher than
93% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.95 vs. AFSI: 3.74 )
AFSI' s 10-Year POCF Range
Min: 2.38   Max: 45.13
Current: 3.74

2.38
45.13
EV-to-EBIT 9.34
AFSI's EV-to-EBIT is ranked higher than
74% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.45 vs. AFSI: 9.34 )
AFSI' s 10-Year EV-to-EBIT Range
Min: 3.5   Max: 15.6
Current: 9.34

3.5
15.6
PEG 0.38
AFSI's PEG is ranked higher than
95% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. AFSI: 0.38 )
AFSI' s 10-Year PEG Range
Min: 0.19   Max: 0.62
Current: 0.38

0.19
0.62
Shiller P/E 18.76
AFSI's Shiller P/E is ranked higher than
80% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.31 vs. AFSI: 18.76 )
AFSI' s 10-Year Shiller P/E Range
Min: 8.43   Max: 19.82
Current: 18.76

8.43
19.82
Days Sales Outstanding 165.48
AFSI's Days Sales Outstanding is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 161.64 vs. AFSI: 165.48 )
AFSI' s 10-Year Days Sales Outstanding Range
Min: 153.97   Max: 445.22
Current: 165.48

153.97
445.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.56
AFSI's Dividend Yield is ranked lower than
81% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.57 vs. AFSI: 1.56 )
AFSI' s 10-Year Dividend Yield Range
Min: 0.19   Max: 2.65
Current: 1.56

0.19
2.65
Dividend Payout 0.16
AFSI's Dividend Payout is ranked higher than
92% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. AFSI: 0.16 )
AFSI' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.16
Current: 0.16

0.02
0.16
Dividend growth (3y) 44.60
AFSI's Dividend growth (3y) is ranked higher than
96% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. AFSI: 44.60 )
AFSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 123.6
Current: 44.6

0
123.6
Yield on cost (5-Year) 5.22
AFSI's Yield on cost (5-Year) is ranked higher than
70% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.46 vs. AFSI: 5.22 )
AFSI' s 10-Year Yield on cost (5-Year) Range
Min: 0.62   Max: 8.65
Current: 5.22

0.62
8.65
Share Buyback Rate -2.20
AFSI's Share Buyback Rate is ranked higher than
66% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. AFSI: -2.20 )
AFSI' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -36.1
Current: -2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.80
AFSI's Price/Tangible Book is ranked higher than
58% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.75 vs. AFSI: 3.80 )
AFSI' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 4.29
Current: 3.8

1.4
4.29
Earnings Yield (Greenblatt) 10.70
AFSI's Earnings Yield (Greenblatt) is ranked higher than
73% of the 216 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. AFSI: 10.70 )
AFSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 28.9
Current: 10.7

6.4
28.9
Forward Rate of Return (Yacktman) 38.09
AFSI's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.17 vs. AFSI: 38.09 )
AFSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 20.1   Max: 54
Current: 38.09

20.1
54

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:AFSIPRA.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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