Switch to:

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 0.72
AFSI's Cash to Debt is ranked higher than
66% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. AFSI: 0.72 )
AFSI' s 10-Year Cash to Debt Range
Min: 0.51   Max: No Debt
Current: 0.72

Equity to Asset 0.15
AFSI's Equity to Asset is ranked higher than
59% of the 214 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: 0.12   Max: 0.33
Current: 0.15

0.12
0.33
Interest Coverage 9.18
AFSI's Interest Coverage is ranked higher than
61% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. AFSI: 9.18 )
AFSI' s 10-Year Interest Coverage Range
Min: 6.91   Max: 9999.99
Current: 9.18

6.91
9999.99
F-Score: 6
Z-Score: 0.75
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 (%) 12.03
AFSI's Operating margin (%) is ranked higher than
75% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. AFSI: 12.03 )
AFSI' s 10-Year Operating margin (%) Range
Min: -3.39   Max: 22.81
Current: 12.03

-3.39
22.81
Net-margin (%) 11.56
AFSI's Net-margin (%) is ranked higher than
81% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. AFSI: 11.56 )
AFSI' s 10-Year Net-margin (%) Range
Min: 2.69   Max: 15.73
Current: 11.56

2.69
15.73
ROE (%) 27.43
AFSI's ROE (%) is ranked higher than
97% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. AFSI: 27.43 )
AFSI' s 10-Year ROE (%) Range
Min: 3.52   Max: 31.66
Current: 27.43

3.52
31.66
ROA (%) 3.75
AFSI's ROA (%) is ranked higher than
80% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. AFSI: 3.75 )
AFSI' s 10-Year ROA (%) Range
Min: 0.91   Max: 6.76
Current: 3.75

0.91
6.76
ROC (Joel Greenblatt) (%) 403.02
AFSI's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 288.43 vs. AFSI: 403.02 )
AFSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 286.37   Max: 1082.91
Current: 403.02

286.37
1082.91
Revenue Growth (%) 36.10
AFSI's Revenue Growth (%) is ranked higher than
97% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. AFSI: 36.10 )
AFSI' s 10-Year Revenue Growth (%) Range
Min: -1.7   Max: 129.9
Current: 36.1

-1.7
129.9
EBITDA Growth (%) 29.00
AFSI's EBITDA Growth (%) is ranked higher than
91% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. AFSI: 29.00 )
AFSI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 119.7
Current: 29

0
119.7
EPS Growth (%) 23.60
AFSI's EPS Growth (%) is ranked higher than
89% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. AFSI: 23.60 )
AFSI' s 10-Year EPS Growth (%) Range
Min: 16.6   Max: 122.4
Current: 23.6

16.6
122.4
» AFSI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

AFSI Guru Trades in Q4 2013

Paul Tudor Jones 33,181 sh (New)
Joel Greenblatt 11,571 sh (New)
Jim Simons 240,506 sh (+931.95%)
Murray Stahl 304,719 sh (+48.44%)
Chuck Royce 43,538 sh (unchged)
RS Investment Management Sold Out
» More
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%)
Jim Simons 37,006 sh (-39.64%)
» 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 2014-06-30 Reduce -47.64%$35.91 - $46.21 $ 57.7441%5890
Joel Greenblatt 2013-12-31 New Buy0.01%$28.62 - $41.81 $ 57.7452%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
AFSIPRA23.606.97
AFSIPRC0.001.89Deposit Shs Repr 1/40th 7 5/8 % Non-Cum Pfd Shs Series -C-
AFSIPRB0.001.83

Ratios

vs
industry
vs
history
P/E(ttm) 10.50
AFSI's P/E(ttm) is ranked higher than
85% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. AFSI: 10.50 )
AFSI' s 10-Year P/E(ttm) Range
Min: 5.09   Max: 16.45
Current: 10.5

5.09
16.45
P/B 2.58
AFSI's P/B is ranked higher than
57% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. AFSI: 2.58 )
AFSI' s 10-Year P/B Range
Min: 1.06   Max: 3.15
Current: 2.58

1.06
3.15
P/S 1.19
AFSI's P/S is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. AFSI: 1.19 )
AFSI' s 10-Year P/S Range
Min: 0.69   Max: 2.32
Current: 1.19

0.69
2.32
PFCF 3.94
AFSI's PFCF is ranked higher than
93% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.10 vs. AFSI: 3.94 )
AFSI' s 10-Year PFCF Range
Min: 2.53   Max: 108.32
Current: 3.94

2.53
108.32
EV-to-EBIT 10.58
AFSI's EV-to-EBIT is ranked higher than
70% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. AFSI: 10.58 )
AFSI' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 15.6
Current: 10.58

3.2
15.6
PEG 0.42
AFSI's PEG is ranked higher than
95% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. AFSI: 0.42 )
AFSI' s 10-Year PEG Range
Min: 0.18   Max: 0.61
Current: 0.42

0.18
0.61
Shiller P/E 20.35
AFSI's Shiller P/E is ranked higher than
77% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.87 vs. AFSI: 20.35 )
AFSI' s 10-Year Shiller P/E Range
Min: 8.5   Max: 20.26
Current: 20.35

8.5
20.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.28
AFSI's Dividend Yield is ranked lower than
84% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.55 vs. AFSI: 1.28 )
AFSI' s 10-Year Dividend Yield Range
Min: 0.19   Max: 2.65
Current: 1.28

0.19
2.65
Dividend Payout 0.13
AFSI's Dividend Payout is ranked higher than
92% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. AFSI: 0.13 )
AFSI' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.33
Current: 0.13

0.06
0.33
Dividend growth (3y) 30.60
AFSI's Dividend growth (3y) is ranked higher than
96% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 vs. AFSI: 30.60 )
AFSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 123.6
Current: 30.6

0
123.6
Yield on cost (5-Year) 4.35
AFSI's Yield on cost (5-Year) is ranked higher than
66% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. AFSI: 4.35 )
AFSI' s 10-Year Yield on cost (5-Year) Range
Min: 0.64   Max: 8.86
Current: 4.35

0.64
8.86
Share Buyback Rate -2.20
AFSI's Share Buyback Rate is ranked higher than
66% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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 4.52
AFSI's Price/Tangible Book is ranked higher than
57% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. AFSI: 4.52 )
AFSI' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 4.29
Current: 4.52

1.4
4.29
Price/DCF (Projected) 0.59
AFSI's Price/DCF (Projected) is ranked higher than
85% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. AFSI: 0.59 )
AFSI' s 10-Year Price/DCF (Projected) Range
Min: 0.33   Max: 0.64
Current: 0.59

0.33
0.64
Price/Median PS Value 1.04
AFSI's Price/Median PS Value is ranked higher than
82% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. AFSI: 1.04 )
AFSI' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.93
Current: 1.04

0.7
1.93
Price/Peter Lynch Fair Value 0.42
AFSI's Price/Peter Lynch Fair Value is ranked higher than
99% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. AFSI: 0.42 )
AFSI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.24   Max: 0.57
Current: 0.42

0.24
0.57
Price/Graham Number 1.23
AFSI's Price/Graham Number is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. AFSI: 1.23 )
AFSI' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.54
Current: 1.23

0.6
1.54
Earnings Yield (Greenblatt) 9.50
AFSI's Earnings Yield (Greenblatt) is ranked higher than
69% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. AFSI: 9.50 )
AFSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 31.3
Current: 9.5

6.4
31.3
Forward Rate of Return (Yacktman) 36.26
AFSI's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.44 vs. AFSI: 36.26 )
AFSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17   Max: 52.1
Current: 36.26

17
52.1

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

Articles On GuruFocus.com
AmTrust Financial's Stock May Rise Another 28% Sep 24 2014 
My 5 Favorite Dividend Growth Stocks From Last Week Aug 11 2013 
3 Best-Yielding Stocks Which Hit All-Time-Highs Recently Jun 19 2013 
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 


More From Other Websites
Meet 5 Stocks With Surging Relative Strength Dec 16 2014
IBD 50: Growth Stocks Fight The Fight In Weak Tape Dec 12 2014
AmTrust Financial Services (AFSI) Shares March Higher, Can It Continue? Dec 11 2014
AMTRUST FINANCIAL SERVICES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Dec 11 2014
AmTrust Announces the Exchange to Retire $131.9 Million Principal Amount of Its 5.50% Convertible... Dec 11 2014
AmTrust Financial Hits 52-Week High on Inorganic Growth Dec 10 2014
America's Best-Managed Companies Dec 10 2014
Stock Market Today: Nasdaq Turns Up; AerCap Rebounds Dec 03 2014
AmTrust Financial Services, Inc. Announces GBP 235 Million Amended Letter of Credit Facility to... Dec 01 2014
AmTrust Financial Services, Inc. Announces GBP 235 Million Amended Letter of Credit Facility to... Dec 01 2014
AMTRUST FINANCIAL SERVICES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Dec 01 2014
Allianz near sale of Fireman's Fund personal business -reports Nov 28 2014
A.M. Best Places Ratings of CorePointe Insurance Company Under Review With Positive Implications Nov 25 2014
AmTrust Financial Acquires CorePointe; Expands Globally Nov 25 2014
Platinum Underwriters Holdings Ltd. (PTP) in Focus: Stock Surges 21.1% Nov 25 2014
It was another slow, low volume, lackluster trading session Nov 24 2014
CorePointe Group LLC Announces Its Intent to Sell CorePointe Insurance Company to AmTrust Financial... Nov 24 2014
Stocks Open Quietly Higher; AmTrust Jumps, Trina Solar Dims Nov 24 2014
AmTrust Financial Services, Inc. Announces Its Intent to Acquire CorePointe Insurance Company Nov 24 2014
IBD 50 Lagging Indexes As Some Leaders Go Sideways Nov 21 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK