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Also traded in: Germany

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 3.86
NAS:AMIC's Cash-to-Debt is ranked lower than
53% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.68 vs. NAS:AMIC: 3.86 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:AMIC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: No Debt Max: No Debt
Current: 3.86
Equity-to-Asset 0.69
NAS:AMIC's Equity-to-Asset is ranked higher than
97% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. NAS:AMIC: 0.69 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:AMIC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.62 Max: 0.91
Current: 0.69
0.1
0.91
Interest Coverage N/A
NAS:AMIC's Interest Coverage is ranked higher than
76% of the 109 Companies
in the Global Insurance - Life industry.

( Industry Median: 32.73 vs. NAS:AMIC: N/A )
Ranked among companies with meaningful Interest Coverage only.
NAS:AMIC' s Interest Coverage Range Over the Past 10 Years
Min: N/A  Med: No Debt Max: No Debt
Current: N/A
N/A
No Debt
Beneish M-Score: -0.63
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 : 5/10

vs
industry
vs
history
Operating Margin % 4.27
NAS:AMIC's Operating Margin % is ranked lower than
68% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.83 vs. NAS:AMIC: 4.27 )
Ranked among companies with meaningful Operating Margin % only.
NAS:AMIC' s Operating Margin % Range Over the Past 10 Years
Min: 1.54  Med: 3.55 Max: 6.53
Current: 4.27
1.54
6.53
Net Margin % 76.79
NAS:AMIC's Net Margin % is ranked higher than
96% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.06 vs. NAS:AMIC: 76.79 )
Ranked among companies with meaningful Net Margin % only.
NAS:AMIC' s Net Margin % Range Over the Past 10 Years
Min: 0.85  Med: 2.14 Max: 76.79
Current: 76.79
0.85
76.79
ROE % 80.02
NAS:AMIC's ROE % is ranked higher than
99% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.82 vs. NAS:AMIC: 80.02 )
Ranked among companies with meaningful ROE % only.
NAS:AMIC' s ROE % Range Over the Past 10 Years
Min: 1.15  Med: 2.86 Max: 80.02
Current: 80.02
1.15
80.02
ROA % 45.23
NAS:AMIC's ROA % is ranked higher than
99% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.59 vs. NAS:AMIC: 45.23 )
Ranked among companies with meaningful ROA % only.
NAS:AMIC' s ROA % Range Over the Past 10 Years
Min: 0.71  Med: 1.86 Max: 45.23
Current: 45.23
0.71
45.23
3-Year Revenue Growth Rate 22.50
NAS:AMIC's 3-Year Revenue Growth Rate is ranked higher than
92% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. NAS:AMIC: 22.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:AMIC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.6 Max: 317.8
Current: 22.5
0
317.8
3-Year EBITDA Growth Rate 5.00
NAS:AMIC's 3-Year EBITDA Growth Rate is ranked higher than
51% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. NAS:AMIC: 5.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:AMIC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -52.6  Med: 6 Max: 22.2
Current: 5
-52.6
22.2
3-Year EPS without NRI Growth Rate -27.60
NAS:AMIC's 3-Year EPS without NRI Growth Rate is ranked lower than
92% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. NAS:AMIC: -27.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:AMIC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -50.6  Med: 16.4 Max: 79.1
Current: -27.6
-50.6
79.1
GuruFocus has detected 5 Warning Signs with American Independence Corp $NAS:AMIC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:AMIC's 10-Y Financials

Financials (Next Earnings Date: 2017-06-06 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

AMIC Guru Trades in Q4 2015

First Eagle Investment 149,639 sh (+0.40%)
» More
Q1 2016

AMIC Guru Trades in Q1 2016

First Eagle Investment 144,990 sh (-3.11%)
» More
Q2 2016

AMIC Guru Trades in Q2 2016

First Eagle Investment 136,920 sh (-5.57%)
» More
Q3 2016

AMIC Guru Trades in Q3 2016

First Eagle Investment Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with AMIC

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

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Business Description

Industry: Insurance - Life » Insurance - Life  
Compare:OTCPK:HNRDF, NAS:TIPT, NAS:AAME, NYSE:IHC, NAS:GWGH, OTCPK:UTGN, NYSE:CIA, OTCPK:IHRC, OTCPK:FLCR, OTCPK:KCLI, OTCPK:CSNRF, NAS:NWLI, NYSE:FFG, NYSE:FGL, NYSE:AEL, OTCPK:MMHDF, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, OTCPK:SLFPF » details
Traded in other countries:YSS1.Germany,
American Independence Corp is an insurance holding Company, which provides specialized health coverage and related services to commercial customers and individuals.

American Independence Corp is a Delaware corporation. The Company is an insurance holding Company, which provides specialized health coverage and related services to commercial customers and individuals. The Company focuses on niche health products and/or narrowly defined distribution channels in the United States. It's wholly owned subsidiary, Independence American Insurance Company, markets its products through IHC Risk Solutions, LLC, IHC Specialty Benefits, Inc., and IPA Family, LLC, which are subsidiaries of AMIC, and through independent brokers, producers and agents. Independence American is licensed to write property and/or casualty insurance in all 50 states and the District of Columbia, and has an A- (Excellent) rating from A.M. Best Company, Inc. Risk Solutions is a full-service direct writer of medical stop-loss insurance for self-insured employer groups. Risk Solutions has offices near Hartford, Connecticut and Philadelphia, Pennsylvania, and markets and underwrites employer medical stop-loss and group life mainly for Standard Security Life Insurance Company of New York. It also writes, to a much lesser extent, for three other carriers, including Madison National Life Insurance Company, Inc. and Independence American. Independence Holding Company and its subsidiaries including, among others, Standard Security Life and Madison National Life are collectively referred to as "IHC". Independence American writes group important medical, medical stop-loss, crucial medical plans for individuals and families, short-term medical, and dental, and began writing pet insurance in 2012.Independence American competes with many larger insurance and reinsurance companies and managed care organizations. Risk Solutions competes with many other managing general underwriters, insurance companies, and MCOs. AMIC is an insurance holding company; as such, AMIC and its subsidiaries are subject to regulation and supervision by multiple state insurance regulators, including the Office of the Insurance Commissioner of the State of Delaware.

Ratios

vs
industry
vs
history
PE Ratio 1.71
AMIC's PE Ratio is ranked higher than
98% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.60 vs. AMIC: 1.71 )
Ranked among companies with meaningful PE Ratio only.
AMIC' s PE Ratio Range Over the Past 10 Years
Min: 1.3  Med: 20.6 Max: 142.4
Current: 1.71
1.3
142.4
PE Ratio without NRI 57.49
AMIC's PE Ratio without NRI is ranked lower than
91% of the 98 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.60 vs. AMIC: 57.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
AMIC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.91  Med: 22.62 Max: 142.4
Current: 57.49
3.91
142.4
Price-to-Owner-Earnings 22.35
AMIC's Price-to-Owner-Earnings is ranked lower than
89% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. AMIC: 22.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AMIC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.07  Med: 14.48 Max: 40.56
Current: 22.35
9.07
40.56
PB Ratio 0.91
AMIC's PB Ratio is ranked higher than
74% of the 106 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.32 vs. AMIC: 0.91 )
Ranked among companies with meaningful PB Ratio only.
AMIC' s PB Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.67 Max: 1.56
Current: 0.91
0.24
1.56
PS Ratio 1.31
AMIC's PS Ratio is ranked lower than
58% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. AMIC: 1.31 )
Ranked among companies with meaningful PS Ratio only.
AMIC' s PS Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.51 Max: 1.32
Current: 1.31
0.17
1.32
Price-to-Free-Cash-Flow 650.53
AMIC's Price-to-Free-Cash-Flow is ranked lower than
100% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. AMIC: 650.53 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AMIC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.6  Med: 11.25 Max: 657.37
Current: 650.53
3.6
657.37
Price-to-Operating-Cash-Flow 650.53
AMIC's Price-to-Operating-Cash-Flow is ranked lower than
100% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. AMIC: 650.53 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AMIC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.6  Med: 11.25 Max: 657.37
Current: 650.53
3.6
657.37
EV-to-EBIT 30.41
AMIC's EV-to-EBIT is ranked lower than
98% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.63 vs. AMIC: 30.41 )
Ranked among companies with meaningful EV-to-EBIT only.
AMIC' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.9  Med: 13.5 Max: 66.1
Current: 30.41
3.9
66.1
EV-to-EBITDA 23.68
AMIC's EV-to-EBITDA is ranked lower than
92% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.30 vs. AMIC: 23.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
AMIC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3  Med: 10.5 Max: 41.8
Current: 23.68
3
41.8
PEG Ratio 5.64
AMIC's PEG Ratio is ranked lower than
86% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.32 vs. AMIC: 5.64 )
Ranked among companies with meaningful PEG Ratio only.
AMIC' s PEG Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.55 Max: 8.49
Current: 5.64
0.19
8.49
Shiller PE Ratio 13.43
AMIC's Shiller PE Ratio is ranked higher than
81% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.59 vs. AMIC: 13.43 )
Ranked among companies with meaningful Shiller PE Ratio only.
AMIC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.62  Med: 21.05 Max: 49
Current: 13.43
7.62
49

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.70
AMIC's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. AMIC: 0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AMIC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -59.9  Med: -0.2 Max: 3.5
Current: 0.7
-59.9
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.99
AMIC's Price-to-Tangible-Book is ranked higher than
75% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.87 vs. AMIC: 0.99 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AMIC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 1.08 Max: 3788.97
Current: 0.99
0.41
3788.97
Price-to-Intrinsic-Value-Projected-FCF 0.74
AMIC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
64% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. AMIC: 0.74 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AMIC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.44 Max: 11.91
Current: 0.74
0.14
11.91
Price-to-Median-PS-Value 2.57
AMIC's Price-to-Median-PS-Value is ranked lower than
99% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AMIC: 2.57 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AMIC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4  Med: 1.94 Max: 2925
Current: 2.57
0.4
2925
Price-to-Peter-Lynch-Fair-Value 8.13
AMIC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
100% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. AMIC: 8.13 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
AMIC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.21  Med: 1.58 Max: 8.13
Current: 8.13
0.21
8.13
Price-to-Graham-Number 1.59
AMIC's Price-to-Graham-Number is ranked lower than
79% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. AMIC: 1.59 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AMIC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.19  Med: 0.99 Max: 3.98
Current: 1.59
0.19
3.98
Earnings Yield (Greenblatt) % 3.29
AMIC's Earnings Yield (Greenblatt) % is ranked lower than
83% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.41 vs. AMIC: 3.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AMIC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.5  Med: 7.4 Max: 25.6
Current: 3.29
1.5
25.6
Forward Rate of Return (Yacktman) % 10.63
AMIC's Forward Rate of Return (Yacktman) % is ranked lower than
70% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.61 vs. AMIC: 10.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AMIC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -18.6  Med: 12.1 Max: 30.1
Current: 10.63
-18.6
30.1

More Statistics

Revenue (TTM) (Mil) $152.9
EPS (TTM) $ 14.47
Short Percentage of Float2.82%
52-Week Range $8.50 - 25.98
Shares Outstanding (Mil)8.12
» More Articles for NAS:AMIC

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American Independence Corp. Reports Operating Results (10-K) Mar 18 2011 
American Independence Corp. Reports Operating Results (10-Q) May 17 2010 

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