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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 : 7/10

vs
industry
vs
history
Cash to Debt 3.86
AMIC's Cash to Debt is ranked lower than
57% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.67 vs. AMIC: 3.86 )
Ranked among companies with meaningful Cash to Debt only.
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
AMIC's Equity to Asset is ranked higher than
95% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. AMIC: 0.69 )
Ranked among companies with meaningful Equity to Asset only.
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
AMIC's Interest Coverage is ranked higher than
69% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 234.27 vs. AMIC: N/A )
Ranked among companies with meaningful Interest Coverage only.
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
F-Score: 4
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 : 6/10

vs
industry
vs
history
Operating margin (%) 4.27
AMIC's Operating margin (%) is ranked lower than
71% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.54 vs. AMIC: 4.27 )
Ranked among companies with meaningful Operating margin (%) only.
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
AMIC's Net-margin (%) is ranked higher than
97% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.75 vs. AMIC: 76.79 )
Ranked among companies with meaningful Net-margin (%) only.
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
AMIC's ROE (%) is ranked higher than
99% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.06 vs. AMIC: 80.02 )
Ranked among companies with meaningful ROE (%) only.
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
AMIC's ROA (%) is ranked higher than
99% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.71 vs. AMIC: 45.23 )
Ranked among companies with meaningful ROA (%) only.
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
Revenue Growth (3Y)(%) 22.50
AMIC's Revenue Growth (3Y)(%) is ranked higher than
93% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.10 vs. AMIC: 22.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AMIC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.6 Max: 317.8
Current: 22.5
0
317.8
EBITDA Growth (3Y)(%) 5.00
AMIC's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. AMIC: 5.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AMIC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.6  Med: 6 Max: 22.2
Current: 5
-52.6
22.2
EPS Growth (3Y)(%) -27.60
AMIC's EPS Growth (3Y)(%) is ranked lower than
96% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. AMIC: -27.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AMIC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -50.6  Med: 16.4 Max: 79.1
Current: -27.6
-50.6
79.1
» AMIC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-09)


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

» Details

Guru Trades

Q3 2015

AMIC Guru Trades in Q3 2015

First Eagle Investment 149,039 sh (+0.04%)
» More
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
» 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:NYSE:PNX, NAS:TIPT, NYSE:IHC, NAS:AAME, NAS:GWGH, OTCPK:IHRC, OTCPK:MDWT, OTCPK:KCLI, NYSE:CIA, NAS:NWLI, NYSE:FGL, NYSE:AEL, NYSE:FFG, NYSE:PRI, NYSE:CNO, OTCPK:MMHDF, NYSE:SFG, OTCPK:STJPF, NYSE:TMK, OTCPK:TDHOY » 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
P/E(ttm) 1.71
AMIC's P/E(ttm) is ranked higher than
98% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.09 vs. AMIC: 1.71 )
Ranked among companies with meaningful P/E(ttm) only.
AMIC' s P/E(ttm) Range Over the Past 10 Years
Min: 1.3  Med: 20.26 Max: 142.4
Current: 1.71
1.3
142.4
PE(NRI) 57.49
AMIC's PE(NRI) is ranked lower than
92% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.53 vs. AMIC: 57.49 )
Ranked among companies with meaningful PE(NRI) only.
AMIC' s PE(NRI) Range Over the Past 10 Years
Min: 3.91  Med: 22.26 Max: 142.4
Current: 57.49
3.91
142.4
Price/Owner Earnings (ttm) 22.35
AMIC's Price/Owner Earnings (ttm) is ranked lower than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.44 vs. AMIC: 22.35 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
AMIC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.07  Med: 18.77 Max: 40.56
Current: 22.35
9.07
40.56
P/B 0.91
AMIC's P/B is ranked higher than
56% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. AMIC: 0.91 )
Ranked among companies with meaningful P/B only.
AMIC' s P/B Range Over the Past 10 Years
Min: 0.24  Med: 0.71 Max: 1.56
Current: 0.91
0.24
1.56
P/S 1.31
AMIC's P/S is ranked lower than
65% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. AMIC: 1.31 )
Ranked among companies with meaningful P/S only.
AMIC' s P/S Range Over the Past 10 Years
Min: 0.17  Med: 0.51 Max: 1.32
Current: 1.31
0.17
1.32
POCF 650.53
AMIC's POCF is ranked lower than
100% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.94 vs. AMIC: 650.53 )
Ranked among companies with meaningful POCF only.
AMIC' s POCF Range Over the Past 10 Years
Min: 3.6  Med: 11.19 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 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.76 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: 13.65 Max: 66.1
Current: 30.41
3.9
66.1
EV-to-EBITDA 23.68
AMIC's EV-to-EBITDA is ranked lower than
98% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.95 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: 10.8 Max: 41.8
Current: 23.68
3
41.8
PEG 5.64
AMIC's PEG is ranked lower than
92% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.41 vs. AMIC: 5.64 )
Ranked among companies with meaningful PEG only.
AMIC' s PEG Range Over the Past 10 Years
Min: 0.19  Med: 1.55 Max: 8.49
Current: 5.64
0.19
8.49
Shiller P/E 13.43
AMIC's Shiller P/E is ranked higher than
71% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.84 vs. AMIC: 13.43 )
Ranked among companies with meaningful Shiller P/E only.
AMIC' s Shiller P/E 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
69% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 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/Tangible Book 0.99
AMIC's Price/Tangible Book is ranked higher than
61% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.43 vs. AMIC: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
AMIC' s Price/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/Projected FCF 1.14
AMIC's Price/Projected FCF is ranked lower than
82% of the 44 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. AMIC: 1.14 )
Ranked among companies with meaningful Price/Projected FCF only.
AMIC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.85 Max: 11.91
Current: 1.14
0.35
11.91
Price/Median PS Value 2.57
AMIC's Price/Median PS Value is ranked lower than
100% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. AMIC: 2.57 )
Ranked among companies with meaningful Price/Median PS Value only.
AMIC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.94 Max: 2925
Current: 2.57
0.4
2925
Price/Peter Lynch Fair Value 8.13
AMIC's Price/Peter Lynch Fair Value is ranked lower than
100% of the 28 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. AMIC: 8.13 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AMIC' s Price/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/Graham Number 1.59
AMIC's Price/Graham Number is ranked lower than
84% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.97 vs. AMIC: 1.59 )
Ranked among companies with meaningful Price/Graham Number only.
AMIC' s Price/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) (%) 3.30
AMIC's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.90 vs. AMIC: 3.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AMIC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 7.35 Max: 25.6
Current: 3.3
1.5
25.6
Forward Rate of Return (Yacktman) (%) 7.08
AMIC's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.20 vs. AMIC: 7.08 )
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: -30.1  Med: 2.5 Max: 20.5
Current: 7.08
-30.1
20.5

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 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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