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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 : 9/10

vs
industry
vs
history
Cash to Debt No Debt
AMIC's Cash to Debt is ranked higher than
92% of the 145 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.85 vs. AMIC: No Debt )
AMIC' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: No Debt

Equity to Asset 0.54
AMIC's Equity to Asset is ranked higher than
98% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. AMIC: 0.54 )
AMIC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.91
Current: 0.54

0.1
0.91
Interest Coverage No Debt
AMIC's Interest Coverage is ranked higher than
95% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 vs. AMIC: No Debt )
AMIC' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 5
Z-Score: 1.99
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 : 7/10

vs
industry
vs
history
Operating margin (%) 2.83
AMIC's Operating margin (%) is ranked higher than
66% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.16 vs. AMIC: 2.83 )
AMIC' s 10-Year Operating margin (%) Range
Min: -510.4   Max: 17.22
Current: 2.83

-510.4
17.22
Net-margin (%) 1.51
AMIC's Net-margin (%) is ranked higher than
66% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.24 vs. AMIC: 1.51 )
AMIC' s 10-Year Net-margin (%) Range
Min: -1700200   Max: 22.81
Current: 1.51

-1700200
22.81
ROE (%) 2.46
AMIC's ROE (%) is ranked higher than
65% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.53 vs. AMIC: 2.46 )
AMIC' s 10-Year ROE (%) Range
Min: -242.89   Max: 18.94
Current: 2.46

-242.89
18.94
ROA (%) 1.47
AMIC's ROA (%) is ranked higher than
93% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.68 vs. AMIC: 1.47 )
AMIC' s 10-Year ROA (%) Range
Min: -120.66   Max: 13.8
Current: 1.47

-120.66
13.8
Revenue Growth (%) 21.70
AMIC's Revenue Growth (%) is ranked higher than
97% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.70 vs. AMIC: 21.70 )
AMIC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 317.7
Current: 21.7

0
317.7
EBITDA Growth (%) 15.80
AMIC's EBITDA Growth (%) is ranked higher than
94% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. AMIC: 15.80 )
AMIC' s 10-Year EBITDA Growth (%) Range
Min: -48.5   Max: 257.4
Current: 15.8

-48.5
257.4
EPS Growth (%) 18.90
AMIC's EPS Growth (%) is ranked higher than
93% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. AMIC: 18.90 )
AMIC' s 10-Year EPS Growth (%) Range
Min: -50.6   Max: 79.1
Current: 18.9

-50.6
79.1
» AMIC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

AMIC Guru Trades in Q3 2013

Jean-Marie Eveillard 166,574 sh (unchged)
» More
Q4 2013

AMIC Guru Trades in Q4 2013

Jean-Marie Eveillard 113,917 sh (-31.61%)
» More
Q1 2014

AMIC Guru Trades in Q1 2014

Jean-Marie Eveillard 113,917 sh (unchged)
» More
Q2 2014

AMIC Guru Trades in Q2 2014

Jean-Marie Eveillard 113,917 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Jean-Marie Eveillard 2013-12-31 Reduce -31.61%$9.71 - $12.75 $ 10.85-3%113917
Jean-Marie Eveillard 2012-03-31 Reduce -23.01%$4.2 - $4.89 $ 10.85162%168304
Jean-Marie Eveillard 2011-09-30 Reduce -21.8%$4.78 - $6.05 $ 10.8594%218604
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 )

Ratios

vs
industry
vs
history
P/E(ttm) 35.50
AMIC's P/E(ttm) is ranked higher than
65% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.00 vs. AMIC: 35.50 )
AMIC' s 10-Year P/E(ttm) Range
Min: 3.92   Max: 127.14
Current: 35.5

3.92
127.14
P/B 1.00
AMIC's P/B is ranked higher than
86% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.47 vs. AMIC: 1.00 )
AMIC' s 10-Year P/B Range
Min: 0.24   Max: 1.96
Current: 1

0.24
1.96
P/S 0.54
AMIC's P/S is ranked higher than
87% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. AMIC: 0.54 )
AMIC' s 10-Year P/S Range
Min: 0.17   Max: 2.3
Current: 0.54

0.17
2.3
PFCF 11.19
AMIC's PFCF is ranked higher than
73% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.81 vs. AMIC: 11.19 )
AMIC' s 10-Year PFCF Range
Min: 3.6   Max: 71.43
Current: 11.19

3.6
71.43
EV-to-EBIT 18.60
AMIC's EV-to-EBIT is ranked higher than
72% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.92 vs. AMIC: 18.60 )
AMIC' s 10-Year EV-to-EBIT Range
Min: 4.3   Max: 66.1
Current: 18.6

4.3
66.1
PEG 3.04
AMIC's PEG is ranked higher than
84% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.60 vs. AMIC: 3.04 )
AMIC' s 10-Year PEG Range
Min: 0.2   Max: 18.95
Current: 3.04

0.2
18.95
Shiller P/E 24.64
AMIC's Shiller P/E is ranked higher than
80% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.72 vs. AMIC: 24.64 )
AMIC' s 10-Year Shiller P/E Range
Min: 3.83   Max: 96.73
Current: 24.64

3.83
96.73

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
AMIC's Price/Tangible Book is ranked higher than
87% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.66 vs. AMIC: 1.14 )
AMIC' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 3662.5
Current: 1.14

0.41
3662.5
Price/DCF (Projected) 0.67
AMIC's Price/DCF (Projected) is ranked higher than
77% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.42 vs. AMIC: 0.67 )
AMIC' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 11.91
Current: 0.67

0.14
11.91
Price/Median PS Value 0.98
AMIC's Price/Median PS Value is ranked higher than
82% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. AMIC: 0.98 )
AMIC' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 1096.88
Current: 0.98

0.37
1096.88
Price/Peter Lynch Fair Value 2.39
AMIC's Price/Peter Lynch Fair Value is ranked higher than
86% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. AMIC: 2.39 )
AMIC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.22   Max: 7.65
Current: 2.39

0.22
7.65
Price/Graham Number 1.17
AMIC's Price/Graham Number is ranked higher than
73% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. AMIC: 1.17 )
AMIC' s 10-Year Price/Graham Number Range
Min: 0.31   Max: 18.08
Current: 1.17

0.31
18.08
Earnings Yield (Greenblatt) 5.40
AMIC's Earnings Yield (Greenblatt) is ranked higher than
68% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.80 vs. AMIC: 5.40 )
AMIC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 23.2
Current: 5.4

1.5
23.2
Forward Rate of Return (Yacktman) 19.35
AMIC's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.57 vs. AMIC: 19.35 )
AMIC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -53.9   Max: 28.6
Current: 19.35

-53.9
28.6

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:YSS1.Germany
American Independence Corporation 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 major medical, medical stop-loss, major 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.
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