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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 No Debt
AMIC's Cash to Debt is ranked higher than
99% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.42 vs. AMIC: No Debt )
Ranked among companies with meaningful Cash to Debt only.
AMIC' s 10-Year Cash to Debt Range
Min: 0.01  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.52
AMIC's Equity to Asset is ranked higher than
91% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. AMIC: 0.52 )
Ranked among companies with meaningful Equity to Asset only.
AMIC' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.62 Max: 0.91
Current: 0.52
0.1
0.91
Interest Coverage No Debt
AMIC's Interest Coverage is ranked higher than
98% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. AMIC: No Debt )
Ranked among companies with meaningful Interest Coverage only.
AMIC' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 5
WACC vs ROIC
2.28%
5.88%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 2.76
AMIC's Operating margin (%) is ranked lower than
84% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. AMIC: 2.76 )
Ranked among companies with meaningful Operating margin (%) only.
AMIC' s 10-Year Operating margin (%) Range
Min: -510.4  Med: 4.00 Max: 17.22
Current: 2.76
-510.4
17.22
Net-margin (%) 3.22
AMIC's Net-margin (%) is ranked lower than
73% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. AMIC: 3.22 )
Ranked among companies with meaningful Net-margin (%) only.
AMIC' s 10-Year Net-margin (%) Range
Min: -1700200  Med: 1.78 Max: 22.81
Current: 3.22
-1700200
22.81
ROE (%) 5.73
AMIC's ROE (%) is ranked lower than
76% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.97 vs. AMIC: 5.73 )
Ranked among companies with meaningful ROE (%) only.
AMIC' s 10-Year ROE (%) Range
Min: -247.79  Med: 1.77 Max: 18.94
Current: 5.73
-247.79
18.94
ROA (%) 3.16
AMIC's ROA (%) is ranked higher than
87% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.68 vs. AMIC: 3.16 )
Ranked among companies with meaningful ROA (%) only.
AMIC' s 10-Year ROA (%) Range
Min: -120.66  Med: 1.10 Max: 13.8
Current: 3.16
-120.66
13.8
Revenue Growth (3Y)(%) 25.20
AMIC's Revenue Growth (3Y)(%) is ranked higher than
87% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. AMIC: 25.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AMIC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.20 Max: 317.7
Current: 25.2
0
317.7
EBITDA Growth (3Y)(%) 6.90
AMIC's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.10 vs. AMIC: 6.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AMIC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -23.80 Max: 257.4
Current: 6.9
0
257.4
EPS Growth (3Y)(%) 30.90
AMIC's EPS Growth (3Y)(%) is ranked higher than
80% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. AMIC: 30.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AMIC' s 10-Year EPS Growth (3Y)(%) Range
Min: -50.6  Med: 16.40 Max: 79.1
Current: 30.9
-50.6
79.1
» AMIC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

AMIC Guru Trades in Q2 2014

First Eagle Investment 113,917 sh (unchged)
» More
Q3 2014

AMIC Guru Trades in Q3 2014

First Eagle Investment 125,611 sh (+10.27%)
» More
Q4 2014

AMIC Guru Trades in Q4 2014

First Eagle Investment 136,074 sh (+8.33%)
» More
Q1 2015

AMIC Guru Trades in Q1 2015

First Eagle Investment 143,711 sh (+5.61%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.14
AMIC's P/E(ttm) is ranked lower than
62% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.50 vs. AMIC: 16.14 )
Ranked among companies with meaningful P/E(ttm) only.
AMIC' s 10-Year P/E(ttm) Range
Min: 3.92  Med: 20.74 Max: 127.14
Current: 16.14
3.92
127.14
Forward P/E 18.38
AMIC's Forward P/E is ranked lower than
86% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.76 vs. AMIC: 18.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.10
AMIC's PE(NRI) is ranked lower than
62% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. AMIC: 16.10 )
Ranked among companies with meaningful PE(NRI) only.
AMIC' s 10-Year PE(NRI) Range
Min: 3.9  Med: 20.82 Max: 142.4
Current: 16.1
3.9
142.4
P/B 0.93
AMIC's P/B is ranked higher than
63% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. AMIC: 0.93 )
Ranked among companies with meaningful P/B only.
AMIC' s 10-Year P/B Range
Min: 0.24  Med: 0.78 Max: 1.74
Current: 0.93
0.24
1.74
P/S 0.52
AMIC's P/S is ranked higher than
74% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. AMIC: 0.52 )
Ranked among companies with meaningful P/S only.
AMIC' s 10-Year P/S Range
Min: 0.17  Med: 0.52 Max: 1.75
Current: 0.52
0.17
1.75
POCF 19.65
AMIC's POCF is ranked lower than
93% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.42 vs. AMIC: 19.65 )
Ranked among companies with meaningful POCF only.
AMIC' s 10-Year POCF Range
Min: 3.6  Med: 11.85 Max: 116.25
Current: 19.65
3.6
116.25
EV-to-EBIT 18.67
AMIC's EV-to-EBIT is ranked lower than
91% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.99 vs. AMIC: 18.67 )
Ranked among companies with meaningful EV-to-EBIT only.
AMIC' s 10-Year EV-to-EBIT Range
Min: 4.3  Med: 13.30 Max: 66.1
Current: 18.67
4.3
66.1
PEG 2.12
AMIC's PEG is ranked lower than
86% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. AMIC: 2.12 )
Ranked among companies with meaningful PEG only.
AMIC' s 10-Year PEG Range
Min: 0.2  Med: 1.37 Max: 10.32
Current: 2.12
0.2
10.32
Shiller P/E 20.53
AMIC's Shiller P/E is ranked lower than
69% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.08 vs. AMIC: 20.53 )
Ranked among companies with meaningful Shiller P/E only.
AMIC' s 10-Year Shiller P/E Range
Min: 3.83  Med: 18.96 Max: 96.73
Current: 20.53
3.83
96.73
Days Sales Outstanding 38.14
AMIC's Days Sales Outstanding is ranked lower than
60% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 31.81 vs. AMIC: 38.14 )
Ranked among companies with meaningful Days Sales Outstanding only.
AMIC' s 10-Year Days Sales Outstanding Range
Min: 9.35  Med: 58.18 Max: 36500
Current: 38.14
9.35
36500

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
AMIC's Price/Tangible Book is ranked higher than
64% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.75 vs. AMIC: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
AMIC' s 10-Year Price/Tangible Book Range
Min: 0.41  Med: 1.18 Max: 3662.5
Current: 1.04
0.41
3662.5
Price/Projected FCF 1.16
AMIC's Price/Projected FCF is ranked lower than
77% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.58 vs. AMIC: 1.16 )
Ranked among companies with meaningful Price/Projected FCF only.
AMIC' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 0.65 Max: 11.91
Current: 1.16
0.24
11.91
Price/Median PS Value 1.00
AMIC's Price/Median PS Value is ranked higher than
66% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.06 vs. AMIC: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
AMIC' s 10-Year Price/Median PS Value Range
Min: 0.39  Med: 2.23 Max: 1253.57
Current: 1
0.39
1253.57
Price/Peter Lynch Fair Value 1.38
AMIC's Price/Peter Lynch Fair Value is ranked lower than
60% of the 25 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. AMIC: 1.38 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AMIC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.22  Med: 1.47 Max: 7.65
Current: 1.38
0.22
7.65
Price/Graham Number 0.87
AMIC's Price/Graham Number is ranked higher than
62% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. AMIC: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
AMIC' s 10-Year Price/Graham Number Range
Min: 0.31  Med: 0.92 Max: 18.08
Current: 0.87
0.31
18.08
Earnings Yield (Greenblatt) (%) 5.32
AMIC's Earnings Yield (Greenblatt) (%) is ranked lower than
81% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. AMIC: 5.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AMIC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 7.50 Max: 23.2
Current: 5.32
1.5
23.2
Forward Rate of Return (Yacktman) (%) 11.69
AMIC's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.84 vs. AMIC: 11.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AMIC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -27.3  Med: 1.70 Max: 20
Current: 11.69
-27.3
20

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:YSS1.Germany,
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.
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