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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.25
ANAT's Cash to Debt is ranked higher than
79% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. ANAT: 1.25 )
ANAT' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 1.25

Equity to Asset 0.19
ANAT's Equity to Asset is ranked higher than
86% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. ANAT: 0.19 )
ANAT' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.35
Current: 0.19

0.16
0.35
F-Score: 5
Z-Score: 0.51
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 (%) 10.70
ANAT's Operating margin (%) is ranked higher than
89% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.45 vs. ANAT: 10.70 )
ANAT' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 11.62
Current: 10.7

-11.9
11.62
Net-margin (%) 7.95
ANAT's Net-margin (%) is ranked higher than
88% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. ANAT: 7.95 )
ANAT' s 10-Year Net-margin (%) Range
Min: -6.11   Max: 15.41
Current: 7.95

-6.11
15.41
ROE (%) 5.79
ANAT's ROE (%) is ranked higher than
76% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. ANAT: 5.79 )
ANAT' s 10-Year ROE (%) Range
Min: -4.48   Max: 9.59
Current: 5.79

-4.48
9.59
ROA (%) 1.05
ANAT's ROA (%) is ranked higher than
83% of the 184 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. ANAT: 1.05 )
ANAT' s 10-Year ROA (%) Range
Min: -0.84   Max: 3.15
Current: 1.05

-0.84
3.15
ROC (Joel Greenblatt) (%) 301.77
ANAT's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 204.78 vs. ANAT: 301.77 )
ANAT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -338.97   Max: 742.61
Current: 301.77

-338.97
742.61
Revenue Growth (%) 0.20
ANAT's Revenue Growth (%) is ranked higher than
83% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ANAT: 0.20 )
ANAT' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.7
Current: 0.2

0
12.7
EBITDA Growth (%) 15.00
ANAT's EBITDA Growth (%) is ranked higher than
91% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. ANAT: 15.00 )
ANAT' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 81.8
Current: 15

0
81.8
EPS Growth (%) 22.20
ANAT's EPS Growth (%) is ranked higher than
92% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. ANAT: 22.20 )
ANAT' s 10-Year EPS Growth (%) Range
Min: -60.4   Max: 141.5
Current: 22.2

-60.4
141.5
» ANAT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

ANAT Guru Trades in Q4 2013

Tweedy Browne Global Value 75,700 sh (unchged)
Chuck Royce 145,093 sh (unchged)
Tweedy Browne 401,408 sh (-0.13%)
Donald Smith 1,513,853 sh (-0.77%)
Joel Greenblatt 3,416 sh (-7.02%)
Jim Simons 18,000 sh (-15.49%)
» More
Q1 2014

ANAT Guru Trades in Q1 2014

Chuck Royce 159,593 sh (+9.99%)
Tweedy Browne Global Value 75,700 sh (unchged)
Joel Greenblatt Sold Out
Tweedy Browne 397,289 sh (-1.03%)
Jim Simons 16,314 sh (-9.37%)
Donald Smith 1,349,849 sh (-10.83%)
» More
Q2 2014

ANAT Guru Trades in Q2 2014

Jim Simons 21,800 sh (+33.63%)
Donald Smith 1,500,621 sh (+11.17%)
Chuck Royce 159,593 sh (unchged)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 391,476 sh (-1.46%)
» More
Q3 2014

ANAT Guru Trades in Q3 2014

Donald Smith 1,504,759 sh (+0.28%)
Chuck Royce 159,593 sh (unchged)
Tweedy Browne Global Value 75,700 sh (unchged)
Jim Simons 21,543 sh (-1.18%)
Tweedy Browne 385,771 sh (-1.46%)
» More
» Details

Insider Trades

Latest Guru Trades with ANAT

(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
Donald Smith 2014-06-30 Add 11.17%0.32%$105.4 - $117.21 $ 114.81%1500621
Donald Smith 2014-03-31 Reduce -10.83%0.38%$102.66 - $117.31 $ 114.83%1349849
Joel Greenblatt 2014-03-31 Sold Out 0.01%$102.66 - $117.31 $ 114.83%0
Donald Smith 2013-09-30 Reduce -4.12%0.14%$97.2 - $116.32 $ 114.87%1525673
Joel Greenblatt 2013-09-30 Add 41.14%$97.2 - $116.32 $ 114.87%3674
Donald Smith 2012-12-31 Add 10.7%0.3%$64.17 - $73.96 $ 114.865%1609843
Joel Greenblatt 2012-12-31 New Buy0.01%$64.17 - $73.96 $ 114.865%3302
Donald Smith 2012-03-31 Add 7.05%0.19%$70.57 - $75.74 $ 114.870%1369930
Donald Smith 2011-12-31 Add 7.52%0.2%$67.02 - $74.67 $ 114.861%1279656
Donald Smith 2011-09-30 Add 8.4%0.23%$66.3 - $78.74 $ 114.856%1190168
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) 12.60
ANAT's P/E(ttm) is ranked higher than
85% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.70 vs. ANAT: 12.60 )
ANAT' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 208.45
Current: 12.6

9.31
208.45
P/B 0.70
ANAT's P/B is ranked higher than
95% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. ANAT: 0.70 )
ANAT' s 10-Year P/B Range
Min: 0.31   Max: 1.16
Current: 0.7

0.31
1.16
P/S 1.00
ANAT's P/S is ranked higher than
81% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. ANAT: 1.00 )
ANAT' s 10-Year P/S Range
Min: 0.38   Max: 1.81
Current: 1

0.38
1.81
PFCF 5.68
ANAT's PFCF is ranked higher than
94% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 27.27 vs. ANAT: 5.68 )
ANAT' s 10-Year PFCF Range
Min: 2.39   Max: 13.53
Current: 5.68

2.39
13.53
EV-to-EBIT 8.24
ANAT's EV-to-EBIT is ranked higher than
87% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.73 vs. ANAT: 8.24 )
ANAT' s 10-Year EV-to-EBIT Range
Min: -201.9   Max: 57.9
Current: 8.24

-201.9
57.9
PEG 0.24
ANAT's PEG is ranked higher than
99% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. ANAT: 0.24 )
ANAT' s 10-Year PEG Range
Min: 0.29   Max: 11.47
Current: 0.24

0.29
11.47
Shiller P/E 19.43
ANAT's Shiller P/E is ranked higher than
87% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.16 vs. ANAT: 19.43 )
ANAT' s 10-Year Shiller P/E Range
Min: 5.42   Max: 29.21
Current: 19.43

5.42
29.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.68
ANAT's Dividend Yield is ranked lower than
53% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.76 vs. ANAT: 2.68 )
ANAT' s 10-Year Dividend Yield Range
Min: 1.91   Max: 8.71
Current: 2.68

1.91
8.71
Dividend Payout 0.34
ANAT's Dividend Payout is ranked higher than
82% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.56 vs. ANAT: 0.34 )
ANAT' s 10-Year Dividend Payout Range
Min: 0.16   Max: 3.22
Current: 0.34

0.16
3.22
Yield on cost (5-Year) 2.70
ANAT's Yield on cost (5-Year) is ranked lower than
55% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.27 vs. ANAT: 2.70 )
ANAT' s 10-Year Yield on cost (5-Year) Range
Min: 1.91   Max: 8.71
Current: 2.7

1.91
8.71
Share Buyback Rate -0.30
ANAT's Share Buyback Rate is ranked higher than
85% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ANAT: -0.30 )
ANAT' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -0.3
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
ANAT's Price/Tangible Book is ranked higher than
96% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.68 vs. ANAT: 0.70 )
ANAT' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 1.12
Current: 0.7

0.44
1.12
Price/DCF (Projected) 0.41
ANAT's Price/DCF (Projected) is ranked higher than
94% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.94 vs. ANAT: 0.41 )
ANAT' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 0.76
Current: 0.41

0.25
0.76
Price/Median PS Value 1.09
ANAT's Price/Median PS Value is ranked higher than
84% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.19 vs. ANAT: 1.09 )
ANAT' s 10-Year Price/Median PS Value Range
Min: 0.62   Max: 1.91
Current: 1.09

0.62
1.91
Price/Peter Lynch Fair Value 0.51
ANAT's Price/Peter Lynch Fair Value is ranked higher than
99% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. ANAT: 0.51 )
ANAT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.36   Max: 13.65
Current: 0.51

0.36
13.65
Price/Graham Number 0.62
ANAT's Price/Graham Number is ranked higher than
96% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. ANAT: 0.62 )
ANAT' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 2.89
Current: 0.62

0.35
2.89
Earnings Yield (Greenblatt) 12.10
ANAT's Earnings Yield (Greenblatt) is ranked higher than
85% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ANAT: 12.10 )
ANAT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 20
Current: 12.1

1.7
20
Forward Rate of Return (Yacktman) 28.18
ANAT's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.48 vs. ANAT: 28.18 )
ANAT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.2   Max: 45.8
Current: 28.18

3.2
45.8

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, AZSEY, AXAHF, ZFSVF, AIZ » details
American National Insurance was founded in 1905. The Company's core businesses are life insurance, annuities and property and casualty insurance. It also offers limited health insurance. The Company provides personalized service to approximately six million policyholders throughout the United States, Puerto Rico, Guam, and American Samoa. The Company organizes business into following operating segments; Life, Annuity, Health, Property and Casualty. Life segment markets whole, term, universal, indexed and variable life insurance on a national basis mainly through career and multiple-line agents, as well as independent agents and direct marketing channels. Annuity segment offers fixed, indexed, and variable annuity products. These products are mainly sold through independent agents, brokers, and financial institutions, along with multiple-line and career agents. In Health segment, primary lines of business are Medicare supplement, stop loss, other supplemental health products and credit disability insurance. Health products are distributed through independent agents and managing general underwriters. Property and Casualty segment writes personal, agricultural and commercial coverages and credit-related property insurance. These products are mainly sold through multiple-line and independent agents. The Company competes with various domestic and foreign insurance companies, many of which offer one or more similar products. It also competes with domestic and foreign securities firms, investment advisors, mutual funds, banks and other financial institutions. The Company's insurance operations are subject to extensive regulation, mainly at the state level.
» More Articles for ANAT

Headlines

Articles On GuruFocus.com
Apr 28 2012 
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American National Insurance Company (ANAT) President and COO George Richard Ferdinandtsen buys 3,000 Aug 04 2010 
IRWIN MICHAEL: VOLATILITY WILL CONTINUE: Updates on American National Insurance Co. and Fortress Pap Jul 04 2010 
American National Insurance Company Reports Operating Results (10-Q) Nov 06 2009 
Tweedy Browne Buys Sysco Corp., Johnson & Johnson, Philip Morris International, Sells Urstadt Biddle Aug 10 2009 
American National Insurance Company Reports Operating Results (10-Q) Aug 07 2009 
American National Announces Second Quarter 2009 Results Jul 28 2009 
American National Announces Second Quarter 2009 Results Jul 28 2009 

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