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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 2.13
ANAT's Cash-to-Debt is ranked lower than
51% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. ANAT: 2.13 )
Ranked among companies with meaningful Cash-to-Debt only.
ANAT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.43  Med: 2.03 Max: N/A
Current: 2.13
Equity-to-Asset 0.19
ANAT's Equity-to-Asset is ranked lower than
76% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. ANAT: 0.19 )
Ranked among companies with meaningful Equity-to-Asset only.
ANAT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.2 Max: 0.34
Current: 0.19
0.16
0.34
Interest Coverage N/A
ANAT's Interest Coverage is ranked higher than
70% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. ANAT: N/A )
Ranked among companies with meaningful Interest Coverage only.
ANAT' s Interest Coverage Range Over the Past 10 Years
Min: N/A  Med: N/A Max: No Debt
Current: N/A
N/A
No Debt
Beneish M-Score: -2.34
WACC vs ROIC
10.30%
2.98%
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 : 4/10

vs
industry
vs
history
Operating Margin % 6.17
ANAT's Operating Margin % is ranked lower than
61% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. ANAT: 6.17 )
Ranked among companies with meaningful Operating Margin % only.
ANAT' s Operating Margin % Range Over the Past 10 Years
Min: -11.9  Med: 8.61 Max: 11.62
Current: 6.17
-11.9
11.62
Net Margin % 5.61
ANAT's Net Margin % is ranked lower than
57% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. ANAT: 5.61 )
Ranked among companies with meaningful Net Margin % only.
ANAT' s Net Margin % Range Over the Past 10 Years
Min: -6.11  Med: 6.36 Max: 8.54
Current: 5.61
-6.11
8.54
ROE % 3.95
ANAT's ROE % is ranked lower than
77% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. ANAT: 3.95 )
Ranked among companies with meaningful ROE % only.
ANAT' s ROE % Range Over the Past 10 Years
Min: -4.48  Med: 5.19 Max: 6.65
Current: 3.95
-4.48
6.65
ROA % 0.75
ANAT's ROA % is ranked lower than
78% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. ANAT: 0.75 )
Ranked among companies with meaningful ROA % only.
ANAT' s ROA % Range Over the Past 10 Years
Min: -0.84  Med: 0.86 Max: 1.32
Current: 0.75
-0.84
1.32
3-Year Revenue Growth Rate 1.10
ANAT's 3-Year Revenue Growth Rate is ranked lower than
70% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. ANAT: 1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ANAT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6  Med: 1.6 Max: 12.7
Current: 1.1
-6
12.7
3-Year EBITDA Growth Rate -14.70
ANAT's 3-Year EBITDA Growth Rate is ranked lower than
78% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.60 vs. ANAT: -14.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ANAT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -14.7 Max: 81.9
Current: -14.7
0
81.9
3-Year EPS without NRI Growth Rate -12.20
ANAT's 3-Year EPS without NRI Growth Rate is ranked lower than
76% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. ANAT: -12.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ANAT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.4  Med: 8.3 Max: 140.2
Current: -12.2
-60.4
140.2
GuruFocus has detected 2 Warning Signs with American National Insurance Co $ANAT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ANAT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

ANAT Guru Trades in Q1 2016

Jim Simons 135,900 sh (+33.50%)
Tweedy Browne Global Value 75,700 sh (unchged)
Donald Smith 937,348 sh (-31.24%)
Tweedy Browne 145,033 sh (-59.16%)
» More
Q2 2016

ANAT Guru Trades in Q2 2016

Jeremy Grantham 14,484 sh (New)
Jim Simons 149,700 sh (+10.15%)
Tweedy Browne Global Value 75,700 sh (unchged)
Donald Smith 900,586 sh (-3.92%)
Tweedy Browne 95,732 sh (-33.99%)
» More
Q3 2016

ANAT Guru Trades in Q3 2016

Jim Simons 156,000 sh (+4.21%)
Donald Smith 900,689 sh (+0.01%)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 95,225 sh (-0.53%)
Jeremy Grantham 13,084 sh (-9.67%)
» More
Q4 2016

ANAT Guru Trades in Q4 2016

Jim Simons 177,100 sh (+13.53%)
Tweedy Browne 95,225 sh (unchged)
Tweedy Browne Global Value 75,700 sh (unchged)
Donald Smith 882,577 sh (-2.01%)
Jeremy Grantham 12,110 sh (-7.44%)
» 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%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6311
Compare:NAS:AFSI, NYSE:PRA, NYSE:MCY, OTCPK:GCNJF, NAS:SIGI, NYSE:RLI, OTCPK:ELFIF, NAS:NGHC, NYSE:THG, OTCPK:HCXLF, NYSE:WTM, NAS:AGII, NAS:NAVG, NYSE:AWH, NAS:AMSF, NAS:JRVR, NAS:STFC, NYSE:MBI, NAS:UFCS, NAS:IPCC » details
American National Insurance Company is an insurance company. It provides life insurance, health insurance, annuities and property and casualty insurance.

American National Insurance Company maintains core businesses in life insurance, annuities, and property and casualty insurance. The company also offers limited health insurance. American National reports five business segments: life, annuity, health, property and casualty, and corporate and other. The vast majority of the company's revenue is derived from its Property and casualty segment, followed by its life segment. The property and casualty segment includes personal and commercial lines, as well as credit-related property insurance products.

Top Ranked Articles about American National Insurance Co

Donald Smith Sells Shares in Insurance Companies Guru exits positions in Validus Holdings and Royal Caribbean
Guru Donald Smith (Trades, Portfolio), CIO of Donald Smith (Trades, Portfolio) & Co., added to some stakes and bought a few new ones in the first quarter, but his biggest transactions were divestitures and reductions, many of them in the insurance industry. Read more...

Ratios

vs
industry
vs
history
PE Ratio 17.17
ANAT's PE Ratio is ranked lower than
61% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. ANAT: 17.17 )
Ranked among companies with meaningful PE Ratio only.
ANAT' s PE Ratio Range Over the Past 10 Years
Min: 8.77  Med: 12.56 Max: 202.44
Current: 17.17
8.77
202.44
PE Ratio without NRI 17.17
ANAT's PE Ratio without NRI is ranked lower than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. ANAT: 17.17 )
Ranked among companies with meaningful PE Ratio without NRI only.
ANAT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.77  Med: 12.45 Max: 202.44
Current: 17.17
8.77
202.44
Price-to-Owner-Earnings 6.70
ANAT's Price-to-Owner-Earnings is ranked higher than
78% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.89 vs. ANAT: 6.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ANAT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.02  Med: 6.63 Max: 25.08
Current: 6.7
5.02
25.08
PB Ratio 0.67
ANAT's PB Ratio is ranked higher than
91% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. ANAT: 0.67 )
Ranked among companies with meaningful PB Ratio only.
ANAT' s PB Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.67 Max: 1.16
Current: 0.67
0.31
1.16
PS Ratio 0.96
ANAT's PS Ratio is ranked higher than
57% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. ANAT: 0.96 )
Ranked among companies with meaningful PS Ratio only.
ANAT' s PS Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.93 Max: 1.33
Current: 0.96
0.38
1.33
Price-to-Free-Cash-Flow 8.77
ANAT's Price-to-Free-Cash-Flow is ranked higher than
58% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. ANAT: 8.77 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ANAT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.49  Med: 5.81 Max: 14.09
Current: 8.77
3.49
14.09
Price-to-Operating-Cash-Flow 7.74
ANAT's Price-to-Operating-Cash-Flow is ranked higher than
67% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. ANAT: 7.74 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ANAT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.35  Med: 5.52 Max: 13.98
Current: 7.74
3.35
13.98
EV-to-EBIT 13.88
ANAT's EV-to-EBIT is ranked lower than
69% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.42 vs. ANAT: 13.88 )
Ranked among companies with meaningful EV-to-EBIT only.
ANAT' s EV-to-EBIT Range Over the Past 10 Years
Min: -199.6  Med: 7 Max: 28.6
Current: 13.88
-199.6
28.6
EV-to-EBITDA 11.31
ANAT's EV-to-EBITDA is ranked lower than
62% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. ANAT: 11.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
ANAT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -163.1  Med: 6.4 Max: 50.7
Current: 11.31
-163.1
50.7
Shiller PE Ratio 18.85
ANAT's Shiller PE Ratio is ranked higher than
52% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. ANAT: 18.85 )
Ranked among companies with meaningful Shiller PE Ratio only.
ANAT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.07  Med: 15.15 Max: 22.74
Current: 18.85
6.07
22.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.85
ANAT's Dividend Yield % is ranked higher than
51% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. ANAT: 2.85 )
Ranked among companies with meaningful Dividend Yield % only.
ANAT' s Dividend Yield % Range Over the Past 10 Years
Min: 1.91  Med: 2.96 Max: 8.71
Current: 2.85
1.91
8.71
Dividend Payout Ratio 0.49
ANAT's Dividend Payout Ratio is ranked lower than
62% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. ANAT: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ANAT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.43 Max: 4.82
Current: 0.49
0.31
4.82
3-Year Dividend Growth Rate 1.90
ANAT's 3-Year Dividend Growth Rate is ranked lower than
79% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. ANAT: 1.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ANAT' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.6 Max: 3
Current: 1.9
0
3
Forward Dividend Yield % 2.85
ANAT's Forward Dividend Yield % is ranked higher than
51% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. ANAT: 2.85 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.97
ANAT's 5-Year Yield-on-Cost % is ranked lower than
75% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. ANAT: 2.97 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ANAT' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.01  Med: 3.11 Max: 9.15
Current: 2.97
2.01
9.15

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.67
ANAT's Price-to-Tangible-Book is ranked higher than
93% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. ANAT: 0.67 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ANAT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.48  Med: 0.73 Max: 0.93
Current: 0.67
0.48
0.93
Price-to-Intrinsic-Value-Projected-FCF 0.40
ANAT's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. ANAT: 0.40 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ANAT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.66 Max: 1.15
Current: 0.4
0.32
1.15
Price-to-Median-PS-Value 1.04
ANAT's Price-to-Median-PS-Value is ranked higher than
52% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. ANAT: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ANAT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.66  Med: 1.06 Max: 1.51
Current: 1.04
0.66
1.51
Price-to-Graham-Number 0.71
ANAT's Price-to-Graham-Number is ranked higher than
84% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. ANAT: 0.71 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ANAT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.39  Med: 0.63 Max: 2.77
Current: 0.71
0.39
2.77
Earnings Yield (Greenblatt) % 7.20
ANAT's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. ANAT: 7.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ANAT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.5  Med: 13.6 Max: 31.4
Current: 7.2
3.5
31.4
Forward Rate of Return (Yacktman) % 11.40
ANAT's Forward Rate of Return (Yacktman) % is ranked lower than
56% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.71 vs. ANAT: 11.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ANAT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.2  Med: 16.2 Max: 40.3
Current: 11.4
6.2
40.3

More Statistics

Revenue (TTM) (Mil) $3,228
EPS (TTM) $ 6.71
Beta1.11
Short Percentage of Float0.13%
52-Week Range $107.44 - 131.99
Shares Outstanding (Mil)26.91
» More Articles for NAS:ANAT

Headlines

Articles On GuruFocus.com
Donald Smith Sells Shares in Insurance Companies May 04 2016 
Donald Smith Cuts Stakes in AerCap Holdings and American National Insurance Dec 08 2015 
Want a Bargain? Look at Stocks Selling for Less Than Book Value Nov 11 2015 
HCC Insurance Dividend Analysis: Strength in Its Financials Oct 07 2010 
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 
Weekly Guru Bargains Highlights: Newell Rubbermaid Inc., StanCorp Financial Group Inc., Wabtec, Amer Mar 28 2009 

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