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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 1.46
ANAT's Cash to Debt is ranked lower than
75% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1984.20 vs. ANAT: 1.46 )
Ranked among companies with meaningful Cash to Debt only.
ANAT' s 10-Year Cash to Debt Range
Min: 0.26  Med: 1.80 Max: N/A
Current: 1.46
Equity to Asset 0.19
ANAT's Equity to Asset is ranked lower than
59% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. ANAT: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
ANAT' s 10-Year Equity to Asset Range
Min: 0.16  Med: 0.20 Max: 0.34
Current: 0.19
0.16
0.34
F-Score: 4
WACC vs ROIC
13.96%
6.18%
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 (%) 11.39
ANAT's Operating margin (%) is ranked higher than
54% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.94 vs. ANAT: 11.39 )
Ranked among companies with meaningful Operating margin (%) only.
ANAT' s 10-Year Operating margin (%) Range
Min: -11.9  Med: 9.64 Max: 11.62
Current: 11.39
-11.9
11.62
Net-margin (%) 9.80
ANAT's Net-margin (%) is ranked higher than
58% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. ANAT: 9.80 )
Ranked among companies with meaningful Net-margin (%) only.
ANAT' s 10-Year Net-margin (%) Range
Min: -6.11  Med: 7.75 Max: 14.2
Current: 9.8
-6.11
14.2
ROE (%) 6.76
ANAT's ROE (%) is ranked lower than
68% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. ANAT: 6.76 )
Ranked among companies with meaningful ROE (%) only.
ANAT' s 10-Year ROE (%) Range
Min: -4.48  Med: 5.91 Max: 9.59
Current: 6.76
-4.48
9.59
ROA (%) 1.27
ANAT's ROA (%) is ranked lower than
58% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. ANAT: 1.27 )
Ranked among companies with meaningful ROA (%) only.
ANAT' s 10-Year ROA (%) Range
Min: -0.84  Med: 1.24 Max: 3.02
Current: 1.27
-0.84
3.02
ROC (Joel Greenblatt) (%) 304.36
ANAT's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 229.23 vs. ANAT: 304.36 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ANAT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -338.97  Med: 320.58 Max: 742.61
Current: 304.36
-338.97
742.61
EBITDA Growth (3Y)(%) 7.10
ANAT's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ANAT: 7.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ANAT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 81.8
Current: 7.1
0
81.8
EPS Growth (3Y)(%) 8.70
ANAT's EPS Growth (3Y)(%) is ranked lower than
56% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. ANAT: 8.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ANAT' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -1.40 Max: 141.5
Current: 8.7
0
141.5
» ANAT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

ANAT Guru Trades in Q3 2014

Donald Smith 1,504,759 sh (+0.28%)
Tweedy Browne Global Value 75,700 sh (unchged)
Chuck Royce 159,593 sh (unchged)
Jim Simons 21,543 sh (-1.18%)
Tweedy Browne 385,771 sh (-1.46%)
» More
Q4 2014

ANAT Guru Trades in Q4 2014

Jim Simons 24,899 sh (+15.58%)
Donald Smith 1,514,570 sh (+0.65%)
Tweedy Browne Global Value 75,700 sh (unchged)
Chuck Royce 159,593 sh (unchged)
Tweedy Browne 383,356 sh (-0.63%)
» More
Q1 2015

ANAT Guru Trades in Q1 2015

Jim Simons 79,700 sh (+220.09%)
Donald Smith 1,684,739 sh (+11.24%)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 380,345 sh (-0.79%)
Chuck Royce 154,793 sh (-3.01%)
» More
Q2 2015

ANAT Guru Trades in Q2 2015

Tweedy Browne Global Value 75,700 sh (unchged)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 9.72
ANAT's P/E(ttm) is ranked higher than
74% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. ANAT: 9.72 )
Ranked among companies with meaningful P/E(ttm) only.
ANAT' s 10-Year P/E(ttm) Range
Min: 8.73  Med: 12.35 Max: 208.45
Current: 9.72
8.73
208.45
Forward P/E 8.75
ANAT's Forward P/E is ranked higher than
78% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.79 vs. ANAT: 8.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.50
ANAT's PE(NRI) is ranked higher than
72% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. ANAT: 9.50 )
Ranked among companies with meaningful PE(NRI) only.
ANAT' s 10-Year PE(NRI) Range
Min: 8.72  Med: 12.28 Max: 205.93
Current: 9.5
8.72
205.93
P/B 0.64
ANAT's P/B is ranked higher than
87% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. ANAT: 0.64 )
Ranked among companies with meaningful P/B only.
ANAT' s 10-Year P/B Range
Min: 0.31  Med: 0.70 Max: 1.16
Current: 0.64
0.31
1.16
P/S 0.96
ANAT's P/S is ranked higher than
55% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. ANAT: 0.96 )
Ranked among companies with meaningful P/S only.
ANAT' s 10-Year P/S Range
Min: 0.38  Med: 0.93 Max: 1.81
Current: 0.96
0.38
1.81
PFCF 6.36
ANAT's PFCF is ranked higher than
68% of the 75 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.26 vs. ANAT: 6.36 )
Ranked among companies with meaningful PFCF only.
ANAT' s 10-Year PFCF Range
Min: 3.18  Med: 5.66 Max: 26.09
Current: 6.36
3.18
26.09
POCF 5.87
ANAT's POCF is ranked higher than
66% of the 98 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.33 vs. ANAT: 5.87 )
Ranked among companies with meaningful POCF only.
ANAT' s 10-Year POCF Range
Min: 2.92  Med: 5.40 Max: 24.58
Current: 5.87
2.92
24.58
EV-to-EBIT 6.71
ANAT's EV-to-EBIT is ranked higher than
64% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.95 vs. ANAT: 6.71 )
Ranked among companies with meaningful EV-to-EBIT only.
ANAT' s 10-Year EV-to-EBIT Range
Min: -201.9  Med: 6.90 Max: 57.9
Current: 6.71
-201.9
57.9
PEG 0.25
ANAT's PEG is ranked higher than
91% of the 47 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. ANAT: 0.25 )
Ranked among companies with meaningful PEG only.
ANAT' s 10-Year PEG Range
Min: 0.49  Med: 0.80 Max: 0.9
Current: 0.25
0.49
0.9
Shiller P/E 13.77
ANAT's Shiller P/E is ranked higher than
55% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.10 vs. ANAT: 13.77 )
Ranked among companies with meaningful Shiller P/E only.
ANAT' s 10-Year Shiller P/E Range
Min: 5.84  Med: 18.23 Max: 29.14
Current: 13.77
5.84
29.14
Days Sales Outstanding 35.52
ANAT's Days Sales Outstanding is ranked higher than
71% of the 21 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 49.58 vs. ANAT: 35.52 )
Ranked among companies with meaningful Days Sales Outstanding only.
ANAT' s 10-Year Days Sales Outstanding Range
Min: 17.59  Med: 35.46 Max: 113.12
Current: 35.52
17.59
113.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.92
ANAT's Dividend Yield is ranked lower than
68% of the 222 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.93 vs. ANAT: 2.92 )
Ranked among companies with meaningful Dividend Yield only.
ANAT' s 10-Year Dividend Yield Range
Min: 1.43  Med: 2.93 Max: 8.71
Current: 2.92
1.43
8.71
Dividend Payout 0.28
ANAT's Dividend Payout is ranked higher than
77% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.42 vs. ANAT: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
ANAT' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.36 Max: 3.22
Current: 0.28
0.16
3.22
Yield on cost (5-Year) 2.92
ANAT's Yield on cost (5-Year) is ranked lower than
70% of the 218 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.01 vs. ANAT: 2.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ANAT' s 10-Year Yield on cost (5-Year) Range
Min: 1.43  Med: 2.93 Max: 8.71
Current: 2.92
1.43
8.71
Share Buyback Rate -0.30
ANAT's Share Buyback Rate is ranked higher than
54% of the 61 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ANAT: -0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
ANAT' s 10-Year Share Buyback Rate Range
Min: 0.2  Med: -0.10 Max: -0.3
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.63
ANAT's Price/Tangible Book is ranked higher than
88% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.34 vs. ANAT: 0.63 )
Ranked among companies with meaningful Price/Tangible Book only.
ANAT' s 10-Year Price/Tangible Book Range
Min: 0.44  Med: 0.73 Max: 1.12
Current: 0.63
0.44
1.12
Price/Projected FCF 0.36
ANAT's Price/Projected FCF is ranked higher than
75% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.78 vs. ANAT: 0.36 )
Ranked among companies with meaningful Price/Projected FCF only.
ANAT' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 0.74 Max: 1.4
Current: 0.36
0.3
1.4
Price/Median PS Value 1.01
ANAT's Price/Median PS Value is ranked higher than
51% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. ANAT: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
ANAT' s 10-Year Price/Median PS Value Range
Min: 0.61  Med: 1.05 Max: 1.89
Current: 1.01
0.61
1.89
Price/Peter Lynch Fair Value 0.84
ANAT's Price/Peter Lynch Fair Value is ranked higher than
68% of the 31 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. ANAT: 0.84 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ANAT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.36  Med: 0.70 Max: 13.65
Current: 0.84
0.36
13.65
Price/Graham Number 0.52
ANAT's Price/Graham Number is ranked higher than
88% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ANAT: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
ANAT' s 10-Year Price/Graham Number Range
Min: 0.35  Med: 0.63 Max: 2.89
Current: 0.52
0.35
2.89
Earnings Yield (Greenblatt) (%) 14.89
ANAT's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. ANAT: 14.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ANAT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.7  Med: 13.60 Max: 20
Current: 14.89
1.7
20
Forward Rate of Return (Yacktman) (%) 27.62
ANAT's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.07 vs. ANAT: 27.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ANAT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 7.4  Med: 17.20 Max: 40.1
Current: 27.62
7.4
40.1

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, AZSEY, AXAHF, ZFSVF, AIZ » details
American National Insurance Company 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 
0.5 p/b buys to dona Mar 15 2012 
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 
American National Announces Second Quarter 2009 Results Jul 28 2009 
American National Announces Second Quarter 2009 Results Jul 28 2009 

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