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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 1.50
ANAT's Cash to Debt is ranked higher than
78% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.26 vs. ANAT: 1.50 )
ANAT' s 10-Year Cash to Debt Range
Min: 0.26   Max: No Debt
Current: 1.5

Equity to Asset 0.18
ANAT's Equity to Asset is ranked higher than
87% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. ANAT: 0.18 )
ANAT' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.35
Current: 0.18

0.16
0.35
F-Score: 6
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 (%) 11.62
ANAT's Operating margin (%) is ranked higher than
89% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.85 vs. ANAT: 11.62 )
ANAT' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 11.62
Current: 11.62

-11.9
11.62
Net-margin (%) 8.60
ANAT's Net-margin (%) is ranked higher than
88% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.40 vs. ANAT: 8.60 )
ANAT' s 10-Year Net-margin (%) Range
Min: -6.11   Max: 14.2
Current: 8.6

-6.11
14.2
ROE (%) 6.40
ANAT's ROE (%) is ranked higher than
74% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.12 vs. ANAT: 6.40 )
ANAT' s 10-Year ROE (%) Range
Min: -4.91   Max: 9.18
Current: 6.4

-4.91
9.18
ROA (%) 1.15
ANAT's ROA (%) is ranked higher than
83% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ANAT: 1.15 )
ANAT' s 10-Year ROA (%) Range
Min: -0.84   Max: 2.93
Current: 1.15

-0.84
2.93
ROC (Joel Greenblatt) (%) 338.54
ANAT's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 169.57 vs. ANAT: 338.54 )
ANAT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -324.2   Max: 411.41
Current: 338.54

-324.2
411.41
Revenue Growth (%) 0.20
ANAT's Revenue Growth (%) is ranked higher than
82% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 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 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.90 vs. ANAT: 15.00 )
ANAT' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 131.8
Current: 15

0
131.8
EPS Growth (%) 22.20
ANAT's EPS Growth (%) is ranked higher than
93% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.90 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

Q3 2013

ANAT Guru Trades in Q3 2013

Joel Greenblatt 3,674 sh (+41.14%)
Jim Simons 21,300 sh (+30.84%)
Chuck Royce 145,093 sh (unchged)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 401,923 sh (-1.73%)
Donald Smith 1,525,673 sh (-4.12%)
» More
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

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

Insider Trades

Latest Guru Trades with ANAT

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2014-03-31 Reduce -10.83%0.38%$102.66 - $117.31 $ 112.782%1349849
Joel Greenblatt 2014-03-31 Sold Out 0.01%$102.66 - $117.31 $ 112.782%0
Donald Smith 2013-09-30 Reduce -4.12%0.14%$97.2 - $116.32 $ 112.785%1525673
Joel Greenblatt 2013-09-30 Add 41.14%$97.2 - $116.32 $ 112.785%3674
Donald Smith 2012-12-31 Add 10.7%0.3%$64.17 - $73.96 $ 112.7862%1609843
Joel Greenblatt 2012-12-31 New Buy0.01%$64.17 - $73.96 $ 112.7862%3302
Donald Smith 2012-03-31 Add 7.05%0.19%$70.57 - $75.74 $ 112.7867%1369930
Donald Smith 2011-12-31 Add 7.52%0.2%$67.02 - $74.67 $ 112.7858%1279656
Donald Smith 2011-09-30 Add 8.4%0.23%$66.3 - $78.74 $ 112.7853%1190168
Donald Smith 2011-06-30 Add 5.61%0.15%$74.64 - $80.47 $ 112.7845%1097923
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 11.60
ANAT's P/E(ttm) is ranked higher than
83% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.80 vs. ANAT: 11.60 )
ANAT' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 208.45
Current: 11.6

9.31
208.45
P/B 0.70
ANAT's P/B is ranked higher than
94% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 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
79% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.58 vs. ANAT: 1.00 )
ANAT' s 10-Year P/S Range
Min: 0.38   Max: 1.81
Current: 1

0.38
1.81
PFCF 5.20
ANAT's PFCF is ranked higher than
92% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.92 vs. ANAT: 5.20 )
ANAT' s 10-Year PFCF Range
Min: 2.39   Max: 13.53
Current: 5.2

2.39
13.53
EV-to-EBIT 7.29
ANAT's EV-to-EBIT is ranked higher than
85% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.50 vs. ANAT: 7.29 )
ANAT' s 10-Year EV-to-EBIT Range
Min: 5   Max: 57.9
Current: 7.29

5
57.9
PEG 0.20
ANAT's PEG is ranked higher than
97% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.48 vs. ANAT: 0.20 )
ANAT' s 10-Year PEG Range
Min: 0.05   Max: 2.55
Current: 0.2

0.05
2.55
Shiller P/E 26.50
ANAT's Shiller P/E is ranked higher than
84% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 22.99 vs. ANAT: 26.50 )
ANAT' s 10-Year Shiller P/E Range
Min: 5.43   Max: 29.07
Current: 26.5

5.43
29.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
ANAT's Dividend Yield is ranked lower than
55% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.94 vs. ANAT: 2.70 )
ANAT' s 10-Year Dividend Yield Range
Min: 1.91   Max: 8.71
Current: 2.7

1.91
8.71
Dividend Payout 0.32
ANAT's Dividend Payout is ranked higher than
90% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. ANAT: 0.32 )
ANAT' s 10-Year Dividend Payout Range
Min: 0.16   Max: 3.22
Current: 0.32

0.16
3.22
Yield on cost (5-Year) 2.70
ANAT's Yield on cost (5-Year) is ranked lower than
56% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.03 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 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 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 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.60 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) 0.40
ANAT's Price/DCF (Projected) is ranked higher than
93% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.81 vs. ANAT: 0.40 )
ANAT' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 0.76
Current: 0.4

0.25
0.76
Price/Median PS Value 1.10
ANAT's Price/Median PS Value is ranked higher than
88% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. ANAT: 1.10 )
ANAT' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 1.93
Current: 1.1

0.63
1.93
Price/Graham Number 0.60
ANAT's Price/Graham Number is ranked higher than
96% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.89 vs. ANAT: 0.60 )
ANAT' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 2.89
Current: 0.6

0.35
2.89
Earnings Yield (Greenblatt) 13.80
ANAT's Earnings Yield (Greenblatt) is ranked higher than
80% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.60 vs. ANAT: 13.80 )
ANAT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 20
Current: 13.8

1.7
20
Forward Rate of Return (Yacktman) 4.33
ANAT's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.71 vs. ANAT: 4.33 )
ANAT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.3   Max: 229.5
Current: 4.33

4.3
229.5

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, AZSEY, AXAHF, ZFSVF, AIZ » details
American National Insurance is an insurance company, providing financial products and services for current and future generations. The Company's businesses include life insurance, annuities and property and casualty insurance. It also offers pension services and limited health insurance. It provides personalized services to approximately six million policyholders throughout the United States, the District of Columbia, Puerto Rico, Guam and American Samoa. The Company's family of companies includes six life insurance companies, eight property and casualty insurance companies, and numerous non-insurance subsidiaries. Its business segments are Life Segment, Annuity Segment, Health Segment, and Property and Casualty Segment. The Life Segment products include Whole Life, Term Life, Universal Life, Variable Universal Life, and Credit Life Insurance. The Annuity Segment products include, Deferred Annuity, Single Premium Immediate Annuity, and Variable Annuity. The Health Segment products comprises of Medicare Supplement, Supplemental Insurance, Medical Expense, Stop-Loss, and Credit Disability. The Property and Casualty Segment offers products including Personal Lines, Commercial Lines, and Credit-Related Property Insurance Products. The Company competes with a large number of domestic and foreign insurance companies, many of which offer one or more similar products. In addition, for its products that include a savings or investment component, the Company's competition includes domestic and foreign securities firms, investment advisors, mutual funds, banks and other financial institutions. The Company's insurance operations are subject to extensive regulation, primarily at the state level.
» More Articles for ANAT

Headlines

Articles On GuruFocus.com
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American National Insurance Company Reports Operating Results (10-Q) Nov 06 2009 
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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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