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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 1.94
ANAT's Cash to Debt is ranked higher than
70% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.94 vs. ANAT: 1.94 )
ANAT' s 10-Year Cash to Debt Range
Min: 0.43   Max: 9999
Current: 1.94

0.43
9999
Equity to Asset 0.19
ANAT's Equity to Asset is ranked higher than
74% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.12 vs. ANAT: 0.19 )
ANAT' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.34
Current: 0.19

0.16
0.34
F-Score: 5
Z-Score: 0.50
WACC vs ROIC
12.08%
6.73%
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 (%) 9.70
ANAT's Operating margin (%) is ranked higher than
78% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.39 vs. ANAT: 9.70 )
ANAT' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 11.62
Current: 9.7

-11.9
11.62
Net-margin (%) 9.80
ANAT's Net-margin (%) is ranked higher than
83% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.14 vs. ANAT: 9.80 )
ANAT' s 10-Year Net-margin (%) Range
Min: -6.11   Max: 14.2
Current: 9.8

-6.11
14.2
ROE (%) 8.24
ANAT's ROE (%) is ranked higher than
68% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.52 vs. ANAT: 8.24 )
ANAT' s 10-Year ROE (%) Range
Min: -4.48   Max: 9.59
Current: 8.24

-4.48
9.59
ROA (%) 1.52
ANAT's ROA (%) is ranked higher than
75% of the 236 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.91 vs. ANAT: 1.52 )
ANAT' s 10-Year ROA (%) Range
Min: -0.84   Max: 3.02
Current: 1.52

-0.84
3.02
ROC (Joel Greenblatt) (%) 316.93
ANAT's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 211 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 223.90 vs. ANAT: 316.93 )
ANAT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -338.97   Max: 742.61
Current: 316.93

-338.97
742.61
EBITDA Growth (3Y)(%) 7.10
ANAT's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.00 vs. ANAT: 7.10 )
ANAT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 81.8
Current: 7.1

0
81.8
EPS Growth (3Y)(%) 8.70
ANAT's EPS Growth (3Y)(%) is ranked higher than
78% of the 148 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.30 vs. ANAT: 8.70 )
ANAT' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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

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
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

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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.00
ANAT's P/E(ttm) is ranked higher than
87% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.80 vs. ANAT: 11.00 )
ANAT' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 208.45
Current: 11

9.31
208.45
Forward P/E 8.53
ANAT's Forward P/E is ranked higher than
93% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.52 vs. ANAT: 8.53 )
N/A
PE(NRI) 11.00
ANAT's PE(NRI) is ranked higher than
88% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.80 vs. ANAT: 11.00 )
ANAT' s 10-Year PE(NRI) Range
Min: 9.31   Max: 205.93
Current: 11

9.31
205.93
P/B 0.60
ANAT's P/B is ranked higher than
96% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.38 vs. ANAT: 0.60 )
ANAT' s 10-Year P/B Range
Min: 0.31   Max: 1.16
Current: 0.6

0.31
1.16
P/S 0.89
ANAT's P/S is ranked higher than
73% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.09 vs. ANAT: 0.89 )
ANAT' s 10-Year P/S Range
Min: 0.38   Max: 1.81
Current: 0.89

0.38
1.81
PFCF 5.20
ANAT's PFCF is ranked higher than
88% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 35.02 vs. ANAT: 5.20 )
ANAT' s 10-Year PFCF Range
Min: 2.39   Max: 13.53
Current: 5.2

2.39
13.53
POCF 4.87
ANAT's POCF is ranked higher than
90% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.62 vs. ANAT: 4.87 )
ANAT' s 10-Year POCF Range
Min: 2.29   Max: 11.56
Current: 4.87

2.29
11.56
EV-to-EBIT 6.66
ANAT's EV-to-EBIT is ranked higher than
89% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ANAT: 6.66 )
ANAT' s 10-Year EV-to-EBIT Range
Min: -201.9   Max: 57.9
Current: 6.66

-201.9
57.9
PEG 0.29
ANAT's PEG is ranked higher than
98% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ANAT: 0.29 )
ANAT' s 10-Year PEG Range
Min: 0.49   Max: 0.9
Current: 0.29

0.49
0.9
Shiller P/E 15.10
ANAT's Shiller P/E is ranked higher than
89% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ANAT: 15.10 )
ANAT' s 10-Year Shiller P/E Range
Min: 5.43   Max: 29.29
Current: 15.1

5.43
29.29
Days Sales Outstanding 34.79
ANAT's Days Sales Outstanding is ranked higher than
98% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ANAT: 34.79 )
ANAT' s 10-Year Days Sales Outstanding Range
Min: 17.59   Max: 113.12
Current: 34.79

17.59
113.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.04
ANAT's Dividend Yield is ranked lower than
61% of the 195 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.45 vs. ANAT: 3.04 )
ANAT' s 10-Year Dividend Yield Range
Min: 1.91   Max: 8.71
Current: 3.04

1.91
8.71
Dividend Payout 0.34
ANAT's Dividend Payout is ranked higher than
88% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.47 vs. ANAT: 0.34 )
ANAT' s 10-Year Dividend Payout Range
Min: 0.28   Max: 5.22
Current: 0.34

0.28
5.22
Yield on cost (5-Year) 3.00
ANAT's Yield on cost (5-Year) is ranked lower than
61% of the 195 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.70 vs. ANAT: 3.00 )
ANAT' s 10-Year Yield on cost (5-Year) Range
Min: 1.91   Max: 8.71
Current: 3

1.91
8.71
Share Buyback Rate -0.30
ANAT's Share Buyback Rate is ranked higher than
78% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. ANAT: -0.30 )
ANAT' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.3
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.60
ANAT's Price/Tangible Book is ranked higher than
96% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.90 vs. ANAT: 0.60 )
ANAT' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 1.12
Current: 0.6

0.44
1.12
Price/DCF (Projected) 0.30
ANAT's Price/DCF (Projected) is ranked higher than
96% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ANAT: 0.30 )
ANAT' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.69
Current: 0.3

0.27
0.69
Price/Median PS Value 1.00
ANAT's Price/Median PS Value is ranked higher than
87% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.30 vs. ANAT: 1.00 )
ANAT' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 1.51
Current: 1

0.66
1.51
Price/Peter Lynch Fair Value 0.80
ANAT's Price/Peter Lynch Fair Value is ranked higher than
96% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. ANAT: 0.80 )
ANAT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 4.25
Current: 0.8

0.43
4.25
Price/Graham Number 0.50
ANAT's Price/Graham Number is ranked higher than
96% of the 308 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. ANAT: 0.50 )
ANAT' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2.82
Current: 0.5

0.4
2.82
Earnings Yield (Greenblatt) 15.00
ANAT's Earnings Yield (Greenblatt) is ranked higher than
82% of the 226 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.00 vs. ANAT: 15.00 )
ANAT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 20
Current: 15

1.7
20
Forward Rate of Return (Yacktman) 30.95
ANAT's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.04 vs. ANAT: 30.95 )
ANAT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.4   Max: 40.1
Current: 30.95

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 
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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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