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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 1.10
ANAT's Cash to Debt is ranked lower than
63% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.38 vs. ANAT: 1.10 )
Ranked among companies with meaningful Cash to Debt only.
ANAT' s Cash to Debt Range Over the Past 10 Years
Min: 0.26  Med: 9999.00 Max: N/A
Current: 1.1
Equity to Asset 0.19
ANAT's Equity to Asset is ranked lower than
76% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 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: 0.20 Max: 0.34
Current: 0.19
0.16
0.34
Interest Coverage N/A
ANAT's Interest Coverage is ranked higher than
82% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.46 vs. ANAT: N/A )
Ranked among companies with meaningful Interest Coverage only.
ANAT' s Interest Coverage Range Over the Past 10 Years
Min: 1.34  Med: 9999.00 Max: 9999.99
Current: N/A
1.34
9999.99
F-Score: 3
M-Score: -2.56
WACC vs ROIC
11.00%
3.68%
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 (%) 6.64
ANAT's Operating margin (%) is ranked lower than
67% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. ANAT: 6.64 )
Ranked among companies with meaningful Operating margin (%) only.
ANAT' s Operating margin (%) Range Over the Past 10 Years
Min: -11.9  Med: 9.00 Max: 12.77
Current: 6.64
-11.9
12.77
Net-margin (%) 5.60
ANAT's Net-margin (%) is ranked lower than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.38 vs. ANAT: 5.60 )
Ranked among companies with meaningful Net-margin (%) only.
ANAT' s Net-margin (%) Range Over the Past 10 Years
Min: -6.11  Med: 7.12 Max: 8.77
Current: 5.6
-6.11
8.77
ROE (%) 3.78
ANAT's ROE (%) is ranked lower than
77% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.17 vs. ANAT: 3.78 )
Ranked among companies with meaningful ROE (%) only.
ANAT' s ROE (%) Range Over the Past 10 Years
Min: -4.48  Med: 5.38 Max: 7.86
Current: 3.78
-4.48
7.86
ROA (%) 0.72
ANAT's ROA (%) is ranked lower than
80% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. ANAT: 0.72 )
Ranked among companies with meaningful ROA (%) only.
ANAT' s ROA (%) Range Over the Past 10 Years
Min: -0.84  Med: 0.96 Max: 1.54
Current: 0.72
-0.84
1.54
Revenue Growth (3Y)(%) 0.20
ANAT's Revenue Growth (3Y)(%) is ranked lower than
75% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. ANAT: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ANAT' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.2  Med: 2.10 Max: 13.4
Current: 0.2
-6.2
13.4
EBITDA Growth (3Y)(%) 0.20
ANAT's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. ANAT: 0.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ANAT' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -30.60 Max: 84.3
Current: 0.2
0
84.3
EPS Growth (3Y)(%) 8.20
ANAT's EPS Growth (3Y)(%) is ranked lower than
52% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. ANAT: 8.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ANAT' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -61.5  Med: 8.20 Max: 140.2
Current: 8.2
-61.5
140.2
» ANAT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

ANAT Guru Trades in Q3 2015

Tweedy Browne Global Value 75,700 sh (unchged)
Jim Simons 90,493 sh (-2.43%)
Tweedy Browne 356,417 sh (-5.77%)
Donald Smith 1,402,952 sh (-18.80%)
Chuck Royce 25,688 sh (-82.71%)
» More
Q4 2015

ANAT Guru Trades in Q4 2015

Jim Simons 101,800 sh (+12.49%)
Tweedy Browne Global Value 75,700 sh (unchged)
Chuck Royce Sold Out
Tweedy Browne 355,121 sh (-0.36%)
Donald Smith 1,363,157 sh (-2.84%)
» More
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

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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NYSE:MCY, NYSE:RLI, NYSE:PRA, NYSE:THG, OTCPK:BZLYF, NYSE:AWH, NAS:SIGI, NAS:NGHC, OTCPK:HCXLF, OTCPK:ELFIF, NYSE:WTM, NAS:AFSI, NYSE:ENH, NAS:AGII, NAS:NAVG, NAS:AMSF, NYSE:AXS, NAS:UFCS, NYSE:MBI, NYSE:STC » details
American National Insurance Company is an insurance company. It provides life insurance, health insurance, annuities and property and casualty insurance.

American National Insurance Co 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, and Corporate & Other. The 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. Corporate and Other segment consists of net investment income from investments not allocated to the insurance segments and revenues from non-insurance operations. 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 advisers, mutual funds, banks and other financial institutions. The Company's insurance operations are subject to extensive regulation, mainly at the state level.

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...
Donald Smith Cuts Stakes in AerCap Holdings and American National Insurance Guru also reduces American International Group and JetBlue Airways
Donald G. Smith is the CIO of Donald Smith (Trades, Portfolio) & Co. In 1980, Smith became the CIO of Home Insurance Company and president of Home Portfolio Advisors Inc., which he bought in 1983 and changed the name to Donald Smith (Trades, Portfolio) & Co. Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 18.30
ANAT's P/E(ttm) is ranked lower than
70% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.15 vs. ANAT: 18.30 )
Ranked among companies with meaningful P/E(ttm) only.
ANAT' s P/E(ttm) Range Over the Past 10 Years
Min: 8.77  Med: 12.26 Max: 202.44
Current: 18.3
8.77
202.44
PE(NRI) 18.30
ANAT's PE(NRI) is ranked lower than
72% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.97 vs. ANAT: 18.30 )
Ranked among companies with meaningful PE(NRI) only.
ANAT' s PE(NRI) Range Over the Past 10 Years
Min: 8.77  Med: 12.17 Max: 202.44
Current: 18.3
8.77
202.44
Price/Owner Earnings (ttm) 7.74
ANAT's Price/Owner Earnings (ttm) is ranked higher than
70% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. ANAT: 7.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ANAT' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.02  Med: 6.52 Max: 25.08
Current: 7.74
5.02
25.08
P/B 0.69
ANAT's P/B is ranked higher than
91% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. ANAT: 0.69 )
Ranked among companies with meaningful P/B only.
ANAT' s P/B Range Over the Past 10 Years
Min: 0.31  Med: 0.68 Max: 1.16
Current: 0.69
0.31
1.16
P/S 1.04
ANAT's P/S is ranked higher than
55% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. ANAT: 1.04 )
Ranked among companies with meaningful P/S only.
ANAT' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 0.93 Max: 1.33
Current: 1.04
0.39
1.33
PFCF 8.68
ANAT's PFCF is ranked higher than
52% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.84 vs. ANAT: 8.68 )
Ranked among companies with meaningful PFCF only.
ANAT' s PFCF Range Over the Past 10 Years
Min: 3.49  Med: 5.72 Max: 14.09
Current: 8.68
3.49
14.09
POCF 7.94
ANAT's POCF is ranked higher than
59% of the 97 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.11 vs. ANAT: 7.94 )
Ranked among companies with meaningful POCF only.
ANAT' s POCF Range Over the Past 10 Years
Min: 3.35  Med: 5.45 Max: 13.98
Current: 7.94
3.35
13.98
EV-to-EBIT 13.77
ANAT's EV-to-EBIT is ranked lower than
70% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.60 vs. ANAT: 13.77 )
Ranked among companies with meaningful EV-to-EBIT only.
ANAT' s EV-to-EBIT Range Over the Past 10 Years
Min: -199.6  Med: 6.90 Max: 28.2
Current: 13.77
-199.6
28.2
EV-to-EBITDA 11.38
ANAT's EV-to-EBITDA is ranked lower than
68% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.94 vs. ANAT: 11.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
ANAT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -163.1  Med: 6.30 Max: 50.7
Current: 11.38
-163.1
50.7
PEG 3.85
ANAT's PEG is ranked lower than
90% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. ANAT: 3.85 )
Ranked among companies with meaningful PEG only.
ANAT' s PEG Range Over the Past 10 Years
Min: 0.49  Med: 0.95 Max: 4.63
Current: 3.85
0.49
4.63
Shiller P/E 17.62
ANAT's Shiller P/E is ranked higher than
50% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.44 vs. ANAT: 17.62 )
Ranked among companies with meaningful Shiller P/E only.
ANAT' s Shiller P/E Range Over the Past 10 Years
Min: 6.03  Med: 15.05 Max: 22.74
Current: 17.62
6.03
22.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.81
ANAT's Dividend Yield is ranked lower than
54% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.73 vs. ANAT: 2.81 )
Ranked among companies with meaningful Dividend Yield only.
ANAT' s Dividend Yield Range Over the Past 10 Years
Min: 1.91  Med: 2.98 Max: 8.71
Current: 2.81
1.91
8.71
Dividend Payout 0.50
ANAT's Dividend Payout is ranked lower than
64% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. ANAT: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
ANAT' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.37 Max: 3.22
Current: 0.5
0.16
3.22
Dividend Growth (3y) 0.60
ANAT's Dividend Growth (3y) is ranked lower than
80% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. ANAT: 0.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ANAT' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.60 Max: 3.1
Current: 0.6
0
3.1
Forward Dividend Yield 2.86
ANAT's Forward Dividend Yield is ranked lower than
52% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.88 vs. ANAT: 2.86 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.84
ANAT's Yield on cost (5-Year) is ranked lower than
85% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.80 vs. ANAT: 2.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ANAT' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.94  Med: 3.02 Max: 8.84
Current: 2.84
1.94
8.84
3-Year Average Share Buyback Ratio -0.10
ANAT's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. ANAT: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ANAT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.4  Med: -0.10 Max: 0.3
Current: -0.1
-0.4
0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.68
ANAT's Price/Tangible Book is ranked higher than
92% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. ANAT: 0.68 )
Ranked among companies with meaningful Price/Tangible Book only.
ANAT' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.44  Med: 0.72 Max: 1.12
Current: 0.68
0.44
1.12
Price/Projected FCF 0.40
ANAT's Price/Projected FCF is ranked higher than
81% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. ANAT: 0.40 )
Ranked among companies with meaningful Price/Projected FCF only.
ANAT' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.71 Max: 1.4
Current: 0.4
0.32
1.4
Price/Median PS Value 1.10
ANAT's Price/Median PS Value is ranked lower than
56% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. ANAT: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
ANAT' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.04 Max: 1.69
Current: 1.1
0.61
1.69
Price/Graham Number 0.74
ANAT's Price/Graham Number is ranked higher than
74% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. ANAT: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
ANAT' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.62 Max: 2.89
Current: 0.74
0.35
2.89
Earnings Yield (Greenblatt) (%) 7.26
ANAT's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. ANAT: 7.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ANAT' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.5  Med: 13.80 Max: 31.4
Current: 7.26
3.5
31.4
Forward Rate of Return (Yacktman) (%) 18.94
ANAT's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. ANAT: 18.94 )
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: 17.20 Max: 40.3
Current: 18.94
6.2
40.3

More Statistics

Revenue (TTM) (Mil) $3,026
EPS (TTM) $ 6.29
Beta1.32
Short Percentage of Float0.81%
52-Week Range $91.20 - 120.67
Shares Outstanding (Mil)26.91
» More Articles for 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 

More From Other Websites
American National Insurance Co. breached its 50 day moving average in a Bearish Manner : ANAT-US :... Jun 14 2016
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American National Increases Quarterly Dividend Apr 29 2016
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American National Insurance posts 1Q profit Apr 27 2016
AMERICAN NATIONAL INSURANCE CO /TX/ Files SEC form 8-K, Results of Operations and Financial... Apr 27 2016
American National Announces First Quarter 2016 Results Apr 27 2016
ETF’s with exposure to American National Insurance Co. : March 29, 2016 Mar 29 2016
American National Insurance Co. :ANAT-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 03 2016
AMERICAN NATIONAL INSURANCE CO /TX/ Files SEC form 10-K, Annual Report Feb 29 2016
AMERICAN NATIONAL INSURANCE CO /TX/ Files SEC form 8-K, Other Events Feb 26 2016
AMERICAN NATIONAL INSURANCE CO /TX/ Files SEC form 8-K, Results of Operations and Financial... Feb 23 2016
American National Insurance posts 4Q profit Feb 23 2016
American National Insurance posts 4Q profit Feb 23 2016
American National Insurance Co. breached its 50 day moving average in a Bearish Manner : December... Dec 10 2015
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