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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 : 7/10

vs
industry
vs
history
Cash to Debt 3.68
BWINA's Cash to Debt is ranked higher than
51% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. BWINA: 3.68 )
Ranked among companies with meaningful Cash to Debt only.
BWINA' s Cash to Debt Range Over the Past 10 Years
Min: 1.85  Med: 9999.00 Max: No Debt
Current: 3.68
Equity to Asset 0.36
BWINA's Equity to Asset is ranked higher than
71% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.29 vs. BWINA: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
BWINA' s Equity to Asset Range Over the Past 10 Years
Min: 0.35  Med: 0.43 Max: 0.54
Current: 0.36
0.35
0.54
Interest Coverage No Debt
BWINA's Interest Coverage is ranked higher than
99% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.34 vs. BWINA: No Debt )
Ranked among companies with meaningful Interest Coverage only.
BWINA' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 4
WACC vs ROIC
5.65%
6.58%
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 (%) 12.11
BWINA's Operating margin (%) is ranked higher than
62% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. BWINA: 12.11 )
Ranked among companies with meaningful Operating margin (%) only.
BWINA' s Operating margin (%) Range Over the Past 10 Years
Min: -18.59  Med: 16.49 Max: 32.68
Current: 12.11
-18.59
32.68
Net-margin (%) 8.31
BWINA's Net-margin (%) is ranked higher than
53% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.04 vs. BWINA: 8.31 )
Ranked among companies with meaningful Net-margin (%) only.
BWINA' s Net-margin (%) Range Over the Past 10 Years
Min: -11.57  Med: 11.18 Max: 22.62
Current: 8.31
-11.57
22.62
ROE (%) 5.83
BWINA's ROE (%) is ranked lower than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.68 vs. BWINA: 5.83 )
Ranked among companies with meaningful ROE (%) only.
BWINA' s ROE (%) Range Over the Past 10 Years
Min: -8.19  Med: 8.60 Max: 14.93
Current: 5.83
-8.19
14.93
ROA (%) 2.09
BWINA's ROA (%) is ranked lower than
59% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.39 vs. BWINA: 2.09 )
Ranked among companies with meaningful ROA (%) only.
BWINA' s ROA (%) Range Over the Past 10 Years
Min: -3.23  Med: 3.17 Max: 6.5
Current: 2.09
-3.23
6.5
Revenue Growth (3Y)(%) 1.90
BWINA's Revenue Growth (3Y)(%) is ranked lower than
73% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. BWINA: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BWINA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.5  Med: 5.90 Max: 28.3
Current: 1.9
-12.5
28.3
EBITDA Growth (3Y)(%) -9.20
BWINA's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. BWINA: -9.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BWINA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.30 Max: 74.9
Current: -9.2
0
74.9
EPS Growth (3Y)(%) -10.30
BWINA's EPS Growth (3Y)(%) is ranked lower than
82% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. BWINA: -10.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BWINA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -29  Med: 6.20 Max: 80.3
Current: -10.3
-29
80.3
» BWINA's 10-Y Financials

Financials (Next Earnings Date: 2016-05-05)


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 15.10
BWINA's P/E(ttm) is ranked lower than
57% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.95 vs. BWINA: 15.10 )
Ranked among companies with meaningful P/E(ttm) only.
BWINA' s P/E(ttm) Range Over the Past 10 Years
Min: 6.47  Med: 11.20 Max: 126.54
Current: 15.1
6.47
126.54
PE(NRI) 15.10
BWINA's PE(NRI) is ranked lower than
58% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. BWINA: 15.10 )
Ranked among companies with meaningful PE(NRI) only.
BWINA' s PE(NRI) Range Over the Past 10 Years
Min: 6.47  Med: 11.20 Max: 116.12
Current: 15.1
6.47
116.12
P/B 0.90
BWINA's P/B is ranked higher than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. BWINA: 0.90 )
Ranked among companies with meaningful P/B only.
BWINA' s P/B Range Over the Past 10 Years
Min: 0.66  Med: 0.96 Max: 1.21
Current: 0.9
0.66
1.21
P/S 1.26
BWINA's P/S is ranked lower than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. BWINA: 1.26 )
Ranked among companies with meaningful P/S only.
BWINA' s P/S Range Over the Past 10 Years
Min: 1.11  Med: 1.39 Max: 2.03
Current: 1.26
1.11
2.03
POCF 9.26
BWINA's POCF is ranked lower than
51% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. BWINA: 9.26 )
Ranked among companies with meaningful POCF only.
BWINA' s POCF Range Over the Past 10 Years
Min: 4.83  Med: 9.37 Max: 7913.33
Current: 9.26
4.83
7913.33
EV-to-EBIT 8.78
BWINA's EV-to-EBIT is ranked higher than
56% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. BWINA: 8.78 )
Ranked among companies with meaningful EV-to-EBIT only.
BWINA' s EV-to-EBIT Range Over the Past 10 Years
Min: -103.9  Med: 5.60 Max: 29.4
Current: 8.78
-103.9
29.4
EV-to-EBITDA 8.78
BWINA's EV-to-EBITDA is ranked lower than
52% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. BWINA: 8.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
BWINA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.9  Med: 5.60 Max: 29.4
Current: 8.78
-103.9
29.4
Shiller P/E 13.11
BWINA's Shiller P/E is ranked higher than
81% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.36 vs. BWINA: 13.11 )
Ranked among companies with meaningful Shiller P/E only.
BWINA' s Shiller P/E Range Over the Past 10 Years
Min: 8.22  Med: 12.37 Max: 18.35
Current: 13.11
8.22
18.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.29
BWINA's Dividend Yield is ranked higher than
60% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.58 vs. BWINA: 4.29 )
Ranked among companies with meaningful Dividend Yield only.
BWINA' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 4.23 Max: 6.58
Current: 4.29
1.45
6.58
Dividend Payout 0.65
BWINA's Dividend Payout is ranked lower than
72% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. BWINA: 0.65 )
Ranked among companies with meaningful Dividend Payout only.
BWINA' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.34 Max: 0.91
Current: 0.65
0.13
0.91
Forward Dividend Yield 4.42
BWINA's Forward Dividend Yield is ranked higher than
66% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.11 vs. BWINA: 4.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.29
BWINA's Yield on cost (5-Year) is ranked lower than
62% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.28 vs. BWINA: 4.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BWINA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.45  Med: 4.23 Max: 6.58
Current: 4.29
1.45
6.58
3-Year Average Share Buyback Ratio -0.30
BWINA's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. BWINA: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BWINA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.9  Med: 0.60 Max: 4.9
Current: -0.3
-0.9
4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
BWINA's Price/Tangible Book is ranked higher than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.45 vs. BWINA: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
BWINA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.72  Med: 1.00 Max: 1.19
Current: 0.9
0.72
1.19
Price/Projected FCF 1.13
BWINA's Price/Projected FCF is ranked lower than
99.99% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. BWINA: 1.13 )
Ranked among companies with meaningful Price/Projected FCF only.
BWINA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.89  Med: 1.21 Max: 1.5
Current: 1.13
0.89
1.5
Price/Median PS Value 0.91
BWINA's Price/Median PS Value is ranked higher than
69% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. BWINA: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
BWINA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.88  Med: 1.24 Max: 4.49
Current: 0.91
0.88
4.49
Price/Graham Number 0.78
BWINA's Price/Graham Number is ranked higher than
69% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. BWINA: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
BWINA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.74 Max: 1.39
Current: 0.78
0.52
1.39
Earnings Yield (Greenblatt) (%) 11.40
BWINA's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. BWINA: 11.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BWINA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 16.60 Max: 34.6
Current: 11.4
3.4
34.6
Forward Rate of Return (Yacktman) (%) -0.28
BWINA's Forward Rate of Return (Yacktman) (%) is ranked lower than
77% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.77 vs. BWINA: -0.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BWINA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.3  Med: 1.70 Max: 77.4
Current: -0.28
-0.3
77.4

More Statistics

Revenue(Mil) $280
EPS $ 1.56
Beta0.55
Short Percentage of Float0.08%
52-Week Range $21.04 - 24.89
Shares Outstanding(Mil)15.03

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:GBLI, NAS:EMCI, HKSE:00222, TSE:8715, NYSE:HRTG, NAS:DGICA » details
Baldwin & Lyons Inc was incorporated under the laws of the State of Indiana in 1930. The Company through its divisions and subsidiaries is engaged in marketing and underwriting property and casualty insurance and the assumption of property and casualty reinsurance. It operates three domestic property and casualty insurance companies that provide both admitted and excess and surplus lines platforms, a Bermuda-based captive solution, a fully licensed Canadian branch and two brokerage firms. The Company operates in two segments; property and casualty insurance and reinsurance. The property and casualty insurance segment provides multiple line insurance coverage to fleet transportation companies and to independent contractors who contract with fleet transportation companies, as well as individual personal automobile coverage, professional liability coverages and business owners' and commercial property policies. The reinsurance segment accepts cessions from other insurance companies as well as retrocessions from selected reinsurance companies, providing property catastrophe and casualty reinsurance coverages. The insurance subsidiaries serve a variety of specialty markets such as; fleet transportation, reinsurance assumptions, private passenger automobile insurance, and professional liability. Fleet transportation provides coverage for companies in the motor carrier industry which retain substantial amounts of self-insurance, for independent contractors utilized by trucking companies, for medium-sized and small trucking companies on a first dollar or small deductible basis and for public livery concerns, principally covering fleets of commercial buses. Reinsurance assumptions accepts cessions and retrocessions from selected insurance and reinsurance companies, providing reinsurance coverage for both property and casualty events. It markets private passenger automobile liability and physical damage coverages to individuals through a network of independent agents in thirty states. It markets a variety of professional liability products through wholesale and retail agents on both an admitted and surplus lines basis throughout the United States, specializing in smaller insureds. The Company competes with a number of insurance brokerage and agency firms and individual brokers and agents throughout the country. It also competes with insurance companies which write insurance directly with their customers.
» More Articles for BWINA

Headlines

Articles On GuruFocus.com
On the Low - Four Insurance Stocks Held by Numerous Billionaires Sep 15 2013 
The Best Dividends on May 18, 2012 May 17 2012 
Baldwin & Lyons Inc. Reports Operating Results (10-K) Mar 11 2011 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Nov 04 2010 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Aug 04 2010 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) May 05 2010 
High Growth Prem Watsa Stocks: Berkshire Hathaway Inc., Brown & Brown Inc., Nam Tai Electronics Inc. Dec 17 2009 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Nov 04 2009 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Aug 05 2009 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) May 07 2009 

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