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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 3.98
BWINA's Cash to Debt is ranked higher than
79% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. BWINA: 3.98 )
BWINA' s 10-Year Cash to Debt Range
Min: 1.85   Max: No Debt
Current: 3.98

Equity to Asset 0.35
BWINA's Equity to Asset is ranked higher than
87% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. BWINA: 0.35 )
BWINA' s 10-Year Equity to Asset Range
Min: 0.35   Max: 0.55
Current: 0.35

0.35
0.55
Interest Coverage No Debt
BWINA's Interest Coverage is ranked higher than
85% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. BWINA: No Debt )
BWINA' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 4
Z-Score: 1.06
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 (%) 15.46
BWINA's Operating margin (%) is ranked higher than
83% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. BWINA: 15.46 )
BWINA' s 10-Year Operating margin (%) Range
Min: -18.59   Max: 35.94
Current: 15.46

-18.59
35.94
Net-margin (%) 10.39
BWINA's Net-margin (%) is ranked higher than
77% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. BWINA: 10.39 )
BWINA' s 10-Year Net-margin (%) Range
Min: -11.57   Max: 34.07
Current: 10.39

-11.57
34.07
ROE (%) 7.85
BWINA's ROE (%) is ranked higher than
66% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. BWINA: 7.85 )
BWINA' s 10-Year ROE (%) Range
Min: -8.19   Max: 14.93
Current: 7.85

-8.19
14.93
ROA (%) 2.78
BWINA's ROA (%) is ranked higher than
73% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. BWINA: 2.78 )
BWINA' s 10-Year ROA (%) Range
Min: -3.23   Max: 6.5
Current: 2.78

-3.23
6.5
ROC (Joel Greenblatt) (%) 748.18
BWINA's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 288.43 vs. BWINA: 748.18 )
BWINA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -337.22   Max: 1580.18
Current: 748.18

-337.22
1580.18
Revenue Growth (3Y)(%) 5.00
BWINA's Revenue Growth (3Y)(%) is ranked higher than
69% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. BWINA: 5.00 )
BWINA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 28.3
Current: 5

0
28.3
EBITDA Growth (3Y)(%) 14.90
BWINA's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. BWINA: 14.90 )
BWINA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 74.6
Current: 14.9

0
74.6
EPS Growth (3Y)(%) 13.20
BWINA's EPS Growth (3Y)(%) is ranked higher than
80% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. BWINA: 13.20 )
BWINA' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.1   Max: 80.3
Current: 13.2

-29.1
80.3
» BWINA's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.10
BWINA's P/E(ttm) is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. BWINA: 12.10 )
BWINA' s 10-Year P/E(ttm) Range
Min: 6.47   Max: 126.54
Current: 12.1

6.47
126.54
P/B 0.92
BWINA's P/B is ranked higher than
89% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. BWINA: 0.92 )
BWINA' s 10-Year P/B Range
Min: 0.66   Max: 1.31
Current: 0.92

0.66
1.31
P/S 1.25
BWINA's P/S is ranked higher than
72% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. BWINA: 1.25 )
BWINA' s 10-Year P/S Range
Min: 1.15   Max: 2.41
Current: 1.25

1.15
2.41
EV-to-EBIT 6.74
BWINA's EV-to-EBIT is ranked higher than
87% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. BWINA: 6.74 )
BWINA' s 10-Year EV-to-EBIT Range
Min: -103.9   Max: 29.4
Current: 6.74

-103.9
29.4
Shiller P/E 16.24
BWINA's Shiller P/E is ranked higher than
84% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. BWINA: 16.24 )
BWINA' s 10-Year Shiller P/E Range
Min: 6.67   Max: 24.14
Current: 16.24

6.67
24.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.07
BWINA's Dividend Yield is ranked higher than
72% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.59 vs. BWINA: 4.07 )
BWINA' s 10-Year Dividend Yield Range
Min: 1.32   Max: 6.58
Current: 4.07

1.32
6.58
Dividend Payout 0.49
BWINA's Dividend Payout is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. BWINA: 0.49 )
BWINA' s 10-Year Dividend Payout Range
Min: 0.07   Max: 6.25
Current: 0.49

0.07
6.25
Yield on cost (5-Year) 4.10
BWINA's Yield on cost (5-Year) is ranked higher than
64% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.40 vs. BWINA: 4.10 )
BWINA' s 10-Year Yield on cost (5-Year) Range
Min: 1.32   Max: 6.58
Current: 4.1

1.32
6.58
Share Buyback Rate -0.30
BWINA's Share Buyback Rate is ranked higher than
76% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. BWINA: -0.30 )
BWINA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -9.8
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
BWINA's Price/Tangible Book is ranked higher than
92% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.64 vs. BWINA: 0.92 )
BWINA' s 10-Year Price/Tangible Book Range
Min: 0.72   Max: 1.21
Current: 0.92

0.72
1.21
Price/DCF (Projected) 1.06
BWINA's Price/DCF (Projected) is ranked higher than
72% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. BWINA: 1.06 )
BWINA' s 10-Year Price/DCF (Projected) Range
Min: 0.74   Max: 1.37
Current: 1.06

0.74
1.37
Price/Median PS Value 0.86
BWINA's Price/Median PS Value is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. BWINA: 0.86 )
BWINA' s 10-Year Price/Median PS Value Range
Min: 0.82   Max: 8.89
Current: 0.86

0.82
8.89
Price/Graham Number 0.70
BWINA's Price/Graham Number is ranked higher than
89% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. BWINA: 0.70 )
BWINA' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 2.03
Current: 0.7

0.52
2.03
Earnings Yield (Greenblatt) 14.80
BWINA's Earnings Yield (Greenblatt) is ranked higher than
87% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. BWINA: 14.80 )
BWINA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.4   Max: 34.5
Current: 14.8

3.4
34.5
Forward Rate of Return (Yacktman) -0.40
BWINA's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.15 vs. BWINA: -0.40 )
BWINA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.1   Max: 92.4
Current: -0.4

-0.1
92.4

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » 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 
Arbitrage of mispriced dual-class shares Sep 23 2011 
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 

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10-Q for Baldwin & Lyons, Inc. Nov 12 2014
Baldwin & Lyons Announces Quarterly Dividend Nov 11 2014
Baldwin & Lyons Announces Quarterly Dividend Nov 11 2014
BALDWIN & LYONS INC Files SEC form 10-Q, Quarterly Report Nov 10 2014
BALDWIN & LYONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 06 2014
Baldwin & Lyons Announces Results, Including Record Premium for the Quarter and Nine Months Nov 06 2014
BALDWIN & LYONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 07 2014
BALDWIN & LYONS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 09 2014
BALDWIN & LYONS INC Files SEC form 10-Q, Quarterly Report May 08 2014
BALDWIN & LYONS INC Files SEC form 8-K, Change in Directors or Principal Officers May 02 2014
BALDWIN & LYONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 01 2014
A.M. Best Affirms Ratings of Baldwin & Lyons, Inc. and Its Subsidiaries Apr 29 2014
Baldwin & Lyons, Inc. Announces First Quarter 2014 Earnings Release Date and Conference Call Mar 07 2014
BALDWIN & LYONS INC Files SEC form 10-K, Annual Report Mar 07 2014
Baldwin & Lyons Announces Quarterly Dividend Feb 04 2014
BALDWIN & LYONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 30 2014

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