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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 6.50
BWINA's Cash to Debt is ranked higher than
78% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. BWINA: 6.50 )
BWINA' s 10-Year Cash to Debt Range
Min: 1.85   Max: No Debt
Current: 6.5

Equity to Asset 0.36
BWINA's Equity to Asset is ranked higher than
89% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. BWINA: 0.36 )
BWINA' s 10-Year Equity to Asset Range
Min: 0.35   Max: 0.55
Current: 0.36

0.35
0.55
Interest Coverage No Debt
BWINA's Interest Coverage is ranked higher than
90% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 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: 1.07
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 (%) 18.87
BWINA's Operating margin (%) is ranked higher than
88% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. BWINA: 18.87 )
BWINA' s 10-Year Operating margin (%) Range
Min: -18.59   Max: 35.94
Current: 18.87

-18.59
35.94
Net-margin (%) 12.57
BWINA's Net-margin (%) is ranked higher than
84% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. BWINA: 12.57 )
BWINA' s 10-Year Net-margin (%) Range
Min: -11.57   Max: 34.07
Current: 12.57

-11.57
34.07
ROE (%) 9.58
BWINA's ROE (%) is ranked higher than
73% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. BWINA: 9.58 )
BWINA' s 10-Year ROE (%) Range
Min: -8.83   Max: 14.48
Current: 9.58

-8.83
14.48
ROA (%) 3.41
BWINA's ROA (%) is ranked higher than
79% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. BWINA: 3.41 )
BWINA' s 10-Year ROA (%) Range
Min: -3.11   Max: 6.54
Current: 3.41

-3.11
6.54
ROC (Joel Greenblatt) (%) 151.15
BWINA's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 217.60 vs. BWINA: 151.15 )
BWINA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -348.62   Max: 939.12
Current: 151.15

-348.62
939.12
Revenue Growth (%) 5.00
BWINA's Revenue Growth (%) is ranked higher than
68% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. BWINA: 5.00 )
BWINA' s 10-Year Revenue Growth (%) Range
Min: -12.5   Max: 28.3
Current: 5

-12.5
28.3
EBITDA Growth (%) 14.90
BWINA's EBITDA Growth (%) is ranked higher than
83% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. BWINA: 14.90 )
BWINA' s 10-Year EBITDA Growth (%) Range
Min: -25.9   Max: 174.6
Current: 14.9

-25.9
174.6
EPS Growth (%) 13.20
BWINA's EPS Growth (%) is ranked higher than
81% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. BWINA: 13.20 )
BWINA' s 10-Year EPS Growth (%) 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) 12.70
BWINA's P/E(ttm) is ranked higher than
76% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. BWINA: 12.70 )
BWINA' s 10-Year P/E(ttm) Range
Min: 6.47   Max: 126.54
Current: 12.7

6.47
126.54
P/B 0.90
BWINA's P/B is ranked higher than
88% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. BWINA: 0.90 )
BWINA' s 10-Year P/B Range
Min: 0.66   Max: 1.31
Current: 0.9

0.66
1.31
P/S 1.24
BWINA's P/S is ranked higher than
71% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.24 vs. BWINA: 1.24 )
BWINA' s 10-Year P/S Range
Min: 1.15   Max: 2.41
Current: 1.24

1.15
2.41
PFCF 84.30
BWINA's PFCF is ranked higher than
58% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.14 vs. BWINA: 84.30 )
BWINA' s 10-Year PFCF Range
Min: 5.14   Max: 89.54
Current: 84.3

5.14
89.54
EV-to-EBIT 7.36
BWINA's EV-to-EBIT is ranked higher than
85% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. BWINA: 7.36 )
BWINA' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 29.4
Current: 7.36

2.9
29.4
Shiller P/E 17.60
BWINA's Shiller P/E is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.71 vs. BWINA: 17.60 )
BWINA' s 10-Year Shiller P/E Range
Min: 6.64   Max: 24.35
Current: 17.6

6.64
24.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.24
BWINA's Dividend Yield is ranked higher than
78% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. BWINA: 4.24 )
BWINA' s 10-Year Dividend Yield Range
Min: 1.32   Max: 6.58
Current: 4.24

1.32
6.58
Dividend Payout 0.53
BWINA's Dividend Payout is ranked higher than
78% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. BWINA: 0.53 )
BWINA' s 10-Year Dividend Payout Range
Min: 0.13   Max: 6.25
Current: 0.53

0.13
6.25
Yield on cost (5-Year) 4.30
BWINA's Yield on cost (5-Year) is ranked higher than
70% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.08 vs. BWINA: 4.30 )
BWINA' s 10-Year Yield on cost (5-Year) Range
Min: 1.32   Max: 6.58
Current: 4.3

1.32
6.58
Share Buyback Rate -0.30
BWINA's Share Buyback Rate is ranked higher than
74% of the 155 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: 4.9   Max: -9.8
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
BWINA's Price/Tangible Book is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. BWINA: 0.90 )
BWINA' s 10-Year Price/Tangible Book Range
Min: 0.72   Max: 1.21
Current: 0.9

0.72
1.21
Price/DCF (Projected) 0.50
BWINA's Price/DCF (Projected) is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. BWINA: 0.50 )
BWINA' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 1.14
Current: 0.5

0.41
1.14
Price/Median PS Value 0.80
BWINA's Price/Median PS Value is ranked higher than
90% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. BWINA: 0.80 )
BWINA' s 10-Year Price/Median PS Value Range
Min: 0.83   Max: 8.74
Current: 0.8

0.83
8.74
Price/Graham Number 0.70
BWINA's Price/Graham Number is ranked higher than
87% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.97 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) 14.20
BWINA's Earnings Yield (Greenblatt) is ranked higher than
82% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. BWINA: 14.20 )
BWINA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.4   Max: 34.5
Current: 14.2

3.4
34.5
Forward Rate of Return (Yacktman) 4.47
BWINA's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.88 vs. BWINA: 4.47 )
BWINA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.1   Max: 65.5
Current: 4.47

5.1
65.5

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 subsidiaries is engaged in marketing and underwriting property and casualty insurance and the assumption of property and casualty reinsurance. The Insurance Subsidiaries serves a variety of specialty markets including Fleet Transportation, Reinsurance Assumptions, Private Passenger Automobile Insurance, Professional Liability, and Commercial Property and Business Owners Liability. The Insurance subsidiaries provides coverage for larger 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. It also performs a variety of additional services, primarily for the Company's insureds, including risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control and cost studies and research, development, and consultation in connection with new insurance programs including development of computerized systems to assist customers in monitoring their accident data. The Company markets private passenger automobile liability and physical damage coverage to individuals through a network of independent agents in approximately 30 states. It markets professional liability products through wholesale and retail agents on both an admitted and surplus lines bases throughout the United States. The Company's investment portfolio is divided between, funds which are considered necessary to support insurance underwriting activities and excess capital funds. It competes with a large number of insurance brokerage and agency firms and individual brokers and agents throughout the country, as well as insurance companies which write insurance directly with their customers.
» More Articles for BWINA

Headlines

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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 

More From Other Websites
Nasdaq stocks posting largest volume increases Jul 31 2014
Baldwin & Lyons, Inc. Announces Second Quarter 2014 Earnings Release Date and Conference Call Jun 10 2014
BALDWIN & LYONS INC Financials May 16 2014
BALDWIN & LYONS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 09 2014
Baldwin & Lyons Announces Quarterly Dividend May 08 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
Baldwin & Lyons Announces Results for Quarter and Twelve Months Jan 30 2014
Baldwin & Lyons, Inc. Announces Fourth Quarter 2013 Earnings Release Date and Conference Call Dec 11 2013
Baldwin & Lyons Announces Quarterly Dividend Nov 05 2013
BALDWIN & LYONS INC Files SEC form 10-Q, Quarterly Report Nov 05 2013
BALDWIN & LYONS INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 31 2013
Baldwin & Lyons Announces Results for Quarter and Nine Months Oct 31 2013
BALDWIN & LYONS INC Files SEC form 10-Q, Quarterly Report Aug 06 2013

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