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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 2.45
BWINB's Cash to Debt is ranked lower than
52% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. BWINB: 2.45 )
Ranked among companies with meaningful Cash to Debt only.
BWINB' s 10-Year Cash to Debt Range
Min: 1.85  Med: 9999.00 Max: No Debt
Current: 2.45
Equity to Asset 0.36
BWINB's Equity to Asset is ranked higher than
73% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. BWINB: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
BWINB' s 10-Year Equity to Asset Range
Min: 0.35  Med: 0.44 Max: 0.55
Current: 0.36
0.35
0.55
Interest Coverage No Debt
BWINB's Interest Coverage is ranked higher than
99% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. BWINB: No Debt )
Ranked among companies with meaningful Interest Coverage only.
BWINB' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 4
WACC vs ROIC
8.93%
8.55%
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 (%) 15.01
BWINB's Operating margin (%) is ranked higher than
61% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. BWINB: 15.01 )
Ranked among companies with meaningful Operating margin (%) only.
BWINB' s 10-Year Operating margin (%) Range
Min: -18.59  Med: 21.85 Max: 35.94
Current: 15.01
-18.59
35.94
Net-margin (%) 10.04
BWINB's Net-margin (%) is ranked higher than
53% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. BWINB: 10.04 )
Ranked among companies with meaningful Net-margin (%) only.
BWINB' s 10-Year Net-margin (%) Range
Min: -11.57  Med: 16.31 Max: 34.07
Current: 10.04
-11.57
34.07
ROE (%) 7.43
BWINB's ROE (%) is ranked lower than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. BWINB: 7.43 )
Ranked among companies with meaningful ROE (%) only.
BWINB' s 10-Year ROE (%) Range
Min: -8.19  Med: 8.34 Max: 14.93
Current: 7.43
-8.19
14.93
ROA (%) 2.64
BWINB's ROA (%) is ranked lower than
56% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.88 vs. BWINB: 2.64 )
Ranked among companies with meaningful ROA (%) only.
BWINB' s 10-Year ROA (%) Range
Min: -3.23  Med: 3.56 Max: 6.5
Current: 2.64
-3.23
6.5
ROC (Joel Greenblatt) (%) 331.28
BWINB's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. BWINB: 331.28 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BWINB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -337.22  Med: 455.03 Max: 1580.18
Current: 331.28
-337.22
1580.18
Revenue Growth (3Y)(%) 5.90
BWINB's Revenue Growth (3Y)(%) is ranked lower than
55% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. BWINB: 5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BWINB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12.5  Med: 5.90 Max: 28.3
Current: 5.9
-12.5
28.3
» BWINB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BWINB Guru Trades in Q2 2014

Prem Watsa 969,875 sh (unchged)
Chuck Royce 348,043 sh (-2.19%)
Jim Simons 60,100 sh (-4.45%)
» More
Q3 2014

BWINB Guru Trades in Q3 2014

Jim Simons 62,600 sh (+4.16%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 324,843 sh (-6.67%)
» More
Q4 2014

BWINB Guru Trades in Q4 2014

Jim Simons 71,900 sh (+14.86%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 318,343 sh (-2.00%)
» More
Q1 2015

BWINB Guru Trades in Q1 2015

Jim Simons 122,222 sh (+69.99%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 311,743 sh (-2.07%)
» More
» Details

Insider Trades

Latest Guru Trades with BWINB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.70
BWINB's P/E(ttm) is ranked higher than
58% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. BWINB: 11.70 )
Ranked among companies with meaningful P/E(ttm) only.
BWINB' s 10-Year P/E(ttm) Range
Min: 6.47  Med: 11.16 Max: 126.54
Current: 11.7
6.47
126.54
Forward P/E 7.99
BWINB's Forward P/E is ranked higher than
89% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.97 vs. BWINB: 7.99 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.70
BWINB's PE(NRI) is ranked higher than
58% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. BWINB: 11.70 )
Ranked among companies with meaningful PE(NRI) only.
BWINB' s 10-Year PE(NRI) Range
Min: 6.47  Med: 11.15 Max: 116.12
Current: 11.7
6.47
116.12
P/B 0.87
BWINB's P/B is ranked higher than
83% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.27 vs. BWINB: 0.87 )
Ranked among companies with meaningful P/B only.
BWINB' s 10-Year P/B Range
Min: 0.66  Med: 0.99 Max: 1.31
Current: 0.87
0.66
1.31
P/S 1.18
BWINB's P/S is ranked lower than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. BWINB: 1.18 )
Ranked among companies with meaningful P/S only.
BWINB' s 10-Year P/S Range
Min: 1.15  Med: 1.41 Max: 2.06
Current: 1.18
1.15
2.06
POCF 10.97
BWINB's POCF is ranked lower than
59% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.36 vs. BWINB: 10.97 )
Ranked among companies with meaningful POCF only.
BWINB' s 10-Year POCF Range
Min: 4.84  Med: 7.99 Max: 146.67
Current: 10.97
4.84
146.67
EV-to-EBIT 7.17
BWINB's EV-to-EBIT is ranked higher than
64% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.42 vs. BWINB: 7.17 )
Ranked among companies with meaningful EV-to-EBIT only.
BWINB' s 10-Year EV-to-EBIT Range
Min: -103.9  Med: 6.10 Max: 29.4
Current: 7.17
-103.9
29.4
Shiller P/E 14.16
BWINB's Shiller P/E is ranked higher than
73% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.54 vs. BWINB: 14.16 )
Ranked among companies with meaningful Shiller P/E only.
BWINB' s 10-Year Shiller P/E Range
Min: 6.61  Med: 14.57 Max: 21.86
Current: 14.16
6.61
21.86
Days Sales Outstanding 115.24
BWINB's Days Sales Outstanding is ranked lower than
73% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 86.93 vs. BWINB: 115.24 )
Ranked among companies with meaningful Days Sales Outstanding only.
BWINB' s 10-Year Days Sales Outstanding Range
Min: 47.85  Med: 79.01 Max: 231.35
Current: 115.24
47.85
231.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.29
BWINB's Dividend Yield is ranked higher than
56% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. BWINB: 4.29 )
Ranked among companies with meaningful Dividend Yield only.
BWINB' s 10-Year Dividend Yield Range
Min: 1.38  Med: 4.20 Max: 6.58
Current: 4.29
1.38
6.58
Dividend Payout 0.51
BWINB's Dividend Payout is ranked lower than
66% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. BWINB: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
BWINB' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.32 Max: 6.25
Current: 0.51
0.07
6.25
Yield on cost (5-Year) 4.29
BWINB's Yield on cost (5-Year) is ranked lower than
57% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.51 vs. BWINB: 4.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BWINB' s 10-Year Yield on cost (5-Year) Range
Min: 1.38  Med: 4.18 Max: 6.58
Current: 4.29
1.38
6.58
Share Buyback Rate -0.40
BWINB's Share Buyback Rate is ranked lower than
53% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. BWINB: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
BWINB' s 10-Year Share Buyback Rate Range
Min: 4.9  Med: 0.60 Max: -9.8
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.87
BWINB's Price/Tangible Book is ranked higher than
87% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. BWINB: 0.87 )
Ranked among companies with meaningful Price/Tangible Book only.
BWINB' s 10-Year Price/Tangible Book Range
Min: 0.72  Med: 1.00 Max: 1.21
Current: 0.87
0.72
1.21
Price/Projected FCF 1.08
BWINB's Price/Projected FCF is ranked lower than
71% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. BWINB: 1.08 )
Ranked among companies with meaningful Price/Projected FCF only.
BWINB' s 10-Year Price/Projected FCF Range
Min: 0.75  Med: 1.22 Max: 1.51
Current: 1.08
0.75
1.51
Price/Median PS Value 0.83
BWINB's Price/Median PS Value is ranked higher than
81% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. BWINB: 0.83 )
Ranked among companies with meaningful Price/Median PS Value only.
BWINB' s 10-Year Price/Median PS Value Range
Min: 0.84  Med: 1.25 Max: 9.21
Current: 0.83
0.84
9.21
Price/Graham Number 0.67
BWINB's Price/Graham Number is ranked higher than
80% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. BWINB: 0.67 )
Ranked among companies with meaningful Price/Graham Number only.
BWINB' s 10-Year Price/Graham Number Range
Min: 0.52  Med: 0.75 Max: 2.03
Current: 0.67
0.52
2.03
Earnings Yield (Greenblatt) (%) 13.90
BWINB's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. BWINB: 13.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BWINB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.4  Med: 15.90 Max: 34.5
Current: 13.9
3.4
34.5
Forward Rate of Return (Yacktman) (%) -2.78
BWINB's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.09 vs. BWINB: -2.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BWINB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -2.8  Med: 1.70 Max: 88.6
Current: -2.78
-2.8
88.6

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 BWINB

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 

More From Other Websites
Edited Transcript of BWINB earnings conference call or presentation 7-May-15 3:00pm GMT Jun 17 2015
Baldwin & Lyons, Inc. Announces Second Quarter 2015 Earnings Release Date and Conference Call Jun 10 2015
Baldwin & Lyons, Inc. Announces Second Quarter 2015 Earnings Release Date and Conference Call Jun 10 2015
Baldwin & Lyons Announces Quarterly Dividend May 12 2015
Baldwin & Lyons Announces Quarterly Dividend May 12 2015
10-Q for Baldwin & Lyons, Inc. May 09 2015
Baldwin & Lyons Announces Results for the Quarter May 07 2015
Baldwin & Lyons posts 1Q profit May 07 2015
Baldwin & Lyons posts 1Q profit May 07 2015
Baldwin & Lyons Announces Results for the Quarter May 07 2015
Baldwin & Lyons, Inc. Announces First Quarter 2015 Earnings Release Date and Conference Call Mar 06 2015
Baldwin & Lyons Announces the Election of a Director Feb 09 2015
Baldwin & Lyons Announces Quarterly Dividend Feb 05 2015
Baldwin & Lyons Announces Record Premium Levels and Financial Results for the Fourth Quarter and... Jan 29 2015
Baldwin & Lyons, Inc. Announces Fourth Quarter 2014 Earnings Release Date and Conference Call Dec 05 2014
Baldwin & Lyons Announces Quarterly Dividend Nov 11 2014
Ranking P&C Reserving Conservatism Aug 20 2014

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