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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 3.15
BWINB's Cash-to-Debt is ranked higher than
50% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. BWINB: 3.15 )
Ranked among companies with meaningful Cash-to-Debt only.
BWINB' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.85  Med: 5004.28 Max: No Debt
Current: 3.15
Equity-to-Asset 0.35
BWINB's Equity-to-Asset is ranked higher than
69% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. BWINB: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
BWINB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.35  Med: 0.42 Max: 0.54
Current: 0.35
0.35
0.54
Interest Coverage No Debt
BWINB's Interest Coverage is ranked higher than
99% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.42 vs. BWINB: No Debt )
Ranked among companies with meaningful Interest Coverage only.
BWINB' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
Piotroski F-Score: 6
WACC vs ROIC
5.38%
8.10%
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 : 7/10

vs
industry
vs
history
Operating Margin % 13.50
BWINB's Operating Margin % is ranked higher than
73% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.35 vs. BWINB: 13.50 )
Ranked among companies with meaningful Operating Margin % only.
BWINB' s Operating Margin % Range Over the Past 10 Years
Min: -18.59  Med: 14.58 Max: 32.68
Current: 13.5
-18.59
32.68
Net Margin % 9.07
BWINB's Net Margin % is ranked higher than
62% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.22 vs. BWINB: 9.07 )
Ranked among companies with meaningful Net Margin % only.
BWINB' s Net Margin % Range Over the Past 10 Years
Min: -11.57  Med: 10.11 Max: 22.62
Current: 9.07
-11.57
22.62
ROE % 7.21
BWINB's ROE % is ranked lower than
61% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.38 vs. BWINB: 7.21 )
Ranked among companies with meaningful ROE % only.
BWINB' s ROE % Range Over the Past 10 Years
Min: -8.19  Med: 7.43 Max: 14.93
Current: 7.21
-8.19
14.93
ROA % 2.59
BWINB's ROA % is ranked higher than
55% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.18 vs. BWINB: 2.59 )
Ranked among companies with meaningful ROA % only.
BWINB' s ROA % Range Over the Past 10 Years
Min: -3.23  Med: 2.82 Max: 6.5
Current: 2.59
-3.23
6.5
3-Year Revenue Growth Rate 2.70
BWINB's 3-Year Revenue Growth Rate is ranked lower than
69% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.50 vs. BWINB: 2.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BWINB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.5  Med: 5.9 Max: 28.3
Current: 2.7
-12.5
28.3
3-Year EBITDA Growth Rate -10.40
BWINB's 3-Year EBITDA Growth Rate is ranked lower than
77% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. BWINB: -10.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BWINB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -25.9  Med: 2.3 Max: 74.9
Current: -10.4
-25.9
74.9
3-Year EPS without NRI Growth Rate -7.80
BWINB's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.40 vs. BWINB: -7.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BWINB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -29  Med: 6.2 Max: 80.3
Current: -7.8
-29
80.3
GuruFocus has detected 2 Warning Signs with Baldwin & Lyons Inc $BWINB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BWINB's 10-Y Financials

Financials (Next Earnings Date: 2017-05-05)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

BWINB Guru Trades in Q1 2016

Jim Simons 181,700 sh (+14.35%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 298,238 sh (-4.33%)
» More
Q2 2016

BWINB Guru Trades in Q2 2016

Jim Simons 224,500 sh (+23.56%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 298,238 sh (unchged)
» More
Q3 2016

BWINB Guru Trades in Q3 2016

Jim Simons 290,073 sh (+29.21%)
Prem Watsa 969,875 sh (unchged)
Chuck Royce 278,238 sh (-6.71%)
» More
Q4 2016

BWINB Guru Trades in Q4 2016

Jim Simons 437,200 sh (+50.72%)
Chuck Royce 268,138 sh (-3.63%)
Prem Watsa 377,524 sh (-61.07%)
» 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:UIHC, NYSE:HCI, NAS:DGICB, NAS:FNHC, NAS:HALL, NAS:AFH, NAS:GBLI, NYSE:KFS, NAS:EMCI, NAS:NMIH, NAS:UNAM, NAS:NSEC, NYSE:UVE, NAS:IPCC, NYSE:STC, NAS:UFCS, NAS:SAFT, NAS:STFC, NAS:AMSF, NYSE:MBI » details
Baldwin & Lyons Inc is engaged in marketing and underwriting property and casualty insurance and the assumption of property and casualty reinsurance. It operates in two segments; property and casualty insurance and reinsurance.

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.

Ratios

vs
industry
vs
history
PE Ratio 12.16
BWINB's PE Ratio is ranked higher than
64% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.22 vs. BWINB: 12.16 )
Ranked among companies with meaningful PE Ratio only.
BWINB' s PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 11.32 Max: 123.38
Current: 12.16
6.47
123.38
PE Ratio without NRI 12.16
BWINB's PE Ratio without NRI is ranked higher than
67% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.56 vs. BWINB: 12.16 )
Ranked among companies with meaningful PE Ratio without NRI only.
BWINB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.47  Med: 11.32 Max: 123.38
Current: 12.16
6.47
123.38
PB Ratio 0.88
BWINB's PB Ratio is ranked higher than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. BWINB: 0.88 )
Ranked among companies with meaningful PB Ratio only.
BWINB' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 0.93 Max: 1.21
Current: 0.88
0.66
1.21
PS Ratio 1.11
BWINB's PS Ratio is ranked lower than
51% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. BWINB: 1.11 )
Ranked among companies with meaningful PS Ratio only.
BWINB' s PS Ratio Range Over the Past 10 Years
Min: 1.11  Med: 1.33 Max: 2.03
Current: 1.11
1.11
2.03
Price-to-Free-Cash-Flow 10.92
BWINB's Price-to-Free-Cash-Flow is ranked higher than
50% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.14 vs. BWINB: 10.92 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BWINB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.83  Med: 9.98 Max: 7913.33
Current: 10.92
4.83
7913.33
Price-to-Operating-Cash-Flow 10.92
BWINB's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. BWINB: 10.92 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BWINB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.83  Med: 9.98 Max: 7913.33
Current: 10.92
4.83
7913.33
EV-to-EBIT 7.18
BWINB's EV-to-EBIT is ranked higher than
72% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. BWINB: 7.18 )
Ranked among companies with meaningful EV-to-EBIT only.
BWINB' s EV-to-EBIT Range Over the Past 10 Years
Min: -103.9  Med: 6.1 Max: 29.4
Current: 7.18
-103.9
29.4
EV-to-EBITDA 7.18
BWINB's EV-to-EBITDA is ranked higher than
70% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.45 vs. BWINB: 7.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
BWINB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.9  Med: 6.1 Max: 29.4
Current: 7.18
-103.9
29.4
Shiller PE Ratio 13.65
BWINB's Shiller PE Ratio is ranked higher than
90% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. BWINB: 13.65 )
Ranked among companies with meaningful Shiller PE Ratio only.
BWINB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.22  Med: 12.38 Max: 16.38
Current: 13.65
8.22
16.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.50
BWINB's Dividend Yield % is ranked higher than
71% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.68 vs. BWINB: 4.50 )
Ranked among companies with meaningful Dividend Yield % only.
BWINB' s Dividend Yield % Range Over the Past 10 Years
Min: 1.48  Med: 4.25 Max: 6.58
Current: 4.5
1.48
6.58
Dividend Payout Ratio 0.56
BWINB's Dividend Payout Ratio is ranked lower than
71% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.31 vs. BWINB: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BWINB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.49 Max: 0.65
Current: 0.56
0.28
0.65
3-Year Dividend Growth Rate 1.30
BWINB's 3-Year Dividend Growth Rate is ranked lower than
78% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. BWINB: 1.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BWINB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 35.7
Current: 1.3
0
35.7
Forward Dividend Yield % 4.55
BWINB's Forward Dividend Yield % is ranked higher than
70% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. BWINB: 4.55 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.55
BWINB's 5-Year Yield-on-Cost % is ranked lower than
54% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.41 vs. BWINB: 4.55 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BWINB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.52  Med: 4.38 Max: 6.78
Current: 4.55
1.52
6.78
3-Year Average Share Buyback Ratio -0.30
BWINB's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. BWINB: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BWINB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.2  Med: -0.3 Max: 4.1
Current: -0.3
-1.2
4.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.87
BWINB's Price-to-Tangible-Book is ranked higher than
84% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.51 vs. BWINB: 0.87 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BWINB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.72  Med: 1 Max: 1.19
Current: 0.87
0.72
1.19
Price-to-Intrinsic-Value-Projected-FCF 0.49
BWINB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
76% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. BWINB: 0.49 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BWINB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.54 Max: 1.16
Current: 0.49
0.39
1.16
Price-to-Median-PS-Value 0.83
BWINB's Price-to-Median-PS-Value is ranked higher than
81% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. BWINB: 0.83 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BWINB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83  Med: 1.24 Max: 2.52
Current: 0.83
0.83
2.52
Price-to-Graham-Number 0.69
BWINB's Price-to-Graham-Number is ranked higher than
85% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. BWINB: 0.69 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BWINB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.73 Max: 1.39
Current: 0.69
0.52
1.39
Earnings Yield (Greenblatt) % 13.89
BWINB's Earnings Yield (Greenblatt) % is ranked higher than
76% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. BWINB: 13.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BWINB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.4  Med: 15.7 Max: 34.6
Current: 13.89
3.4
34.6
Forward Rate of Return (Yacktman) % 10.24
BWINB's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 73 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.13 vs. BWINB: 10.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BWINB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.6  Med: 1.5 Max: 90.3
Current: 10.24
0.6
90.3

More Statistics

Revenue (TTM) (Mil) $319.0
EPS (TTM) $ 1.93
Beta0.63
Short Percentage of Float0.47%
52-Week Range $22.60 - 27.70
Shares Outstanding (Mil)15.08
» 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 
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 

More From Other Websites
Baldwin & Lyons Announces Results for the Quarter and Twelve Months of 2016 Feb 16 2017
Q4 2016 Baldwin & Lyons Inc Earnings Release - Before Market Open Feb 16 2017
Baldwin & Lyons Announces Quarterly Dividend Feb 10 2017
Baldwin & Lyons, Inc. : BWINB-US: Dividend Analysis : November 22nd, 2016 (record date) : By the... Jan 20 2017
Baldwin & Lyons, Inc. Announces Fourth Quarter 2016 Earnings Release Date and Conference Call Jan 12 2017
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bearish Manner : BWINB-US : December... Dec 09 2016
ETFs with exposure to Baldwin & Lyons, Inc. : December 8, 2016 Dec 08 2016
Baldwin & Lyons, Inc. :BWINB-US: Earnings Analysis: Q3, 2016 By the Numbers : November 23, 2016 Nov 23 2016
Baldwin & Lyons Announces Quarterly Dividend Nov 08 2016
Baldwin & Lyons Announces Results for the Quarter and Nine Months Nov 03 2016
Baldwin & Lyons, Inc. : BWINB-US: Dividend Analysis : August 23rd, 2016 (record date) : By the... Oct 20 2016
Amerisafe Looking Like An Undervalued Insurance Provider Oct 12 2016
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bearish Manner : BWINB-US : September... Sep 21 2016
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bullish Manner : BWINB-US : September... Sep 08 2016
Baldwin & Lyons Appoints William C. Vens Chief Financial Officer, W. Randall Birchfield Company... Aug 30 2016
Baldwin & Lyons, Inc. Announces Third Quarter 2016 Earnings Release Date and Conference Call Aug 26 2016
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bearish Manner : BWINB-US : August 25,... Aug 25 2016
Baldwin & Lyons, Inc. :BWINB-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16, 2016 Aug 16 2016
Baldwin & Lyons Announces Quarterly Dividend Aug 09 2016
Baldwin & Lyons Announces Results for the Quarter and Six Months Aug 04 2016

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