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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.01
NAS:EMCI's Cash-to-Debt is ranked lower than
100% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. NAS:EMCI: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:EMCI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: No Debt
Current: 0.01
Equity-to-Asset 0.35
NAS:EMCI's Equity-to-Asset is ranked higher than
70% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:EMCI: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:EMCI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.29 Max: 0.35
Current: 0.35
0.2
0.35
Interest Coverage 187.56
NAS:EMCI's Interest Coverage is ranked higher than
59% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. NAS:EMCI: 187.56 )
Ranked among companies with meaningful Interest Coverage only.
NAS:EMCI' s Interest Coverage Range Over the Past 10 Years
Min: 47.17  Med: 95.43 Max: 212.63
Current: 187.56
47.17
212.63
Piotroski F-Score: 5
WACC vs ROIC
8.66%
8.75%
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 % 9.80
NAS:EMCI's Operating Margin % is ranked higher than
56% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. NAS:EMCI: 9.80 )
Ranked among companies with meaningful Operating Margin % only.
NAS:EMCI' s Operating Margin % Range Over the Past 10 Years
Min: -2.49  Med: 9.95 Max: 13.88
Current: 9.8
-2.49
13.88
Net Margin % 7.16
NAS:EMCI's Net Margin % is ranked higher than
53% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NAS:EMCI: 7.16 )
Ranked among companies with meaningful Net Margin % only.
NAS:EMCI' s Net Margin % Range Over the Past 10 Years
Min: -0.58  Med: 7.29 Max: 10.07
Current: 7.16
-0.58
10.07
ROE % 8.38
NAS:EMCI's ROE % is ranked higher than
53% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. NAS:EMCI: 8.38 )
Ranked among companies with meaningful ROE % only.
NAS:EMCI' s ROE % Range Over the Past 10 Years
Min: -0.76  Med: 9.29 Max: 14.51
Current: 8.38
-0.76
14.51
ROA % 2.91
NAS:EMCI's ROA % is ranked higher than
61% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. NAS:EMCI: 2.91 )
Ranked among companies with meaningful ROA % only.
NAS:EMCI' s ROA % Range Over the Past 10 Years
Min: -0.23  Med: 2.99 Max: 3.99
Current: 2.91
-0.23
3.99
3-Year Revenue Growth Rate 2.00
NAS:EMCI's 3-Year Revenue Growth Rate is ranked lower than
68% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAS:EMCI: 2.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:EMCI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.3  Med: 5.6 Max: 11
Current: 2
-3.3
11
3-Year EBITDA Growth Rate -1.00
NAS:EMCI's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.60 vs. NAS:EMCI: -1.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:EMCI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -59.4  Med: 6.35 Max: 200.9
Current: -1
-59.4
200.9
3-Year EPS without NRI Growth Rate -0.30
NAS:EMCI's 3-Year EPS without NRI Growth Rate is ranked higher than
54% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. NAS:EMCI: -0.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:EMCI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -43.8  Med: 9.4 Max: 103.9
Current: -0.3
-43.8
103.9
GuruFocus has detected 4 Warning Signs with EMC Insurance Group Inc $NAS:EMCI.
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» NAS:EMCI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-10 Est.)


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

» Details

Guru Trades

Q1 2016

EMCI Guru Trades in Q1 2016

Mairs and Power 78,973 sh (New)
Jim Simons 240,650 sh (+22.75%)
Keeley Asset Management Corp 15,713 sh (+0.72%)
» More
Q2 2016

EMCI Guru Trades in Q2 2016

Mairs and Power 163,448 sh (+106.97%)
Keeley Asset Management Corp 15,820 sh (+0.68%)
Jim Simons 211,850 sh (-11.97%)
» More
Q3 2016

EMCI Guru Trades in Q3 2016

Mairs and Power 187,448 sh (+14.68%)
Jim Simons 213,750 sh (+0.90%)
Keeley Asset Management Corp 15,924 sh (+0.66%)
» More
Q4 2016

EMCI Guru Trades in Q4 2016

Mairs and Power 190,088 sh (+1.41%)
Jim Simons 214,950 sh (+0.56%)
Keeley Asset Management Corp Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with EMCI

(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:SNC, NAS:GBLI, NAS:KNSL, NAS:NMIH, NYSE:HCI, NAS:DGICB, NYSE:HRTG, NAS:BWINB, NAS:UIHC, NYSE:UVE, NAS:FNHC, NAS:HALL, NYSE:STC, NAS:AFH, NYSE:KFS, NAS:IPCC, NAS:SAFT, NAS:UFCS, NAS:CNFR, NAS:UNAM » details
EMC Insurance Group Inc conducts its operations in property and casualty insurance and reinsurance through its subsidiaries. It is engaged in the sale of commercial lines of property and casualty insurance to small and medium-sized businesses.

EMC Insurance Group Inc. was incorporated in Iowa in 1974 by Employers Mutual Casualty Company. The Company is an insurance holding company. The Company conducts operations in property and casualty insurance and reinsurance through its subsidiaries. The Company primarily focuses on the sale of commercial lines of property and casualty insurance to small and medium-sized businesses. These products are sold through independent insurance agents who are supported by a decentralized network of branch offices. Although the Company actively markets its insurance products in 40 states, the majority of its business is marketed and generated in the Midwest. The property and casualty insurance operations are integrated with the property and casualty insurance operations of Employers Mutual through participation in a reinsurance pooling agreement. Because the Company conducts its property and casualty insurance operations together with Employers Mutual through the reinsurance pooling agreement, the Company shares the same business philosophy, management, employees and facilities as Employers Mutual and offers the same types of insurance products. Reinsurance operations are conducted through EMC Reinsurance Company, and represented 24 percent of consolidated premiums earned in 2013. The principal business activity of EMC Reinsurance Company is to assume, through a quota share reinsurance agreement, the voluntary reinsurance business written directly by Employers Mutual with unaffiliated insurance companies. The Company's property and casualty insurance subsidiaries and the other parties to the pooling agreement underwrite both commercial and personal lines of property and casualty insurance.

Ratios

vs
industry
vs
history
PE Ratio 12.83
EMCI's PE Ratio is ranked higher than
63% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. EMCI: 12.83 )
Ranked among companies with meaningful PE Ratio only.
EMCI' s PE Ratio Range Over the Past 10 Years
Min: 5.57  Med: 10.29 Max: 85.36
Current: 12.83
5.57
85.36
PE Ratio without NRI 12.83
EMCI's PE Ratio without NRI is ranked higher than
66% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. EMCI: 12.83 )
Ranked among companies with meaningful PE Ratio without NRI only.
EMCI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.57  Med: 10.28 Max: 86.48
Current: 12.83
5.57
86.48
PB Ratio 1.08
EMCI's PB Ratio is ranked higher than
67% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. EMCI: 1.08 )
Ranked among companies with meaningful PB Ratio only.
EMCI' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 0.92 Max: 1.61
Current: 1.08
0.62
1.61
PS Ratio 0.96
EMCI's PS Ratio is ranked higher than
58% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. EMCI: 0.96 )
Ranked among companies with meaningful PS Ratio only.
EMCI' s PS Ratio Range Over the Past 10 Years
Min: 0.48  Med: 0.73 Max: 1.26
Current: 0.96
0.48
1.26
Price-to-Free-Cash-Flow 7.11
EMCI's Price-to-Free-Cash-Flow is ranked higher than
76% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. EMCI: 7.11 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EMCI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.77  Med: 7.35 Max: 49.45
Current: 7.11
3.77
49.45
Price-to-Operating-Cash-Flow 7.11
EMCI's Price-to-Operating-Cash-Flow is ranked higher than
75% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. EMCI: 7.11 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EMCI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.77  Med: 7.35 Max: 49.45
Current: 7.11
3.77
49.45
EV-to-EBIT 9.21
EMCI's EV-to-EBIT is ranked higher than
68% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.42 vs. EMCI: 9.21 )
Ranked among companies with meaningful EV-to-EBIT only.
EMCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -202.6  Med: 6.6 Max: 258.5
Current: 9.21
-202.6
258.5
EV-to-EBITDA 9.21
EMCI's EV-to-EBITDA is ranked higher than
64% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. EMCI: 9.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
EMCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -202.6  Med: 6.55 Max: 258.5
Current: 9.21
-202.6
258.5
Shiller PE Ratio 16.50
EMCI's Shiller PE Ratio is ranked higher than
78% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. EMCI: 16.50 )
Ranked among companies with meaningful Shiller PE Ratio only.
EMCI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.91  Med: 12.42 Max: 18.42
Current: 16.5
7.91
18.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.83
EMCI's Dividend Yield % is ranked higher than
54% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. EMCI: 2.83 )
Ranked among companies with meaningful Dividend Yield % only.
EMCI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.82  Med: 2.94 Max: 4.43
Current: 2.83
1.82
4.43
Dividend Payout Ratio 0.35
EMCI's Dividend Payout Ratio is ranked higher than
50% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. EMCI: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EMCI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.28 Max: 0.42
Current: 0.35
0.21
0.42
3-Year Dividend Growth Rate 10.80
EMCI's 3-Year Dividend Growth Rate is ranked higher than
51% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. EMCI: 10.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
EMCI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.7 Max: 10.8
Current: 10.8
0
10.8
Forward Dividend Yield % 3.00
EMCI's Forward Dividend Yield % is ranked higher than
55% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. EMCI: 3.00 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.29
EMCI's 5-Year Yield-on-Cost % is ranked lower than
51% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. EMCI: 4.29 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EMCI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.76  Med: 4.46 Max: 6.72
Current: 4.29
2.76
6.72
3-Year Average Share Buyback Ratio -2.10
EMCI's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. EMCI: -2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EMCI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.2  Med: -0.5 Max: 2.1
Current: -2.1
-6.2
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.08
EMCI's Price-to-Tangible-Book is ranked higher than
74% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. EMCI: 1.08 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EMCI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.73  Med: 0.95 Max: 1.53
Current: 1.08
0.73
1.53
Price-to-Intrinsic-Value-Projected-FCF 0.54
EMCI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. EMCI: 0.54 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EMCI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.4 Max: 0.57
Current: 0.54
0.19
0.57
Price-to-Median-PS-Value 1.26
EMCI's Price-to-Median-PS-Value is ranked lower than
73% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. EMCI: 1.26 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EMCI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.59  Med: 0.91 Max: 1.54
Current: 1.26
0.59
1.54
Price-to-Graham-Number 0.79
EMCI's Price-to-Graham-Number is ranked higher than
78% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. EMCI: 0.79 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EMCI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.73 Max: 1.5
Current: 0.79
0.48
1.5
Earnings Yield (Greenblatt) % 10.87
EMCI's Earnings Yield (Greenblatt) % is ranked higher than
71% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. EMCI: 10.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EMCI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 14.7 Max: 28.3
Current: 10.87
0.4
28.3
Forward Rate of Return (Yacktman) % 7.20
EMCI's Forward Rate of Return (Yacktman) % is ranked lower than
65% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.71 vs. EMCI: 7.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
EMCI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 7.2  Med: 43.65 Max: 61.3
Current: 7.2
7.2
61.3

More Statistics

Revenue (TTM) (Mil) $645.0
EPS (TTM) $ 2.20
Beta0.86
Short Percentage of Float0.47%
52-Week Range $23.45 - 31.47
Shares Outstanding (Mil)21.27
» More Articles for EMCI

Headlines

Articles On GuruFocus.com
EMC Insurance Group Inc. (EMCI) CEO Bruce G Kelley buys 2,870 Shares Mar 17 2011 
EMC Insurance Group Inc. Reports Operating Results (10-K) Mar 10 2011 
EMC Insurance Group Inc. (EMCI) Sr.Vice President & CFO Mark E Reese sells 1,000 Shares May 13 2010 

More From Other Websites
EMC INSURANCE GROUP INC Financials Mar 10 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Mar 06 2017
EMC INSURANCE GROUP INC Files SEC form 10-K, Annual Report Mar 06 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Mar 02 2017
EMC Insurance Group Inc. Declares Quarterly Cash Dividend Mar 02 2017
EMC Insurance Group, Inc. :EMCI-US: Earnings Analysis: Q4, 2016 By the Numbers : February 15, 2017 Feb 15 2017
EMC Insurance Group, Inc. :EMCI-US: Earnings Analysis: 2016 By the Numbers : February 13, 2017 Feb 13 2017
Edited Transcript of EMCI earnings conference call or presentation 10-Feb-17 5:00pm GMT Feb 10 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 10 2017
Q4 2016 EMC Insurance Group Inc Earnings Release - Before Market Open Feb 10 2017
EMC Insurance Group posts 4Q profit Feb 10 2017
EMC Insurance Group posts 4Q profit Feb 10 2017
EMC Insurance Group Inc. Reports 2016 Fourth Quarter and Year-End Results, and Announces 2017... Feb 10 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jan 27 2017
EMC Insurance Group Inc. Announces an Increase in 2016 Guidance Jan 27 2017
EMC Insurance Group, Inc. breached its 50 day moving average in a Bearish Manner : EMCI-US : January... Jan 20 2017
EMC Insurance Group, Inc. : EMCI-US: Dividend Analysis : November 15th, 2016 (record date) : By the... Jan 11 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jan 11 2017
EMC Insurance Group Inc. Announces 2016 Fourth Quarter and Year-End Earnings Call and Access... Jan 11 2017
EMC INSURANCE GROUP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Jan 04 2017

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