Switch to:

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 0.02
EMCI's Cash to Debt is ranked higher than
52% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. EMCI: 0.02 )
EMCI' s 10-Year Cash to Debt Range
Min: -0.03   Max: No Debt
Current: 0.02

-0.03
No Debt
Equity to Asset 0.32
EMCI's Equity to Asset is ranked higher than
84% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. EMCI: 0.32 )
EMCI' s 10-Year Equity to Asset Range
Min: 0.2   Max: 0.36
Current: 0.32

0.2
0.36
Interest Coverage 158.47
EMCI's Interest Coverage is ranked higher than
78% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. EMCI: 158.47 )
EMCI' s 10-Year Interest Coverage Range
Min: 14.36   Max: 9999.99
Current: 158.47

14.36
9999.99
F-Score: 5
Z-Score: 1.02
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 (%) 6.70
EMCI's Operating margin (%) is ranked higher than
64% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. EMCI: 6.70 )
EMCI' s 10-Year Operating margin (%) Range
Min: -2.5   Max: 17.49
Current: 6.7

-2.5
17.49
Net-margin (%) 4.98
EMCI's Net-margin (%) is ranked higher than
64% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. EMCI: 4.98 )
EMCI' s 10-Year Net-margin (%) Range
Min: -0.71   Max: 12.09
Current: 4.98

-0.71
12.09
ROE (%) 6.42
EMCI's ROE (%) is ranked higher than
63% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. EMCI: 6.42 )
EMCI' s 10-Year ROE (%) Range
Min: -1.46   Max: 18.78
Current: 6.42

-1.46
18.78
ROA (%) 2.10
EMCI's ROA (%) is ranked higher than
67% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. EMCI: 2.10 )
EMCI' s 10-Year ROA (%) Range
Min: -0.33   Max: 4.62
Current: 2.1

-0.33
4.62
Revenue Growth (3Y)(%) 8.50
EMCI's Revenue Growth (3Y)(%) is ranked higher than
75% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. EMCI: 8.50 )
EMCI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.3   Max: 10.9
Current: 8.5

-3.3
10.9
EBITDA Growth (3Y)(%) 12.10
EMCI's EBITDA Growth (3Y)(%) is ranked higher than
80% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. EMCI: 12.10 )
EMCI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 46
Current: 12.1

0
46
EPS Growth (3Y)(%) 11.50
EMCI's EPS Growth (3Y)(%) is ranked higher than
78% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. EMCI: 11.50 )
EMCI' s 10-Year EPS Growth (3Y)(%) Range
Min: -43.8   Max: 103.9
Current: 11.5

-43.8
103.9
» EMCI's 10-Y Financials

Financials


» Details

Guru Trades

Q4 2013

EMCI Guru Trades in Q4 2013

Chuck Royce 104,364 sh (+1.66%)
John Keeley 7,500 sh (unchged)
Jim Simons 97,103 sh (-10.75%)
» More
Q1 2014

EMCI Guru Trades in Q1 2014

Jim Simons 108,815 sh (+12.06%)
Chuck Royce 104,364 sh (unchged)
John Keeley 7,500 sh (unchged)
» More
Q2 2014

EMCI Guru Trades in Q2 2014

Jim Simons 113,207 sh (+4.04%)
John Keeley 7,500 sh (unchged)
Chuck Royce 86,955 sh (-16.68%)
» More
Q3 2014

EMCI Guru Trades in Q3 2014

Jim Simons 115,900 sh (+2.38%)
John Keeley 7,500 sh (unchged)
Chuck Royce 54,655 sh (-37.15%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-09-30 New Buy$25.79 - $30.36 $ 32.7614%7500
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.70
EMCI's P/E(ttm) is ranked higher than
69% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. EMCI: 14.70 )
EMCI' s 10-Year P/E(ttm) Range
Min: 5.56   Max: 87.25
Current: 14.7

5.56
87.25
P/B 0.91
EMCI's P/B is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. EMCI: 0.91 )
EMCI' s 10-Year P/B Range
Min: 0.62   Max: 1.61
Current: 0.91

0.62
1.61
P/S 0.74
EMCI's P/S is ranked higher than
88% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. EMCI: 0.74 )
EMCI' s 10-Year P/S Range
Min: 0.48   Max: 1.27
Current: 0.74

0.48
1.27
EV-to-EBIT 9.99
EMCI's EV-to-EBIT is ranked higher than
72% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. EMCI: 9.99 )
EMCI' s 10-Year EV-to-EBIT Range
Min: -109.2   Max: 21.3
Current: 9.99

-109.2
21.3
Shiller P/E 14.46
EMCI's Shiller P/E is ranked higher than
88% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. EMCI: 14.46 )
EMCI' s 10-Year Shiller P/E Range
Min: 6.99   Max: 36.63
Current: 14.46

6.99
36.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
EMCI's Dividend Yield is ranked higher than
55% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.59 vs. EMCI: 2.87 )
EMCI' s 10-Year Dividend Yield Range
Min: 1.82   Max: 4.42
Current: 2.87

1.82
4.42
Dividend Payout 0.42
EMCI's Dividend Payout is ranked higher than
70% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. EMCI: 0.42 )
EMCI' s 10-Year Dividend Payout Range
Min: 0.09   Max: 7.5
Current: 0.42

0.09
7.5
Dividend growth (3y) 5.60
EMCI's Dividend growth (3y) is ranked higher than
76% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 vs. EMCI: 5.60 )
EMCI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 5.7
Current: 5.6

0
5.7
Yield on cost (5-Year) 3.52
EMCI's Yield on cost (5-Year) is ranked higher than
55% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.40 vs. EMCI: 3.52 )
EMCI' s 10-Year Yield on cost (5-Year) Range
Min: 2.29   Max: 5.56
Current: 3.52

2.29
5.56
Share Buyback Rate -0.10
EMCI's Share Buyback Rate is ranked higher than
78% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. EMCI: -0.10 )
EMCI' s 10-Year Share Buyback Rate Range
Min: 1.8   Max: -6.2
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
EMCI'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. EMCI: 0.92 )
EMCI' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.64
Current: 0.92

0.6
1.64
Price/Median PS Value 1.08
EMCI's Price/Median PS Value is ranked higher than
78% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. EMCI: 1.08 )
EMCI' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 1.84
Current: 1.08

0.53
1.84
Price/Graham Number 0.78
EMCI's Price/Graham Number is ranked higher than
83% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. EMCI: 0.78 )
EMCI' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 2.15
Current: 0.78

0.43
2.15
Earnings Yield (Greenblatt) 10.00
EMCI's Earnings Yield (Greenblatt) is ranked higher than
71% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. EMCI: 10.00 )
EMCI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 28
Current: 10

4.7
28
Forward Rate of Return (Yacktman) -3.09
EMCI's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.15 vs. EMCI: -3.09 )
EMCI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.1   Max: 39.8
Current: -3.09

-3.1
39.8

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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.
» 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 
EMC Insurance Group Inc. Declares 111th Consecutive Quarterly Dividend Aug 25 2009 
EMC Insurance Group Inc. Announces 2008 Fourth Quarter and Year-End Earnings Call Feb 04 2009 

More From Other Websites
EMC INSURANCE GROUP INC Financials Nov 21 2014
EMC Insurance (EMCI) Beats on Q3 Earnings, Down Y/Y Nov 10 2014
10-Q for EMC Insurance Group, Inc. Nov 09 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Nov 07 2014
EMC Insurance Group Inc. Reports 2014 Third Quarter and Nine Month Results Nov 07 2014
Q3 2014 EMC Insurance Group Inc Earnings Release - Before Market Open Nov 07 2014
EMC Insurance Group posts 3Q profit Nov 07 2014
EMC Insurance Group posts 3Q profit Nov 07 2014
EMC Insurance Group Inc. Reports 2014 Third Quarter and Nine Month Results Nov 07 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Nov 05 2014
EMC Insurance Increases Dividend 8.7% to 25 Cents a Share Nov 05 2014
EMC Insurance Group Inc. Increases Quarterly Cash Dividend Nov 05 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Oct 24 2014
EMC Insurance Group Inc. Announces Third Quarter Operating Income and Combined Ratio Estimates and... Oct 24 2014
EMC Insurance Group Inc. Announces Third Quarter Operating Income and Combined Ratio Estimates and... Oct 24 2014
Looking for Value? Why It Might Be Time to Try EMC Insurance (EMCI) Oct 22 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Oct 09 2014
EMC Insurance Group Inc. Announces Third Quarter Earnings Call and Access Information Oct 09 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Aug 28 2014
EMC Insurance Group Inc. Declares Quarterly Cash Dividend Aug 28 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK