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 0.01
EMCI's Cash to Debt is ranked lower than
100% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. EMCI: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
EMCI' s 10-Year Cash to Debt Range
Min: -0.07  Med: 0.01 Max: No Debt
Current: 0.01
-0.07
No Debt
Equity to Asset 0.34
EMCI's Equity to Asset is ranked higher than
67% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. EMCI: 0.34 )
Ranked among companies with meaningful Equity to Asset only.
EMCI' s 10-Year Equity to Asset Range
Min: 0.2  Med: 0.29 Max: 0.36
Current: 0.34
0.2
0.36
Interest Coverage 121.39
EMCI's Interest Coverage is ranked higher than
57% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. EMCI: 121.39 )
Ranked among companies with meaningful Interest Coverage only.
EMCI' s 10-Year Interest Coverage Range
Min: 14.36  Med: 57.37 Max: 9999.99
Current: 121.39
14.36
9999.99
F-Score: 5
WACC vs ROIC
8.09%
9.98%
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 (%) 11.05
EMCI's Operating margin (%) is ranked lower than
52% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. EMCI: 11.05 )
Ranked among companies with meaningful Operating margin (%) only.
EMCI' s 10-Year Operating margin (%) Range
Min: -2.5  Med: 8.14 Max: 17.49
Current: 11.05
-2.5
17.49
Net-margin (%) 7.76
EMCI's Net-margin (%) is ranked lower than
58% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. EMCI: 7.76 )
Ranked among companies with meaningful Net-margin (%) only.
EMCI' s 10-Year Net-margin (%) Range
Min: -0.71  Med: 6.03 Max: 12.09
Current: 7.76
-0.71
12.09
ROE (%) 9.42
EMCI's ROE (%) is ranked lower than
57% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. EMCI: 9.42 )
Ranked among companies with meaningful ROE (%) only.
EMCI' s 10-Year ROE (%) Range
Min: -1.46  Med: 8.82 Max: 18.78
Current: 9.42
-1.46
18.78
ROA (%) 3.17
EMCI's ROA (%) is ranked higher than
57% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. EMCI: 3.17 )
Ranked among companies with meaningful ROA (%) only.
EMCI' s 10-Year ROA (%) Range
Min: -0.33  Med: 2.58 Max: 4.62
Current: 3.17
-0.33
4.62
Revenue Growth (3Y)(%) 6.40
EMCI's Revenue Growth (3Y)(%) is ranked lower than
54% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. EMCI: 6.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EMCI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.3  Med: 6.20 Max: 10.9
Current: 6.4
-3.3
10.9
» EMCI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

EMCI Guru Trades in Q4 2014

John Keeley 7,500 sh (unchged)
Jim Simons 114,329 sh (-1.36%)
Chuck Royce 48,255 sh (-11.71%)
» More
Q1 2015

EMCI Guru Trades in Q1 2015

Jim Simons 117,000 sh (+2.34%)
John Keeley 7,500 sh (unchged)
Chuck Royce 7,420 sh (-84.62%)
» More
Q2 2015

EMCI Guru Trades in Q2 2015

John Keeley 15,600 sh (+108.00%)
Jim Simons 181,903 sh (+55.47%)
Chuck Royce 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.88
EMCI's P/E(ttm) is ranked higher than
70% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. EMCI: 9.88 )
Ranked among companies with meaningful P/E(ttm) only.
EMCI' s 10-Year P/E(ttm) Range
Min: 5.56  Med: 10.38 Max: 87.25
Current: 9.88
5.56
87.25
Forward P/E 8.65
EMCI's Forward P/E is ranked higher than
83% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. EMCI: 8.65 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.00
EMCI's PE(NRI) is ranked higher than
70% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. EMCI: 10.00 )
Ranked among companies with meaningful PE(NRI) only.
EMCI' s 10-Year PE(NRI) Range
Min: 5.55  Med: 10.34 Max: 90.42
Current: 10
5.55
90.42
P/B 0.90
EMCI's P/B is ranked higher than
74% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. EMCI: 0.90 )
Ranked among companies with meaningful P/B only.
EMCI' s 10-Year P/B Range
Min: 0.62  Med: 0.92 Max: 1.61
Current: 0.9
0.62
1.61
P/S 0.77
EMCI's P/S is ranked higher than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. EMCI: 0.77 )
Ranked among companies with meaningful P/S only.
EMCI' s 10-Year P/S Range
Min: 0.48  Med: 0.68 Max: 1.11
Current: 0.77
0.48
1.11
POCF 4.59
EMCI's POCF is ranked higher than
85% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. EMCI: 4.59 )
Ranked among companies with meaningful POCF only.
EMCI' s 10-Year POCF Range
Min: 1.27  Med: 7.24 Max: 50.37
Current: 4.59
1.27
50.37
EV-to-EBIT 6.83
EMCI's EV-to-EBIT is ranked higher than
64% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. EMCI: 6.83 )
Ranked among companies with meaningful EV-to-EBIT only.
EMCI' s 10-Year EV-to-EBIT Range
Min: -109.2  Med: 7.20 Max: 587.7
Current: 6.83
-109.2
587.7
Shiller P/E 12.85
EMCI's Shiller P/E is ranked higher than
82% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. EMCI: 12.85 )
Ranked among companies with meaningful Shiller P/E only.
EMCI' s 10-Year Shiller P/E Range
Min: 6.99  Med: 11.40 Max: 30.46
Current: 12.85
6.99
30.46
Days Sales Outstanding 0.51
EMCI's Days Sales Outstanding is ranked higher than
99% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. EMCI: 0.51 )
Ranked among companies with meaningful Days Sales Outstanding only.
EMCI' s 10-Year Days Sales Outstanding Range
Min: 0.02  Med: 1.18 Max: 5.02
Current: 0.51
0.02
5.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.84
EMCI's Dividend Yield is ranked lower than
68% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. EMCI: 2.84 )
Ranked among companies with meaningful Dividend Yield only.
EMCI' s 10-Year Dividend Yield Range
Min: 1.82  Med: 3.07 Max: 4.43
Current: 2.84
1.82
4.43
Dividend Payout 0.28
EMCI's Dividend Payout is ranked higher than
63% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. EMCI: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
EMCI' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.35 Max: 7.69
Current: 0.28
0.09
7.69
Dividend growth (3y) 6.90
EMCI's Dividend growth (3y) is ranked lower than
56% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. EMCI: 6.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
EMCI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 2.20 Max: 6.9
Current: 6.9
0
6.9
Yield on cost (5-Year) 3.76
EMCI's Yield on cost (5-Year) is ranked lower than
65% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. EMCI: 3.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EMCI' s 10-Year Yield on cost (5-Year) Range
Min: 2.38  Med: 4.01 Max: 5.79
Current: 3.76
2.38
5.79
Share Buyback Rate -1.40
EMCI's Share Buyback Rate is ranked lower than
60% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. EMCI: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
EMCI' s 10-Year Share Buyback Rate Range
Min: 1.8  Med: -0.30 Max: -6.2
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
EMCI's Price/Tangible Book is ranked higher than
80% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. EMCI: 0.92 )
Ranked among companies with meaningful Price/Tangible Book only.
EMCI' s 10-Year Price/Tangible Book Range
Min: 0.6  Med: 0.96 Max: 1.64
Current: 0.92
0.6
1.64
Price/Projected FCF 0.36
EMCI's Price/Projected FCF is ranked lower than
195% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. EMCI: 0.36 )
Ranked among companies with meaningful Price/Projected FCF only.
EMCI' s 10-Year Price/Projected FCF Range
Min: 0.17  Med: 0.27 Max: 0.4
Current: 0.36
0.17
0.4
Price/Median PS Value 1.12
EMCI's Price/Median PS Value is ranked lower than
63% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. EMCI: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
EMCI' s 10-Year Price/Median PS Value Range
Min: 0.53  Med: 0.96 Max: 1.55
Current: 1.12
0.53
1.55
Price/Graham Number 0.64
EMCI's Price/Graham Number is ranked higher than
81% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. EMCI: 0.64 )
Ranked among companies with meaningful Price/Graham Number only.
EMCI' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 0.70 Max: 2.16
Current: 0.64
0.43
2.16
Earnings Yield (Greenblatt) (%) 14.59
EMCI's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. EMCI: 14.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EMCI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 13.50 Max: 28
Current: 14.59
0.2
28
Forward Rate of Return (Yacktman) (%) -6.63
EMCI's Forward Rate of Return (Yacktman) (%) is ranked lower than
83% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. EMCI: -6.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EMCI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.6  Med: 26.10 Max: 37.4
Current: -6.63
-6.6
37.4

Analyst Estimate

Dec15
EPS($) 3.74
EPS without NRI($) 3.74

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 Aug 14 2015
10-Q for EMC Insurance Group, Inc. Aug 08 2015
Edited Transcript of EMCI earnings conference call or presentation 6-Aug-15 4:00pm GMT Aug 06 2015
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Aug 06 2015
Q2 2015 EMC Insurance Group Inc Earnings Release - Before Market Open Aug 06 2015
EMC Insurance Group posts 2Q profit Aug 06 2015
EMC Insurance Group posts 2Q profit Aug 06 2015
EMC Insurance Group Inc. Reports 2015 Second Quarter and Six Month Results Aug 06 2015
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jul 01 2015
EMC Insurance Group Inc. Announces 2015 Second Quarter Earnings Call and Access Information Jul 01 2015
EMC Insurance (EMCI) Hits a 52-Week High on Strong Q1 - Analyst Blog Jun 11 2015
Iowa Insurance Companies to Host Des Moines Insurance Conference June 11 Jun 03 2015
EMC INSURANCE GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 14 2015
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure May 13 2015
EMC Insurance Group Inc. Declares Quarterly Cash Dividend May 13 2015
EMC INSURANCE GROUP INC Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... May 07 2015
EMC Insurance Group posts 1Q profit May 07 2015
EMC Insurance Group posts 1Q profit May 07 2015
EMC Insurance Group Inc. Reports Record 2015 First Quarter Results and Announces Three-for-Two Stock... May 07 2015
A.M. Best Affirms Ratings of Employers Mutual Casualty Company and Its Subsidiaries May 01 2015

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)
FEEDBACK