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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 0.03
NAS:EMCI's Cash to Debt is ranked lower than
98% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. NAS:EMCI: 0.03 )
Ranked among companies with meaningful Cash to Debt only.
NAS:EMCI' s Cash to Debt Range Over the Past 10 Years
Min: -0.03  Med: 0.02 Max: No Debt
Current: 0.03
-0.03
No Debt
Equity to Asset 0.35
NAS:EMCI's Equity to Asset is ranked higher than
72% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 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: 0.36
Current: 0.35
0.2
0.36
Interest Coverage 174.50
NAS:EMCI's Interest Coverage is ranked higher than
56% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 46.58 vs. NAS:EMCI: 174.50 )
Ranked among companies with meaningful Interest Coverage only.
NAS:EMCI' s Interest Coverage Range Over the Past 10 Years
Min: 47.17  Med: 69.57 Max: 212.63
Current: 174.5
47.17
212.63
F-Score: 4
WACC vs ROIC
7.57%
8.12%
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 (%) 9.38
NAS:EMCI's Operating margin (%) is ranked lower than
52% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. NAS:EMCI: 9.38 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:EMCI' s Operating margin (%) Range Over the Past 10 Years
Min: -2.49  Med: 10.4 Max: 17.49
Current: 9.38
-2.49
17.49
Net-margin (%) 6.68
NAS:EMCI's Net-margin (%) is ranked lower than
55% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. NAS:EMCI: 6.68 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:EMCI' s Net-margin (%) Range Over the Past 10 Years
Min: -0.58  Med: 7.54 Max: 12.09
Current: 6.68
-0.58
12.09
ROE (%) 7.83
NAS:EMCI's ROE (%) is ranked lower than
52% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.02 vs. NAS:EMCI: 7.83 )
Ranked among companies with meaningful ROE (%) only.
NAS:EMCI' s ROE (%) Range Over the Past 10 Years
Min: -0.76  Med: 9.92 Max: 18.78
Current: 7.83
-0.76
18.78
ROA (%) 2.68
NAS:EMCI's ROA (%) is ranked higher than
56% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NAS:EMCI: 2.68 )
Ranked among companies with meaningful ROA (%) only.
NAS:EMCI' s ROA (%) Range Over the Past 10 Years
Min: -0.23  Med: 3.15 Max: 4.62
Current: 2.68
-0.23
4.62
Revenue Growth (3Y)(%) 4.50
NAS:EMCI's Revenue Growth (3Y)(%) is ranked lower than
62% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. NAS:EMCI: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:EMCI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.3  Med: 6.2 Max: 10.9
Current: 4.5
-3.3
10.9
EBITDA Growth (3Y)(%) 8.70
NAS:EMCI's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. NAS:EMCI: 8.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:EMCI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.4  Med: 8.7 Max: 200.9
Current: 8.7
-59.4
200.9
EPS Growth (3Y)(%) 7.30
NAS:EMCI's EPS Growth (3Y)(%) is ranked lower than
55% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. NAS:EMCI: 7.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:EMCI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -44  Med: 11.5 Max: 104.9
Current: 7.3
-44
104.9
» NAS:EMCI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-06)


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

» Details

Guru Trades

Q3 2015

EMCI Guru Trades in Q3 2015

Jim Simons 203,838 sh (+12.06%)
Keeley Asset Management Corp 15,600 sh (unchged)
» More
Q4 2015

EMCI Guru Trades in Q4 2015

Keeley Asset Management Corp 15,600 sh (unchged)
Jim Simons 196,050 sh (-3.82%)
» More
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
» 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
Compare:NAS:NATL, NAS:DGICB, NAS:GBLI, NAS:SNC, NAS:NMIH, NYSE:HRTG, NAS:BWINB, NAS:UIHC, NYSE:HCI, NYSE:UVE, OTCPK:PRBDF, NAS:FNHC, NAS:IPCC, NAS:STFC, NAS:AFH, NAS:HALL, NAS:SAFT, NAS:JRVR, NYSE:KFS, NYSE:MBI » 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
P/E(ttm) 13.99
EMCI's P/E(ttm) is ranked higher than
52% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. EMCI: 13.99 )
Ranked among companies with meaningful P/E(ttm) only.
EMCI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.58  Med: 9.83 Max: 85.36
Current: 13.99
5.58
85.36
PE(NRI) 13.99
EMCI's PE(NRI) is ranked higher than
53% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.31 vs. EMCI: 13.99 )
Ranked among companies with meaningful PE(NRI) only.
EMCI' s PE(NRI) Range Over the Past 10 Years
Min: 5.57  Med: 9.84 Max: 86.48
Current: 13.99
5.57
86.48
P/B 1.04
EMCI's P/B is ranked higher than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. EMCI: 1.04 )
Ranked among companies with meaningful P/B only.
EMCI' s P/B Range Over the Past 10 Years
Min: 0.62  Med: 0.92 Max: 1.61
Current: 1.04
0.62
1.61
P/S 0.93
EMCI's P/S is ranked higher than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. EMCI: 0.93 )
Ranked among companies with meaningful P/S only.
EMCI' s P/S Range Over the Past 10 Years
Min: 0.48  Med: 0.72 Max: 1.26
Current: 0.93
0.48
1.26
POCF 6.94
EMCI's POCF is ranked higher than
67% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.54 vs. EMCI: 6.94 )
Ranked among companies with meaningful POCF only.
EMCI' s POCF Range Over the Past 10 Years
Min: 1.4  Med: 7.25 Max: 49.45
Current: 6.94
1.4
49.45
EV-to-EBIT 9.22
EMCI's EV-to-EBIT is ranked higher than
57% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. EMCI: 9.22 )
Ranked among companies with meaningful EV-to-EBIT only.
EMCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -202.6  Med: 6.5 Max: 258.5
Current: 9.22
-202.6
258.5
EV-to-EBITDA 9.22
EMCI's EV-to-EBITDA is ranked higher than
50% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.22 vs. EMCI: 9.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
EMCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -202.6  Med: 6.5 Max: 258.5
Current: 9.22
-202.6
258.5
Shiller P/E 16.38
EMCI's Shiller P/E is ranked higher than
70% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.01 vs. EMCI: 16.38 )
Ranked among companies with meaningful Shiller P/E only.
EMCI' s Shiller P/E Range Over the Past 10 Years
Min: 7.97  Med: 12.48 Max: 25.62
Current: 16.38
7.97
25.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.72
EMCI's Dividend Yield is ranked lower than
52% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. EMCI: 2.72 )
Ranked among companies with meaningful Dividend Yield only.
EMCI' s Dividend Yield Range Over the Past 10 Years
Min: 1.82  Med: 2.97 Max: 4.43
Current: 2.72
1.82
4.43
Dividend Payout 0.37
EMCI's Dividend Payout is ranked higher than
53% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.38 vs. EMCI: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
EMCI' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.34 Max: 10
Current: 0.37
0.09
10
Dividend Growth (3y) 8.70
EMCI's Dividend Growth (3y) is ranked lower than
55% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. EMCI: 8.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
EMCI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 2.2 Max: 8.7
Current: 8.7
0
8.7
Forward Dividend Yield 2.72
EMCI's Forward Dividend Yield is ranked lower than
52% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. EMCI: 2.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.84
EMCI's Yield on cost (5-Year) is ranked lower than
63% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.67 vs. EMCI: 3.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EMCI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.58  Med: 4.2 Max: 6.27
Current: 3.84
2.58
6.27
3-Year Average Share Buyback Ratio -2.40
EMCI's 3-Year Average Share Buyback Ratio is ranked lower than
73% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. EMCI: -2.40 )
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: -2.4
-6.2
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
EMCI's Price/Tangible Book is ranked higher than
68% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. EMCI: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
EMCI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.6  Med: 0.95 Max: 1.64
Current: 1.05
0.6
1.64
Price/Median PS Value 1.29
EMCI's Price/Median PS Value is ranked lower than
78% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. EMCI: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
EMCI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 0.92 Max: 1.73
Current: 1.29
0.5
1.73
Price/Graham Number 0.81
EMCI's Price/Graham Number is ranked higher than
68% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. EMCI: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
EMCI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.71 Max: 2.22
Current: 0.81
0.43
2.22
Earnings Yield (Greenblatt) (%) 10.80
EMCI's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.00 vs. EMCI: 10.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EMCI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 15 Max: 28.3
Current: 10.8
0.4
28.3
Forward Rate of Return (Yacktman) (%) -6.36
EMCI's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. EMCI: -6.36 )
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: -6.4  Med: 25.1 Max: 39.6
Current: -6.36
-6.4
39.6

More Statistics

Revenue (TTM) (Mil) $626.8
EPS (TTM) $ 2.00
Beta0.83
Short Percentage of Float1.32%
52-Week Range $21.62 - 29.01
Shares Outstanding (Mil)21.06
» More Articles for NAS: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. breached its 50 day moving average in a Bullish Manner : EMCI-US :... Sep 23 2016
EMC Insurance Group, Inc. breached its 50 day moving average in a Bearish Manner : EMCI-US :... Sep 05 2016
EMC Insurance Group, Inc. : EMCI-US: Dividend Analysis : August 30th, 2016 (record date) : By the... Sep 01 2016
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Aug 22 2016
ETF’s with exposure to EMC Insurance Group, Inc. : August 22, 2016 Aug 22 2016
EMC Insurance Group, Inc. breached its 50 day moving average in a Bullish Manner : EMCI-US : August... Aug 19 2016
EMC Insurance Group Inc. Declares Quarterly Cash Dividend, and Announces a Presentation by... Aug 18 2016
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Aug 18 2016
EMC INSURANCE GROUP INC Financials Aug 18 2016
EMC Insurance Group Inc. Declares Quarterly Cash Dividend, and Announces a Presentation by... Aug 18 2016
EMC Insurance Group, Inc. :EMCI-US: Earnings Analysis: Q2, 2016 By the Numbers : August 12, 2016 Aug 12 2016
Edited Transcript of EMCI earnings conference call or presentation 9-Aug-16 4:00pm GMT Aug 09 2016
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Aug 09 2016
EMC Insurance Group Inc. Reports 2016 Second Quarter and Six Month Results Aug 09 2016
Q2 2016 EMC Insurance Group Inc Earnings Release - Before Market Open Aug 09 2016
EMC Insurance Group posts 2Q profit Aug 09 2016
EMC Insurance Group posts 2Q profit Aug 09 2016
EMC Insurance Group Inc. Reports 2016 Second Quarter and Six Month Results Aug 09 2016
EMC INSURANCE GROUP INC Files SEC form 8-K, Other Events Aug 01 2016
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jul 14 2016

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