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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 0.02
EMCI's Cash to Debt is ranked lower than
51% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 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 0.34
EMCI's Equity to Asset is ranked higher than
86% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. EMCI: 0.34 )
EMCI' s 10-Year Equity to Asset Range
Min: 0.2   Max: 0.36
Current: 0.34

0.2
0.36
Interest Coverage 158.47
EMCI's Interest Coverage is ranked higher than
79% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 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: 6
Z-Score: 1.10
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 (%) 10.71
EMCI's Operating margin (%) is ranked higher than
72% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. EMCI: 10.71 )
EMCI' s 10-Year Operating margin (%) Range
Min: -2.5   Max: 17.49
Current: 10.71

-2.5
17.49
Net-margin (%) 7.66
EMCI's Net-margin (%) is ranked higher than
70% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. EMCI: 7.66 )
EMCI' s 10-Year Net-margin (%) Range
Min: -0.71   Max: 12.09
Current: 7.66

-0.71
12.09
ROE (%) 9.56
EMCI's ROE (%) is ranked higher than
72% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. EMCI: 9.56 )
EMCI' s 10-Year ROE (%) Range
Min: -1.5   Max: 17.37
Current: 9.56

-1.5
17.37
ROA (%) 3.16
EMCI's ROA (%) is ranked higher than
76% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. EMCI: 3.16 )
EMCI' s 10-Year ROA (%) Range
Min: -0.31   Max: 4.44
Current: 3.16

-0.31
4.44
Revenue Growth (%) 8.50
EMCI's Revenue Growth (%) is ranked higher than
76% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. EMCI: 8.50 )
EMCI' s 10-Year Revenue Growth (%) Range
Min: -3.3   Max: 10.9
Current: 8.5

-3.3
10.9
EBITDA Growth (%) 12.10
EMCI's EBITDA Growth (%) is ranked higher than
80% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. EMCI: 12.10 )
EMCI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 65.1
Current: 12.1

0
65.1
EPS Growth (%) 11.50
EMCI's EPS Growth (%) is ranked higher than
78% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. EMCI: 11.50 )
EMCI' s 10-Year EPS Growth (%) Range
Min: -43.8   Max: 103.9
Current: 11.5

-43.8
103.9
» EMCI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

EMCI Guru Trades in Q2 2013

Chuck Royce 102,664 sh (unchged)
Jim Simons 103,900 sh (-3.71%)
» More
Q3 2013

EMCI Guru Trades in Q3 2013

John Keeley 7,500 sh (New)
Jim Simons 108,800 sh (+4.72%)
Chuck Royce 102,664 sh (unchged)
» More
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%)
John Keeley 7,500 sh (unchged)
Chuck Royce 104,364 sh (unchged)
» 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 $ 305%7500
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.90
EMCI's P/E(ttm) is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. EMCI: 9.90 )
EMCI' s 10-Year P/E(ttm) Range
Min: 5.56   Max: 87.25
Current: 9.9

5.56
87.25
P/B 0.90
EMCI's P/B is ranked higher than
91% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. EMCI: 0.90 )
EMCI' s 10-Year P/B Range
Min: 0.62   Max: 1.61
Current: 0.9

0.62
1.61
P/S 0.68
EMCI's P/S is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.24 vs. EMCI: 0.68 )
EMCI' s 10-Year P/S Range
Min: 0.48   Max: 1.27
Current: 0.68

0.48
1.27
PFCF 4.40
EMCI's PFCF is ranked higher than
92% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.14 vs. EMCI: 4.40 )
EMCI' s 10-Year PFCF Range
Min: 1.27   Max: 48.57
Current: 4.4

1.27
48.57
EV-to-EBIT 6.78
EMCI's EV-to-EBIT is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. EMCI: 6.78 )
EMCI' s 10-Year EV-to-EBIT Range
Min: 3.6   Max: 24.4
Current: 6.78

3.6
24.4
Shiller P/E 14.30
EMCI's Shiller P/E is ranked higher than
85% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.71 vs. EMCI: 14.30 )
EMCI' s 10-Year Shiller P/E Range
Min: 7.02   Max: 36.63
Current: 14.3

7.02
36.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
EMCI's Dividend Yield is ranked higher than
64% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. EMCI: 3.00 )
EMCI' s 10-Year Dividend Yield Range
Min: 1.82   Max: 4.42
Current: 3

1.82
4.42
Dividend Payout 0.29
EMCI's Dividend Payout is ranked higher than
89% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. EMCI: 0.29 )
EMCI' s 10-Year Dividend Payout Range
Min: 0.09   Max: 7.5
Current: 0.29

0.09
7.5
Dividend growth (3y) 5.60
EMCI's Dividend growth (3y) is ranked higher than
71% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 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) 3.77
EMCI's Yield on cost (5-Year) is ranked higher than
62% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.08 vs. EMCI: 3.77 )
EMCI' s 10-Year Yield on cost (5-Year) Range
Min: 2.29   Max: 5.56
Current: 3.77

2.29
5.56
Share Buyback Rate -0.10
EMCI's Share Buyback Rate is ranked higher than
75% of the 155 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 0.80
EMCI's Price/Tangible Book is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. EMCI: 0.80 )
EMCI' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.64
Current: 0.8

0.6
1.64
Price/DCF (Projected) 0.50
EMCI's Price/DCF (Projected) is ranked higher than
84% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. EMCI: 0.50 )
EMCI' s 10-Year Price/DCF (Projected) Range
Min: 0.26   Max: 0.59
Current: 0.5

0.26
0.59
Price/Median PS Value 1.00
EMCI's Price/Median PS Value is ranked higher than
77% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. EMCI: 1.00 )
EMCI' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.87
Current: 1

0.54
1.87
Price/Graham Number 0.60
EMCI's Price/Graham Number is ranked higher than
91% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.97 vs. EMCI: 0.60 )
EMCI' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 2.15
Current: 0.6

0.43
2.15
Earnings Yield (Greenblatt) 15.10
EMCI's Earnings Yield (Greenblatt) is ranked higher than
83% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. EMCI: 15.10 )
EMCI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 28
Current: 15.1

4.1
28
Forward Rate of Return (Yacktman) 8.75
EMCI's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.88 vs. EMCI: 8.75 )
EMCI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.4   Max: 54.9
Current: 8.75

7.4
54.9

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
EMC Insurance Group Inc. is an insurance holding company that was incorporated in Iowa in 1974 by Employers Mutual Casualty Company (Employers Mutual. The company conducts operations in property and casualty insurance and reinsurance through its subsidiaries. It is mainly engaged in 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. The majority of the company's its business is marketed and generated in the Midwest. The company conducts its insurance business through two business segments: Property and casualty insurance and Reinsurance. 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. Reinsurance operations are conducted through EMC Reinsurance Company. The main 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 insurance agency, EMC Underwriters, LLC, specializes in marketing excess and surplus lines of insurance. The excess and surplus lines markets provide insurance coverage at negotiated rates for risks that are not acceptable to licensed insurance companies. EMC Underwriters accesses this market by working through independent agents and functions as managing underwriter for excess and surplus lines insurance for several of the pool participants. The Company is subject to comprehensive regulation and supervision by the insurance departments in the states where its subsidiaries are domiciled and where its subsidiaries and the other pool participants sell insurance products, issue policies and handle claims.
» 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 

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Iowa Insurance Companies to Host Des Moines Insurance Conference May 21 2014
EMC INSURANCE GROUP INC Financials May 20 2014
EMC Insurance Misses on Earnings, Guides Lower May 09 2014
EMC INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure May 08 2014
EMC Insurance reports consolidated assets of $1.4B at March 31 May 08 2014
EMC Insurance cuts FY14 adjusted EPS $2.65-$2.09 from $3.00-$3.25 May 08 2014
EMC Insurance reports Q1 catastrophe and storm losses $7.4M May 08 2014
EMC Insurance reports Q1 net income per share 79c, consensus 90c May 08 2014
Q1 2014 EMC Insurance Group Earnings Release - Before Market Open May 08 2014
EMC Insurance Group Inc. Reports 2014 First Quarter Results and Revises 2014 Operating Income... May 08 2014
A.M. Best Affirms Ratings of Employers Mutual Casualty Company and Its Subsidiaries Apr 24 2014

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