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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 15.23
FNHC's Cash to Debt is ranked higher than
58% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. FNHC: 15.23 )
Ranked among companies with meaningful Cash to Debt only.
FNHC' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 2.07 Max: No Debt
Current: 15.23
Equity to Asset 0.35
FNHC's Equity to Asset is ranked higher than
70% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. FNHC: 0.35 )
Ranked among companies with meaningful Equity to Asset only.
FNHC' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 0.41
Current: 0.35
0.13
0.41
Interest Coverage 429.66
FNHC's Interest Coverage is ranked higher than
60% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. FNHC: 429.66 )
Ranked among companies with meaningful Interest Coverage only.
FNHC' s Interest Coverage Range Over the Past 10 Years
Min: 12.28  Med: 10000.00 Max: 9999.99
Current: 429.66
12.28
9999.99
F-Score: 3
WACC vs ROIC
16.65%
30.27%
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 (%) 27.59
FNHC's Operating margin (%) is ranked higher than
89% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. FNHC: 27.59 )
Ranked among companies with meaningful Operating margin (%) only.
FNHC' s Operating margin (%) Range Over the Past 10 Years
Min: -27.54  Med: 12.81 Max: 28.55
Current: 27.59
-27.54
28.55
Net-margin (%) 17.69
FNHC's Net-margin (%) is ranked higher than
86% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. FNHC: 17.69 )
Ranked among companies with meaningful Net-margin (%) only.
FNHC' s Net-margin (%) Range Over the Past 10 Years
Min: -17.48  Med: 8.37 Max: 18.54
Current: 17.69
-17.48
18.54
ROE (%) 20.54
FNHC's ROE (%) is ranked higher than
87% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. FNHC: 20.54 )
Ranked among companies with meaningful ROE (%) only.
FNHC' s ROE (%) Range Over the Past 10 Years
Min: -14.32  Med: 10.78 Max: 36.86
Current: 20.54
-14.32
36.86
ROA (%) 7.51
FNHC's ROA (%) is ranked higher than
91% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. FNHC: 7.51 )
Ranked among companies with meaningful ROA (%) only.
FNHC' s ROA (%) Range Over the Past 10 Years
Min: -5.14  Med: 3.71 Max: 9.96
Current: 7.51
-5.14
9.96
Revenue Growth (3Y)(%) 28.70
FNHC's Revenue Growth (3Y)(%) is ranked higher than
95% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. FNHC: 28.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNHC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.9  Med: 7.10 Max: 28.7
Current: 28.7
-19.9
28.7
EBITDA Growth (3Y)(%) 352.10
FNHC's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. FNHC: 352.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNHC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 52.70 Max: 352.1
Current: 352.1
0
352.1
» FNHC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

FNHC Guru Trades in Q1 2015

Paul Tudor Jones 8,407 sh (+1.20%)
Jim Simons 550,400 sh (+0.97%)
» More
Q2 2015

FNHC Guru Trades in Q2 2015

Jim Simons 637,551 sh (+15.83%)
Paul Tudor Jones Sold Out
» More
Q3 2015

FNHC Guru Trades in Q3 2015

Jim Simons 718,800 sh (+12.74%)
» More
Q4 2015

FNHC Guru Trades in Q4 2015

Jim Simons 636,600 sh (-11.44%)
» More
» Details

Insider Trades

Latest Guru Trades with FNHC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 7.74
FNHC's P/E(ttm) is ranked higher than
87% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. FNHC: 7.74 )
Ranked among companies with meaningful P/E(ttm) only.
FNHC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.31  Med: 9.23 Max: 16.84
Current: 7.74
3.31
16.84
Forward P/E 22.83
FNHC's Forward P/E is ranked lower than
94% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.51 vs. FNHC: 22.83 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.74
FNHC's PE(NRI) is ranked higher than
87% of the 144 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.90 vs. FNHC: 7.74 )
Ranked among companies with meaningful PE(NRI) only.
FNHC' s PE(NRI) Range Over the Past 10 Years
Min: 3.3  Med: 9.40 Max: 16.9
Current: 7.74
3.3
16.9
P/B 1.41
FNHC's P/B is ranked lower than
73% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. FNHC: 1.41 )
Ranked among companies with meaningful P/B only.
FNHC' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 1.15 Max: 3.22
Current: 1.41
0.18
3.22
P/S 1.37
FNHC's P/S is ranked lower than
79% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.94 vs. FNHC: 1.37 )
Ranked among companies with meaningful P/S only.
FNHC' s P/S Range Over the Past 10 Years
Min: 0.22  Med: 0.83 Max: 2
Current: 1.37
0.22
2
PFCF 3.89
FNHC's PFCF is ranked higher than
87% of the 145 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.29 vs. FNHC: 3.89 )
Ranked among companies with meaningful PFCF only.
FNHC' s PFCF Range Over the Past 10 Years
Min: 1.15  Med: 4.22 Max: 47.33
Current: 3.89
1.15
47.33
POCF 3.81
FNHC's POCF is ranked higher than
88% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.66 vs. FNHC: 3.81 )
Ranked among companies with meaningful POCF only.
FNHC' s POCF Range Over the Past 10 Years
Min: 1.24  Med: 4.64 Max: 31.56
Current: 3.81
1.24
31.56
EV-to-EBIT 4.22
FNHC's EV-to-EBIT is ranked higher than
92% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.64 vs. FNHC: 4.22 )
Ranked among companies with meaningful EV-to-EBIT only.
FNHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.5  Med: 4.50 Max: 22.9
Current: 4.22
-20.5
22.9
EV-to-EBITDA 4.22
FNHC's EV-to-EBITDA is ranked higher than
90% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.75 vs. FNHC: 4.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -7  Med: 4.50 Max: 49.2
Current: 4.22
-7
49.2
Shiller P/E 23.19
FNHC's Shiller P/E is ranked lower than
91% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.34 vs. FNHC: 23.19 )
Ranked among companies with meaningful Shiller P/E only.
FNHC' s Shiller P/E Range Over the Past 10 Years
Min: 2.29  Med: 8.10 Max: 55.55
Current: 23.19
2.29
55.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.78
FNHC's Dividend Yield is ranked lower than
99.99% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. FNHC: 0.78 )
Ranked among companies with meaningful Dividend Yield only.
FNHC' s Dividend Yield Range Over the Past 10 Years
Min: 0.34  Med: 2.51 Max: 41.86
Current: 0.78
0.34
41.86
Dividend Payout 0.05
FNHC's Dividend Payout is ranked higher than
97% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. FNHC: 0.05 )
Ranked among companies with meaningful Dividend Payout only.
FNHC' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.13 Max: 4.5
Current: 0.05
0.03
4.5
Forward Dividend Yield 0.87
FNHC's Forward Dividend Yield is ranked lower than
99.99% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. FNHC: 0.87 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.80
FNHC's Yield on cost (5-Year) is ranked lower than
99.99% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. FNHC: 0.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNHC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.34  Med: 2.51 Max: 41.86
Current: 0.8
0.34
41.86
3-Year Average Share Buyback Ratio -16.10
FNHC's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. FNHC: -16.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FNHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -17.2  Med: -4.90 Max: 4
Current: -16.1
-17.2
4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
FNHC's Price/Tangible Book is ranked higher than
53% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. FNHC: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
FNHC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.33  Med: 1.39 Max: 3.54
Current: 1.42
0.33
3.54
Price/Projected FCF 0.43
FNHC's Price/Projected FCF is ranked higher than
82% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. FNHC: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
FNHC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.45 Max: 0.82
Current: 0.43
0.12
0.82
Price/Median PS Value 1.65
FNHC's Price/Median PS Value is ranked lower than
96% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. FNHC: 1.65 )
Ranked among companies with meaningful Price/Median PS Value only.
FNHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 0.98 Max: 2.32
Current: 1.65
0.19
2.32
Price/Graham Number 0.70
FNHC's Price/Graham Number is ranked higher than
77% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.92 vs. FNHC: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
FNHC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.81 Max: 1.25
Current: 0.7
0.35
1.25
Earnings Yield (Greenblatt) (%) 23.62
FNHC's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. FNHC: 23.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.4  Med: 19.30 Max: 12872.7
Current: 23.62
4.4
12872.7

More Statistics

Revenue(Mil) $235
EPS $ 2.98
Beta1.99
Short Percentage of Float2.25%
52-Week Range $20.23 - 32.61
Shares Outstanding(Mil)14.23

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Federated National Holding Co formerly known as 21st Century Holding Company is an insurance holding company was founded in 1991. It controls all steps in the insurance underwriting, distribution and claims processes through its subsidiaries and its contractual relationships with independent agents and general agents. It changed its name on September 11, 2012. The Company is authorized to underwrite, and/or place through its wholly owned subsidiaries, homeowners' multi-peril, commercial general liability, federal flood, personal auto and various other lines of insurance in Florida and various other states. It markets and distributes its own and third-party insurers' products and other services through a network of independent agents. The Company's insurance subsidiary is Federated National Insurance Company (FNIC). FNIC is licensed from the state department of insurance giving the Company the authority to write specific lines of insurance. FNIC is authorized to underwrite homeowners', commercial general liability, fire, allied lines and personal and commercial automobile insurance in Florida. FNIC is licensed as an admitted carrier in Alabama, Louisiana, Georgia and Texas and underwrites commercial general liability insurance in those states, homeowners' insurance in Louisiana and personal automobile insurance in Georgia and Texas. FNIC is licensed as a non-admitted carrier in Arkansas, Kentucky, Missouri, Nevada, Oklahoma, South Carolina and Tennessee and can underwrite commercial general liability insurance in all of these states. The Company's wholly owned subsidiary, Federated National Underwriters, Inc. (FNU), acts as FNIC's exclusive managing general agent in Florida and is also licensed as a managing general agent in the States of Alabama, Georgia, Louisiana, Mississippi, Missouri, North Carolina, Nevada, South Carolina, Texas and Virginia. FNU has contracted with several unaffiliated insurance companies to sell commercial general liability, workers compensation, personal umbrella, inland marine and other various lines of insurance through FNU's existing network of agents. Its competitors include companies that market their products through agents, as well as companies that sell insurance directly to their customers. The Company is subject to the laws and regulations of the states that it operates in.
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