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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 21.66
FNHC's Cash-to-Debt is ranked higher than
59% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. FNHC: 21.66 )
Ranked among companies with meaningful Cash-to-Debt only.
FNHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 2.33 Max: No Debt
Current: 21.66
Equity-to-Asset 0.33
FNHC's Equity-to-Asset is ranked higher than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. FNHC: 0.33 )
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: 0.33
0.13
0.41
Interest Coverage 128.18
FNHC's Interest Coverage is ranked higher than
58% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.42 vs. FNHC: 128.18 )
Ranked among companies with meaningful Interest Coverage only.
FNHC' s Interest Coverage Range Over the Past 10 Years
Min: 33.46  Med: No Debt Max: No Debt
Current: 128.18
Piotroski F-Score: 5
Beneish M-Score: -2.26
WACC vs ROIC
11.43%
19.30%
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 : 8/10

vs
industry
vs
history
Operating Margin % 11.39
FNHC's Operating Margin % is ranked higher than
66% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.35 vs. FNHC: 11.39 )
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: 11.39
-27.54
28.55
Net Margin % 7.27
FNHC's Net Margin % is ranked higher than
51% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.22 vs. FNHC: 7.27 )
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: 7.27
-17.48
18.54
ROE % 8.90
FNHC's ROE % is ranked higher than
55% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.38 vs. FNHC: 8.90 )
Ranked among companies with meaningful ROE % only.
FNHC' s ROE % Range Over the Past 10 Years
Min: -14.32  Med: 10.78 Max: 28.86
Current: 8.9
-14.32
28.86
ROA % 3.11
FNHC's ROA % is ranked higher than
63% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.18 vs. FNHC: 3.11 )
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: 3.11
-5.14
9.96
3-Year Revenue Growth Rate 27.70
FNHC's 3-Year Revenue Growth Rate is ranked higher than
92% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.50 vs. FNHC: 27.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FNHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -19.9  Med: 7.8 Max: 28.7
Current: 27.7
-19.9
28.7
3-Year EBITDA Growth Rate 75.80
FNHC's 3-Year EBITDA Growth Rate is ranked higher than
99% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.60 vs. FNHC: 75.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FNHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 30.65 Max: 106.2
Current: 75.8
0
106.2
3-Year EPS without NRI Growth Rate 76.60
FNHC's 3-Year EPS without NRI Growth Rate is ranked higher than
96% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.40 vs. FNHC: 76.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FNHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -45.6  Med: 54.4 Max: 83.4
Current: 76.6
-45.6
83.4
GuruFocus has detected 1 Warning Sign with Federated National Holding Co $FNHC.
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» FNHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

FNHC Guru Trades in Q1 2016

Jim Simons 660,800 sh (+3.80%)
» More
Q2 2016

FNHC Guru Trades in Q2 2016

Jim Simons 649,900 sh (-1.65%)
» More
Q3 2016

FNHC Guru Trades in Q3 2016

Jim Simons 667,400 sh (+2.69%)
» More
Q4 2016

FNHC Guru Trades in Q4 2016

Jim Simons 725,300 sh (+8.68%)
» 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:HALL, NAS:UIHC, NAS:BWINB, NAS:AFH, NYSE:HCI, NYSE:KFS, NAS:DGICB, NAS:UNAM, NAS:NSEC, NAS:GBLI, NAS:EMCI, NAS:NMIH, NYSE:UVE, NAS:IPCC, NYSE:STC, NAS:UFCS, NAS:SAFT, NAS:STFC, NAS:AMSF, NYSE:MBI » details
Federated National Holding Co. is an insurance holding company controlling all steps in the insurance underwriting, distribution and claims processes through its subsidiaries and its contractual relationships with independent agents and general agents.

Federated National Holding Co 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. 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, and South Carolina and underwrites commercial general liability insurance in those states, homeowners' insurance in Louisiana and personal automobile insurance in Georgia and Texas. 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 for Monarch National Insurance Company (MNC). The other lines of business include Commercial General Liability, Personal Automobile, and Flood. The Company's operations are subject to the laws and regulations of Alabama, Florida, Georgia, Louisiana, Nevada, South Carolina and Texas.

Ratios

vs
industry
vs
history
PE Ratio 13.24
FNHC's PE Ratio is ranked higher than
59% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.22 vs. FNHC: 13.24 )
Ranked among companies with meaningful PE Ratio only.
FNHC' s PE Ratio Range Over the Past 10 Years
Min: 3.31  Med: 9.33 Max: 17.29
Current: 13.24
3.31
17.29
PE Ratio without NRI 13.24
FNHC's PE Ratio without NRI is ranked higher than
60% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.56 vs. FNHC: 13.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
FNHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.31  Med: 9.33 Max: 17.29
Current: 13.24
3.31
17.29
Price-to-Owner-Earnings 4.52
FNHC's Price-to-Owner-Earnings is ranked higher than
90% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.25 vs. FNHC: 4.52 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FNHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.21  Med: 5.16 Max: 51.3
Current: 4.52
1.21
51.3
PB Ratio 1.13
FNHC's PB Ratio is ranked higher than
64% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. FNHC: 1.13 )
Ranked among companies with meaningful PB Ratio only.
FNHC' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 1.06 Max: 3.22
Current: 1.13
0.18
3.22
PS Ratio 0.96
FNHC's PS Ratio is ranked higher than
57% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. FNHC: 0.96 )
Ranked among companies with meaningful PS Ratio only.
FNHC' s PS Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.84 Max: 1.92
Current: 0.96
0.22
1.92
Price-to-Free-Cash-Flow 3.99
FNHC's Price-to-Free-Cash-Flow is ranked higher than
91% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.14 vs. FNHC: 3.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FNHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.25  Med: 4.2 Max: 45.81
Current: 3.99
1.25
45.81
Price-to-Operating-Cash-Flow 3.89
FNHC's Price-to-Operating-Cash-Flow is ranked higher than
89% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. FNHC: 3.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FNHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.24  Med: 4.17 Max: 40
Current: 3.89
1.24
40
EV-to-EBIT 5.81
FNHC's EV-to-EBIT is ranked higher than
79% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. FNHC: 5.81 )
Ranked among companies with meaningful EV-to-EBIT only.
FNHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.5  Med: 4.4 Max: 22.9
Current: 5.81
-20.5
22.9
EV-to-EBITDA 5.69
FNHC's EV-to-EBITDA is ranked higher than
79% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.45 vs. FNHC: 5.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -24.7  Med: 4.3 Max: 24.8
Current: 5.69
-24.7
24.8
Shiller PE Ratio 23.89
FNHC's Shiller PE Ratio is ranked lower than
86% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. FNHC: 23.89 )
Ranked among companies with meaningful Shiller PE Ratio only.
FNHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.29  Med: 11.7 Max: 56.76
Current: 23.89
2.29
56.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.40
FNHC's Dividend Yield % is ranked lower than
89% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.68 vs. FNHC: 1.40 )
Ranked among companies with meaningful Dividend Yield % only.
FNHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.34  Med: 2.07 Max: 41.86
Current: 1.4
0.34
41.86
Dividend Payout Ratio 0.15
FNHC's Dividend Payout Ratio is ranked higher than
79% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.31 vs. FNHC: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FNHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.28
Current: 0.15
0.04
0.28
3-Year Dividend Growth Rate 104.10
FNHC's 3-Year Dividend Growth Rate is ranked higher than
96% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. FNHC: 104.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FNHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.9 Max: 154
Current: 104.1
0
154
Forward Dividend Yield % 1.59
FNHC's Forward Dividend Yield % is ranked lower than
87% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. FNHC: 1.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.40
FNHC's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.41 vs. FNHC: 1.40 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FNHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.34  Med: 2.07 Max: 41.86
Current: 1.4
0.34
41.86
3-Year Average Share Buyback Ratio -20.00
FNHC's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. FNHC: -20.00 )
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: -20  Med: -5.8 Max: 3.8
Current: -20
-20
3.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.13
FNHC's Price-to-Tangible-Book is ranked higher than
72% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.51 vs. FNHC: 1.13 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FNHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.33  Med: 1.3 Max: 3.54
Current: 1.13
0.33
3.54
Price-to-Intrinsic-Value-Projected-FCF 0.31
FNHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
90% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. FNHC: 0.31 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FNHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.44 Max: 0.78
Current: 0.31
0.11
0.78
Price-to-Median-PS-Value 1.14
FNHC's Price-to-Median-PS-Value is ranked lower than
61% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. FNHC: 1.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FNHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19  Med: 1.03 Max: 2.23
Current: 1.14
0.19
2.23
Price-to-Graham-Number 0.81
FNHC's Price-to-Graham-Number is ranked higher than
70% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. FNHC: 0.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FNHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.35  Med: 0.78 Max: 1.27
Current: 0.81
0.35
1.27
Earnings Yield (Greenblatt) % 17.17
FNHC's Earnings Yield (Greenblatt) % is ranked higher than
82% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. FNHC: 17.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FNHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.4  Med: 20.55 Max: 12872.7
Current: 17.17
4.4
12872.7

More Statistics

Revenue (TTM) (Mil) $291.4
EPS (TTM) $ 1.51
Beta1.22
Short Percentage of Float0.98%
52-Week Range $14.03 - 24.88
Shares Outstanding (Mil)13.80
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