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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 6.06
NATL's Cash to Debt is ranked higher than
54% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. NATL: 6.06 )
Ranked among companies with meaningful Cash to Debt only.
NATL' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 2.79 Max: N/A
Current: 6.06
Equity to Asset 0.19
NATL's Equity to Asset is ranked lower than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. NATL: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
NATL' s Equity to Asset Range Over the Past 10 Years
Min: 0.18  Med: 0.22 Max: 0.28
Current: 0.19
0.18
0.28
Interest Coverage 145.73
NATL's Interest Coverage is ranked higher than
54% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 47.73 vs. NATL: 145.73 )
Ranked among companies with meaningful Interest Coverage only.
NATL' s Interest Coverage Range Over the Past 10 Years
Min: 30.73  Med: 65.63 Max: 177.08
Current: 145.73
30.73
177.08
F-Score: 4
WACC vs ROIC
11.44%
7.43%
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 (%) 4.80
NATL's Operating margin (%) is ranked lower than
71% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. NATL: 4.80 )
Ranked among companies with meaningful Operating margin (%) only.
NATL' s Operating margin (%) Range Over the Past 10 Years
Min: 1.95  Med: 10.17 Max: 23.08
Current: 4.8
1.95
23.08
Net-margin (%) 3.57
NATL's Net-margin (%) is ranked lower than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. NATL: 3.57 )
Ranked among companies with meaningful Net-margin (%) only.
NATL' s Net-margin (%) Range Over the Past 10 Years
Min: 1.83  Med: 7.21 Max: 15.4
Current: 3.57
1.83
15.4
ROE (%) 6.23
NATL's ROE (%) is ranked lower than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.87 vs. NATL: 6.23 )
Ranked among companies with meaningful ROE (%) only.
NATL' s ROE (%) Range Over the Past 10 Years
Min: 3.09  Med: 10.28 Max: 22.79
Current: 6.23
3.09
22.79
ROA (%) 1.19
NATL's ROA (%) is ranked lower than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. NATL: 1.19 )
Ranked among companies with meaningful ROA (%) only.
NATL' s ROA (%) Range Over the Past 10 Years
Min: 0.65  Med: 2.29 Max: 5.37
Current: 1.19
0.65
5.37
Revenue Growth (3Y)(%) 7.00
NATL's Revenue Growth (3Y)(%) is ranked higher than
55% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. NATL: 7.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NATL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 7  Med: 11.7 Max: 34.7
Current: 7
7
34.7
EBITDA Growth (3Y)(%) -20.10
NATL's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.70 vs. NATL: -20.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NATL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.2  Med: -0.9 Max: 176.5
Current: -20.1
-40.2
176.5
EPS Growth (3Y)(%) -15.70
NATL's EPS Growth (3Y)(%) is ranked lower than
87% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. NATL: -15.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NATL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.5  Med: 2.85 Max: 175.9
Current: -15.7
-32.5
175.9
» NATL's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-04)


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

» Details

Guru Trades

Q3 2015

NATL Guru Trades in Q3 2015

Jim Simons 93,900 sh (+41.79%)
Mario Gabelli 140,051 sh (+1.97%)
» More
Q4 2015

NATL Guru Trades in Q4 2015

Jim Simons 113,900 sh (+21.30%)
Mario Gabelli 137,851 sh (-1.57%)
» More
Q1 2016

NATL Guru Trades in Q1 2016

Jim Simons 167,600 sh (+47.15%)
Mario Gabelli 136,100 sh (-1.27%)
» More
Q2 2016

NATL Guru Trades in Q2 2016

Jim Simons 189,700 sh (+13.19%)
Mario Gabelli 140,200 sh (+3.01%)
» More
» Details

Insider Trades

Latest Guru Trades with NATL

(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:EMCI, NAS:GBLI, NAS:NMIH, NYSE:UVE, NAS:SNC, NYSE:HRTG, NAS:DGICB, NAS:BWINB, NAS:IPCC, NAS:STFC, NAS:UIHC, NYSE:HCI, NAS:SAFT, NYSE:STC, OTCPK:PRBDF, NAS:FNHC, NAS:JRVR, NYSE:MBI, NAS:UFCS, NAS:AFH » details
National Interstate Corp operates as an insurance holding company group that underwrites and sells traditional and alternative property and casualty insurance products to the passenger transportation, trucking and moving and storage industries.

National Interstate Corp was founded in 1989. The Company, together with its subsidiaries operates as an insurance holding company group that underwrites and sells traditional and alternative property and casualty insurance products to the passenger transportation, trucking and moving and storage industries, general commercial insurance to small businesses in Hawaii and Alaska and personal insurance to owners of recreational vehicles throughout the United States. It is a specialty property and casualty insurance company with a niche orientation and a focus on the transportation industry. It offers over 40 product lines in the specialty property and casualty insurance market, which it groups into four general business components, alternative risk transfer, transportation, specialty personal lines and Hawaii and Alaska based on the class of business, insureds' risk participation or geographic location. Alternative risk transfer underwrites, markets and distributes truck transportation, passenger transportation and moving and storage ART insurance products, also known as captives. Transportation underwrites commercial auto liability, general liability, physical damage, workers' compensation and motor truck cargo and related coverages for truck and passenger operators. Specialty personal lines offer coverage for campsite liability, vehicle replacement coverage and coverage for trailers, golf carts and campsite storage facilities. The Company offers its products through multiple distribution channels including independent agents and brokers, program administrators, affiliated agencies and agent internet initiatives. The Company competes with Lancer Insurance Company, RLI Corporation, Great West Casualty Company, Northland Insurance Company, Sentry Insurance, Progressive Corporation and National General Insurance, Liberty Mutual Insurance Company, First Insurance, Dongbu Insurance Company, DTRIC Insurance Company, Zurich Insurance Company, American International Group, Inc., Travelers Company, Inc.

Ratios

vs
industry
vs
history
P/E(ttm) 28.31
NATL's P/E(ttm) is ranked lower than
89% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.66 vs. NATL: 28.31 )
Ranked among companies with meaningful P/E(ttm) only.
NATL' s P/E(ttm) Range Over the Past 10 Years
Min: 6.95  Med: 14.63 Max: 56.55
Current: 28.31
6.95
56.55
PE(NRI) 28.31
NATL's PE(NRI) is ranked lower than
90% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.68 vs. NATL: 28.31 )
Ranked among companies with meaningful PE(NRI) only.
NATL' s PE(NRI) Range Over the Past 10 Years
Min: 6.95  Med: 14.63 Max: 56.55
Current: 28.31
6.95
56.55
Price/Owner Earnings (ttm) 7.36
NATL's Price/Owner Earnings (ttm) is ranked higher than
76% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.59 vs. NATL: 7.36 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NATL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.59  Med: 7.04 Max: 18.56
Current: 7.36
3.59
18.56
P/B 1.70
NATL's P/B is ranked lower than
74% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. NATL: 1.70 )
Ranked among companies with meaningful P/B only.
NATL' s P/B Range Over the Past 10 Years
Min: 1.18  Med: 1.53 Max: 3.41
Current: 1.7
1.18
3.41
P/S 1.01
NATL's P/S is ranked higher than
54% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. NATL: 1.01 )
Ranked among companies with meaningful P/S only.
NATL' s P/S Range Over the Past 10 Years
Min: 0.71  Med: 1.08 Max: 2.42
Current: 1.01
0.71
2.42
PFCF 6.31
NATL's PFCF is ranked higher than
76% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.73 vs. NATL: 6.31 )
Ranked among companies with meaningful PFCF only.
NATL' s PFCF Range Over the Past 10 Years
Min: 3.11  Med: 6.66 Max: 33.73
Current: 6.31
3.11
33.73
POCF 6.14
NATL's POCF is ranked higher than
72% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. NATL: 6.14 )
Ranked among companies with meaningful POCF only.
NATL' s POCF Range Over the Past 10 Years
Min: 2.68  Med: 6.12 Max: 14.42
Current: 6.14
2.68
14.42
EV-to-EBIT 18.91
NATL's EV-to-EBIT is ranked lower than
83% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.65 vs. NATL: 18.91 )
Ranked among companies with meaningful EV-to-EBIT only.
NATL' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.2  Med: 10.1 Max: 49.9
Current: 18.91
5.2
49.9
EV-to-EBITDA 18.91
NATL's EV-to-EBITDA is ranked lower than
88% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.36 vs. NATL: 18.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
NATL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 9.55 Max: 49.9
Current: 18.91
5
49.9
Shiller P/E 19.91
NATL's Shiller P/E is ranked lower than
70% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. NATL: 19.91 )
Ranked among companies with meaningful Shiller P/E only.
NATL' s Shiller P/E Range Over the Past 10 Years
Min: 12.33  Med: 15.89 Max: 19.98
Current: 19.91
12.33
19.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.66
NATL's Dividend Yield is ranked lower than
82% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.86 vs. NATL: 1.66 )
Ranked among companies with meaningful Dividend Yield only.
NATL' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 1.48 Max: 2.34
Current: 1.66
0.21
2.34
Dividend Payout 0.47
NATL's Dividend Payout is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. NATL: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
NATL' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.21 Max: 1.3
Current: 0.47
0.07
1.3
Dividend Growth (3y) 9.10
NATL's Dividend Growth (3y) is ranked lower than
56% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. NATL: 9.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NATL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 10.65 Max: 44.2
Current: 9.1
0
44.2
Forward Dividend Yield 1.72
NATL's Forward Dividend Yield is ranked lower than
85% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.76 vs. NATL: 1.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.68
NATL's Yield on cost (5-Year) is ranked lower than
86% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.64 vs. NATL: 2.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NATL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.34  Med: 2.41 Max: 3.8
Current: 2.68
0.34
3.8
3-Year Average Share Buyback Ratio -0.50
NATL's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. NATL: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NATL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.7  Med: -0.5 Max: 4.3
Current: -0.5
-7.7
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.73
NATL's Price/Tangible Book is ranked lower than
66% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. NATL: 1.73 )
Ranked among companies with meaningful Price/Tangible Book only.
NATL' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.2  Med: 1.59 Max: 3.41
Current: 1.73
1.2
3.41
Price/Projected FCF 0.62
NATL's Price/Projected FCF is ranked higher than
63% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.76 vs. NATL: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
NATL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.51 Max: 0.58
Current: 0.62
0.41
0.58
Price/Median PS Value 0.94
NATL's Price/Median PS Value is ranked higher than
64% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. NATL: 0.94 )
Ranked among companies with meaningful Price/Median PS Value only.
NATL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.74  Med: 1.02 Max: 2.14
Current: 0.94
0.74
2.14
Price/Graham Number 1.47
NATL's Price/Graham Number is ranked lower than
82% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. NATL: 1.47 )
Ranked among companies with meaningful Price/Graham Number only.
NATL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.21 Max: 1.98
Current: 1.47
0.62
1.98
Earnings Yield (Greenblatt) (%) 5.30
NATL's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. NATL: 5.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NATL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 9.9 Max: 19.3
Current: 5.3
2
19.3
Forward Rate of Return (Yacktman) (%) -8.02
NATL's Forward Rate of Return (Yacktman) (%) is ranked lower than
85% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. NATL: -8.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NATL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -16.1  Med: 10.65 Max: 40.2
Current: -8.02
-16.1
40.2

More Statistics

Revenue (TTM) (Mil) $643.9
EPS (TTM) $ 1.15
Beta1.34
Short Percentage of Float1.52%
52-Week Range $21.15 - 34.49
Shares Outstanding (Mil)19.93
» More Articles for NAS:NATL

Headlines

Articles On GuruFocus.com
Insider Sells Shares of American Financial Group Aug 09 2016 
Best Ex-Dividend Stock List for Nov. 21, 2012 Nov 20 2012 
National Interstate Corp. Reports Operating Results (10-K) Mar 08 2011 
Dividend Stocks Showing Investors the money Mar 07 2011 
10 Dividend Stocks Raising Their Payouts And Yields Mar 07 2011 
National Interstate Corp. Reports Operating Results (10-Q) Nov 09 2010 
National Interstate Corp. Reports Operating Results (10-Q) Aug 04 2010 
National Interstate Corp. Reports Operating Results (10-Q) May 07 2010 
National Interstate Corp. Reports Operating Results (10-Q) Nov 04 2009 
National Interstate Corp. Reports Operating Results (10-Q) Aug 06 2009 

More From Other Websites
NATIONAL INTERSTATE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 23 2016
RenaissanceRe & Units Receive Ratings Action from A.M Best Aug 22 2016
National Interstate Hits 52-Week High on Solid Q2, Merger Aug 22 2016
National Interstate Corporation Announces Quarterly Dividend Aug 19 2016
National Interstate Corporation Announces Quarterly Dividend Aug 19 2016
American Financial's $300M Senior Notes See Rating Action Aug 18 2016
How American Financial will use $300M Aug 17 2016
NATIONAL INTERSTATE CORP Financials Aug 16 2016
American Financial Announces Offering of Senior Notes Aug 16 2016
Cincinnati Financial Poised for Growth, Cat Loss a Drag Aug 12 2016
Should National Interstate (NATL) Stock Be in Your Portfolio? Aug 10 2016
National Interstate Corp. :NATL-US: Earnings Analysis: Q2, 2016 By the Numbers : August 10, 2016 Aug 10 2016
Insider Sells Shares of American Financial Group Aug 09 2016
NATIONAL INTERSTATE CORP Files SEC form 10-Q, Quarterly Report Aug 08 2016
NATIONAL INTERSTATE CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 05 2016
Edited Transcript of NATL earnings conference call or presentation 3-Aug-16 2:00pm GMT Aug 03 2016
National Interstate posts 2Q profit Aug 02 2016
National Interstate posts 2Q profit Aug 02 2016
National Interstate Corporation Reports 2016 Second Quarter Results Aug 02 2016
National Interstate Corporation Reports 2016 Second Quarter Results Aug 02 2016

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