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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 4.47
NATL's Cash to Debt is ranked higher than
77% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. NATL: 4.47 )
NATL' s 10-Year Cash to Debt Range
Min: 0.11   Max: 9999
Current: 4.47

0.11
9999
Equity to Asset 0.21
NATL's Equity to Asset is ranked higher than
60% of the 246 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. NATL: 0.21 )
NATL' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.28
Current: 0.21

0.14
0.28
Interest Coverage 53.48
NATL's Interest Coverage is ranked higher than
76% of the 207 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. NATL: 53.48 )
NATL' s 10-Year Interest Coverage Range
Min: 5.15   Max: 177.08
Current: 53.48

5.15
177.08
F-Score: 5
Z-Score: 0.83
WACC vs ROIC
6.78%
3.49%
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 (%) 1.95
NATL's Operating margin (%) is ranked higher than
56% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. NATL: 1.95 )
NATL' s 10-Year Operating margin (%) Range
Min: 1.95   Max: 23.66
Current: 1.95

1.95
23.66
Net-margin (%) 1.83
NATL's Net-margin (%) is ranked higher than
56% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. NATL: 1.83 )
NATL' s 10-Year Net-margin (%) Range
Min: 1.53   Max: 15.4
Current: 1.83

1.53
15.4
ROE (%) 3.07
NATL's ROE (%) is ranked higher than
57% of the 246 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.78 vs. NATL: 3.07 )
NATL' s 10-Year ROE (%) Range
Min: 3.09   Max: 49.85
Current: 3.07

3.09
49.85
ROA (%) 0.65
NATL's ROA (%) is ranked higher than
57% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. NATL: 0.65 )
NATL' s 10-Year ROA (%) Range
Min: 0.65   Max: 7.77
Current: 0.65

0.65
7.77
ROC (Joel Greenblatt) (%) 47.51
NATL's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 276.99 vs. NATL: 47.51 )
NATL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 47.74   Max: 614.28
Current: 47.51

47.74
614.28
Revenue Growth (3Y)(%) 8.10
NATL's Revenue Growth (3Y)(%) is ranked higher than
77% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.50 vs. NATL: 8.10 )
NATL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 8.1   Max: 34.7
Current: 8.1

8.1
34.7
EBITDA Growth (3Y)(%) -40.30
NATL's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.70 vs. NATL: -40.30 )
NATL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -40.3   Max: 179.8
Current: -40.3

-40.3
179.8
EPS Growth (3Y)(%) -32.50
NATL's EPS Growth (3Y)(%) is ranked higher than
54% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.80 vs. NATL: -32.50 )
NATL' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.5   Max: 175.9
Current: -32.5

-32.5
175.9
» NATL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

NATL Guru Trades in Q2 2014

Jim Simons 26,100 sh (New)
Mario Gabelli 135,950 sh (+10.98%)
» More
Q3 2014

NATL Guru Trades in Q3 2014

Jim Simons 42,200 sh (+61.69%)
Mario Gabelli 142,700 sh (+4.97%)
» More
Q4 2014

NATL Guru Trades in Q4 2014

Jim Simons 55,591 sh (+31.73%)
Mario Gabelli 130,000 sh (-8.90%)
» More
Q1 2015

NATL Guru Trades in Q1 2015

Mario Gabelli 140,200 sh (+7.85%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 49.80
NATL's P/E(ttm) is ranked lower than
52% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.50 vs. NATL: 49.80 )
NATL' s 10-Year P/E(ttm) Range
Min: 6.95   Max: 53.91
Current: 49.8

6.95
53.91
Forward P/E 22.17
NATL's Forward P/E is ranked higher than
50% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.08 vs. NATL: 22.17 )
N/A
PE(NRI) 50.20
NATL's PE(NRI) is ranked higher than
60% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.20 vs. NATL: 50.20 )
NATL' s 10-Year PE(NRI) Range
Min: 6.95   Max: 53.71
Current: 50.2

6.95
53.71
P/B 1.50
NATL's P/B is ranked higher than
60% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.42 vs. NATL: 1.50 )
NATL' s 10-Year P/B Range
Min: 1.18   Max: 3.4
Current: 1.5

1.18
3.4
P/S 0.91
NATL's P/S is ranked higher than
79% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.27 vs. NATL: 0.91 )
NATL' s 10-Year P/S Range
Min: 0.78   Max: 2.42
Current: 0.91

0.78
2.42
POCF 6.44
NATL's POCF is ranked higher than
89% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.78 vs. NATL: 6.44 )
NATL' s 10-Year POCF Range
Min: 2.67   Max: 14.45
Current: 6.44

2.67
14.45
EV-to-EBIT 43.82
NATL's EV-to-EBIT is ranked higher than
62% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.81 vs. NATL: 43.82 )
NATL' s 10-Year EV-to-EBIT Range
Min: 5.2   Max: 47.2
Current: 43.82

5.2
47.2
Shiller P/E 16.50
NATL's Shiller P/E is ranked higher than
81% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.30 vs. NATL: 16.50 )
NATL' s 10-Year Shiller P/E Range
Min: 9.31   Max: 20.38
Current: 16.5

9.31
20.38
Days Sales Outstanding 164.26
NATL's Days Sales Outstanding is ranked higher than
76% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 257.26 vs. NATL: 164.26 )
NATL' s 10-Year Days Sales Outstanding Range
Min: 93.51   Max: 255.82
Current: 164.26

93.51
255.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.77
NATL's Dividend Yield is ranked lower than
67% of the 216 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. NATL: 1.77 )
NATL' s 10-Year Dividend Yield Range
Min: 0.21   Max: 1.95
Current: 1.77

0.21
1.95
Dividend Payout 0.86
NATL's Dividend Payout is ranked higher than
62% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.61 vs. NATL: 0.86 )
NATL' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.86
Current: 0.86

0.05
0.86
Dividend growth (3y) 10.10
NATL's Dividend growth (3y) is ranked higher than
81% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. NATL: 10.10 )
NATL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 44.2
Current: 10.1

0
44.2
Yield on cost (5-Year) 2.90
NATL's Yield on cost (5-Year) is ranked lower than
56% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.62 vs. NATL: 2.90 )
NATL' s 10-Year Yield on cost (5-Year) Range
Min: 0.36   Max: 3.33
Current: 2.9

0.36
3.33
Share Buyback Rate -0.60
NATL's Share Buyback Rate is ranked higher than
73% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. NATL: -0.60 )
NATL' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -7.9
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
NATL's Price/Tangible Book is ranked higher than
75% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. NATL: 1.50 )
NATL' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 3.4
Current: 1.5

1.2
3.4
Price/DCF (Projected) 0.90
NATL's Price/DCF (Projected) is ranked higher than
78% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. NATL: 0.90 )
NATL' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 0.94
Current: 0.9

0.37
0.94
Price/Median PS Value 0.80
NATL's Price/Median PS Value is ranked higher than
93% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. NATL: 0.80 )
NATL' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.98
Current: 0.8

0.7
1.98
Price/Graham Number 1.80
NATL's Price/Graham Number is ranked higher than
57% of the 280 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NATL: 1.80 )
NATL' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 1.99
Current: 1.8

0.61
1.99
Earnings Yield (Greenblatt) 2.30
NATL's Earnings Yield (Greenblatt) is ranked lower than
57% of the 247 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. NATL: 2.30 )
NATL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 19.1
Current: 2.3

2.1
19.1
Forward Rate of Return (Yacktman) -20.22
NATL's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.91 vs. NATL: -20.22 )
NATL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.5   Max: 29.5
Current: -20.22

-20.5
29.5

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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.
» More Articles for NATL

Headlines

Articles On GuruFocus.com
Best Ex-Dividend Stock List for Nov. 21, 2012 Nov 20 2012 
National Interstate Corp. Reports Operating Results (10-K) Mar 08 2011 
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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 
National Interstate Corp. Reports Operating Results (10-Q) May 06 2009 

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