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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 : 5/10

vs
industry
vs
history
Cash to Debt 6.81
NATL's Cash to Debt is ranked higher than
55% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. NATL: 6.81 )
Ranked among companies with meaningful Cash to Debt only.
NATL' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 1.90 Max: N/A
Current: 6.81
Equity to Asset 0.19
NATL's Equity to Asset is ranked lower than
78% of the 128 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 172.19
NATL's Interest Coverage is ranked higher than
57% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. NATL: 172.19 )
Ranked among companies with meaningful Interest Coverage only.
NATL' s Interest Coverage Range Over the Past 10 Years
Min: 30.73  Med: 47.83 Max: 177.08
Current: 172.19
30.73
177.08
F-Score: 5
WACC vs ROIC
5.50%
7.77%
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 (%) 4.88
NATL's Operating margin (%) is ranked lower than
76% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. NATL: 4.88 )
Ranked among companies with meaningful Operating margin (%) only.
NATL' s Operating margin (%) Range Over the Past 10 Years
Min: 1.95  Med: 11.96 Max: 23.08
Current: 4.88
1.95
23.08
Net-margin (%) 3.85
NATL's Net-margin (%) is ranked lower than
77% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. NATL: 3.85 )
Ranked among companies with meaningful Net-margin (%) only.
NATL' s Net-margin (%) Range Over the Past 10 Years
Min: 1.83  Med: 8.77 Max: 15.4
Current: 3.85
1.83
15.4
ROE (%) 6.52
NATL's ROE (%) is ranked lower than
71% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. NATL: 6.52 )
Ranked among companies with meaningful ROE (%) only.
NATL' s ROE (%) Range Over the Past 10 Years
Min: 3.09  Med: 12.20 Max: 28.52
Current: 6.52
3.09
28.52
ROA (%) 1.32
NATL's ROA (%) is ranked lower than
75% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. NATL: 1.32 )
Ranked among companies with meaningful ROA (%) only.
NATL' s ROA (%) Range Over the Past 10 Years
Min: 0.65  Med: 2.80 Max: 6.55
Current: 1.32
0.65
6.55
Revenue Growth (3Y)(%) 8.10
NATL's Revenue Growth (3Y)(%) is ranked higher than
54% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. NATL: 8.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NATL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 8.1  Med: 11.80 Max: 34.7
Current: 8.1
8.1
34.7
EBITDA Growth (3Y)(%) -40.30
NATL's EBITDA Growth (3Y)(%) is ranked lower than
96% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. NATL: -40.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NATL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.3  Med: 3.90 Max: 179.8
Current: -40.3
-40.3
179.8
EPS Growth (3Y)(%) -32.70
NATL's EPS Growth (3Y)(%) is ranked lower than
99% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. NATL: -32.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NATL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.7  Med: 9.00 Max: 178.6
Current: -32.7
-32.7
178.6
» NATL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

NATL Guru Trades in Q1 2015

Jim Simons 61,400 sh (+10.45%)
Mario Gabelli 140,200 sh (+7.85%)
» More
Q2 2015

NATL Guru Trades in Q2 2015

Jim Simons 66,227 sh (+7.86%)
Mario Gabelli 137,351 sh (-2.03%)
» More
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
» 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) 19.60
NATL's P/E(ttm) is ranked lower than
97% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. NATL: 19.60 )
Ranked among companies with meaningful P/E(ttm) only.
NATL' s P/E(ttm) Range Over the Past 10 Years
Min: 6.95  Med: 13.93 Max: 56.55
Current: 19.6
6.95
56.55
Forward P/E 22.17
NATL's Forward P/E is ranked lower than
93% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. NATL: 22.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.60
NATL's PE(NRI) is ranked lower than
89% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. NATL: 19.60 )
Ranked among companies with meaningful PE(NRI) only.
NATL' s PE(NRI) Range Over the Past 10 Years
Min: 6.95  Med: 13.91 Max: 56.55
Current: 19.6
6.95
56.55
P/B 1.27
NATL's P/B is ranked lower than
59% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NATL: 1.27 )
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: 1.27
1.18
3.41
P/S 0.76
NATL's P/S is ranked higher than
64% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. NATL: 0.76 )
Ranked among companies with meaningful P/S only.
NATL' s P/S Range Over the Past 10 Years
Min: 0.75  Med: 1.12 Max: 2.42
Current: 0.76
0.75
2.42
PFCF 3.38
NATL's PFCF is ranked higher than
90% of the 144 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.03 vs. NATL: 3.38 )
Ranked among companies with meaningful PFCF only.
NATL' s PFCF Range Over the Past 10 Years
Min: 2.72  Med: 7.23 Max: 24.1
Current: 3.38
2.72
24.1
POCF 3.27
NATL's POCF is ranked higher than
90% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.76 vs. NATL: 3.27 )
Ranked among companies with meaningful POCF only.
NATL' s POCF Range Over the Past 10 Years
Min: 2.68  Med: 6.12 Max: 14.45
Current: 3.27
2.68
14.45
EV-to-EBIT 13.97
NATL's EV-to-EBIT is ranked lower than
89% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.53 vs. NATL: 13.97 )
Ranked among companies with meaningful EV-to-EBIT only.
NATL' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.2  Med: 9.80 Max: 49.9
Current: 13.97
5.2
49.9
EV-to-EBITDA 13.66
NATL's EV-to-EBITDA is ranked lower than
93% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.91 vs. NATL: 13.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
NATL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 9.15 Max: 46.8
Current: 13.66
5
46.8
Shiller P/E 13.88
NATL's Shiller P/E is ranked higher than
59% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.56 vs. NATL: 13.88 )
Ranked among companies with meaningful Shiller P/E only.
NATL' s Shiller P/E Range Over the Past 10 Years
Min: 12.33  Med: 15.81 Max: 19.16
Current: 13.88
12.33
19.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.21
NATL's Dividend Yield is ranked lower than
90% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. NATL: 2.21 )
Ranked among companies with meaningful Dividend Yield only.
NATL' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 1.47 Max: 2.19
Current: 2.21
0.21
2.19
Dividend Payout 0.43
NATL's Dividend Payout is ranked lower than
56% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. NATL: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
NATL' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.19 Max: 1.2
Current: 0.43
0.07
1.2
Dividend Growth (3y) 10.10
NATL's Dividend Growth (3y) is ranked higher than
57% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. NATL: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NATL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 11.20 Max: 44.2
Current: 10.1
0
44.2
Forward Dividend Yield 2.21
NATL's Forward Dividend Yield is ranked lower than
79% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. NATL: 2.21 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.81
NATL's Yield on cost (5-Year) is ranked lower than
64% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. NATL: 3.81 )
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: 0.36  Med: 2.51 Max: 3.81
Current: 3.81
0.36
3.81
3-Year Average Share Buyback Ratio -0.60
NATL's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. NATL: -0.60 )
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: -7.9  Med: -0.50 Max: 4.3
Current: -0.6
-7.9
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
NATL's Price/Tangible Book is ranked higher than
52% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. NATL: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
NATL' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.2  Med: 1.58 Max: 3.41
Current: 1.3
1.2
3.41
Price/Projected FCF 0.41
NATL's Price/Projected FCF is ranked higher than
85% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. NATL: 0.41 )
Ranked among companies with meaningful Price/Projected FCF only.
NATL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.45 Max: 0.56
Current: 0.41
0.35
0.56
Price/Median PS Value 0.68
NATL's Price/Median PS Value is ranked higher than
86% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. NATL: 0.68 )
Ranked among companies with meaningful Price/Median PS Value only.
NATL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 1.01 Max: 2.09
Current: 0.68
0.72
2.09
Price/Graham Number 1.06
NATL's Price/Graham Number is ranked lower than
71% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. NATL: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
NATL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.18 Max: 1.98
Current: 1.06
0.62
1.98
Earnings Yield (Greenblatt) (%) 7.20
NATL's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. NATL: 7.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NATL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 10.25 Max: 19.3
Current: 7.2
2
19.3
Forward Rate of Return (Yacktman) (%) -8.00
NATL's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. NATL: -8.00 )
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: -14.1  Med: 13.35 Max: 40.2
Current: -8
-14.1
40.2

More Statistics

Revenue(Mil) $618
EPS $ 1.20
Beta0.53
Short Percentage of Float2.67%
52-Week Range $22.30 - 30.49
Shares Outstanding(Mil)19.90

Latest Earnings Webcast

» More Conference Calls

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 NAS: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 
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 
National Interstate Corp. Reports Operating Results (10-Q) May 06 2009 

More From Other Websites
NATIONAL INTERSTATE CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 04 2016
National Interstate Corporation Reports Preliminary Fourth Quarter and Full Year 2015 Results Feb 02 2016
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National Interstate Corp. breached its 50 day moving average in a Bullish Manner : December 22, 2015 Dec 22 2015
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National Interstate Corporation Announces Anthony (Tony) J. Mercurio Will Succeed David W. Michelson... Dec 21 2015
NATIONAL INTERSTATE CORP Financials Dec 08 2015
Hedge Fund Sentiment Is Stagnant On National Interstate Corporation (NATL) Nov 25 2015
NATIONAL INTERSTATE CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 17 2015
NATIONAL INTERSTATE CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 16 2015
National Interstate Corporation Announces Promotion of Anthony J. Mercurio to President Nov 16 2015
National Interstate Corporation Announces Quarterly Dividend Nov 16 2015
NATIONAL INTERSTATE CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 05 2015
NATIONAL INTERSTATE CORP Files SEC form 10-Q, Quarterly Report Nov 04 2015
Edited Transcript of NATL earnings conference call or presentation 4-Nov-15 3:00pm GMT Nov 04 2015
National Interstate posts 3Q profit Nov 03 2015
National Interstate posts 3Q profit Nov 03 2015
National Interstate Corp. breached its 50 day moving average in a Bullish Manner : October 8, 2015 Oct 08 2015
ETF’s with exposure to National Interstate Corp. : September 28, 2015 Sep 28 2015
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