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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 5.44
NATL's Cash to Debt is ranked higher than
77% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.36 vs. NATL: 5.44 )
NATL' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 5.44

Equity to Asset 0.21
NATL's Equity to Asset is ranked higher than
65% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. NATL: 0.21 )
NATL' s 10-Year Equity to Asset Range
Min: 0.18   Max: 0.28
Current: 0.21

0.18
0.28
Interest Coverage 30.73
NATL's Interest Coverage is ranked higher than
74% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. NATL: 30.73 )
NATL' s 10-Year Interest Coverage Range
Min: 5.15   Max: 177.08
Current: 30.73

5.15
177.08
F-Score: 5
Z-Score: 0.83
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 (%) 3.81
NATL's Operating margin (%) is ranked higher than
57% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. NATL: 3.81 )
NATL' s 10-Year Operating margin (%) Range
Min: 2.15   Max: 23.66
Current: 3.81

2.15
23.66
Net-margin (%) 3.09
NATL's Net-margin (%) is ranked higher than
58% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. NATL: 3.09 )
NATL' s 10-Year Net-margin (%) Range
Min: 1.53   Max: 15.4
Current: 3.09

1.53
15.4
ROE (%) 4.99
NATL's ROE (%) is ranked higher than
59% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. NATL: 4.99 )
NATL' s 10-Year ROE (%) Range
Min: 4.93   Max: 39.94
Current: 4.99

4.93
39.94
ROA (%) 1.08
NATL's ROA (%) is ranked higher than
59% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. NATL: 1.08 )
NATL' s 10-Year ROA (%) Range
Min: 0.74   Max: 6.6
Current: 1.08

0.74
6.6
ROC (Joel Greenblatt) (%) 87.63
NATL's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 184.44 vs. NATL: 87.63 )
NATL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 35.21   Max: 409.63
Current: 87.63

35.21
409.63
Revenue Growth (%) 12.10
NATL's Revenue Growth (%) is ranked higher than
84% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. NATL: 12.10 )
NATL' s 10-Year Revenue Growth (%) Range
Min: 8.3   Max: 34.7
Current: 12.1

8.3
34.7
EBITDA Growth (%) -22.30
NATL's EBITDA Growth (%) is ranked higher than
52% of the 164 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. NATL: -22.30 )
NATL' s 10-Year EBITDA Growth (%) Range
Min: -22.3   Max: 179.8
Current: -22.3

-22.3
179.8
EPS Growth (%) -24.00
NATL's EPS Growth (%) is ranked higher than
55% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. NATL: -24.00 )
NATL' s 10-Year EPS Growth (%) Range
Min: -29.9   Max: 175.9
Current: -24

-29.9
175.9
» NATL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2012

NATL Guru Trades in Q3 2012

Jim Simons 8,000 sh (-14.89%)
» More
Q4 2012

NATL Guru Trades in Q4 2012

Jim Simons Sold Out
» More
Q1 2014

NATL Guru Trades in Q1 2014

Mario Gabelli 122,500 sh (New)
» More
Q2 2014

NATL Guru Trades in Q2 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Gabelli 2014-03-31 New Buy0.02%$21.82 - $30.35 $ 28.116%122500
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 41.60
NATL's P/E(ttm) is ranked lower than
58% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.20 vs. NATL: 41.60 )
NATL' s 10-Year P/E(ttm) Range
Min: 6.95   Max: 42.78
Current: 41.6

6.95
42.78
P/B 1.50
NATL's P/B is ranked lower than
51% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 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 1.00
NATL's P/S is ranked higher than
72% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. NATL: 1.00 )
NATL' s 10-Year P/S Range
Min: 0.78   Max: 2.42
Current: 1

0.78
2.42
PFCF 8.30
NATL's PFCF is ranked higher than
72% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. NATL: 8.30 )
NATL' s 10-Year PFCF Range
Min: 2.71   Max: 15.95
Current: 8.3

2.71
15.95
EV-to-EBIT 30.82
NATL's EV-to-EBIT is ranked higher than
56% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. NATL: 30.82 )
NATL' s 10-Year EV-to-EBIT Range
Min: 5.2   Max: 32
Current: 30.82

5.2
32
Shiller P/E 18.10
NATL's Shiller P/E is ranked higher than
60% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.78 vs. NATL: 18.10 )
NATL' s 10-Year Shiller P/E Range
Min: 9.31   Max: 20.26
Current: 18.1

9.31
20.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
NATL's Dividend Yield is ranked lower than
74% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.46 vs. NATL: 1.60 )
NATL' s 10-Year Dividend Yield Range
Min: 0.21   Max: 1.95
Current: 1.6

0.21
1.95
Dividend Payout 0.69
NATL's Dividend Payout is ranked higher than
57% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. NATL: 0.69 )
NATL' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.22
Current: 0.69

0.07
1.22
Dividend growth (3y) 11.20
NATL's Dividend growth (3y) is ranked higher than
84% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. NATL: 11.20 )
NATL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 44.2
Current: 11.2

0
44.2
Yield on cost (5-Year) 2.81
NATL's Yield on cost (5-Year) is ranked lower than
53% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.07 vs. NATL: 2.81 )
NATL' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 3.42
Current: 2.81

0.37
3.42
Share Buyback Rate -0.50
NATL's Share Buyback Rate is ranked higher than
69% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. NATL: -0.50 )
NATL' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -7.9
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
NATL's Price/Tangible Book is ranked higher than
58% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. NATL: 1.60 )
NATL' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 3.4
Current: 1.6

1.2
3.4
Price/DCF (Projected) 0.50
NATL's Price/DCF (Projected) is ranked higher than
75% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. NATL: 0.50 )
NATL' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.5
Current: 0.5

0.31
0.5
Price/Median PS Value 0.80
NATL's Price/Median PS Value is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NATL: 0.80 )
NATL' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 1.98
Current: 0.8

0.68
1.98
Price/Graham Number 1.70
NATL's Price/Graham Number is ranked lower than
53% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. NATL: 1.70 )
NATL' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 1.72
Current: 1.7

0.61
1.72
Earnings Yield (Greenblatt) 3.20
NATL's Earnings Yield (Greenblatt) is ranked lower than
65% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. NATL: 3.20 )
NATL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.1   Max: 19.1
Current: 3.2

3.1
19.1
Forward Rate of Return (Yacktman) -8.50
NATL's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. NATL: -8.50 )
NATL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.1   Max: 29.5
Current: -8.5

-7.1
29.5

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
National Interstate Corporation is an Ohio corporation. The Company and its subsidiaries operate as an insurance holding company group that underwrites and sells traditional and alternative property and casualty insurance products. Their services are mainly geared towards the passenger transportation industry and the trucking industry. The company provides general commercial insurance to small businesses in Hawaii and Alaska and personal insurance to owners of recreational vehicles and commercial vehicles throughout the United States. The Company is a specialty property and casualty insurance company with a niche orientation and a focus on the transportation industry. It offers over 35 product lines in the specialty property and casualty insurance market, which it group into four general business components, transportation, specialty personal lines and Hawaii and Alaska based on the class of business, insured's' risk participation or geographic location. The Company competes with numerous insurance companies and reinsurers, including large national underwriters and smaller niche insurance companies. Its main competitors include Lancer Insurance Company, RLI Corporation, American Alternative Insurance Corporation, Great West Casualty Company, Northland Insurance Company and Sentry Insurance. In the specialty personal lines market, its main competitors are Progressive Corporation and GMAC Insurance Group, and in its Hawaii and Alaska markets, its main competitors are Island Insurance Company, First Insurance, Dongbu Insurance Company, DTRIC Insurance Company, Alaska National Insurance Company and Zurich Insurance Company. The company is subject to regulation by government agencies in the states and foreign jurisdictions where its insurance company subsidiaries are domiciled.
» More Articles for NATL

Headlines

Articles On GuruFocus.com
Best Ex-Dividend Stock List for Nov. 21, 2012 Nov 20 2012 
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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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