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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 4.78
NATL's Cash-to-Debt is ranked higher than
56% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.10 vs. NATL: 4.78 )
Ranked among companies with meaningful Cash-to-Debt only.
NATL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 2.88 Max: N/A
Current: 4.78
Equity-to-Asset 0.19
NATL's Equity-to-Asset is ranked lower than
76% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 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 172.00
NATL's Interest Coverage is ranked higher than
59% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. NATL: 172.00 )
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: 177.34
Current: 172
30.73
177.34
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 : 5/10

vs
industry
vs
history
Operating Margin % 5.84
NATL's Operating Margin % is ranked lower than
66% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. NATL: 5.84 )
Ranked among companies with meaningful Operating Margin % only.
NATL' s Operating Margin % Range Over the Past 10 Years
Min: 1.95  Med: 10.18 Max: 23.08
Current: 5.84
1.95
23.08
Net Margin % 4.24
NATL's Net Margin % is ranked lower than
66% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NATL: 4.24 )
Ranked among companies with meaningful Net Margin % only.
NATL' s Net Margin % Range Over the Past 10 Years
Min: 1.83  Med: 7.22 Max: 15.4
Current: 4.24
1.83
15.4
ROE % 7.39
NATL's ROE % is ranked lower than
56% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.32 vs. NATL: 7.39 )
Ranked among companies with meaningful ROE % only.
NATL' s ROE % Range Over the Past 10 Years
Min: 3.09  Med: 10.27 Max: 22.79
Current: 7.39
3.09
22.79
ROA % 1.40
NATL's ROA % is ranked lower than
69% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. NATL: 1.40 )
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: 1.4
0.65
5.37
3-Year Revenue Growth Rate 7.00
NATL's 3-Year Revenue Growth Rate is ranked higher than
56% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NATL: 7.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NATL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 7  Med: 11.7 Max: 34.7
Current: 7
7
34.7
3-Year EBITDA Growth Rate -20.10
NATL's 3-Year EBITDA Growth Rate is ranked lower than
86% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.70 vs. NATL: -20.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NATL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -40.2  Med: -0.9 Max: 176.5
Current: -20.1
-40.2
176.5
3-Year EPS without NRI Growth Rate -15.70
NATL's 3-Year EPS without NRI Growth Rate is ranked lower than
81% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. NATL: -15.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NATL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -32.5  Med: 2.85 Max: 175.9
Current: -15.7
-32.5
175.9
GuruFocus has detected 4 Warning Signs with National Interstate Corp $NATL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NATL's 10-Y Financials

Financials (Next Earnings Date: 2017-05-24 Est.)


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

» Details

Guru Trades

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
Q3 2016

NATL Guru Trades in Q3 2016

Jim Simons 272,300 sh (+43.54%)
Mario Gabelli 149,294 sh (+6.49%)
» More
Q4 2016

NATL Guru Trades in Q4 2016

Jim Simons Sold Out
Mario Gabelli Sold Out
» 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:BWINB, NYSE:AXS » 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.

Guru Investment Theses on National Interstate Corp

Mario Gabelli Comments on National Interstate Corp - Jan 31, 2017

National Interstate Corp. (NASDAQ:NATL), based in Richfield, Ohio, operates as a property and casualty insurance company for the transportation industry. After a failed attempt in 2014, American Financial Group, NATL’s majority owner, entered into an agreement to acquire NATL for $32 cash per share plus a $0.50 special dividend. The deal came after months of negotiations. Subject to customary regulatory and shareholder approvals, the merger closed on November 10, 2016. The Fund earned a 13.22% annualized return.

From Mario Gabelli (Trades, Portfolio)'s ABC Fund fourth quarter 2016 commentary.

Check out Mario Gabelli latest stock trades

Top Ranked Articles about National Interstate Corp

Mario Gabelli Comments on National Interstate Corp Guru stock highlight
National Interstate Corp. (NASDAQ:NATL), based in Richfield, Ohio, operates as a property and casualty insurance company for the transportation industry. After a failed attempt in 2014, American Financial Group, NATL’s majority owner, entered into an agreement to acquire NATL for $32 cash per share plus a $0.50 special dividend. The deal came after months of negotiations. Subject to customary regulatory and shareholder approvals, the merger closed on November 10, 2016. The Fund earned a 13.22% annualized return. Read more...
American Financial CEO Sells Shares in Company Insider trades 100,000 shares
Carl Lindner (Insider Trades), co-CEO and co-president of American Financial Group Inc. (AFG), sold 100,000 shares of the company on Sept. 26. The average price per share was $75.14, for a total transaction of $7,514,000. American Financial Group is a holding company, and through the operations of Great American Insurance Group, American Financial is engaged primarily in property and casualty insurance, focusing on specialized commercial products for businesses, and in the sale of traditional fixed and fixed-indexed annuities. The company has a market cap of $6.42 billion. Read more...
Insider Sells Shares of American Financial Group Co-CEO sells 75,000 company shares
Craig Lindner (Insider Trades), co-CEO and co-president of American Financial Group Inc. (AFG), sold 75,000 shares for $72.13 per share on Aug. 8. The total transaction was $5,409,750. Read more...

Ratios

vs
industry
vs
history
PE Ratio 23.56
NATL's PE Ratio is ranked lower than
77% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.45 vs. NATL: 23.56 )
Ranked among companies with meaningful PE Ratio only.
NATL' s PE Ratio Range Over the Past 10 Years
Min: 6.95  Med: 15.05 Max: 56.55
Current: 23.56
6.95
56.55
PE Ratio without NRI 23.56
NATL's PE Ratio without NRI is ranked lower than
75% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.00 vs. NATL: 23.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
NATL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.95  Med: 15.05 Max: 56.55
Current: 23.56
6.95
56.55
Price-to-Owner-Earnings 9.39
NATL's Price-to-Owner-Earnings is ranked higher than
60% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.35 vs. NATL: 9.39 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NATL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.59  Med: 7.07 Max: 18.59
Current: 9.39
3.59
18.59
PB Ratio 1.65
NATL's PB Ratio is ranked lower than
61% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. NATL: 1.65 )
Ranked among companies with meaningful PB Ratio only.
NATL' s PB Ratio Range Over the Past 10 Years
Min: 1.18  Med: 1.52 Max: 3.41
Current: 1.65
1.18
3.41
PS Ratio 1.00
NATL's PS Ratio is ranked higher than
53% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. NATL: 1.00 )
Ranked among companies with meaningful PS Ratio only.
NATL' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.06 Max: 2.42
Current: 1
0.71
2.42
Price-to-Free-Cash-Flow 8.45
NATL's Price-to-Free-Cash-Flow is ranked higher than
61% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.86 vs. NATL: 8.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NATL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.71  Med: 6.41 Max: 15.93
Current: 8.45
2.71
15.93
Price-to-Operating-Cash-Flow 8.09
NATL's Price-to-Operating-Cash-Flow is ranked higher than
65% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.83 vs. NATL: 8.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NATL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.68  Med: 6.21 Max: 14.42
Current: 8.09
2.68
14.42
EV-to-EBIT 15.11
NATL's EV-to-EBIT is ranked lower than
80% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. NATL: 15.11 )
Ranked among companies with meaningful EV-to-EBIT only.
NATL' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.2  Med: 10.3 Max: 49.9
Current: 15.11
5.2
49.9
EV-to-EBITDA 15.11
NATL's EV-to-EBITDA is ranked lower than
85% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. NATL: 15.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
NATL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 9.8 Max: 42.5
Current: 15.11
5
42.5
Shiller PE Ratio 19.68
NATL's Shiller PE Ratio is ranked lower than
52% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. NATL: 19.68 )
Ranked among companies with meaningful Shiller PE Ratio only.
NATL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.4  Med: 15.9 Max: 19.85
Current: 19.68
12.4
19.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.69
NATL's Dividend Yield % is ranked lower than
83% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.57 vs. NATL: 1.69 )
Ranked among companies with meaningful Dividend Yield % only.
NATL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.51  Med: 1.5 Max: 2.34
Current: 1.69
0.51
2.34
Dividend Payout Ratio 0.40
NATL's Dividend Payout Ratio is ranked lower than
53% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. NATL: 0.40 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NATL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.21 Max: 0.86
Current: 0.4
0.09
0.86
3-Year Dividend Growth Rate 9.10
NATL's 3-Year Dividend Growth Rate is ranked lower than
59% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. NATL: 9.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NATL' s 3-Year Dividend Growth Rate 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 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. NATL: 1.72 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.75
NATL's 5-Year Yield-on-Cost % is ranked lower than
86% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.24 vs. NATL: 2.75 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NATL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.83  Med: 2.44 Max: 3.8
Current: 2.75
0.83
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: -0.30 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-to-Tangible-Book 1.69
NATL's Price-to-Tangible-Book is ranked lower than
53% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.67 vs. NATL: 1.69 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NATL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.2  Med: 1.6 Max: 3.41
Current: 1.69
1.2
3.41
Price-to-Intrinsic-Value-Projected-FCF 0.62
NATL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
69% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. NATL: 0.62 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NATL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.44 Max: 0.62
Current: 0.62
0.32
0.62
Price-to-Median-PS-Value 0.94
NATL's Price-to-Median-PS-Value is ranked higher than
69% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. NATL: 0.94 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NATL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.75  Med: 1.02 Max: 2.18
Current: 0.94
0.75
2.18
Price-to-Graham-Number 1.33
NATL's Price-to-Graham-Number is ranked lower than
70% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. NATL: 1.33 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NATL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 1.21 Max: 1.98
Current: 1.33
0.62
1.98
Earnings Yield (Greenblatt) % 6.62
NATL's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.28 vs. NATL: 6.62 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NATL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2  Med: 9.7 Max: 19.3
Current: 6.62
2
19.3
Forward Rate of Return (Yacktman) % -4.34
NATL's Forward Rate of Return (Yacktman) % is ranked lower than
83% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.01 vs. NATL: -4.34 )
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: 14.2 Max: 41.6
Current: -4.34
-14.1
41.6

More Statistics

Revenue (TTM) (Mil) $650.6
EPS (TTM) $ 1.38
Short Percentage of Float1.22%
52-Week Range $21.15 - 34.49
Shares Outstanding (Mil)19.93
» More Articles for NATL

Headlines

Articles On GuruFocus.com
Mario Gabelli Comments on National Interstate Corp Jan 31 2017 
Mario Gabelli's ABC Fund Merger and Arbitrage 'The Deal Fund' 4th Quarter Shareholder Commentary Jan 31 2017 
American Financial CEO Sells Shares in Company Sep 28 2016 
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 

More From Other Websites
Mario Gabelli Comments on National Interstate Corp Jan 31 2017
NATIONAL INTERSTATE CORP Financials Nov 11 2016
NATIONAL INTERSTATE CORP Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a Continued... Nov 10 2016
American Financial Group, Inc. and National Interstate Corporation Announce Closing of Merger... Nov 10 2016
National Interstate Corp. breached its 50 day moving average in a Bullish Manner : NATL-US :... Nov 08 2016
NATIONAL INTERSTATE CORP Files SEC form 8-K, Other Events Nov 07 2016
NATIONAL INTERSTATE CORP Files SEC form 10-Q, Quarterly Report Nov 04 2016
Wolf Haldenstein Adler Freeman & Herz LLP and Monteverde & Associates PC announces that they have... Nov 03 2016
National Interstate Corp. :NATL-US: Earnings Analysis: Q3, 2016 By the Numbers : November 3, 2016 Nov 03 2016
National Interstate Corporation Reports 2016 Third Quarter Results Nov 01 2016
National Interstate Corp. breached its 50 day moving average in a Bullish Manner : NATL-US : October... Oct 25 2016
National Interstate Corporation Announces Timing of Third Quarter Earnings Release Oct 14 2016
National Interstate Corp. breached its 50 day moving average in a Bullish Manner : NATL-US : October... Oct 11 2016
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