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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 0.34
NAVG's Cash to Debt is ranked lower than
84% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. NAVG: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
NAVG' s 10-Year Cash to Debt Range
Min: 0  Med: 0.31 Max: No Debt
Current: 0.34
Equity to Asset 0.23
NAVG's Equity to Asset is ranked lower than
63% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAVG: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
NAVG' s 10-Year Equity to Asset Range
Min: 0.14  Med: 0.22 Max: 0.27
Current: 0.23
0.14
0.27
Interest Coverage 9.12
NAVG's Interest Coverage is ranked lower than
73% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. NAVG: 9.12 )
Ranked among companies with meaningful Interest Coverage only.
NAVG' s 10-Year Interest Coverage Range
Min: 4  Med: 11.19 Max: 9999.99
Current: 9.12
4
9999.99
F-Score: 5
WACC vs ROIC
7.66%
9.76%
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 (%) 13.57
NAVG's Operating margin (%) is ranked higher than
62% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. NAVG: 13.57 )
Ranked among companies with meaningful Operating margin (%) only.
NAVG' s 10-Year Operating margin (%) Range
Min: -3.68  Med: 10.92 Max: 21.88
Current: 13.57
-3.68
21.88
Net-margin (%) 9.20
NAVG's Net-margin (%) is ranked higher than
54% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. NAVG: 9.20 )
Ranked among companies with meaningful Net-margin (%) only.
NAVG' s 10-Year Net-margin (%) Range
Min: -3.46  Med: 7.92 Max: 16.3
Current: 9.2
-3.46
16.3
ROE (%) 9.37
NAVG's ROE (%) is ranked lower than
58% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. NAVG: 9.37 )
Ranked among companies with meaningful ROE (%) only.
NAVG' s 10-Year ROE (%) Range
Min: -2.67  Med: 8.37 Max: 15.76
Current: 9.37
-2.67
15.76
ROA (%) 2.13
NAVG's ROA (%) is ranked lower than
63% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. NAVG: 2.13 )
Ranked among companies with meaningful ROA (%) only.
NAVG' s 10-Year ROA (%) Range
Min: -0.6  Med: 1.86 Max: 3.75
Current: 2.13
-0.6
3.75
Revenue Growth (3Y)(%) 11.40
NAVG's Revenue Growth (3Y)(%) is ranked higher than
71% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. NAVG: 11.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAVG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.1  Med: 10.60 Max: 32.4
Current: 11.4
-1.1
32.4
EBITDA Growth (3Y)(%) 54.80
NAVG's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. NAVG: 54.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAVG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -32.8  Med: -1.70 Max: 142.8
Current: 54.8
-32.8
142.8
EPS Growth (3Y)(%) 56.80
NAVG's EPS Growth (3Y)(%) is ranked higher than
78% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. NAVG: 56.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAVG' s 10-Year EPS Growth (3Y)(%) Range
Min: -31.9  Med: -1.60 Max: 85.4
Current: 56.8
-31.9
85.4
» NAVG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014
Q4 2014
Q1 2015
Q2 2015
» Details

Insider Trades

Latest Guru Trades with NAVG

(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) 11.54
NAVG's P/E(ttm) is ranked higher than
53% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. NAVG: 11.54 )
Ranked among companies with meaningful P/E(ttm) only.
NAVG' s 10-Year P/E(ttm) Range
Min: 8.15  Med: 12.12 Max: 29.83
Current: 11.54
8.15
29.83
Forward P/E 10.60
NAVG's Forward P/E is ranked higher than
75% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. NAVG: 10.60 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.70
NAVG's PE(NRI) is ranked higher than
53% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. NAVG: 11.70 )
Ranked among companies with meaningful PE(NRI) only.
NAVG' s 10-Year PE(NRI) Range
Min: 8.15  Med: 12.12 Max: 29.86
Current: 11.7
8.15
29.86
P/B 1.02
NAVG's P/B is ranked higher than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. NAVG: 1.02 )
Ranked among companies with meaningful P/B only.
NAVG' s 10-Year P/B Range
Min: 0.73  Med: 1.05 Max: 1.74
Current: 1.02
0.73
1.74
P/S 1.07
NAVG's P/S is ranked higher than
51% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. NAVG: 1.07 )
Ranked among companies with meaningful P/S only.
NAVG' s 10-Year P/S Range
Min: 0.82  Med: 1.09 Max: 1.76
Current: 1.07
0.82
1.76
PFCF 7.73
NAVG's PFCF is ranked higher than
66% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. NAVG: 7.73 )
Ranked among companies with meaningful PFCF only.
NAVG' s 10-Year PFCF Range
Min: 1.96  Med: 5.67 Max: 12.18
Current: 7.73
1.96
12.18
POCF 7.52
NAVG's POCF is ranked higher than
62% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. NAVG: 7.52 )
Ranked among companies with meaningful POCF only.
NAVG' s 10-Year POCF Range
Min: 1.94  Med: 5.48 Max: 11.58
Current: 7.52
1.94
11.58
EV-to-EBIT 6.73
NAVG's EV-to-EBIT is ranked higher than
65% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. NAVG: 6.73 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVG' s 10-Year EV-to-EBIT Range
Min: 5.5  Med: 8.00 Max: 21.6
Current: 6.73
5.5
21.6
PEG 0.87
NAVG's PEG is ranked lower than
54% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. NAVG: 0.87 )
Ranked among companies with meaningful PEG only.
NAVG' s 10-Year PEG Range
Min: 0.18  Med: 0.71 Max: 4.48
Current: 0.87
0.18
4.48
Shiller P/E 16.68
NAVG's Shiller P/E is ranked higher than
54% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. NAVG: 16.68 )
Ranked among companies with meaningful Shiller P/E only.
NAVG' s 10-Year Shiller P/E Range
Min: 10.23  Med: 15.75 Max: 31.03
Current: 16.68
10.23
31.03
Days Sales Outstanding 148.60
NAVG's Days Sales Outstanding is ranked lower than
79% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. NAVG: 148.60 )
Ranked among companies with meaningful Days Sales Outstanding only.
NAVG' s 10-Year Days Sales Outstanding Range
Min: 1.28  Med: 134.95 Max: 1113.81
Current: 148.6
1.28
1113.81

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
NAVG's Price/Tangible Book is ranked higher than
71% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. NAVG: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVG' s 10-Year Price/Tangible Book Range
Min: 0.59  Med: 1.14 Max: 1.76
Current: 1.04
0.59
1.76
Price/Projected FCF 0.52
NAVG's Price/Projected FCF is ranked higher than
72% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. NAVG: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
NAVG' s 10-Year Price/Projected FCF Range
Min: 0.23  Med: 0.39 Max: 0.94
Current: 0.52
0.23
0.94
Price/DCF (Earnings Based) 1.05
NAVG's Price/DCF (Earnings Based) is ranked lower than
56% of the 9 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. NAVG: 1.05 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.98
NAVG's Price/Median PS Value is ranked higher than
62% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. NAVG: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVG' s 10-Year Price/Median PS Value Range
Min: 0.62  Med: 1.01 Max: 1.6
Current: 0.98
0.62
1.6
Price/Peter Lynch Fair Value 0.46
NAVG's Price/Peter Lynch Fair Value is ranked higher than
63% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.58 vs. NAVG: 0.46 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NAVG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.37  Med: 0.75 Max: 3.96
Current: 0.46
0.37
3.96
Price/Graham Number 0.72
NAVG's Price/Graham Number is ranked higher than
63% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. NAVG: 0.72 )
Ranked among companies with meaningful Price/Graham Number only.
NAVG' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.82 Max: 1.84
Current: 0.72
0.58
1.84
Earnings Yield (Greenblatt) (%) 14.81
NAVG's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. NAVG: 14.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.6  Med: 12.50 Max: 18.1
Current: 14.81
4.6
18.1
Forward Rate of Return (Yacktman) (%) 35.81
NAVG's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. NAVG: 35.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NAVG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.8  Med: 34.30 Max: 82.7
Current: 35.81
3.8
82.7

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Navigators Group, Inc., a Delaware holding company established in 1982, and its wholly-owned subsidiaries, are prepared on the basis of U.S. generally accepted accounting principles (GAAP or U.S. GAAP). The Company is an international insurance company focusing on specialty products within the overall property/casualty insurance market. Its largest product line and most long-standing area of specialization is ocean marine insurance. The Company has also developed specialty niches in professional liability insurance as well as other specialty insurance lines such as contractors' liability and primary and excess liability coverages. Its Lloyd's Operations segment includes Navigators Underwriting Agency Ltd. (NUAL), a Lloyd's of London (Lloyd's) underwriting agency which manages Lloyd's Syndicate 1221 (Syndicate 1221). Its Lloyd's Operations mainly underwrite marine and related lines of business along with offshore energy, professional liability insurance and construction coverages for onshore energy business at Lloyd's through Syndicate 1221. The Company has also established underwriting agencies in Antwerp, Belgium, Stockholm, Sweden and Copenhagen, Denmark, which underwrite risks pursuant to binding authorities with NUAL into Syndicate 1221. The property and casualty insurance industry is highly competitive. It is subject to regulation under the insurance statutes, including holding company statutes, of various states and applicable regulatory authorities in the United States. Its United Kingdom subsidiaries and its Lloyd's Operations are subject to regulation by the FSA, as established by the Financial Services and Markets Act 2000.
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