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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 0.28
NAVG's Cash to Debt is ranked lower than
85% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.38 vs. NAVG: 0.28 )
Ranked among companies with meaningful Cash to Debt only.
NAVG' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.34 Max: No Debt
Current: 0.28
Equity to Asset 0.24
NAVG's Equity to Asset is ranked lower than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. NAVG: 0.24 )
Ranked among companies with meaningful Equity to Asset only.
NAVG' s Equity to Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.22 Max: 0.27
Current: 0.24
0.14
0.27
Interest Coverage 7.26
NAVG's Interest Coverage is ranked lower than
73% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.52 vs. NAVG: 7.26 )
Ranked among companies with meaningful Interest Coverage only.
NAVG' s Interest Coverage Range Over the Past 10 Years
Min: 4  Med: 9.70 Max: 18.06
Current: 7.26
4
18.06
F-Score: 5
M-Score: -2.74
WACC vs ROIC
6.78%
7.44%
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 (%) 10.31
NAVG's Operating margin (%) is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. NAVG: 10.31 )
Ranked among companies with meaningful Operating margin (%) only.
NAVG' s Operating margin (%) Range Over the Past 10 Years
Min: 4.27  Med: 11.24 Max: 21.88
Current: 10.31
4.27
21.88
Net-margin (%) 7.18
NAVG's Net-margin (%) is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.38 vs. NAVG: 7.18 )
Ranked among companies with meaningful Net-margin (%) only.
NAVG' s Net-margin (%) Range Over the Past 10 Years
Min: 3.34  Med: 7.97 Max: 14.13
Current: 7.18
3.34
14.13
ROE (%) 7.20
NAVG's ROE (%) is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.17 vs. NAVG: 7.20 )
Ranked among companies with meaningful ROE (%) only.
NAVG' s ROE (%) Range Over the Past 10 Years
Min: 3.14  Med: 8.06 Max: 15.76
Current: 7.2
3.14
15.76
ROA (%) 1.70
NAVG's ROA (%) is ranked lower than
64% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. NAVG: 1.70 )
Ranked among companies with meaningful ROA (%) only.
NAVG' s ROA (%) Range Over the Past 10 Years
Min: 0.71  Med: 1.83 Max: 3.13
Current: 1.7
0.71
3.13
Revenue Growth (3Y)(%) 5.20
NAVG's Revenue Growth (3Y)(%) is ranked lower than
55% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAVG: 5.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAVG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.1  Med: 10.60 Max: 32.4
Current: 5.2
-1.1
32.4
EBITDA Growth (3Y)(%) 8.10
NAVG's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. NAVG: 8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAVG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.9  Med: 3.30 Max: 142.8
Current: 8.1
-32.9
142.8
EPS Growth (3Y)(%) 7.10
NAVG's EPS Growth (3Y)(%) is ranked lower than
55% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. NAVG: 7.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAVG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.9  Med: 1.40 Max: 85.4
Current: 7.1
-31.9
85.4
» NAVG's 10-Y Financials

Financials (Next Earnings Date: 2016-08-05)


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

» Details

Guru Trades

Q2 2015
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Q4 2015
Q1 2016
» Details

Insider Trades

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:AMSF, NAS:UFCS, NYSE:MBI, NYSE:STC, NAS:JRVR, NAS:AGII, NAS:SAFT, NAS:STFC, NAS:IPCC, NYSE:UVE, NAS:NATL, NAS:EMCI, OTCPK:ELFIF, NAS:GBLI, NAS:SNC, NAS:DGICB, NAS:BWINB, NYSE:HRTG, NAS:NMIH, NAS:UIHC » details
Navigators Group is an international insurance holding company focused on specialty products within the overall property/casualty insurance market.

Navigators Group Inc is an international insurance company with area of specialization in Marine insurance. Its Property and Casualty (P&C) insurance business offers general liability coverage and umbrella & excess liability coverage to commercial enterprises through its Primary and Excess Casualty divisions. It also has developed niches in Professional Liability insurance, through its Directors & Officers and Errors & Omissions divisions. The Company distributes products through international, national, and regional, retail and wholesale insurance brokers. Its U.S. Insurance, Int'l Insurance and GlobalRe reporting segments are considered underwriting segments. Both the U.S. Insurance and Int'l Insurance reporting segments are comprised of three operating segments: Marine - the Company has been providing insurance protection for marine clients since 1974. It offers insurance for companies engaged in diverse aspects of shipping, trade and transportation; P&C - its P&C operating segment brings a specialist orientation to the standard commercial middle market for targeted industries and exposures; and Professional Liability - its Professional Liability operating segment provides niche insurance solutions for numerous Professional Liability risks. The Company's products are classified as U.S. Marine Products; U.S. P&C Products; U.S. Professional Liability Products; Int'l Marine Products; Int'l P&C Products; Int'l Professional Liability; and GlobalRe Products. The Company faces competition from both domestic and foreign insurers. The Company is subject to regulation under the insurance statutes, including holding company statutes of various states and applicable regulatory authorities in the United States.

Ratios

vs
industry
vs
history
P/E(ttm) 17.86
NAVG's P/E(ttm) is ranked lower than
65% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. NAVG: 17.86 )
Ranked among companies with meaningful P/E(ttm) only.
NAVG' s P/E(ttm) Range Over the Past 10 Years
Min: 8.15  Med: 12.47 Max: 30.18
Current: 17.86
8.15
30.18
PE(NRI) 17.86
NAVG's PE(NRI) is ranked lower than
63% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.22 vs. NAVG: 17.86 )
Ranked among companies with meaningful PE(NRI) only.
NAVG' s PE(NRI) Range Over the Past 10 Years
Min: 8.15  Med: 12.47 Max: 30.18
Current: 17.86
8.15
30.18
Price/Owner Earnings (ttm) 5.23
NAVG's Price/Owner Earnings (ttm) is ranked higher than
88% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.41 vs. NAVG: 5.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NAVG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.25  Med: 5.30 Max: 9.88
Current: 5.23
2.25
9.88
P/B 1.17
NAVG's P/B is ranked higher than
56% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. NAVG: 1.17 )
Ranked among companies with meaningful P/B only.
NAVG' s P/B Range Over the Past 10 Years
Min: 0.73  Med: 1.04 Max: 1.74
Current: 1.17
0.73
1.74
P/S 1.26
NAVG's P/S is ranked lower than
55% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. NAVG: 1.26 )
Ranked among companies with meaningful P/S only.
NAVG' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 1.09 Max: 1.69
Current: 1.26
0.81
1.69
PFCF 5.24
NAVG's PFCF is ranked higher than
82% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.71 vs. NAVG: 5.24 )
Ranked among companies with meaningful PFCF only.
NAVG' s PFCF Range Over the Past 10 Years
Min: 2.22  Med: 5.88 Max: 12.17
Current: 5.24
2.22
12.17
POCF 5.14
NAVG's POCF is ranked higher than
82% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.18 vs. NAVG: 5.14 )
Ranked among companies with meaningful POCF only.
NAVG' s POCF Range Over the Past 10 Years
Min: 2.19  Med: 5.63 Max: 11.56
Current: 5.14
2.19
11.56
EV-to-EBIT 10.48
NAVG's EV-to-EBIT is ranked lower than
55% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.55 vs. NAVG: 10.48 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVG' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.9  Med: 7.20 Max: 16.2
Current: 10.48
4.9
16.2
EV-to-EBITDA 10.07
NAVG's EV-to-EBITDA is ranked lower than
58% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. NAVG: 10.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 7.00 Max: 15.2
Current: 10.07
4.9
15.2
PEG 0.98
NAVG's PEG is ranked lower than
60% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. NAVG: 0.98 )
Ranked among companies with meaningful PEG only.
NAVG' s PEG Range Over the Past 10 Years
Min: 0.18  Med: 0.65 Max: 146.77
Current: 0.98
0.18
146.77
Shiller P/E 19.67
NAVG's Shiller P/E is ranked lower than
59% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.39 vs. NAVG: 19.67 )
Ranked among companies with meaningful Shiller P/E only.
NAVG' s Shiller P/E Range Over the Past 10 Years
Min: 12.93  Med: 17.16 Max: 32.08
Current: 19.67
12.93
32.08

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.10
NAVG's Dividend Yield is ranked lower than
99.99% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.96 vs. NAVG: 0.10 )
Ranked among companies with meaningful Dividend Yield only.
NAVG' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0.1
Current: 0.1
0
0.1
Forward Dividend Yield 0.41
NAVG's Forward Dividend Yield is ranked lower than
99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.99 vs. NAVG: 0.41 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.10
NAVG's Yield on cost (5-Year) is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. NAVG: 0.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NAVG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0.1
Current: 0.1
0
0.1
3-Year Average Share Buyback Ratio -0.90
NAVG's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. NAVG: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NAVG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -25.2  Med: -0.30 Max: 5.9
Current: -0.9
-25.2
5.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
NAVG's Price/Tangible Book is ranked higher than
65% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.42 vs. NAVG: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
NAVG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.59  Med: 1.12 Max: 1.76
Current: 1.2
0.59
1.76
Price/Projected FCF 0.53
NAVG's Price/Projected FCF is ranked higher than
74% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. NAVG: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
NAVG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.39 Max: 0.94
Current: 0.53
0.23
0.94
Price/DCF (Earnings Based) 1.54
NAVG's Price/DCF (Earnings Based) is ranked lower than
87% of the 15 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. NAVG: 1.54 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.17
NAVG's Price/Median PS Value is ranked lower than
63% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. NAVG: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
NAVG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 1.00 Max: 1.53
Current: 1.17
0.62
1.53
Price/Peter Lynch Fair Value 0.71
NAVG's Price/Peter Lynch Fair Value is ranked higher than
50% of the 36 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.68 vs. NAVG: 0.71 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NAVG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.37  Med: 0.72 Max: 3.96
Current: 0.71
0.37
3.96
Price/Graham Number 0.98
NAVG's Price/Graham Number is ranked higher than
57% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. NAVG: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
NAVG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 0.82 Max: 1.8
Current: 0.98
0.59
1.8
Earnings Yield (Greenblatt) (%) 9.55
NAVG's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. NAVG: 9.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.2  Med: 13.80 Max: 20.4
Current: 9.55
6.2
20.4
Forward Rate of Return (Yacktman) (%) 37.86
NAVG's Forward Rate of Return (Yacktman) (%) is ranked higher than
76% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. NAVG: 37.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NAVG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.9  Med: 37.10 Max: 85.9
Current: 37.86
4.9
85.9

More Statistics

Revenue (TTM) (Mil) $1,087
EPS (TTM) $ 5.25
Beta0.77
Short Percentage of Float1.75%
52-Week Range $71.01 - 97.18
Shares Outstanding (Mil)14.53
» More Articles for NAVG

Headlines

Articles On GuruFocus.com
Diamond Hill Small Cap Fund 2014 Portfolio Commentary Mar 17 2015 
Diamond Hill Small Cap Fund Q4 2014 Commentary Mar 17 2015 
Diamond Hill Capital Updates Portfolio for Q4: Top New Buys Jan 31 2013 
Wilbur Ross on His Investment Strategy and Considering Investing in Spanish Banks Oct 24 2012 
Navigators Group Inc. Reports Operating Results (10-Q) Aug 05 2010 
Navigators Group Inc. Reports Operating Results (10-Q) May 07 2010 
Guru Stocks at 52-Week Lows: GameStop Corp, Corinthian Colleges Inc, Navigators Group Inc, Sycamore Jan 17 2010 
Guru Stocks at 52-Week Low: The Kroger Co, GameStop Corp, Navigators Group Inc, Sycamore Networks In Jan 09 2010 
Navigators Group Inc. Reports Operating Results (10-Q) Nov 06 2009 
Navigators Group Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
A.M. Best Affirms Ratings of Navigators Insurance Company, Its Subsidiary and The Navigators Group,... Jul 21 2016
Navigators May Incur Q2 Catastrophe Loss of $12 Million Jul 20 2016
Navigators Estimates Catastrophe Losses for Second Quarter Jul 15 2016
Navigators Estimates Catastrophe Losses for Second Quarter Jul 15 2016
The Navigators Group, Inc. breached its 50 day moving average in a Bullish Manner : NAVG-US : July... Jul 11 2016
Navigators to Release Second Quarter 2016 Results on Thursday, August 4, 2016 Jul 07 2016
Navigators to Release Second Quarter 2016 Results on Thursday, August 4, 2016 Jul 07 2016
The Navigators Group, Inc. breached its 50 day moving average in a Bearish Manner : NAVG-US : June... Jun 28 2016
The Navigators Group, Inc. (Nasdaq: NAVG) to Ring The Nasdaq Stock Market Closing Bell Jun 17 2016
The Navigators Group, Inc. (Nasdaq: NAVG) to Ring The Nasdaq Stock Market Closing Bell Jun 17 2016
NAVIGATORS GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... May 31 2016
Navigators Stays Investor Friendly; Rolls Out Dividend May 27 2016
Navigators Initiates Dividend May 26 2016
Navigators Initiates Dividend May 26 2016
Maker of $1.5 Million Surgical Robot Hid More Than 700 Injury Claims, Insurer Says May 26 2016
NAVIGATORS GROUP INC Financials May 14 2016
The Navigators Group, Inc. :NAVG-US: Earnings Analysis: Q1, 2016 By the Numbers May 12 2016
NAVIGATORS GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 09 2016
NAVIGATORS GROUP INC Files SEC form 10-Q, Quarterly Report May 06 2016
Edited Transcript of NAVG earnings conference call or presentation 6-May-16 12:30pm GMT May 06 2016

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