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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.28
NAVG's Cash to Debt is ranked higher than
58% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. NAVG: 0.28 )
NAVG' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.28

Equity to Asset 0.22
NAVG's Equity to Asset is ranked higher than
66% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. NAVG: 0.22 )
NAVG' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.27
Current: 0.22

0.14
0.27
Interest Coverage 8.78
NAVG's Interest Coverage is ranked higher than
60% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. NAVG: 8.78 )
NAVG' s 10-Year Interest Coverage Range
Min: 4   Max: 9999.99
Current: 8.78

4
9999.99
F-Score: 5
Z-Score: 0.76
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 (%) 13.02
NAVG's Operating margin (%) is ranked higher than
78% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. NAVG: 13.02 )
NAVG' s 10-Year Operating margin (%) Range
Min: -3.68   Max: 21.43
Current: 13.02

-3.68
21.43
Net-margin (%) 8.86
NAVG's Net-margin (%) is ranked higher than
74% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. NAVG: 8.86 )
NAVG' s 10-Year Net-margin (%) Range
Min: -18   Max: 16.3
Current: 8.86

-18
16.3
ROE (%) 9.60
NAVG's ROE (%) is ranked higher than
70% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. NAVG: 9.60 )
NAVG' s 10-Year ROE (%) Range
Min: -2.67   Max: 15.76
Current: 9.6

-2.67
15.76
ROA (%) 2.11
NAVG's ROA (%) is ranked higher than
68% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. NAVG: 2.11 )
NAVG' s 10-Year ROA (%) Range
Min: -0.6   Max: 3.75
Current: 2.11

-0.6
3.75
Revenue Growth (%) 10.60
NAVG's Revenue Growth (%) is ranked higher than
81% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. NAVG: 10.60 )
NAVG' s 10-Year Revenue Growth (%) Range
Min: -2.2   Max: 31.7
Current: 10.6

-2.2
31.7
EBITDA Growth (%) 3.30
NAVG's EBITDA Growth (%) is ranked higher than
66% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. NAVG: 3.30 )
NAVG' s 10-Year EBITDA Growth (%) Range
Min: -32.8   Max: 142.8
Current: 3.3

-32.8
142.8
EPS Growth (%) 1.40
NAVG's EPS Growth (%) is ranked higher than
65% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. NAVG: 1.40 )
NAVG' s 10-Year EPS Growth (%) Range
Min: -31.9   Max: 85.4
Current: 1.4

-31.9
85.4
» NAVG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013
Q1 2014
Q2 2014
Q3 2014
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.70
NAVG's P/E(ttm) is ranked higher than
78% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. NAVG: 11.70 )
NAVG' s 10-Year P/E(ttm) Range
Min: 8.15   Max: 29.83
Current: 11.7

8.15
29.83
P/B 1.10
NAVG's P/B is ranked higher than
83% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.32 vs. NAVG: 1.10 )
NAVG' s 10-Year P/B Range
Min: 0.73   Max: 2.05
Current: 1.1

0.73
2.05
P/S 1.00
NAVG's P/S is ranked higher than
79% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. NAVG: 1.00 )
NAVG' s 10-Year P/S Range
Min: 0.82   Max: 1.76
Current: 1

0.82
1.76
PFCF 5.90
NAVG's PFCF is ranked higher than
89% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.46 vs. NAVG: 5.90 )
NAVG' s 10-Year PFCF Range
Min: 1.92   Max: 12.18
Current: 5.9

1.92
12.18
EV-to-EBIT 7.39
NAVG's EV-to-EBIT is ranked higher than
83% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. NAVG: 7.39 )
NAVG' s 10-Year EV-to-EBIT Range
Min: 5.5   Max: 103.4
Current: 7.39

5.5
103.4
PEG 1.86
NAVG's PEG is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. NAVG: 1.86 )
NAVG' s 10-Year PEG Range
Min: 0.18   Max: 4.48
Current: 1.86

0.18
4.48
Shiller P/E 17.20
NAVG's Shiller P/E is ranked higher than
84% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.39 vs. NAVG: 17.20 )
NAVG' s 10-Year Shiller P/E Range
Min: 10.24   Max: 35.6
Current: 17.2

10.24
35.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
NAVG's Price/Tangible Book is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. NAVG: 1.10 )
NAVG' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 1.89
Current: 1.1

0.59
1.89
Price/DCF (Projected) 0.50
NAVG's Price/DCF (Projected) is ranked higher than
92% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. NAVG: 0.50 )
NAVG' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 0.94
Current: 0.5

0.23
0.94
Price/Median PS Value 1.00
NAVG's Price/Median PS Value is ranked higher than
85% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NAVG: 1.00 )
NAVG' s 10-Year Price/Median PS Value Range
Min: 0.64   Max: 1.64
Current: 1

0.64
1.64
Price/Peter Lynch Fair Value 0.80
NAVG's Price/Peter Lynch Fair Value is ranked higher than
92% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. NAVG: 0.80 )
NAVG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.37   Max: 3.96
Current: 0.8

0.37
3.96
Price/Graham Number 0.70
NAVG's Price/Graham Number is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. NAVG: 0.70 )
NAVG' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.84
Current: 0.7

0.58
1.84
Earnings Yield (Greenblatt) 13.50
NAVG's Earnings Yield (Greenblatt) is ranked higher than
82% of the 211 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. NAVG: 13.50 )
NAVG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 18.1
Current: 13.5

1
18.1
Forward Rate of Return (Yacktman) 26.59
NAVG's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.25 vs. NAVG: 26.59 )
NAVG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.8   Max: 82.7
Current: 26.59

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.
» More Articles for NAVG

Headlines

Articles On GuruFocus.com
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 
Navigators Reports Second Quarter Earnings Aug 06 2009 
Navigators Group Inc. Reports Operating Results (10-Q) May 01 2009 


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