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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 0.26
NAVG's Cash to Debt is ranked lower than
87% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. NAVG: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
NAVG' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.31 Max: No Debt
Current: 0.26
Equity to Asset 0.23
NAVG's Equity to Asset is ranked lower than
63% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. NAVG: 0.23 )
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: 0.23
0.14
0.27
Interest Coverage 7.90
NAVG's Interest Coverage is ranked lower than
74% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.49 vs. NAVG: 7.90 )
Ranked among companies with meaningful Interest Coverage only.
NAVG' s Interest Coverage Range Over the Past 10 Years
Min: 4  Med: 10.73 Max: 9999.99
Current: 7.9
4
9999.99
F-Score: 4
WACC vs ROIC
7.81%
8.26%
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 (%) 11.72
NAVG's Operating margin (%) is ranked higher than
54% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.07 vs. NAVG: 11.72 )
Ranked among companies with meaningful Operating margin (%) only.
NAVG' s Operating margin (%) Range Over the Past 10 Years
Min: 4.27  Med: 10.92 Max: 21.43
Current: 11.72
4.27
21.43
Net-margin (%) 7.95
NAVG's Net-margin (%) is ranked lower than
53% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. NAVG: 7.95 )
Ranked among companies with meaningful Net-margin (%) only.
NAVG' s Net-margin (%) Range Over the Past 10 Years
Min: 3.34  Med: 7.92 Max: 14.13
Current: 7.95
3.34
14.13
ROE (%) 7.93
NAVG's ROE (%) is ranked lower than
61% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. NAVG: 7.93 )
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: 7.93
3.14
15.76
ROA (%) 1.83
NAVG's ROA (%) is ranked lower than
63% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.44 vs. NAVG: 1.83 )
Ranked among companies with meaningful ROA (%) only.
NAVG' s ROA (%) Range Over the Past 10 Years
Min: 0.71  Med: 1.76 Max: 3.13
Current: 1.83
0.71
3.13
Revenue Growth (3Y)(%) 11.40
NAVG's Revenue Growth (3Y)(%) is ranked higher than
72% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.00 vs. NAVG: 11.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAVG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.6  Med: 11.00 Max: 31.7
Current: 11.4
-0.6
31.7
EBITDA Growth (3Y)(%) 54.80
NAVG's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 81 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 EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.8  Med: 0.80 Max: 142.8
Current: 54.8
-32.8
142.8
EPS Growth (3Y)(%) 56.90
NAVG's EPS Growth (3Y)(%) is ranked higher than
79% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. NAVG: 56.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAVG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.9  Med: 0.00 Max: 85.6
Current: 56.9
-31.9
85.6
» NAVG's 10-Y Financials

Financials (Next Earnings Date: 2016-02-11)


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

» Details

Guru Trades

Q4 2014
Q1 2015
Q2 2015
Q3 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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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 15.01
NAVG's P/E(ttm) is ranked lower than
76% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.94 vs. NAVG: 15.01 )
Ranked among companies with meaningful P/E(ttm) only.
NAVG' s P/E(ttm) Range Over the Past 10 Years
Min: 8.15  Med: 12.19 Max: 29.83
Current: 15.01
8.15
29.83
Forward P/E 10.60
NAVG's Forward P/E is ranked higher than
66% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.86 vs. NAVG: 10.60 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.94
NAVG's PE(NRI) is ranked lower than
66% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.30 vs. NAVG: 14.94 )
Ranked among companies with meaningful PE(NRI) only.
NAVG' s PE(NRI) Range Over the Past 10 Years
Min: 8.15  Med: 12.18 Max: 29.86
Current: 14.94
8.15
29.86
P/B 1.12
NAVG's P/B is ranked lower than
52% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. NAVG: 1.12 )
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: 1.12
0.73
1.74
P/S 1.19
NAVG's P/S is ranked lower than
66% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. NAVG: 1.19 )
Ranked among companies with meaningful P/S only.
NAVG' s P/S Range Over the Past 10 Years
Min: 0.82  Med: 1.10 Max: 1.76
Current: 1.19
0.82
1.76
PFCF 6.36
NAVG's PFCF is ranked higher than
74% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.13 vs. NAVG: 6.36 )
Ranked among companies with meaningful PFCF only.
NAVG' s PFCF Range Over the Past 10 Years
Min: 1.96  Med: 5.93 Max: 12.18
Current: 6.36
1.96
12.18
POCF 6.21
NAVG's POCF is ranked higher than
72% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. NAVG: 6.21 )
Ranked among companies with meaningful POCF only.
NAVG' s POCF Range Over the Past 10 Years
Min: 1.94  Med: 5.67 Max: 11.58
Current: 6.21
1.94
11.58
EV-to-EBIT 8.53
NAVG's EV-to-EBIT is ranked lower than
52% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.43 vs. NAVG: 8.53 )
Ranked among companies with meaningful EV-to-EBIT only.
NAVG' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.2  Med: 7.70 Max: 19.3
Current: 8.53
5.2
19.3
EV-to-EBITDA 8.21
NAVG's EV-to-EBITDA is ranked lower than
62% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.67 vs. NAVG: 8.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 7.40 Max: 17.6
Current: 8.21
4.9
17.6
PEG 1.16
NAVG's PEG is ranked lower than
60% of the 48 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. NAVG: 1.16 )
Ranked among companies with meaningful PEG only.
NAVG' s PEG Range Over the Past 10 Years
Min: 0.19  Med: 0.67 Max: 5.96
Current: 1.16
0.19
5.96
Shiller P/E 18.11
NAVG's Shiller P/E is ranked lower than
66% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.20 vs. NAVG: 18.11 )
Ranked among companies with meaningful Shiller P/E only.
NAVG' s Shiller P/E Range Over the Past 10 Years
Min: 12.77  Med: 16.97 Max: 37.58
Current: 18.11
12.77
37.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
NAVG's Price/Tangible Book is ranked higher than
60% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. NAVG: 1.13 )
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: 1.13
0.59
1.76
Price/Projected FCF 0.52
NAVG's Price/Projected FCF is ranked higher than
72% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. NAVG: 0.52 )
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: 0.52
0.23
0.94
Price/DCF (Earnings Based) 1.34
NAVG's Price/DCF (Earnings Based) is ranked lower than
89% of the 19 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. NAVG: 1.34 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.08
NAVG's Price/Median PS Value is ranked lower than
67% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. NAVG: 1.08 )
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: 1.59
Current: 1.08
0.62
1.59
Price/Peter Lynch Fair Value 0.63
NAVG's Price/Peter Lynch Fair Value is ranked higher than
56% of the 68 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.64 vs. NAVG: 0.63 )
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: 0.75 Max: 3.96
Current: 0.63
0.37
3.96
Price/Graham Number 0.86
NAVG's Price/Graham Number is ranked higher than
55% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. NAVG: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
NAVG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.58  Med: 0.82 Max: 1.84
Current: 0.86
0.58
1.84
Earnings Yield (Greenblatt) (%) 11.74
NAVG's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. NAVG: 11.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.2  Med: 13.00 Max: 19.4
Current: 11.74
5.2
19.4
Forward Rate of Return (Yacktman) (%) 34.84
NAVG's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.99 vs. NAVG: 34.84 )
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: 3.4  Med: 37.60 Max: 82
Current: 34.84
3.4
82

More Statistics

Revenue(Mil) $1039
EPS $ 5.60
Beta0.77
Short Percentage of Float1.56%
52-Week Range $70.88 - 89.14
Shares Outstanding(Mil)14.42

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

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