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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
83% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 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
62% of the 131 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
76% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.82 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
7.13%
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
51% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.15 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 lower than
52% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.56 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
58% of the 131 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
65% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.34 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
57% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.40 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 lower than
52% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 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 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 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: 85.6
Current: 7.1
-31.9
85.6
» NAVG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-07)


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

Latest Guru Trades with NAVG

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:BSP:SULA11, NYSE:WTM, LSE:HSX, XKRX:005830, XPAR:ELE, XMCE:GCO » details
Navigators Group is an international insurance holding company focused on specialty products within the overall property/casualty insurance market.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 17.20
NAVG's P/E(ttm) is ranked lower than
72% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.52 vs. NAVG: 17.20 )
Ranked among companies with meaningful P/E(ttm) only.
NAVG' s P/E(ttm) Range Over the Past 10 Years
Min: 8.15  Med: 12.32 Max: 29.83
Current: 17.2
8.15
29.83
PE(NRI) 17.20
NAVG's PE(NRI) is ranked lower than
72% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.94 vs. NAVG: 17.20 )
Ranked among companies with meaningful PE(NRI) only.
NAVG' s PE(NRI) Range Over the Past 10 Years
Min: 8.15  Med: 12.32 Max: 29.86
Current: 17.2
8.15
29.86
Price/Owner Earnings (ttm) 5.05
NAVG's Price/Owner Earnings (ttm) is ranked higher than
85% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.23 vs. NAVG: 5.05 )
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: 5.05
2.25
9.88
P/B 1.14
NAVG's P/B is ranked higher than
53% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. NAVG: 1.14 )
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: 1.14
0.73
1.74
P/S 1.23
NAVG's P/S is ranked lower than
56% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. NAVG: 1.23 )
Ranked among companies with meaningful P/S only.
NAVG' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 1.10 Max: 1.69
Current: 1.23
0.81
1.69
PFCF 5.06
NAVG's PFCF is ranked higher than
80% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.49 vs. NAVG: 5.06 )
Ranked among companies with meaningful PFCF only.
NAVG' s PFCF Range Over the Past 10 Years
Min: 2.22  Med: 5.84 Max: 12.17
Current: 5.06
2.22
12.17
POCF 4.95
NAVG's POCF is ranked higher than
82% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.84 vs. NAVG: 4.95 )
Ranked among companies with meaningful POCF only.
NAVG' s POCF Range Over the Past 10 Years
Min: 2.19  Med: 5.61 Max: 11.56
Current: 4.95
2.19
11.56
EV-to-EBIT 10.13
NAVG's EV-to-EBIT is ranked lower than
59% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.44 vs. NAVG: 10.13 )
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: 10.13
4.9
16.2
EV-to-EBITDA 9.68
NAVG's EV-to-EBITDA is ranked lower than
60% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.80 vs. NAVG: 9.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAVG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 6.90 Max: 15.2
Current: 9.68
4.9
15.2
PEG 1.01
NAVG's PEG is ranked lower than
56% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. NAVG: 1.01 )
Ranked among companies with meaningful PEG only.
NAVG' s PEG Range Over the Past 10 Years
Min: 0.18  Med: 0.64 Max: 146.77
Current: 1.01
0.18
146.77
Shiller P/E 19.16
NAVG's Shiller P/E is ranked lower than
64% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.66 vs. NAVG: 19.16 )
Ranked among companies with meaningful Shiller P/E only.
NAVG' s Shiller P/E Range Over the Past 10 Years
Min: 12.77  Med: 17.00 Max: 31.42
Current: 19.16
12.77
31.42

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
NAVG's Price/Tangible Book is ranked higher than
55% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. NAVG: 1.16 )
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: 1.16
0.59
1.76
Price/Projected FCF 0.52
NAVG's Price/Projected FCF is ranked higher than
73% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 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) 1.48
NAVG's Price/DCF (Earnings Based) is ranked lower than
92% of the 13 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. NAVG: 1.48 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.12
NAVG's Price/Median PS Value is ranked lower than
62% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. NAVG: 1.12 )
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: 0.99 Max: 1.53
Current: 1.12
0.62
1.53
Price/Peter Lynch Fair Value 0.69
NAVG's Price/Peter Lynch Fair Value is ranked lower than
57% of the 37 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.63 vs. NAVG: 0.69 )
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: 0.69
0.37
3.96
Price/Graham Number 0.94
NAVG's Price/Graham Number is ranked higher than
50% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.94 vs. NAVG: 0.94 )
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: 0.94
0.59
1.8
Earnings Yield (Greenblatt) (%) 9.83
NAVG's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. NAVG: 9.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NAVG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.2  Med: 14.00 Max: 20.4
Current: 9.83
6.2
20.4
Forward Rate of Return (Yacktman) (%) 37.59
NAVG's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 73 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.94 vs. NAVG: 37.59 )
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: 37.75 Max: 85.9
Current: 37.59
4.9
85.9

More Statistics

Revenue (TTM) (Mil) $1,087
EPS (TTM) $ 5.25
Beta0.79
Short Percentage of Float2.41%
52-Week Range $71.01 - 92.67
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
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
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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
Navigators Group Inc Earnings Call scheduled for 8:30 am ET today May 06 2016
Navigators posts 1Q profit May 05 2016
Navigators posts 1Q profit May 05 2016
Navigators Reports First Quarter 2016 Earnings May 05 2016
Q1 2016 Navigators Group Inc Earnings Release - After Market Close May 05 2016
The Navigators Group, Inc. breached its 50 day moving average in a Bearish Manner : NAVG-US : April... Apr 29 2016
The Navigators Group, Inc. breached its 50 day moving average in a Bullish Manner : NAVG-US : April... Apr 19 2016
Navigators to Release First Quarter 2016 Results on Thursday, May 5, 2016 Apr 07 2016
The Navigators Group, Inc. breached its 50 day moving average in a Bearish Manner : NAVG-US : April... Apr 06 2016
Navigators Names Casella President of International Insurance Mar 30 2016

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