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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 0.33
NSEC's Cash to Debt is ranked higher than
58% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. NSEC: 0.33 )
NSEC' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.4
Current: 0.33

0.05
0.4
Equity to Asset 0.30
NSEC's Equity to Asset is ranked higher than
77% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. NSEC: 0.30 )
NSEC' s 10-Year Equity to Asset Range
Min: 0.22   Max: 0.45
Current: 0.3

0.22
0.45
Interest Coverage 6.16
NSEC's Interest Coverage is ranked higher than
55% of the 205 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. NSEC: 6.16 )
NSEC' s 10-Year Interest Coverage Range
Min: 3.11   Max: 31.27
Current: 6.16

3.11
31.27
F-Score: 6
Z-Score: 1.24
WACC vs ROIC
3.90%
14.34%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 14.58
NSEC's Operating margin (%) is ranked higher than
80% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. NSEC: 14.58 )
NSEC' s 10-Year Operating margin (%) Range
Min: -18.59   Max: 17.43
Current: 14.58

-18.59
17.43
Net-margin (%) 11.84
NSEC's Net-margin (%) is ranked higher than
80% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. NSEC: 11.84 )
NSEC' s 10-Year Net-margin (%) Range
Min: -11.21   Max: 12.72
Current: 11.84

-11.21
12.72
ROE (%) 20.07
NSEC's ROE (%) is ranked higher than
92% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.59 vs. NSEC: 20.07 )
NSEC' s 10-Year ROE (%) Range
Min: -19.55   Max: 19.98
Current: 20.07

-19.55
19.98
ROA (%) 5.40
NSEC's ROA (%) is ranked higher than
91% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.05 vs. NSEC: 5.40 )
NSEC' s 10-Year ROA (%) Range
Min: -4.97   Max: 5.46
Current: 5.4

-4.97
5.46
ROC (Joel Greenblatt) (%) 465.63
NSEC's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 276.99 vs. NSEC: 465.63 )
NSEC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -449.76   Max: 1182.82
Current: 465.63

-449.76
1182.82
Revenue Growth (3Y)(%) 0.70
NSEC's Revenue Growth (3Y)(%) is ranked higher than
61% of the 221 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. NSEC: 0.70 )
NSEC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -4.5   Max: 22.8
Current: 0.7

-4.5
22.8
» NSEC's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 5.20
NSEC's P/E(ttm) is ranked higher than
97% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.20 vs. NSEC: 5.20 )
NSEC' s 10-Year P/E(ttm) Range
Min: 3.15   Max: 1800
Current: 5.2

3.15
1800
Forward P/E 18.66
NSEC's Forward P/E is ranked higher than
51% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.31 vs. NSEC: 18.66 )
N/A
PE(NRI) 5.20
NSEC's PE(NRI) is ranked higher than
97% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.80 vs. NSEC: 5.20 )
NSEC' s 10-Year PE(NRI) Range
Min: 3.15   Max: 600
Current: 5.2

3.15
600
P/B 0.90
NSEC's P/B is ranked higher than
88% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.45 vs. NSEC: 0.90 )
NSEC' s 10-Year P/B Range
Min: 0.36   Max: 1.37
Current: 0.9

0.36
1.37
P/S 0.63
NSEC's P/S is ranked higher than
90% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. NSEC: 0.63 )
NSEC' s 10-Year P/S Range
Min: 0.2   Max: 1.01
Current: 0.63

0.2
1.01
PFCF 3.70
NSEC's PFCF is ranked higher than
96% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 30.83 vs. NSEC: 3.70 )
NSEC' s 10-Year PFCF Range
Min: 2.22   Max: 213.89
Current: 3.7

2.22
213.89
POCF 3.35
NSEC's POCF is ranked higher than
96% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.63 vs. NSEC: 3.35 )
NSEC' s 10-Year POCF Range
Min: 2.19   Max: 1520.5
Current: 3.35

2.19
1520.5
EV-to-EBIT 5.67
NSEC's EV-to-EBIT is ranked higher than
93% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.85 vs. NSEC: 5.67 )
NSEC' s 10-Year EV-to-EBIT Range
Min: -14135.9   Max: 62.1
Current: 5.67

-14135.9
62.1
Shiller P/E 25.50
NSEC's Shiller P/E is ranked higher than
60% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.78 vs. NSEC: 25.50 )
NSEC' s 10-Year Shiller P/E Range
Min: 5.01   Max: 105.89
Current: 25.5

5.01
105.89
Days Sales Outstanding 62.14
NSEC's Days Sales Outstanding is ranked higher than
91% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 257.26 vs. NSEC: 62.14 )
NSEC' s 10-Year Days Sales Outstanding Range
Min: 2.99   Max: 140.75
Current: 62.14

2.99
140.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.81
NSEC's Dividend Yield is ranked lower than
87% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.73 vs. NSEC: 0.81 )
NSEC' s 10-Year Dividend Yield Range
Min: 0.73   Max: 17.44
Current: 0.81

0.73
17.44
Dividend Payout 0.04
NSEC's Dividend Payout is ranked higher than
98% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.61 vs. NSEC: 0.04 )
NSEC' s 10-Year Dividend Payout Range
Min: 0.04   Max: 6.77
Current: 0.04

0.04
6.77
Dividend growth (3y) -39.80
NSEC's Dividend growth (3y) is ranked higher than
57% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. NSEC: -39.80 )
NSEC' s 10-Year Dividend growth (3y) Range
Min: -45   Max: 8.1
Current: -39.8

-45
8.1
Yield on cost (5-Year) 0.11
NSEC's Yield on cost (5-Year) is ranked lower than
93% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.49 vs. NSEC: 0.11 )
NSEC' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 2.37
Current: 0.11

0.1
2.37
Share Buyback Rate -0.50
NSEC's Share Buyback Rate is ranked higher than
74% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. NSEC: -0.50 )
NSEC' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -0.5
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
NSEC's Price/Tangible Book is ranked higher than
91% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. NSEC: 0.90 )
NSEC' s 10-Year Price/Tangible Book Range
Min: 0.42   Max: 7.4
Current: 0.9

0.42
7.4
Price/DCF (Projected) 1.10
NSEC's Price/DCF (Projected) is ranked higher than
76% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. NSEC: 1.10 )
NSEC' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 76.54
Current: 1.1

0.45
76.54
Price/Median PS Value 1.30
NSEC's Price/Median PS Value is ranked higher than
66% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. NSEC: 1.30 )
NSEC' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 2.77
Current: 1.3

0.51
2.77
Price/Graham Number 0.50
NSEC's Price/Graham Number is ranked higher than
97% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NSEC: 0.50 )
NSEC' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 2.22
Current: 0.5

0.38
2.22
Earnings Yield (Greenblatt) 17.50
NSEC's Earnings Yield (Greenblatt) is ranked higher than
91% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.30 vs. NSEC: 17.50 )
NSEC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 24.8
Current: 17.5

1.6
24.8
Forward Rate of Return (Yacktman) 3.89
NSEC's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.86 vs. NSEC: 3.89 )
NSEC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24.8   Max: 31.3
Current: 3.89

-24.8
31.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
National Security Group Inc was incorporated in Delaware on March 20, 1990. It is an insurance holding company offers property, casualty and life insurance products and services in the United States. The Company, through its three wholly owned subsidiaries, operates in two industry segments; property & casualty insurance and life insurance. The Property & casualty insurance segment writes personal lines coverage including dwelling fire and windstorm, homeowners, mobile homeowners, and personal non-standard automobile lines of insurance. This segment is conducted through National Security Fire & Casualty Company (NSFC), and Omega One Insurance Company (Omega). NSFC is licensed to write insurance in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, Oklahoma, South Carolina, Tennessee and West Virginia, and operates on a surplus lines basis in the states of Louisiana, Missouri, and Texas. Omega is licensed to write insurance in Alabama and Louisiana. The property-casualty insurance business involves the transfer of all or a portion of certain risks for the payment and a premium by the insured to an insurance company. The Company's life insurance subsidiary, National Security Insurance Company (NSIC), offers a basic line of life and health and accident insurance products in six states; Alabama, Florida, Georgia, Mississippi, South Carolina, and Texas. The products of the National Security Insurance Company are marketed through a field force of agents and service representatives who are employees of the Life insurance segment and through a network of independent agents. It competes with many insurance companies of greater financial resources, including stock and mutual insurance companies. The Company's insurance subsidiaries are directly regulated by the insurance department in the state of domicile, Alabama.
» More Articles for NSEC

Headlines

Articles On GuruFocus.com
National Security Group Inc. Reports Operating Results (10-Q) Nov 12 2010 
National Security Group Inc. Reports Operating Results (10-Q) Aug 13 2010 
National Security Group Inc. Reports Operating Results (10-Q) May 14 2010 
Weekly CFO Buys Highlight: Bank of South Carolina Corp., Communications Systems Inc, American Physic Apr 18 2010 
National Security Group Inc. Reports Operating Results (10-Q) Nov 13 2009 
Conseco Announces Plan to Consolidate Insurance Subsidiaries to Build Capital Aug 31 2009 
National Security Group Inc. Reports Operating Results (10-Q) Aug 14 2009 
Conseco Announces Second Quarter 2009 Results; Reports Second Consecutive Profitable Quarter Aug 04 2009 
National Security Group Inc. Reports Operating Results (10-Q) May 15 2009 
40 86 Strategic Income Fund Declares Dividend Dec 16 2008 

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