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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.69
TWGP's Cash to Debt is ranked lower than
73% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. TWGP: 0.69 )
Ranked among companies with meaningful Cash to Debt only.
TWGP' s 10-Year Cash to Debt Range
Min: 0.16  Med: 0.70 Max: No Debt
Current: 0.69
F-Score: 1
Z-Score: -0.48
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 (%) -34.10
TWGP's Operating margin (%) is ranked lower than
97% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. TWGP: -34.10 )
Ranked among companies with meaningful Operating margin (%) only.
TWGP' s 10-Year Operating margin (%) Range
Min: -32.59  Med: 14.88 Max: 18.49
Current: -34.1
-32.59
18.49
Net-margin (%) -49.09
TWGP's Net-margin (%) is ranked lower than
98% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. TWGP: -49.09 )
Ranked among companies with meaningful Net-margin (%) only.
TWGP' s 10-Year Net-margin (%) Range
Min: -54.11  Med: 8.41 Max: 12.28
Current: -49.09
-54.11
12.28
ROE (%) -299.34
TWGP's ROE (%) is ranked lower than
99% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. TWGP: -299.34 )
Ranked among companies with meaningful ROE (%) only.
TWGP' s 10-Year ROE (%) Range
Min: -180.3  Med: 13.67 Max: 90.83
Current: -299.34
-180.3
90.83
ROA (%) -12.68
TWGP's ROA (%) is ranked lower than
98% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. TWGP: -12.68 )
Ranked among companies with meaningful ROA (%) only.
TWGP' s 10-Year ROA (%) Range
Min: -21.75  Med: 2.79 Max: 4.56
Current: -12.68
-21.75
4.56
Revenue Growth (3Y)(%) 2.30
TWGP's Revenue Growth (3Y)(%) is ranked lower than
73% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. TWGP: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TWGP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 18.60 Max: 23.8
Current: 2.3
0
23.8
» TWGP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

TWGP Guru Trades in Q4 2013

Chuck Royce 749,500 sh (+431.40%)
Jim Simons 920,056 sh (+60.33%)
Paul Tudor Jones 154,985 sh (+16.09%)
Steven Cohen Sold Out
Louis Moore Bacon Sold Out
» More
Q1 2014

TWGP Guru Trades in Q1 2014

Chuck Royce Sold Out
Jim Simons 314,322 sh (-65.84%)
Paul Tudor Jones 14,073 sh (-90.92%)
» More
Q2 2014

TWGP Guru Trades in Q2 2014

George Soros 86,000 sh (New)
Jim Simons 378,356 sh (+20.37%)
Paul Tudor Jones 14,073 sh (unchged)
» More
Q3 2014

TWGP Guru Trades in Q3 2014

Jim Simons Sold Out
Paul Tudor Jones Sold Out
George Soros Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with TWGP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
Forward P/E 2.12
TWGP's Forward P/E is ranked higher than
99% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. TWGP: 2.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/S 0.12
TWGP's P/S is ranked higher than
97% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. TWGP: 0.12 )
Ranked among companies with meaningful P/S only.
TWGP' s 10-Year P/S Range
Min: 0.08  Med: 0.90 Max: 2.53
Current: 0.12
0.08
2.53
Days Sales Outstanding 87.94
TWGP's Days Sales Outstanding is ranked higher than
50% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. TWGP: 87.94 )
Ranked among companies with meaningful Days Sales Outstanding only.
TWGP' s 10-Year Days Sales Outstanding Range
Min: 64.85  Med: 104.34 Max: 320.75
Current: 87.94
64.85
320.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.40
TWGP's Dividend Yield is ranked higher than
85% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. TWGP: 7.40 )
Ranked among companies with meaningful Dividend Yield only.
TWGP' s 10-Year Dividend Yield Range
Min: 0.2  Med: 1.00 Max: 20.72
Current: 7.4
0.2
20.72
Dividend growth (3y) 9.90
TWGP's Dividend growth (3y) is ranked higher than
56% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. TWGP: 9.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
TWGP' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 14.50 Max: 81.7
Current: 9.9
0
81.7
Yield on cost (5-Year) 20.41
TWGP's Yield on cost (5-Year) is ranked higher than
93% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.32 vs. TWGP: 20.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TWGP' s 10-Year Yield on cost (5-Year) Range
Min: 0.55  Med: 2.76 Max: 57.16
Current: 20.41
0.55
57.16
Share Buyback Rate -3.60
TWGP's Share Buyback Rate is ranked lower than
70% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. TWGP: -3.60 )
Ranked among companies with meaningful Share Buyback Rate only.
TWGP' s 10-Year Share Buyback Rate Range
Min: 0  Med: -24.50 Max: -64.8
Current: -3.6

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) -169.50
TWGP's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. TWGP: -169.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TWGP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -169.5  Med: 9.60 Max: 20.2
Current: -169.5
-169.5
20.2
Forward Rate of Return (Yacktman) (%) 89.29
TWGP's Forward Rate of Return (Yacktman) (%) is ranked higher than
90% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. TWGP: 89.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TWGP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -12.2  Med: 21.90 Max: 69.4
Current: 89.29
-12.2
69.4

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Tower Group International Ltd offers property and casualty insurance products and insurance services and products. The Company presents its business results through three business segments: Commercial Insurance, Personal Insurance and Insurance Services. The Company's Commercial Insurance segment offers property and casualty insurance products through several business units that serve customers in general commercial and specialty markets. The Personal Insurance segment offers a broad range of products designed to fit the insurance needs of most personal lines customers. Its products are distributed through a network of approximately 500 retail agents. In its Insurance Services segment, it generates fees from performing various aspects of insurance company functions for other insurance companies, including underwriting, claims administration, operational and technology services. It provides these services through its managing general agencies and management companies. The Company competes with major U.S. insurers and certain underwriting syndicates, including large national companies such as Travelers Companies, Inc., Allstate Insurance Company, GEICO, Progressive Corporation and State Farm Insurance; regional insurers such as Selective Insurance Company, Harleysville Insurance Company, Hanover Insurance and Peerless Insurance Company and smaller, more local competitors such as Greater New York Mutual, Magna Carta Companies, MMG Insurance Company, Quincy Mutual Fire Insurance Company and Utica First Insurance Company. The Company's insurance subsidiaries are subject to extensive governmental regulation and supervision in the U.S., and its reinsurance subsidiary, CastlePoint Reinsurance Company, Ltd. is subject to governmental regulation in Bermuda.
» More Articles for TWGP

Headlines

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Righting the ship Mar 18 2012 
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Notable Dividend Hikes: RBCAA, TWGP, NHC, PL, MCGC May 09 2011 
Tower Group Inc. Reports Operating Results (10-K) Mar 01 2011 

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