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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 higher than
63% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.66 vs. TWGP: 0.69 )
TWGP' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.69

F-Score: 1
Z-Score: -0.54
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 : 6/10

vs
industry
vs
history
Operating margin (%) -32.59
TWGP's Operating margin (%) is ranked lower than
51% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. TWGP: -32.59 )
TWGP' s 10-Year Operating margin (%) Range
Min: -32.59   Max: 18.49
Current: -32.59

-32.59
18.49
Net-margin (%) -54.11
TWGP's Net-margin (%) is ranked lower than
51% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. TWGP: -54.11 )
TWGP' s 10-Year Net-margin (%) Range
Min: -54.11   Max: 12.28
Current: -54.11

-54.11
12.28
ROE (%) -986.51
TWGP's ROE (%) is ranked lower than
52% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. TWGP: -986.51 )
TWGP' s 10-Year ROE (%) Range
Min: -986.51   Max: 62.13
Current: -986.51

-986.51
62.13
ROA (%) -23.83
TWGP's ROA (%) is ranked lower than
52% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. TWGP: -23.83 )
TWGP' s 10-Year ROA (%) Range
Min: -23.83   Max: 3.85
Current: -23.83

-23.83
3.85
Revenue Growth (%) 2.30
TWGP's Revenue Growth (%) is ranked higher than
61% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. TWGP: 2.30 )
TWGP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 26
Current: 2.3

0
26
» TWGP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

TWGP Guru Trades in Q3 2013

Jim Simons 573,856 sh (New)
Louis Moore Bacon 100,000 sh (New)
Paul Tudor Jones 133,500 sh (New)
Steven Cohen 65,986 sh (+318.77%)
Columbia Wanger Sold Out
Chuck Royce 141,042 sh (-78%)
» More
Q4 2013

TWGP Guru Trades in Q4 2013

Chuck Royce 749,500 sh (+431.4%)
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2014-06-30 New Buy$1.7 - $2.68 $ 2.01-12%86000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/S 0.10
TWGP's P/S is ranked higher than
99% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. TWGP: 0.10 )
TWGP' s 10-Year P/S Range
Min: 0.08   Max: 2.53
Current: 0.1

0.08
2.53
EV-to-EBIT -0.11
TWGP's EV-to-EBIT is ranked higher than
53% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.44 vs. TWGP: -0.11 )
TWGP' s 10-Year EV-to-EBIT Range
Min: 5   Max: 24.4
Current: -0.11

5
24.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 8.21
TWGP's Dividend Yield is ranked higher than
96% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.40 vs. TWGP: 8.21 )
TWGP' s 10-Year Dividend Yield Range
Min: 0.2   Max: 19.61
Current: 8.21

0.2
19.61
Dividend growth (3y) 9.90
TWGP's Dividend growth (3y) is ranked higher than
81% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. TWGP: 9.90 )
TWGP' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 81.7
Current: 9.9

0
81.7
Yield on cost (5-Year) 22.62
TWGP's Yield on cost (5-Year) is ranked higher than
98% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.03 vs. TWGP: 22.62 )
TWGP' s 10-Year Yield on cost (5-Year) Range
Min: 0.55   Max: 54.1
Current: 22.62

0.55
54.1
Share Buyback Rate -3.60
TWGP's Share Buyback Rate is ranked higher than
59% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. TWGP: -3.60 )
TWGP' s 10-Year Share Buyback Rate Range
Min: 0   Max: -64.8
Current: -3.6

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 0.12
TWGP's Price/Median PS Value is ranked higher than
100% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. TWGP: 0.12 )
TWGP' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 2.68
Current: 0.12

0.12
2.68
Earnings Yield (Greenblatt) 14.10
TWGP's Earnings Yield (Greenblatt) is ranked higher than
79% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. TWGP: 14.10 )
TWGP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 20.2
Current: 14.1

4.1
20.2
Forward Rate of Return (Yacktman) 74.63
TWGP's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. TWGP: 74.63 )
TWGP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.3   Max: 46.9
Current: 74.63

3.3
46.9

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.

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