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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
UNAM's Cash to Debt is ranked higher than
89% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. UNAM: No Debt )
UNAM' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: No Debt

Equity to Asset 0.53
UNAM's Equity to Asset is ranked higher than
97% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UNAM: 0.53 )
UNAM' s 10-Year Equity to Asset Range
Min: 0.24   Max: 0.54
Current: 0.53

0.24
0.54
Interest Coverage No Debt
UNAM's Interest Coverage is ranked higher than
96% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.94 vs. UNAM: No Debt )
UNAM' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 3
Z-Score: 1.60
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 : 4/10

vs
industry
vs
history
Operating margin (%) 6.91
UNAM's Operating margin (%) is ranked higher than
63% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. UNAM: 6.91 )
UNAM' s 10-Year Operating margin (%) Range
Min: -39.71   Max: 33.18
Current: 6.91

-39.71
33.18
Net-margin (%) 3.96
UNAM's Net-margin (%) is ranked higher than
60% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.48 vs. UNAM: 3.96 )
UNAM' s 10-Year Net-margin (%) Range
Min: -25.81   Max: 21.55
Current: 3.96

-25.81
21.55
ROE (%) 1.70
UNAM's ROE (%) is ranked higher than
54% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.28 vs. UNAM: 1.70 )
UNAM' s 10-Year ROE (%) Range
Min: -23.62   Max: 21.59
Current: 1.7

-23.62
21.59
ROA (%) 0.90
UNAM's ROA (%) is ranked higher than
58% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. UNAM: 0.90 )
UNAM' s 10-Year ROA (%) Range
Min: -8.6   Max: 7.42
Current: 0.9

-8.6
7.42
ROC (Joel Greenblatt) (%) 25.07
UNAM's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 275.38 vs. UNAM: 25.07 )
UNAM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -8778.48   Max: 6237.16
Current: 25.07

-8778.48
6237.16
Revenue Growth (%) -5.60
UNAM's Revenue Growth (%) is ranked higher than
55% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. UNAM: -5.60 )
UNAM' s 10-Year Revenue Growth (%) Range
Min: -8.8   Max: 13.7
Current: -5.6

-8.8
13.7
EBITDA Growth (%) -22.80
UNAM's EBITDA Growth (%) is ranked higher than
54% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UNAM: -22.80 )
UNAM' s 10-Year EBITDA Growth (%) Range
Min: -71.5   Max: 148.7
Current: -22.8

-71.5
148.7
EPS Growth (%) -37.00
UNAM's EPS Growth (%) is ranked higher than
54% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UNAM: -37.00 )
UNAM' s 10-Year EPS Growth (%) Range
Min: -61.2   Max: 122.4
Current: -37

-61.2
122.4
» UNAM's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 54.10
UNAM's P/E(ttm) is ranked higher than
54% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.00 vs. UNAM: 54.10 )
UNAM' s 10-Year P/E(ttm) Range
Min: 5.37   Max: 152.41
Current: 54.1

5.37
152.41
P/B 0.90
UNAM's P/B is ranked higher than
88% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.24 vs. UNAM: 0.90 )
UNAM' s 10-Year P/B Range
Min: 0.49   Max: 1.28
Current: 0.9

0.49
1.28
P/S 2.12
UNAM's P/S is ranked higher than
58% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.21 vs. UNAM: 2.12 )
UNAM' s 10-Year P/S Range
Min: 0.53   Max: 2.32
Current: 2.12

0.53
2.32
EV-to-EBIT -14.76
UNAM's EV-to-EBIT is ranked higher than
52% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. UNAM: -14.76 )
UNAM' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 15.4
Current: -14.76

0.3
15.4
Shiller P/E 21.95
UNAM's Shiller P/E is ranked higher than
72% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. UNAM: 21.95 )
UNAM' s 10-Year Shiller P/E Range
Min: 5.68   Max: 700
Current: 21.95

5.68
700

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.70
UNAM's Dividend Yield is ranked higher than
96% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.51 vs. UNAM: 7.70 )
UNAM' s 10-Year Dividend Yield Range
Min: 1.69   Max: 10.13
Current: 7.7

1.69
10.13
Yield on cost (5-Year) 7.70
UNAM's Yield on cost (5-Year) is ranked higher than
87% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 vs. UNAM: 7.70 )
UNAM' s 10-Year Yield on cost (5-Year) Range
Min: 1.69   Max: 10.13
Current: 7.7

1.69
10.13

Valuation & Return

vs
industry
vs
history
Price/Net Cash 1.99
UNAM's Price/Net Cash is ranked higher than
99% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UNAM: 1.99 )
UNAM' s 10-Year Price/Net Cash Range
Min: 2.06   Max: 9.52
Current: 1.99

2.06
9.52
Price/Net Current Asset Value 1.75
UNAM's Price/Net Current Asset Value is ranked higher than
99% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UNAM: 1.75 )
UNAM' s 10-Year Price/Net Current Asset Value Range
Min: 1.81   Max: 5.64
Current: 1.75

1.81
5.64
Price/Tangible Book 0.90
UNAM's Price/Tangible Book is ranked higher than
92% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.47 vs. UNAM: 0.90 )
UNAM' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.12
Current: 0.9

0.45
2.12
Price/DCF (Projected) 3.32
UNAM's Price/DCF (Projected) is ranked higher than
60% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.69 vs. UNAM: 3.32 )
UNAM' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 6.01
Current: 3.32

0.16
6.01
Price/Median PS Value 1.67
UNAM's Price/Median PS Value is ranked higher than
54% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UNAM: 1.67 )
UNAM' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 1.83
Current: 1.67

0.29
1.83
Price/Graham Number 1.46
UNAM's Price/Graham Number is ranked higher than
60% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UNAM: 1.46 )
UNAM' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 2.52
Current: 1.46

0.44
2.52
Earnings Yield (Greenblatt) 3.50
UNAM's Earnings Yield (Greenblatt) is ranked higher than
51% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. UNAM: 3.50 )
UNAM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.5   Max: 329.5
Current: 3.5

6.5
329.5
Forward Rate of Return (Yacktman) -21.28
UNAM's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. UNAM: -21.28 )
UNAM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.6   Max: 78.1
Current: -21.28

-27.6
78.1

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Unico American Corporation is an insurance holding Company. It was incorporated under the laws of Nevada in 1969. The Company is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. The insurance Company operation is conducted through Crusader which is a multiple line property and casualty insurance Company. Approximately 98% of Crusader's business was commercial multiple peril policies. Commercial property coverage insures against loss or damage to buildings, inventory and equipment from natural disasters, including hurricanes, windstorms, hail, water, explosions, severe winter weather, and other events such as theft and vandalism, fires, storms, and financial loss due to business interruption resulting from covered property damage. However, Crusader does not write earthquake coverage. Commercial liability coverage insure against third party liability from accidents occurring on the insured's premises or arising out of its operation. In addition to commercial multiple peril policies, Crusader also writes separate policies to insure commercial property and commercial liability risks on a mono-line basis. Crusader competitors are other insurance companies as well as other general agencies. The insurance company operation is subject to regulation by the California Department of Insurance and by the department of insurance of other states in which Crusader is licensed.
» More Articles for UNAM

Headlines

Articles On GuruFocus.com
Unico American Corporation: A Company I Would Love to Own Outright Feb 04 2013 
Unico American Corp. Reports Operating Results (10-Q) Nov 15 2010 
Unico American Corp. Reports Operating Results (10-Q) Aug 13 2010 
Unico American Corp. Reports Operating Results (10-Q) May 14 2010 
Unico American Corp. Reports Operating Results (10-Q) Nov 10 2009 
Unico American Corp. Reports Operating Results (10-Q) Aug 13 2009 
Unico American Corporation Reports Second Quarter 2009 Financial Results Aug 11 2009 
Unico American Corp. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
UNICO AMERICAN CORP Files SEC form 8-K, Change in Directors or Principal Officers Sep 29 2014
Unico American Corporation Reports Departure of Officer Sep 29 2014
UNICO AMERICAN CORP Financials Aug 22 2014
Ranking P&C Reserving Conservatism Aug 20 2014
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition Aug 13 2014
Unico American Corporation Reports Second Quarter 2014 Financial Results Aug 12 2014
UNICO AMERICAN CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014
UNICO AMERICAN CORP Files SEC form 10-Q, Quarterly Report May 15 2014
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition May 13 2014
Unico American Corporation Reports First Quarter 2014 Financial Results May 13 2014
UNICO AMERICAN CORPORATION REPORTS FOURTH QUARTER AND FULL YEAR 2013 FINANCIAL RESULTS Mar 28 2014
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition Mar 28 2014
Unico American Corporation Reports Fourth Quarter and Full Year 2013 Financial Results Mar 27 2014
UNICO AMERICAN CORPORATION REPORTS THIRD QUARTER 2013 FINANCIAL RESULTS Nov 23 2013
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition Nov 12 2013
Unico American Corporation Reports Third Quarter 2013 Financial Results Nov 11 2013
A.M. Best Affirms Ratings of Crusader Insurance Company and Unico American Corporation Oct 22 2013

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