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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
97% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. UNAM: No Debt )
Ranked among companies with meaningful Cash to Debt only.
UNAM' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: No Debt Max: No Debt
Current: No Debt
Equity to Asset 0.50
UNAM's Equity to Asset is ranked higher than
90% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. UNAM: 0.50 )
Ranked among companies with meaningful Equity to Asset only.
UNAM' s Equity to Asset Range Over the Past 10 Years
Min: 0.24  Med: 0.42 Max: 0.54
Current: 0.5
0.24
0.54
Interest Coverage No Debt
UNAM's Interest Coverage is ranked higher than
98% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 46.58 vs. UNAM: No Debt )
Ranked among companies with meaningful Interest Coverage only.
UNAM' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
F-Score: 3
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 (%) -4.04
UNAM's Operating margin (%) is ranked lower than
92% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. UNAM: -4.04 )
Ranked among companies with meaningful Operating margin (%) only.
UNAM' s Operating margin (%) Range Over the Past 10 Years
Min: -5.22  Med: 9.37 Max: 33.18
Current: -4.04
-5.22
33.18
Net-margin (%) -2.76
UNAM's Net-margin (%) is ranked lower than
94% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. UNAM: -2.76 )
Ranked among companies with meaningful Net-margin (%) only.
UNAM' s Net-margin (%) Range Over the Past 10 Years
Min: -3.56  Med: 6.65 Max: 21.55
Current: -2.76
-3.56
21.55
ROE (%) -1.34
UNAM's ROE (%) is ranked lower than
91% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.02 vs. UNAM: -1.34 )
Ranked among companies with meaningful ROE (%) only.
UNAM' s ROE (%) Range Over the Past 10 Years
Min: -1.66  Med: 3.54 Max: 21.59
Current: -1.34
-1.66
21.59
ROA (%) -0.68
UNAM's ROA (%) is ranked lower than
93% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. UNAM: -0.68 )
Ranked among companies with meaningful ROA (%) only.
UNAM' s ROA (%) Range Over the Past 10 Years
Min: -0.86  Med: 1.54 Max: 6.31
Current: -0.68
-0.86
6.31
Revenue Growth (3Y)(%) 0.60
UNAM's Revenue Growth (3Y)(%) is ranked lower than
77% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. UNAM: 0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNAM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.8  Med: -4.1 Max: 13.7
Current: 0.6
-8.8
13.7
» UNAM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

UNAM Guru Trades in Q3 2015

Jim Simons 13,600 sh (+6.25%)
» More
Q4 2015

UNAM Guru Trades in Q4 2015

Jim Simons 13,900 sh (+2.21%)
» More
Q1 2016

UNAM Guru Trades in Q1 2016

Jim Simons 13,900 sh (unchged)
» More
Q2 2016

UNAM Guru Trades in Q2 2016

Jim Simons 14,100 sh (+1.44%)
» More
» Details

Insider Trades

Latest Guru Trades with UNAM

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

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:CNFR, OTCPK:PTAYF, NAS:NSEC, NAS:PIH, NYSE:KFS, NAS:HALL, NAS:AFH, NAS:FNHC, OTCPK:PRBDF, NYSE:HCI, NAS:UIHC, NAS:BWINB, NYSE:HRTG, NAS:NMIH, NAS:SNC, NAS:GBLI, NAS:DGICB, NAS:EMCI, NAS:NATL, NYSE:UVE » details
Unico American Corp is an insurance holding company that underwrites property and casualty insurance; provides property, casualty, and health insurance; and provides insurance premium financing and membership association services.

Unico American Corp 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 Insurance Company, its property and casualty insurance company. Commercial multiple peril policies provides a combination of property and liability coverage for businesses. 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. The Company sells its insurance policies through Unifax Insurance Systems, Inc., Crusader's sister corporation and exclusive general agent. 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.

Ratios

vs
industry
vs
history
P/B 0.83
UNAM's P/B is ranked higher than
79% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. UNAM: 0.83 )
Ranked among companies with meaningful P/B only.
UNAM' s P/B Range Over the Past 10 Years
Min: 0.49  Med: 0.82 Max: 1.27
Current: 0.83
0.49
1.27
P/S 1.71
UNAM's P/S is ranked lower than
77% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. UNAM: 1.71 )
Ranked among companies with meaningful P/S only.
UNAM' s P/S Range Over the Past 10 Years
Min: 0.8  Med: 1.44 Max: 2.32
Current: 1.71
0.8
2.32
Shiller P/E 17.08
UNAM's Shiller P/E is ranked higher than
63% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.01 vs. UNAM: 17.08 )
Ranked among companies with meaningful Shiller P/E only.
UNAM' s Shiller P/E Range Over the Past 10 Years
Min: 10.19  Med: 15.73 Max: 22.56
Current: 17.08
10.19
22.56

Buy Back

vs
industry
vs
history
Dividend Growth (3y) -100.00
UNAM's Dividend Growth (3y) is ranked lower than
97% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. UNAM: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UNAM' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 52.9
Current: -100
0
52.9
Yield on cost (5-Year) 8.83
UNAM's Yield on cost (5-Year) is ranked higher than
75% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.67 vs. UNAM: 8.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNAM' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.52  Med: 7.39 Max: 10.13
Current: 8.83
1.52
10.13
3-Year Average Share Buyback Ratio 0.10
UNAM's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. UNAM: 0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UNAM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.9  Med: 0 Max: 4.5
Current: 0.1
-1.9
4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
UNAM's Price/Tangible Book is ranked higher than
83% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. UNAM: 0.83 )
Ranked among companies with meaningful Price/Tangible Book only.
UNAM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 0.83 Max: 2.12
Current: 0.83
0.45
2.12
Price/Projected FCF 5.74
UNAM's Price/Projected FCF is ranked lower than
99% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. UNAM: 5.74 )
Ranked among companies with meaningful Price/Projected FCF only.
UNAM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.54 Max: 5.76
Current: 5.74
0.21
5.76
Price/Median PS Value 1.19
UNAM's Price/Median PS Value is ranked lower than
71% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. UNAM: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
UNAM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 0.9 Max: 1.61
Current: 1.19
0.26
1.61
Earnings Yield (Greenblatt) (%) -2.70
UNAM's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.00 vs. UNAM: -2.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNAM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -2.7  Med: 21.7 Max: 329.5
Current: -2.7
-2.7
329.5
Forward Rate of Return (Yacktman) (%) -40.64
UNAM's Forward Rate of Return (Yacktman) (%) is ranked lower than
97% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. UNAM: -40.64 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UNAM' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -41.8  Med: -17.6 Max: 73
Current: -40.64
-41.8
73

More Statistics

Revenue (TTM) (Mil) $34.37
EPS (TTM) $ -0.18
Beta-0.47
Short Percentage of Float0.10%
52-Week Range $8.15 - 12.39
Shares Outstanding (Mil)5.31
» 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 Corp. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
UNICO AMERICAN CORP Financials Aug 20 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q2, 2016 By the Numbers : August 18, 2016 Aug 18 2016
UNICO AMERICAN CORPORATION ANNOUNCES THE APPOINTMENT OF LESTER A. AARON AS EXECUTIVE VICE PRESIDENT... Aug 15 2016
UNICO AMERICAN CORPORATION REPORTS SECOND QUARTER 2016 FINANCIAL RESULTS Aug 15 2016
UNICO AMERICAN CORP Files SEC form 10-Q, Quarterly Report Aug 12 2016
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition Aug 11 2016
Unico American Corporation Reports Second Quarter 2016 Financial Results Aug 11 2016
CFO Moves: Unico American Names New CFO; Rambus Names Interim Finance Chief Aug 05 2016
UNICO AMERICAN CORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 05 2016
Unico American Corporation Announces the Appointment of Lester A. Aaron as Executive Vice President... Aug 05 2016
UNICO AMERICAN CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 08 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q1, 2016 By the Numbers : June 6, 2016 Jun 06 2016
UNICO AMERICAN CORPORATION REPORTS FIRST QUARTER 2016 FINANCIAL RESULTS May 18 2016
UNICO AMERICAN CORP Files SEC form 10-Q, Quarterly Report May 12 2016
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition May 11 2016
Unico American Corporation Reports First Quarter 2016 Financial Results May 11 2016
UNICO AMERICAN CORPORATION ANNOUNCES REVIEW OF STRATEGIC ALTERNATIVES Apr 11 2016
UNICO AMERICAN CORPORATION REPORTS FOURTH QUARTER AND FULL YEAR 2015 FINANCIAL RESULTS Apr 11 2016
UNICO AMERICAN CORP Files SEC form 8-K, Other Events Apr 05 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 05 2016

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