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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
NAS:UNAM's Cash-to-Debt is ranked higher than
98% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.10 vs. NAS:UNAM: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
NAS: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 0.49
NAS:UNAM's Equity-to-Asset is ranked higher than
91% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:UNAM: 0.49 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:UNAM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.24  Med: 0.42 Max: 0.54
Current: 0.49
0.24
0.54
Interest Coverage No Debt
NAS:UNAM's Interest Coverage is ranked higher than
98% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. NAS:UNAM: No Debt )
Ranked among companies with meaningful Interest Coverage only.
NAS:UNAM' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
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 : 3/10

vs
industry
vs
history
Operating Margin % -9.70
NAS:UNAM's Operating Margin % is ranked lower than
95% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. NAS:UNAM: -9.70 )
Ranked among companies with meaningful Operating Margin % only.
NAS:UNAM' s Operating Margin % Range Over the Past 10 Years
Min: -9.7  Med: 9.37 Max: 33.18
Current: -9.7
-9.7
33.18
Net Margin % -6.44
NAS:UNAM's Net Margin % is ranked lower than
95% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NAS:UNAM: -6.44 )
Ranked among companies with meaningful Net Margin % only.
NAS:UNAM' s Net Margin % Range Over the Past 10 Years
Min: -6.44  Med: 6.65 Max: 21.55
Current: -6.44
-6.44
21.55
ROE % -3.22
NAS:UNAM's ROE % is ranked lower than
91% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.32 vs. NAS:UNAM: -3.22 )
Ranked among companies with meaningful ROE % only.
NAS:UNAM' s ROE % Range Over the Past 10 Years
Min: -3.22  Med: 3.54 Max: 21.59
Current: -3.22
-3.22
21.59
ROA % -1.60
NAS:UNAM's ROA % is ranked lower than
95% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. NAS:UNAM: -1.60 )
Ranked among companies with meaningful ROA % only.
NAS:UNAM' s ROA % Range Over the Past 10 Years
Min: -1.6  Med: 1.54 Max: 6.31
Current: -1.6
-1.6
6.31
3-Year Revenue Growth Rate 0.60
NAS:UNAM's 3-Year Revenue Growth Rate is ranked lower than
75% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAS:UNAM: 0.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:UNAM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.8  Med: -4.1 Max: 13.7
Current: 0.6
-8.8
13.7
GuruFocus has detected 1 Warning Sign with Unico American Corp $NAS:UNAM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:UNAM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q3 2016

UNAM Guru Trades in Q3 2016

Jim Simons 14,100 sh (unchged)
» More
Q4 2016

UNAM Guru Trades in Q4 2016

Jim Simons 14,100 sh (unchged)
» 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    NAICS: 524126    SIC: 6331
Compare:NAS:BWINB, NYSE:AXS » 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
PB Ratio 0.75
UNAM's PB Ratio is ranked higher than
89% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. UNAM: 0.75 )
Ranked among companies with meaningful PB Ratio only.
UNAM' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.81 Max: 1.27
Current: 0.75
0.49
1.27
PS Ratio 1.46
UNAM's PS Ratio is ranked lower than
69% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UNAM: 1.46 )
Ranked among companies with meaningful PS Ratio only.
UNAM' s PS Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.52 Max: 2.32
Current: 1.46
0.83
2.32
Shiller PE Ratio 16.92
UNAM's Shiller PE Ratio is ranked higher than
66% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. UNAM: 16.92 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNAM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.19  Med: 15.88 Max: 22.93
Current: 16.92
10.19
22.93

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
UNAM's 3-Year Dividend Growth Rate is ranked lower than
96% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. UNAM: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UNAM' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 52.9
Current: -100
0
52.9
5-Year Yield-on-Cost % 8.83
UNAM's 5-Year Yield-on-Cost % is ranked higher than
74% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.24 vs. UNAM: 8.83 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNAM' s 5-Year Yield-on-Cost % 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
60% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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-to-Tangible-Book 0.74
UNAM's Price-to-Tangible-Book is ranked higher than
90% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.67 vs. UNAM: 0.74 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNAM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.45  Med: 0.82 Max: 2.12
Current: 0.74
0.45
2.12
Price-to-Intrinsic-Value-Projected-FCF 15.66
UNAM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UNAM: 15.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNAM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 67.86
Current: 15.66
0.2
67.86
Price-to-Median-PS-Value 0.96
UNAM's Price-to-Median-PS-Value is ranked higher than
58% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. UNAM: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNAM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 0.86 Max: 1.53
Current: 0.96
0.24
1.53
Earnings Yield (Greenblatt) % -8.19
UNAM's Earnings Yield (Greenblatt) % is ranked lower than
95% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.28 vs. UNAM: -8.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNAM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -8.36  Med: 21.5 Max: 329.5
Current: -8.19
-8.36
329.5
Forward Rate of Return (Yacktman) % -43.11
UNAM's Forward Rate of Return (Yacktman) % is ranked lower than
99% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.01 vs. UNAM: -43.11 )
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: -43.8  Med: -20.7 Max: 73
Current: -43.11
-43.8
73

More Statistics

Revenue (TTM) (Mil) $34.92
EPS (TTM) $ -0.43
Beta-0.70
Short Percentage of Float0.22%
52-Week Range $8.64 - 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 Nov 17 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q3, 2016 By the Numbers : November 10, 2016 Nov 10 2016
UNICO AMERICAN CORP Files SEC form 8-K, Results of Operations and Financial Condition Nov 09 2016
Unico American Corporation Reports Third Quarter 2016 Financial Results Nov 08 2016
A.M. Best Affirms Credit Ratings of Crusader Insurance Company and Unico American Corporation Oct 28 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
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

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