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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 : 7/10

vs
industry
vs
history
Cash to Debt No Debt
UNAM's Cash to Debt is ranked higher than
97% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. UNAM: No Debt )
Ranked among companies with meaningful Cash to Debt only.
UNAM' s 10-Year Cash to Debt Range
Min: 0.03  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.53
UNAM's Equity to Asset is ranked higher than
93% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UNAM: 0.53 )
Ranked among companies with meaningful Equity to Asset only.
UNAM' s 10-Year Equity to Asset Range
Min: 0.24  Med: 0.40 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 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. UNAM: No Debt )
Ranked among companies with meaningful Interest Coverage only.
UNAM' s 10-Year Interest Coverage Range
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 5
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 (%) -0.65
UNAM's Operating margin (%) is ranked lower than
90% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. UNAM: -0.65 )
Ranked among companies with meaningful Operating margin (%) only.
UNAM' s 10-Year Operating margin (%) Range
Min: -39.71  Med: 14.01 Max: 33.18
Current: -0.65
-39.71
33.18
Net-margin (%) -0.46
UNAM's Net-margin (%) is ranked lower than
89% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. UNAM: -0.46 )
Ranked among companies with meaningful Net-margin (%) only.
UNAM' s 10-Year Net-margin (%) Range
Min: -25.81  Med: 9.18 Max: 21.55
Current: -0.46
-25.81
21.55
ROE (%) -0.20
UNAM's ROE (%) is ranked lower than
90% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. UNAM: -0.20 )
Ranked among companies with meaningful ROE (%) only.
UNAM' s 10-Year ROE (%) Range
Min: -23.62  Med: 4.46 Max: 21.59
Current: -0.2
-23.62
21.59
ROA (%) -0.11
UNAM's ROA (%) is ranked lower than
89% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. UNAM: -0.11 )
Ranked among companies with meaningful ROA (%) only.
UNAM' s 10-Year ROA (%) Range
Min: -8.6  Med: 2.04 Max: 7.42
Current: -0.11
-8.6
7.42
ROC (Joel Greenblatt) (%) -1.94
UNAM's ROC (Joel Greenblatt) (%) is ranked lower than
87% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. UNAM: -1.94 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UNAM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -8778.48  Med: 1034.13 Max: 10773.53
Current: -1.94
-8778.48
10773.53
Revenue Growth (3Y)(%) -4.00
UNAM's Revenue Growth (3Y)(%) is ranked lower than
84% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. UNAM: -4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNAM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.8  Med: -4.80 Max: 13.7
Current: -4
-8.8
13.7
EBITDA Growth (3Y)(%) -32.00
UNAM's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. UNAM: -32.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNAM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -71.5  Med: -10.10 Max: 115.4
Current: -32
-71.5
115.4
EPS Growth (3Y)(%) -38.90
UNAM's EPS Growth (3Y)(%) is ranked lower than
97% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. UNAM: -38.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNAM' s 10-Year EPS Growth (3Y)(%) Range
Min: -61.2  Med: -10.55 Max: 122.4
Current: -38.9
-61.2
122.4
» UNAM's 10-Y Financials

Financials


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

» Details

Guru Trades

UNAM Guru Trades in

UNAM Guru Trades in

Q4 2014

UNAM Guru Trades in Q4 2014

Jim Simons 10,400 sh (New)
» More
Q1 2015

UNAM Guru Trades in Q1 2015

Jim Simons 11,700 sh (+12.50%)
» 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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Ratios

vs
industry
vs
history
Forward P/E 18.32
UNAM's Forward P/E is ranked lower than
83% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.51 vs. UNAM: 18.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.69
UNAM's P/B is ranked higher than
90% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. UNAM: 0.69 )
Ranked among companies with meaningful P/B only.
UNAM' s 10-Year P/B Range
Min: 0.49  Med: 0.87 Max: 1.28
Current: 0.69
0.49
1.28
P/S 1.61
UNAM's P/S is ranked lower than
68% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. UNAM: 1.61 )
Ranked among companies with meaningful P/S only.
UNAM' s 10-Year P/S Range
Min: 0.57  Med: 1.30 Max: 2.32
Current: 1.61
0.57
2.32
PFCF 116.51
UNAM's PFCF is ranked lower than
98% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.65 vs. UNAM: 116.51 )
Ranked among companies with meaningful PFCF only.
UNAM' s 10-Year PFCF Range
Min: 2.29  Med: 12.00 Max: 249.8
Current: 116.51
2.29
249.8
POCF 38.82
UNAM's POCF is ranked lower than
95% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.41 vs. UNAM: 38.82 )
Ranked among companies with meaningful POCF only.
UNAM' s 10-Year POCF Range
Min: 2.28  Med: 10.12 Max: 119.64
Current: 38.82
2.28
119.64
EV-to-EBIT 62.15
UNAM's EV-to-EBIT is ranked lower than
97% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.78 vs. UNAM: 62.15 )
Ranked among companies with meaningful EV-to-EBIT only.
UNAM' s 10-Year EV-to-EBIT Range
Min: -48.7  Med: 4.50 Max: 52.8
Current: 62.15
-48.7
52.8
Shiller P/E 24.64
UNAM's Shiller P/E is ranked lower than
78% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.44 vs. UNAM: 24.64 )
Ranked among companies with meaningful Shiller P/E only.
UNAM' s 10-Year Shiller P/E Range
Min: 5.68  Med: 11.19 Max: 396.33
Current: 24.64
5.68
396.33
Days Sales Outstanding 65.14
UNAM's Days Sales Outstanding is ranked higher than
62% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 83.83 vs. UNAM: 65.14 )
Ranked among companies with meaningful Days Sales Outstanding only.
UNAM' s 10-Year Days Sales Outstanding Range
Min: 36.53  Med: 59.18 Max: 256.62
Current: 65.14
36.53
256.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 9.76
UNAM's Dividend Yield is ranked higher than
94% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.00 vs. UNAM: 9.76 )
Ranked among companies with meaningful Dividend Yield only.
UNAM' s 10-Year Dividend Yield Range
Min: 1.52  Med: 7.39 Max: 10.13
Current: 9.76
1.52
10.13
Yield on cost (5-Year) 9.76
UNAM's Yield on cost (5-Year) is ranked higher than
85% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.58 vs. UNAM: 9.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNAM' s 10-Year Yield on cost (5-Year) Range
Min: 1.52  Med: 7.39 Max: 10.13
Current: 9.76
1.52
10.13
Share Buyback Rate 0.10
UNAM's Share Buyback Rate is ranked higher than
64% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. UNAM: 0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
UNAM' s 10-Year Share Buyback Rate Range
Min: 5  Med: 0.35 Max: -1.1
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
UNAM's Price/Tangible Book is ranked higher than
92% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. UNAM: 0.70 )
Ranked among companies with meaningful Price/Tangible Book only.
UNAM' s 10-Year Price/Tangible Book Range
Min: 0.45  Med: 0.85 Max: 2.12
Current: 0.7
0.45
2.12
Price/Projected FCF 2.22
UNAM's Price/Projected FCF is ranked lower than
96% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. UNAM: 2.22 )
Ranked among companies with meaningful Price/Projected FCF only.
UNAM' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 0.53 Max: 3.58
Current: 2.22
0.21
3.58
Price/Median PS Value 1.24
UNAM's Price/Median PS Value is ranked lower than
75% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UNAM: 1.24 )
Ranked among companies with meaningful Price/Median PS Value only.
UNAM' s 10-Year Price/Median PS Value Range
Min: 0.28  Med: 0.89 Max: 1.79
Current: 1.24
0.28
1.79
Earnings Yield (Greenblatt) (%) 1.61
UNAM's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. UNAM: 1.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNAM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.61  Med: 20.20 Max: 329.5
Current: 1.61
1.61
329.5
Forward Rate of Return (Yacktman) (%) -33.00
UNAM's Forward Rate of Return (Yacktman) (%) is ranked lower than
96% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.68 vs. UNAM: -33.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UNAM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -33  Med: -6.80 Max: 73.2
Current: -33
-33
73.2

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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.
» 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 

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UNICO AMERICAN CORP Financials May 27 2015
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Unico American Corporation Reports First Quarter 2015 Financial Results May 14 2015
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UNICO AMERICAN CORP Files SEC form 10-K, Annual Report Mar 31 2015
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