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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 3.16
ANAT's Cash-to-Debt is ranked lower than
52% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. ANAT: 3.16 )
Ranked among companies with meaningful Cash-to-Debt only.
ANAT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26  Med: 1.32 Max: 3.16
Current: 3.16
0.26
3.16
Equity-to-Asset 0.19
ANAT's Equity-to-Asset is ranked lower than
79% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. ANAT: 0.19 )
Ranked among companies with meaningful Equity-to-Asset only.
ANAT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.23 Max: 0.36
Current: 0.19
0.16
0.36
Debt-to-Equity 0.03
ANAT's Debt-to-Equity is ranked higher than
96% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. ANAT: 0.03 )
Ranked among companies with meaningful Debt-to-Equity only.
ANAT' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02  Med: 0.03 Max: 0.04
Current: 0.03
0.02
0.04
Interest Coverage N/A
ANAT's Interest Coverage is ranked higher than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.75 vs. ANAT: N/A )
Ranked among companies with meaningful Interest Coverage only.
ANAT' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: N/A
Beneish M-Score: -2.44
WACC vs ROIC
8.17%
2.86%
WACC
ROIC
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 % 6.47
ANAT's Operating Margin % is ranked lower than
61% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. ANAT: 6.47 )
Ranked among companies with meaningful Operating Margin % only.
ANAT' s Operating Margin % Range Over the Past 10 Years
Min: -11.9  Med: 8.61 Max: 11.62
Current: 6.47
-11.9
11.62
Net Margin % 5.95
ANAT's Net Margin % is ranked lower than
57% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.62 vs. ANAT: 5.95 )
Ranked among companies with meaningful Net Margin % only.
ANAT' s Net Margin % Range Over the Past 10 Years
Min: -6.11  Med: 6.36 Max: 8.54
Current: 5.95
-6.11
8.54
ROE % 4.15
ANAT's ROE % is ranked lower than
76% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. ANAT: 4.15 )
Ranked among companies with meaningful ROE % only.
ANAT' s ROE % Range Over the Past 10 Years
Min: -4.48  Med: 5.19 Max: 6.65
Current: 4.15
-4.48
6.65
ROA % 0.79
ANAT's ROA % is ranked lower than
82% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. ANAT: 0.79 )
Ranked among companies with meaningful ROA % only.
ANAT' s ROA % Range Over the Past 10 Years
Min: -0.84  Med: 0.86 Max: 1.32
Current: 0.79
-0.84
1.32
3-Year Revenue Growth Rate 1.10
ANAT's 3-Year Revenue Growth Rate is ranked lower than
77% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. ANAT: 1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ANAT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6  Med: 5.5 Max: 12.7
Current: 1.1
-6
12.7
3-Year EBITDA Growth Rate -14.70
ANAT's 3-Year EBITDA Growth Rate is ranked lower than
75% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. ANAT: -14.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ANAT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 81.9
Current: -14.7
0
81.9
3-Year EPS without NRI Growth Rate -12.20
ANAT's 3-Year EPS without NRI Growth Rate is ranked lower than
72% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. ANAT: -12.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ANAT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.4  Med: 7.7 Max: 141.1
Current: -12.2
-60.4
141.1
GuruFocus has detected 2 Warning Signs with American National Insurance Co $ANAT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ANAT's 30-Y Financials

Financials (Next Earnings Date: 2017-10-31 Est.)


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

» Details

Guru Trades

Q3 2016

ANAT Guru Trades in Q3 2016

Jim Simons 156,000 sh (+4.21%)
Donald Smith 900,689 sh (+0.01%)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 95,225 sh (-0.53%)
Jeremy Grantham 13,084 sh (-9.67%)
» More
Q4 2016

ANAT Guru Trades in Q4 2016

Jim Simons 177,100 sh (+13.53%)
Tweedy Browne 95,225 sh (unchged)
Tweedy Browne Global Value 75,700 sh (unchged)
Donald Smith 882,577 sh (-2.01%)
Jeremy Grantham 12,110 sh (-7.44%)
» More
Q1 2017

ANAT Guru Trades in Q1 2017

Donald Smith 987,061 sh (+11.84%)
Jim Simons 178,000 sh (+0.51%)
Tweedy Browne Global Value 75,700 sh (unchged)
Tweedy Browne 95,225 sh (unchged)
Jeremy Grantham 11,900 sh (-1.73%)
» More
Q2 2017

ANAT Guru Trades in Q2 2017

Jim Simons 186,700 sh (+4.89%)
Donald Smith 1,017,396 sh (+3.07%)
Tweedy Browne Global Value 75,700 sh (unchged)
Jeremy Grantham 11,900 sh (unchged)
Tweedy Browne 95,045 sh (-0.19%)
» More
» Details

Insider Trades

Latest Guru Trades with ANAT

(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
Donald Smith 2017-06-30 Add 3.07%0.09%$112.69 - $120.02 $ 118.002%1,017,396
Tweedy Browne 2017-06-30 Reduce -0.19%$112.69 - $120.02 $ 118.002%95,045
Donald Smith 2017-03-31 Add 11.84%0.32%$114.35 - $124.61 $ 118.00-1%987,061
Donald Smith 2016-12-31 Reduce -2.01%0.06%$112.53 - $131.18 $ 118.00-3%882,577
Donald Smith 2016-09-30 Add 0.01%$110.12 - $122.77 $ 118.002%900,689
Tweedy Browne 2016-09-30 Reduce -0.53%$110.12 - $122.77 $ 118.002%95,225
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6311
Compare:NYSE:MCY, NAS:SIGI, NYSE:PRA, NYSE:WTM, NAS:AFSI, NYSE:RLI, NYSE:THG, NAS:NGHC, NAS:NAVG, NYSE:MBI, NAS:UFCS, NAS:SAFT, NAS:AMSF, NAS:STFC, NAS:IPCC, NAS:KNSL, NAS:SNC, NYSE:STC, NYSE:UVE, NAS:NMIH » details
Headquarter Location:USA
American National Insurance Co is engaged in the business of life insurance, annuities, and property and casualty insurance. It also offers limited health insurance.

American National Insurance Company maintains core businesses in life insurance, annuities, and property and casualty insurance. The company also offers limited health insurance. American National reports five business segments: life, annuity, health, property and casualty, and corporate and other. The vast majority of the company's revenue is derived from its Property and casualty segment, followed by its life segment. The property and casualty segment includes personal and commercial lines, as well as credit-related property insurance products.

Ratios

vs
industry
vs
history
PE Ratio 16.29
ANAT's PE Ratio is ranked lower than
54% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. ANAT: 16.29 )
Ranked among companies with meaningful PE Ratio only.
ANAT' s PE Ratio Range Over the Past 10 Years
Min: 8.77  Med: 12.56 Max: 202.44
Current: 16.29
8.77
202.44
PE Ratio without NRI 16.29
ANAT's PE Ratio without NRI is ranked lower than
54% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. ANAT: 16.29 )
Ranked among companies with meaningful PE Ratio without NRI only.
ANAT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.77  Med: 12.45 Max: 202.44
Current: 16.29
8.77
202.44
Price-to-Owner-Earnings 6.71
ANAT's Price-to-Owner-Earnings is ranked higher than
80% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. ANAT: 6.71 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ANAT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.91  Med: 6.56 Max: 25.08
Current: 6.71
0.91
25.08
PB Ratio 0.66
ANAT's PB Ratio is ranked higher than
95% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. ANAT: 0.66 )
Ranked among companies with meaningful PB Ratio only.
ANAT' s PB Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.67 Max: 1.16
Current: 0.66
0.31
1.16
PS Ratio 0.97
ANAT's PS Ratio is ranked higher than
60% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. ANAT: 0.97 )
Ranked among companies with meaningful PS Ratio only.
ANAT' s PS Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.93 Max: 1.33
Current: 0.97
0.38
1.33
Price-to-Free-Cash-Flow 8.87
ANAT's Price-to-Free-Cash-Flow is ranked higher than
65% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.93 vs. ANAT: 8.87 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ANAT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.49  Med: 5.86 Max: 14.09
Current: 8.87
3.49
14.09
Price-to-Operating-Cash-Flow 7.89
ANAT's Price-to-Operating-Cash-Flow is ranked higher than
66% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.55 vs. ANAT: 7.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ANAT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.35  Med: 5.59 Max: 13.98
Current: 7.89
3.35
13.98
EV-to-EBIT 10.83
ANAT's EV-to-EBIT is ranked lower than
54% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.53 vs. ANAT: 10.83 )
Ranked among companies with meaningful EV-to-EBIT only.
ANAT' s EV-to-EBIT Range Over the Past 10 Years
Min: -201.9  Med: 7.05 Max: 28.6
Current: 10.83
-201.9
28.6
EV-to-EBITDA 8.82
ANAT's EV-to-EBITDA is ranked higher than
50% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. ANAT: 8.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
ANAT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -163.1  Med: 6.4 Max: 51.3
Current: 8.82
-163.1
51.3
EV-to-Revenue 0.70
ANAT's EV-to-Revenue is ranked higher than
66% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. ANAT: 0.70 )
Ranked among companies with meaningful EV-to-Revenue only.
ANAT' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.1  Med: 0.7 Max: 1.3
Current: 0.7
0.1
1.3
Shiller PE Ratio 19.52
ANAT's Shiller PE Ratio is ranked lower than
53% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.92 vs. ANAT: 19.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
ANAT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.07  Med: 15.25 Max: 22.74
Current: 19.52
6.07
22.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.79
ANAT's Dividend Yield % is ranked higher than
55% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. ANAT: 2.79 )
Ranked among companies with meaningful Dividend Yield % only.
ANAT' s Dividend Yield % Range Over the Past 10 Years
Min: 1.91  Med: 2.96 Max: 8.71
Current: 2.79
1.91
8.71
Dividend Payout Ratio 0.45
ANAT's Dividend Payout Ratio is ranked lower than
60% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. ANAT: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ANAT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.43 Max: 4.82
Current: 0.45
0.31
4.82
3-Year Dividend Growth Rate 1.90
ANAT's 3-Year Dividend Growth Rate is ranked lower than
80% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. ANAT: 1.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ANAT' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.9 Max: 8.5
Current: 1.9
0
8.5
Forward Dividend Yield % 2.79
ANAT's Forward Dividend Yield % is ranked higher than
53% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.73 vs. ANAT: 2.79 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.93
ANAT's 5-Year Yield-on-Cost % is ranked lower than
80% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.46 vs. ANAT: 2.93 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ANAT' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.01  Med: 3.11 Max: 9.15
Current: 2.93
2.01
9.15

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.66
ANAT's Price-to-Tangible-Book is ranked higher than
95% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. ANAT: 0.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ANAT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.44  Med: 0.69 Max: 1.12
Current: 0.66
0.44
1.12
Price-to-Intrinsic-Value-Projected-FCF 0.39
ANAT's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. ANAT: 0.39 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ANAT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.85 Max: 1.4
Current: 0.39
0.32
1.4
Price-to-Median-PS-Value 1.04
ANAT's Price-to-Median-PS-Value is ranked higher than
54% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. ANAT: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ANAT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.61  Med: 1.04 Max: 1.69
Current: 1.04
0.61
1.69
Price-to-Graham-Number 0.70
ANAT's Price-to-Graham-Number is ranked higher than
88% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. ANAT: 0.70 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ANAT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.35  Med: 0.58 Max: 2.89
Current: 0.7
0.35
2.89
Earnings Yield (Greenblatt) % 9.23
ANAT's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.47 vs. ANAT: 9.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ANAT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -183  Med: 12.8 Max: 31.4
Current: 9.23
-183
31.4
Forward Rate of Return (Yacktman) % 7.85
ANAT's Forward Rate of Return (Yacktman) % is ranked lower than
64% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. ANAT: 7.85 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ANAT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.7  Med: 16.2 Max: 40.3
Current: 7.85
6.7
40.3

More Statistics

Revenue (TTM) (Mil) $3,276.42
EPS (TTM) $ 7.22
Beta1.04
Short Percentage of Float0.45%
52-Week Range $110.43 - 131.99
Shares Outstanding (Mil)26.93

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