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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 3.43
BWINB's Cash-to-Debt is ranked higher than
52% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. BWINB: 3.43 )
Ranked among companies with meaningful Cash-to-Debt only.
BWINB' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.85  Med: 7.69 Max: No Debt
Current: 3.43
Equity-to-Asset 0.31
BWINB's Equity-to-Asset is ranked higher than
69% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. BWINB: 0.31 )
Ranked among companies with meaningful Equity-to-Asset only.
BWINB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.42 Max: 0.55
Current: 0.31
0.2
0.55
Debt-to-Equity 0.05
BWINB's Debt-to-Equity is ranked higher than
90% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. BWINB: 0.05 )
Ranked among companies with meaningful Debt-to-Equity only.
BWINB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.06
Current: 0.05
0.01
0.06
Debt-to-EBITDA 2.99
BWINB's Debt-to-EBITDA is ranked lower than
97% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.72 vs. BWINB: 2.99 )
Ranked among companies with meaningful Debt-to-EBITDA only.
BWINB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.62  Med: 0.19 Max: 2.99
Current: 2.99
-0.62
2.99
Interest Coverage No Debt
BWINB's Interest Coverage is ranked higher than
99% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.00 vs. BWINB: No Debt )
Ranked among companies with meaningful Interest Coverage only.
BWINB' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
WACC vs ROIC
4.46%
1.88%
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 : 5/10

vs
industry
vs
history
Operating Margin % 1.95
BWINB's Operating Margin % is ranked lower than
85% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. BWINB: 1.95 )
Ranked among companies with meaningful Operating Margin % only.
BWINB' s Operating Margin % Range Over the Past 10 Years
Min: -18.59  Med: 14.58 Max: 32.68
Current: 1.95
-18.59
32.68
Net Margin % 1.95
BWINB's Net Margin % is ranked lower than
85% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.02 vs. BWINB: 1.95 )
Ranked among companies with meaningful Net Margin % only.
BWINB' s Net Margin % Range Over the Past 10 Years
Min: -11.57  Med: 10.11 Max: 22.62
Current: 1.95
-11.57
22.62
ROE % 1.65
BWINB's ROE % is ranked lower than
86% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. BWINB: 1.65 )
Ranked among companies with meaningful ROE % only.
BWINB' s ROE % Range Over the Past 10 Years
Min: -8.19  Med: 7.43 Max: 14.93
Current: 1.65
-8.19
14.93
ROA % 0.56
BWINB's ROA % is ranked lower than
86% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.13 vs. BWINB: 0.56 )
Ranked among companies with meaningful ROA % only.
BWINB' s ROA % Range Over the Past 10 Years
Min: -3.23  Med: 2.82 Max: 6.5
Current: 0.56
-3.23
6.5
3-Year Revenue Growth Rate 2.70
BWINB's 3-Year Revenue Growth Rate is ranked lower than
69% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. BWINB: 2.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BWINB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.7 Max: 28.3
Current: 2.7
0
28.3
3-Year EBITDA Growth Rate -6.70
BWINB's 3-Year EBITDA Growth Rate is ranked lower than
63% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. BWINB: -6.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BWINB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -8.9 Max: 74.9
Current: -6.7
0
74.9
3-Year EPS without NRI Growth Rate -7.80
BWINB's 3-Year EPS without NRI Growth Rate is ranked lower than
63% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. BWINB: -7.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BWINB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.2 Max: 80.3
Current: -7.8
0
80.3
GuruFocus has detected 2 Warning Signs with Baldwin & Lyons Inc BWINB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BWINB's 30-Y Financials

Financials (Next Earnings Date: 2018-02-16)


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

» Details

Guru Trades

Q4 2016

BWINB Guru Trades in Q4 2016

Jim Simons 437,200 sh (+50.72%)
Chuck Royce 268,138 sh (-3.63%)
Prem Watsa 377,524 sh (-61.07%)
» More
Q1 2017

BWINB Guru Trades in Q1 2017

Jim Simons 456,900 sh (+4.51%)
Chuck Royce 268,138 sh (unchged)
Prem Watsa Sold Out
» More
Q2 2017

BWINB Guru Trades in Q2 2017

Chuck Royce 268,138 sh (unchged)
Jim Simons 448,800 sh (-1.77%)
» More
Q3 2017

BWINB Guru Trades in Q3 2017

Jim Simons 492,100 sh (+9.65%)
Chuck Royce 257,278 sh (-4.05%)
» More
» Details

Insider Trades

Latest Guru Trades with BWINB

(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
Prem Watsa 2017-03-31 Sold Out 0.81%$23 - $25.4 $ 23.40-3%0
Prem Watsa 2016-12-31 Reduce -61.07%1.37%$23.45 - $27.4 $ 23.40-8%377,524
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: 6331
Compare:XKRX:000540, NAS:DGICB, HSTC:PVI, NYSE:HCI, ISX:ABDA, HKSE:00222, XKRX:000400, NAS:NODK, TPE:2850, NYSE:HRTG, KAR:EFUG, SGX:U13, BKK:SMK, BKK:TIP, BKK:MTI, NAS:AFH, TSE:8715, BKK:AYUD, XKLS:5237, NAS:HALL » details
Headquarter Location:USA
Baldwin & Lyons Inc is a US company which is engaged in marketing and underwriting property and casualty insurance and also acts as a reinsurer for limited risk. It also provides private passenger automobile products and workers' compensation.

Baldwin & Lyons Inc is engaged in marketing and underwriting property and casualty insurance and also acts as a reinsurer for limited risk in the United States. The company mainly provides multiple line insurance coverages primarily to fleet transportation companies as well as to independent contractors. It also provides private passenger automobile products to individuals, workers' compensation coverage to small businesses and professional liability products on a selective basis. In addition, the company also provides accepts professional liability cessions from other insurance companies. The company manages its business in two segments namely Property and Casualty Insurance and Reinsurance. Its revenue comprises of premium, commission, fees and other income.

Top Ranked Articles about Baldwin & Lyons Inc

Baldwin & Lyons Announces Quarterly Dividend
Baldwin & Lyons, Inc. Announces Third Quarter 2017 Earnings Release Date and Conference Call
Baldwin & Lyons, Inc., Announces Appointment of LoriAnn Lowery-Biggers to Board of Directors
Baldwin & Lyons Announces Quarterly Dividend
Baldwin & Lyons, Inc. Announces Appointment of John Nichols and James Porcari to Board of Directors
Prem Watsa Eliminates 3 Positions in 1st Quarter Guru reports quarterly portfolio
Prem Watsa (Trades, Portfolio), commonly referred to as the Warren Buffett (Trades, Portfolio) of Canada, eliminated his position in three companies, Overstock.com Inc. (NASDAQ:OSTK), Baldwin & Lyons Inc. (NASDAQ:BWINB) and Team Health Holdings Inc. (NYSE:TMH), during first-quarter 2017. Read more...
Baldwin & Lyons Announces Results for the First Quarter of 2017
Baldwin & Lyons Announces Quarterly Dividend
Baldwin & Lyons, Inc. Announces First Quarter 2017 Earnings Release Date and Conference Call

CARMEL, Ind., March 15, 2017 (GLOBE NEWSWIRE) -- Baldwin & Lyons, Inc. (NASDAQ:BWINA) (NASDAQ:BWINB), today announced that management has scheduled its quarterly conference call for Wednesday May 10, 2017, at 11:00 AM ET (New York time) to discuss results for the first quarter ended March 31, 2017.  Results will be released prior to the opening of the financial markets on May 10, 2017, and will be available on the company's website at www.baldwinandlyons.com upon release.
To participate via teleconference, investors may dial 1-877-705-6003 (U.S./Canada) or 1-201-493-6725 (International or local) at least five minutes prior to the beginning of the call.  A replay of the call will be available through May 17, 2017 by calling 1-844-512-2921 or 1-412-317-6671 and referencing passcode 13657859. Investors and interested parties may also listen to the call via a live webcast, accessible on the company’s web site via a link at the top of the main Investor Relations page.  To participate in the webcast, please register at least fifteen minutes prior to the start of the call.  The webcast will be archived on this site until November 10, 2017. The webcast may be accessed directly at: http://public.viavid.com/index.php?id=123410 About the Company Baldwin & Lyons, Inc., based in Carmel, Indiana, is a specialty property-casualty insurer with a leading position in providing liability coverage for large and medium-sized trucking and public transportation fleets as well as coverages for trucking industry independent contractors.  Additionally, the Company’s product offerings include coverage for small fleet trucking as well as workers’ compensation for small businesses and casualty reinsurance. Forward-looking statements in this report are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Investors are cautioned that such forward-looking statements involve inherent risks and uncertainties. Readers are encouraged to review the Company's annual report for its full statement regarding forward-looking information.
Press Contact: William Vens
(317) 429-2554
[email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 52.45
BWINB's PE Ratio is ranked lower than
98% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. BWINB: 52.45 )
Ranked among companies with meaningful PE Ratio only.
BWINB' s PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 11.58 Max: 123.38
Current: 52.45
6.47
123.38
PE Ratio without NRI 52.45
BWINB's PE Ratio without NRI is ranked lower than
98% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. BWINB: 52.45 )
Ranked among companies with meaningful PE Ratio without NRI only.
BWINB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.47  Med: 11.58 Max: 123.38
Current: 52.45
6.47
123.38
PB Ratio 0.86
BWINB's PB Ratio is ranked higher than
79% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. BWINB: 0.86 )
Ranked among companies with meaningful PB Ratio only.
BWINB' s PB Ratio Range Over the Past 10 Years
Min: 0.66  Med: 0.91 Max: 1.21
Current: 0.86
0.66
1.21
PS Ratio 1.01
BWINB's PS Ratio is ranked higher than
57% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. BWINB: 1.01 )
Ranked among companies with meaningful PS Ratio only.
BWINB' s PS Ratio Range Over the Past 10 Years
Min: 0.95  Med: 1.31 Max: 2.03
Current: 1.01
0.95
2.03
Price-to-Free-Cash-Flow 6.31
BWINB's Price-to-Free-Cash-Flow is ranked lower than
52% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.97 vs. BWINB: 6.31 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BWINB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.83  Med: 10.24 Max: 11870
Current: 6.31
4.83
11870
Price-to-Operating-Cash-Flow 6.31
BWINB's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. BWINB: 6.31 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BWINB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.83  Med: 10.24 Max: 11870
Current: 6.31
4.83
11870
EV-to-EBIT 45.12
BWINB's EV-to-EBIT is ranked lower than
99% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.02 vs. BWINB: 45.12 )
Ranked among companies with meaningful EV-to-EBIT only.
BWINB' s EV-to-EBIT Range Over the Past 10 Years
Min: -103.9  Med: 6.3 Max: 182
Current: 45.12
-103.9
182
EV-to-EBITDA 45.12
BWINB's EV-to-EBITDA is ranked lower than
99% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.27 vs. BWINB: 45.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
BWINB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.9  Med: 6.3 Max: 182
Current: 45.12
-103.9
182
EV-to-Revenue 0.88
BWINB's EV-to-Revenue is ranked higher than
65% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. BWINB: 0.88 )
Ranked among companies with meaningful EV-to-Revenue only.
BWINB' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.7  Med: 1.1 Max: 1.7
Current: 0.88
0.7
1.7
Shiller PE Ratio 15.35
BWINB's Shiller PE Ratio is ranked higher than
77% of the 62 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.60 vs. BWINB: 15.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
BWINB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.22  Med: 12.5 Max: 16.38
Current: 15.35
8.22
16.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.57
BWINB's Dividend Yield % is ranked higher than
75% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. BWINB: 4.57 )
Ranked among companies with meaningful Dividend Yield % only.
BWINB' s Dividend Yield % Range Over the Past 10 Years
Min: 3.18  Med: 4.29 Max: 6.58
Current: 4.57
3.18
6.58
Dividend Payout Ratio 2.43
BWINB's Dividend Payout Ratio is ranked lower than
99% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. BWINB: 2.43 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BWINB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.49 Max: 2.43
Current: 2.43
0.28
2.43
3-Year Dividend Growth Rate 1.30
BWINB's 3-Year Dividend Growth Rate is ranked lower than
81% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. BWINB: 1.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BWINB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.6 Max: 35.7
Current: 1.3
0
35.7
Forward Dividend Yield % 4.62
BWINB's Forward Dividend Yield % is ranked higher than
76% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.33 vs. BWINB: 4.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.71
BWINB's 5-Year Yield-on-Cost % is ranked lower than
52% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.12 vs. BWINB: 4.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BWINB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.28  Med: 4.42 Max: 6.78
Current: 4.71
3.28
6.78
3-Year Average Share Buyback Ratio -0.30
BWINB's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. BWINB: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BWINB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.2  Med: 1.1 Max: 0
Current: -0.3
-1.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.86
BWINB's Price-to-Tangible-Book is ranked higher than
85% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. BWINB: 0.86 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BWINB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.72  Med: 0.97 Max: 1.54
Current: 0.86
0.72
1.54
Price-to-Intrinsic-Value-Projected-FCF 0.47
BWINB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
80% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. BWINB: 0.47 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BWINB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.61 Max: 6.89
Current: 0.47
0.39
6.89
Price-to-Median-PS-Value 0.78
BWINB's Price-to-Median-PS-Value is ranked higher than
84% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. BWINB: 0.78 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BWINB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.77  Med: 1.3 Max: 10
Current: 0.78
0.77
10
Price-to-Graham-Number 1.41
BWINB's Price-to-Graham-Number is ranked lower than
85% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. BWINB: 1.41 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BWINB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.73 Max: 2.07
Current: 1.41
0.49
2.07
Earnings Yield (Greenblatt) % 2.22
BWINB's Earnings Yield (Greenblatt) % is ranked lower than
87% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. BWINB: 2.22 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BWINB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -19  Med: 14 Max: 34.5
Current: 2.22
-19
34.5
Forward Rate of Return (Yacktman) % -13.92
BWINB's Forward Rate of Return (Yacktman) % is ranked lower than
81% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.52 vs. BWINB: -13.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BWINB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -14  Med: 1.5 Max: 84.4
Current: -13.92
-14
84.4

More Statistics

Revenue (TTM) (Mil) $343.39
EPS (TTM) $ 0.44
Beta0.45
Short Percentage of Float0.64%
52-Week Range $21.20 - 27.70
Shares Outstanding (Mil)15.04

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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