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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 3.09
BWINB's Cash-to-Debt is ranked higher than
52% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. BWINB: 3.09 )
Ranked among companies with meaningful Cash-to-Debt only.
BWINB' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.85  Med: N/A Max: No Debt
Current: 3.09
Equity-to-Asset 0.35
BWINB's Equity-to-Asset is ranked higher than
71% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. BWINB: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
BWINB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.43 Max: 0.55
Current: 0.35
0.2
0.55
Interest Coverage No Debt
BWINB's Interest Coverage is ranked higher than
99% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.80 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
4.54%
5.94%
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 % 9.84
BWINB's Operating Margin % is ranked higher than
57% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. BWINB: 9.84 )
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: 9.84
-18.59
32.68
Net Margin % 6.68
BWINB's Net Margin % is ranked higher than
52% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.61 vs. BWINB: 6.68 )
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: 6.68
-11.57
22.62
ROE % 5.33
BWINB's ROE % is ranked lower than
70% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. BWINB: 5.33 )
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: 5.33
-8.19
14.93
ROA % 1.90
BWINB's ROA % is ranked lower than
56% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. BWINB: 1.90 )
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: 1.9
-3.23
6.5
3-Year Revenue Growth Rate 2.70
BWINB's 3-Year Revenue Growth Rate is ranked lower than
68% of the 129 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
64% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.80 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 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 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 3 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: 2017-08-09)


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

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:HRTG, NAS:NODK, NAS:DGICB, NYSE:HCI, OTCPK:PRBDF, NAS:FNHC, NAS:HALL, NAS:AFH, NAS:EMCI, NYSE:KFS, NAS:NATL, NAS:UIHC, NAS:NMIH, NAS:CNFR, NAS:PIH, NAS:UNAM, NAS:GBLI, OTCPK:PTAYF, NAS:NSEC, NAS:SNC » 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, 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 16.57
BWINB's PE Ratio is ranked lower than
54% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. BWINB: 16.57 )
Ranked among companies with meaningful PE Ratio only.
BWINB' s PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 11.48 Max: 123.38
Current: 16.57
6.47
123.38
PE Ratio without NRI 16.57
BWINB's PE Ratio without NRI is ranked lower than
54% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.65 vs. BWINB: 16.57 )
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: 11.48 Max: 123.38
Current: 16.57
6.47
123.38
PB Ratio 0.86
BWINB's PB Ratio is ranked higher than
81% of the 138 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: 0.92 Max: 1.21
Current: 0.86
0.66
1.21
PS Ratio 1.10
BWINB's PS Ratio is ranked higher than
53% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. BWINB: 1.10 )
Ranked among companies with meaningful PS Ratio only.
BWINB' s PS Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.32 Max: 2.03
Current: 1.1
1.08
2.03
Price-to-Free-Cash-Flow 9.78
BWINB's Price-to-Free-Cash-Flow is ranked higher than
61% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. BWINB: 9.78 )
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: 10.01 Max: 11870
Current: 9.78
4.83
11870
Price-to-Operating-Cash-Flow 9.78
BWINB's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. BWINB: 9.78 )
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: 10.01 Max: 11870
Current: 9.78
4.83
11870
EV-to-EBIT 10.16
BWINB's EV-to-EBIT is ranked higher than
54% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.52 vs. BWINB: 10.16 )
Ranked among companies with meaningful EV-to-EBIT only.
BWINB' s EV-to-EBIT Range Over the Past 10 Years
Min: -103.9  Med: 6.15 Max: 29.4
Current: 10.16
-103.9
29.4
EV-to-EBITDA 10.16
BWINB's EV-to-EBITDA is ranked lower than
54% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.49 vs. BWINB: 10.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
BWINB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.9  Med: 6.15 Max: 29.4
Current: 10.16
-103.9
29.4
Shiller PE Ratio 13.82
BWINB's Shiller PE Ratio is ranked higher than
88% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.56 vs. BWINB: 13.82 )
Ranked among companies with meaningful Shiller PE Ratio only.
BWINB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.22  Med: 12.53 Max: 16.45
Current: 13.82
8.22
16.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.32
BWINB's Dividend Yield % is ranked higher than
70% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. BWINB: 4.32 )
Ranked among companies with meaningful Dividend Yield % only.
BWINB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.08  Med: 4.26 Max: 6.58
Current: 4.32
2.08
6.58
Dividend Payout Ratio 0.73
BWINB's Dividend Payout Ratio is ranked lower than
79% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. BWINB: 0.73 )
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: 0.73
Current: 0.73
0.28
0.73
3-Year Dividend Growth Rate 1.30
BWINB's 3-Year Dividend Growth Rate is ranked lower than
82% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 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 % 4.41
BWINB's Forward Dividend Yield % is ranked higher than
72% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. BWINB: 4.41 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.46
BWINB's 5-Year Yield-on-Cost % is ranked lower than
61% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.51 vs. BWINB: 4.46 )
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: 2.14  Med: 4.39 Max: 6.78
Current: 4.46
2.14
6.78
3-Year Average Share Buyback Ratio -0.30
BWINB's 3-Year Average Share Buyback Ratio is ranked higher than
50% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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 0.87
BWINB's Price-to-Tangible-Book is ranked higher than
85% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. BWINB: 0.87 )
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: 0.87
0.72
1.54
Price-to-Intrinsic-Value-Projected-FCF 0.50
BWINB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
77% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. BWINB: 0.50 )
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: 1.09
Current: 0.5
0.39
1.09
Price-to-Median-PS-Value 0.85
BWINB's Price-to-Median-PS-Value is ranked higher than
82% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. BWINB: 0.85 )
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: 0.83  Med: 1.3 Max: 10
Current: 0.85
0.83
10
Price-to-Graham-Number 0.80
BWINB's Price-to-Graham-Number is ranked higher than
76% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. BWINB: 0.80 )
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: 2.02
Current: 0.8
0.49
2.02
Earnings Yield (Greenblatt) % 9.83
BWINB's Earnings Yield (Greenblatt) % is ranked higher than
59% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. BWINB: 9.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BWINB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -19  Med: 14.4 Max: 34.5
Current: 9.83
-19
34.5
Forward Rate of Return (Yacktman) % 10.18
BWINB's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.64 vs. BWINB: 10.18 )
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: 0.6  Med: 1.5 Max: 91.5
Current: 10.18
0.6
91.5

More Statistics

Revenue (TTM) (Mil) $323.21
EPS (TTM) $ 1.44
Beta0.59
Short Percentage of Float0.90%
52-Week Range $22.60 - 27.70
Shares Outstanding (Mil)15.10
» More Articles for BWINB

Headlines

Articles On GuruFocus.com
Baldwin & Lyons, Inc. Announces Appointment of John Nichols and James Porcari to Board of Directors May 15 2017 
Prem Watsa Eliminates 3 Positions in 1st Quarter May 12 2017 
Baldwin & Lyons Announces Results for the First Quarter of 2017 May 10 2017 
Baldwin & Lyons Announces Quarterly Dividend May 09 2017 
Baldwin & Lyons, Inc. Announces First Quarter 2017 Earnings Release Date and Conference Call Mar 15 2017 
On the Low - Four Insurance Stocks Held by Numerous Billionaires Sep 15 2013 
The Best Dividends on May 18, 2012 May 17 2012 
Baldwin & Lyons Inc. Reports Operating Results (10-K) Mar 11 2011 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Nov 04 2010 
Baldwin & Lyons Inc. Reports Operating Results (10-Q) Aug 04 2010 

More From Other Websites
Baldwin & Lyons, Inc. Announces Second Quarter 2017 Earnings Release Date and Conference Call Jun 16 2017
ETFs with exposure to Baldwin & Lyons, Inc. : June 6, 2017 Jun 06 2017
Baldwin & Lyons, Inc. :BWINB-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017 Jun 05 2017
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bullish Manner : BWINB-US : June 5,... Jun 05 2017
A.M. Best Affirms Credit Ratings of Baldwin & Lyons, Inc. and Its Subsidiaries Jun 01 2017
Baldwin & Lyons, Inc. : BWINB-US: Dividend Analysis : May 23rd, 2017 (record date) : By the numbers... May 23 2017
Edited Transcript of BWINB earnings conference call or presentation 10-May-17 3:00pm GMT May 15 2017
Baldwin & Lyons, Inc. Announces Appointment of John Nichols and James Porcari to Board of Directors May 15 2017
Prem Watsa Eliminates 3 Positions in 1st Quarter May 12 2017
Investor Network: Baldwin & Lyons, Inc. to Host Earnings Call May 10 2017
Baldwin & Lyons Announces Results for the First Quarter of 2017 May 10 2017
Baldwin & Lyons Announces Quarterly Dividend May 09 2017
Baldwin & Lyons, Inc. :BWINB-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14, 2017 Mar 14 2017
Baldwin & Lyons, Inc. :BWINB-US: Earnings Analysis: 2016 By the Numbers : March 13, 2017 Mar 13 2017
Baldwin & Lyons, Inc. : BWINB-US: Dividend Analysis : November 22nd, 2016 (record date) : By the... Jan 20 2017
Baldwin & Lyons, Inc. breached its 50 day moving average in a Bearish Manner : BWINB-US : December... Dec 09 2016

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