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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.02
EMCI's Cash-to-Debt is ranked lower than
100% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. EMCI: 0.02 )
Ranked among companies with meaningful Cash-to-Debt only.
EMCI' s Cash-to-Debt Range Over the Past 10 Years
Min: -0.03  Med: 0.01 Max: No Debt
Current: 0.02
-0.03
No Debt
Equity-to-Asset 0.34
EMCI's Equity-to-Asset is ranked higher than
74% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. EMCI: 0.34 )
Ranked among companies with meaningful Equity-to-Asset only.
EMCI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.2  Med: 0.3 Max: 0.37
Current: 0.34
0.2
0.37
Debt-to-Equity 0.04
EMCI's Debt-to-Equity is ranked higher than
93% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. EMCI: 0.04 )
Ranked among companies with meaningful Debt-to-Equity only.
EMCI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.07 Max: 1.02
Current: 0.04
0
1.02
Debt-to-EBITDA 0.56
EMCI's Debt-to-EBITDA is ranked higher than
89% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.72 vs. EMCI: 0.56 )
Ranked among companies with meaningful Debt-to-EBITDA only.
EMCI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.86  Med: 0.39 Max: 0.61
Current: 0.56
-4.86
0.61
Interest Coverage 131.82
EMCI's Interest Coverage is ranked higher than
57% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.00 vs. EMCI: 131.82 )
Ranked among companies with meaningful Interest Coverage only.
EMCI' s Interest Coverage Range Over the Past 10 Years
Min: 47.17  Med: 95.43 Max: 212.63
Current: 131.82
47.17
212.63
WACC vs ROIC
5.84%
6.17%
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 % 6.80
EMCI's Operating Margin % is ranked lower than
57% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. EMCI: 6.80 )
Ranked among companies with meaningful Operating Margin % only.
EMCI' s Operating Margin % Range Over the Past 10 Years
Min: -2.49  Med: 9.95 Max: 13.88
Current: 6.8
-2.49
13.88
Net Margin % 5.26
EMCI's Net Margin % is ranked lower than
57% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.02 vs. EMCI: 5.26 )
Ranked among companies with meaningful Net Margin % only.
EMCI' s Net Margin % Range Over the Past 10 Years
Min: -0.58  Med: 7.29 Max: 10.07
Current: 5.26
-0.58
10.07
ROE % 6.07
EMCI's ROE % is ranked lower than
61% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. EMCI: 6.07 )
Ranked among companies with meaningful ROE % only.
EMCI' s ROE % Range Over the Past 10 Years
Min: -0.76  Med: 9.29 Max: 14.51
Current: 6.07
-0.76
14.51
ROA % 2.12
EMCI's ROA % is ranked higher than
54% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.13 vs. EMCI: 2.12 )
Ranked among companies with meaningful ROA % only.
EMCI' s ROA % Range Over the Past 10 Years
Min: -0.23  Med: 2.99 Max: 3.99
Current: 2.12
-0.23
3.99
3-Year Revenue Growth Rate 2.00
EMCI's 3-Year Revenue Growth Rate is ranked lower than
73% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. EMCI: 2.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EMCI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.3  Med: 5.3 Max: 11
Current: 2
-3.3
11
3-Year EBITDA Growth Rate -1.00
EMCI's 3-Year EBITDA Growth Rate is ranked higher than
51% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. EMCI: -1.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
EMCI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6 Max: 200.9
Current: -1
0
200.9
3-Year EPS without NRI Growth Rate -0.30
EMCI's 3-Year EPS without NRI Growth Rate is ranked higher than
50% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. EMCI: -0.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
EMCI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -69.8  Med: -0.3 Max: 336.3
Current: -0.3
-69.8
336.3
GuruFocus has detected 3 Warning Signs with EMC Insurance Group Inc EMCI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» EMCI's 30-Y Financials

Financials (Next Earnings Date: 2018-02-09)


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

» Details

Guru Trades

Q4 2016

EMCI Guru Trades in Q4 2016

Mairs and Power 190,088 sh (+1.41%)
Jim Simons 214,950 sh (+0.56%)
Keeley Asset Management Corp Sold Out
» More
Q1 2017

EMCI Guru Trades in Q1 2017

Jim Simons 227,372 sh (+5.78%)
Mairs and Power 190,288 sh (+0.11%)
» More
Q2 2017

EMCI Guru Trades in Q2 2017

Jim Simons 235,350 sh (+3.51%)
Mairs and Power 195,528 sh (+2.75%)
» More
Q3 2017

EMCI Guru Trades in Q3 2017

Jim Simons 262,650 sh (+11.60%)
Mairs and Power 195,328 sh (-0.10%)
» More
» Details

Insider Trades

Latest Guru Trades with EMCI

(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
Keeley Asset Management Corp 2016-12-31 Sold Out 0.02%$23.68 - $30.6 $ 30.6211%0
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:NAS:UIHC, XKRX:000370, MEX:Q, NAS:GBLI, TSE:8715, NYSE:UVE, BKK:TIP, NYSE:MBI, NYSE:HRTG, NAS:NMIH, NAS:SNC, NAS:NODK, XKRX:000400, HKSE:00222, NYSE:STC, NYSE:HCI, NAS:DGICB, NAS:KNSL, NAS:BWINB, XKRX:000540 » details
Headquarter Location:USA
EMC Insurance Group Inc is a non-life insurance service provider. Its key product is property and casualty insurance. It is also involved in the reinsurance business.

EMC Insurance Group Inc is a United States based insurance provider that focusses on non-life insurance products. It derives significant revenues from its property and casualty insurance products, which it sells through its subsidiaries company. Its secondary source of revenue is its reinsurance segment. The group manages its reinsurance business through its subsidiary, EMC Reinsurance company, which sells commercial lines of property and casualty insurance products to small and medium-sized businesses.

Top Ranked Articles about EMC Insurance Group Inc

EMC Insurance Group Inc. Amends By-Laws and Elects New Board Member
EMC Insurance Group Inc. Increases and Declares Quarterly Cash Dividend, and Announces Executive Officer Appointments
EMC Insurance Group Inc. Announces Estimate for Third Quarter Catastrophe and Storm Losses, and Third Quarter Earnings Call and Access Information
EMC Insurance Group Inc. COO to Retire in January 2018
EMC Insurance Group Inc. Declares Quarterly Cash Dividend, and Announces a Presentation by Management at the 6th Annual Intellisight Investor Conference
EMC Insurance Group Inc. Declares Quarterly Cash Dividend
EMC Insurance Group Inc. Announces 2017 First Quarter Earnings Call and Access Information
EMC Insurance Group Inc. Declares Quarterly Cash Dividend

DES MOINES, Iowa, March 02, 2017 (GLOBE NEWSWIRE) -- EMC Insurance Group Inc. (NASDAQ:EMCI) (the “Company”) today announced that its board of directors declared a quarterly cash dividend of $0.21 per share of common stock payable March 21, 2017, to stockholders of record as of March 14, 2017.  The Company has declared a quarterly dividend since becoming a publicly held company in February 1982, and has never reduced its dividend.
About EMCI
EMC Insurance Group Inc. is a publicly held insurance holding company with operations in property and casualty insurance and reinsurance, which was formed in 1974 and became publicly held in 1982. The Company’s common stock trades on the Global Select Market tier of the NASDAQ Stock Market under the symbol EMCI. Additional information regarding EMC Insurance Group Inc. may be found at www.emcins.com/ir. EMCI’s parent company is Employers Mutual Casualty Company (EMCC). EMCI and EMCC, together with their subsidiary and affiliated companies, conduct operations under the trade name EMC Insurance Companies.
Contacts

Investors:
Steve Walsh, 515-345-2515
[email protected]

Media:
Lisa Hamilton, 515-345-7589
[email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 18.89
EMCI's PE Ratio is ranked lower than
55% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. EMCI: 18.89 )
Ranked among companies with meaningful PE Ratio only.
EMCI' s PE Ratio Range Over the Past 10 Years
Min: 5.57  Med: 10.99 Max: 85.36
Current: 18.89
5.57
85.36
PE Ratio without NRI 18.89
EMCI's PE Ratio without NRI is ranked lower than
55% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. EMCI: 18.89 )
Ranked among companies with meaningful PE Ratio without NRI only.
EMCI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.57  Med: 10.95 Max: 86.48
Current: 18.89
5.57
86.48
PB Ratio 1.13
EMCI's PB Ratio is ranked higher than
65% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. EMCI: 1.13 )
Ranked among companies with meaningful PB Ratio only.
EMCI' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 0.91 Max: 1.59
Current: 1.13
0.62
1.59
PS Ratio 0.98
EMCI's PS Ratio is ranked higher than
66% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. EMCI: 0.98 )
Ranked among companies with meaningful PS Ratio only.
EMCI' s PS Ratio Range Over the Past 10 Years
Min: 0.48  Med: 0.73 Max: 1.26
Current: 0.98
0.48
1.26
Price-to-Free-Cash-Flow 11.16
EMCI's Price-to-Free-Cash-Flow is ranked higher than
54% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.97 vs. EMCI: 11.16 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EMCI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.78  Med: 7.52 Max: 49.64
Current: 11.16
3.78
49.64
Price-to-Operating-Cash-Flow 11.16
EMCI's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. EMCI: 11.16 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EMCI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.78  Med: 7.52 Max: 49.64
Current: 11.16
3.78
49.64
EV-to-EBIT 14.64
EMCI's EV-to-EBIT is ranked lower than
55% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.02 vs. EMCI: 14.64 )
Ranked among companies with meaningful EV-to-EBIT only.
EMCI' s EV-to-EBIT Range Over the Past 10 Years
Min: -202.6  Med: 6.9 Max: 258.5
Current: 14.64
-202.6
258.5
EV-to-EBITDA 14.64
EMCI's EV-to-EBITDA is ranked lower than
63% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.27 vs. EMCI: 14.64 )
Ranked among companies with meaningful EV-to-EBITDA only.
EMCI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -202.6  Med: 6.9 Max: 258.5
Current: 14.64
-202.6
258.5
EV-to-Revenue 0.98
EMCI's EV-to-Revenue is ranked higher than
60% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. EMCI: 0.98 )
Ranked among companies with meaningful EV-to-Revenue only.
EMCI' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.4  Med: 0.7 Max: 1.3
Current: 0.98
0.4
1.3
Shiller PE Ratio 19.03
EMCI's Shiller PE Ratio is ranked higher than
65% of the 62 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.60 vs. EMCI: 19.03 )
Ranked among companies with meaningful Shiller PE Ratio only.
EMCI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.97  Med: 12.73 Max: 25.62
Current: 19.03
7.97
25.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.77
EMCI's Dividend Yield % is ranked higher than
50% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. EMCI: 2.77 )
Ranked among companies with meaningful Dividend Yield % only.
EMCI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.82  Med: 2.97 Max: 4.43
Current: 2.77
1.82
4.43
Dividend Payout Ratio 0.52
EMCI's Dividend Payout Ratio is ranked lower than
63% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. EMCI: 0.52 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EMCI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.28 Max: 0.52
Current: 0.52
0.21
0.52
3-Year Dividend Growth Rate 10.80
EMCI's 3-Year Dividend Growth Rate is ranked higher than
52% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. EMCI: 10.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
EMCI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.2 Max: 10.8
Current: 10.8
0
10.8
Forward Dividend Yield % 2.92
EMCI's Forward Dividend Yield % is ranked higher than
53% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.33 vs. EMCI: 2.92 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.20
EMCI's 5-Year Yield-on-Cost % is ranked lower than
58% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.12 vs. EMCI: 4.20 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EMCI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.76  Med: 4.51 Max: 6.72
Current: 4.2
2.76
6.72
3-Year Average Share Buyback Ratio -2.10
EMCI's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. EMCI: -2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EMCI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.2  Med: -1.2 Max: 2.1
Current: -2.1
-6.2
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.14
EMCI's Price-to-Tangible-Book is ranked higher than
74% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. EMCI: 1.14 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EMCI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.6  Med: 0.93 Max: 1.64
Current: 1.14
0.6
1.64
Price-to-Intrinsic-Value-Projected-FCF 0.56
EMCI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
76% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. EMCI: 0.56 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EMCI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.43 Max: 0.59
Current: 0.56
0.26
0.59
Price-to-Median-PS-Value 1.37
EMCI's Price-to-Median-PS-Value is ranked lower than
66% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. EMCI: 1.37 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EMCI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.49  Med: 0.89 Max: 1.71
Current: 1.37
0.49
1.71
Price-to-Graham-Number 0.98
EMCI's Price-to-Graham-Number is ranked higher than
69% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. EMCI: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EMCI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 0.69 Max: 5.42
Current: 0.98
0.43
5.42
Earnings Yield (Greenblatt) % 6.83
EMCI's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. EMCI: 6.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EMCI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7.5  Med: 13 Max: 28.3
Current: 6.83
-7.5
28.3
Forward Rate of Return (Yacktman) % 13.59
EMCI's Forward Rate of Return (Yacktman) % is ranked higher than
62% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.52 vs. EMCI: 13.59 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
EMCI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 12.5  Med: 39.6 Max: 61.1
Current: 13.59
12.5
61.1

More Statistics

Revenue (TTM) (Mil) $652.92
EPS (TTM) $ 1.62
Beta0.61
Short Percentage of Float0.39%
52-Week Range $25.97 - 31.47
Shares Outstanding (Mil)21.40

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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