National General Holdings Corp
$
23.6
-0.07 (-0.3%)
| Volume: | 68,984 | Avg Vol (1m): | 248,153 |
| Market Cap $: | 2.67 Bil | Enterprise Value $: | 3.23 Bil |
| P/E (TTM): | 13.33 | P/B: | 1.45 |
| Earnings Power Value | -5.9 |
| Net Current Asset Value | 0 |
| Tangible Book | 11.63 |
| Projected FCF | 53.11 |
| Median P/S Value | 31.46 |
| Graham Number | 21.52 |
| Peter Lynch Value | 32.76 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
1Y (-%)
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Financial Strength : 5/10
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.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.27 |
Cash-To-Debt ranked
lower than
80.30%
of
132
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
NGHC:
0.27
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.09, Med: 0.43, Max: 1.36
Current: 0.27
|
| Equity-to-Asset | 0.24 |
Equity-to-Asset ranked
lower than
59.85%
of
132
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
NGHC:
0.24
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.15, Med: 0.24, Max: 0.3
Current: 0.24
|
| Debt-to-Equity | 0.30 |
Debt-to-Equity ranked
lower than
79.52%
of
83
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
NGHC:
0.3
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0.09, Med: 0.3, Max: 0.41
Current: 0.3
|
| Debt-to-EBITDA | 1.76 |
Debt-to-EBITDA ranked
lower than
67.95%
of
78
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 36.7, Med: 1.62, Min: 0.03
NGHC:
1.76
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: 1.47, Med: 1.88, Max: 2.27
Current: 1.76
|
| Beneish M-Score | -2.57 |
Not Manipulator
Manipulator
| |
| WACC vs ROIC % |
ROIC 10.37%
WACC 4.11%
| ||
Profitability & Growth : 4/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 4.89 |
Net Margin ranked
lower than
69.92%
of
133
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
NGHC:
4.89
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: 2.39, Med: 4.73, Max: 6.53
Current: 4.89
|
| ROE % | 9.39 |
ROE ranked
lower than
73.68%
of
133
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
NGHC:
9.39
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: 3.9, Med: 8.67, Max: 11.74
Current: 9.39
|
| ROA % | 2.51 |
ROA ranked
lower than
63.91%
of
133
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
NGHC:
2.51
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: 1.25, Med: 2.04, Max: 2.86
Current: 2.51
|
| 3-Year Total Revenue Growth Rate | 22.40 |
3-Year Revenue Growth Rate ranked
higher than
93.65%
of
126
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
NGHC:
18.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: 18.6, Med: 28.5, Max: 36.4
Current: 18.6
|
| 3-Year Total EBITDA Growth Rate | 14.00 |
3-Year EBITDA Growth Rate ranked
higher than
75.89%
of
112
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 210.7, Med: 1.7, Min: -149.7
NGHC:
10.4
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
|
3-Year EBITDA Growth Rate range over the past 10 years
Min: 10.4, Med: 29.5, Max: 46.9
Current: 10.4
|
| 3-Year EPS w/o NRI Growth Rate | 9.20 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
75.47%
of
106
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 431.5, Med: 1.5, Min: -100
NGHC:
9.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -14, Med: 12.6, Max: 51.6
Current: 9.2
|
» NGHC's 30-Y Financials
Financials (Next Earnings Date: 2019-08-07)
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Business Description
| Industry | Insurance - Property & Casualty » Insurance - Property & Casualty   NAICS : 524126   SIC : 6331 |
| Compare | NYSE:MCY NYSE:WTM NYSE:ARGO NAS:ANAT TSX:ELF XKRX:000060 NAS:NAVG NYSE:RLI NYSE:PRA NAS:NMIH XKRX:005830 LSE:HSTG LSE:BEZ OCSE:ALMB NAS:SG XPAR:COFA NAS:KNSL NAS:STFC NAS:SAFT NAS:SIGI |
| Traded in other countries | 5NAA.Germany |
| Address | 59 Maiden Lane, 38th Floor, New York, NY, USA, 10038 |
| National General Holdings Corp is a specialty personal lines insurance holding company. It provides a variety of insurance products, including personal and commercial automobile, homeowners, umbrella, recreational vehicle, motorcycle, lender-placed, supplemental health and other niche insurance products. The company sells insurance products with a focus on underwriting profitability through a combination of its customized and predictive analytics and its technology is driven low-cost infrastructure. The company manages its business through two segments, Property and Casualty segment and Accident and Health segment. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 13.33 |
PE Ratio ranked
lower than
82.14%
of
112
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
NGHC:
13.33
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 13.2, Med: 17.92, Max: 30.64
Current: 13.33
|
| Forward PE Ratio | 9.62 |
Forward P/E ranked
lower than
100.00%
of
45
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 123.46, Med: 14.79, Min: 7.05
NGHC:
9.62
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 13.33 |
PE without NRI ranked
lower than
82.14%
of
112
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
NGHC:
13.33
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 13.2, Med: 17.92, Max: 30.64
Current: 13.33
|
| Price-to-Owner-Earnings | 5.28 |
Price-to-Owner-Earnings ranked
higher than
57.14%
of
84
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
NGHC:
5.28
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 5.22, Med: 7.43, Max: 17.25
Current: 5.28
|
| PB Ratio | 1.45 |
PB Ratio ranked
lower than
68.42%
of
133
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
NGHC:
1.45
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 1.16, Med: 1.64, Max: 2.01
Current: 1.45
|
| PS Ratio | 0.57 |
PS Ratio ranked
higher than
78.95%
of
133
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
NGHC:
0.57
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.41, Med: 0.75, Max: 1.2
Current: 0.57
|
| Price-to-Free-Cash-Flow | 5.20 |
Price-to-Free-Cash-Flow ranked
higher than
50.00%
of
88
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 621.88, Med: 12.17, Min: 0.47
NGHC:
5.2
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.41, Med: 7.18, Max: 22.84
Current: 5.2
|
| Price-to-Operating-Cash-Flow | 3.97 |
Price-to-Operating-Cash-Flow ranked
higher than
61.22%
of
98
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 1058.33, Med: 10.59, Min: 0.46
NGHC:
3.97
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.94, Med: 6.48, Max: 12.68
Current: 3.97
|
| EV-to-EBIT | 10.43 |
EV-to-EBIT ranked
lower than
63.72%
of
113
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 322.99, Med: 12.73, Min: 0.38
NGHC:
10.43
Ranked among companies with meaningful EV-to-EBIT only.
|
EV-to-EBIT range over the past 10 years
Min: 10.33, Med: 13.7, Max: 21.3
Current: 10.43
|
| EV-to-EBITDA | 8.03 |
EV-to-EBITDA ranked
higher than
51.72%
of
116
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 182.88, Med: 11.2, Min: 0.33
NGHC:
8.03
Ranked among companies with meaningful EV-to-EBITDA only.
|
EV-to-EBITDA range over the past 10 years
Min: 7.3, Med: 10.1, Max: 16.7
Current: 8.03
|
| EV-to-Revenue | 0.69 |
EV-to-Revenue ranked
higher than
64.06%
of
128
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
NGHC:
0.69
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: 0.6, Med: 1, Max: 1.5
Current: 0.69
|
| PEG Ratio | 0.60 |
PEG Ratio ranked
lower than
54.17%
of
48
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 27.33, Med: 1.32, Min: 0.2
NGHC:
0.6
Ranked among companies with meaningful PEG Ratio only.
|
PEG Ratio range over the past 10 years
Min: 0.41, Med: 0.74, Max: 0.87
Current: 0.6
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 0.68 |
Trailing Dividend Yield ranked
lower than
100.00%
of
194
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
NGHC:
0.68
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 0.06, Med: 0.56, Max: 0.96
Current: 0.68
|
| Dividend Payout Ratio | 0.09 |
Dividend Payout Ratio ranked
higher than
93.28%
of
134
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
NGHC:
0.09
Ranked among companies with meaningful Dividend Payout Ratio only.
|
Dividend Payout Ratio range over the past 10 years
Min: 0.05, Med: 0.1, Max: 0.24
Current: 0.09
|
| 3-Year Dividend Growth Rate (Per Share) | 21.10 |
3-Year Dividend Growth Rate ranked
higher than
92.41%
of
79
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 128.9, Med: 8.6, Min: -100
NGHC:
21.1
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
|
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 47.4
Current: 21.1
|
| Forward Dividend Yield % | 0.68 |
Forward Dividend Yield ranked
lower than
100.00%
of
192
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
NGHC:
0.68
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 0.67 |
Yield-on-Cost (5y) ranked
lower than
100.00%
of
193
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
NGHC:
0.67
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 0.06, Med: 0.56, Max: 0.96
Current: 0.67
|
| 3-Year Share Buyback Rate | -1.60 |
3-Year Share Buyback Rate ranked
lower than
77.01%
of
87
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
NGHC:
-1.6
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -13.7, Med: -9.2, Max: -1.6
Current: -1.6
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 2.03 |
Price-to-Tangible-Book ranked
lower than
86.82%
of
129
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
NGHC:
2.03
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 1.89, Med: 2.54, Max: 3.17
Current: 2.03
|
| Price-to-Projected-FCF | 0.44 |
Price-to-Intrinsic-Value-Projected-FCF ranked
higher than
75.00%
of
92
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
NGHC:
0.44
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.44, Med: 0.54, Max: 0.62
Current: 0.44
|
| Price-to-Median-PS-Value | 0.75 |
Price-to-Median-PS-Value ranked
higher than
92.44%
of
119
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
NGHC:
0.75
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.62, Med: 1.01, Max: 1.49
Current: 0.75
|
| Price-to-Peter-Lynch-Fair-Value | 0.72 |
Price-to-Peter-Lynch-Fair-Value ranked
lower than
62.07%
of
29
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 7.01, Med: 1.14, Min: 0.34
NGHC:
0.72
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
|
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.68, Med: 0.8, Max: 1.14
Current: 0.72
|
| Price-to-Graham-Number | 1.10 |
Price-to-Graham-Number ranked
lower than
88.00%
of
100
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
NGHC:
1.1
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 1.09, Med: 1.41, Max: 1.73
Current: 1.1
|
| Earnings Yield (Joel Greenblatt) % | 9.59 |
Earnings Yield (Greenblatt) ranked
lower than
54.55%
of
132
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 263.16, Med: 6.78, Min: -238.1
NGHC:
9.59
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
|
Earnings Yield (Greenblatt) range over the past 10 years
Min: 4.7, Med: 7.3, Max: 9.67
Current: 9.59
|
| Forward Rate of Return (Yacktman) % | 31.96 |
Forward Rate of Return ranked
higher than
86.21%
of
87
companies
in the
Insurance - Property & Casualty
industry.
Industry Max: 333.79, Med: 12.52, Min: -44.7
NGHC:
31.96
Ranked among companies with meaningful Forward Rate of Return only.
|
Forward Rate of Return range over the past 10 years
Min: 28.6, Med: 30.7, Max: 32.9
Current: 31.96
|
More Statistics
| Revenue (TTM) (Mil) $ | 4,723.38 |
| EPS (TTM) $ | 1.77 |
| Beta | 0.24 |
| Volatility % | 18.53 |
| 52-Week Range $ | 21.22 - 28.89 |
| Shares Outstanding (Mil) | 113.17 |