Switch to:

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 No Debt
UNAM's Cash-to-Debt is ranked higher than
98% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. UNAM: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
UNAM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.48
UNAM's Equity-to-Asset is ranked higher than
90% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UNAM: 0.48 )
Ranked among companies with meaningful Equity-to-Asset only.
UNAM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.18  Med: 0.37 Max: 0.54
Current: 0.48
0.18
0.54
Interest Coverage No Debt
UNAM's Interest Coverage is ranked higher than
98% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. UNAM: No Debt )
Ranked among companies with meaningful Interest Coverage only.
UNAM' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
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 % -14.32
UNAM's Operating Margin % is ranked lower than
94% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. UNAM: -14.32 )
Ranked among companies with meaningful Operating Margin % only.
UNAM' s Operating Margin % Range Over the Past 10 Years
Min: -14.32  Med: 8.7 Max: 20
Current: -14.32
-14.32
20
Net Margin % -9.39
UNAM's Net Margin % is ranked lower than
94% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.16 vs. UNAM: -9.39 )
Ranked among companies with meaningful Net Margin % only.
UNAM' s Net Margin % Range Over the Past 10 Years
Min: -9.39  Med: 6.12 Max: 13.32
Current: -9.39
-9.39
13.32
ROE % -4.87
UNAM's ROE % is ranked lower than
92% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. UNAM: -4.87 )
Ranked among companies with meaningful ROE % only.
UNAM' s ROE % Range Over the Past 10 Years
Min: -4.87  Med: 2.93 Max: 10.33
Current: -4.87
-4.87
10.33
ROA % -2.39
UNAM's ROA % is ranked lower than
94% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.21 vs. UNAM: -2.39 )
Ranked among companies with meaningful ROA % only.
UNAM' s ROA % Range Over the Past 10 Years
Min: -2.39  Med: 1.39 Max: 3.52
Current: -2.39
-2.39
3.52
3-Year Revenue Growth Rate 4.50
UNAM's 3-Year Revenue Growth Rate is ranked lower than
74% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.60 vs. UNAM: 4.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UNAM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.8  Med: 0.6 Max: 15.3
Current: 4.5
-8.8
15.3
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UNAM's 30-Y Financials

Financials (Next Earnings Date: 2017-08-11 Est.)


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

» Details

Guru Trades

Q2 2016

UNAM Guru Trades in Q2 2016

Jim Simons 14,100 sh (+1.44%)
» More
Q3 2016

UNAM Guru Trades in Q3 2016

Jim Simons 14,100 sh (unchged)
» More
Q4 2016

UNAM Guru Trades in Q4 2016

Jim Simons 14,100 sh (unchged)
» More
Q1 2017

UNAM Guru Trades in Q1 2017

Jim Simons 14,400 sh (+2.13%)
» More
» Details

Insider Trades

Latest Guru Trades with UNAM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:CNFR, NAS:PIH, NAS:NSEC, NYSE:KFS, NAS:AFH, NAS:HALL, NAS:FNHC, OTCPK:PRBDF, NAS:BWINB, NYSE:HRTG, NAS:NODK, NAS:DGICA, NYSE:HCI, NAS:EMCI, NAS:NMIH, NAS:NATL, NAS:GBLI, NAS:UIHC, NAS:SNC, NAS:KNSL » details
Headquarter Location:USA
Unico American Corp is an insurance holding company that underwrites property and casualty insurance; provides property, casualty, and health insurance; and provides insurance premium financing and membership association services.

Unico American Corp was incorporated under the laws of Nevada in 1969. The Company is an insurance holding company that underwrites property and casualty insurance through its insurance company subsidiary; provides property, casualty, and health insurance through its agency subsidiaries; and provides insurance premium financing and membership association services through its other subsidiaries. The insurance company operation is conducted through Crusader Insurance Company, its property and casualty insurance company. Commercial multiple peril policies provides a combination of property and liability coverage for businesses. Commercial property coverage insures against loss or damage to buildings, inventory and equipment from natural disasters, including hurricanes, windstorms, hail, water, explosions, severe winter weather, and other events such as theft and vandalism, fires, storms, and financial loss due to business interruption resulting from covered property damage. The Company sells its insurance policies through Unifax Insurance Systems, Inc., Crusader's sister corporation and exclusive general agent. The insurance company operation is subject to regulation by the California Department of Insurance and by the department of insurance of other states in which Crusader is licensed.

Ratios

vs
industry
vs
history
PB Ratio 0.78
UNAM's PB Ratio is ranked higher than
87% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. UNAM: 0.78 )
Ranked among companies with meaningful PB Ratio only.
UNAM' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.81 Max: 1.27
Current: 0.78
0.49
1.27
PS Ratio 1.45
UNAM's PS Ratio is ranked lower than
64% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. UNAM: 1.45 )
Ranked among companies with meaningful PS Ratio only.
UNAM' s PS Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.52 Max: 2.32
Current: 1.45
0.83
2.32
Shiller PE Ratio 25.87
UNAM's Shiller PE Ratio is ranked higher than
66% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.57 vs. UNAM: 25.87 )
Ranked among companies with meaningful Shiller PE Ratio only.
UNAM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.22  Med: 16.15 Max: 27.47
Current: 25.87
10.22
27.47

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 8.83
UNAM's 5-Year Yield-on-Cost % is ranked higher than
75% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.36 vs. UNAM: 8.83 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNAM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.52  Med: 7.39 Max: 10.13
Current: 8.83
1.52
10.13
3-Year Average Share Buyback Ratio 0.20
UNAM's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. UNAM: 0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UNAM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3  Med: -0.1 Max: 4.5
Current: 0.2
-3
4.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.78
UNAM's Price-to-Tangible-Book is ranked higher than
90% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. UNAM: 0.78 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNAM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.45  Med: 0.96 Max: 3.13
Current: 0.78
0.45
3.13
Price-to-Intrinsic-Value-Projected-FCF 2.04
UNAM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. UNAM: 2.04 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNAM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.59 Max: 5.93
Current: 2.04
0.2
5.93
Price-to-Median-PS-Value 0.96
UNAM's Price-to-Median-PS-Value is ranked higher than
63% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. UNAM: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNAM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 0.69 Max: 1.53
Current: 0.96
0.24
1.53
Earnings Yield (Greenblatt) % -31.05
UNAM's Earnings Yield (Greenblatt) % is ranked lower than
99.99% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.58 vs. UNAM: -31.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNAM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -31.06  Med: 21.5 Max: 329.5
Current: -31.05
-31.06
329.5
Forward Rate of Return (Yacktman) % -43.23
UNAM's Forward Rate of Return (Yacktman) % is ranked lower than
97% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.92 vs. UNAM: -43.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UNAM' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -43.8  Med: -20.8 Max: 73
Current: -43.23
-43.8
73

More Statistics

Revenue (TTM) (Mil) $35.70
EPS (TTM) $ -0.62
Beta-0.70
Short Percentage of Float0.09%
52-Week Range $8.90 - 12.39
Shares Outstanding (Mil)5.31

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 1.94
EPS without NRI ($) 1.94
EPS Growth Rate
(Future 3Y To 5Y Estimate)
6.21%
Dividends per Share ($) 1.22
» More Articles for UNAM

Headlines

Articles On GuruFocus.com
Unico American Corporation: A Company I Would Love to Own Outright Feb 04 2013 
Unico American Corp. Reports Operating Results (10-Q) Nov 15 2010 
Unico American Corp. Reports Operating Results (10-Q) Aug 13 2010 
Unico American Corp. Reports Operating Results (10-Q) May 14 2010 
Unico American Corp. Reports Operating Results (10-Q) Nov 10 2009 
Unico American Corp. Reports Operating Results (10-Q) Aug 13 2009 
Unico American Corp. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
Unico American Corp. :UNAM-US: Earnings Analysis: Q1, 2017 By the Numbers : May 24, 2017 May 24 2017
Unico American Corporation Announces Medical Leave of Absence for Its Executive Vice President May 16 2017
Unico American Corporation Reports First Quarter 2017 Financial Results May 15 2017
Unico American Corp. :UNAM-US: Earnings Analysis: Q4, 2016 By the Numbers : April 13, 2017 Apr 13 2017
Unico American Corporation Reports Fourth Quarter and Full Year 2016 Financial Results Mar 30 2017
Unico American Corporation Reports Third Quarter 2016 Financial Results Nov 08 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q2, 2016 By the Numbers : August 18, 2016 Aug 18 2016
Unico American Corporation Reports Second Quarter 2016 Financial Results Aug 11 2016
Unico American Corporation Announces the Appointment of Lester A. Aaron as Executive Vice President... Aug 05 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q1, 2016 By the Numbers : June 6, 2016 Jun 06 2016
Unico American Corp. :UNAM-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 05 2016
Unico American Corp.: Gathering momentum, but may lack support Jan 01 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)