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Market Price

23.00 

4.70 25.7%

as of Jul 07 '20

52 Week Range:

11.60 23.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

National General Holdings Corp., a specialty personal lines insurance holding company, provides various insurance products and services in the United States, Bermuda, Luxembourg, and Sweden. The company's Property and Casualty segment offers standard, preferred, and nonstandard automobile insurance products; recreational vehicle (RV) insurance products that carry RV-specific endorsements comprising automatic personal effects coverage, optional replacement cost coverage, RV storage coverage, and full-time liability coverage; and homeowners insurance products consisting of property and liability coverages for one-and two-family, and owner-occupied residences; and additional personal umbrella coverage to the homeowners. It also provides small business automobile insurance products, which covers liability and physical damage caused by light-to-medium duty commercial vehicles; motorcycle insurance products for various types of motorcycles, golf carts, and all-terrain vehicles; and lender-placed insurance products, including fire, home, and flood products, as well as collateral protection insurance and guaranteed asset protection products for automobiles. It sells its products through retail store fronts, web/mobile, phone contact centers, and kiosks; and agents and affinity partners. The company's Accident and Health segment provides accident and non-major medical health insurance products, such as accident/AD&D coverage in the event of bodily injury or death due to accidental means; hospital indemnity; short-term medical plans; cancer/critical illness policies; stop loss programs; medicare supplement insurance policies; basic dental coverage; and life insurance products for individuals. It sells its products through agents, managing general underwriters, employers, Internet; and directly. The company was formerly known as American Capital Acquisition Corporation. National General Holdings Corp. was founded in 1939 and is headquartered in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 13.27
12.07
12.45
16.64
growth rate -9.0% 3.2% 33.7%
Earnings BIT 162.02
210.98
254.83
210.77
272.43
429.56
growth rate 30.2% 20.8% -17.3% 29.3% 57.7%
Avg.PE 19.30
15.37
16.47
16.81
7.22
growth rate -20.4% 7.2% 2.1% -57.1%
ROA 1.58
1.07
1.45
2.75
2.56
2.31
0.95
1.96
3.28
growth rate -32.3% 35.5% 89.7% -6.9% -9.8% -58.9% 106.3% 67.4%
ROE 12.95
8.40
8.01
12.13
11.16
10.69
4.99
10.66
15.84
growth rate -35.1% -4.6% 51.4% -8.0% -4.2% -53.3% 113.6% 48.6%
Leverage 8.22
7.55
4.41
4.42
4.30
4.92
5.59
5.33
4.44
growth rate -8.2% -41.6% 0.2% -2.7% 14.4% 13.6% -4.7% -16.7%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 593.25
736.11
1,091.77
1,324.32
1,399.81
1,428.95
growth rate 24.1% 48.3% 21.3% 5.7% 2.1%
Acct.Payable 157.81
1,881.18
2,456.85
3,320.88
3,941.61
2,367.61
growth rate 1,092.0% 30.6% 35.2% 18.7% -39.9%
Cur.Assets 1,867.97
2,109.38
2,747.74
3,709.56
4,441.49
3,756.39
growth rate 12.9% 30.3% 35.0% 19.7% -15.4%
Total Assets 4,324.72
5,563.39
7,238.03
8,439.74
9,439.28
9,756.53
growth rate 28.6% 30.1% 16.6% 11.8% 3.4%
Cash 132.62
225.93
220.30
292.28
193.86
135.94
growth rate 70.4% -2.5% 32.7% -33.7% -29.9%
Cur.Liabilities 1,309.59
3,457.78
4,412.01
5,493.54
6,292.21
4,716.06
growth rate 164.0% 27.6% 24.5% 14.5% -25.1%
Liabilities 3,251.27
4,026.75
5,320.67
6,486.32
7,238.41
7,139.04
growth rate 23.9% 32.1% 21.9% 11.6% -1.4%
LT Debt 299.08
491.54
751.87
713.71
690.97
665.53
growth rate 64.4% 53.0% -5.1% -3.2% -3.7%
Equity 1,004.69
1,293.80
1,465.44
1,508.57
1,770.84
2,199.45
growth rate 28.8% 13.3% 2.9% 17.4% 24.2%
Common Shares 72.00
72.00
72.00
94.00
101.00
108.00
109.00
111.00
116.00
growth rate 0.0% 0.0% 30.6% 7.5% 6.9% 0.9% 1.8% 4.5%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 15.31
22.67
34.64
95.67
102.39
91.66
growth rate 48.1% 52.8% 176.2% 7.0% -10.5%
Cash Dividends 4.86
18.65
34.36
48.55
48.61
52.78
growth rate 283.7% 84.2% 41.3% 0.1% 8.6%
Cash From OA 388.73
316.06
318.15
317.30
598.13
521.61
growth rate -18.7% 0.7% -0.3% 88.5% -12.8%
FCF per Share 3.34
1.44
3.21
4.21
growth rate -56.9% 122.9% 31.2%
Sale Purchase of Stock 190.78
221.10
10.08
1.26
growth rate 15.9% -95.4% -87.5%
FCF -25.00
-17.00
369.00
293.00
281.00
222.00
496.00
430.00
growth rate 0.0% 100.0% -20.6% -4.1% -21.0% 123.4% -13.3%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 1,862.33
2,511.90
3,544.68
4,422.27
4,607.97
5,153.17
growth rate 34.9% 41.1% 24.8% 4.2% 11.8%
Op.Income 162.02
210.98
254.83
210.77
272.43
429.56
growth rate 30.2% 20.8% -17.3% 29.3% 57.7%
IBT 128.62
167.29
230.37
163.48
221.01
404.44
growth rate 30.1% 37.7% -29.0% 35.2% 83.0%
Net Income 102.24
137.09
175.71
105.85
207.35
348.07
growth rate 34.1% 28.2% -39.8% 95.9% 67.9%
EPS 0.55
0.39
0.59
1.07
1.22
1.40
0.68
1.59
2.73
growth rate -29.1% 51.3% 81.4% 14.0% 14.8% -51.4% 133.8% 71.7%
Gross Profit 494.18
619.92
955.39
1,123.76
1,210.48
1,471.33
growth rate 25.4% 54.1% 17.6% 7.7% 21.6%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Earnings BIT 120.84
112.22
87.74
108.75
140.53
growth rate -7.1% -21.8% 24.0% 29.2%
Balance Sheet Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Acct.Receivable 1,608.25
1,532.78
1,541.13
1,428.95
1,541.76
growth rate -4.7% 0.5% -7.3% 7.9%
Acct.Payable 3,738.25
3,785.38
4,029.88
2,367.61
3,715.81
growth rate 1.3% 6.5% -41.3% 56.9%
Cur.Assets 4,445.61
4,100.62
4,383.08
3,756.39
3,978.21
growth rate -7.8% 6.9% -14.3% 5.9%
Total Assets 9,631.57
9,666.66
10,074.00
9,756.53
9,860.57
growth rate 0.4% 4.2% -3.2% 1.1%
Cash 188.06
211.60
199.42
135.94
309.80
growth rate 12.5% -5.8% -31.8% 127.9%
Cur.Liabilities 6,225.78
6,173.76
6,490.76
4,716.06
6,097.57
growth rate -0.8% 5.1% -27.3% 29.3%
Liabilities 7,300.09
7,205.79
7,542.38
7,139.04
7,189.09
growth rate -1.3% 4.7% -5.4% 0.7%
LT Debt 689.63
688.27
666.98
665.53
664.13
growth rate -0.2% -3.1% -0.2% -0.2%
Equity 1,903.19
2,029.26
2,109.83
2,199.45
2,255.53
growth rate 6.6% 4.0% 4.3% 2.6%
Common Shares 1.13
1.13
1.13
1.13
1.14
growth rate 0.1% 0.1% 0.1% 0.3%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 57.62
20.13
6.54
7.38
9.82
growth rate -65.1% -67.5% 12.9% 33.1%
Cash Dividends 13.39
12.40
13.45
13.54
14.59
growth rate -7.4% 8.5% 0.7% 7.8%
Cash From OA 115.21
179.99
214.25
12.16
144.05
growth rate 56.2% 19.0% -94.3% 1,084.9%
Sale Purchase of Stock
growth rate
FCF 57.59
159.87
207.71
4.78
134.23
growth rate 177.6% 29.9% -97.7% 2,709.4%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 1,232.67
1,269.65
1,306.03
1,344.82
1,328.33
growth rate 3.0% 2.9% 3.0% -1.2%
Op.Income 120.84
112.22
87.74
108.75
140.53
growth rate -7.1% -21.8% 24.0% 29.2%
IBT 107.85
99.30
76.99
120.31
128.75
growth rate -7.9% -22.5% 56.3% 7.0%
Net Income 91.76
77.88
71.15
107.28
100.76
growth rate -15.1% -8.6% 50.8% -6.1%
Gross Profit 368.94
359.99
351.60
390.80
408.09
growth rate -2.4% -2.3% 11.2% 4.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (69.07)

YOY Growth Grade:

D (37.79)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.19 8.19
EPS / Growth 2.81

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.1% 18.1% 18.1%
Future PE 0.01 5.46 14.81
Future EPS 14.84 14.84 14.84
Value Price
MOS %
0.04
-99.8%
20.04
-12.9%
54.34
136.3%
MOS Price 0.02 10.02 27.17
IRT 4.88 4.88 4.88

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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