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AmTrust Financial Services Inc
AFSI : NASDAQ : Financial
$25.05 | %
Today's Range: 24.20 - 25.06
Avg. Daily Volume: 1,024,000
02/12/16 - 4:00 PM ET

Financial Analysis


AMTRUST FINANCIAL SERVICES's gross profit margin for the fourth quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

At the same time, stockholders' equity ("net worth") has greatly increased by 42.96% from the same quarter last year.

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Income Statement Q4 FY15 Q4 FY14
Net Sales ($mil)1212.61065.23
EBITDA ($mil)0.0164.25
EBIT ($mil)142.69146.24
Net Income ($mil)72.6576.91


Balance Sheet Q4 FY15 Q4 FY14
Cash & Equiv. ($mil)0.01285.48
Total Assets ($mil)17150.013847.37
Total Debt ($mil)0.0938.9
Equity ($mil)2912.152037.02


Profitability Q4 FY15 Q4 FY14
Gross Profit Margin11.7715.42
EBITDA Margin0.015.41
Operating Margin11.7713.73
Sales Turnover0.270.3
Return on Assets2.933.22
Return on Equity16.221.31
Debt Q4 FY15 Q4 FY14
Current Ratio0.00.0
Debt/Capital0.00.32
Interest Expense15.2912.21
Interest Coverage9.3311.98


Share Data Q4 FY15 Q4 FY14
Shares outstanding (mil)165.82155.48
Div / share0.150.13
EPS0.370.44
Book value / share17.5613.1
Institutional Own % n/a n/a
Avg Daily Volume598033.0605705.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 15.40 for the Insurance industry and a significant discount compared to the S&P 500 average of 20.43. For additional comparison, its price-to-book ratio of 1.45 indicates a discount versus the S&P 500 average of 2.43 and a discount versus the industry average of 1.46. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, AMTRUST FINANCIAL SERVICES proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
AFSI 9.10 Peers 15.40   AFSI NA Peers 11.44

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

AFSI is trading at a significant discount to its peers.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
AFSI 7.26 Peers 13.96   AFSI NM Peers 1.91

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

AFSI is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

AFSI's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
AFSI 1.45 Peers 1.46   AFSI 2.75 Peers 13.22

Average. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

AFSI is trading at a valuation on par with its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, AFSI is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
AFSI 0.90 Peers 1.20   AFSI 14.34 Peers -2.61

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

AFSI is trading at a significant discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

AFSI has a sales growth rate that significantly exceeds its peers.

 

 

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