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Fundamental analysis: American National Group, Inc. (ANAT)

Awarener score: 5.0

Conclusion

The higher the Awarener score, the more bang you get for the buck. It measures how much genuine funds the company generates for the stock price paid (could not be estimated), the business stability (Modest) and growth (Modest), and the company's inclination to return cash to the stockholders (unknown).

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 5.0

  • Business growth has been almost stagnant. It's been below average when measured against peer companies.
  • American National Group, Inc. business trend isn't so stable. The higher the stability, the lower the risk. It looks slightly better than rivals.

Margins score: 6.3

  • ANAT profit margins -on goods and services sold- are usually extremely poor. They stand well ranked against rival companies.
  • Business profit on sales tends to be sufficient. It's great when measured against competitors.
  • Profits on sales made -available to repay debt and purchase properties- are usually good. They remain rather normal in relation to peers.
  • Earnings -before income taxes and interests on loans taken- tend to be good in relation to total revenues. They're still somewhat better than similar companies.
  • Profits -before income taxes- are usually very good considering total sales, and remain almost average when measured against rivals.
  • Total net profit tends to be very good when confronted to sales. Company stands encouraging in relation to comparable firms.

Growth score: 8.0

  • American National Group, Inc. profit -on goods and services sold- has been growing at a normal pace. It's been lacking compared to competitors.
  • In recent years, earnings -on operations- have been shrinking, which has been worse than most comparable firms.
  • Profits -available to repay debt and purchase properties- have been growing at an extremely fast pace, which compares below average when measured against peer enterprises.
  • Earnings -before income taxes and interests on loans taken- have been growing at an extremely fast tempo. It turns to be lacking compared to similar stocks.
  • In past years, profits -before income taxes- grew at an extremely fast speed. It was slightly worse than rivals.
  • In the previous years, growth trend on total net profit has been excellent, and below average when measured against peer companies.
  • Earnings per share have grown at an excellent rhythm in past years. It's been lacking compared to industry peers.

Miscellaneous score: 8.0

  • ANAT managed to pay little to no income taxes on profits made in the past years. It's been mediocre against peers.
  • The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
  • We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 8.5

  • American National Group, Inc. usually gets huge returns on the resources it controls. It proves top tier when measured against peer firms.
  • The company normally gets good proceeds -on the resources directly invested in the business-. They remain lacking compared to similar companies.
  • Profitability -in relation to owned resources- is usually quite good. It ranks below average when measured against competitors.
  • In the past, got huge returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's top tier when measured against comparable enterprises.

Usage of Funds score: 3.4

  • ANAT on average doesn't generate genuine funds, so to buy or replace property, plants and equipment must either burn existing cash or increase debt. It stands top tier when measured against rival firms.
  • The company is usually replacing some proportion of the property, plant, and equipment that gets old, saving part of the funds for something else, which is similar to industry peers.
  • There was no available information regarding dividend yield. It came unknown against competitors.
  • In recent years, has cut back dividend payments. It could be traversing challenging times. The company has behaved in a very weak position compared to similar firms.
  • The company generates very few genuine funds. Dividend payments are usually on borrowed money, which isn't sustainable in the long run. Unless business prospects improve greatly, future payments could be at risk. Sustainability looks bottom tier against comparable companies.
  • The company usually neither enlarges nor reduces the pool of investors, resulting in approximately the same mouths feeding on the pie of profits. It remains in a weak position compared to peer enterprises.
  • We are not sure on the effectiveness of the company when repurchasing shares, as there were not enough numbers to crunch. It stands unidentified against rivals.
  • We do not have sufficient data to comment on buybacks and their sustainability. It still looks dubious against competitors.

Balance Sheet score: 6.1

  • American National Group, Inc. has no intangible assets (like brands and goodwill) according to accounting books, which is safest. It happens to be top tier when measured against peer companies.
  • Current ratio remains a mystery, as there was not sufficient Balance Sheet information. It turns to be unidentifiable against similar firms.
  • Almost no resources controlled were provided for with financial debt. Financial strength is great. Company could significantly increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains somewhat better than rival firms.
  • Controlled resources might be only very slowly turned into cash and equivalents, which is riskier. It looks weak when measured against rivals.
  • Quick ratio is unavailable at this moment, due to lacking data. It's a pity we cannot compare it with peer firms.
  • A conclusion on cash ratio could not be reached, as we lack inputs, which is unfortunate when trying to measure against similar enterprises.
  • Usually, sales are on somewhat less than three months credit. It still ranks almost average when measured against peers.
  • Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
  • We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
  • Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
  • Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
  • To what extent normalized EBITDA covers interest expenses is not known. It stands impossible to compare against rival firms.
  • Business earnings have usually been excellent when measured against loans taken. It could take less than two years to repay the obligations with current profitability. It ranks top tier when measured against comparable enterprises.
  • Revenues are huge in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. Low property, plant, and equipment requirements, allows the company to keep more money to reward stockholders in the long run. It looks rather normal in relation to similar firms.
  • Resource exploitation is very low when yearly sales are considered, business volume must be greatly increased. This metric is normally tied to the industry where the firm belongs. It's still somewhat worse than peer companies.

Valuation score: 10.0

  • American National Group, Inc. has an unknown adjusted Price-to-Earnings ratio, so we cannot comment on that. It happens to be a necessary comparison against competitors.
  • Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains a slight improvement compared to peers.
  • There is insufficient information on the genuine funds generation capability showed in the past twelve months, which stands as an incognita in relation to similar companies.
  • Unfortunately, lack of enough yearly data impaired our ability to estimate the normal earnings power. It's still an unknown variable to measure against industry firms.
  • A conclusion regarding usual company rewards to stockholders was impossible to reach with data available. It came up also not enough to relate to peer ventures.
  • We are unsure on the relationship between net financial position and market capitalization of the stock. It looks we will not be able to reach a conclusion regarding similar enterprises.
  • Considering the past twelve months, traditional Price-to-Earnings relation looks extremely cheap. Possible reasons are that the market might be betting current earnings will be very hard to sustain through time, or that the company has very high fund needs, a weak financial position, or that earnings aren't representative. If that isn't the case, the stock price could be extremely attractive. It ranks similar to peer companies.
  • Comparing the current stock price with the past twelve-months revenues gives a very low relationship. One common cause includes profitability being very poor. It looks lacking compared to rival firms.
  • The stock price is significantly below the accounting book value. Unless profitability is extremely low, the stock may be selling at a large discount. Pay attention to the other key indicators for hints. The company remains somewhat better than peer firms.
  • We could not gauge an alternative metric of earnings power of the past twelve months. It happens to be an interesting metric to relate to industry peers.
  • An alternate metric on the usual genuine-funds generation ability could not be provided. It's still unknown against peer companies.

Total score: 6.9


ANAT logos

Company at a glance: American National Group, Inc. (ANAT)

Sector, industry: Financial Services, Insurance—Diversified

Market Cap: unavailable

Revenues TTM: 4.30 billions

American National Group, Inc., together with its subsidiaries, provides life insurance, annuities, property and casualty insurance, health insurance, credit insurance, and pension products in the United States, the District of Columbia, and Puerto Rico. It operates through five segments: Life, Annuity, Health, Property and Casualty, and Corporate and Other. The Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. The Annuity segment provides deferred, single premium immediate, and variable annuity products. The Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance products. The Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business, as well as business owners' property and liability, workers' compensation insurance, and other commercial insurance; and specialty markets products comprising collateral or creditor protection insurance, and guaranteed auto protection or guaranteed asset protection insurance. The Corporate and Other segment engages in the investment activities. The company distributes its products through career, multiple-line, and independent agents, as well as direct marketing channels; brokers and financial institutions; managing general underwriters; and multiple-line and managing general agents. American National Group, Inc. was incorporated in 1905 and is headquartered in Galveston, Texas.

Awarener score: 5.0

Conclusion

The higher the Awarener score, the more bang you get for the buck. It measures how much genuine funds the company generates for the stock price paid (could not be estimated), the business stability (Modest) and growth (Modest), and the company's inclination to return cash to the stockholders (unknown).