EMC INSURANCE GROUP INC
Financials · Fire, Marine & Casualty Insurance · IA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | $163.4M | $155.7M | $649.8M | $623.7M | $594.5M | $568.0M |
| Operating income | — | — | — | — | — | — |
| Net income | −$76,000 | $6.8M | $46.2M | $50.2M | $30.0M | $43.5M |
| Total assets | $1.69B | $1.68B | $1.59B | $1.54B | $1.50B | $1.37B |
| Total liabilities | $1.12B | $1.08B | $1.04B | $1.01B | $994.9M | $919.3M |
| Equity | $565.8M | $603.8M | $553.3M | $524.9M | $502.9M | $455.2M |
| EPS (diluted) | — | — | — | — | — | — |
| Shares out. | 21.5M | 21.3M | 20.8M | 13.6M | 13.3M | 13.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- −0.0%
- Return on equity
- −0.0%
- Return on assets
- −0.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 66.4%
- Debt / equity
- 1.98×
- Book value / share
- $26.30
- Revenue growth (YoY)
- 4.9%
- Net income growth (YoY)
- −101.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2018- Accruals / assets
- −4.3%clean
- Piotroski F-Score
- 3/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- Reported a net loss
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Shareholder vote · Other material eventSep 19, 2019
- Regulation FD disclosureAug 15, 2019
- Other material eventAug 8, 2019
- Results of operations · Regulation FD disclosureAug 8, 2019
- Regulation FD disclosureJul 10, 2019
- Regulation FD disclosureMay 23, 2019
- Results of operations · Regulation FD disclosureMay 9, 2019
- Entered a material agreement · Amended charter or bylaws · Regulation FD disclosureMay 9, 2019
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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