Investors Heritage Capital Corp
Financials · Life Insurance · KY · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | |
|---|---|---|---|---|---|---|
| Revenue | $65.6M | $68.2M | $70.9M | $80.1M | $70.4M | $158.4M |
| Operating income | — | — | — | — | — | — |
| Net income | $2.7M | $1.0M | $1.3M | $1.8M | $2.1M | $552,129 |
| Total assets | $579.4M | $570.0M | $585.2M | $563.6M | $576.0M | $551.8M |
| Total liabilities | $523.2M | $520.8M | $524.7M | $510.0M | $507.8M | $494.2M |
| Equity | $56.2M | $49.3M | $60.5M | $53.6M | $68.2M | $57.7M |
| EPS (diluted) | — | — | — | — | — | — |
| Shares out. | 1.1M | 1.1M | 1.1M | 1.1M | 1.2M | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2016- Operating margin
- —
- Net margin
- 4.1%
- Return on equity
- 4.7%
- Return on assets
- 0.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.3%
- Debt / equity
- 9.31×
- Book value / share
- $50.27
- Revenue growth (YoY)
- −3.8%
- Net income growth (YoY)
- 156.7%
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 · FY2016- Accruals / assets
- 6.7%moderate
- Piotroski F-Score
- 4/7mixed
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.
Signs
● 3 warning● 0 good- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
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- Shareholder voteFeb 16, 2018
- Entered a material agreement · Regulation FD disclosureOct 27, 2017
- Shareholder voteMay 15, 2017
- Shareholder voteMay 16, 2016
- Shareholder voteMay 18, 2015
- Shareholder voteMay 13, 2014
- Director / officer changeAug 14, 2013
- Director / officer change · Amended charter or bylaws · Shareholder voteMay 10, 2013
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 ↗- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 6, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
- 4PRIMARY DOCUMENTMar 5, 2018
Event-driven situations (1)
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