NAVIGATORS GROUP INC
Financials · Fire, Marine & Casualty Insurance · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | $344.2M | $308.6M | $1.20B | $1.06B | $1.02B | $917.6M |
| Operating income | — | — | — | — | — | — |
| Net income | $30.9M | $21.1M | $82.7M | $81.1M | $95.3M | $63.5M |
| Total assets | $5.60B | $5.22B | $4.81B | $4.58B | $4.48B | $4.17B |
| Total liabilities | $4.42B | $4.00B | $3.64B | $3.49B | $3.45B | $3.27B |
| Equity | $1.19B | $1.23B | $1.18B | $1.10B | $1.03B | $902.2M |
| EPS (diluted) | $1.02 | $0.70 | $2.75 | $2.73 | $3.25 | $4.42 |
| Shares out. | 29.5M | 29.2M | 14.4M | 14.3M | 14.2M | 14.1M |
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
- 9.0%
- Return on equity
- 2.6%
- Return on assets
- 0.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 78.8%
- Debt / equity
- 3.72×
- Book value / share
- $40.19
- Revenue growth (YoY)
- 11.5%
- Net income growth (YoY)
- 46.3%
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
- −5.6%clean
- Piotroski F-Score
- 5/7mixed
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
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- 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.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 18, 1999
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Tizzio Vincent COfficer — Senior Vice President | May 23, 2019 | D | 26,016 | $70.00 |
| Sprott ColinOfficer — CUO, Navigators Int'l (sub) | May 23, 2019 | D | 11,994 | $70.00 |
| Saunders Jeff LOfficer — President,Navg Specialty(Div) | May 23, 2019 | D | 28,022 | $70.00 |
| Miner Emily B.Officer — SVP, General Counsel | May 23, 2019 | D | 16,641 | $70.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
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 bylawsMay 23, 2019
- Other material eventMay 16, 2019
- Other material eventMay 16, 2019
- Other material eventMay 1, 2019
- Director / officer changeMar 12, 2019
- Other material eventFeb 15, 2019
- Director / officer changeFeb 8, 2019
- Shareholder vote · Other material eventNov 16, 2018
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 ↗- SC 13G/AJun 7, 2019
- 15-12GJun 3, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
- 4FORM 4 SUBMISSIONMay 23, 2019
Event-driven situations (1)
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