AMERICAN NATIONAL INSURANCE CO
Financials · Life Insurance · TX · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | |
|---|---|---|---|---|---|---|
| Revenue | $2.18B | $2.23B | $2.07B | $765.0M | $3.02B | $3.05B |
| Operating income | — | — | — | — | — | — |
| Net income | $258.2M | $18.8M | $39.8M | $29.3M | $243.0M | $245.3M |
| Total assets | $28.60B | $26.91B | $26.39B | $24.53B | $23.77B | $23.57B |
| Total liabilities | $22.60B | $21.64B | $21.13B | $19.87B | $19.30B | $19.13B |
| Equity | $5.99B | $5.26B | $5.25B | $4.65B | $4.45B | $4.43B |
| EPS (diluted) | $9.60 | $0.70 | $1.48 | $1.09 | $9.02 | $9.11 |
| Shares out. | 26.9M | 26.9M | 26.9M | 26.9M | 26.9M | 26.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2019- Operating margin
- —
- Net margin
- 11.8%
- Return on equity
- 4.3%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 79.0%
- Debt / equity
- 3.77×
- Book value / share
- $222.79
- Revenue growth (YoY)
- −2.0%
- Net income growth (YoY)
- 1275.2%
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 · FY2019- Accruals / assets
- −0.9%clean
- Piotroski F-Score
- 6/7mixed
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. What these scores mean →
Signs
● 1 severe● 2 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- 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-Kmissed a reporting deadline ↗Mar 1, 2017
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.
Material events
SEC Form 8-K · most recent- Entered a material agreement · Delisting / listing-standard notice · Modified shareholder rights · Director / officer change · Other material eventJul 2, 2020
- Results of operationsMay 5, 2020
- Item 5.05 · Shareholder voteApr 29, 2020
- Results of operationsFeb 26, 2020
- Director / officer change · Other material eventFeb 26, 2020
- Entered a material agreementFeb 12, 2020
- Results of operationsNov 4, 2019
- Changed auditorAug 29, 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 (1)
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