AmTrust Financial Services, Inc. - AFSIN

AFSIN Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
AFSIN	0	-0.3	2.1	1.4	5.4	13.1	-22.0	-19.9	-45.1	-45.1
S&P 500	-1.2	-1.6	1.1	6.1	10.8	30.6	25.6	88.4	188.1	33198.4

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Returns Charts ⓘ

Interactive Price Chart

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Real-time Full Quote

Attribute	Value
symbol	AFSIN
name	AmTrust Financial Services, Inc.
price	13.81
changes percentage	0
change	0
day low	13.81
day high	13.90
year high	17
year low	11.40
market cap	2723428173
price avg 50	13.56
price avg 200	13.19
exchange	PNK
volume	2543
avg volume	2671
open	13.90
previous close	None
eps	0.98
pe	14.14
earnings announcement	None
shares outstanding	197206964
timestamp	2024-11-14 20:00:00

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 50.0%

Overall Quarterly Financial Health: 46.3%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2022	2021	Y/Y change %
0000000000
revenue	0	0	NaN
gross profit	0	0	NaN
gross profit ratio	0	0	NaN
research and development expenses	0	0	NaN
operating expenses	0	0	NaN
interest income	0	0	NaN
interest expense	0	0	NaN
ebitda	0	0	NaN
ebitdaratio	0	0	NaN
operating income	0	0	NaN
operating income ratio	0	0	NaN
net income	0	0	NaN
net income ratio	0	0	NaN
eps	0	0	NaN

Overall Score of Annual Income Statement

0.5 out of 1

Detailed Analysis

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2018Q3	2018Q2	Q/Q change %
0000000000
revenue	1584500000	1395100000	13.58
gross profit	1584500000	1395100000	13.58
gross profit ratio	1	1	0.00
research and development expenses	0	0	NaN
operating expenses	1631199	1486300	9.75
interest income	1200000	1200000	0.00
interest expense	24100000	23100000	4.33
ebitda	-37600000	-79400000	52.64
ebitdaratio	-0.06	-0.07	16.11
operating income	-96800000	-101600000	4.72
operating income ratio	-0.06	-0.07	16.11
net income	-67900000	-99700000	31.90
net income ratio	-0.04	-0.07	40.04
eps	-345.53	-506.35	31.76

Overall Score of Quarterly Income Statement

0.57 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 1,584 million in 2018Q3 from 1,395 million in 2018Q2 representing a change of 13.58%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 1,584 million in 2018Q3 from 1,395 million in 2018Q2 representing a change of 13.58%. This indicates a sales profitability growth, which is a positive sign for the company.

  Operating Income: Operating income increased to -97 million in 2018Q3 from -102 million in 2018Q2 representing a change of 4.72%. The increase in operating income indicates better operational performance and increased profitability.

  Earnings per Share (EPS): EPS increased to -345.53 in 2018Q3 from -345.53 in 2018Q2 representing a change of 31.76%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

• 📉 Negative Indicators

  Operating Expenses: Operating Expenses increased to 2 million in 2018Q3 from 1 million in 2018Q2 representing a change of 9.75%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -38 million in 2018Q3 from -79 million in 2018Q2 representing a change of 52.64%. The decrease in EBITDA indicates declined operational efficiency and profitability.

  Net Income: Net income decreased to -68 million in 2018Q3 from -100 million in 2018Q2 representing a change of 31.9%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2022	2021	Y/Y change %
0000000000
total assets	0	0	NaN
total liabilities	0	0	NaN
total equity	0	0	NaN
cash and cash equivalents	0	0	NaN
short term investments	0	0	NaN
long term investments	0	0	NaN
total current assets	0	0	NaN
total non current assets	0	0	NaN
total current liabilities	0	0	NaN
total non current liabilities	0	0	NaN
common stock	0	0	NaN
retained earnings	0	0	NaN
total debt	0	0	NaN

Overall Score of Annual Balance Sheet

0.5 out of 1

Detailed Analysis

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2018Q3	2018Q2	Q/Q change %
0000000000
total assets	25689900000	25761300000	-0.28
total liabilities	22230700000	22160200000	0.32
total equity	3459200000	3601100000	-3.94
cash and cash equivalents	554900000	668800000	-17.03
short term investments	198000000	169700000	16.68
long term investments	8837200000	8751100000	0.98
total current assets	10033800000	10093800000	-0.59
total non current assets	10097600000	10052300000	0.45
total current liabilities	894800000	1028400000	-12.99
total non current liabilities	1804300000	1801200000	0.17
common stock	2100000	2100000	0.00
retained earnings	1289300000	1373800000	-6.15
total debt	1493000000	1483300000	0.65

Overall Score of Quarterly Balance Sheet

0.22 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Total Assets: Total Assets decreased to 25,690 million in 2018Q3 from 25,761 million in 2018Q2 representing a change of -0.28%. Suggesting a decrease in asset holdings.

  Total Liabilities: Total Liabilities increased to 22,231 million in 2018Q3 from 22,160 million in 2018Q2 representing a change of 0.32%. This indicates an increase in overall liabilities.

  Total Equity: Total Equity decreased to 3,459 million in 2018Q3 from 3,601 million in 2018Q2 representing a change of -3.94%. This indicates a decrease in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 555 million in 2018Q3 from 669 million in 2018Q2 representing a change of -17.03%. This indicates a decrease in available liquid assets.

  Total Current Assets: Total Current Assets decreased to 10,034 million in 2018Q3 from 10,094 million in 2018Q2 representing a change of -0.59%. This indicates a worsen liquidity position.

  Retained Earnings: Retained Earnings decreased to 1,289 million in 2018Q3 from 1,374 million in 2018Q2 representing a change of -6.15%. This indicates an accumulated losses.

  Total Debt: Total Debt increased to 1,493 million in 2018Q3 from 1,483 million in 2018Q2 representing a change of 0.65%. This indicates an increase in overall debt burden.

• 📈 Positive Indicators

  Short Term Investments: Short Term Investments increased to 198 million in 2018Q3 from 170 million in 2018Q2 representing a change of 16.68%. This indicates an increase in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities decreased to 895 million in 2018Q3 from 1,028 million in 2018Q2 representing a change of -12.99%. This indicates a lower short-term debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2022	2021	Y/Y change %
0000000000
net change in cash	0	0	NaN
operating cash flow	0	0	NaN
free cash flow	0	0	NaN
capital expenditure	0	0	NaN
depreciation and amortization	0	0	NaN
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	0	0	NaN
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	0	0	NaN
net cash used provided by financing activities	0	0	NaN
cash at end of period	0	0	NaN
accounts receivables	0	0	NaN
cash at beginning of period	0	0	NaN

Overall Score of Annual Cashflow Statement

0.5 out of 1

Detailed Analysis

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2018Q3	2018Q2	Q/Q change %
0000000000
operating cash flow	35800000	27900000	28.32
free cash flow	43600000	25600000	70.31
capital expenditure	7800000	-2300000	439.13
depreciation and amortization	0	0	NaN
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts receivables	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	-541200000	538300000	-200.54
investments in property plant and equipment	7800000	-2300000	439.13
net cash used for investing activites	-258600000	12200000	-2,219.67
debt repayment	5300000	11300000	-53.10
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	-16600000	-49900000	66.73
net cash used provided by financing activities	8200000	60300000	-86.40
net change in cash	-207100000	64000000	-423.59
cash at end of period	993900000	1201000000	-17.24
cash at beginning of period	1201000000	1137000000	5.63

Overall Score of Quarterly Cashflow Statement

0.6 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Net Change in Cash: Net Change in Cash decreased to -207 million in 2018Q3 from 64 million in 2018Q2 representing a change of -423.59%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.

  Capital Expenditure: Capital Expenditure increased to 8 million in 2018Q3 from -2 million in 2018Q2 representing a change of 439.13%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.

• 📈 Positive Indicators

  Operating Cash Flow: Operating Cash Flow increased to 36 million in 2018Q3 from 28 million in 2018Q2 representing a change of 28.32%. This indicates that the company generated more cash from its core business operations.

  Free Cash Flow: Free Cash Flow increased to 44 million in 2018Q3 from 26 million in 2018Q2 representing a change of 70.31%. This indicates an increase in cash generated after accounting for capital expenditures.

  Dividends Paid: Dividends Paid increased to -17 million in 2018Q3 from -50 million in 2018Q2 representing a change of 66.73%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2022-12-31	2021-12-31	Y/Y change %
FY
calendar year	2022	2021	NaN
revenue per share	0	0	NaN
net income per share	0	0	NaN
operating cash flow per share	0	0	NaN
free cash flow per share	0	0	NaN
cash per share	0	0	NaN
book value per share	0	0	NaN
tangible book value per share	0	0	NaN
shareholders equity per share	0	0	NaN
interest debt per share	0	0	NaN
market cap	0	0	NaN
enterprise value	0	0	NaN
pe ratio	0	0	NaN
price to sales ratio	0	0	NaN
pocfratio	0	0	NaN
pfcf ratio	0	0	NaN
pb ratio	0	0	NaN
ptb ratio	0	0	NaN
ev to sales	0	0	NaN
enterprise value over ebitda	0	0	NaN
ev to operating cash flow	0	0	NaN
ev to free cash flow	0	0	NaN
earnings yield	None	None	NaN
free cash flow yield	0	0	NaN
debt to equity	0	0	NaN
debt to assets	0	0	NaN
net debt to ebitda	0	0	NaN
current ratio	0	0	NaN
interest coverage	0	0	NaN
income quality	0	0	NaN
dividend yield	None	None	NaN
payout ratio	0	0	NaN
sales general and administrative to revenue	0	0	NaN
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0	0	NaN
capex to operating cash flow	0	0	NaN
capex to revenue	0	0	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	0	0	NaN
graham number	0	0	NaN
roic	0	0	NaN
return on tangible assets	0	0	NaN
graham net net	0	0	NaN
working capital	0	0	NaN
tangible asset value	0	0	NaN
net current asset value	0	0	NaN
invested capital	0	0	NaN
average receivables	0	0	NaN
average payables	0	0	NaN
average inventory	0	0	NaN
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0	0	NaN
capex per share	0	0	NaN

• Quarterly Financial Ratios

	2018-09-30 Q3	2018-06-30 Q2	Q/Q change %
AFSIN
calendar year	2018	2018	NaN
revenue per share	8063.16	7085.32	13.80
net income per share	-345.53	-506.35	31.76
operating cash flow per share	182.18	141.7	28.57
free cash flow per share	221.87	130.02	70.65
cash per share	3831.34	4258.51	-10.03
book value per share	17603.09	18288.98	-3.75
tangible book value per share	13254.73	13819.2	-4.08
shareholders equity per share	17324.73	17996.95	-3.74
interest debt per share	7720.18	7650.58	0.91
market cap	3205094.41	3904527.0	-17.91
enterprise value	941305094.41	818404527	15.02
pe ratio	-0.01	-0.01	-20.53
price to sales ratio	0.0	0.0	-27.73
pocfratio	0.09	0.14	-36.03
pfcf ratio	0.07	0.15	-51.80
pb ratio	0.0	0.0	-14.56
ptb ratio	0.0	0.0	-14.56
ev to sales	0.59	0.59	1.27
enterprise value over ebitda	-25.03	-10.31	-142.88
ev to operating cash flow	26.29	29.33	-10.36
ev to free cash flow	21.59	31.97	-32.47
earnings yield	-21.19	-25.53	17.03
free cash flow yield	13.6	6.56	107.48
debt to equity	0.44	0.42	4.77
debt to assets	0.06	0.06	0.93
net debt to ebitda	-24.95	-10.26	-143.22
current ratio	11.21	9.82	14.25
interest coverage	-4.02	-4.4	8.68
income quality	-527.25	-279.84	-88.41
dividend yield	5.18	12.78	-59.47
payout ratio	-0.24	-0.5	51.15
sales general and administrative to revenue	0	0	NaN
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0.03	0.03	-2.64
capex to operating cash flow	0.22	0.08	164.29
capex to revenue	0.0	0.0	198.59
capex to depreciation	0	0	NaN
stock based compensation to revenue	0	0	NaN
graham number	11605.56	14319.09	-18.95
roic	-0.01	-0.02	34.10
return on tangible assets	-0.0	-0.0	31.77
graham net net	-109295.66	-108286.95	-0.93
working capital	9139000000	9065400000	0.81
tangible asset value	2604700000	2721000000	-4.27
net current asset value	-12196900000	-12066400000	-1.08
invested capital	10399400000	10366600000	0.32
average receivables	0	0	NaN
average payables	896600000	868800000	3.20
average inventory	0	0	NaN
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	-0.02	-0.03	29.11
capex per share	39.69	11.68	239.80

• Negative

  ROE: Return on Equity (ROE) increased to -0.02 on 2018-09-30 Q3 from -0.03 on 2018-06-30 Q2, representing a change of 29.11%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.

  Current Ratio: Current Ratio increased to 11.21 on 2018-09-30 Q3 from 9.82 on 2018-06-30 Q2, representing a change of 14.25%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to -0.01 on 2018-09-30 Q3 from -0.01 on 2018-06-30 Q2, representing a change of -20.53%. Indicating an increase in the relative valuation of the company's stock.

• Neutral

  Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 0.44 on 2018-09-30 Q3 from 0.42 on 2018-06-30 Q2, representing a change of 4.77%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. Higher leverage may increase financial risk. However, a ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

None