NasdaqGS:ANAT

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Executive Summary

American National Group, Inc. provides life insurance, annuities, property and casualty insurance, health insurance, credit insurance, and pension products in the United States, the District of Columbia, and Puerto Rico. More Details


Snowflake Analysis

Undervalued established dividend payer.


Similar Companies

Share Price & News

How has American National Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: ANAT has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-3.0%

ANAT

-2.4%

US Insurance

-1.2%

US Market


1 Year Return

-41.0%

ANAT

-13.5%

US Insurance

19.5%

US Market

Return vs Industry: ANAT underperformed the US Insurance industry which returned -13.5% over the past year.

Return vs Market: ANAT underperformed the US Market which returned 19.5% over the past year.


Shareholder returns

ANATIndustryMarket
7 Day-3.0%-2.4%-1.2%
30 Day-2.5%1.8%5.8%
90 Day-4.8%0.2%8.1%
1 Year-38.8%-41.0%-11.1%-13.5%22.3%19.5%
3 Year-37.3%-42.7%0.2%-7.0%43.6%34.0%
5 Year-22.5%-33.0%37.6%20.2%87.3%66.1%

Price Volatility Vs. Market

How volatile is American National Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is American National Group undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: ANAT ($68.92) is trading below our estimate of fair value ($217.63)

Significantly Below Fair Value: ANAT is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: ANAT is good value based on its PE Ratio (13.1x) compared to the US Insurance industry average (14.7x).

PE vs Market: ANAT is good value based on its PE Ratio (13.1x) compared to the US market (19x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ANAT's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: ANAT is good value based on its PB Ratio (0.3x) compared to the US Insurance industry average (0.9x).


Next Steps

Future Growth

How is American National Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

25.8%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as American National Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has American National Group performed over the past 5 years?

14.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: ANAT has high quality earnings.

Growing Profit Margin: ANAT's current net profit margins (4.3%) are lower than last year (10.9%).


Past Earnings Growth Analysis

Earnings Trend: ANAT's earnings have grown by 14% per year over the past 5 years.

Accelerating Growth: ANAT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ANAT had negative earnings growth (-64.5%) over the past year, making it difficult to compare to the Insurance industry average (-3.3%).


Return on Equity

High ROE: ANAT's Return on Equity (2.8%) is considered low.


Next Steps

Financial Health

How is American National Group's financial position?


Financial Position Analysis

Short Term Liabilities: ANAT's short term assets ($1.8B) do not cover its short term liabilities ($3.1B).

Long Term Liabilities: ANAT's short term assets ($1.8B) do not cover its long term liabilities ($19.2B).


Debt to Equity History and Analysis

Debt Level: ANAT's debt to equity ratio (2.5%) is considered satisfactory.

Reducing Debt: ANAT's debt to equity ratio has reduced from 2.6% to 2.5% over the past 5 years.

Debt Coverage: ANAT's debt is well covered by operating cash flow (315.6%).

Interest Coverage: Insufficient data to determine if ANAT's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is American National Group current dividend yield, its reliability and sustainability?

4.76%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: ANAT's dividend (4.76%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: ANAT's dividend (4.76%) is in the top 25% of dividend payers in the US market (4.66%)


Stability and Growth of Payments

Stable Dividend: ANAT's dividends per share have been stable in the past 10 years.

Growing Dividend: ANAT's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (62.2%), ANAT's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

11.5yrs

Average management tenure


CEO

Jim Pozzi (69 yo)

5.42yrs

Tenure

US$7,850,440

Compensation

Mr. James E. Pozzi has been the President of American National Insurance Company (formerly known as American National Group Inc). since May 1, 2012 and has been its Chief Executive Officer since May 1, 201 ...


CEO Compensation Analysis

Compensation vs Market: Jim's total compensation ($USD7.85M) is above average for companies of similar size in the US market ($USD4.44M).

Compensation vs Earnings: Jim's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
James Pozzi
President5.42yrsUS$7.85m0.081%
$ 1.5m
Timothy Walsh
Executive VP of Multiple Line and P&C Operations3.17yrsUS$1.32m0.026%
$ 480.0k
Johnny Johnson
Executive VP8.75yrsUS$1.05m0.013%
$ 249.0k
David Behrens
Executive Vice President of Independent Marketing Group21.75yrsUS$2.06m0.0067%
$ 123.6k
Hoyt Strickland
Executive Vice President of Career Sales & Service Division11.5yrsUS$1.07m0.015%
$ 282.9k
Anne LeMire
Senior VP & Chief Securities Investment Officer2.75yrsno datano data
Dwain Akins
Senior VP of Corporate Relations & Chief Corporate Compliance Officer14.75yrsno datano data
Carol Kratz
Assistant Vice President of Human Resources22.58yrsno datano data
Bruce LePard
Senior VP & Chief Human Resources Officer14.75yrsno datano data
Bernard Gerwel
Senior VP & Chief Innovation Officer14.75yrsno datano data
Bradley Manning
Senior Vice President of Life Claims & Customer Contact Centerno datano datano data
Meredith Mitchell
Senior Vice President of Application Development & Support6yrsno datano data

11.5yrs

Average Tenure

63yo

Average Age

Experienced Management: ANAT's management team is seasoned and experienced (11.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
James Pozzi
President5.42yrsUS$7.85m0.081%
$ 1.5m
Ross Moody
Chairman of the Board3.5yrsUS$158.14k0.010%
$ 192.3k
James Payne
Independent Director5.67yrsUS$215.52k0.0044%
$ 81.9k
Irwin Herz
Director2.25yrsUS$187.60k0.072%
$ 1.3m
R. Lucas
Advisory Director16.75yrsUS$151.89k0.033%
$ 603.1k
Erle McLeod
Independent Director2.25yrsUS$176.21k0.077%
$ 1.4m
Frances Moody-Dahlberg
Director33.5yrsUS$261.28k0.012%
$ 219.7k
Russell Moody
Advisory Director4.75yrsUS$210.62k0.024%
$ 452.2k
Arthur Dummer
Independent Director16.5yrsUS$231.28k0.024%
$ 435.9k
Elvin Pederson
Independent Director6.5yrsUS$218.76k0.0086%
$ 158.6k
James Yarbrough
Independent Director19.75yrsUS$253.37k0.049%
$ 913.2k
William Ansell
Independent Director5.67yrsUS$186.23k0.30%
$ 5.6m

6.1yrs

Average Tenure

71yo

Average Age

Experienced Board: ANAT's board of directors are considered experienced (6.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

American National Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: American National Group, Inc.
  • Ticker: ANAT
  • Exchange: NasdaqGS
  • Founded: 1905
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: US$1.852b
  • Shares outstanding: 26.88m
  • Website: https://www.americannational.com

Number of Employees


Location

  • American National Group, Inc.
  • One Moody Plaza
  • Galveston
  • Texas
  • 77550-7999
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ANATNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDJan 1969
AHKDB (Deutsche Boerse AG)YesCommon StockDEEURJan 1969

Biography

American National Group, Inc. provides life insurance, annuities, property and casualty insurance, health insurance, credit insurance, and pension products in the United States, the District of Columbia, a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/20 00:49
End of Day Share Price2020/10/19 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.