Unico American Corporation, through its subsidiaries, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. More Details
Excellent balance sheet and overvalued.
Share Price & News
How has Unico American's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UNAM has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how UNAM performed against the US Insurance industry.
Return vs Market: Insufficient data to determine how UNAM performed against the US Market.
Price Volatility Vs. Market
How volatile is Unico American's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StDon't Ignore The Fact That This Insider Just Sold Some Shares In Unico American Corporation (NASDAQ:UNAM)
4 months ago | Simply Wall StWhat Percentage Of Unico American Corporation (NASDAQ:UNAM) Shares Do Insiders Own?
6 months ago | Simply Wall StDoes Unico American Corporation's (NASDAQ:UNAM) CEO Pay Compare Well With Peers?
Is Unico American undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate UNAM's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate UNAM's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: UNAM is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: UNAM is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate UNAM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: UNAM is good value based on its PB Ratio (0.5x) compared to the US Insurance industry average (0.9x).
How is Unico American forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Unico American 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.
- Examine Unico American's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Explore growth companies in the Insurance industry.
How has Unico American performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNAM is currently unprofitable.
Growing Profit Margin: UNAM is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: UNAM is unprofitable, and losses have increased over the past 5 years at a rate of 15.6% per year.
Accelerating Growth: Unable to compare UNAM's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: UNAM is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-3.2%).
Return on Equity
High ROE: UNAM has a negative Return on Equity (-6.63%), as it is currently unprofitable.
How is Unico American's financial position?
Financial Position Analysis
Short Term Liabilities: UNAM's short term assets ($27.6M) do not cover its short term liabilities ($76.0M).
Long Term Liabilities: UNAM has no long term liabilities.
Debt to Equity History and Analysis
Debt Level: UNAM is debt free.
Reducing Debt: UNAM has not had any debt for past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: UNAM has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: UNAM has sufficient cash runway for 2.4 years if free cash flow continues to reduce at historical rates of 12.6% each year.
What is Unico American current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate UNAM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate UNAM's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if UNAM's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if UNAM's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: UNAM is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of UNAM's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ron Closser (64 yo)
Mr. Ronald Allen Closser, also known as Ron, has been as Interim President, Chief Executive Officer and Acting Chair of the Board at Unico American Corporation since August 10, 2020. Mr. Closser served as ...
|Interim President||0.17yr||no data||no data|
|Director||0.42yr||no data||no data|
|Independent Director||0.58yr||no data||0.038% |
|Director||0.42yr||no data||no data|
|Independent Director||0.58yr||no data||no data|
Experienced Board: UNAM's board of directors are not considered experienced ( 0.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UNAM insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Unico American Corporation's company bio, employee growth, exchange listings and data sources
- Name: Unico American Corporation
- Ticker: UNAM
- Exchange: NasdaqGM
- Founded: 1969
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$28.492m
- Shares outstanding: 5.31m
- Website: https://www.crusaderinsurance.com
Number of Employees
- Unico American Corporation
- 26050 Mureau Road
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UNAM||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Jan 1980|
Unico American Corporation, through its subsidiaries, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington. It provides property, casualty, health, and life in ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/27 00:16|
|End of Day Share Price||2020/10/26 00:00|
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.