| Company Name: | Penn Treaty American Corporation | | Ticker Symbol: | PTA | | | WWW Address: | www.pentreaty.com | | CEO: | William W. Hunt, Jr. | | No. of Employees: | 322 | | Common Issue Type: | CS | | Business Description: | The Company is a provider of long-term care insurance and its products are individual, defined benefit accident and health insurance policies covering long-term care services.
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| | | Industry Information: | INSURANCE - Accident & Health Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 1.32 |  0.0 | - | - | 0 | 1.41 | 1.13 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 30.8 | 23.3 | 0.77 | -1.42 | 0.00 | 0.0 | 0.0 | 6.75 - 1.13 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 1.32 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 30.7 | mil |
| Latest Shares Outstanding | 23.3 | mil |
| Earnings pS (EPS) | -1.42 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 1,136,568 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 22.6 | mil |
| Float as % of Shares Outstanding | 97.2 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | -13.5 | % |
| Pre-Tax Profit Margin | -13.9 | % |
| Assets Turnover | 0.3 | % |
| Return on Assets (ROA) | -2.5 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -16.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 6.3 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.00 | |
| LT Debt/Total Capital | 0.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 8.91 | $ |
| Tangible Book-Value pS | 8.61 | $ |
| Cash Flow pS | -1.42 | $ |
| Free Cash Flow pS | 0.27 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.15 | |
| Price/Tangible Book Ratio | 0.15 | |
| Price/Cash Flow | -0.9 | |
| Price/Free Cash Flow | 4.9 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -12.0 | 97 | 564 | 3,390 |
| 4 Weeks | 3.00 | 1.13 | 2.09 | -36.8 | 71 | 580 | 11,608 |
| 13 Weeks | 4.75 | 1.13 | 4.64 | -71.6 | 33 | 828 | 52,995 |
| 26 Weeks | 5.33 | 1.13 | 5.29 | -75.0 | 31 | 646 | 82,094 |
| 52 Weeks | 6.75 | 1.13 | 5.91 | -77.7 | 32 | 586 | 147,065 |
| YTD | 6.49 | 1.13 | - | -79.7 | 27 | 576 | 110,499 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 1.42 | 1.47 | 2.69 | 4.18 | 4.68 | 0.77 | 0.76 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -1.04 | 4.6 | 0.25 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -12.5 | 0.0 | -12.5 |
| Earnings % | 0.0 | 0.0 | 0.0 |
| EPS % | 0.0 | 0.0 | 0.0 |
| EPS $ | -0.57 | 0.00 | -0.57 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 1.73 |
| Free Cash Flow Margin 5YEAR AVG | 7.14 |
| Cash-Flow pS | 0.43 |
| Free Cash-Flow pS | 0.27 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 6.33 |
| Debt Ratio | 84.21 |
| Total Debt/Equity (Gearing Ratio) | 0.00 |
| LT Debt/Equity | 0.00 |
| LT Debt/Capital Invested | 0.00 |
| LT Debt/Total Liabilities | 0.00 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.00 |
| Tobin's Q Ratio | 0.02 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.00 |
| Enterprise Value (EV)/Free Cash Flow | 1.02 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 0.15 |
| Price/Book Ratio - LTM | 0.15 |
| Price/Cash Flow Ratio | -0.9 |
| Price/Free Cash Flow Ratio - LTM | 4.9 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 0.0 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 8.61 |
| Book Value pS - LTM | 8.91 |
| Capital Invested pS | 8.91 |
| Cash Flow pS - LTM | -1.42 |
| Free Cash Flow pS - LTM | 0.27 |
| Earnings pS (EPS) | -1.42 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -15.98 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.0 |
| Return on Capital Invested (ROCI) | -15.98 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | -5.2 |
| Return on Assets (ROA) | -2.52 |
| Return on Assets (ROA) - 5YEAR AVRG. | -1.0 |
| EBIT Margin - LTM | -13.6 |
| EBITDA Margin - LTM | -13.5 |
| Pre-Tax Profit Margin | -13.81 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | -4.42 |
| Net Profit Margin | -9.06 |
| Net Profit Margin - 5YEAR AVRG. | -3.48 |
| Effective Tax Rate | 35.06 |
| Effective Tax Rate - 5YEAR AVRG. | 36.21 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 1,136,568 |
| Net Income per Employee - LTM | -103,006 |
| Assets/Revenue - LTM | 333.33 |
| Assets/Revenue - 5YEAR AVRG. | 303.82 |
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