| Company Name: | 21st Century Insurance Group | | Ticker Symbol: | TW | | | WWW Address: | www.21st.com | | CEO: | Bruce W. Marlow | | No. of Employees: | 2,900 | | Common Issue Type: | CS | | Business Description: | The Company is an insurance holding company registered on the New York Stock Exchange.
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| | | Industry Information: | INSURANCE - Property & Casualty Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | |  | - | - | 0 | 22.01 | 21.98 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 1,939.7 | 88.1 | 1.29 | 1.12 | 0.32 | 21.8 | 2.9 | 22.70 - 14.63 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 22.01 | $ | | PE Ratio - LTM | 21.8 | |
| Market Capitalisation | 1,939.7 | mil |
| Latest Shares Outstanding | 88.1 | mil |
| Earnings pS (EPS) | 1.12 | $ |
| Dividend pS (DPS) | 0.32 | ¢ |
| Dividend Yield | 2.9 | % |
| Dividend Payout Ratio | 29 | % |
| Revenue per Employee | 474,237 | $ |
| Effective Tax Rate | 31.3 | % |
| Float | 85.8 | mil |
| Float as % of Shares Outstanding | 97.4 | % |
| 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 | 9.6 | % |
| Pre-Tax Profit Margin | 9.1 | % |
| Assets Turnover | 0.7 | % |
| Return on Assets (ROA) | 4.5 | % |
| Return on Equity (ROE) | 9.5 | % |
| Return on Capital Invested (ROCI) | 8.5 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 2.1 | |
| Interest Cover | 19.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.12 | |
| LT Debt/Total Capital | 10.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 10.58 | $ |
| Tangible Book-Value pS | 10.58 | $ |
| Cash Flow pS | 1.01 | $ |
| Free Cash Flow pS | 0.24 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 2.08 | |
| Price/Tangible Book Ratio | 2.08 | |
| Price/Cash Flow | 21.8 | |
| Price/Free Cash Flow | 91.7 | |
| P/E as % of Industry Group | 335.0 | % |
| P/E as % of Sector Segment | 519.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 0.64 |
| Current Dividend Yield | 2.9 |
| 5-Y Average Dividend Yield | 1.2 |
| Payout Ratio | 29.0 |
| 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 | - | - | - | 0.1 | 100 | 1,513 | 4,887 |
| 4 Weeks | 22.14 | 21.93 | 22.01 | 0.0 | 97 | 1,554 | 29,517 |
| 13 Weeks | 22.70 | 21.80 | 21.86 | 0.7 | 99 | 2,050 | 129,129 |
| 26 Weeks | 22.70 | 20.72 | 21.20 | 3.8 | 97 | 1,988 | 250,455 |
| 52 Weeks | 22.70 | 14.63 | 14.95 | 47.2 | 129 | 1,781 | 445,237 |
| YTD | 22.70 | 16.10 | - | 24.7 | 116 | 2,090 | 390,855 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 21.99 | 22.02 | 21.97 | 21.60 | 20.94 | 1.29 | 0.76 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 7.77 | 72.7 | 0.73 |
| Income | 0.00 | 0.0 | 4.37 |
| Dividend | 12.92 | 14.4 | 57.65 |
| Capital Spending | -1.04 | NA | 10.78 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 10.05 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 1.9 | 2.7 | -3.1 |
| Earnings % | -17.0 | -19.4 | 11.2 |
| EPS % | -19.3 | -24.2 | 9.8 |
| EPS $ | -0.11 | -0.08 | 0.10 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 4.05 |
| Free Cash Flow Margin 5YEAR AVG | 7.82 |
| Cash-Flow pS | 1.35 |
| Free Cash-Flow pS | 0.64 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 2.17 |
| Debt Ratio | 53.96 |
| Total Debt/Equity (Gearing Ratio) | 0.13 |
| LT Debt/Equity | 0.13 |
| LT Debt/Capital Invested | 11.42 |
| LT Debt/Total Liabilities | 11.00 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.29 |
| Tobin's Q Ratio | 1.00 |
| Current P/E Ratio - LTM | 21.80 |
| Enterprise Value (EV)/EBITDA | 0.14 |
| Enterprise Value (EV)/Free Cash Flow | 11.31 |
| Dividend Yield | 2.9 |
| Price/Tangible Book Ratio - LTM | 2.08 |
| Price/Book Ratio - LTM | 2.08 |
| Price/Cash Flow Ratio | 21.8 |
| Price/Free Cash Flow Ratio - LTM | 91.7 |
| P/E Ratio (1 month ago) - LTM | 21.8 |
| P/E Ratio (26 weeks ago) - LTM | 18.9 |
| P/E Ratio (52 weeks ago) - LTM | 13.2 |
| 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 | 335.0 |
| P/E as % of Sector Segment | 519.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 21.8 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 10.58 |
| Book Value pS - LTM | 10.58 |
| Capital Invested pS | 11.51 |
| Cash Flow pS - LTM | 1.01 |
| Free Cash Flow pS - LTM | 0.24 |
| Earnings pS (EPS) | 1.12 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 10.82 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.1 |
| Return on Capital Invested (ROCI) | 9.58 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.1 |
| Return on Assets (ROA) | 4.98 |
| Return on Assets (ROA) - 5YEAR AVRG. | 3.5 |
| EBIT Margin - LTM | 9.6 |
| EBITDA Margin - LTM | 9.6 |
| Pre-Tax Profit Margin | 10.29 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 6.24 |
| Net Profit Margin | 7.07 |
| Net Profit Margin - 5YEAR AVRG. | 4.53 |
| Effective Tax Rate | 31.26 |
| Effective Tax Rate - 5YEAR AVRG. | 33.55 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 478,832 |
| Net Income per Employee - LTM | 30,611 |
| Assets/Revenue - LTM | 142.86 |
| Assets/Revenue - 5YEAR AVRG. | 140.23 |
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