American National Group Inc.

Earnings Score
Moat Score
Safety Score

Market Cap $1.98B
PE -4
Debt $2.96B
Cash $13.87B
EV -$8.93B
FCF $3.00B

Earnings

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Sales & Net Margins

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Earnings	-$446.91M
EBIT	-$879.65M
ROE	-4%
ROA	-1%
FCF	$3.00B
Equity	$9.98B
Growth Stability	22%
PE	-4.43
PEG	-3.49
PB	0.2
P/FCF	0.66
P/S	0.29
Price/Cash	7.01
Debt/Equity	0.3
Debt/FCF	0.98
Net Margins	1%
Op. Margins	-13%
Earnings CAGR	20%
Sales Growth YoY	652%
Sales Growth QoQ	-28%
Sales CAGR	5%
FCF CAGR	21%
Equity CAGR	10%
Earnings Stability	0.39

Earnings Growth YoY	-171%
Earnings Growth QoQ	-1K%
Earnings CAGR 5Y	1%
Sales CAGR 5Y	6%
FCF CAGR 5Y	20%
Equity CAGR 5Y	-5%
Earnings CAGR 3Y	31%
Sales CAGR 3Y	31%
FCF CAGR 3Y	-10%
Equity CAGR 3Y	11%
Market Cap	$1.98B
Revenue	$6.84B
Assets	$123.66B
Total Debt	$2.96B
Cash	$13.87B
EV	-8.93B
Earnings Score	38%
Moat Score	20%
Safety Score	66%
Final Score	42%
Shares Growth 3y	-4%
Equity Growth QoQ	8%
Equity Growth YoY	381%

Assets & ROA

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Stockholders Equity & ROE

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No description available

SEC Filings

Direct access to American National Group Inc. (ANG-PB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does American National Group Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of American National Group Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 20%

Stability 39%

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American National Group Inc. Discounted Cash Flow

Fully customizable DCF calculator online for American National Group Inc..

Years

Calculation mode

= $127B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$3B	$3.6B	$4.4B	$5.3B	$6.4B	$7.7B	$9.3B	$11B	$13B	$16B	$20B	$196B
DCF		$3.3B	$3.6B	$4B	$4.3B	$4.8B	$5.2B	$5.7B	$6.3B	$6.9B	$7.6B	$76B
Value	$127B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	6%	14%	4%	4%	30%	7%	26%	12%	83%	6%	1%
ROA	-	1%	0%	1%	1%	0%	1%	1%	2%	0%	-1%
ROE	-	11%	4%	6%	19%	5%	10%	7%	37%	5%	-4%

Bad Net Margins (0.5%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	0.38	0.98
Debt over Equity	-	-	-	-	-	-	-	-	-	0.49	0.3
Growth Stability	-	-	-	100%	100%	100%	100%	96%	100%	22%	22%

Good Debt/FCF ratio (0.98)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.3)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (22%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-30%	46%	75%	-60%	124%	-30%	52%	-62%	100%	6%
Earnings YoY growth	-	74%	-62%	110%	162%	-46%	159%	-33%	174%	-86%	1%
Equity YoY growth	-	-9%	18%	24%	-16%	90%	44%	-4%	-50%	-4%	-5%
FCF YoY growth	-	-29%	181%	36%	-98%	9K%	-61%	226%	-52%	94%	20%