Humana Inc. (NYSE:HUM) VP Sells $2,014,266.42 in Stock

Humana Inc. (NYSE:HUM) VP Timothy S. Huval sold 7,803 shares of the firm’s stock in a transaction dated Friday, September 1st. The shares were sold at an average price of $258.14, for a total transaction of $2,014,266.42. Following the sale, the vice president now owns 8,831 shares of the company’s stock, valued at $2,279,634.34. The transaction was disclosed in a document filed with the SEC, which is accessible through this link.

Shares of Humana Inc. (HUM) opened at 240.04 on Wednesday. Humana Inc. has a 12 month low of $163.50 and a 12 month high of $259.76. The company has a 50-day moving average of $250.95 and a 200 day moving average of $232.23. The company has a market cap of $34.69 billion, a PE ratio of 19.75 and a beta of 0.87.

Humana (NYSE:HUM) last issued its earnings results on Wednesday, August 2nd. The insurance provider reported $3.49 earnings per share for the quarter, topping the Thomson Reuters’ consensus estimate of $3.08 by $0.41. Humana had a return on equity of 15.85% and a net margin of 3.37%. The company had revenue of $13.53 billion during the quarter, compared to the consensus estimate of $13.61 billion. During the same quarter in the prior year, the business earned $2.30 earnings per share. On average, analysts anticipate that Humana Inc. will post $11.55 earnings per share for the current year.

The business also recently announced a quarterly dividend, which will be paid on Friday, October 27th. Stockholders of record on Tuesday, August 29th will be given a $0.40 dividend. This represents a $1.60 annualized dividend and a dividend yield of 0.67%. The ex-dividend date is Thursday, September 28th. Humana’s payout ratio is 13.06%.

COPYRIGHT VIOLATION WARNING: “Humana Inc. (NYSE:HUM) VP Sells $2,014,266.42 in Stock” was first reported by The Ledger Gazette and is the property of of The Ledger Gazette. If you are viewing this news story on another publication, it was stolen and reposted in violation of U.S. & international copyright & trademark law. The correct version of this news story can be accessed at https://ledgergazette.com/2017/09/20/timothy-s-huval-sells-7803-shares-of-humana-inc-hum-stock.html.

HUM has been the topic of a number of recent analyst reports. Zacks Investment Research raised shares of Humana from a “hold” rating to a “buy” rating and set a $260.00 price target on the stock in a report on Thursday, June 1st. Argus raised shares of Humana from a “hold” rating to a “buy” rating and set a $260.00 price target on the stock in a report on Friday, June 9th. BidaskClub raised shares of Humana from a “hold” rating to a “buy” rating in a report on Wednesday, June 21st. Citigroup Inc. started coverage on shares of Humana in a report on Wednesday, June 28th. They set a “buy” rating and a $275.00 price target on the stock. Finally, Bank of America Corporation raised their price objective on shares of Humana from $270.00 to $275.00 and gave the stock a “buy” rating in a report on Friday, July 14th. One research analyst has rated the stock with a sell rating, nine have issued a hold rating and thirteen have assigned a buy rating to the company’s stock. Humana presently has a consensus rating of “Buy” and a consensus price target of $244.35.

A number of institutional investors and hedge funds have recently modified their holdings of the stock. Federated Investors Inc. PA boosted its holdings in Humana by 608.1% in the second quarter. Federated Investors Inc. PA now owns 34,626 shares of the insurance provider’s stock valued at $8,331,000 after purchasing an additional 29,736 shares during the last quarter. Teachers Advisors LLC boosted its holdings in Humana by 31.6% in the second quarter. Teachers Advisors LLC now owns 630,835 shares of the insurance provider’s stock valued at $151,792,000 after purchasing an additional 151,603 shares during the last quarter. Prisma Capital Partners LP purchased a new position in Humana in the second quarter valued at about $7,122,000. Cipher Capital LP boosted its holdings in Humana by 7.7% in the second quarter. Cipher Capital LP now owns 9,734 shares of the insurance provider’s stock valued at $2,342,000 after purchasing an additional 698 shares during the last quarter. Finally, Creative Planning boosted its holdings in Humana by 0.3% in the second quarter. Creative Planning now owns 4,874 shares of the insurance provider’s stock valued at $1,173,000 after purchasing an additional 15 shares during the last quarter. 95.12% of the stock is owned by hedge funds and other institutional investors.

About Humana

Humana Inc is a health and well-being company. The Company’s segments include Retail, Group and Specialty, Healthcare Services and Individual Commercial. The Retail segment consists of Medicare benefits, as well as individual commercial fully insured medical and specialty health insurance benefits, including dental, vision, and other supplemental health and financial protection products.

Insider Buying and Selling by Quarter for Humana (NYSE:HUM)

Receive News & Ratings for Humana Inc. Daily – Enter your email address below to receive a concise daily summary of the latest news and analysts’ ratings for Humana Inc. and related companies with MarketBeat.com’s FREE daily email newsletter.

Agricultural Insurance Market – Global Industry Analysis, Size, Share, Growth, Trends and Forecast 2017 – 2022

Wiseguyreports.Com Adds “Agricultural Insurance Market: Demand, Growth, Opportunities and Analysis of Top Key Player Forecast To 2022” To Its Research Database

PUNE, INDIA, September 20, 2017 /EINPresswire.com/ — Global Agricultural Insurance Industry

Latest Report on Agricultural Insurance Market Global Analysis & 2022 Forecast Research Study

WiseGuyReports has announced the addition of a new market intelligence report to its repository titled “Global Agricultural Insurance Market Size, Status and Forecast 2022”. The research report presents a comprehensive overview of market and growth trends of this industry in the coming years.

Try Sample Report @ https://www.wiseguyreports.com/sample-request/2318642-global-agricultural-insurance-market-size-status-and-forecast-2022

“Global Agricultural Insurance Market” market report presents a detail qualitative analysis of the “Global Agricultural Insurance Industry” market and its important classification and forecast for “2022″. The report contains current scenario of the “Global Agricultural Insurance Market ” industry and encompasses discussion various prime factors related to markets such as growth, drive, various patterns, and control.

The report provides in depth study of “Global Agricultural Insurance Industry” using SWOT analysis i.e. Strength, Weakness, Opportunities and Threat to the organization. The report identifies the strength factors of the organization that will help organizations to acquire a prominent market share, to rectify where the organization is lacking or some hole which is creating glitches for development product. Look out for more opportunities in the market, get up to date to avoid any threats, competitors and substitutes.

Major Key Players:

PICC

Zurich (RCIS)

Chubb

QBE

China United Property Insurance

American Financial Group

Prudential

XL Catlin

Everest Re Group

Endurance Specialty

CUNA Mutual

Agriculture Insurance Company of India

Tokio Marine

CGB Diversified Services

Farmers Mutual Hail

Archer Daniels Midland

New India Assurance

ICICI Lombard

Additionally report also briefs about the cost structure of organization. Finally, what strategies should be used by organizations to place their product in the market, branding idea to be adopted by them, cost estimation for marketing and branding.

The report gives the reasonable picture of current market situation which incorporates past and anticipated market data for development purpose considering reference point such as esteem and volume, innovative development, economic science and government in the market.

For Detailed Reading Please visit WiseGuy Reports @     https://www.wiseguyreports.com/reports/2318642-global-agricultural-insurance-market-size-status-and-forecast-2022

Some Major Points from Table of content:

1 Industry Overview       1

2 Global Agricultural Insurance Competition Analysis by Players     14

3 Analysis of Agricultural Insurance Industry Key Players  23

4 Global Agricultural Insurance Premiums Application (2012-2017) 53

5 North America Agricultural Insurance Development Status and Outlook    56

6 Europe Agricultural Insurance Development Status and Outlook   59

7 Japan Agricultural Insurance Development Status and Outlook     61

8 China Agricultural Insurance Development Status and Outlook     63

9 India Agricultural Insurance Development Status and Outlook      65

10 South America Agricultural Insurance Development Status and Outlook  67

11 Market Forecast by Regions and Application (2017-2022)          69

12 Agricultural Insurance Market Dynamics          78

13 Market Effect Factors Analysis            81

Continued…..

For more information or any query mail at sales@wiseguyreports.com

About Us
Wise Guy Reports is part of the Wise Guy Consultants Pvt. Ltd. and offers premium progressive statistical surveying, market research reports, analysis & forecast data for industries and governments around the globe. Wise Guy Reports understand how essential statistical surveying information is for your organization or association. Therefore, we have associated with the top publishers and research firms all specialized in specific domains, ensuring you will receive the most reliable and up to date research data available.

Contact Us:
Norah Trent
+1 646 845 9349 / +44 208 133 9349
Follow on LinkedIn: https://www.linkedin.com/company/wise-guy-research-consultants-pvt-ltd-?trk=biz-companies-cym

Norah Trent
wiseguyreports
+1 646 845 9349 / +44 208 133 9349
email us here

The Prolonged Situation For American International Team, Inc. (AIG) – Inventory News Gazette

It is interesting to be aware that American International Team, Inc. (NYSE:AIG) is energetic and manufactured a reliable movement in the last buying and selling working day. Now buying and selling with a market place price of 53.82B, the company has a mix of catalysts and hurdles that spring from the character of its operations. In mild of the many troubles encompassing this company, we believed it was a good time to take a near glimpse at the quantities in get to variety a realistic point of view on the essential image for this stock.

American International Team, Inc. (NYSE:AIG) Fundamentals That Make a difference

It is normally a good concept to start with the most essential piece of the image: the harmony sheet. The harmony sheet wellbeing of any company plays a important function in its ability to meet up with its obligations and sustain the faith of its expense base. For AIG, the company currently has 2.75 billion of cash on the guides. The craze over time is crucial to be aware. In this situation, the company’s debt has been escalating. The company also has 499.76 billion in overall belongings, well balanced by 425.44 billion in overall liabilities, which really should give you a perception of the viability of the company below any range of imagined company contexts.

American International Team, Inc. (AIG) noticed 1.07 billion in absolutely free cash move last quarter, symbolizing a quarterly net improve in cash of 607 million. Maybe most importantly where by cash movements are worried, the company noticed about 1.07 billion in net operating cash move.

American International Team, Inc. (NYSE:AIG) Earnings Expansion Prospective

As much as important trends that exhibit anything of the future expense possible of this stock, we have to have to take a nearer glimpse at the top line, initially and foremost. Final quarter, the company noticed 12.85 billion in overall revenues. That represents a quarterly 12 months/12 months improve in revenues of -.13 in sequential phrases, the AIG noticed gross sales decrease by -.01.

But what about the base line? Just after all, that’s what really matters in the close. American International Team, Inc. (AIG) is intriguing when broken down to its core details.  For shareholders, supplied the overall diluted remarkable shares of 948.25 million, this usually means in general earnings for every share of 1.19. Note, this compares with a consensus analyst forecast of 1.16 in earnings for every share for its next fiscal quarterly report.

Is American International Team, Inc. (NYSE:AIG) Valuation Beautiful

Seeking forward at valuations, according to the consensus, the next fiscal 12 months is forecast to carry about 5.39 in overall earnings for every share. If we consider a median rate to earnings ratio on the stock, that corresponds with a stock rate of 11.30. Even so, a single really should normally don’t forget: the trends are far more crucial than the forecasts. This carries on to be an interesting tale, and we glimpse ahead to updating it once again shortly on American International Team, Inc..

Orientation for parents on teen driving safety would save more lives | Our View

New Jersey since 2001 has had a strong graduated-license program for teen drivers, which limits some well-known risks until they have had a year or two of experience behind the wheel.

Such programs nationwide in the last decade have reduced by half fatal crashes involving teenagers, says the Insurance Institute for Highway Safety. In New Jersey, accidents involving teens fell 25 percent in just four years, from 2011 to 2014, the state reported.

That’s a great result from an effective program, but it could be better if it weren’t for one problem — most parents of teens today didn’t go through the graduated-license program themselves and lack personal experience with its goals and requirements. That diminishes support and is sometimes a factor in the tragic loss of teen and other lives.

Education and outreach about the program have helped, but comments about unfamiliarity with the rules by parents who have lost children to crashes are sad proof that more is needed.

A bill that passed the Assembly in July would require the parent or guardian of a 16- or 17-year-old to complete a state-approved teen-driver orientation program. This is a reasonable way to make the graduated-license program fully effective and should be passed by the Senate and signed into law by the governor.

This proposal has been around since at least 2010. A statewide survey by AAA New Jersey in 2013 found broad public approval for the idea, with 50 percent of respondents strongly and 22 percent somewhat supporting “a new law in New Jersey that would require parents and teens to attend a driver’s education class together or online.”

The bill before the Senate wouldn’t require new young drivers and their parents or guardians to actually take the orientation together. Parents, guardians or another designated “relative or supervising adult” driver could take the safe-driving orientation at a local school or library, or online.

What such an orientation would involve is already known, thanks to the successful Share the Keys program developed by a partnership of Kean University, the N.J. Division of Highway Traffic Safety and the State Police.

At a Share the Keys orientation, trained instructors provide in 60 to 75 minutes a comprehensive review of the graduated-license law, teen driving research, and the benefits of proper parental involvement in the first year or two of driving by their children.

For example, one thing they learn is that research by the Children’s Hospital of Philadelphia and State Farm Insurance Co. found that when parents set rules and monitor their children’s driving activities in a helpful and supportive way, the kids are half as likely to crash.

Of course, parents also learn about the wise limits nowadays that they didn’t have when they were learning to drive, such as no driving from 11 p.m. to 5 a.m., no more than one passenger in the car with the teen driver (not counting a parent or guardian), and no use of mobile phones (even hands-free) or other portable electronic devices. And they hear about the solid research supporting those limits.

The bill in the Legislature would also require an orientation program for those under 21 who are applying for a driving learner’s permit or a driving examination permit. Share the Keys often is part of school-based driver education programs.

Certificates are issued to parents and teens who successfully complete Share the Keys, and such certificates for both would be required for a youngster’s permit to drive.

Adults who have taken the orientation have seen the value in it. In a Kean University survey of parents before the orientation, 60 percent said their teens had excellent driving skills, yet 52 percent said their parenting style about their teens’ driving was permissive and 9 percent said they weren’t involved. After the orientation, 81 percent felt compelled to increase the practice driving hours of their kids and 76 percent felt more inclined to enforce the graduated-license rules.

In the AAA survey, just 8 percent said they strongly or somewhat oppose requiring some form of driver education for parents. To the most common criticism that this burdens parents and is unneeded governmental interference, we say that government has a long and proven record of regulation to improve highway safety. Graduated-driving programs are recognized nationwide as the single most effective tool for reducing teen crashes and deaths, and requiring parents to understand their part will get the most from the program.

New Jersey should enact the requirement and join pioneers Massachusetts, Connecticut and Rhode Island in enlisting parents in making their kids better and safer drivers for everyone’s benefit.

City officials hear proposal from insurance company | News

In their regularly scheduled meeting, Woodward city commissioners heard a detailed presentation from a company that was seeking an endorsement from the city to market an insurance product to Woodward residents.

The policies would, ostensibly pay for repairs to sewerage and water pipes between a homeowners home and the connection to the city utilities. 

According to Ashley Shiwarski of Utility Service Partners, Inc. if the city will endorse the company, it will mail information out to residents about a somewhat low cost policy that pays when the sewer lines or water lines break or become clogged that run between a home owners house and the City of Woodward’s tie-in. 

“So what we would do is partner with your city in order to make our completely voluntary program available to your residents,” Shiwarski said.

If Woodward agrees to endorse the company, it in no way limits residents from getting the same coverage through another agency, she said. 

 The program is like any insurance product, which offers a home owner coverage on breakage or clogging, leaks, tree roots  or destruction of the plumbing or sewerage and will pay to have those fixed. 

In home plumbing is also covered (That is, the repair of the water and sewer lines themselves, but not damage caused by a leaking or broken line), she said. 

“We do not cover what your home owners insurance would normally cover,” she said. 

She said often times, home owners are not aware that those water and sewer lines between the city infrastructure and homes are their responsibility but are not regularly covered by homeowners insurance policies. 

The policies would range in price from sewer line coverage at 

The policy covers up to $8,500 toward each and every repair incidence for the utility infrastructure alone, she said. It does not cover damage to a home.

The policies cost ranges from $5.75 per month to cover external water pipes, $7.75 per month to cover external sewer pipes and $9.95 per month to cover inside plumbing infrastructure.

She said the program is a month to month coverage and a home owner can cancel at any time. 

However, the company will not market in cities where the city council has not approved and agreed to endorse Utility Service Partners, Inc. City Commissioner John Brown said he wanted to take the time to review the entire policy offered to Woodward residents before making any recommendation.

City Commissioners agreed to wait and research more before making a decision regarding partnership or endorsement.

In his regular report, City Manager Alan Riffel discussed the ongoing approval process regarding the final approval for the quiet zone to go forward. 

“I think, worst case, we are looking at Thanksgiving,” Riffel said.

Solicitor, pair posing as physiotherapists arrested over Sydney insurance scam

A Middle Eastern crime gang is suspected of carrying out $11 million worth of insurance fraud involving staged car accidents and faked injuries.

A 43-year-old solicitor and two men posing as physiotherapists, aged 30 and 31, were arrested on Wednesday, accused of playing roles in the scam.

Fraud and cybercrime squad commander Arthur Katsogiannis said the syndicate staged car accidents before submitting dodgy insurance claims for fake injuries.

With lawyers, medical professionals and other players all involved, he said the group operated as a one-stop shop while carrying out the scam.

“It’s very sophisticated, very well organised, it’s in the upper echelons of organised crime … it’s an organised syndicate who is very aware of the way that this particular scheme operates and they use that expertise,” Detective Superintendent Katsogiannis told reporters.

“This particular fraud is costing taxpayers of NSW hundreds of millions of dollars each year.

“We believe some of the individuals we’ve arrested were key players … I believe we have broken the back.”

The solicitor has been charged with directing a criminal group and is due to face Burwood Local Court on Wednesday.

It will be alleged he pulled the strings of the syndicate and provided advice to help them submit more than $1 million in fraudulent claims.

There has been a 25 per cent drop in claims for soft tissue injuries in motor vehicle accidents since police started investigating the syndicate.

Det Supt Katsogiannis says it is a sign the syndicate knows the jig is up.

Investigators are combing through past claims to snag more offenders tied up in the scheme.

“It’s not over yet. What I can say is we know there are others out there,” Det Supt Katsogiannis said.

“Like any element of society there are those who are purely after greed and making money the easy way and we want to put a stop to it.”

Police have so far arrested 16 people and laid more than 120 charges over the insurance rort.

AAP 

Chartwell Investment Partners LLC Cuts Holdings in MetLife, Inc. (MET)

Chartwell Investment Partners LLC reduced its position in MetLife, Inc. (NYSE:MET) by 5.4% during the 2nd quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor owned 167,835 shares of the financial services provider’s stock after selling 9,635 shares during the period. Chartwell Investment Partners LLC’s holdings in MetLife were worth $9,221,000 as of its most recent SEC filing.

Other institutional investors and hedge funds also recently made changes to their positions in the company. Schwab Charles Investment Management Inc. grew its position in MetLife by 5.2% during the second quarter. Schwab Charles Investment Management Inc. now owns 3,555,656 shares of the financial services provider’s stock valued at $195,348,000 after purchasing an additional 175,311 shares in the last quarter. Teacher Retirement System of Texas grew its position in MetLife by 7.2% during the first quarter. Teacher Retirement System of Texas now owns 822,785 shares of the financial services provider’s stock valued at $43,460,000 after purchasing an additional 55,508 shares in the last quarter. Boston Partners grew its position in MetLife by 0.5% during the second quarter. Boston Partners now owns 2,010,623 shares of the financial services provider’s stock valued at $110,464,000 after purchasing an additional 9,845 shares in the last quarter. KBC Group NV grew its position in MetLife by 14.3% during the second quarter. KBC Group NV now owns 1,263,802 shares of the financial services provider’s stock valued at $69,433,000 after purchasing an additional 157,734 shares in the last quarter. Finally, Aberdeen Asset Management PLC UK grew its position in MetLife by 1.3% during the first quarter. Aberdeen Asset Management PLC UK now owns 469,645 shares of the financial services provider’s stock valued at $24,807,000 after purchasing an additional 6,188 shares in the last quarter. 74.14% of the stock is currently owned by hedge funds and other institutional investors.

TRADEMARK VIOLATION NOTICE: “Chartwell Investment Partners LLC Cuts Holdings in MetLife, Inc. (MET)” was originally published by The Ledger Gazette and is the sole property of of The Ledger Gazette. If you are accessing this article on another publication, it was stolen and reposted in violation of US and international trademark & copyright laws. The correct version of this article can be viewed at https://ledgergazette.com/2017/09/20/chartwell-investment-partners-llc-has-9-22-million-holdings-in-metlife-inc-met.html.

MET has been the topic of a number of research analyst reports. TheStreet downgraded shares of MetLife from a “b-” rating to a “c+” rating in a research report on Monday, August 21st. BidaskClub downgraded shares of MetLife from a “hold” rating to a “sell” rating in a research report on Monday, July 24th. ValuEngine raised shares of MetLife from a “buy” rating to a “strong-buy” rating in a research report on Tuesday, June 27th. Wells Fargo & Company reaffirmed an “outperform” rating and set a $63.00 price objective (up from $61.00) on shares of MetLife in a research report on Wednesday, July 12th. Finally, FBR & Co raised shares of MetLife from a “market perform” rating to an “outperform” rating and boosted their price objective for the company from $54.00 to $58.00 in a research report on Thursday, May 25th. Two analysts have rated the stock with a sell rating, six have assigned a hold rating and ten have given a buy rating to the stock. The company has a consensus rating of “Hold” and a consensus price target of $57.95.

Shares of MetLife, Inc. (MET) traded up 1.17% during mid-day trading on Tuesday, hitting $49.47. 5,171,585 shares of the stock were exchanged. The firm has a 50-day moving average price of $47.80 and a 200 day moving average price of $47.30. The company has a market capitalization of $52.58 billion, a PE ratio of 582.00 and a beta of 1.44. MetLife, Inc. has a 12-month low of $38.17 and a 12-month high of $51.77.

MetLife (NYSE:MET) last released its quarterly earnings data on Wednesday, August 2nd. The financial services provider reported $1.30 EPS for the quarter, beating the consensus estimate of $1.28 by $0.02. The company had revenue of $17.39 billion during the quarter, compared to the consensus estimate of $17.11 billion. MetLife had a return on equity of 8.51% and a net margin of 0.30%. The firm’s revenue for the quarter was up 2.5% compared to the same quarter last year. During the same quarter in the prior year, the firm posted $0.83 EPS. On average, equities research analysts expect that MetLife, Inc. will post $4.78 earnings per share for the current year.

The business also recently disclosed a quarterly dividend, which was paid on Wednesday, September 13th. Stockholders of record on Monday, August 7th were issued a $0.40 dividend. This represents a $1.60 annualized dividend and a dividend yield of 3.23%. The ex-dividend date of this dividend was Thursday, August 3rd. MetLife’s payout ratio is presently 1,777.98%.

About MetLife

MetLife, Inc is a provider of life insurance, annuities, employee benefits and asset management. The Company’s segments include U.S.; Asia; Latin America; Europe, the Middle East and Africa (EMEA); MetLife Holdings, and Corporate & Other. Its U.S. segment is organized into Group Benefits, Retirement and Income Solutions and Property & Casualty businesses.

Institutional Ownership by Quarter for MetLife (NYSE:MET)

Receive News & Ratings for MetLife Inc. Daily – Enter your email address below to receive a concise daily summary of the latest news and analysts’ ratings for MetLife Inc. and related companies with MarketBeat.com’s FREE daily email newsletter.

A Look at the Health of The Travelers Companies, Inc. (NYSE:TRV) – Financial Newsweek

The Price to book ratio is the current share price of a company divided by the book value per share.  The Price to Book ratio for The Travelers Companies, Inc. NYSE:TRV is 1.387484.  A lower price to book ratio indicates that the stock might be undervalued.  Similarly, Price to cash flow ratio is another helpful ratio in determining a company’s value.  The Price to Cash Flow for The Travelers Companies, Inc. (NYSE:TRV) is 7.365956.  This ratio is calculated by dividing the market value of a company by cash from operating activities.  Additionally, the price to earnings ratio is another popular way for analysts and investors to determine a company’s profitability.  The price to earnings ratio for The Travelers Companies, Inc. (NYSE:TRV) is 11.614949. This ratio is found by taking the current share price and dividing by earnings per share.

Further, we can see that The Travelers Companies, Inc. (NYSE:TRV) has a Shareholder Yield of 0.057175 and a Shareholder Yield (Mebane Faber) of 0.05187. The first value is calculated by adding the dividend yield to the percentage of repurchased shares. The second value adds in the net debt repaid yield to the calculation. Shareholder yield has the ability to show how much money the firm is giving back to shareholders via a few different avenues. Companies may issue new shares and buy back their own shares. This may occur at the same time. Investors may also use shareholder yield to gauge a baseline rate of return.

When examining stocks, investors might be doing top down research. Top down analysis begins with looking at certain macro-economic factors. This may involve focusing in on the bigger picture and going all the way down to specific stocks. Starting at the top, investors may check on the global economic environment, overall market trends, and sector trends. Investors may choose to start doing research the other way around. This may involve first looking at the fundamentals for particular stocks in order to gauge the strength from a company standpoint. Many investors will scope out all the different investing aspects as to not leave any information uncovered.

Checking in on some valuation rankings, The Travelers Companies, Inc. (NYSE:TRV) has a Value Composite score of 15. Developed by James O’Shaughnessy, the VC score uses five valuation ratios. These ratios are price to earnings, price to cash flow, EBITDA to EV, price to book value, and price to sales. The VC is displayed as a number between 1 and 100. In general, a company with a score closer to 0 would be seen as undervalued, and a score closer to 100 would indicate an overvalued company. Adding a sixth ratio, shareholder yield, we can view the Value Composite 2 score which is currently sitting at 9.

The Travelers Companies, Inc. (NYSE:TRV) has a current MF Rank of 5162. Developed by hedge fund manager Joel Greenblatt, the intention of the formula is to spot high quality companies that are trading at an attractive price. The formula uses ROIC and earnings yield ratios to find quality, undervalued stocks. In general, companies with the lowest combined rank may be the higher quality picks.

There are many different tools to determine whether a company is profitable or not.  One of the most popular ratios is the “Return on Assets” (aka ROA).  This score indicates how profitable a company is relative to its total assets.  The Return on Assets for The Travelers Companies, Inc. (NYSE:TRV) is 0.027820.  This number is calculated by dividing net income after tax by the company’s total assets.  A company that manages their assets well will have a higher return, while a company that manages their assets poorly will have a lower return.

The Piotroski F-Score is a scoring system between 1-9 that determines a firm’s financial strength.  The score helps determine if a company’s stock is valuable or not.  The Piotroski F-Score of The Travelers Companies, Inc. (NYSE:TRV) is 6.  A score of nine indicates a high value stock, while a score of one indicates a low value stock.  The score is calculated by the return on assets (ROA), Cash flow return on assets (CFROA), change in return of assets, and quality of earnings.  It is also calculated by a change in gearing or leverage, liquidity, and change in shares in issue.  The score is also determined by change in gross margin and change in asset turnover.

Volatility/PI
Stock volatility is a percentage that indicates whether a stock is a desirable purchase.  Investors look at the Volatility 12m to determine if a company has a low volatility percentage or not over the course of a year.  The Volatility 12m of The Travelers Companies, Inc. (NYSE:TRV) is 14.351500.  This is calculated by taking weekly log normal returns and standard deviation of the share price over one year annualized.  The lower the number, a company is thought to have low volatility.  The Volatility 3m is a similar percentage determined by the daily log normal returns and standard deviation of the share price over 3 months.  The Volatility 3m of The Travelers Companies, Inc. (NYSE:TRV) is 17.617000.  The Volatility 6m is the same, except measured over the course of six months.  The Volatility 6m is 14.141700.

The Price Index is a ratio that indicates the return of a share price over a past period. The price index of The Travelers Companies, Inc. (NYSE:TRV) for last month was 0.93514. This is calculated by taking the current share price and dividing by the share price one month ago. If the ratio is greater than 1, then that means there has been an increase in price over the month. If the ratio is less than 1, then we can determine that there has been a decrease in price. Similarly, investors look up the share price over 12 month periods. The Price Index 12m for The Travelers Companies, Inc. (NYSE:TRV) is 1.06786.

Investors may be interested in viewing the Gross Margin score on shares of The Travelers Companies, Inc. (NYSE:TRV). The name currently has a score of 26.00000. This score is derived from the Gross Margin (Marx) stability and growth over the previous eight years. The Gross Margin score lands on a scale from 1 to 100 where a score of 1 would be considered positive, and a score of 100 would be seen as negative.


Mumbai Rains: How to take care of your car in monsoon; top tips to know

Mumbai Rains, car insurance, vehicle insurance,  how to keep your vehicle monsoon ready, Mumbai floods, Chennai floods, add-on cover The Mumbai and Chennai floods in the past damaged over 80,000 vehicles, including two wheelers. (ANI image)

By Parag Ved

The unpredictable behavior of monsoons in India does not come as a surprise to us. While it brings a huge respite from humidity and heat, it also brings a fair share of problems, especially for your most prized possession – your vehicle! With its appealing thunders and showers, this season is also about potholes, clogged roads and traffic jams that often lead to unwanted damages to your vehicle. This season sees a lot of claims made against engine damage, breakdowns or even mishaps caused due to poor visibility or impaired roads. The Mumbai and Chennai floods in the past damaged over 80,000 vehicles, including two wheelers and declared over 20,000 vehicles as fully damaged. Not just the floods that crashed back then, but the recent heavy showers left us all misguided, leaving us and our essential belongings unprotected.

A small amount of preparation like an appropriate insurance cover can help prevent your vehicle from getting damaged during monsoons and avoid unnecessary financial damage.

How can you be better prepared and ready?

There are a few essential precautions that can be taken to protect your vehicle’s overall health.

The few precautions include the assurity of the maintenance and service of the vehicle parts. It is necessary to check if your tyres and spares, wiper blades and all the electric parts including lights and horns are in good and working conditions. It is all the more important to keep a check on the leaks within the vehicle and ensure that no metal parts are exposed in the rains which might end up rusting the vehicle body.

Along with these tests of your vehicle, the other important factor necessary for the safety of your vehicle and finances is the required vehicle coverage. Besides your third party liability cover, which is mandatory for the vehicle, a robust vehicle insurance policy is also a must. This robust cover will not only save you from the basic vehicle damages, but also from certain breakdowns caused to your vehicle like the damage of engines, electronic circuit, repair and replacement of parts.

A standard motor policy or third party liability coverage only pays for damages like an accident. However, during monsoons an add-on cover for your vehicle should be considered. Since your engine and electronic circuits are the lifeline of your vehicle, an extensive damage protection is important.

The add-on cover & other precautionary measures

An add-on cover is useful at the time of monsoon as it is helpful during eventualities like repair and replacement of parts for your vehicle, which would have otherwise costed you. The cover protects your engine related damage caused due to seepage of water in the engine or leakage of oil. An add-on also acts as your 24/7 assistant in any situation.

These add on covers are your best bet during monsoons as they not only save you from the damage of your vehicle but are also pocket friendly.

One must consider certain life hacks that can help make your monsoon pleasant. The hacks include:

# Avoidance of riding vehicles in heavy rains.

# It is advised not to start your car in the rains, as rains can impact the electronic machineries directly.

# One must also halt driving in water logged areas, to save unnecessary damage.

# In case your vehicle is stuck, it is advised not to push or restart the stalled vehicle, as it may only damage your engine and the electrical system.

A few points to always keep in mind include:

# Always carry a copy of the policy document in your car

# Keep the toll free number of the insurance company handy

# Register your claim at earliest

Your insurance coverage is your financial protector not only in the easiest of time but also during the trickiest of situations. May it be an expensive vehicle or the standard vehicle, a motor insurance policy will always come as a saviour to your investment and finances. And along with being monsoon ready, be vehicle monsoon ready.

(The author is Executive Vice President, Consumer Lines, TATA AIG General Insurance)

Time to Check Your Life Insurance Policy

Dangers are likely lurking inside your life insurance policy.

If you have a life policy that is intended to build cash value over time, and you haven’t had an insurance checkup in the past few years, it’s time to find out whether your policy will last as long as your life. Otherwise, you might not understand what’s happening until it is too late, or very expensive, to “fix” your life insurance policy.

Note: The issues and advice below do NOT apply to term life policies, which remain in force when you pay a fixed premium for a set number of years, typically 20 or 30 years.

Here are the issues to review in cash-value whole life policies.

Low Investment returns on cash value. About 20 years ago, many people were encouraged to buy “universal life insurance,” adding extra cash to the policy, which would grow tax-free at a projected interest rate. Another variety was “universal variable life,” which allowed investment choices such as mutual funds for the extra cash within the policy. The growth of your cash value would vary depending on your choice of investments.

When these policies were purchased years ago, many of these projected premium “illustrations” were based on the assumption that interest rates on universal life policies would continue to be 8 percent to 10 percent — and that enough extra cash value would build up to help pay premiums in future years. But illustrations are not promises.

Interest rates have dropped to the minimum guaranteed rate and have stayed low for years. So now there is not enough cash inside many policies to pay the annual premiums. If you want to keep your policy in force, now that you’re older and closer to needing it, you might be asked to pay huge annual premiums to keep the policy going. (And you might not be healthy enough to qualify for a new, less expensive policy.)

Insurance charges skyrocket. The insurance companies can’t change the face amount of their policies. And they must continue to pay the guaranteed minimum interest rate, as high as 4 percent on some older policies.

So they are doing the one thing that is allowed in the contract: raising the “mortality charges” and expenses — the cost of insurance (COI) within the policy. That means your cash value doesn’t grow as fast. It also saves the insurance company a lot of money. And it may mean you’ll need to pay higher premiums down the road to keep the policy in force.

Policy loans cause problems. One of the most attractive things about life insurance, besides the tax-free growth of your excess premium inside the policy, is the ability to borrow some of that cash out of the policy on a tax-free basis. It is so convenient that many people forget to repay the loan!

That means the death benefit will be lowered by the amount of the loan plus interest. In some cases, those unrepaid policy loans trigger a larger premium requirement to keep the policy in force. That can come as quite a surprise, especially if you’re older and retired.

This is your life insurance policy, and you must stay informed and updated on any changes. Here’s how to get a policy checkup. (Those who have policies owned by an insurance trust should encourage the trustees to do this type of review.)

The first step is to get an “in-force ledger” — a current analysis of the cash in your policy, the premiums and the outlook for future premiums. Ask your insurance broker or call the insurance company directly at the toll-free number on your policy or premium statements. This report will reveal how long your insurance will stay in force at the current payment schedule or how much more you will have to pay each year to keep it going.

Once you have an in-force ledger, get a policy analysis. Here are two credible sources for that:

At EvaluateLifeInsurance.org, the Consumer Federation of America and Dr. James Hunt, insurance ombudsman, will provide personalized evaluation and advice for a fee of $125 for the first policy, and $85 for each additional policy. They also compare existing policies with policies being considered as a replacement.

Arthur J. Gallagher, one of the largest insurance brokerage firms in the world, routinely does this analysis for corporate customers and wealthy individuals. They offer a free policy analysis service at their website. AJG represents almost all major insurers, so are not conflicted in their advice.

You cared enough to buy life insurance, and to pay premiums all these years. Now don’t be afraid to do a life insurance checkup. You’ll sleep better. And that’s The Savage Truth.