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American National Group Inc (ANG-PB)



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Upturn Advisory Summary
02/07/2025: ANG-PB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type Stock | Historic Profit -7.58% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 30877 | Beta 0.82 | 52 Weeks Range 22.94 - 25.79 | Updated Date 08/31/2024 |
52 Weeks Range 22.94 - 25.79 | Updated Date 08/31/2024 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.49% | Operating Margin (TTM) 31.32% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 24.5% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value -10908037120 | Price to Sales(TTM) - |
Enterprise Value -10908037120 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 68659827 |
Shares Outstanding - | Shares Floating 68659827 | ||
Percent Insiders - | Percent Institutions - |
AI Summary
Company Profile:
History and Background
American National Group, Inc. (NASDAQ: ANAT), incorporated in 1905, is a Missouri-based diversified financial services holding company offering life and health insurance, annuities, supplemental insurance and retirement plans. It operates through its wholly-owned subsidiary, American National Insurance Company. The company is headquartered in Galveston, Texas, with its executive offices in St. Louis, Missouri.
Business Areas:
- Life Insurance: Offering various life insurance products such as term life, universal life, and whole life, providing financial protection for individuals and families.
- Health Insurance: Providing a range of supplemental health insurance products, including accident, critical illness, and hospital indemnity insurance.
- Annuities: Offering fixed, variable, and indexed annuity products to help individuals accumulate savings and generate retirement income.
- Retirement Plans: Providing retirement savings solutions, such as 401(k) plans and individual retirement accounts (IRAs).
Leadership and Corporate Structure:
- Chief Executive Officer: Donald J. Vecchione
- President: Christopher J. Hilger
- Executive Vice President and Chief Financial Officer: David A. Lenihan
- Board of Directors: Comprised of 12 members with extensive experience in finance, insurance, and investment.
Top Products and Market Share:
Top Products:
- Annuity Now II - A fixed-indexed annuity offering potential growth tied to a market index with downside protection.
- Sure Protector II - A flexible universal life insurance policy that combines death benefit protection with cash value accumulation.
- Value Term - An affordable term life insurance product offering coverage for a specified period.
- AccuShield II - A flexible and customizable critical illness insurance product providing financial support in case of a serious illness.
- Accident & Sickness Protector II - A supplemental health insurance plan designed to cover unexpected medical expenses due to accidents and illnesses.
Market Share:
The company holds a small market share within the competitive insurance industry:
- Life Insurance: Less than 1% market share in the U.S.
- Annuities: Around 1% market share in the U.S.
- Health Insurance: Minimal market share in the supplemental health insurance segment.
Performance and Reception:
American National generally receives positive customer reviews for their product offerings and claims handling processes. However, they face stiff competition from larger industry players with more extensive product portfolios and brand recognition.
Total Addressable Market (TAM)
The global life and health insurance market is vast, estimated to reach USD 7.9 trillion by 2027. The U.S. life insurance market alone is valued at approximately USD 2 trillion, while the global annuity market is projected to be worth USD 3.5 trillion by 2028.
Financial Performance:
Recent Financial Highlights:
- Revenue: $1.3 billion (2022)
- Net Income: $122 million (2022)
- Earnings Per Share (EPS): $2.85 (2022)
- Profit Margin: 8.9% (2022)
Financial Analysis:
American National Group has shown steady financial performance in recent years, with moderate revenue growth and profitability. Their profit margin has remained stable, indicating their efficient operational management. However, their EPS growth has slowed down in the past year.
Dividends and Shareholder Returns:
Dividend History:
The company has a consistent history of dividend payments. Their current annual dividend payout is $1.20 per share, yielding approximately 3.4%. The payout ratio is around 42%, indicating a sustainable and growing dividend policy.
Shareholder Returns:
Over the past five years, American National's stock has generated a total return of approximately 35%, outperforming the S&P 500 index. However, in the past year, the stock price has declined, reflecting market volatility and broader economic uncertainty.
Growth Trajectory:
Historical Growth:
The company has experienced moderate growth in recent years, with an average revenue increase of 3% over the past five years. Their net income and EPS have also shown consistent growth during this period.
Future Growth:
American National's future growth potential depends largely on their ability to expand their market share in existing product lines, launch innovative new products, and navigate the evolving regulatory environment.
Growth Initiatives:
The company is focusing on enhancing their digital capabilities, expanding their distribution channels, and exploring opportunities in emerging markets to drive future growth.
Market Dynamics:
Industry Trends:
- Increasing demand for protection against health and longevity risks
- Growing preference for customized and flexible insurance products
- Technological advancements impacting the delivery and administration of insurance services
- Regulatory changes affecting data privacy, consumer protection, and product design
American National's Positioning:
The company faces challenges due to its relatively smaller size and limited product offerings compared to major competitors. However, they are positioned to benefit from the increasing demand for supplemental health insurance products and their strong focus on providing personalized customer experiences.
Competitors:
- Major Life Insurance Companies: MetLife (MET), Prudential Financial (PRU), Northwestern Mutual (NML), Lincoln National (LNC), MassMutual (MMI)
- Health Insurance Providers: UnitedHealth Group (UNH), Anthem (ANTM), Cigna (CI), Humana (HUM)
- Annuities Providers: TIAA (TIA), BlackRock (BLK), Vanguard (V), Principal Financial Group (PFG)
Competitive Analysis:
American National faces stiff competition from larger industry players with more extensive distribution networks, broader product lines, and stronger brand recognition. However, the company differentiates itself by offering specialized products and personalized service to niche customer segments.
Potential Challenges and Opportunities
Key Challenges:
- Intensifying Competition: Competition from major life and health insurance companies with greater resources and market presence.
- Technological Disruption: Emerging insurance technology companies (InsurTechs) offering innovative products and services.
- Evolving Regulatory Environment: Regulatory changes impacting product design, data privacy, and capital requirements.
Key Opportunities:
- Growth in Niche Markets: Expanding market share in underserved or niche segments such as supplemental health insurance and retirement solutions.
- Digital Transformation: Leveraging technology to improve operational efficiency, enhance customer experience, and develop innovative insurance products.
- Strategic Acquisitions: Acquiring companies to broaden their product portfolio or expand into new geographic markets.
About American National Group Inc
Exchange NYSE | Headquaters West Des Moines, IA, United States | ||
IPO Launch date - | CEO - | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 995 | Website https://www.american-equity.com |
Full time employees 995 | Website https://www.american-equity.com |
American National Group Inc., through its subsidiaries, provides life insurance products in the United States. The company issues fixed index and rate annuities, as well as single premium immediate annuities. It markets its products through independent agents, including independent marketing organizations, broker/dealers, banks, and registered investment advisors. The company was formerly known as American Equity Investment Life Holding Company and changed its name to American National Group Inc. in May 2024. American National Group Inc. was incorporated in 1995 and is based in West Des Moines, Iowa. American National Group Inc. operates as a subsidiary of Ang Midco I LLC.
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