Unico American – UNAM

Unico American Corporation, an insurance holding company, underwrites property and casualty insurance in Arizona, California, Nevada, Oregon, and Washington The company offers property, casualty, health, and life insurance products, as well as insurance premium financing and membership association services.

Unico American is a micro cap stock with a total market cap of 6.37M.

They trade on the NASDAQ and had their IPO 36 years and 2 months

Unico American currently employs 38 people.

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Insider Trading

(Original Source: SEC.GOV)

Insider trading is when individuals employed by a company buy or sell its securities following legal procedures and regulations. Company executives, directors, and employees may be permitted to buy or sell shares if they follow specific rules, such as filing a Form 4 with the SEC within two business days.

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Over the last 3 months, there has been no insider trading.

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Debt & Income Analysis

(Original Source: SEC.GOV)

Income quality measures a company’s operating cash flow to net income ratio. It helps investors and analysts assess the sustainability of a company’s earnings. A high QIR indicates strong cash flows, while a low QIR may indicate non-operating activities driving net income.

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$UNAM’s Income Quality of 2.67 is greater than its Industry Group of 1.53 (74.5% greater)

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$UNAM’s Income Quality of 2.67 is greater than its Major Industry Group of 1.73 (54.3% greater)

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$UNAM’s Income Quality of 2.67 is greater than its Sector of 1.21 (120.7% greater)


Data is unavailable for Current Ratio

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Value Analysis

(Original Source: SEC.GOV)

PE ratio (price-to-earnings), measures a company’s stock price relative to its earnings per share. It helps investors evaluate whether its stock is overvalued or undervalued. A higher PE ratio indicates that investors are willing to pay more for a company’s earnings, while a lower PE ratio (above zero) suggests the company could be undervalued.

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Cannot compare a negative PE Ratio (-0.47 & 7.01)

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Cannot compare a negative PE Ratio (-0.47 & 9.47)

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Cannot compare a negative PE Ratio (-0.47 & 8.96)


(Original Source: SEC.GOV)

The PB ratio (price-to-book), measures a company’s stock price relative to its book value (net value of a company’s assets reported on its balance sheet, after subtracting debt) per share. It is used to evaluate a company’s valuation, with a lower PB ratio (above zero) indicating a lower valuation and a higher PB ratio suggesting overvaluation.

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$UNAM’s PB Ratio of 0.28 is lower than its Industry Group of 1.11 (-74.8% lower)

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$UNAM’s PB Ratio of 0.28 is lower than its Major Industry Group of 0.98 (-71.4% lower)

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$UNAM’s PB Ratio of 0.28 is lower than its Sector of 0.91 (-69.2% lower)

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Efficiency Analysis

(Original Source: SEC.GOV)

ROE (Return on Equity), is a financial ratio that measures a company’s profitability relative to its shareholders’ equity (the amount of value in a company that belongs to the people who own shares). It indicates how efficiently a company generates profits per unit of equity invested. A high ROE suggests effective use of equity, while a low ROE indicates inefficiency.

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$UNAM’s ROE of -0.59 is lower than its Industry Group of 0.02 (-3050.0% lower)

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$UNAM’s ROE of -0.59 is lower than its Major Industry Group of 0.03 (-2066.7% lower)

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$UNAM’s ROE of -0.59 is lower than its Sector of 0.07 (-942.9% lower)


(Original Source: SEC.GOV)

ROCE (Return on Capital Employed), is a financial ratio that measures a company’s profitability relative to the amount of capital invested in its operations. It indicates how well a company is generating profits from its capital investments. A high ROCE suggests effective use of capital, while a low ROCE indicates inefficiency.

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$UNAM’s ROCE of -0.06 is lower than its Industry Group of 0.02 (-400.0% lower)

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$UNAM’s ROCE of -0.06 is lower than its Major Industry Group of 0.02 (-400.0% lower)

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$UNAM’s ROCE of -0.06 is lower than its Sector of 0.02 (-400.0% lower)

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