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  • NAVIGATORS GROUP INC Financial Overview

  • Income Statement: NAVG

      2008 2007 Change ( 2007 - 2008  )
    Net Sales/Revenues 720.71 M 676.66 M 44.05 M 6.11%
    Gross Profit —%
    Net Income Before Extra Items/Preferred Div 51.69 M 95.62 M -43.93 M -84.98%
    Operating Income 114.65 M 148.04 M -33.40 M -29.13%
  • Cash Flow: NAVG

      2008 2007 Change ( 2007 - 2008  )
    Net Cash Flow - Financing -7.56 M 2.23 M -9.80 M 129.53%
    Net Cash Flow - Investing 243.31 M 282.22 M -38.91 M -15.99%
    Net Cash Flow/Operating Activities 245.28 M 284.64 M -39.37 M -16.05%
  • Balance Sheet: NAVG

      2008 2007 Change ( 2007 - 2008  )
    Total Assets 3.29 B 3.11 B 180.32 M 5.47%
    Total Liabilities 2.59 B 2.46 B 127.86 M 4.94%
    Shareholders Equity 704.38 M 651.92 M 52.46 M 7.45%
  • Key Ratios / Statistics: NAVG

    • Valuation

      Price/Earnings (TTM) 18.06
      Price/Sales (TTM) 1.29
      Price/Book (MRQ) 1.01
      Price/Cash Flow (TTM) 4.67
    • Profitability

      Gross Margin
      Operating Margin 15.91
      Profit Margin 7.17
    • Dividends

      Dividend Paid (TTM) 0.00
      Payout Ratio % (TTM) 0.00
    • Financial Strength

      Quick Ratio (MRQ)
      Current Ratio (MRQ)
      Long Term Debt-to-Equity (MRQ) 15.24
    • Management Effectiveness

      Return on Equity (TTM) 8.20
      Return on Assets (TTM) 1.58
      Return on Investments (TTM) 7.19