- The report contains detailed information about Penn Treaty American Corp. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Penn Treaty American Corp.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Penn Treaty American Corp. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Penn Treaty American Corp. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Penn Treaty American Corp. business.
About Penn Treaty American Corp.
Penn Treaty American Corporation, through its subsidiaries, provides long-term care insurance in the United States. The companys primary products are individual, defined benefit accident and health insurance policies covering long-term care services, including confinement to nursing facilities and assisted living facilities, as well as home health care.
The companys policies are designed to provide benefits if and when the insured is no longer capable of functioning independently. It also owns insurance agencies that sell senior-market insurance products issued by it, as well as other insurers. It also sells medicare supplement policies.
The company primarily markets its long-term care insurance products through field marketing organizations (FMOs), which are generally independent, multi-agent networks utilized for the purpose of recruiting agents and developing networks of agents in various states.
The companys long-term care insurance policies provide benefits for care provided in a long-term care facility, care received at home or both. Policies that include coverage for long-term care facilities provide benefits for confinement to nursing facilities as well as assisted living facilities. Its policies also offer benefits for home health care services. Nurses, home health aides and certified nursing assistants are typically covered for the care/services they provide in the insureds home. Its policies also cover private, unlicensed caregivers and family members, subject to its pre-approval. Its product offerings include:
Personal Freedom policy: The companys Personal Freedom policy provides coverage in that it covers both facility care and home health care.
Secured Risk policy: The companys Secured Risk policy provides limited facility care benefits to people who would not, due to health conditions, qualify for the more traditional long-term care insurance policy. An optional home care rider, offering limited coverage, is also available to those who qualify.
Assisted Living policy: The Assisted Living policy provides facility coverage only and is an alternative to the Personal Freedom policy. When coupled with an optional home health care rider, the Assisted Living policy offers benefits similar to those of the Personal Freedom policy.
Independent Living policy: The Independent Living policy provides coverage for home and community-based care furnished by licensed care providers, as well as unlicensed caregivers and includes an optional facility rider.
Simple LTC Solution policy: The Simple LTC Solution policy provides an approach to long-term care insurance. This policy covers facility and home health care, but does not include the additional features found in its Personal Freedom policy. It includes cost-controlling features, such as an automatic deductible, an ongoing policyholder co-payment, and limited benefit dollars that do not restore.
Riders: The company offers various optional riders to its base policies, including home health care coverage, inflation protection, shared care (which allows spouses to share benefits) and a non-forfeiture benefit (which guarantees certain paid-up benefits in the event the policy lapses in the future).
Tax qualified and non-qualified policies: The company also offers a tax qualified policy, which allows for certain income tax deductions for premium payments and provides benefit payments that are not subject to tax. It offers both tax-qualified and non-tax-qualified policies, with the non-tax-qualified policies generally offering access to benefits at lower levels of disability, while not offering the same preferential tax treatment as tax-qualified policies.
The company primarily serves in Arizona, California, Florida, Illinois, North Carolina, Ohio, Pennsylvania, Texas, Virginia, and Washington.
The companys primary business is the sale of long-term care insurance, which it conducts through its subsidiaries, including Penn Treaty Network America Insurance Company; American Network Insurance Company; and American Independent Network Insurance Company of New York.
The company also conducts insurance agency operations through its subsidiaries, such as Senior Financial Consultants Company; United Insurance Group Agency, Inc.; and Network Insurance Senior Health Division.
The company was founded in 1965. It was formerly known as Greater Keystone Investors, Inc. and changed its name to Penn Treaty American Corporation in 1987.
The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.
1. PENN TREATY AMERICAN CORP. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. PENN TREATY AMERICAN CORP. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. PENN TREATY AMERICAN CORP. SWOT ANALYSIS
4. PENN TREATY AMERICAN CORP. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. PENN TREATY AMERICAN CORP. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Penn Treaty American Corp. Direct Competitors
5.2. Comparison of Penn Treaty American Corp. and Direct Competitors Financial Ratios
5.3. Comparison of Penn Treaty American Corp. and Direct Competitors Stock Charts
5.4. Penn Treaty American Corp. Industry Analysis
5.4.1. Insurance Industry Snapshot
5.4.2. Penn Treaty American Corp. Industry Position Analysis
6. PENN TREATY AMERICAN CORP. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PENN TREATY AMERICAN CORP. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. PENN TREATY AMERICAN CORP. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. PENN TREATY AMERICAN CORP. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PENN TREATY AMERICAN CORP. PORTER FIVE FORCES ANALYSIS2
12. PENN TREATY AMERICAN CORP. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Penn Treaty American Corp. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Penn Treaty American Corp. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Penn Treaty American Corp. Major Shareholders
Penn Treaty American Corp. History
Penn Treaty American Corp. Products
Revenues by Segment
Revenues by Region
Penn Treaty American Corp. Offices and Representations
Penn Treaty American Corp. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Penn Treaty American Corp. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Penn Treaty American Corp. Capital Market Snapshot
Penn Treaty American Corp. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Insurance Industry Statistics
Penn Treaty American Corp. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Penn Treaty American Corp. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Penn Treaty American Corp. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Penn Treaty American Corp. 1-year Stock Charts
Penn Treaty American Corp. 5-year Stock Charts
Penn Treaty American Corp. vs. Main Indexes 1-year Stock Chart
Penn Treaty American Corp. vs. Direct Competitors 1-year Stock Charts
Penn Treaty American Corp. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?