CIK 904163

AMERICAN NATIONAL INSURANCE CO

CIK 0000904163 · EDGAR ↗

cleanelevatedtriggeredno dataplanned

33.3

composite · 3 signals · CLEAN

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

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Signals

P-07 · FY 2017-12-31 · TRIGGERED46.1

Pension underfunding

[FY2017 data, stale — no more recent pension disclosure in XBRL] DB plan 78% funded — -$108M deficit (2% of equity)

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2020-02-28) ↗

Evidence — inputs and thresholds

{
  "benefit_obligation": 490838000,
  "plan_assets": 382724000,
  "funded_ratio": 0.7797,
  "deficit": -108114000,
  "deficit_vs_equity": 0.0206,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": true,
  "latest_filing_period": "2019-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/904163/000090416320000004/0000904163-20-000004-index.htm",
    "form": "10-K",
    "filed": "2020-02-28"
  }
}

P-01 · FY 2019-12-31 · CLEAN35.6

Earnings quality

Beneish M-Score -2.26 — no manipulation profile

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2020-02-28) ↗

Evidence — inputs and thresholds

{
  "m_score": -2.262,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1,
    "AQI": 1,
    "SGI": 1.224,
    "DEPI": 1,
    "SGAI": 1,
    "LVGI": 1,
    "TATA": 0.004
  },
  "defaulted_to_neutral": [
    "DSRI",
    "GMI",
    "DEPI",
    "SGAI",
    "LVGI"
  ],
  "sloan_accruals": 0.0041,
  "inputs": {
    "revenue_t": 4070143000,
    "revenue_t1": 3326382000,
    "total_assets_t": 28597566000,
    "net_income_t": 620363000,
    "cfo_t": 506412000
  },
  "stale": false,
  "latest_filing_period": "2019-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/904163/000090416320000004/0000904163-20-000004-index.htm",
    "form": "10-K",
    "filed": "2020-02-28"
  }
}

P-12 · FY 2019-12-31 · CLEAN24.0

Restatement predictor

F-Score 0.72 — at or below the population base rate

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2020-02-28) ↗

Evidence — inputs and thresholds

{
  "f_score": 0.72,
  "probability": 0.00266,
  "components": {
    "rsst": 0.0041,
    "drec": null,
    "dinv": null,
    "soft": 0.9805,
    "dcs": 0.2236,
    "droa": 0.0158,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2019-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/904163/000090416320000004/0000904163-20-000004-index.htm",
    "form": "10-K",
    "filed": "2020-02-28"
  }
}