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Life Insurance Company Of Alabama

LINS
41
Insurance - Life · Financial Services
Price
$55.00
+0.00 (+0.00%)
Market Cap
$8.0M
Exchange
Other OTC
Winston Score
41
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.
Data as of Sep 1, 2026
How the score breaks down
Quality
Good
Growth
Data not available
Cash Flow
Weak
Stability
Exceptional
Valuation
Good
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Winston Score History

The full picture

Established in 1952, Life Insurance Company Of Alabama operates as an insurer primarily focused on life insurance within the United States. Headquartered in Gadsden, Alabama, the company provides a comprehensive selection of policies. Its offerings encompass coverage for life, accidents, cancer, and critical illnesses, in addition to dental, disability, hospital indemnity, and vision and hearing insurance plans.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
100.0%
no trend
Premium pricing power — 100.0% gross margin
Profit after running costs
Operating Margin
7.8%
no trend
Modest — 7.8% operating margin
Return on the money invested
ROCE
11.2%
no trend
Below par — 11.2% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
N/A
no trend
Data not available
Profit growth
EPS YoY
N/A
no trend
Data not available
How steady the profit is
EPS Consistency
N/A
no trend
Data not available

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Cash Flow

Profit that turns into cash
Cash Conversion
0%
no trend
Weak — only 0% of profit becomes cash
Spare cash per sale
FCF Margin
0.0%
no trend
Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.00
no trend
Conservative — low debt load (0.00)
Covers its interest
Interest Cover
100.00x
no trend
Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
11.2x
no trend
Attractive valuation — P/E 11.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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