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Profile - PAULA Financial (NasdaqNM:PFCO)
As of 31-Aug-2001
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Location
300 North Lake Avenue, Suite 300
Pasadena, CA 91101
Phone: (626) 304-0401
Fax: (626) 405-2400
Employees (last reported count): 252
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Insurance (Prop. & Casualty)
Related Links
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Ownership
·Insider and 5%+ Owners: 65%
·Institutional: 39% (112% of float)
(24 institutions)
·Net Inst. Buying: 516.0K shares (+17.97%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
PAULA Financial, together with its subsidiaries, is a specialty underwriter and distributor of commercial insurance products. Through its subsidiary, PAULA Insurance Company, the Company underwrites workers' compensation insurance products and services for agribusiness clients in California, Arizona, Oregon, Alaska, Florida, Idaho, Nevada, New Mexico and Texas. For the year ended December 31, 2000, California accounted for 55% of premiums earned. The Company operates from many offices, located throughout prime agricultural areas, and places coverage with its insurance company subsidiaries and nonaffiliated insurance companies.
More from Market Guide: Expanded Business Description

Financial Summary
PAULA Financial and subsidiaries is an integrated insurance organization which specializes in the production, underwriting and servicing of workers' compensation and a accident and health insurance for agribusiness clients. For the six months ended 6/01, revenues fell 55% to $30.7 million. Net income totalled $335 thousand vs. a loss of $1.6 million. Revenues reflect lower premiums earned due to new quota share agreements. Net income benefited from improved operating efficiencies.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Jeffrey Snider, 49
Chairman, Pres and CEO
$393K
James Nicholson, 56
CFO, Sr. VP, Sec., Director
221K
Karl Hansen, 50
Exec. VP, Director
157K
James Muza, 48
Sr. VP, CIO, Chief Actuary
213K
Victor Gloria, III, 46
Sr. VP
209K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:PFCOAs of 31-Aug-2001
Price and Volume
52-Week Low
on 23-Apr-2001
$1.08 
Recent Price$3.31 
52-Week High
on 21-May-2001
$5.30 
Beta1.78 
Daily Volume (3-month avg)2,955 
Daily Volume (10-day avg)7,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change-18.5%
52-Week Change
relative to S&P500
+9.3%
Share-Related Items
Market Capitalization$19.8M
Shares Outstanding5.97M
Float2.10M
Dividends & Splits
Annual Dividend (indicated)$0.16 
Dividend Yield4.83%
Last Splitnone 
Per-Share Data
Book Value (mrq)$6.73 
Earnings (ttm)-$3.24 
Earnings (mrq)$0.04 
Sales (ttm)$13.62 
Cash (mrq)$1.10 
Valuation Ratios
Price/Book (mrq)0.49 
Price/EarningsN/A 
Price/Sales (ttm)0.24 
Income Statements
Sales (ttm)$73.0M
EBITDAN/A 
Income available to common (ttm)-$17.3M
Profitability
Profit Margin (ttm)-23.7%
Operating Margin (ttm)-26.1%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-7.68%
Return on Equity (ttm)-40.63%
Financial Strength
Current RatioN/A 
Debt/Equity (mrq)0.15 
Total Cash (mrq)$6.24M
Short Interest
As of 8-Aug-2001
Shares Short4,000 
Percent of Float0.2%
Shares Short
(Prior Month)
1,000 
Short Ratio2.00 
Daily Volume2,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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