Major Rating Factors:
Fair profitability index (3.8 on a scale of 0 to 10) with operating losses during 2022 and 2023. Return on equity has been low, averaging 0.8% over the past five years. History of adequate reserve strength (5.6) as reserves have been consistently at an acceptable level. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Good overall results on stability tests (5.4) despite negative cash flow from operations for 2024. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (96.0%), other (4.0%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (92.7%), cash (2.1%), other (5.2%)
Corporate Info
Group Affiliation
EP Loya Group LP
Investment Rating
--
Company Address
1800 North Lee Trevino Boulevard
El Paso, TX 79936
El Paso, TX 79936
Phone Number
(915) 590-5692
NAIC Number
10157
Website
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