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American National Financial, Inc.
17911 Von Karman, Suite 200, Irvine, CA 92614 * (949) 622-4700
Business Description The company provides title insurance services as well as other real estate related financial and informational services including escrow, real estate information, trustee sale guarantees, and appraisals.
Offering
Information

Company has
gone public

Trading As  ANFI (NASNTL) Industry  Financial (SIC 6361)
Type of Stock Offered  Common Shares Filing Date  08/27/1998
Domestic Shares Offered  1,750,000 Offer Date  02/11/1999
Foreign Shares Offered  0 Filing Range  $6.00 - $7.00
Company Shares  1,750,000 Offer Price  $6.00
Selling Shrhldrs Shares  0 Gross Spread  $0.450
Gross Proceeds  $10,500,000 Selling  $0.250
Expenses  $570,000 Reallowance  $0.100
Post-IPO Shares  6,917,096 Employees  766
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
Cruttenden Roth Incorporated Lead Manager (800) 678-9147
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures 6 Months Ending
Figures in U.S. millions except per share data 12/31/1993 12/31/1994 12/31/1995 12/31/1996 12/31/1997 06/30/1997 06/30/1998
Revenues   18.576 18.293 29.721 51.732 58.666 25.141 45.275
Income from Oper.   - - - - - - -
Net Income   0.280 -3.909 -2.400 -0.174 1.123 0.743 3.086
E.P.S   - - - - - - 1.060
Revenue Growth (%)      -1.52 62.47 74.06 13.404   80.08
Net Income Growth (%)      - - - -   315.34
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    1.51 - - - 1.91 6.82 2.96
Cash Flow - Oper.     2.84 - -
Cash Flow - Inv.     -1.79 - -
Cash Flow - Fin.     6.17 - -
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 06/30/1998 Financial Ratios
Total Assets    27.53 Current Assets    - Current Ratio    -
Total Liab.    23.32 Current Liab.    - Debt Ratio    84.71%
Total Equity    4.21 Working Cap.    - Debt to Equity Ratio    5.54
Cash    6.15    Return on Assets   11.21%
Use Of
Proceeds
The proceeds from the proposed offering will be used to finance the acquisition of National and for general corporate purposes which may include strategic alliances.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Rutan & Tucker
Bank's Law Firm  Stradling, Yocca, Carlson & Rauth
Registrar/Transfer Agent  U. S. Stock Transfer Corporation
Auditor  KPMG Peat Marwick
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Industry
Competition
The title insurance business is very competitive, primarily in the areas of service and expertise. The size and financial strength of the title insurer who underwrites the policies are also important factors in decisions relating to the purchase of title insurance. Many of the Company's competitors have greater financial, personnel, marketing and other resources than the Company, and some are underwritten by larger title insurance companies. Also, the removal of regulatory barriers in the future might result in new competitors, including financial institutions entering the title insurance business. Intense competition among the more established title insurance companies and any such new entrants could have a material adverse effect on the business, financial condition and results of operations of the Company.
Business
Plan
The Company's objective is to become a leading supplier of title insurance and related real estate financial and informational services. The key elements in the Company's strategy to achieve this objective are to: (i) Expand to key geographic markets, (ii) Expand provision of real estate related services, (iii) Recruit highly qualified personnel, (iv) Leverage acquisition of national and (v) Pursue strategic acquisitions.

Last updated: 09/29/1999 3:50:44 AM
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