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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended September 30, 2020
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Transition Period from to
Commission File Number: 001-36311
NATIONAL GENERAL HOLDINGS CORP.
(Exact Name of Registrant as Specified in Its Charter)
Delaware27-1046208
(State or Other Jurisdiction of
Incorporation or Organization)
(I.R.S. Employer
Identification No.)
59 Maiden Lane, 38th Floor
New York, New York
(Address of Principal Executive Offices)

10038
(Zip Code)

(212) 380-9500
(Registrant’s Telephone Number, Including Area Code)

Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading
Symbol(s)
Name of Each Exchange on Which Registered
Common Stock, par value $0.01 per shareNGHCThe Nasdaq Stock Market LLC
7.50% Non-Cumulative Preferred Stock, Series ANGHCPThe Nasdaq Stock Market LLC
Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series BNGHCOThe Nasdaq Stock Market LLC
Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series CNGHCNThe Nasdaq Stock Market LLC
7.625% Subordinated Notes due 2055NGHCZThe Nasdaq Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large Accelerated Filer
Accelerated Filer
Non-Accelerated Filer
Smaller Reporting Company
Emerging Growth Company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes No

As of October 27, 2020, the number of common shares of the registrant outstanding was 113,475,176.



NATIONAL GENERAL HOLDINGS CORP.

TABLE OF CONTENTS


Page

i


PART I - FINANCIAL INFORMATION


Item 1. Financial Statements


NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED BALANCE SHEETS
(In Thousands, Except Shares and Par Value per Share)
(Unaudited)
September 30,December 31,
20202019
ASSETS
Investments:
Debt securities, available-for-sale, at fair value (allowance for expected credit losses $1,085 - 2020) (Exchanges - $300,124 and $324,249; allowance for expected credit losses $150 - 2020)
$4,549,133 $4,476,358 
Short-term investments (Exchanges - $30,952 and $5,245)
510,800 67,353 
Other investments (related parties - $231,593 and $238,841)
282,866 311,287 
Total investments5,342,799 4,854,998 
Cash and cash equivalents (Exchanges - $416 and $959)
188,282 135,942 
Restricted cash and cash equivalents (Exchanges - $325 and $24)
63,061 28,521 
Accrued investment income (related parties - $1,210 and $2,391)
(Exchanges - $1,397 and $2,001)
26,135 30,927 
Premiums and other receivables (net of allowance for expected credit losses $37,163 - 2020; net of bad debt allowance $24,067 - 2019) (Exchanges - $70,076 and $55,859; net of allowance for expected credit losses $844 - 2020; net of bad debt allowance $541 - 2019)
1,598,316 1,428,948 
Deferred acquisition costs (Exchanges - $18,507 and $23,307)
284,963 263,523 
Reinsurance recoverable (net of allowance for expected credit losses $810 - 2020) (Exchanges - $125,095 and $119,125; net of allowance for expected credit losses $173 - 2020)
1,286,852 1,394,308 
Prepaid reinsurance premiums (Exchanges - $105,597 and $105,894)
458,960 575,747 
Property and equipment, net (Exchanges - $0 and $241)
382,696 403,827 
Intangible assets, net (Exchanges - $3,090 and $3,225)
345,974 365,823 
Goodwill179,328 179,328 
Prepaid and other assets (Exchanges - $4,312 and $3,521)
66,890 94,642 
Total assets$10,224,256 $9,756,534 
See accompanying notes to unaudited condensed consolidated financial statements.
1


NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED BALANCE SHEETS
(In Thousands, Except Shares and Par Value per Share)
(Unaudited)
September 30,December 31,
20202019
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Unpaid loss and loss adjustment expense reserves (Exchanges - $208,496 and $205,786)
$2,897,465 $2,886,414 
Unearned premiums and other revenue (Exchanges - $219,582 and $252,553)
2,337,469 2,312,241 
Reinsurance payable (Exchanges - $51,711 and $35,689)
402,428 562,844 
Accounts payable and accrued expenses (Exchanges - $7,604 and $8,497)
420,144 315,366 
Debt679,436 686,006 
Other liabilities (Exchanges - $44,004 and $30,803)
401,749 376,169 
Total liabilities$7,138,691 $7,139,040 
Contingencies (Note 10)
Stockholders’ equity:
Preferred stock, $0.01 par value - authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2020 and 2019; Aggregate liquidation preference $450,000 - 2020 and 2019
$450,000 $450,000 
Common stock, $0.01 par value - authorized 150,000,000 shares, issued 113,934,259 and 113,368,811 shares - 2020 and 2019, outstanding 113,475,176 and 113,368,811 shares - 2020 and 2019
1,139 1,134 
Treasury stock, at cost - 459,083 shares - 2020
(8,482) 
Additional paid-in capital1,073,288 1,065,634 
Accumulated other comprehensive income:
Unrealized foreign currency translation adjustment, net of tax(637)(202)
Unrealized gain on investments, net of tax195,590 74,750 
Total accumulated other comprehensive income194,953 74,548 
Retained earnings1,392,872 1,058,138 
Total National General Holdings Corp. stockholders’ equity3,103,770 2,649,454 
Noncontrolling interest(18,205)(31,960)
Total stockholders’ equity$3,085,565 $2,617,494 
Total liabilities and stockholders’ equity$10,224,256 $9,756,534 

See accompanying notes to unaudited condensed consolidated financial statements.
2



NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In Thousands, Except Per Share Data)
(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Revenues:
Net earned premium$1,178,573 $1,053,638 $3,319,346 $3,048,446 
Ceding commission income30,724 57,587 127,669 187,313 
Service and fee income184,969 161,626 545,002 476,041 
Net investment income 28,904 33,740 90,322 102,316 
Net gain (loss) on investments19,839 1,581 18,136 (3,627)
Total revenues1,443,009 1,308,172 4,100,475 3,810,489 
Expenses:
Loss and loss adjustment expense774,164 745,334 2,066,608 2,112,678 
Acquisition costs and other underwriting expenses268,645 209,090 726,265 615,134 
General and administrative expenses244,611 263,864 774,589 759,725 
Interest expense11,292 12,898 34,851 38,822 
Total expenses1,298,712 1,231,186 3,602,313 3,526,359 
Income before provision for income taxes
144,297 76,986 498,162 284,130 
Provision for income taxes27,428 16,747 106,107 61,494 
Net income116,869 60,239 392,055 222,636 
Net (income) loss attributable to noncontrolling interest(6,900)10,915 (14,753)18,152 
Net income attributable to NGHC109,969 71,154 377,302 240,788 
Dividends on preferred stock
(7,875)(7,875)(24,675)(24,675)
Net income attributable to NGHC common stockholders$102,094 $63,279 $352,627 $216,113 
Earnings Per Share (“EPS”) attributable to NGHC common stockholders:
Basic EPS$0.90 $0.56 $3.11 $1.91 
Diluted EPS$0.88 $0.54 $3.04 $1.87 

See accompanying notes to unaudited condensed consolidated financial statements.
3



NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(In Thousands)
(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Net income$116,869 $60,239 $392,055 $222,636 
Other comprehensive income:
Foreign currency translation adjustment62 (4,104)(550)(8,147)
Income tax effect(13)862 115 1,707 
Total foreign currency translation adjustment, net of tax49 (3,242)(435)(6,440)
Gross unrealized gain on investments before reclassifications17,347 33,294 173,235 190,266 
Income tax effect(3,644)(6,991)(36,380)(39,955)
Total change in net unrealized gain on investments, net of tax13,703 26,303 136,855 150,311 
Reclassification adjustments for investments gain or loss to net income:
Net realized gain on investments(19,393)(1,886)(21,350)(1,835)
Income tax effect4,073 396 4,484 385 
Total gain on investments reclassifications to net income, net of tax(15,320)(1,490)(16,866)(1,450)
Other comprehensive income (loss) before income tax effect(1,984)27,304 151,335 180,284 
Income tax effect416 (5,733)(31,781)(37,863)
Other comprehensive income (loss), net of tax(1,568)21,571 119,554 142,421 
Comprehensive income115,301 81,810 511,609 365,057 
Comprehensive income (loss) attributable to noncontrolling interest2,757 9,821 (13,902)8,248 
Comprehensive income attributable to NGHC$118,058 $91,631 $497,707 $373,305 

See accompanying notes to unaudited condensed consolidated financial statements.
4



NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
(In Thousands, Except Shares)
(Unaudited)


Three Months Ended September 30, 2020
Preferred StockCommon StockTreasury StockAdditional Paid-in CapitalAccumulated Other Comprehensive IncomeRetained EarningsNoncontrolling InterestTotal
Balance July 1, 2020$450,000 $1,139 $(8,482)$1,069,152 $186,864 $1,296,451 $(15,448)$2,979,676 
Net income— — — — — 109,969 6,900 116,869 
Foreign currency translation adjustment, net of tax— — — — 48 — — 48 
Change in unrealized gain (loss) on investments, net of tax— — — — 8,041 — (9,657)(1,616)
Common stock dividends declared— — — — — (5,673)— (5,673)
Preferred stock dividends declared— — — — — (7,875)— (7,875)
Common stock issued under employee stock plans and exercises of stock options—  — 1,134 — — — 1,134 
Shares withheld related to net share settlement— — — (156)— — — (156)
Stock-based compensation— — — 3,158 — — — 3,158 
Balance September 30, 2020$450,000 $1,139 $(8,482)$1,073,288 $194,953 $1,392,872 $(18,205)$3,085,565 


Three Months Ended September 30, 2019
Preferred StockCommon StockAdditional Paid-in CapitalAccumulated Other Comprehensive IncomeRetained EarningsNoncontrolling InterestTotal
Balance July 1, 2019$450,000 $1,132 $1,060,379 $59,910 $907,841 $(18,394)$2,460,868 
Net income (loss)— — — — 71,154 (10,915)60,239 
Foreign currency translation adjustment, net of tax— — — (3,242)— — (3,242)
Change in unrealized gain on investments, net of tax— — — 23,719 — 1,094 24,813 
Common stock dividends declared— — — — (5,665)— (5,665)
Preferred stock dividends declared— — — — (7,875)— (7,875)
Common stock issued under employee stock plans and exercises of stock options— 1 188 — — — 189 
Shares withheld related to net share settlement— — (493)— — — (493)
Stock-based compensation— — 2,785 — — — 2,785 
Balance September 30, 2019$450,000 $1,133 $1,062,859 $80,387 $965,455 $(28,215)$2,531,619 

See accompanying notes to unaudited condensed consolidated financial statements.
5



NATIONAL GENERAL HOLDINGS CORP.
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
(In Thousands, Except Shares)
(Unaudited)

Nine Months Ended September 30, 2020
Preferred StockCommon StockTreasury StockAdditional Paid-in CapitalAccumulated Other Comprehensive IncomeRetained EarningsNoncontrolling InterestTotal
Balance January 1, 2020$450,000 $1,134 $ $1,065,634 $74,548 $1,058,138 $(31,960)$2,617,494 
Cumulative-effect adjustment of change in accounting principle, net of tax— — — — — (863)(147)(1,010)
Net income— — — — — 377,302 14,753 392,055 
Foreign currency translation adjustment, net of tax— — — — (436)— — (436)
Change in unrealized gain (loss) on investments, net of tax— — — — 120,841 — (851)119,990 
Common stock repurchased— — (8,482)— — — — (8,482)
Common stock dividends declared— — — — — (17,030)— (17,030)
Preferred stock dividends declared— — — — — (24,675)— (24,675)
Common stock issued under employee stock plans and exercises of stock options— 5 — 1,965 —