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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.94
COVR's Cash to Debt is ranked lower than
68% of the 1781 Companies
in the Global Software - Application industry.

( Industry Median: 20.60 vs. COVR: 1.94 )
Ranked among companies with meaningful Cash to Debt only.
COVR' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.75 Max: No Debt
Current: 1.94
Equity to Asset 0.65
COVR's Equity to Asset is ranked higher than
57% of the 1579 Companies
in the Global Software - Application industry.

( Industry Median: 0.61 vs. COVR: 0.65 )
Ranked among companies with meaningful Equity to Asset only.
COVR' s 10-Year Equity to Asset Range
Min: -0.71  Med: 0.39 Max: 0.83
Current: 0.65
-0.71
0.83
Interest Coverage 2.16
COVR's Interest Coverage is ranked lower than
95% of the 1164 Companies
in the Global Software - Application industry.

( Industry Median: 10000.00 vs. COVR: 2.16 )
Ranked among companies with meaningful Interest Coverage only.
COVR' s 10-Year Interest Coverage Range
Min: 1.67  Med: 53.81 Max: 9999.99
Current: 2.16
1.67
9999.99
F-Score: 8
Z-Score: 2.09
M-Score: -2.97
WACC vs ROIC
3.24%
4.43%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 2.97
COVR's Operating margin (%) is ranked lower than
58% of the 1748 Companies
in the Global Software - Application industry.

( Industry Median: 5.11 vs. COVR: 2.97 )
Ranked among companies with meaningful Operating margin (%) only.
COVR' s 10-Year Operating margin (%) Range
Min: -101.82  Med: -3.75 Max: 22.62
Current: 2.97
-101.82
22.62
Net-margin (%) 0.64
COVR's Net-margin (%) is ranked lower than
63% of the 1748 Companies
in the Global Software - Application industry.

( Industry Median: 3.20 vs. COVR: 0.64 )
Ranked among companies with meaningful Net-margin (%) only.
COVR' s 10-Year Net-margin (%) Range
Min: -278.05  Med: 1.34 Max: 33.83
Current: 0.64
-278.05
33.83
ROE (%) 1.11
COVR's ROE (%) is ranked lower than
63% of the 1703 Companies
in the Global Software - Application industry.

( Industry Median: 6.27 vs. COVR: 1.11 )
Ranked among companies with meaningful ROE (%) only.
COVR' s 10-Year ROE (%) Range
Min: -452.11  Med: 5.31 Max: 195.24
Current: 1.11
-452.11
195.24
ROA (%) 0.71
COVR's ROA (%) is ranked lower than
60% of the 1788 Companies
in the Global Software - Application industry.

( Industry Median: 3.29 vs. COVR: 0.71 )
Ranked among companies with meaningful ROA (%) only.
COVR' s 10-Year ROA (%) Range
Min: -72.29  Med: 1.93 Max: 53.91
Current: 0.71
-72.29
53.91
ROC (Joel Greenblatt) (%) 112.55
COVR's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 1761 Companies
in the Global Software - Application industry.

( Industry Median: 24.35 vs. COVR: 112.55 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
COVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2800  Med: 54.36 Max: 471.17
Current: 112.55
-2800
471.17
Revenue Growth (3Y)(%) 4.20
COVR's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1315 Companies
in the Global Software - Application industry.

( Industry Median: 5.30 vs. COVR: 4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
COVR' s 10-Year Revenue Growth (3Y)(%) Range
Min: -19.4  Med: 4.70 Max: 20.7
Current: 4.2
-19.4
20.7
EBITDA Growth (3Y)(%) -5.90
COVR's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1053 Companies
in the Global Software - Application industry.

( Industry Median: 6.80 vs. COVR: -5.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
COVR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.3  Med: -5.90 Max: 104.1
Current: -5.9
-26.3
104.1
EPS Growth (3Y)(%) -41.50
COVR's EPS Growth (3Y)(%) is ranked lower than
89% of the 975 Companies
in the Global Software - Application industry.

( Industry Median: 6.70 vs. COVR: -41.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
COVR' s 10-Year EPS Growth (3Y)(%) Range
Min: -41.5  Med: -13.95 Max: 33.9
Current: -41.5
-41.5
33.9
» COVR's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 105.60
COVR's P/E(ttm) is ranked lower than
88% of the 1109 Companies
in the Global Software - Application industry.

( Industry Median: 24.00 vs. COVR: 105.60 )
Ranked among companies with meaningful P/E(ttm) only.
COVR' s 10-Year P/E(ttm) Range
Min: 3.88  Med: 13.18 Max: 187.5
Current: 105.6
3.88
187.5
PE(NRI) 95.00
COVR's PE(NRI) is ranked lower than
88% of the 1101 Companies
in the Global Software - Application industry.

( Industry Median: 23.80 vs. COVR: 95.00 )
Ranked among companies with meaningful PE(NRI) only.
COVR' s 10-Year PE(NRI) Range
Min: 3.94  Med: 13.38 Max: 187.5
Current: 95
3.94
187.5
P/B 2.11
COVR's P/B is ranked higher than
58% of the 1572 Companies
in the Global Software - Application industry.

( Industry Median: 2.63 vs. COVR: 2.11 )
Ranked among companies with meaningful P/B only.
COVR' s 10-Year P/B Range
Min: 1.93  Med: 3.10 Max: 62
Current: 2.11
1.93
62
P/S 1.22
COVR's P/S is ranked higher than
64% of the 1715 Companies
in the Global Software - Application industry.

( Industry Median: 2.00 vs. COVR: 1.22 )
Ranked among companies with meaningful P/S only.
COVR' s 10-Year P/S Range
Min: 0.74  Med: 1.87 Max: 3.87
Current: 1.22
0.74
3.87
POCF 10.56
COVR's POCF is ranked higher than
73% of the 1017 Companies
in the Global Software - Application industry.

( Industry Median: 17.74 vs. COVR: 10.56 )
Ranked among companies with meaningful POCF only.
COVR' s 10-Year POCF Range
Min: 3.09  Med: 12.29 Max: 45
Current: 10.56
3.09
45
EV-to-EBIT 38.44
COVR's EV-to-EBIT is ranked lower than
76% of the 1149 Companies
in the Global Software - Application industry.

( Industry Median: 16.13 vs. COVR: 38.44 )
Ranked among companies with meaningful EV-to-EBIT only.
COVR' s 10-Year EV-to-EBIT Range
Min: -381.7  Med: 6.50 Max: 191.8
Current: 38.44
-381.7
191.8
Shiller P/E 79.95
COVR's Shiller P/E is ranked lower than
84% of the 699 Companies
in the Global Software - Application industry.

( Industry Median: 28.94 vs. COVR: 79.95 )
Ranked among companies with meaningful Shiller P/E only.
COVR' s 10-Year Shiller P/E Range
Min: 10.8  Med: 25.75 Max: 130.8
Current: 79.95
10.8
130.8
Current Ratio 1.31
COVR's Current Ratio is ranked lower than
75% of the 1625 Companies
in the Global Software - Application industry.

( Industry Median: 2.07 vs. COVR: 1.31 )
Ranked among companies with meaningful Current Ratio only.
COVR' s 10-Year Current Ratio Range
Min: 0.39  Med: 1.22 Max: 3.16
Current: 1.31
0.39
3.16
Quick Ratio 1.31
COVR's Quick Ratio is ranked lower than
70% of the 1625 Companies
in the Global Software - Application industry.

( Industry Median: 1.92 vs. COVR: 1.31 )
Ranked among companies with meaningful Quick Ratio only.
COVR' s 10-Year Quick Ratio Range
Min: 0.39  Med: 1.22 Max: 3.16
Current: 1.31
0.39
3.16
Days Sales Outstanding 43.99
COVR's Days Sales Outstanding is ranked higher than
76% of the 1511 Companies
in the Global Software - Application industry.

( Industry Median: 69.32 vs. COVR: 43.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
COVR' s 10-Year Days Sales Outstanding Range
Min: 37.71  Med: 74.71 Max: 365
Current: 43.99
37.71
365

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 15.83
COVR's Price/Net Current Asset Value is ranked lower than
77% of the 1036 Companies
in the Global Software - Application industry.

( Industry Median: 6.56 vs. COVR: 15.83 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
COVR' s 10-Year Price/Net Current Asset Value Range
Min: 3.86  Med: 13.86 Max: 212.5
Current: 15.83
3.86
212.5
Price/Tangible Book 5.00
COVR's Price/Tangible Book is ranked lower than
57% of the 1327 Companies
in the Global Software - Application industry.

( Industry Median: 4.00 vs. COVR: 5.00 )
Ranked among companies with meaningful Price/Tangible Book only.
COVR' s 10-Year Price/Tangible Book Range
Min: 3.03  Med: 9.31 Max: 56
Current: 5
3.03
56
Price/Projected FCF 5.00
COVR's Price/Projected FCF is ranked lower than
84% of the 823 Companies
in the Global Software - Application industry.

( Industry Median: 1.66 vs. COVR: 5.00 )
Ranked among companies with meaningful Price/Projected FCF only.
COVR' s 10-Year Price/Projected FCF Range
Min: 1.51  Med: 3.02 Max: 80
Current: 5
1.51
80
Price/Median PS Value 0.65
COVR's Price/Median PS Value is ranked higher than
86% of the 1520 Companies
in the Global Software - Application industry.

( Industry Median: 1.11 vs. COVR: 0.65 )
Ranked among companies with meaningful Price/Median PS Value only.
COVR' s 10-Year Price/Median PS Value Range
Min: 0.27  Med: 0.97 Max: 4.48
Current: 0.65
0.27
4.48
Price/Graham Number 6.79
COVR's Price/Graham Number is ranked lower than
88% of the 853 Companies
in the Global Software - Application industry.

( Industry Median: 2.03 vs. COVR: 6.79 )
Ranked among companies with meaningful Price/Graham Number only.
COVR' s 10-Year Price/Graham Number Range
Min: 0.88  Med: 2.56 Max: 26.67
Current: 6.79
0.88
26.67
Earnings Yield (Greenblatt) (%) 2.60
COVR's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1711 Companies
in the Global Software - Application industry.

( Industry Median: 2.80 vs. COVR: 2.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
COVR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 5.70 Max: 24.6
Current: 2.6
0.5
24.6
Forward Rate of Return (Yacktman) (%) -25.73
COVR's Forward Rate of Return (Yacktman) (%) is ranked lower than
94% of the 694 Companies
in the Global Software - Application industry.

( Industry Median: 10.48 vs. COVR: -25.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
COVR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -26  Med: 2.70 Max: 34.3
Current: -25.73
-26
34.3

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
Cover-All Technologies Inc, was incorporated in Delaware in April 1985 as Warner Computer Systems, Inc. In June 1996, it changed its name to Cover-All Technologies Inc. The Company is a supplier of software products for the property and casualty insurance industry, supplying a range of professional services that support product customization, conversion from existing systems and data integration with other software or reporting agencies. It also offers on-going support services including incorporating recent insurance rate and rule changes in its solutions. It provides advanced, cost-effective business-focused solutions to the property and casualty insurance industry. Its customers include insurance companies, agents, brokers and managing general agents. Its proprietary technology solutions and services are designed to enable its customers to introduce new products quickly, expand their distribution channels, reduce costs and improve service to their customers. In addition, it also offers Business Intelligence suite of products to enable its customers to leverage their information assets for real time business insights and risk selection, pricing and financial reporting. The Company's software products and services focuses on the functions required to underwrite, rate, quote, issue, print, bill and support the entire lifecycle of insurance policies and with the BlueWave acquisition, the important claims functions. Its products and services combine an in-depth knowledge of property and casualty insurance and proprietary technology platform. Its products provide insurance functionality available on an off-the-shelf basis yet also provides additional flexibility for accommodating a high degree of customization for its customers. The Company provides a range of professional services including Cover-All software implementations, ongoing product customizations, conversion from existing systems, data integration with other software or reporting agencies and technical services related to Cover-All software. It also offers ongoing support services including incorporating recent insurance rates, rules and forms changes. These support services provides turnkey solutions to its customers as it performs analysis, development, quality assurance, documentation and distribution for delivering changes in a timely fashion. Cover-All is focused on core systems and data analytics for the property and casualty insurance marketplace. It offers three categories of product suites. Core system products include Policy and Claims that are part of a modular integrated suite. Studio products include Dev Studio, Test Studio and Conversion Studio for managing development, testing and configuration aspects of insurance products for Cover-All Policy. Finally, data analytics products includes various data repositories specifically designed for property and casualty insurance as well as business intelligence capabilities such as reports, KPIs and dashboards and ot
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