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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.90
COVR's Cash to Debt is ranked higher than
61% of the 2118 Companies
in the Global Software - Application industry.

( Industry Median: 4.93 vs. COVR: 1.90 )
COVR' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 1.9

Equity to Asset 0.65
COVR's Equity to Asset is ranked higher than
73% of the 2048 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. COVR: 0.65 )
COVR' s 10-Year Equity to Asset Range
Min: -0.71   Max: 0.83
Current: 0.65

-0.71
0.83
F-Score: 6
Z-Score: 2.49
M-Score: -3.48
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 : 5/10

vs
industry
vs
history
Operating margin (%) -0.40
COVR's Operating margin (%) is ranked higher than
67% of the 2100 Companies
in the Global Software - Application industry.

( Industry Median: 5.37 vs. COVR: -0.40 )
COVR' s 10-Year Operating margin (%) Range
Min: -101.82   Max: 22.62
Current: -0.4

-101.82
22.62
Net-margin (%) -3.09
COVR's Net-margin (%) is ranked higher than
64% of the 2100 Companies
in the Global Software - Application industry.

( Industry Median: 3.67 vs. COVR: -3.09 )
COVR' s 10-Year Net-margin (%) Range
Min: -278.05   Max: 33.83
Current: -3.09

-278.05
33.83
ROE (%) -5.21
COVR's ROE (%) is ranked higher than
64% of the 2033 Companies
in the Global Software - Application industry.

( Industry Median: 6.20 vs. COVR: -5.21 )
COVR' s 10-Year ROE (%) Range
Min: -452.11   Max: 195.24
Current: -5.21

-452.11
195.24
ROA (%) -3.30
COVR's ROA (%) is ranked higher than
66% of the 2126 Companies
in the Global Software - Application industry.

( Industry Median: 3.37 vs. COVR: -3.30 )
COVR' s 10-Year ROA (%) Range
Min: -72.29   Max: 53.91
Current: -3.3

-72.29
53.91
ROC (Joel Greenblatt) (%) -12.24
COVR's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 2105 Companies
in the Global Software - Application industry.

( Industry Median: 29.03 vs. COVR: -12.24 )
COVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2800   Max: 470.65
Current: -12.24

-2800
470.65
Revenue Growth (3Y)(%) 4.70
COVR's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1666 Companies
in the Global Software - Application industry.

( Industry Median: 5.60 vs. COVR: 4.70 )
COVR' s 10-Year Revenue Growth (3Y)(%) Range
Min: -19.4   Max: 20.7
Current: 4.7

-19.4
20.7
EBITDA Growth (3Y)(%) -5.90
COVR's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1378 Companies
in the Global Software - Application industry.

( Industry Median: 7.20 vs. COVR: -5.90 )
COVR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.3   Max: 104.1
Current: -5.9

-26.3
104.1
» 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/B 2.10
COVR's P/B is ranked higher than
74% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 3.32 vs. COVR: 2.10 )
COVR' s 10-Year P/B Range
Min: 1.93   Max: 62
Current: 2.1

1.93
62
P/S 1.30
COVR's P/S is ranked higher than
78% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 2.67 vs. COVR: 1.30 )
COVR' s 10-Year P/S Range
Min: 0.74   Max: 3.87
Current: 1.3

0.74
3.87
PFCF 49.50
COVR's PFCF is ranked higher than
75% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 102.32 vs. COVR: 49.50 )
COVR' s 10-Year PFCF Range
Min: 3.94   Max: 99999999.99
Current: 49.5

3.94
99999999.99
POCF 8.83
COVR's POCF is ranked higher than
90% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 28.43 vs. COVR: 8.83 )
COVR' s 10-Year POCF Range
Min: 3.09   Max: 45
Current: 8.83

3.09
45
Shiller P/E 27.50
COVR's Shiller P/E is ranked higher than
88% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 0.00 vs. COVR: 27.50 )
COVR' s 10-Year Shiller P/E Range
Min: 10.8   Max: 120
Current: 27.5

10.8
120
Current Ratio 1.16
COVR's Current Ratio is ranked higher than
52% of the 2080 Companies
in the Global Software - Application industry.

( Industry Median: 1.88 vs. COVR: 1.16 )
COVR' s 10-Year Current Ratio Range
Min: 0.39   Max: 3.16
Current: 1.16

0.39
3.16
Quick Ratio 1.16
COVR's Quick Ratio is ranked higher than
55% of the 2080 Companies
in the Global Software - Application industry.

( Industry Median: 1.77 vs. COVR: 1.16 )
COVR' s 10-Year Quick Ratio Range
Min: 0.39   Max: 3.16
Current: 1.16

0.39
3.16
Days Sales Outstanding 30.44
COVR's Days Sales Outstanding is ranked higher than
89% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 84.50 vs. COVR: 30.44 )
COVR' s 10-Year Days Sales Outstanding Range
Min: 37.71   Max: 365
Current: 30.44

37.71
365

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 6.20
COVR's Price/Tangible Book is ranked higher than
70% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 8.39 vs. COVR: 6.20 )
COVR' s 10-Year Price/Tangible Book Range
Min: 3.03   Max: 56
Current: 6.2

3.03
56
Price/DCF (Projected) 2.90
COVR's Price/DCF (Projected) is ranked higher than
77% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 7.56 vs. COVR: 2.90 )
COVR' s 10-Year Price/DCF (Projected) Range
Min: 1.46   Max: 80
Current: 2.9

1.46
80
Price/Median PS Value 0.70
COVR's Price/Median PS Value is ranked higher than
91% of the 2303 Companies
in the Global Software - Application industry.

( Industry Median: 1.28 vs. COVR: 0.70 )
COVR' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 4.48
Current: 0.7

0.26
4.48
Earnings Yield (Greenblatt) -0.30
COVR's Earnings Yield (Greenblatt) is ranked higher than
58% of the 2102 Companies
in the Global Software - Application industry.

( Industry Median: 3.40 vs. COVR: -0.30 )
COVR' s 10-Year Earnings Yield (Greenblatt) Range
Min: -0.3   Max: 24.6
Current: -0.3

-0.3
24.6
Forward Rate of Return (Yacktman) -23.70
COVR's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1125 Companies
in the Global Software - Application industry.

( Industry Median: 12.92 vs. COVR: -23.70 )
COVR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24   Max: 36.7
Current: -23.7

-24
36.7

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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