Switch to:

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 1.02
COVR's Cash to Debt is ranked lower than
53% of the 1684 Companies
in the Global Software - Application industry.

( Industry Median: 24.11 vs. COVR: 1.02 )
COVR' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 1.02

Equity to Asset 0.64
COVR's Equity to Asset is ranked higher than
69% of the 1630 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. COVR: 0.64 )
COVR' s 10-Year Equity to Asset Range
Min: -0.71   Max: 0.83
Current: 0.64

-0.71
0.83
F-Score: 4
Z-Score: 1.80
M-Score: -4.90
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 (%) -11.76
COVR's Operating margin (%) is ranked lower than
54% of the 1596 Companies
in the Global Software - Application industry.

( Industry Median: 5.62 vs. COVR: -11.76 )
COVR' s 10-Year Operating margin (%) Range
Min: -101.82   Max: 22.62
Current: -11.76

-101.82
22.62
Net-margin (%) -14.15
COVR's Net-margin (%) is ranked lower than
53% of the 1595 Companies
in the Global Software - Application industry.

( Industry Median: 3.80 vs. COVR: -14.15 )
COVR' s 10-Year Net-margin (%) Range
Min: -278.05   Max: 33.83
Current: -14.15

-278.05
33.83
ROE (%) -26.55
COVR's ROE (%) is ranked lower than
57% of the 1559 Companies
in the Global Software - Application industry.

( Industry Median: 6.80 vs. COVR: -26.55 )
COVR' s 10-Year ROE (%) Range
Min: -122.45   Max: 956.1
Current: -26.55

-122.45
956.1
ROA (%) -15.48
COVR's ROA (%) is ranked lower than
56% of the 1614 Companies
in the Global Software - Application industry.

( Industry Median: 3.56 vs. COVR: -15.48 )
COVR' s 10-Year ROA (%) Range
Min: -135.71   Max: 41.27
Current: -15.48

-135.71
41.27
ROC (Joel Greenblatt) (%) -339.63
COVR's ROC (Joel Greenblatt) (%) is ranked lower than
59% of the 1594 Companies
in the Global Software - Application industry.

( Industry Median: 34.51 vs. COVR: -339.63 )
COVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1400   Max: 641.76
Current: -339.63

-1400
641.76
Revenue Growth (%) 4.70
COVR's Revenue Growth (%) is ranked higher than
67% of the 1378 Companies
in the Global Software - Application industry.

( Industry Median: 6.20 vs. COVR: 4.70 )
COVR' s 10-Year Revenue Growth (%) Range
Min: -19.4   Max: 20.7
Current: 4.7

-19.4
20.7
EBITDA Growth (%) -5.90
COVR's EBITDA Growth (%) is ranked higher than
59% of the 1105 Companies
in the Global Software - Application industry.

( Industry Median: 7.80 vs. COVR: -5.90 )
COVR' s 10-Year EBITDA Growth (%) 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

Insider Trades

Latest Guru Trades with COVR



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 2.80
COVR's P/B is ranked higher than
67% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 2.99 vs. COVR: 2.80 )
COVR' s 10-Year P/B Range
Min: 1.93   Max: 62
Current: 2.8

1.93
62
P/S 1.72
COVR's P/S is ranked higher than
72% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 2.41 vs. COVR: 1.72 )
COVR' s 10-Year P/S Range
Min: 0.74   Max: 3.87
Current: 1.72

0.74
3.87
PFCF 17.60
COVR's PFCF is ranked higher than
87% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 154.41 vs. COVR: 17.60 )
COVR' s 10-Year PFCF Range
Min: 3.94   Max: 99999999.99
Current: 17.6

3.94
99999999.99
EV-to-EBIT -12.07
COVR's EV-to-EBIT is ranked higher than
54% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 35.24 vs. COVR: -12.07 )
COVR' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 191.8
Current: -12.07

4.1
191.8
Shiller P/E 25.20
COVR's Shiller P/E is ranked higher than
92% of the 1825 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. COVR: 25.20 )
COVR' s 10-Year Shiller P/E Range
Min: 10.8   Max: 120
Current: 25.2

10.8
120
Current Ratio 1.24
COVR's Current Ratio is ranked lower than
51% of the 1659 Companies
in the Global Software - Application industry.

( Industry Median: 1.92 vs. COVR: 1.24 )
COVR' s 10-Year Current Ratio Range
Min: 0.39   Max: 3.16
Current: 1.24

0.39
3.16
Quick Ratio 1.24
COVR's Quick Ratio is ranked higher than
52% of the 1659 Companies
in the Global Software - Application industry.

( Industry Median: 1.80 vs. COVR: 1.24 )
COVR' s 10-Year Quick Ratio Range
Min: 0.39   Max: 3.16
Current: 1.24

0.39
3.16

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 12.30
COVR's Price/Tangible Book is ranked higher than
56% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 7.54 vs. COVR: 12.30 )
COVR' s 10-Year Price/Tangible Book Range
Min: 2.17   Max: 56
Current: 12.3

2.17
56
Price/DCF (Projected) 2.00
COVR's Price/DCF (Projected) is ranked higher than
84% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. COVR: 2.00 )
COVR' s 10-Year Price/DCF (Projected) Range
Min: 1.46   Max: 27.5
Current: 2

1.46
27.5
Price/Median PS Value 0.90
COVR's Price/Median PS Value is ranked higher than
85% of the 1826 Companies
in the Global Software - Application industry.

( Industry Median: 1.20 vs. COVR: 0.90 )
COVR' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 4.41
Current: 0.9

0.26
4.41
Earnings Yield (Greenblatt) 2.50
COVR's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1390 Companies
in the Global Software - Application industry.

( Industry Median: 5.70 vs. COVR: 2.50 )
COVR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 24.6
Current: 2.5

0.5
24.6
Forward Rate of Return (Yacktman) 3.83
COVR's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1202 Companies
in the Global Software - Application industry.

( Industry Median: 5.86 vs. COVR: 3.83 )
COVR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.5   Max: 49.6
Current: 3.83

-4.5
49.6

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. and changed its name to Warner Insurance Services, Inc. in March 1992. In June 1996, the Company changed its name to Cover-All Technologies Inc. The Company provides P&C insurance professionals a robust state-of-the-art, browser-based family of Policy, Business Intelligence, & Claims solutions designed to deliver products to market faster, enhance quality, ensure compliance, & reduce costs.The Company also offers ongoing support services including incorporating recent insurance rate and rule changes in its solutions. These support services also include analyzing the changes, developments, quality assurance, documentation and distribution of insurance rate and rule changes. The software products and services focus on the functions required to underwrite, rate, quote, issue, print, bill and support the entire lifecycle of insurance policies. Its products and services combine an in-depth knowledge of property and casualty insurance with an innovative and proprietary platform using state-of-the-art technology. Its products provide common insurance functionality available on an 'off-the-shelf' basis yet also provide flexibility for accommodating a high degree of customization for its customers to compete in the marketplace through differentiation. The Company's customers include insurance companies, agents, brokers and managing general agents. Its proprietary technology solutions and services are designed to reduce information technology costs and enable rapid product deployment for its customers.
» More Articles for COVR

Headlines

Articles On GuruFocus.com
Cover-All Technologies Inc. to Host Year-End and Fourth Quarter 2008 Financial Results Conference Ca Feb 10 2009 

More From Other Websites
Cover-All Policy Featured in Novarica Specialty Lines Report Jul 24 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 15 2014
Cover-All Business Update Jul 15 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Financial Statements and Exhibits Jun 13 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 05 2014
COVER ALL TECHNOLOGIES INC Financials May 23 2014
Society Insurance Deploys Cover-All Policy for Commercial Auto Rating, Underwriting, Quoting and... May 21 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Results of Operations and Financial Condition May 15 2014
Cover-All Announces First Quarter 2014 Results May 15 2014
Q1 2014 Cover-All Technologies Inc Earnings Release - After Market Close May 15 2014
Cover-All Technologies Inc. to Report First Quarter 2014 Financial Results on May 15, 2014 May 08 2014
Steve Isaac Appointed to Cover-All Board of Directors Apr 01 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 11 2014
The Market Is Ignoring The Incredible Transformation At Cover-All Technologies Mar 04 2014
COVER ALL TECHNOLOGIES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 20 2014
Cover-All Announces 2013 Fourth Quarter and Full-Year Financial Results Feb 20 2014
Cover-All Technologies Inc. to Report 2013 Financial Results on February 20, 2014 Feb 13 2014
Cover-All Policy Profiled in Celent Report as a “Strong Offering” Jan 30 2014
Cover-All Announces Earl Gallegos as Non-Executive Chairman Jan 17 2014
Cover-All Announces Promotion of Aaron Herrmann Jan 07 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide