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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.15
EMG's Cash to Debt is ranked lower than
89% of the 1188 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.15 vs. EMG: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
EMG' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.35 Max: No Debt
Current: 0.15
Equity to Asset 0.39
EMG's Equity to Asset is ranked higher than
95% of the 1677 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. EMG: 0.39 )
Ranked among companies with meaningful Equity to Asset only.
EMG' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.49 Max: 0.86
Current: 0.39
0.03
0.86
M-Score: -0.51
WACC vs ROIC
8.28%
-7.19%
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 : 1/10

vs
industry
vs
history
Operating margin (%) -95.46
EMG's Operating margin (%) is ranked lower than
99% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.14 vs. EMG: -95.46 )
Ranked among companies with meaningful Operating margin (%) only.
EMG' s Operating margin (%) Range Over the Past 10 Years
Min: -234.1  Med: -15.94 Max: 58.22
Current: -95.46
-234.1
58.22
Net-margin (%) -80.76
EMG's Net-margin (%) is ranked lower than
99% of the 1694 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.52 vs. EMG: -80.76 )
Ranked among companies with meaningful Net-margin (%) only.
EMG' s Net-margin (%) Range Over the Past 10 Years
Min: -233.89  Med: -16.51 Max: 73.34
Current: -80.76
-233.89
73.34
ROE (%) -15.13
EMG's ROE (%) is ranked lower than
97% of the 1689 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.37 vs. EMG: -15.13 )
Ranked among companies with meaningful ROE (%) only.
EMG' s ROE (%) Range Over the Past 10 Years
Min: -142.31  Med: -31.95 Max: 40.82
Current: -15.13
-142.31
40.82
ROA (%) -6.58
EMG's ROA (%) is ranked lower than
99% of the 1698 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.89 vs. EMG: -6.58 )
Ranked among companies with meaningful ROA (%) only.
EMG' s ROA (%) Range Over the Past 10 Years
Min: -23.31  Med: -5.02 Max: 25.7
Current: -6.58
-23.31
25.7
Revenue Growth (3Y)(%) 28.60
EMG's Revenue Growth (3Y)(%) is ranked higher than
95% of the 1391 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.70 vs. EMG: 28.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EMG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -67.8  Med: -41.90 Max: 28.6
Current: 28.6
-67.8
28.6
EPS Growth (3Y)(%) -16.30
EMG's EPS Growth (3Y)(%) is ranked lower than
89% of the 1270 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. EMG: -16.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EMG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -50.9  Med: -10.30 Max: 9.3
Current: -16.3
-50.9
9.3
» EMG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-04)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

EMG Guru Trades in

Q3 2015

EMG Guru Trades in Q3 2015

Murray Stahl 2,199,813 sh (New)
» More
Q4 2015

EMG Guru Trades in Q4 2015

Murray Stahl 2,021,021 sh (-8.13%)
» More
Q1 2016

EMG Guru Trades in Q1 2016

Murray Stahl 1,952,541 sh (-3.39%)
» More
» Details

Insider Trades

Latest Guru Trades with EMG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Specialty Finance
Compare:BOM:511676, TSX:FC, NYSE:OCN, TSX:DIV, HKSE:00211, NAS:MRLN » details
Traded in other countries:3I4.Germany,
Emergent Capital Inc is a specialty finance company. The Company invests in esoteric asset classes, including life settlements. It purchases individual policies and portfolios of life insurance policies.

Emergent Capital Inc was founded in December 2006 as a Florida limited liability company, Imperial Holdings, LLC, converted into Imperial Holdings, Inc. on February 3, 2011, in connection with the Company's initial public offering. The Company changed its name from Imperial Holdings, Inc, to Emergent Capital Inc on September 1, 2015. It is a specialty finance company. The Company operates in two segments: life finance and structured settlements. In the life finance business, the Company owns a portfolio of 612 life insurance policies and earns income from changes in the fair value and from death benefits on matured life insurance policies. In the structured settlement business, the Company purchased structured settlement receivables at a discounted rate and sells these receivables to third parties. The life insurance policies in Imperial's portfolio were acquired through a combination of policy surrenders or foreclosures in satisfaction of loans issued under the Company's legacy premium finance business, direct policy purchases from the original policy owners (the secondary market) and from purchases of policies owned by other institutional investors (the tertiary market). Structured settlements refer to a contract between a plaintiff and defendant whereby the plaintiff agrees to settle a lawsuit (usually a personal injury, product liability or medical malpractice claim) in exchange for periodic payments over time. A defendant's payment obligation with respect to a structured settlement is usually assumed by a casualty insurance company. This payment obligation is then satisfied by the casualty insurer through the purchase of an annuity from a life insurance company, which provides a stream of payments to the plaintiff. The Company competes in the life finance space through two channels: other life settlement providers and institutional investors.

Ratios

vs
industry
vs
history
P/B 0.49
EMG's P/B is ranked higher than
84% of the 1697 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.03 vs. EMG: 0.49 )
Ranked among companies with meaningful P/B only.
EMG' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.65 Max: 1.17
Current: 0.49
0.17
1.17
P/S 2.08
EMG's P/S is ranked higher than
69% of the 1697 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.92 vs. EMG: 2.08 )
Ranked among companies with meaningful P/S only.
EMG' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 2.25 Max: 35.66
Current: 2.08
0.21
35.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.49
EMG's Price/Tangible Book is ranked higher than
84% of the 1698 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. EMG: 0.49 )
Ranked among companies with meaningful Price/Tangible Book only.
EMG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 0.65 Max: 1.03
Current: 0.49
0.23
1.03
Price/Median PS Value 0.92
EMG's Price/Median PS Value is ranked higher than
66% of the 1617 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.00 vs. EMG: 0.92 )
Ranked among companies with meaningful Price/Median PS Value only.
EMG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 0.89 Max: 14.54
Current: 0.92
0.14
14.54
Earnings Yield (Greenblatt) (%) -3.47
EMG's Earnings Yield (Greenblatt) (%) is ranked lower than
93% of the 1722 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.12 vs. EMG: -3.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EMG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -3.48  Med: 8.90 Max: 111.6
Current: -3.47
-3.48
111.6

More Statistics

Revenue (TTM) (Mil) $42.37
EPS (TTM) $ -1.21
Beta0.40
Short Percentage of Float3.83%
52-Week Range $3.49 - 6.70
Shares Outstanding (Mil)27.52
» More Articles for EMG

Headlines

Articles On GuruFocus.com
Special Opportunities Fund Shareholder Letter - August 29, 2014 Oct 13 2014 
Imperial Holdings: Trough Valuations, Materially Undervalued May 16 2014 

More From Other Websites
Emergent Capital Announces Annual Meeting and Investor Presentation Webcast May 24 2016
Emergent Capital Announces Annual Meeting and Investor Presentation Webcast May 24 2016
Emergent Capital, Inc. :EMG-US: Earnings Analysis: Q1, 2016 By the Numbers May 18 2016
EMERGENT CAPITAL, INC. Financials May 17 2016
Edited Transcript of EMG earnings conference call or presentation 9-May-16 8:30pm GMT May 09 2016
Emergent Capital reports 1Q loss May 09 2016
Emergent Capital reports 1Q loss May 09 2016
EMERGENT CAPITAL, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Change in... May 09 2016
Emergent Capital, Inc. Announces First Quarter 2016 Results May 09 2016
Emergent Capital, Inc. Announces First Quarter 2016 Results May 09 2016
Q1 2016 Emergent Capital Inc Earnings Release - After Market Close May 09 2016
EMERGENT CAPITAL, INC. Files SEC form 8-K, Other Events May 04 2016
MiX Telematics Reveals Plan To Buyback Shares Held By Imperial Holdings May 03 2016
Emergent Capital Announces First Quarter 2016 Earnings Conference Call May 02 2016
Emergent Capital Announces First Quarter 2016 Earnings Conference Call May 02 2016
New Strong Sell Stocks for May 2nd May 02 2016
EMERGENT CAPITAL, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a... Mar 28 2016
Edited Transcript of EMG earnings conference call or presentation 14-Mar-16 9:00pm GMT Mar 14 2016
Emergent Capital reports 4Q loss Mar 14 2016
Emergent Capital reports 4Q loss Mar 14 2016

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