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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.24
FRF's Cash to Debt is ranked higher than
71% of the 188 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. FRF: 0.24 )
FRF' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.24

Equity to Asset 0.24
FRF's Equity to Asset is ranked higher than
91% of the 186 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. FRF: 0.24 )
FRF' s 10-Year Equity to Asset Range
Min: 0.17   Max: 0.25
Current: 0.24

0.17
0.25
Interest Coverage 4.82
FRF's Interest Coverage is ranked higher than
73% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 vs. FRF: 4.82 )
FRF' s 10-Year Interest Coverage Range
Min: 1.68   Max: 4.82
Current: 4.82

1.68
4.82
F-Score: 5
Z-Score: 1.00
WACC vs ROIC
2.57%
8.73%
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 (%) 6.04
FRF's Operating margin (%) is ranked higher than
81% of the 188 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.00 vs. FRF: 6.04 )
FRF' s 10-Year Operating margin (%) Range
Min: 5.02   Max: 10.32
Current: 6.04

5.02
10.32
Net-margin (%) 6.21
FRF's Net-margin (%) is ranked higher than
86% of the 188 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. FRF: 6.21 )
FRF' s 10-Year Net-margin (%) Range
Min: 4.8   Max: 6.71
Current: 6.21

4.8
6.71
ROE (%) 13.68
FRF's ROE (%) is ranked higher than
92% of the 188 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.17 vs. FRF: 13.68 )
FRF' s 10-Year ROE (%) Range
Min: 10.82   Max: 17.16
Current: 13.68

10.82
17.16
ROA (%) 3.21
FRF's ROA (%) is ranked higher than
93% of the 188 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.82 vs. FRF: 3.21 )
FRF' s 10-Year ROA (%) Range
Min: 2.31   Max: 3.27
Current: 3.21

2.31
3.27
ROC (Joel Greenblatt) (%) 75.75
FRF's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 205.07 vs. FRF: 75.75 )
FRF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.19   Max: 811.95
Current: 75.75

33.19
811.95
Revenue Growth (3Y)(%) 8.90
FRF's Revenue Growth (3Y)(%) is ranked higher than
92% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.40 vs. FRF: 8.90 )
FRF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -38.4   Max: 8.9
Current: 8.9

-38.4
8.9
EBITDA Growth (3Y)(%) -7.80
FRF's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.10 vs. FRF: -7.80 )
FRF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -38.9   Max: -3.5
Current: -7.8

-38.9
-3.5
EPS Growth (3Y)(%) -17.20
FRF's EPS Growth (3Y)(%) is ranked higher than
72% of the 148 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.60 vs. FRF: -17.20 )
FRF' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.3   Max: -3
Current: -17.2

-38.3
-3
» FRF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

FRF Guru Trades in Q1 2014

Jim Simons 18,999 sh (New)
» More
Q2 2014

FRF Guru Trades in Q2 2014

Jim Simons Sold Out
» More
Q3 2014

FRF Guru Trades in Q3 2014

Jim Simons 35,700 sh (New)
» More
Q4 2014

FRF Guru Trades in Q4 2014

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FRF

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



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.10
FRF's P/E(ttm) is ranked higher than
94% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.40 vs. FRF: 9.10 )
FRF' s 10-Year P/E(ttm) Range
Min: 5.7   Max: 14.08
Current: 9.1

5.7
14.08
Forward P/E 7.08
FRF's Forward P/E is ranked higher than
97% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.95 vs. FRF: 7.08 )
N/A
PE(NRI) 15.60
FRF's PE(NRI) is ranked higher than
81% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.20 vs. FRF: 15.60 )
FRF' s 10-Year PE(NRI) Range
Min: 7.16   Max: 16.76
Current: 15.6

7.16
16.76
P/B 1.15
FRF's P/B is ranked higher than
83% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.09 vs. FRF: 1.15 )
FRF' s 10-Year P/B Range
Min: 0.79   Max: 1.95
Current: 1.15

0.79
1.95
P/S 0.57
FRF's P/S is ranked higher than
87% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.62 vs. FRF: 0.57 )
FRF' s 10-Year P/S Range
Min: 0.37   Max: 0.93
Current: 0.57

0.37
0.93
PFCF 11.59
FRF's PFCF is ranked higher than
86% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.05 vs. FRF: 11.59 )
FRF' s 10-Year PFCF Range
Min: 3.82   Max: 223.75
Current: 11.59

3.82
223.75
POCF 10.39
FRF's POCF is ranked higher than
83% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.14 vs. FRF: 10.39 )
FRF' s 10-Year POCF Range
Min: 3.53   Max: 44
Current: 10.39

3.53
44
EV-to-EBIT 9.75
FRF's EV-to-EBIT is ranked higher than
82% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.75 vs. FRF: 9.75 )
FRF' s 10-Year EV-to-EBIT Range
Min: 6.8   Max: 17.9
Current: 9.75

6.8
17.9
Days Sales Outstanding 93.13
FRF's Days Sales Outstanding is ranked higher than
92% of the 197 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. FRF: 93.13 )
FRF' s 10-Year Days Sales Outstanding Range
Min: 19.62   Max: 464.49
Current: 93.13

19.62
464.49

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 10.30
FRF's Earnings Yield (Greenblatt) is ranked higher than
81% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.90 vs. FRF: 10.30 )
FRF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 14.8
Current: 10.3

5.6
14.8
Forward Rate of Return (Yacktman) 24.80
FRF's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.12 vs. FRF: 24.80 )
FRF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 24.8   Max: 24.9
Current: 24.8

24.8
24.9

Business Description

Industry: Insurance » Insurance - Diversified
Compare: » details
Fortegra Financial Corp was incorporated in 1981 in the State of Georgia and re-incorporated in the State of Delaware in 2010. On December 17, 2010, Company completed its initial public offering and began trading on the New York Stock Exchange ("NYSE") under the symbol "FRF". The Company is an insurance services company offering range of revenue enhancing products, including payment protection products, motor club memberships, service contracts, device and warranty services, and administration services, to its business partners, including insurance companies, retailers, dealers, insurance brokers and agents and financial services companies. The Company specializes in offering products that protect lenders and their customers from death, disability or other events that could otherwise impair their ability to repay a debt. It also offer warranty and other service contracts for mobile handsets, furniture and major appliances, as well as motor club solutions for consumers through its retail, auto, and financing clients. It provides an assortment of administrative services tailored to insurance and other financial services companies through a virtual insurance company platform. It offers products marketed under Life of the South, ProtectCELL, 4Warranty, Continental Car Club, United Motor Club and Auto Knight Motor Club brands. Through these brands, Company deliver credit insurance, debt protection, warranty and other service contracts, motor club solutions and membership plans to consumer finance companies, regional banks, community banks, retailers, small loan companies, warranty administrators, automobile dealers, vacation ownership developers, credit unions and independent wireless retailers. The Company also owns and operates insurance company subsidiaries to facilitate, on behalf of clients, the distribution of credit insurance and payment protection services and products. It also offers a range of administrative services, under Consecta brand, tailored to insurance and other financial services companies. The Company leverages its technology, and the capacity and expertise of its operations team, to provide sales and marketing, electronic underwriting, premium billing and collections, policy administration, claims adjudication and call center management services on behalf of clients. The Company's competitors include; payment protection groups of The Warranty Group, Assurant, Inc., eSecuritel Holdings, LLC, Asurion, LLC, Global Warranty Group, LLC and smaller regional companies. The Company business is subject to extensive regulation and supervision, including at the federal, state, local and foreign levels.
» More Articles for FRF

Headlines

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