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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 6.62
FRF's Cash to Debt is ranked higher than
85% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.74 vs. FRF: 6.62 )
FRF' s 10-Year Cash to Debt Range
Min: 0.17   Max: 6.62
Current: 6.62

0.17
6.62
Equity to Asset 0.24
FRF's Equity to Asset is ranked higher than
92% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. FRF: 0.24 )
FRF' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.24
Current: 0.24

0.13
0.24
Interest Coverage 4.82
FRF's Interest Coverage is ranked higher than
74% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.76 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: 6
Z-Score: 0.88
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 : 8/10

vs
industry
vs
history
Operating margin (%) 5.02
FRF's Operating margin (%) is ranked higher than
75% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.75 vs. FRF: 5.02 )
FRF' s 10-Year Operating margin (%) Range
Min: 5.02   Max: 10.32
Current: 5.02

5.02
10.32
Net-margin (%) 6.53
FRF's Net-margin (%) is ranked higher than
84% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.79 vs. FRF: 6.53 )
FRF' s 10-Year Net-margin (%) Range
Min: 4.8   Max: 6.71
Current: 6.53

4.8
6.71
ROE (%) 14.16
FRF's ROE (%) is ranked higher than
97% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.04 vs. FRF: 14.16 )
FRF' s 10-Year ROE (%) Range
Min: 10.67   Max: 14.57
Current: 14.16

10.67
14.57
ROA (%) 3.34
FRF's ROA (%) is ranked higher than
94% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.72 vs. FRF: 3.34 )
FRF' s 10-Year ROA (%) Range
Min: 1.81   Max: 3.34
Current: 3.34

1.81
3.34
ROC (Joel Greenblatt) (%) 121.87
FRF's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 153.52 vs. FRF: 121.87 )
FRF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 21.36   Max: 472.18
Current: 121.87

21.36
472.18
Revenue Growth (%) 8.90
FRF's Revenue Growth (%) is ranked higher than
92% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. FRF: 8.90 )
FRF' s 10-Year Revenue Growth (%) Range
Min: -38.4   Max: 8.9
Current: 8.9

-38.4
8.9
EBITDA Growth (%) -7.80
FRF's EBITDA Growth (%) is ranked higher than
78% of the 126 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.50 vs. FRF: -7.80 )
FRF' s 10-Year EBITDA Growth (%) Range
Min: -38.9   Max: -3.5
Current: -7.8

-38.9
-3.5
EPS Growth (%) -17.20
FRF's EPS Growth (%) is ranked higher than
73% of the 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.90 vs. FRF: -17.20 )
FRF' s 10-Year EPS Growth (%) 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

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Ratios

vs
industry
vs
history
P/E(ttm) 6.40
FRF's P/E(ttm) is ranked higher than
99% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.90 vs. FRF: 6.40 )
FRF' s 10-Year P/E(ttm) Range
Min: 5.8   Max: 14.08
Current: 6.4

5.8
14.08
P/B 0.80
FRF's P/B is ranked higher than
90% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. FRF: 0.80 )
FRF' s 10-Year P/B Range
Min: 0.79   Max: 1.94
Current: 0.8

0.79
1.94
P/S 0.40
FRF's P/S is ranked higher than
87% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.51 vs. FRF: 0.40 )
FRF' s 10-Year P/S Range
Min: 0.38   Max: 0.93
Current: 0.4

0.38
0.93
PFCF 4.10
FRF's PFCF is ranked higher than
91% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.40 vs. FRF: 4.10 )
FRF' s 10-Year PFCF Range
Min: 3.54   Max: 223.75
Current: 4.1

3.54
223.75
EV-to-EBIT 8.70
FRF's EV-to-EBIT is ranked higher than
88% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.02 vs. FRF: 8.70 )
FRF' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 14.2
Current: 8.7

6.5
14.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.80
FRF's Price/Tangible Book is ranked higher than
51% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.60 vs. FRF: 3.80 )
FRF' s 10-Year Price/Tangible Book Range
Min: 4.33   Max: 23.51
Current: 3.8

4.33
23.51
Price/Median PS Value 0.80
FRF's Price/Median PS Value is ranked higher than
97% of the 137 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.12 vs. FRF: 0.80 )
FRF' s 10-Year Price/Median PS Value Range
Min: 0.92   Max: 1.59
Current: 0.8

0.92
1.59
Price/Graham Number 1.40
FRF's Price/Graham Number is ranked higher than
65% of the 122 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. FRF: 1.40 )
FRF' s 10-Year Price/Graham Number Range
Min: 1.63   Max: 3.92
Current: 1.4

1.63
3.92
Earnings Yield (Greenblatt) 11.50
FRF's Earnings Yield (Greenblatt) is ranked higher than
89% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.20 vs. FRF: 11.50 )
FRF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7   Max: 15.4
Current: 11.5

7
15.4

Business Description

Industry: Insurance » Insurance - Diversified
Compare: » details
Fortegra Financial Corp was incorporated in 1981 and initially provided credit life and disability insurance for financial institutions, primarily small community banks in Georgia, and their customers under its Life of the South brand. It is an insurance services company that provides distribution and administration services and insurance-related products to insurance companies, insurance brokers and agents and other financial services companies in the United States. It sells its services and products directly to businesses rather than directly to consumers. Its services and products complement consumer credit offerings, provide outsourcing solutions designed to reduce the costs associated with the administration of insurance and other financial products and facilitate the distribution of excess and surplus lines insurance products through insurance companies, brokers and agents. These services and products are designed to increase revenues, improve customer value and loyalty and reduce costs for its clients. It operates in three business segments: - Payment Protection. Its Payment Protection segment, marketed under its Life of the South brand, delivers credit insurance, debt protection, warranty, and service contract and car club solutions along with administrative services to consumer finance companies, regional banks, community banks, retailers, small loan companies, warranty administrators, automobile dealers, vacation ownership developers and credit unions. BPO. Its business process outsourcing (BPO) segment, marketed under its Consecta brand, provides a broad range of administrative services tailored to insurance and other financial services companies. Wholesale Brokerage. its Wholesale Brokerage segment, marketed under its Bliss & Glennon brand, is one of the largest wholesale insurance brokers in California. It operates in the insurance, consumer finance and commercial finance industries in the United States, offering its services and products through the brands and distribution bases of its clients. The principal competitors for its Payment Protection business include the payment protection groups of Aon Corporation, Assurant, Inc., Asurion Corporation and smaller regional companies. Its principal business process outsourcing competitors include Aon Corporation, Computer Sciences Corporation, Direct Response Insurance Administration Services, Inc., Marsh & McLennan Companies, Inc., Perot Systems Corporation (a subsidiary of Dell, Inc.) and Unisys Corporation. Its Wholesale Brokerage business competes with numerous firms for retail insurance clients, including AmWINS Group, Inc., Arthur J. Gallagher & Co., Brown & Brown, Inc. and The Swett & Crawford Group, Inc. Its Payment Protection, BPO and Wholesale Brokerage businesses are subject to extensive regulation and supervision, including at the federal, state and local level and, to a limited degree, by foreign authorities.
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