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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 lower than
90% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 583.69 vs. FRF: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
FRF' s 10-Year Cash to Debt Range
Min: 0.16  Med: 0.38 Max: No Debt
Current: 0.24
Equity to Asset 0.24
FRF's Equity to Asset is ranked higher than
52% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. FRF: 0.24 )
Ranked among companies with meaningful Equity to Asset only.
FRF' s 10-Year Equity to Asset Range
Min: 0.17  Med: 0.21 Max: 0.25
Current: 0.24
0.17
0.25
Interest Coverage 4.82
FRF's Interest Coverage is ranked lower than
89% of the 103 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. FRF: 4.82 )
Ranked among companies with meaningful Interest Coverage only.
FRF' s 10-Year Interest Coverage Range
Min: 1.68  Med: 2.72 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 lower than
65% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.54 vs. FRF: 6.04 )
Ranked among companies with meaningful Operating margin (%) only.
FRF' s 10-Year Operating margin (%) Range
Min: 5.02  Med: 7.48 Max: 10.32
Current: 6.04
5.02
10.32
Net-margin (%) 6.21
FRF's Net-margin (%) is ranked lower than
55% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.17 vs. FRF: 6.21 )
Ranked among companies with meaningful Net-margin (%) only.
FRF' s 10-Year Net-margin (%) Range
Min: 4.8  Med: 6.07 Max: 6.71
Current: 6.21
4.8
6.71
ROE (%) 13.68
FRF's ROE (%) is ranked higher than
71% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.17 vs. FRF: 13.68 )
Ranked among companies with meaningful ROE (%) only.
FRF' s 10-Year ROE (%) Range
Min: 10.82  Med: 15.01 Max: 17.16
Current: 13.68
10.82
17.16
ROA (%) 3.21
FRF's ROA (%) is ranked higher than
63% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.77 vs. FRF: 3.21 )
Ranked among companies with meaningful ROA (%) only.
FRF' s 10-Year ROA (%) Range
Min: 2.31  Med: 2.51 Max: 3.27
Current: 3.21
2.31
3.27
ROC (Joel Greenblatt) (%) 75.75
FRF's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 124 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 230.80 vs. FRF: 75.75 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FRF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.19  Med: 149.97 Max: 811.95
Current: 75.75
33.19
811.95
Revenue Growth (3Y)(%) 8.90
FRF's Revenue Growth (3Y)(%) is ranked higher than
61% of the 100 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.20 vs. FRF: 8.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FRF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -38.4  Med: 3.60 Max: 8.9
Current: 8.9
-38.4
8.9
EBITDA Growth (3Y)(%) -7.80
FRF's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 79 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. FRF: -7.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FRF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -38.9  Med: -7.80 Max: -3.5
Current: -7.8
-38.9
-3.5
EPS Growth (3Y)(%) -17.20
FRF's EPS Growth (3Y)(%) is ranked lower than
89% of the 76 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. FRF: -17.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FRF' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.3  Med: -17.20 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 9.10
FRF's P/E(ttm) is ranked higher than
78% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.80 vs. FRF: 9.10 )
Ranked among companies with meaningful P/E(ttm) only.
FRF' s 10-Year P/E(ttm) Range
Min: 5.7  Med: 10.61 Max: 14.08
Current: 9.1
5.7
14.08
Forward P/E 7.08
FRF's Forward P/E is ranked higher than
87% of the 45 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.73 vs. FRF: 7.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.60
FRF's PE(NRI) is ranked lower than
60% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. FRF: 15.60 )
Ranked among companies with meaningful PE(NRI) only.
FRF' s 10-Year PE(NRI) Range
Min: 7.16  Med: 12.20 Max: 16.76
Current: 15.6
7.16
16.76
P/B 1.15
FRF's P/B is ranked higher than
53% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.18 vs. FRF: 1.15 )
Ranked among companies with meaningful P/B only.
FRF' s 10-Year P/B Range
Min: 0.79  Med: 1.14 Max: 1.95
Current: 1.15
0.79
1.95
P/S 0.57
FRF's P/S is ranked higher than
70% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. FRF: 0.57 )
Ranked among companies with meaningful P/S only.
FRF' s 10-Year P/S Range
Min: 0.37  Med: 0.54 Max: 0.93
Current: 0.57
0.37
0.93
PFCF 11.59
FRF's PFCF is ranked lower than
58% of the 71 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.77 vs. FRF: 11.59 )
Ranked among companies with meaningful PFCF only.
FRF' s 10-Year PFCF Range
Min: 3.82  Med: 7.45 Max: 223.75
Current: 11.59
3.82
223.75
POCF 10.39
FRF's POCF is ranked lower than
56% of the 91 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.57 vs. FRF: 10.39 )
Ranked among companies with meaningful POCF only.
FRF' s 10-Year POCF Range
Min: 3.53  Med: 6.64 Max: 44
Current: 10.39
3.53
44
EV-to-EBIT 9.75
FRF's EV-to-EBIT is ranked lower than
64% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.53 vs. FRF: 9.75 )
Ranked among companies with meaningful EV-to-EBIT only.
FRF' s 10-Year EV-to-EBIT Range
Min: 6.8  Med: 9.80 Max: 17.9
Current: 9.75
6.8
17.9
Days Sales Outstanding 93.13
FRF's Days Sales Outstanding is ranked lower than
91% of the 22 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. FRF: 93.13 )
Ranked among companies with meaningful Days Sales Outstanding only.
FRF' s 10-Year Days Sales Outstanding Range
Min: 19.62  Med: 177.71 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 lower than
56% of the 124 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. FRF: 10.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FRF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.6  Med: 10.20 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
70% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.70 vs. FRF: 24.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FRF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 24.8  Med: 24.90 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

Articles On GuruFocus.com
Investing in Controlled Companies Jul 29 2014 

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