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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 : 3/10

Interest Coverage 5.89
FRF's Interest Coverage is ranked lower than
99.99% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 19.67 vs. FRF: 5.89 )
Ranked among companies with meaningful Interest Coverage only.
FRF' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 5.89
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 : 3/10

» FRF's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Guru Trades

FRF Guru Trades in

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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Business Description

Industry: Insurance » Insurance - Diversified

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.



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $359.2
EPS (TTM) $ 1.10
Short Percentage of Float0.20%
52-Week Range $6.46 - 10.00
Shares Outstanding (Mil)20.06

Analyst Estimate

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Revenue (Mil $)
EPS ($) 0.97
EPS w/o NRI ($) 0.97
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($)
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