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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

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

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Equity & Asset
Oprt. Cash Flow & Free Cash Flow

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Guru Trades

Q1 2014

GANS Guru Trades in Q1 2014

Robert Bruce 240,727 sh (unchged)
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Q2 2014

GANS Guru Trades in Q2 2014

Robert Bruce 240,727 sh (unchged)
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Q3 2014

GANS Guru Trades in Q3 2014

Robert Bruce 240,727 sh (unchged)
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Q4 2014

GANS Guru Trades in Q4 2014

Robert Bruce 246,541 sh (+2.42%)
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Insider Trades

Latest Guru Trades with GANS

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Robert Bruce 2011-12-31 Sold Out 0.86%$5.41 - $9.25 $ 10.1538%0
Robert Bruce 2011-12-31 New Buy0.82%$5.41 - $9.25 $ 10.1546%240727
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Gainsco Inc is a Texas corporation, which was organized in October 1978. Through its insurance company and managing general agency subsidiaries, the Company engages in the property and casualty insurance business, focusing on the nonstandard personal auto market. The Companys nonstandard personal auto products are mainly aligned with customers seeking to purchase basic coverage and limits of liability required by statutory requirements, or slightly higher. Its products include coverage for third party liability, for bodily injury and physical damage, as well as collision and comprehensive coverage for theft, physical damage and other perils for an insureds vehicle. Within this context, the Company offers its product to a range of customers who present varying degrees of potential risk to the Company and it strives to price its product to reflect this range of risk accordingly, in order to earn an underwriting profit. Simultaneously, when actuarially prudent, it attempts to position its product price to be competitive with other companies offering similar products to optimize its likelihood of securing its targeted customers. The Company offers flexible premium down payment, installment payment, late payment, and policy reinstatement plans that help it secure new customers and retain exiting customers, while generating an additional source of income from fees that it charges for those services. It mainly write six-month policies in Arizona, Florida, Nevada and New Mexico and both one month and six month policies in Texas, with one year policies in California and both six month and one year policies in Georgia and South Carolina. The terms of policies it is permitted to offer varies in the states in which it operates. The Company competes with large national insurance companies, smaller regional companies and local managing general agents in the sale of nonstandard auto insurance products and services. It markets its products mainly through independent agencies that also sell the insurance products of its competitors. Many competitors are national in scope, larger, and better capitalized than it is. The Companys insurance company is subject to regulation and supervision by the insurance department of the jurisdiction in which it is domiciled or licensed to transact business.
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Robert Bruce pick. L Feb 16 2012 

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