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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 4.65
GTS's Cash to Debt is ranked lower than
66% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. GTS: 4.65 )
Ranked among companies with meaningful Cash to Debt only.
GTS' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 0.67 Max: N/A
Current: 4.65
Equity to Asset 0.37
GTS's Equity to Asset is ranked higher than
73% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. GTS: 0.37 )
Ranked among companies with meaningful Equity to Asset only.
GTS' s Equity to Asset Range Over the Past 10 Years
Min: 0.23  Med: 0.32 Max: 0.41
Current: 0.37
0.23
0.41
Interest Coverage 2.98
GTS's Interest Coverage is ranked lower than
90% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. GTS: 2.98 )
Ranked among companies with meaningful Interest Coverage only.
GTS' s Interest Coverage Range Over the Past 10 Years
Min: 2.18  Med: 6.28 Max: 7.23
Current: 2.98
2.18
7.23
F-Score: 6
M-Score: -2.36
WACC vs ROIC
6.85%
2.62%
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 (%) 0.75
GTS's Operating margin (%) is ranked lower than
80% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.80 vs. GTS: 0.75 )
Ranked among companies with meaningful Operating margin (%) only.
GTS' s Operating margin (%) Range Over the Past 10 Years
Min: 0.75  Med: 3.25 Max: 5.33
Current: 0.75
0.75
5.33
Net-margin (%) 0.65
GTS's Net-margin (%) is ranked lower than
80% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.53 vs. GTS: 0.65 )
Ranked among companies with meaningful Net-margin (%) only.
GTS' s Net-margin (%) Range Over the Past 10 Years
Min: 0.65  Med: 2.77 Max: 3.78
Current: 0.65
0.65
3.78
ROE (%) 2.28
GTS's ROE (%) is ranked lower than
79% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.98 vs. GTS: 2.28 )
Ranked among companies with meaningful ROE (%) only.
GTS' s ROE (%) Range Over the Past 10 Years
Min: 2.28  Med: 8.48 Max: 16.75
Current: 2.28
2.28
16.75
ROA (%) 0.86
GTS's ROA (%) is ranked lower than
65% of the 182 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.01 vs. GTS: 0.86 )
Ranked among companies with meaningful ROA (%) only.
GTS' s ROA (%) Range Over the Past 10 Years
Min: 0.86  Med: 3.16 Max: 4.39
Current: 0.86
0.86
4.39
Revenue Growth (3Y)(%) 9.80
GTS's Revenue Growth (3Y)(%) is ranked higher than
60% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.80 vs. GTS: 9.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GTS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.4 Max: 11.5
Current: 9.8
0
11.5
EBITDA Growth (3Y)(%) -3.80
GTS's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.70 vs. GTS: -3.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GTS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.4 Max: 35.7
Current: -3.8
0
35.7
EPS Growth (3Y)(%) 2.10
GTS's EPS Growth (3Y)(%) is ranked lower than
56% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. GTS: 2.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GTS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.1  Med: 6.2 Max: 49.2
Current: 2.1
-10.1
49.2
» GTS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

GTS Guru Trades in Q4 2015

Jim Simons 78,200 sh (+262.04%)
Charles Brandes 29,199 sh (+138.75%)
Paul Tudor Jones 16,284 sh (+20.73%)
Barrow, Hanley, Mewhinney & Strauss 116,581 sh (+4.29%)
Chuck Royce Sold Out
David Dreman Sold Out
Richard Pzena 1,607,929 sh (-0.08%)
» More
Q1 2016

GTS Guru Trades in Q1 2016

David Dreman 115,846 sh (New)
Paul Tudor Jones 37,736 sh (+131.74%)
Jim Simons 109,400 sh (+39.90%)
Charles Brandes 29,234 sh (+0.12%)
Richard Pzena 1,417,632 sh (-11.83%)
Barrow, Hanley, Mewhinney & Strauss 77,446 sh (-33.57%)
» More
Q2 2016

GTS Guru Trades in Q2 2016

Jeremy Grantham 18,400 sh (New)
Richard Pzena 1,559,649 sh (+10.02%)
Charles Brandes Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
Jim Simons Sold Out
David Dreman Sold Out
Paul Tudor Jones 15,195 sh (-59.73%)
» More
Q3 2016

GTS Guru Trades in Q3 2016

Richard Pzena 1,971,750 sh (+26.42%)
Paul Tudor Jones 12,020 sh (-20.90%)
Jeremy Grantham 12,700 sh (-30.98%)
» More
» Details

Insider Trades

Latest Guru Trades with GTS

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Business Description

Industry: Insurance » Insurance - Diversified
Compare:NYSE:HMN, NYSE:KMPR, NYSE:GNW, OTCPK:DGRLY, OTCPK:TPDKY, OTCPK:VNRFY, NAS:ESGR, NYSE:ORI, NYSE:AIZ, OTCPK:DIISY, OTCPK:GJNSY, OTCPK:PWCDF, OTCPK:NNGPF, NYSE:AEG, OTCPK:BBSEY, NYSE:HIG, OTCPK:MSADY, OTCPK:ARZGF, NYSE:AV, NYSE:SLF » details
Traded in other countries:4T3A.Germany,
Triple-S Management Corp is engaged in the managed care industry in Puerto Rico. It offers complementary products and services, including life insurance, accident and disability insurance and property and casualty insurance.

Triple-S Management Corp was incorporated under the laws of the Commonwealth of Puerto Rico on January 17, 1997 to engage, among other things, as the holding company of entities mainly involved in the insurance industry. The Company is engaged in the managed care industry in Puerto Rico, serving approximately 2,188,000 members across all regions, with a 26% market share in terms of premiums written in Puerto Rico. Its operating segments include Life Insurance and Property and Casualty segments. Premiums on life insurance policies are billed in advance of their respective coverage period and the related revenue is recorded as earned when due. Premiums on property and casualty contracts are billed in advance of their respective coverage period and are recognized as earned on a pro rata basis over the policy term. The Company has the exclusive right to use the Blue Cross and Blue Shield ('BCBS') name and mark throughout Puerto Rico, the U.S. Virgin Islands, Costa Rica and the British Virgin Islands and Anguilla. The Company markets its managed care products through an extensive network of independent agents and brokers located throughout Puerto Rico as well as an internal salaried sales force. Beginning on November 1, 2011 the Company resumed its participation in this sector as an Administrative Service Only ('ASO') provider. Through its subsidiaries TSS and AH, it offers various managed care products, including HMO plans, PPO plans, Medicare Supplement, Medicare Advantage, Medicare Part D and Medicaid plans. It offers various life, accident, disability and health and annuity products in Puerto Rico through its subsidiary TSV. It offers various property and casualty insurance products through its subsidiary Triple-S Propiedad, Inc. The Company has also established an exclusive pharmacy network with higher discounted rates than its broader network. It has designed a comprehensive Quality Improvement Program ("QIP"). The Company competes with Medical Card Systems Inc., InnovaCare, Inc., Humana, Inc., First Medical Health Plan, Inc., Cooperativa de Seguros de Vida de Puerto Rico, AXA Equitable Life, Mass Mutual Financial Group, among others. Its business operations are subject to comprehensive and detailed regulation in Puerto Rico, as well as U.S. federal regulation.

Ratios

vs
industry
vs
history
P/E(ttm) 28.77
GTS's P/E(ttm) is ranked lower than
81% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.50 vs. GTS: 28.77 )
Ranked among companies with meaningful P/E(ttm) only.
GTS' s P/E(ttm) Range Over the Past 10 Years
Min: 6.04  Med: 9.52 Max: 28.88
Current: 28.77
6.04
28.88
PE(NRI) 28.77
GTS's PE(NRI) is ranked lower than
83% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.39 vs. GTS: 28.77 )
Ranked among companies with meaningful PE(NRI) only.
GTS' s PE(NRI) Range Over the Past 10 Years
Min: 6.04  Med: 9.51 Max: 28.88
Current: 28.77
6.04
28.88
Price/Owner Earnings (ttm) 4.67
GTS's Price/Owner Earnings (ttm) is ranked higher than
74% of the 98 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.37 vs. GTS: 4.67 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
GTS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.55  Med: 6.79 Max: 254.35
Current: 4.67
2.55
254.35
P/B 0.63
GTS's P/B is ranked higher than
85% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.16 vs. GTS: 0.63 )
Ranked among companies with meaningful P/B only.
GTS' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 0.77 Max: 1.38
Current: 0.63
0.45
1.38
P/S 0.18
GTS's P/S is ranked higher than
96% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. GTS: 0.18 )
Ranked among companies with meaningful P/S only.
GTS' s P/S Range Over the Past 10 Years
Min: 0.15  Med: 0.24 Max: 0.36
Current: 0.18
0.15
0.36
PFCF 4.18
GTS's PFCF is ranked higher than
69% of the 95 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.65 vs. GTS: 4.18 )
Ranked among companies with meaningful PFCF only.
GTS' s PFCF Range Over the Past 10 Years
Min: 2.35  Med: 6.08 Max: 81.12
Current: 4.18
2.35
81.12
POCF 3.97
GTS's POCF is ranked higher than
67% of the 121 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.91 vs. GTS: 3.97 )
Ranked among companies with meaningful POCF only.
GTS' s POCF Range Over the Past 10 Years
Min: 2.25  Med: 5.36 Max: 75.35
Current: 3.97
2.25
75.35
EV-to-EBIT 13.57
GTS's EV-to-EBIT is ranked lower than
75% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.82 vs. GTS: 13.57 )
Ranked among companies with meaningful EV-to-EBIT only.
GTS' s EV-to-EBIT Range Over the Past 10 Years
Min: -4  Med: 7.3 Max: 13.9
Current: 13.57
-4
13.9
EV-to-EBITDA 9.06
GTS's EV-to-EBITDA is ranked lower than
57% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.64 vs. GTS: 9.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
GTS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3.9  Med: 5.9 Max: 10.9
Current: 9.06
-3.9
10.9
Shiller P/E 10.88
GTS's Shiller P/E is ranked higher than
87% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.69 vs. GTS: 10.88 )
Ranked among companies with meaningful Shiller P/E only.
GTS' s Shiller P/E Range Over the Past 10 Years
Min: 7.66  Med: 10.44 Max: 14.49
Current: 10.88
7.66
14.49

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -9.00
GTS's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 84 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -1.20 vs. GTS: -9.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GTS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9  Med: 1.6 Max: 0
Current: -9
-9
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.66
GTS's Price/Tangible Book is ranked higher than
86% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.36 vs. GTS: 0.66 )
Ranked among companies with meaningful Price/Tangible Book only.
GTS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 0.79 Max: 1.35
Current: 0.66
0.5
1.35
Price/Projected FCF 0.30
GTS's Price/Projected FCF is ranked higher than
84% of the 56 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.68 vs. GTS: 0.30 )
Ranked among companies with meaningful Price/Projected FCF only.
GTS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.48 Max: 0.71
Current: 0.3
0.28
0.71
Price/Median PS Value 0.78
GTS's Price/Median PS Value is ranked higher than
70% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.95 vs. GTS: 0.78 )
Ranked among companies with meaningful Price/Median PS Value only.
GTS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 1.02 Max: 1.46
Current: 0.78
0.72
1.46
Price/Graham Number 0.92
GTS's Price/Graham Number is ranked lower than
55% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. GTS: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
GTS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.62 Max: 0.93
Current: 0.92
0.43
0.93
Earnings Yield (Greenblatt) (%) 7.34
GTS's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.30 vs. GTS: 7.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GTS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.2  Med: 13.5 Max: 25.8
Current: 7.34
7.2
25.8
Forward Rate of Return (Yacktman) (%) 10.65
GTS's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.65 vs. GTS: 10.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
GTS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 2.8  Med: 10.5 Max: 29.1
Current: 10.65
2.8
29.1

More Statistics

Revenue (TTM) (Mil) $3,028
EPS (TTM) $ 0.78
Beta0.50
Short Percentage of Float6.84%
52-Week Range $18.62 - 27.70
Shares Outstanding (Mil)24.27
» More Articles for GTS

Headlines

Articles On GuruFocus.com
Charles Brandes Continues to Buy Avon, Higher One Holdings Jul 05 2016 
Undervalued Play on Puerto Rico Jun 23 2014 
Triple-S Management: Selling Below Book Value Mar 16 2014 
TRIPLE-S MGMT CL B Reports Operating Results (10-K) Mar 09 2011 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) Nov 09 2010 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) Aug 04 2010 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) May 05 2010 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) Nov 03 2009 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) Aug 05 2009 
TRIPLE-S MGMT CL B Reports Operating Results (10-Q) May 07 2009 

More From Other Websites
A.M. Best Affirms Credit Ratings of Triple-S Management Corporation and Subsidiaries Dec 01 2016
Triple-S Management Corp. :GTS-US: Earnings Analysis: Q3, 2016 By the Numbers : November 22, 2016 Nov 22 2016
ETFs with exposure to Triple-S Management Corp. : November 15, 2016 Nov 15 2016
Triple-S Management Corp. breached its 50 day moving average in a Bullish Manner : GTS-US : November... Nov 14 2016
TRIPLE-S MANAGEMENT CORP Financials Nov 11 2016
TRIPLE-S MANAGEMENT CORP Files SEC form 10-Q, Quarterly Report Nov 04 2016
TRIPLE-S MANAGEMENT CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 03 2016
Edited Transcript of GTS earnings conference call or presentation 3-Nov-16 1:00pm GMT Nov 03 2016
Q3 2016 Triple-S Management Corp Earnings Release - Before Market Open Nov 03 2016
Triple-S Management reports 3Q loss Nov 03 2016
Triple-S Management reports 3Q loss Nov 03 2016
Triple-S Management Corporation Reports Third Quarter 2016 Results Nov 03 2016
Triple-S Management Corporation Reports Third Quarter 2016 Results Nov 03 2016
Triple-S Management Corporation to Present at the Stifel 2016 Healthcare Conference Nov 02 2016
Investor Calendar Invites You to the Triple-S Management Corporation Third Quarter 2016 Earnings... Nov 02 2016
Triple-S Management Corporation Awarded Four-Star Rating For Its HMO Offerings Oct 13 2016
Triple-S Management Corporation to Present at the 25th Annual Credit Suisse Healthcare Conference Oct 07 2016
Triple-S Management Corporation Schedules Third-Quarter Earnings Release and Webcast Oct 04 2016
Triple-S Management Corporation Schedules Third-Quarter Earnings Release and Webcast Oct 04 2016
ETF’s with exposure to Triple-S Management Corp. : September 27, 2016 Sep 27 2016

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