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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.52
GTS's Cash to Debt is ranked lower than
66% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1984.20 vs. GTS: 2.52 )
Ranked among companies with meaningful Cash to Debt only.
GTS' s 10-Year Cash to Debt Range
Min: 0.19  Med: 0.63 Max: N/A
Current: 2.52
Equity to Asset 0.39
GTS's Equity to Asset is ranked higher than
75% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. GTS: 0.39 )
Ranked among companies with meaningful Equity to Asset only.
GTS' s 10-Year Equity to Asset Range
Min: 0.23  Med: 0.32 Max: 0.41
Current: 0.39
0.23
0.41
Interest Coverage 7.12
GTS's Interest Coverage is ranked lower than
80% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 651.33 vs. GTS: 7.12 )
Ranked among companies with meaningful Interest Coverage only.
GTS' s 10-Year Interest Coverage Range
Min: 2.18  Med: 6.28 Max: 9999.99
Current: 7.12
2.18
9999.99
F-Score: 5
WACC vs ROIC
5.62%
8.97%
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 (%) 3.36
GTS's Operating margin (%) is ranked lower than
78% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.94 vs. GTS: 3.36 )
Ranked among companies with meaningful Operating margin (%) only.
GTS' s 10-Year Operating margin (%) Range
Min: 1.84  Med: 3.65 Max: 7.16
Current: 3.36
1.84
7.16
Net-margin (%) 3.17
GTS's Net-margin (%) is ranked lower than
73% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. GTS: 3.17 )
Ranked among companies with meaningful Net-margin (%) only.
GTS' s 10-Year Net-margin (%) Range
Min: -0.13  Med: 2.70 Max: 3.81
Current: 3.17
-0.13
3.81
ROE (%) 8.66
GTS's ROE (%) is ranked lower than
57% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. GTS: 8.66 )
Ranked among companies with meaningful ROE (%) only.
GTS' s 10-Year ROE (%) Range
Min: 5.12  Med: 10.07 Max: 23.08
Current: 8.66
5.12
23.08
ROA (%) 3.43
GTS's ROA (%) is ranked higher than
63% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. GTS: 3.43 )
Ranked among companies with meaningful ROA (%) only.
GTS' s 10-Year ROA (%) Range
Min: 1.54  Med: 3.48 Max: 7
Current: 3.43
1.54
7
ROC (Joel Greenblatt) (%) 106.40
GTS's ROC (Joel Greenblatt) (%) is ranked lower than
67% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 229.23 vs. GTS: 106.40 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GTS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 41.43  Med: 115.83 Max: 397.96
Current: 106.4
41.43
397.96
Revenue Growth (3Y)(%) 4.50
GTS's Revenue Growth (3Y)(%) is ranked lower than
51% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. GTS: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GTS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 6.80 Max: 77.8
Current: 4.5
0
77.8
EBITDA Growth (3Y)(%) -1.80
GTS's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. GTS: -1.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GTS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 35.9
Current: -1.8
0
35.9
EPS Growth (3Y)(%) 6.20
GTS's EPS Growth (3Y)(%) is ranked lower than
67% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. GTS: 6.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GTS' s 10-Year EPS Growth (3Y)(%) Range
Min: -10.1  Med: 7.05 Max: 48.7
Current: 6.2
-10.1
48.7
» GTS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

GTS Guru Trades in Q2 2014

Charles Brandes 30,505 sh (New)
Jim Simons 143,500 sh (+32.39%)
David Dreman 129,102 sh (-2.16%)
» More
Q3 2014

GTS Guru Trades in Q3 2014

Paul Tudor Jones 15,072 sh (New)
Charles Brandes 32,660 sh (+7.06%)
David Dreman 130,767 sh (+1.29%)
Jim Simons 21,600 sh (-84.95%)
» More
Q4 2014

GTS Guru Trades in Q4 2014

David Dreman 137,257 sh (+4.96%)
Charles Brandes Sold Out
Jim Simons Sold Out
Paul Tudor Jones 14,202 sh (-5.77%)
» More
Q1 2015

GTS Guru Trades in Q1 2015

Chuck Royce 4,100 sh (New)
James Barrow 20,604 sh (New)
David Dreman 148,437 sh (+8.15%)
Paul Tudor Jones 10,574 sh (-25.55%)
» More
» Details

Insider Trades

Latest Guru Trades with GTS

(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) 7.62
GTS's P/E(ttm) is ranked higher than
89% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. GTS: 7.62 )
Ranked among companies with meaningful P/E(ttm) only.
GTS' s 10-Year P/E(ttm) Range
Min: 6.04  Med: 9.30 Max: 18.64
Current: 7.62
6.04
18.64
Forward P/E 4.76
GTS's Forward P/E is ranked higher than
96% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.79 vs. GTS: 4.76 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.80
GTS's PE(NRI) is ranked higher than
88% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. GTS: 7.80 )
Ranked among companies with meaningful PE(NRI) only.
GTS' s 10-Year PE(NRI) Range
Min: 6.04  Med: 9.28 Max: 18.69
Current: 7.8
6.04
18.69
P/B 0.64
GTS's P/B is ranked higher than
84% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. GTS: 0.64 )
Ranked among companies with meaningful P/B only.
GTS' s 10-Year P/B Range
Min: 0.53  Med: 0.81 Max: 1.38
Current: 0.64
0.53
1.38
P/S 0.25
GTS's P/S is ranked higher than
93% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. GTS: 0.25 )
Ranked among companies with meaningful P/S only.
GTS' s 10-Year P/S Range
Min: 0.15  Med: 0.26 Max: 0.36
Current: 0.25
0.15
0.36
POCF 10.13
GTS's POCF is ranked lower than
58% of the 98 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.33 vs. GTS: 10.13 )
Ranked among companies with meaningful POCF only.
GTS' s 10-Year POCF Range
Min: 2.31  Med: 6.62 Max: 75.1
Current: 10.13
2.31
75.1
EV-to-EBIT 5.08
GTS's EV-to-EBIT is ranked higher than
74% of the 108 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.95 vs. GTS: 5.08 )
Ranked among companies with meaningful EV-to-EBIT only.
GTS' s 10-Year EV-to-EBIT Range
Min: -5  Med: 8.20 Max: 18.3
Current: 5.08
-5
18.3
PEG 6.50
GTS's PEG is ranked lower than
94% of the 47 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. GTS: 6.50 )
Ranked among companies with meaningful PEG only.
GTS' s 10-Year PEG Range
Min: 0.47  Med: 1.38 Max: 24.12
Current: 6.5
0.47
24.12
Shiller P/E 8.88
GTS's Shiller P/E is ranked higher than
84% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.10 vs. GTS: 8.88 )
Ranked among companies with meaningful Shiller P/E only.
GTS' s 10-Year Shiller P/E Range
Min: 5.25  Med: 9.65 Max: 14.44
Current: 8.88
5.25
14.44
Days Sales Outstanding 49.30
GTS's Days Sales Outstanding is ranked higher than
57% of the 21 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 49.58 vs. GTS: 49.30 )
Ranked among companies with meaningful Days Sales Outstanding only.
GTS' s 10-Year Days Sales Outstanding Range
Min: 22.96  Med: 48.68 Max: 59.5
Current: 49.3
22.96
59.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.66
GTS's Price/Tangible Book is ranked higher than
85% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.34 vs. GTS: 0.66 )
Ranked among companies with meaningful Price/Tangible Book only.
GTS' s 10-Year Price/Tangible Book Range
Min: 0.56  Med: 0.82 Max: 1.35
Current: 0.66
0.56
1.35
Price/Projected FCF 0.49
GTS's Price/Projected FCF is ranked higher than
70% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.78 vs. GTS: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
GTS' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 0.62 Max: 0.99
Current: 0.49
0.33
0.99
Price/DCF (Earnings Based) 0.74
GTS's Price/DCF (Earnings Based) is ranked higher than
67% of the 3 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. GTS: 0.74 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.93
GTS's Price/Median PS Value is ranked higher than
60% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. GTS: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
GTS' s 10-Year Price/Median PS Value Range
Min: 0.72  Med: 0.98 Max: 1.36
Current: 0.93
0.72
1.36
Price/Graham Number 0.47
GTS's Price/Graham Number is ranked higher than
90% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. GTS: 0.47 )
Ranked among companies with meaningful Price/Graham Number only.
GTS' s 10-Year Price/Graham Number Range
Min: 0.45  Med: 0.58 Max: 0.82
Current: 0.47
0.45
0.82
Earnings Yield (Greenblatt) (%) 19.75
GTS's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 125 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. GTS: 19.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GTS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.5  Med: 12.00 Max: 21.1
Current: 19.75
5.5
21.1
Forward Rate of Return (Yacktman) (%) 7.52
GTS's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.07 vs. GTS: 7.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
GTS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.9  Med: 11.40 Max: 26.9
Current: 7.52
4.9
26.9

Business Description

Industry: Insurance » Insurance - Diversified
Compare:HUM, CI, WLP, AET, HNT, UNH, HS, MOH » details
Traded in other countries:4T3A.Germany,
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.
» More Articles for GTS

Headlines

Articles On GuruFocus.com
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
TRIPLE-S MANAGEMENT CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 16 2015
Triple-S Management Corporation Announces the Appointment of Chief Medical Officer Jul 16 2015
Triple-S Management Corporation Announces the Appointment of Chief Medical Officer Jul 16 2015
Triple-S Management Corporation Schedules Second-Quarter Earnings Release and Webcast Jul 08 2015
Triple-S Management Corporation Schedules Second-Quarter Earnings Release and Webcast Jul 08 2015
Triple-S Management (GTS) Catches Eye: Stock Up 5.4% - Tale of the Tape Jul 07 2015
Triple-S Shares Rebound After Taking A Hit From Wells Fargo Report Jul 06 2015
Triple-S Management downgraded by Wells Fargo Jul 02 2015
TRIPLE-S MANAGEMENT CORP Files SEC form 8-K, Change in Directors or Principal Officers, Other... May 19 2015
Triple-S Management Corporation Announces the Retirement of Ramon Ruiz-Comas; Names Roberto... May 18 2015
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TRIPLE-S MANAGEMENT CORP Financials May 15 2015
TRIPLE-S MANAGEMENT CORP Files SEC form 10-Q, Quarterly Report May 08 2015
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Triple-S Management posts 1Q profit May 07 2015
Triple-S Management posts 1Q profit May 07 2015
Q1 2015 Triple-S Management Corp Earnings Release - Before Market Open May 07 2015
Triple-S Management Corporation Reports First Quarter 2015 Results May 07 2015
TRIPLE-S MANAGEMENT CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 01 2015
Triple-S Management Corporation Schedules First-Quarter Earnings Release and Webcast Apr 24 2015

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