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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.18
GWGH's Cash-to-Debt is ranked lower than
96% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.42 vs. GWGH: 0.18 )
Ranked among companies with meaningful Cash-to-Debt only.
GWGH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.11 Max: 0.21
Current: 0.18
0.02
0.21
Equity-to-Asset 0.19
GWGH's Equity-to-Asset is ranked higher than
76% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. GWGH: 0.19 )
Ranked among companies with meaningful Equity-to-Asset only.
GWGH' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.03  Med: 0.06 Max: 0.19
Current: 0.19
-0.03
0.19
Debt-to-Equity 4.07
GWGH's Debt-to-Equity is ranked lower than
100% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.25 vs. GWGH: 4.07 )
Ranked among companies with meaningful Debt-to-Equity only.
GWGH' s Debt-to-Equity Range Over the Past 10 Years
Min: -133.22  Med: 4.89 Max: 113.99
Current: 4.07
-133.22
113.99
Debt-to-EBITDA 17.65
GWGH's Debt-to-EBITDA is ranked lower than
96% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. GWGH: 17.65 )
Ranked among companies with meaningful Debt-to-EBITDA only.
GWGH' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 10.55  Med: 14.88 Max: 20.82
Current: 17.65
10.55
20.82
WACC vs ROIC
6.56%
5.32%
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 : 4/10

vs
industry
vs
history
Net Margin % -33.87
GWGH's Net Margin % is ranked lower than
99% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.69 vs. GWGH: -33.87 )
Ranked among companies with meaningful Net Margin % only.
GWGH' s Net Margin % Range Over the Past 10 Years
Min: -33.87  Med: -13.43 Max: 0.56
Current: -33.87
-33.87
0.56
ROE % -28.66
GWGH's ROE % is ranked lower than
99% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.16 vs. GWGH: -28.66 )
Ranked among companies with meaningful ROE % only.
GWGH' s ROE % Range Over the Past 10 Years
Min: -297.89  Med: -38.37 Max: -7.54
Current: -28.66
-297.89
-7.54
ROA % -2.99
GWGH's ROA % is ranked lower than
96% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.74 vs. GWGH: -2.99 )
Ranked among companies with meaningful ROA % only.
GWGH' s ROA % Range Over the Past 10 Years
Min: -2.99  Med: -1.48 Max: 0.08
Current: -2.99
-2.99
0.08
3-Year Revenue Growth Rate 21.00
GWGH's 3-Year Revenue Growth Rate is ranked higher than
87% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. GWGH: 21.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
GWGH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 16.6  Med: 19.05 Max: 24.1
Current: 21
16.6
24.1
3-Year EBITDA Growth Rate 13.30
GWGH's 3-Year EBITDA Growth Rate is ranked higher than
74% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.50 vs. GWGH: 13.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
GWGH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 13.1  Med: 14.9 Max: 22.2
Current: 13.3
13.1
22.2
3-Year EPS without NRI Growth Rate -66.50
GWGH's 3-Year EPS without NRI Growth Rate is ranked lower than
95% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.40 vs. GWGH: -66.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
GWGH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -51.35 Max: -34
Current: -66.5
GuruFocus has detected 4 Warning Signs with GWG Holdings Inc GWGH.
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» GWGH's 30-Y Financials

Financials (Next Earnings Date: 2018-11-08 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:ISX:JMAS, OTCPK:IHRC, OTCPK:EMGC, NAS:AAME, ASX:FIG, COL:CTCE.N0000, OTCPK:UTGN, OTCPK:MDWT, BUD:CIGPANNONIA, DHA:DELTALIFE, LSE:HSD, XKLS:1058, TSE:7157, NYSE:CIA, TSE:7169, ROCO:5859, OTCPK:KCLI, KAR:JLICL, NYSE:IHC, ISX:PNLF » details
Headquarter Location:USA
GWG Holdings Inc is a specialty finance company & a purchaser of life insurance policies in the secondary market. The Company & its subsidiaries offer investors the opportunity for higher yield & increased diversification through alternative investments.

GWG Holdings Inc is a financial service company. The company through its subsidiaries is engaged in life insurance and related business through products and services, business processes, and financing strategies. It specializes in acquiring life insurance policies in the secondary market from seniors who no longer want, needs or can afford their policies. The company offers investors the potential for higher income and increased diversification through non-correlated registered alternative investments.

Ratios

vs
industry
vs
history
PS Ratio 0.52
GWGH's PS Ratio is ranked higher than
54% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.82 vs. GWGH: 0.52 )
Ranked among companies with meaningful PS Ratio only.
GWGH' s PS Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.94 Max: 2.34
Current: 0.52
0.51
2.34
EV-to-EBIT 21.01
GWGH's EV-to-EBIT is ranked lower than
92% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. GWGH: 21.01 )
Ranked among companies with meaningful EV-to-EBIT only.
GWGH' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.6  Med: 18.3 Max: 31.6
Current: 21.01
11.6
31.6
EV-to-EBITDA 21.01
GWGH's EV-to-EBITDA is ranked lower than
89% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.45 vs. GWGH: 21.01 )
Ranked among companies with meaningful EV-to-EBITDA only.
GWGH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.6  Med: 18.3 Max: 31.6
Current: 21.01
11.6
31.6
EV-to-Revenue 11.69
GWGH's EV-to-Revenue is ranked lower than
99% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.93 vs. GWGH: 11.69 )
Ranked among companies with meaningful EV-to-Revenue only.
GWGH' s EV-to-Revenue Range Over the Past 10 Years
Min: 7.5  Med: 10.2 Max: 13.7
Current: 11.69
7.5
13.7

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.30
GWGH's 3-Year Average Share Buyback Ratio is ranked lower than
87% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.10 vs. GWGH: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
GWGH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.4  Med: -7.35 Max: 0.3
Current: 0.3
-9.4
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Median-PS-Value 0.56
GWGH's Price-to-Median-PS-Value is ranked higher than
83% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. GWGH: 0.56 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
GWGH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.67  Med: 1.06 Max: 2.18
Current: 0.56
0.67
2.18
Earnings Yield (Greenblatt) % 4.76
GWGH's Earnings Yield (Greenblatt) % is ranked lower than
75% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.31 vs. GWGH: 4.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
GWGH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.2  Med: 5.5 Max: 8.6
Current: 4.76
3.2
8.6
Forward Rate of Return (Yacktman) % -142.04
GWGH's Forward Rate of Return (Yacktman) % is ranked lower than
99.99% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.57 vs. GWGH: -142.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
GWGH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -144.5  Med: -72.9 Max: -46.7
Current: -142.04
-144.5
-46.7

More Statistics

Revenue (TTM) (Mil) $71.24
EPS (TTM) $ -7.05
Beta0.72
Volatility58.83%
52-Week Range $5.85 - 13.10
Shares Outstanding (Mil)5.81

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 85 105
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) -4.74 -0.16
EPS without NRI ($) -4.74 -0.16
EPS Growth Rate
(Future 3Y To 5Y Estimate)
20.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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