Fineos is a core software vendor to the global life, accident, and health, or LA&H, insurance industry. Customers are primarily large multinationals and midmarket insurers. The firm generates revenue mainly from subscriptions and product implementation services. About 80% of revenue is generated from the US, the rest from the Asia-Pacific and Europe.
Fineos has low penetration in a sleepy industry that’s ripe for disruption. Operating metrics are solid and trending positively.
As a vendor to large insurers, Fineos could lose its relevance if it does not innovate and improve. Operating margins can be constrained by high investment needs.
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Metric
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FCL
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ORCL
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ACN
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|---|---|---|---|
Price/Earnings (Normalized) | 83.54 | 15.54 | 19.08 |
Price/Book Value | 2.36 | 6.14 | 5.51 |
Price/Sales | 2.53 | 5.14 | 2.15 |
Price/Cash Flow | 11.69 | 12.08 | 12.23 |
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Metric
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FCL
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ORCL
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ACN
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|---|---|---|---|
Quick Ratio | 1.34 | 1.02 | 1.31 |
Current Ratio | 1.34 | 1.17 | 1.43 |
Interest Coverage | 17.36 | 5.07 | 37.29 |
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Metric
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FCL
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ORCL
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ACN
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|---|---|---|---|
Return on Assets (Normalized) | 2.01% | 9.91% | 12.92% |
Return on Equity (Normalized) | 2.62% | 63.39% | 30.55% |
Return on Invested Capital (Normalized) | 2.52% | 15.17% | 20.76% |
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1-Day Chart
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United States