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 from high investment needs.
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Metric
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FCL
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ACN
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ORCL
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|---|---|---|---|
Price/Earnings (Normalized) | — | 29.44 | 29.25 |
Price/Book Value | 1.83 | 7.74 | 43.23 |
Price/Sales | — | 3.43 | 8.87 |
Price/Cash Flow | — | 19.29 | 23.75 |
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Metric
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FCL
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ACN
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ORCL
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|---|---|---|---|
Quick Ratio | 1.25 | 1.03 | 0.59 |
Current Ratio | 1.25 | 1.16 | 0.72 |
Interest Coverage | — | 169.13 | 4.47 |
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Metric
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FCL
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ACN
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ORCL
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|---|---|---|---|
Return on Assets (Normalized) | — | 16.59% | 11.77% |
Return on Equity (Normalized) | — | 35.29% | 259.97% |
Return on Invested Capital (Normalized) | — | 27.22% | 20.14% |
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United States