Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link.

The Insurance industry as a whole closed the day down 0.5% versus the S&P 500, which was down 0.7%. Laggards within the Insurance industry included

Life Partners Holdings

(

LPHI

), down 5.2%,

First Acceptance

(

FAC

), down 2.0%,

Independence

(

IHC

), down 4.4%,

Fortegra Financial

(

FRF

), down 2.4% and

Hallmark Financial Services

(

HALL

), down 1.9%.

TheStreet Ratings Group would like to highlight 3 stocks that pushed the industry lower today:

Fortegra Financial

(

FRF

) is one of the companies that pushed the Insurance industry lower today. Fortegra Financial was down $0.19 (2.4%) to $7.77 on light volume. Throughout the day, 27,836 shares of Fortegra Financial exchanged hands as compared to its average daily volume of 46,600 shares. The stock ranged in price between $7.71-$8.08 after having opened the day at $8.05 as compared to the previous trading day's close of $7.96.

Fortegra Financial Corporation, together with its subsidiaries, operates as an insurance services company in the United States. It offers products that protect lenders and their customers from death, disability, or other events that could impair their ability to repay a debt. Fortegra Financial has a market cap of $154.1 million and is part of the financial sector. Shares are down 3.8% year-to-date as of the close of trading on Monday. Currently there is 1 analyst who rates Fortegra Financial a buy, no analysts rate it a sell, and 1 rates it a hold.

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TheStreet Ratings rates

Fortegra Financial

as a

hold

. The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures and attractive valuation levels. However, as a counter to these strengths, we also find weaknesses including disappointing return on equity, weak operating cash flow and poor profit margins.

Highlights from TheStreet Ratings analysis on FRF go as follows:

  • FRF's revenue growth has slightly outpaced the industry average of 7.8%. Since the same quarter one year prior, revenues rose by 12.9%. This growth in revenue appears to have trickled down to the company's bottom line, improving the earnings per share.
  • Although FRF's debt-to-equity ratio of 0.29 is very low, it is currently higher than that of the industry average.
  • Compared to where it was 12 months ago, the stock is up, but it has so far lagged the appreciation in the S&P 500. Despite the fact that it has already risen in the past year, there is currently no conclusive evidence that warrants the purchase or sale of this stock.
  • Net operating cash flow has significantly decreased to -$9.89 million or 663.78% when compared to the same quarter last year. In addition, when comparing to the industry average, the firm's growth rate is much lower.
  • The company's current return on equity has slightly decreased from the same quarter one year prior. This implies a minor weakness in the organization. When compared to other companies in the Insurance industry and the overall market, FORTEGRA FINANCIAL CORP's return on equity is below that of both the industry average and the S&P 500.

You can view the full analysis from the report here:

Fortegra Financial Ratings Report

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

At the close,

Independence

(

IHC

) was down $0.65 (4.4%) to $13.99 on average volume. Throughout the day, 11,793 shares of Independence exchanged hands as compared to its average daily volume of 13,300 shares. The stock ranged in price between $13.79-$14.59 after having opened the day at $14.59 as compared to the previous trading day's close of $14.64.

Independence Holding Company provides life and health insurance products in the United States, the Virgin Islands, and Puerto Rico. Independence has a market cap of $258.9 million and is part of the financial sector. Shares are up 8.5% year-to-date as of the close of trading on Monday.

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TheStreet Ratings rates

Independence

as a

buy

. The company's strengths can be seen in multiple areas, such as its revenue growth, largely solid financial position with reasonable debt levels by most measures, expanding profit margins and solid stock price performance. We feel these strengths outweigh the fact that the company has had somewhat weak growth in earnings per share.

Highlights from TheStreet Ratings analysis on IHC go as follows:

  • Despite its growing revenue, the company underperformed as compared with the industry average of 7.8%. Since the same quarter one year prior, revenues slightly increased by 2.3%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
  • IHC's debt-to-equity ratio is very low at 0.16 and is currently below that of the industry average, implying that there has been very successful management of debt levels.
  • 38.62% is the gross profit margin for INDEPENDENCE HOLDING CO which we consider to be strong. It has increased from the same quarter the previous year. Regardless of the strong results of the gross profit margin, the net profit margin of 2.62% trails the industry average.
  • Compared to where it was a year ago today, the stock is now trading at a higher level, regardless of the company's weak earnings results. The stock's price rise over the last year has driven it to a level which is somewhat expensive compared to the rest of its industry. We feel, however, that other strengths this company displays justify these higher price levels.
  • INDEPENDENCE HOLDING CO's earnings per share declined by 19.2% in the most recent quarter compared to the same quarter a year ago. The company has suffered a declining pattern earnings per share over the past two years. During the past fiscal year, INDEPENDENCE HOLDING CO reported lower earnings of $0.78 versus $1.10 in the prior year.

You can view the full analysis from the report here:

Independence Ratings Report

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

Life Partners Holdings

(

LPHI

) was another company that pushed the Insurance industry lower today. Life Partners Holdings was down $0.13 (5.2%) to $2.35 on heavy volume. Throughout the day, 36,609 shares of Life Partners Holdings exchanged hands as compared to its average daily volume of 16,200 shares. The stock ranged in price between $2.28-$2.49 after having opened the day at $2.46 as compared to the previous trading day's close of $2.48.

Life Partners Holdings, Inc., through its subsidiary, Life Partners, Inc., operates in the secondary market for life insurance worldwide. It facilitates the sale of life settlements between sellers and purchasers, but does not take possession or control of the policies. Life Partners Holdings has a market cap of $46.4 million and is part of the financial sector. Shares are up 39.3% year-to-date as of the close of trading on Monday.

TheStreet Ratings rates

Life Partners Holdings

as a

sell

. The company's weaknesses can be seen in multiple areas, such as its unimpressive growth in net income, disappointing return on equity and generally disappointing historical performance in the stock itself.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.

Highlights from TheStreet Ratings analysis on LPHI go as follows:

  • The company, on the basis of change in net income from the same quarter one year ago, has significantly underperformed against the S&P 500 and did not exceed that of the Diversified Financial Services industry. The net income has decreased by 6.9% when compared to the same quarter one year ago, dropping from -$1.31 million to -$1.40 million.
  • The company's current return on equity has slightly decreased from the same quarter one year prior. This implies a minor weakness in the organization. Compared to other companies in the Diversified Financial Services industry and the overall market, LIFE PARTNERS HOLDINGS INC's return on equity significantly trails that of both the industry average and the S&P 500.
  • LPHI has underperformed the S&P 500 Index, declining 20.65% from its price level of one year ago. The fact that the stock is now selling for less than others in its industry in relation to its current earnings is not reason enough to justify a buy rating at this time.
  • LIFE PARTNERS HOLDINGS INC reported flat earnings per share in the most recent quarter. This company has not demonstrated a clear trend in earnings over the past 2 years, making it difficult to accurately predict earnings for the coming year. During the past fiscal year, LIFE PARTNERS HOLDINGS INC continued to lose money by earning -$0.13 versus -$0.16 in the prior year.
  • Net operating cash flow has significantly increased by 220.53% to $3.09 million when compared to the same quarter last year. In addition, LIFE PARTNERS HOLDINGS INC has also vastly surpassed the industry average cash flow growth rate of -18.61%.

You can view the full analysis from the report here:

Life Partners Holdings Ratings Report

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.