Emergent Capital Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Emergent Capital Inc (EMGC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Emergent Capital Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 40M vs 1,093,575M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-56.5% annualized vs trailing 12 months), vs decelerating (-30.3%) for its tracked peer group.
- Growth: Emergent Capital Inc generated -95.0% revenue growth year over year in Q3 2020, vs 2.5% for its competitors combined.
- Profitability: Its -23.9% net margin compares with 21.9% for the peer group.
- Peer revenue share: Emergent Capital Inc accounted for 0.0% of combined revenue among its tracked peer group, down from 0.1% a year earlier.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
EMGC Sales vs. its Competitors, Q3 2020
Emergent Capital Inc reported revenue contraction of 95.04 % year on year in Q3 2020, below its competitors' combined revenue growth of 2.49 %.
With a net margin of -23.87 %, Emergent Capital Inc reported lower profitability than its competitors (21.91 %).
Emergent Capital Inc generated 0.00 % of the combined sales of its peer group, down from 0.05 % a year earlier.
API endpoints for this dataset
Emergent Capital Inc vs. its Competitors, Q3 2020
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Emergent Capital Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Emergent Capital Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Emergent Capital Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (7) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Emergent Capital Inc's competitor groups requires a Commercial License.
For context: the Life Insurance industry grew revenue 2.4% year over year, combined, vs -95.0% for Emergent Capital Inc. Emergent Capital Inc's share of combined industry revenue moved from 0.04% to 0.00%, a loss of 0.03 percentage points.
Emergent Capital Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Emergent Capital Inc | Yes | No | No | Yes |
| Competitors combined (41) | ||||
| Similar Growth & Profitability (8) | 100.00 % (7 of 7) | 37.50 % (3 of 8) | 0.00 % (0 of 8) | 28.60 % (2 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
EMGC Stock Performance relative to its Competitors
EMGC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Voya Financial Inc | 282.9% | Outperformed |
| 2 | Cno Financial Group Inc | 282.9% | Outperformed |
| 3 | Principal Financial Group inc | 282.9% | Outperformed |
| 4 | Allstate Corp | 282.9% | Outperformed |
| 5 | United Fire Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Emergent Capital Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Emergent Capital Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Emergent Capital Inc |
4,046.55 | 39.63 |
 The Cigna Group |
77,496.60 | 282,382.00 |
 Aon Plc |
71,314.53 | 17,707.00 |
 Allstate Corp |
66,021.27 | 70,137.00 |
 Metlife Inc |
63,570.86 | 79,403.00 |
 Aflac Incorporated |
62,722.01 | 18,069.00 |
| SUBTOTAL | 637,713.42 | 1,098,281.59 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Emergent Capital Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Emergent Capital Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| The Cigna Group | Evernorth 86.55 % |
| Aon Plc | Risk Capital 65.40 % |
| Allstate Corp | Allstate Protection 86.96 % |
| Metlife Inc | Group Benefits 33.54 % |
| Aflac Incorporated | Aflac Japan 65.91 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Emergent Capital Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Emergent Capital Inc | 4,047 | - | - |
| The Cigna Group | 77,497 | 4,171,078 | 102,555 |
| Aon Plc | 71,315 | 295,117 | 65,750 |
| Allstate Corp | 66,021 | 1,308,526 | 248,134 |
| Metlife Inc | 63,571 | 1,726,152 | 79,543 |
| Aflac Incorporated | 62,722 | 1,420,966 | 382,353 |
| PEERS TOTAL | 633,667 | 1,346,051 | 182,380 |
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Emergent Capital Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aon Plc | Europe, Middle East, and Africa, Other Than United Kingdom and Ireland 14.78 % |
| Planet Labs Pbc | North America 42.93 % |
| Blacksky Technology Inc | United States 50.38 % |
| Leaf Group Ltd | US 87.97 % |
| Citizens Inc | All Countries 66.88 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Emergent Capital Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Life Insurance industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (33 companies). See the full Life Insurance industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 39.93 % (avg) | - |
| Operating Margin | -124.60 % | industry median | -139.8 pp |
| EBITDA Margin | -73.16 % | 19.88 % (avg) | -93.0 pp |
| Capital Intensity (Capex / Revenue) | 0.00 % | 0.74 % (avg) | -0.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Emergent Capital Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2013 | 2014 | 2015 |
|---|---|---|---|
| Revenue Growth | 366.79 % | -50.81 % | 7.02 % |
| Operating Margin | 59.14 % | 28.54 % | 19.55 % |
| Return on Invested Capital | 10.93 % | 2.81 % | 1.40 % |
| P/E | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Emergent Capital Inc's Strategic Group Map
Emergent Capital Inc is shown in red; its closest peers by combined growth, margin and ROIC are labeled. See Methodology: Strategic Group Map for how this chart is built.
Emergent Capital Inc's trailing-12-month revenue growth of -73.7% and operating margin of 67.4% compares with an average of -23.2% growth and 62.4% margin across its 8 closest peers by combined growth, margin and ROIC -- Emergent Capital Inc sits below that peer average on growth and above it on margin.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Emergent Capital Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.00 % vs industry average 0.74 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Emergent Capital Inc's dedicated Suppliers and Customers pages, not here.
Emergent Capital Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Emergent Capital Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Emergent Capital Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Operating margin 139.8 points below the industry median.
- Return on equity 127.8 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-56.5% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-30.3% annualized).
Methodology: see Methodology: SWOT Analysis.
Emergent Capital Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Emergent Capital Inc | 4.68 | 5.02 | 0.86 |
| The Cigna Group | 0.12 | 0.82 | 0.76 |
| Aon Plc | 0.06 | 1.06 | 1.86 |
| Allstate Corp | 0.02 | 0.15 | 0.25 |
| Metlife Inc | 0.08 | 0.29 | 0.70 |
| Aflac Incorporated | 0.08 | 2.34 | 0.28 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Emergent Capital Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Emergent Capital Inc | Q3 2020 | -95.0 % | - |
| The Cigna Group | Q2 2026 | +6.7 % | +22.4 % |
| Aon Plc | Q3 2026 | +2.6 % | +1.3 % |
| Allstate Corp | Q2 2026 | +11.8 % | +55.8 % |
| Metlife Inc | Q2 2026 | +10.5 % | +6.0 % |
| Aflac Incorporated | Q2 2026 | -1.0 % | +37.7 % |
| PEERS TOTAL | +9.2 % | +78.3 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Emergent Capital Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Emergent Capital Inc | Q3 2020 | - | - |
| The Cigna Group | Q2 2026 | +6.4 % | - |
| Aon Plc | Q3 2026 | - | +36.2 % |
| Allstate Corp | Q2 2026 | +6.1 % | - |
| Metlife Inc | Q2 2026 | +1,959.3 % | - |
| Aflac Incorporated | Q2 2026 | +5.7 % | - |
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Emergent Capital Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Emergent Capital Inc | 7.94% | 8.17% | 25.50% |
| The Cigna Group | 4.44% | 6.84% | 16.41% |
| Aon Plc | 7.15% | 9.96% | 40.15% |
| Allstate Corp | 10.88% | 16.50% | 43.12% |
| Metlife Inc | 0.49% | 0.77% | 12.93% |
| Aflac Incorporated | 4.13% | 9.64% | 16.42% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Emergent Capital Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Emergent Capital Inc | 427.79 | 102.11 |
| The Cigna Group | 12.45 | 0.27 |
| Aon Plc | 18.55 | 4.03 |
| Allstate Corp | 5.10 | 0.94 |
| Metlife Inc | 18.86 | 0.80 |
| Aflac Incorporated | 13.38 | 3.47 |
| PEERS AVERAGE | 4.29 | 0.58 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.