What is Flanigan's Enterprises's self-insurance reserve?

Flanigan's Enterprises (BDL) reported self-insurance reserve of $1M in Q3 2025.

What does self-insurance reserve mean?

The estimated liability for claims and losses that the company has chosen to retain rather than transfer to an insurance carrier. This reserve covers potential costs such as workers' compensation or general liability. It reflects the company's risk management strategy and the expected financial impact of future claims.

Flanigan's Enterprises BDL Self-Insurance Reserve

Self-Insurance Reserve at other companies

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$1.1M+10.0%

BGC Group, Inc.BGC

$4.1M+5.1%

Century CommunitiesCCS

$43.82M+23.6%

Surgery Partners, Inc.SGRY

$26.9M+36.5%

Warrior Met CoalHCC

$36.1M-1.6%

Flanigan's EnterprisesBDL

$1M0.0%

Other financials

Income statement

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Revenue$56.5M+5.9%

Gross profit$48.0M+9.7%

Operating income$4.2M+18.6%

Net income$2.9M+6.9%

EPS (diluted)$1.55+6.9%

Balance sheet

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Cash & equivalents$22.8M-0.6%

Total debt$47.2M-3.0%

Total equity$68.8M+7.5%

Total assets$144.8M+1.0%

Cash flow

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Operating cash flow$2.1M—

CapEx$881.0K-10.5%

Free cash flow$1.3M—

Valuation

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Market cap$83.34M+24.2%

Enterprise value$107.68M+11.3%

P/E14×-1.6×

P/S0.4×+0.1×

Profitability

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Gross margin97.3%+0.1pp

Operating margin4.9%+1.4pp

Net margin2.8%+0.8pp

FCF margin4.1%—

Returns & leverage

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Return on equity9%+2.5pp

Debt / equity0.7×-0.1×

Current ratio1.8×+0.1×

Where this comes from

Reported directly by Flanigan's Enterprises in its filing.

Tagged under the XBRL concept us-gaap:SelfInsuranceReserve.

The official record: Flanigan's Enterprises’s 10-K, filed December 19, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Flanigan's Enterprises's self-insurance reserve?: Flanigan's Enterprises (BDL) reported self-insurance reserve of $1M in Q3 2025.
What does self-insurance reserve mean?: The estimated liability for claims and losses that the company has chosen to retain rather than transfer to an insurance carrier. This reserve covers potential costs such as workers' compensation or general liability. It reflects the company's risk management strategy and the expected financial impact of future claims.