What is Franklin Covey's self-insurance reserve?

Franklin Covey (FC) reported self-insurance reserve of $1.1M in Q2 2025.

What does self-insurance reserve mean?

This represents the estimated liability for claims and losses under self-insured retention programs where the company assumes the financial risk rather than transferring it to an insurer. It reflects the company's internal provision for potential future payouts related to self-insured risks. Monitoring this helps assess the adequacy of risk management reserves.

Franklin Covey FC Self-Insurance Reserve

Self-Insurance Reserve at other companies

Franklin CoveyFC

$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$59.6M+0.1%

Gross profit$45.3M-1.0%

Operating income-$2.0M-37.4%

Net income-$2.0M-84.2%

EPS (diluted)-$0.17-113%

Balance sheet

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Cash & equivalents$13.7M-66.0%

Total debt$7.0M-14.0%

Total equity$38.1M-47.5%

Total assets$206.5M-6.7%

Cash flow

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Operating cash flow$16.3M—

CapEx$1.0M-18.6%

Free cash flow$15.2M—

Valuation

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Market cap$276.51M-18.9%

P/S1.1×-0.2×

Profitability

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Gross margin75.8%-1.2pp

Operating margin0%-9.2pp

Net margin-0.9%-7.1pp

FCF margin9.1%—

Returns & leverage

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Return on equity-4.2%-29.0pp

Debt / equity0.1×0.0×

Current ratio0.6×-0.3×

Where this comes from

Reported directly by Franklin Covey in its filing.

Tagged under the XBRL concept us-gaap:SelfInsuranceReserve.

The official record: Franklin Covey’s 10-K, filed November 12, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Franklin Covey's self-insurance reserve?: Franklin Covey (FC) reported self-insurance reserve of $1.1M in Q2 2025.
What does self-insurance reserve mean?: This represents the estimated liability for claims and losses under self-insured retention programs where the company assumes the financial risk rather than transferring it to an insurer. It reflects the company's internal provision for potential future payouts related to self-insured risks. Monitoring this helps assess the adequacy of risk management reserves.