{ "company_details": [ { "company_id": "0001448893", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001448893.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001448893.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001448893.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001448893_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001448893_main_keyfigs.svg", "name": "Essent Group Ltd", "rank": 1, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001448893.svg", "report_text": "The relative strengths and weaknesses of Essent Group Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Essent Group Ltd compared to the market average is the variable Net Income, increasing the Economic Capital Ratio by 110% points.The greatest weakness of Essent Group Ltd is the variable Other Compr. Net Income, reducing the Economic Capital Ratio by 41% points.

The company's Economic Capital Ratio, given in the ranking table, is 142%, being 120% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001448893_2023_Essent_Group_Ltd.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "40.3", "Stockholders Equity": "65.7", "ECR before LimitedLiability": "129", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "24.6", "Liability For Claims And Claims Adjustment Expense": "12.0", "Investments": "-18.0", "Assets": "-8.33", "Expenses": "60.5", "Revenues": "23.8", "Net Income": "83.7", "Other Expenses": "-19.0", "Costs And Expenses": "11.0", "Policyholder Benefits And Claims Incurred Net": "29.8", "Benefits Losses And Expenses": "29.1", "Premiums Earned Net": "41.4", "Other Revenues": "-6.86", "Operating Revenue": "-18.1", "Net Investment Income": "7.31", "Comprehensive Net Income": "77.0", "Other Compr. Net Income": "-6.68", "Economic Capital Ratio": "120" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "22.8", "Liabilities": "36.1", "Stockholders Equity": "72.7", "ECR before LimitedLiability": "132", "Unearned Premiums": "7.24", "Liability For Claims And Claims Adjustment Expense": "18.8", "Other Liabilities": "-13.9", "Expenses": "98.9", "Revenues": "18.0", "Net Income": "110", "Benefits Losses And Expenses": "29.9", "Costs And Expenses": "11.7", "Policyholder Benefits And Claims Incurred Net": "29.5", "Other Expenses": "19.3", "Net Investment Income": "11.3", "Premiums Earned Net": "32.3", "Operating Revenue": "-16.5", "Other Revenues": "-9.13", "Comprehensive Net Income": "73.9", "Other Compr. Net Income": "-41.0", "Economic Capital Ratio": "120" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001448893_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "12,178", "Goodwill": "0", "Intangible Assets": "0", "Investments": "5,133,359", "Liability For Claims And Claims Adjustment Expense": "407,445", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "88,765", "Operating Expenses": "0", "Operating Revenue": "418", "Other Assets": "564,716", "Other Compr. Net Income": "-87,567", "Other Expenses": "346,727", "Other Liabilities": "893,230", "Other Net Income": "0", "Other Revenues": "66,784", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "872,543", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "11,921", "Reinsurance Payable": "0", "Unearned Premiums": "185,385" }, "output_variables": { "Liabilities": "1,486,060", "Assets": "5,722,174", "Expenses": "346,727", "Revenues": "1,028,510", "Stockholders Equity": "4,236,114", "Net Income": "681,783", "Comprehensive Net Income": "594,216", "BaseVar": "6,975,880", "ECR before LimitedLiability": "158%", "Economic Capital Ratio": "158%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "9,910", "Goodwill": "0", "Intangible Assets": "0", "Investments": "4,999,566", "Liability For Claims And Claims Adjustment Expense": "216,464", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "124,409", "Operating Expenses": "0", "Operating Revenue": "-13,172", "Other Assets": "694,750", "Other Compr. Net Income": "-433,497", "Other Expenses": "169,471", "Other Liabilities": "882,137", "Other Net Income": "0", "Other Revenues": "47,060", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "842,527", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "19,571", "Reinsurance Payable": "0", "Unearned Premiums": "162,887" }, "output_variables": { "Liabilities": "1,261,488", "Assets": "5,723,797", "Expenses": "169,471", "Revenues": "1,000,824", "Stockholders Equity": "4,462,309", "Net Income": "831,353", "Comprehensive Net Income": "397,856", "BaseVar": "7,189,383", "ECR before LimitedLiability": "142%", "Economic Capital Ratio": "142%" } } }, "top_rated": true, "trend": 0.0, "value": 1.4194789360790703, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001448893.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001448893.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001448893.svg" }, { "company_id": "0000876437", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000876437.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000876437.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000876437.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000876437_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000876437_main_keyfigs.svg", "name": "MGIC Investment CORP", "rank": 2, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000876437.svg", "report_text": "The relative strengths and weaknesses of MGIC Investment CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of MGIC Investment CORP compared to the market average is the variable Net Income, increasing the Economic Capital Ratio by 108% points.The greatest weakness of MGIC Investment CORP is the variable Other Compr. Net Income, reducing the Economic Capital Ratio by 80% points.

The company's Economic Capital Ratio, given in the ranking table, is 115%, being 93% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000876437_2023_MGIC_Investment_CORP.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "5.91", "Liabilities": "33.8", "Stockholders Equity": "64.8", "ECR before LimitedLiability": "105", "Unearned Premiums": "7.13", "Liability For Claims And Claims Adjustment Expense": "25.4", "Assets": "11.5", "Investments": "24.8", "Expenses": "104", "Net Income": "108", "Costs And Expenses": "12.7", "Policyholder Benefits And Claims Incurred Net": "61.8", "Other Expenses": "34.8", "Net Investment Income": "14.3", "Revenues": "15.2", "Premiums Earned Net": "33.7", "Operating Revenue": "-16.0", "Other Revenues": "-16.9", "Comprehensive Net Income": "54.4", "Other Compr. Net Income": "-80.3", "Economic Capital Ratio": "92.5" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000876437_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "236,697", "Cash And Cash Equivalents At Carrying Value": "327,384", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "12,366", "Deferred Policy Acquisition Costs": "19,062", "Goodwill": "0", "Intangible Assets": "0", "Investments": "5,424,688", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "557,988", "Net Investment Income": "167,476", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "343,240", "Other Compr. Net Income": "-825,893", "Other Expenses": "88,253", "Other Liabilities": "817,776", "Other Net Income": "0", "Other Revenues": "-1,824", "Policyholder Benefits And Claims Incurred Net": "-254,565", "Premiums Earned Net": "1,007,133", "Premiums Receivable At Carrying Value": "58,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "41,419", "Reinsurance Payable": "0", "Unearned Premiums": "195,289" }, "output_variables": { "Liabilities": "1,571,053", "Assets": "6,213,793", "Expenses": "82,751", "Revenues": "1,172,785", "Stockholders Equity": "4,642,740", "Net Income": "1,090,034", "Comprehensive Net Income": "264,141", "BaseVar": "8,690,117", "ECR before LimitedLiability": "115%", "Economic Capital Ratio": "115%" } } }, "top_rated": true, "trend": null, "value": 1.1477704352733953, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000876437.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000876437.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000876437.svg" }, { "company_id": "0001591890", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001591890.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001591890.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001591890.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001591890_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001591890_main_keyfigs.svg", "name": "FG Financial Group Inc", "rank": 3, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001591890.svg", "report_text": "The relative strengths and weaknesses of FG Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of FG Financial Group Inc compared to the market average is the variable Other Net Income, increasing the Economic Capital Ratio by 101% points.The greatest weakness of FG Financial Group Inc is the variable Revenues, reducing the Economic Capital Ratio by 217% points.

The company's Economic Capital Ratio, given in the ranking table, is 101%, being 79% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001591890_2023_FG_Financial_Group_Inc.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "33.9", "Liabilities": "68.1", "Stockholders Equity": "52.2", "ECR before LimitedLiability": "91.1", "Liability For Claims And Claims Adjustment Expense": "39.2", "Other Liabilities": "15.4", "Expenses": "-50.7", "Revenues": "-217", "Net Income": "26.3", "Benefits Losses And Expenses": "-68.0", "Costs And Expenses": "22.3", "Policyholder Benefits And Claims Incurred Net": "55.4", "Other Expenses": "-79.8", "Premiums Earned Net": "-150", "Operating Revenue": "-28.2", "Other Revenues": "-29.3", "Other Assets": "43.4", "Other Net Income": "101", "Comprehensive Net Income": "56.1", "Other Compr. Net Income": "30.8", "Economic Capital Ratio": "78.7" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001591890_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "8,354", "Cash And Cash Equivalents At Carrying Value": "3,010", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "1,527", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "225", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "44,938", "Other Compr. Net Income": "0", "Other Expenses": "10,653", "Other Liabilities": "5,132", "Other Net Income": "20,095", "Other Revenues": "0", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "6,823" }, "output_variables": { "Liabilities": "12,180", "Assets": "49,475", "Expenses": "19,007", "Revenues": "0", "Stockholders Equity": "37,295", "Net Income": "1,088", "Comprehensive Net Income": "1,088", "BaseVar": "120,958", "ECR before LimitedLiability": "101%", "Economic Capital Ratio": "101%" } } }, "top_rated": true, "trend": null, "value": 1.0095593283925997, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001591890.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001591890.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001591890.svg" }, { "company_id": "0000094344", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000094344.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000094344.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000094344.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000094344_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000094344_main_keyfigs.svg", "name": "Stewart Information Services CORP", "rank": 4, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000094344.svg", "report_text": "The relative strengths and weaknesses of Stewart Information Services CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Stewart Information Services CORP compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 72% points.The greatest weakness of Stewart Information Services CORP is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 298% points.

The company's Economic Capital Ratio, given in the ranking table, is 72%, being 49% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000094344_2023_Stewart_Information_Services_CORP.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "101", "Stockholders Equity": "-24.2", "ECR before LimitedLiability": "77.7", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "63.8", "Other Liabilities": "50.7", "Unearned Premiums": "38.1", "Liability For Claims And Claims Adjustment Expense": "51.7", "Deferred Policy Acquisition Cost Amortization Expense": "23.8", "Expenses": "-214", "Revenues": "107", "Net Income": "57.9", "Other Expenses": "69.6", "Costs And Expenses": "43.6", "Operating Expenses": "-262", "Policyholder Benefits And Claims Incurred Net": "83.5", "Benefits Losses And Expenses": "-183", "Premiums Earned Net": "-280", "Other Revenues": "-56.2", "Operating Revenue": "107", "Comprehensive Net Income": "67.5", "Economic Capital Ratio": "68.8" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "45.5", "Liabilities": "67.6", "ECR before LimitedLiability": "61.8", "Unearned Premiums": "31.6", "Liability For Claims And Claims Adjustment Expense": "38.7", "Assets": "-34.5", "Investments": "-28.2", "Expenses": "-186", "Revenues": "71.6", "Net Income": "51.0", "Benefits Losses And Expenses": "-213", "Costs And Expenses": "39.7", "Policyholder Benefits And Claims Incurred Net": "63.7", "Operating Expenses": "-257", "Other Expenses": "71.4", "Premiums Earned Net": "-298", "Operating Revenue": "71.6", "Other Revenues": "-58.2", "Comprehensive Net Income": "69.0", "Other Compr. Net Income": "40.4", "Economic Capital Ratio": "49.4" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000094344_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "1,403,730", "Cash And Cash Equivalents At Carrying Value": "485,919", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "924,837", "Intangible Assets": "229,804", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "549,614", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "16,855", "Operating Expenses": "1,300,431", "Operating Revenue": "3,264,616", "Other Assets": "981,006", "Other Compr. Net Income": "-33,535", "Other Expenses": "135,406", "Other Liabilities": "969,013", "Other Net Income": "0", "Other Revenues": "24,321", "Policyholder Benefits And Claims Incurred Net": "126,243", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "72,456", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "1,518,627", "Assets": "2,813,362", "Expenses": "2,965,810", "Revenues": "3,305,792", "Stockholders Equity": "1,294,735", "Net Income": "339,982", "Comprehensive Net Income": "306,447", "BaseVar": "16,699,335", "ECR before LimitedLiability": "107%", "Economic Capital Ratio": "107%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "1,450,023", "Cash And Cash Equivalents At Carrying Value": "248,367", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "1,072,982", "Intangible Assets": "199,084", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "549,448", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "22,421", "Operating Expenses": "1,208,307", "Operating Revenue": "3,048,351", "Other Assets": "1,099,723", "Other Compr. Net Income": "-71,079", "Other Expenses": "126,445", "Other Liabilities": "818,166", "Other Net Income": "0", "Other Revenues": "-1,476", "Policyholder Benefits And Claims Incurred Net": "102,733", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "1,367,614", "Assets": "2,737,879", "Expenses": "2,887,508", "Revenues": "3,069,296", "Stockholders Equity": "1,370,265", "Net Income": "181,788", "Comprehensive Net Income": "110,709", "BaseVar": "15,947,017", "ECR before LimitedLiability": "72%", "Economic Capital Ratio": "72%" } } }, "top_rated": true, "trend": -2.0, "value": 0.7160827786404438, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000094344.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000094344.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000094344.svg" }, { "company_id": "0000731766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000731766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000731766.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000731766.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000731766_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000731766_main_keyfigs.svg", "name": "Unitedhealth Group INC", "rank": 5, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000731766.svg", "report_text": "The relative strengths and weaknesses of Unitedhealth Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Unitedhealth Group INC compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 69% points.The greatest weakness of Unitedhealth Group INC is the variable Costs And Expenses, reducing the Economic Capital Ratio by 510% points.

The company's Economic Capital Ratio, given in the ranking table, is 69%, being 47% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000731766_2023_Unitedhealth_Group_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "71.3", "Assets": "-40.3", "Stockholders Equity": "-41.2", "ECR before LimitedLiability": "43.1", "Other Liabilities": "61.7", "Unearned Premiums": "33.3", "Liability For Claims And Claims Adjustment Expense": "48.0", "Investments": "-32.7", "Other Assets": "-21.3", "Deferred Policy Acquisition Cost Amortization Expense": "25.2", "Expenses": "-259", "Revenues": "72.4", "Net Income": "30.4", "Other Expenses": "63.3", "Costs And Expenses": "-530", "Policyholder Benefits And Claims Incurred Net": "72.2", "Premiums Earned Net": "72.4", "Other Revenues": "66.7", "Operating Revenue": "-78.7", "Comprehensive Net Income": "41.4", "Economic Capital Ratio": "34.2" }, "2022": { "Liabilities": "65.3", "Stockholders Equity": "-36.7", "ECR before LimitedLiability": "59.0", "Unearned Premiums": "31.9", "Liability For Claims And Claims Adjustment Expense": "44.3", "Other Liabilities": "48.0", "Assets": "-38.4", "Investments": "-30.2", "Deferred Policy Acquisition Cost Amortization Expense": "23.2", "Expenses": "-204", "Revenues": "68.8", "Net Income": "56.7", "Costs And Expenses": "-510", "Policyholder Benefits And Claims Incurred Net": "68.2", "Other Expenses": "68.8", "Premiums Earned Net": "68.8", "Operating Revenue": "-58.7", "Other Revenues": "62.9", "Comprehensive Net Income": "68.6", "Other Compr. Net Income": "47.1", "Economic Capital Ratio": "46.6" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000731766_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "42,579,000", "Cash And Cash Equivalents At Carrying Value": "21,375,000", "Costs And Expenses": "217,945,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "75,795,000", "Intangible Assets": "10,044,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "24,483,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "132,462,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "-8,849,000", "Other Compr. Net Income": "-2,017,000", "Other Expenses": "9,341,000", "Other Liabilities": "-21,218,000", "Other Net Income": "0", "Other Revenues": "61,364,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "226,233,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "8,969,000", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "135,727,000", "Assets": "212,206,000", "Expenses": "269,865,000", "Revenues": "287,597,000", "Stockholders Equity": "76,479,000", "Net Income": "17,732,000", "Comprehensive Net Income": "15,715,000", "BaseVar": "1,463,565,595", "ECR before LimitedLiability": "72%", "Economic Capital Ratio": "72%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "47,782,000", "Cash And Cash Equivalents At Carrying Value": "23,365,000", "Costs And Expenses": "244,545,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "93,352,000", "Intangible Assets": "14,401,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "29,056,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "156,589,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "-8,338,000", "Other Compr. Net Income": "-3,528,000", "Other Expenses": "11,196,000", "Other Liabilities": "-26,287,000", "Other Net Income": "0", "Other Revenues": "67,005,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "257,157,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "10,128,000", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "159,358,000", "Assets": "245,705,000", "Expenses": "303,523,000", "Revenues": "324,162,000", "Stockholders Equity": "86,347,000", "Net Income": "20,639,000", "Comprehensive Net Income": "17,111,000", "BaseVar": "1,657,477,465", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "69%" } } }, "top_rated": true, "trend": -2.0, "value": 0.688220160569777, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000731766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000731766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000731766.svg" }, { "company_id": "0000890926", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000890926.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000890926.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000890926.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000890926_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000890926_main_keyfigs.svg", "name": "Radian Group INC", "rank": 6, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000890926.svg", "report_text": "The relative strengths and weaknesses of Radian Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Radian Group INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 63% points.The greatest weakness of Radian Group INC is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 77% points.

The company's Economic Capital Ratio, given in the ranking table, is 69%, being 47% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000890926_2023_Radian_Group_INC.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "-4.92", "Assets": "23.8", "Stockholders Equity": "34.2", "ECR before LimitedLiability": "58.9", "Investments": "38.2", "Expenses": "58.8", "Net Income": "57.7", "Benefits Losses And Expenses": "-5.39", "Policyholder Benefits And Claims Incurred Net": "49.2", "Other Expenses": "13.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "13.5", "Unearned Premiums": "4.40", "Liability For Claims And Claims Adjustment Expense": "11.2", "Other Liabilities": "-36.1", "Net Investment Income": "-4.94", "Comprehensive Net Income": "33.0", "Other Compr. Net Income": "-36.3", "Premiums Earned Net": "-76.6", "Operating Revenue": "-14.3", "Other Revenues": "63.2", "Economic Capital Ratio": "46.5" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000890926_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "381,148", "Cash And Cash Equivalents At Carrying Value": "56,183", "Costs And Expenses": "82,358", "Deferred Policy Acquisition Cost Amortization Expense": "23,918", "Deferred Policy Acquisition Costs": "18,460", "Goodwill": "0", "Intangible Assets": "0", "Investments": "5,693,491", "Liability For Claims And Claims Adjustment Expense": "426,843", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "152,067", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,198,981", "Other Compr. Net Income": "-576,892", "Other Expenses": "298,607", "Other Liabilities": "2,294,013", "Other Net Income": "0", "Other Revenues": "1,190,726", "Policyholder Benefits And Claims Incurred Net": "-338,239", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "70,981", "Reinsurance Payable": "0", "Unearned Premiums": "271,479" }, "output_variables": { "Liabilities": "3,144,402", "Assets": "7,063,729", "Expenses": "447,792", "Revenues": "1,190,726", "Stockholders Equity": "3,919,327", "Net Income": "742,934", "Comprehensive Net Income": "166,042", "BaseVar": "10,210,586", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "69%" } } }, "top_rated": true, "trend": null, "value": 0.6877944051221894, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000890926.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000890926.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000890926.svg" }, { "company_id": "0001156039", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001156039.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001156039.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001156039.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001156039_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001156039_main_keyfigs.svg", "name": "Elevance Health Inc", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001156039.svg", "report_text": "The relative strengths and weaknesses of Elevance Health Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Elevance Health Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 51% points.The greatest weakness of Elevance Health Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 499% points.

The company's Economic Capital Ratio, given in the ranking table, is 51%, being 29% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001156039_2023_Elevance_Health_Inc.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "50.3", "Assets": "-52.5", "Stockholders Equity": "-46.1", "ECR before LimitedLiability": "40.9", "Unearned Premiums": "26.7", "Liability For Claims And Claims Adjustment Expense": "39.5", "Other Liabilities": "40.5", "Other Assets": "-30.3", "Investments": "-40.8", "Expenses": "-259", "Revenues": "50.8", "Net Income": "40.1", "Benefits Losses And Expenses": "30.9", "Policyholder Benefits And Claims Incurred Net": "-499", "Other Expenses": "50.8", "Premiums Earned Net": "50.8", "Operating Revenue": "-67.2", "Other Revenues": "38.2", "Comprehensive Net Income": "50.7", "Other Compr. Net Income": "41.1", "Economic Capital Ratio": "28.5" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001156039_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "17,686,000", "Cash And Cash Equivalents At Carrying Value": "7,387,000", "Costs And Expenses": "13,035,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "24,383,000", "Intangible Assets": "10,315,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "15,596,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "64,344,000", "Net Investment Income": "1,485,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "-6,329,000", "Other Compr. Net Income": "-2,319,000", "Other Expenses": "3,368,000", "Other Liabilities": "-14,674,000", "Other Net Income": "0", "Other Revenues": "21,881,000", "Policyholder Benefits And Claims Incurred Net": "116,487,000", "Premiums Earned Net": "133,229,000", "Premiums Receivable At Carrying Value": "7,083,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "4,316,000", "Reinsurance Payable": "0", "Unearned Premiums": "1,112,000" }, "output_variables": { "Liabilities": "66,378,000", "Assets": "102,772,000", "Expenses": "150,576,000", "Revenues": "156,595,000", "Stockholders Equity": "36,394,000", "Net Income": "6,019,000", "Comprehensive Net Income": "3,700,000", "BaseVar": "797,949,450", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "51%" } } }, "top_rated": true, "trend": null, "value": 0.50768111051104, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001156039.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001156039.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001156039.svg" }, { "company_id": "0000049071", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000049071.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000049071.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000049071.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000049071_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000049071_main_keyfigs.svg", "name": "Humana INC", "rank": 8, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000049071.svg", "report_text": "The relative strengths and weaknesses of Humana INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Humana INC compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 50% points.The greatest weakness of Humana INC is the variable Costs And Expenses, reducing the Economic Capital Ratio by 912% points.

The company's Economic Capital Ratio, given in the ranking table, is 50%, being 28% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000049071_2023_Humana_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "63.9", "Assets": "-52.5", "Stockholders Equity": "-67.0", "ECR before LimitedLiability": "34.6", "Other Liabilities": "59.9", "Unearned Premiums": "36.9", "Liability For Claims And Claims Adjustment Expense": "52.7", "Investments": "-42.6", "Other Assets": "-27.5", "Deferred Policy Acquisition Cost Amortization Expense": "31.4", "Expenses": "-404", "Revenues": "63.9", "Comprehensive Net Income": "33.8", "Other Expenses": "63.9", "Costs And Expenses": "-814", "Policyholder Benefits And Claims Incurred Net": "63.9", "Benefits Losses And Expenses": "37.0", "Premiums Earned Net": "63.9", "Other Revenues": "-49.9", "Operating Revenue": "-107", "Economic Capital Ratio": "25.7" }, "2022": { "Liabilities": "50.0", "Assets": "-61.9", "Stockholders Equity": "-75.0", "ECR before LimitedLiability": "40.1", "Unearned Premiums": "34.8", "Liability For Claims And Claims Adjustment Expense": "41.5", "Other Liabilities": "44.5", "Other Assets": "-36.0", "Investments": "-48.4", "Expenses": "-400", "Net Income": "43.3", "Costs And Expenses": "-912", "Policyholder Benefits And Claims Incurred Net": "50.0", "Other Expenses": "50.0", "Net Investment Income": "-31.8", "Revenues": "50.0", "Premiums Earned Net": "50.0", "Operating Revenue": "-93.0", "Other Revenues": "-29.4", "Comprehensive Net Income": "50.0", "Other Compr. Net Income": "47.6", "Economic Capital Ratio": "27.7" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000049071_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "10,121,000", "Cash And Cash Equivalents At Carrying Value": "3,394,000", "Costs And Expenses": "69,199,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "11,092,000", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "8,289,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "28,255,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,906,000", "Other Compr. Net Income": "-350,000", "Other Expenses": "1,407,000", "Other Liabilities": "-8,289,000", "Other Net Income": "597,000", "Other Revenues": "3,242,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "79,822,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "3,073,000", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "28,255,000", "Assets": "44,358,000", "Expenses": "80,727,000", "Revenues": "83,064,000", "Stockholders Equity": "16,103,000", "Net Income": "2,934,000", "Comprehensive Net Income": "2,584,000", "BaseVar": "416,027,590", "ECR before LimitedLiability": "64%", "Economic Capital Ratio": "64%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "12,671,000", "Cash And Cash Equivalents At Carrying Value": "5,061,000", "Costs And Expenses": "75,690,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "9,142,000", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "9,264,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "27,685,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "-552,000", "Other Compr. Net Income": "-1,342,000", "Other Expenses": "1,872,000", "Other Liabilities": "-9,264,000", "Other Net Income": "165,000", "Other Revenues": "5,158,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "87,712,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "3,221,000", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "27,685,000", "Assets": "43,055,000", "Expenses": "90,233,000", "Revenues": "92,870,000", "Stockholders Equity": "15,370,000", "Net Income": "2,802,000", "Comprehensive Net Income": "1,460,000", "BaseVar": "460,896,050", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "50%" } } }, "top_rated": true, "trend": -1.0, "value": 0.49978572898542367, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000049071.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000049071.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000049071.svg" }, { "company_id": "0001739940", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001739940.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001739940.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001739940.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001739940_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001739940_main_keyfigs.svg", "name": "Cigna Group", "rank": 9, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001739940.svg", "report_text": "The relative strengths and weaknesses of Cigna Group are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Cigna Group compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 50% points.The greatest weakness of Cigna Group is the variable Costs And Expenses, reducing the Economic Capital Ratio by 429% points.

The company's Economic Capital Ratio, given in the ranking table, is 50%, being 28% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001739940_2023_Cigna_Group.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "43.9", "Assets": "-50.5", "Stockholders Equity": "-33.9", "ECR before LimitedLiability": "15.6", "Other Liabilities": "34.8", "Unearned Premiums": "19.6", "Liability For Claims And Claims Adjustment Expense": "33.9", "Investments": "-41.2", "Other Assets": "-23.4", "Goodwill": "11.4", "Deferred Policy Acquisition Cost Amortization Expense": "16.6", "Expenses": "-207", "Revenues": "44.9", "Comprehensive Net Income": "17.2", "Other Expenses": "42.7", "Costs And Expenses": "-372", "Benefits Losses And Expenses": "36.7", "Premiums Earned Net": "-109", "Other Revenues": "44.9", "Operating Revenue": "-64.6", "Other Compr. Net Income": "12.9", "Economic Capital Ratio": "6.71" }, "2022": { "Liabilities": "47.6", "Assets": "-46.7", "Stockholders Equity": "-36.4", "ECR before LimitedLiability": "40.0", "Unearned Premiums": "23.3", "Liability For Claims And Claims Adjustment Expense": "38.7", "Other Liabilities": "30.3", "Other Assets": "-24.1", "Investments": "-36.8", "Expenses": "-198", "Revenues": "49.8", "Net Income": "34.9", "Benefits Losses And Expenses": "40.6", "Costs And Expenses": "-429", "Other Expenses": "49.8", "Premiums Earned Net": "-144", "Operating Revenue": "-55.0", "Other Revenues": "49.8", "Comprehensive Net Income": "49.6", "Other Compr. Net Income": "39.7", "Economic Capital Ratio": "27.6" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001739940_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "13,030,000", "Cash And Cash Equivalents At Carrying Value": "5,081,000", "Costs And Expenses": "117,553,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "677,000", "Goodwill": "45,811,000", "Intangible Assets": "34,102,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "99,359,000", "Net Investment Income": "1,549,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "6,309,000", "Other Compr. Net Income": "-73,000", "Other Expenses": "3,365,000", "Other Liabilities": "8,346,000", "Other Net Income": "-1,153,000", "Other Revenues": "131,375,000", "Policyholder Benefits And Claims Incurred Net": "33,562,000", "Premiums Earned Net": "41,154,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "107,705,000", "Assets": "154,889,000", "Expenses": "167,510,000", "Revenues": "174,078,000", "Stockholders Equity": "47,184,000", "Net Income": "5,415,000", "Comprehensive Net Income": "5,342,000", "BaseVar": "921,483,270", "ECR before LimitedLiability": "44%", "Economic Capital Ratio": "45%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "13,186,000", "Cash And Cash Equivalents At Carrying Value": "5,924,000", "Costs And Expenses": "124,834,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "45,811,000", "Intangible Assets": "32,492,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "91,230,000", "Net Investment Income": "1,155,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "6,019,000", "Other Compr. Net Income": "-589,000", "Other Expenses": "3,483,000", "Other Liabilities": "7,751,000", "Other Net Income": "-61,000", "Other Revenues": "139,446,000", "Policyholder Benefits And Claims Incurred Net": "32,206,000", "Premiums Earned Net": "39,915,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "98,981,000", "Assets": "143,932,000", "Expenses": "173,709,000", "Revenues": "180,516,000", "Stockholders Equity": "44,951,000", "Net Income": "6,746,000", "Comprehensive Net Income": "6,157,000", "BaseVar": "939,443,375", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "50%" } } }, "top_rated": true, "trend": 3.0, "value": 0.4981881443784312, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001739940.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001739940.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001739940.svg" }, { "company_id": "0001179929", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001179929.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001179929.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001179929.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001179929_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001179929_main_keyfigs.svg", "name": "Molina Healthcare INC", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001179929.svg", "report_text": "The relative strengths and weaknesses of Molina Healthcare INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Molina Healthcare INC compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 47% points.The greatest weakness of Molina Healthcare INC is the variable Costs And Expenses, reducing the Economic Capital Ratio by 1,074% points.

The company's Economic Capital Ratio, given in the ranking table, is 47%, being 25% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001179929_2023_Molina_Healthcare_INC.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "47.0", "Assets": "-66.7", "Stockholders Equity": "-97.7", "ECR before LimitedLiability": "37.2", "Unearned Premiums": "35.8", "Liability For Claims And Claims Adjustment Expense": "40.3", "Other Liabilities": "43.7", "Other Assets": "-41.6", "Investments": "-52.3", "Expenses": "-460", "Revenues": "47.0", "Net Income": "41.7", "Benefits Losses And Expenses": "47.0", "Costs And Expenses": "-1,074", "Policyholder Benefits And Claims Incurred Net": "47.0", "Other Expenses": "47.0", "Premiums Earned Net": "47.0", "Operating Revenue": "-103", "Other Revenues": "-66.8", "Comprehensive Net Income": "47.0", "Other Compr. Net Income": "46.9", "Economic Capital Ratio": "24.8" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001179929_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "2,369,000", "Cash And Cash Equivalents At Carrying Value": "4,006,000", "Costs And Expenses": "27,175,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "3,528,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "9,135,000", "Net Investment Income": "143,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "-1,776,000", "Other Compr. Net Income": "-155,000", "Other Expenses": "1,528,000", "Other Liabilities": "-3,313,000", "Other Net Income": "-110,000", "Other Revenues": "948,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "30,883,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "9,350,000", "Assets": "12,314,000", "Expenses": "31,072,000", "Revenues": "31,974,000", "Stockholders Equity": "2,964,000", "Net Income": "792,000", "Comprehensive Net Income": "637,000", "BaseVar": "156,763,855", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "47%" } } }, "top_rated": true, "trend": null, "value": 0.4704163240391153, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001179929.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001179929.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001179929.svg" }, { "company_id": "0000776867", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000776867.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000776867.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000776867.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000776867_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000776867_main_keyfigs.svg", "name": "White Mountains Insurance Group Ltd", "rank": 11, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000776867.svg", "report_text": "The relative strengths and weaknesses of White Mountains Insurance Group Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of White Mountains Insurance Group Ltd compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 44% points.The greatest weakness of White Mountains Insurance Group Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 40% points.

The company's Economic Capital Ratio, given in the ranking table, is 44%, being 21% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000776867_2023_White_Mountains_Insurance_Group_Ltd.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "43.6", "Assets": "20.7", "Stockholders Equity": "24.6", "ECR before LimitedLiability": "33.7", "Investments": "-14.6", "Deferred Policy Acquisition Cost Amortization Expense": "-14.1", "Expenses": "8.61", "Net Income": "-8.64", "Policyholder Benefits And Claims Incurred Net": "22.0", "Other Expenses": "-9.53", "Revenues": "-17.1", "Premiums Earned Net": "8.83", "Operating Revenue": "-14.1", "Other Revenues": "-18.3", "Unearned Premiums": "7.25", "Liability For Claims And Claims Adjustment Expense": "13.3", "Other Liabilities": "-40.0", "Comprehensive Net Income": "10.7", "Other Compr. Net Income": "17.1", "Economic Capital Ratio": "21.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000776867_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "376,200", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "98,600", "Deferred Policy Acquisition Cost Amortization Expense": "250,600", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "575,200", "Net Investment Income": "124,400", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "7,389,300", "Other Compr. Net Income": "75,200", "Other Expenses": "623,300", "Other Liabilities": "2,879,100", "Other Net Income": "16,400", "Other Revenues": "-43,200", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "1,076,700", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "3,454,300", "Assets": "7,389,300", "Expenses": "1,348,700", "Revenues": "1,157,900", "Stockholders Equity": "3,935,000", "Net Income": "-174,400", "Comprehensive Net Income": "-99,200", "BaseVar": "11,410,651", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "44%" } } }, "top_rated": true, "trend": null, "value": 0.43565973271270825, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000776867.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000776867.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000776867.svg" }, { "company_id": "0001072627", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001072627.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001072627.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001072627.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001072627_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001072627_main_keyfigs.svg", "name": "Kingsway Financial Services Inc", "rank": 12, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001072627.svg", "report_text": "The relative strengths and weaknesses of Kingsway Financial Services Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Kingsway Financial Services Inc compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 42% points.The greatest weakness of Kingsway Financial Services Inc is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 109% points.

The company's Economic Capital Ratio, given in the ranking table, is 42%, being 19% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001072627_2023_Kingsway_Financial_Services_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-12.3", "Stockholders Equity": "-8.39", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "2.84", "Other Liabilities": "-63.1", "Liability For Claims And Claims Adjustment Expense": "3.17", "Expenses": "7.45", "ECR before LimitedLiability": "-18.4", "Other Expenses": "5.79", "Costs And Expenses": "2.80", "Policyholder Benefits And Claims Incurred Net": "2.69", "Benefits Losses And Expenses": "-11.6", "Premiums Earned Net": "-54.3", "Revenues": "-10.9", "Operating Revenue": "10.8", "Investments": "-11.2", "Other Assets": "-5.19", "Intangible Assets": "5.10", "Goodwill": "4.85", "Property Plant And Equipment Net": "5.15", "Economic Capital Ratio": "-27.3", "Other Net Income": "-4.26" }, "2022": { "Other Assets": "-8.94", "Assets": "-8.50", "Stockholders Equity": "-16.4", "ECR before LimitedLiability": "31.8", "Investments": "-12.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "14.5", "Unearned Premiums": "9.11", "Liability For Claims And Claims Adjustment Expense": "16.4", "Other Liabilities": "-104", "Net Income": "23.6", "Comprehensive Net Income": "36.3", "Other Compr. Net Income": "23.0", "Other Net Income": "25.5", "Operating Expenses": "-7.90", "Operating Revenue": "41.6", "Other Expenses": "7.73", "Premiums Earned Net": "-109", "Benefits Losses And Expenses": "-29.8", "Costs And Expenses": "12.3", "Other Revenues": "-20.1", "Economic Capital Ratio": "19.4" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001072627_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "48,733", "Cash And Cash Equivalents At Carrying Value": "12,642", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "10,930", "Goodwill": "110,247", "Intangible Assets": "108,230", "Investments": "68,437", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "7,042", "Operating Revenue": "78,401", "Other Assets": "56,561", "Other Compr. Net Income": "-9,482", "Other Expenses": "5,572", "Other Liabilities": "460,880", "Other Net Income": "-9,023", "Other Revenues": "13,365", "Policyholder Benefits And Claims Incurred Net": "19,536", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "108,587", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "460,880", "Assets": "475,634", "Expenses": "80,883", "Revenues": "91,766", "Stockholders Equity": "14,754", "Net Income": "1,860", "Comprehensive Net Income": "-7,622", "BaseVar": "908,867", "ECR before LimitedLiability": "-5.3%", "Economic Capital Ratio": "11%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "43,519", "Cash And Cash Equivalents At Carrying Value": "64,168", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "45,498", "Intangible Assets": "33,099", "Investments": "56,934", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "8,358", "Operating Revenue": "93,280", "Other Assets": "85,178", "Other Compr. Net Income": "5,483", "Other Expenses": "28,906", "Other Liabilities": "263,529", "Other Net Income": "23,463", "Other Revenues": "0", "Policyholder Benefits And Claims Incurred Net": "20,895", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "773", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "263,529", "Assets": "285,650", "Expenses": "101,678", "Revenues": "93,280", "Stockholders Equity": "22,121", "Net Income": "15,065", "Comprehensive Net Income": "20,548", "BaseVar": "790,688", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "42%" } } }, "top_rated": true, "trend": 18.0, "value": 0.4164296976704121, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001072627.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001072627.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001072627.svg" }, { "company_id": "0001385613", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001385613.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001385613.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001385613.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001385613_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001385613_main_keyfigs.svg", "name": "Greenlight Capital RE LTD", "rank": 13, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001385613.svg", "report_text": "The relative strengths and weaknesses of Greenlight Capital RE LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Greenlight Capital RE LTD compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 31% points.The greatest weakness of Greenlight Capital RE LTD is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 67% points.

The company's Economic Capital Ratio, given in the ranking table, is 38%, being 15% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001385613_2023_Greenlight_Capital_RE_LTD.pdf", "shrinked_graph_json": { "2022": { "Deferred Policy Acquisition Cost Amortization Expense": "-39.1", "Expenses": "-6.92", "Revenues": "20.2", "Net Income": "11.2", "Benefits Losses And Expenses": "21.0", "Costs And Expenses": "11.2", "Policyholder Benefits And Claims Incurred Net": "-67.5", "Other Expenses": "30.0", "Premiums Earned Net": "31.1", "Operating Revenue": "-17.8", "Comprehensive Net Income": "26.5", "ECR before LimitedLiability": "27.8", "Other Compr. Net Income": "15.2", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-17.0", "Economic Capital Ratio": "15.4", "Liability For Claims And Claims Adjustment Expense": "14.8", "Other Liabilities": "8.78", "Investments": "-12.4", "Unearned Premiums": "-7.56", "Other Assets": "9.77" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001385613_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "31,606", "Cash And Cash Equivalents At Carrying Value": "38,238", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "143,148", "Deferred Policy Acquisition Costs": "82,391", "Goodwill": "0", "Intangible Assets": "0", "Investments": "248,476", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "577,375", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "687,568", "Other Compr. Net Income": "0", "Other Expenses": "10,102", "Other Liabilities": "86,931", "Other Net Income": "0", "Other Revenues": "57,206", "Policyholder Benefits And Claims Incurred Net": "316,485", "Premiums Earned Net": "469,477", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "18,153", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "105,135", "Unearned Premiums": "307,820" }, "output_variables": { "Liabilities": "1,077,261", "Assets": "1,580,381", "Expenses": "501,341", "Revenues": "526,683", "Stockholders Equity": "503,120", "Net Income": "25,342", "Comprehensive Net Income": "25,342", "BaseVar": "3,698,416", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "38%" } } }, "top_rated": true, "trend": null, "value": 0.3767304155593355, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001385613.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001385613.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001385613.svg" }, { "company_id": "0001071739", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001071739.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001071739.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001071739.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001071739_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001071739_main_keyfigs.svg", "name": "Centene CORP", "rank": 14, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001071739.svg", "report_text": "The relative strengths and weaknesses of Centene CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Centene CORP compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 37% points.The greatest weakness of Centene CORP is the variable Costs And Expenses, reducing the Economic Capital Ratio by 777% points.

The company's Economic Capital Ratio, given in the ranking table, is 37%, being 15% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001071739_2023_Centene_CORP.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "37.2", "Assets": "-66.1", "Stockholders Equity": "-63.5", "ECR before LimitedLiability": "27.4", "Unearned Premiums": "26.1", "Liability For Claims And Claims Adjustment Expense": "29.8", "Other Liabilities": "33.1", "Other Assets": "-38.8", "Investments": "-50.7", "Expenses": "-352", "Revenues": "37.3", "Net Income": "26.1", "Benefits Losses And Expenses": "36.6", "Costs And Expenses": "-777", "Policyholder Benefits And Claims Incurred Net": "37.3", "Other Expenses": "37.3", "Net Investment Income": "-25.7", "Premiums Earned Net": "-432", "Operating Revenue": "37.3", "Comprehensive Net Income": "37.3", "Other Compr. Net Income": "37.0", "Economic Capital Ratio": "15.0" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001071739_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "11,589,000", "Cash And Cash Equivalents At Carrying Value": "12,074,000", "Costs And Expenses": "118,561,000", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "18,812,000", "Intangible Assets": "6,911,000", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "16,745,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "52,018,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "135,479,000", "Other Assets": "-8,171,000", "Other Compr. Net Income": "0", "Other Expenses": "14,504,000", "Other Liabilities": "-16,130,000", "Other Net Income": "1,309,000", "Other Revenues": "9,068,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "2,432,000", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "52,633,000", "Assets": "76,870,000", "Expenses": "144,654,000", "Revenues": "144,547,000", "Stockholders Equity": "24,237,000", "Net Income": "1,202,000", "Comprehensive Net Income": "1,202,000", "BaseVar": "734,377,050", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "37%" } } }, "top_rated": true, "trend": null, "value": 0.3725129298859436, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001071739.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001071739.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001071739.svg" }, { "company_id": "0001761312", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001761312.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001761312.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001761312.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001761312_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001761312_main_keyfigs.svg", "name": "Palomar Holdings Inc", "rank": 15, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001761312.svg", "report_text": "The relative strengths and weaknesses of Palomar Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Palomar Holdings Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 23% points.The greatest weakness of Palomar Holdings Inc is the variable Deferred Policy Acquisition Cost Amortization Expense, reducing the Economic Capital Ratio by 35% points.

The company's Economic Capital Ratio, given in the ranking table, is 33%, being 10% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001761312_2023_Palomar_Holdings_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "16.4", "Stockholders Equity": "16.1", "ECR before LimitedLiability": "32.6", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "18.3", "Other Liabilities": "18.9", "Unearned Premiums": "-32.0", "Deferred Policy Acquisition Cost Amortization Expense": "-52.7", "Expenses": "4.71", "Revenues": "19.2", "Net Income": "22.7", "Other Expenses": "22.9", "Costs And Expenses": "13.3", "Operating Expenses": "4.51", "Policyholder Benefits And Claims Incurred Net": "11.1", "Premiums Earned Net": "48.0", "Other Revenues": "-16.3", "Operating Revenue": "-22.8", "Investments": "3.76", "Other Assets": "-6.90", "Comprehensive Net Income": "23.3", "Economic Capital Ratio": "23.7" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "9.82", "Liabilities": "-5.67", "Stockholders Equity": "3.57", "ECR before LimitedLiability": "22.7", "Unearned Premiums": "-27.0", "Other Assets": "-7.00", "Assets": "6.54", "Prepaid Reinsurance Premiums": "6.49", "Premiums Receivable At Carrying Value": "4.46", "Deferred Policy Acquisition Cost Amortization Expense": "-34.9", "Expenses": "18.0", "Revenues": "4.15", "Net Income": "20.4", "Benefits Losses And Expenses": "3.55", "Costs And Expenses": "8.89", "Other Expenses": "23.1", "Premiums Earned Net": "23.5", "Operating Revenue": "-13.5", "Other Revenues": "-15.3", "Comprehensive Net Income": "21.3", "Economic Capital Ratio": "10.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001761312_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "53,723", "Cash And Cash Equivalents At Carrying Value": "50,284", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "95,433", "Deferred Policy Acquisition Costs": "55,953", "Goodwill": "0", "Intangible Assets": "9,501", "Investments": "465,943", "Liability For Claims And Claims Adjustment Expense": "173,366", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "10,882", "Net Investment Income": "9,080", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "197,199", "Other Compr. Net Income": "-7,934", "Other Expenses": "11,331", "Other Liabilities": "62,652", "Other Net Income": "0", "Other Revenues": "4,885", "Policyholder Benefits And Claims Incurred Net": "41,457", "Premiums Earned Net": "233,826", "Premiums Receivable At Carrying Value": "88,012", "Prepaid Reinsurance Premiums": "58,315", "Property Plant And Equipment Net": "527", "Reinsurance Payable": "0", "Unearned Premiums": "284,665" }, "output_variables": { "Liabilities": "531,565", "Assets": "925,734", "Expenses": "201,944", "Revenues": "247,791", "Stockholders Equity": "394,169", "Net Income": "45,847", "Comprehensive Net Income": "37,913", "BaseVar": "1,783,577", "ECR before LimitedLiability": "62%", "Economic Capital Ratio": "62%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "69,219", "Cash And Cash Equivalents At Carrying Value": "68,108", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "110,771", "Deferred Policy Acquisition Costs": "56,740", "Goodwill": "0", "Intangible Assets": "8,261", "Investments": "553,640", "Liability For Claims And Claims Adjustment Expense": "231,415", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "10,680", "Net Investment Income": "13,877", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "252,156", "Other Compr. Net Income": "-41,827", "Other Expenses": "16,254", "Other Liabilities": "208,287", "Other Net Income": "0", "Other Revenues": "-3,257", "Policyholder Benefits And Claims Incurred Net": "78,672", "Premiums Earned Net": "316,466", "Premiums Receivable At Carrying Value": "162,858", "Prepaid Reinsurance Premiums": "204,084", "Property Plant And Equipment Net": "603", "Reinsurance Payable": "0", "Unearned Premiums": "471,314" }, "output_variables": { "Liabilities": "921,696", "Assets": "1,306,450", "Expenses": "274,916", "Revenues": "327,086", "Stockholders Equity": "384,754", "Net Income": "52,170", "Comprehensive Net Income": "10,343", "BaseVar": "2,598,099", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "33%" } } }, "top_rated": true, "trend": -7.0, "value": 0.32556085502363624, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001761312.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001761312.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001761312.svg" }, { "company_id": "0001584831", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001584831.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001584831.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001584831.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001584831_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001584831_main_keyfigs.svg", "name": "Oxbridge RE Holdings Ltd", "rank": 16, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001584831.svg", "report_text": "The relative strengths and weaknesses of Oxbridge RE Holdings Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Oxbridge RE Holdings Ltd compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 30% points.The greatest weakness of Oxbridge RE Holdings Ltd is the variable Net Income, reducing the Economic Capital Ratio by 80% points.

The company's Economic Capital Ratio, given in the ranking table, is 30%, being 7.7% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001584831_2023_Oxbridge_RE_Holdings_Ltd.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "8.22", "Liabilities": "18.8", "Stockholders Equity": "29.9", "ECR before LimitedLiability": "20.1", "Liability For Claims And Claims Adjustment Expense": "9.54", "Assets": "29.9", "Other Assets": "29.9", "Investments": "-12.8", "Expenses": "-14.9", "Revenues": "-56.0", "Net Income": "-80.3", "Benefits Losses And Expenses": "-38.9", "Costs And Expenses": "7.12", "Policyholder Benefits And Claims Incurred Net": "18.7", "Other Expenses": "-12.2", "Premiums Earned Net": "-17.3", "Operating Revenue": "-8.93", "Other Revenues": "-27.8", "Comprehensive Net Income": "-65.5", "Other Compr. Net Income": "10.1", "Economic Capital Ratio": "7.65" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001584831_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "1,413", "Cash And Cash Equivalents At Carrying Value": "1,207", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "110", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "201", "Operating Expenses": "0", "Operating Revenue": "27", "Other Assets": "15,122", "Other Compr. Net Income": "0", "Other Expenses": "1,073", "Other Liabilities": "1,627", "Other Net Income": "-43", "Other Revenues": "-373", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "995", "Premiums Receivable At Carrying Value": "282", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "5.0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "1,627", "Assets": "16,616", "Expenses": "2,596", "Revenues": "850", "Stockholders Equity": "14,989", "Net Income": "-1,789", "Comprehensive Net Income": "-1,789", "BaseVar": "17,164", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "30%" } } }, "top_rated": true, "trend": null, "value": 0.29904104864597136, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001584831.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001584831.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001584831.svg" }, { "company_id": "0001669162", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001669162.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001669162.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001669162.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001669162_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001669162_main_keyfigs.svg", "name": "Kinsale Capital Group Inc", "rank": 17, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001669162.svg", "report_text": "The relative strengths and weaknesses of Kinsale Capital Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Kinsale Capital Group Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 26% points.The greatest weakness of Kinsale Capital Group Inc is the variable Benefits Losses And Expenses, reducing the Economic Capital Ratio by 46% points.

The company's Economic Capital Ratio, given in the ranking table, is 29%, being 6.7% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001669162_2023_Kinsale_Capital_Group_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "16.0", "Investments": "15.8", "Stockholders Equity": "6.99", "ECR before LimitedLiability": "35.5", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "20.8", "Other Liabilities": "23.3", "Unearned Premiums": "-9.05", "Liability For Claims And Claims Adjustment Expense": "-30.9", "Premiums Earned Net": "53.6", "Revenues": "29.3", "Deferred Policy Acquisition Cost Amortization Expense": "7.83", "Net Income": "33.0", "Other Revenues": "-13.4", "Operating Revenue": "-24.1", "Other Assets": "-7.58", "Comprehensive Net Income": "32.8", "Other Expenses": "-10.9", "Costs And Expenses": "14.2", "Policyholder Benefits And Claims Incurred Net": "34.7", "Benefits Losses And Expenses": "-50.4", "Economic Capital Ratio": "26.6" }, "2022": { "Deferred Policy Acquisition Cost Amortization Expense": "5.05", "Expenses": "17.7", "Revenues": "11.0", "Net Income": "20.2", "Benefits Losses And Expenses": "-45.7", "Costs And Expenses": "10.1", "Policyholder Benefits And Claims Incurred Net": "20.1", "Other Expenses": "8.92", "Premiums Earned Net": "25.8", "Operating Revenue": "-14.1", "Other Revenues": "-19.3", "Comprehensive Net Income": "18.0", "ECR before LimitedLiability": "19.1", "Other Compr. Net Income": "-6.62", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "7.08", "Economic Capital Ratio": "6.68", "Liability For Claims And Claims Adjustment Expense": "-19.8", "Other Liabilities": "9.44", "Investments": "18.0", "Unearned Premiums": "-5.07", "Other Assets": "-5.51" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001669162_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "324,415", "Cash And Cash Equivalents At Carrying Value": "121,040", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "41,968", "Goodwill": "0", "Intangible Assets": "0", "Investments": "1,564,677", "Liability For Claims And Claims Adjustment Expense": "881,344", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "31,048", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "70,317", "Other Compr. Net Income": "-23,255", "Other Expenses": "162,705", "Other Liabilities": "81,134", "Other Net Income": "0", "Other Revenues": "25,852", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "582,879", "Premiums Receivable At Carrying Value": "71,004", "Prepaid Reinsurance Premiums": "33,679", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "16,112", "Unearned Premiums": "347,730" }, "output_variables": { "Liabilities": "1,326,320", "Assets": "2,025,655", "Expenses": "487,120", "Revenues": "639,779", "Stockholders Equity": "699,335", "Net Income": "152,659", "Comprehensive Net Income": "129,404", "BaseVar": "4,327,092", "ECR before LimitedLiability": "65%", "Economic Capital Ratio": "65%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "457,913", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "61,594", "Goodwill": "0", "Intangible Assets": "0", "Investments": "2,030,295", "Liability For Claims And Claims Adjustment Expense": "1,238,402", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "195,747", "Net Investment Income": "51,282", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "286,090", "Other Compr. Net Income": "-153,043", "Other Expenses": "202,173", "Other Liabilities": "35,823", "Other Net Income": "0", "Other Revenues": "-26,201", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "794,119", "Premiums Receivable At Carrying Value": "105,754", "Prepaid Reinsurance Premiums": "42,935", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "32,024", "Unearned Premiums": "499,677" }, "output_variables": { "Liabilities": "2,001,673", "Assets": "2,747,122", "Expenses": "660,086", "Revenues": "819,200", "Stockholders Equity": "745,449", "Net Income": "159,114", "Comprehensive Net Income": "6,071", "BaseVar": "6,136,916", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "29%" } } }, "top_rated": false, "trend": -11.0, "value": 0.2892817815740613, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001669162.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001669162.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001669162.svg" }, { "company_id": "0000074260", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000074260.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000074260.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000074260.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000074260_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000074260_main_keyfigs.svg", "name": "OLD Republic International CORP", "rank": 18, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000074260.svg", "report_text": "The relative strengths and weaknesses of OLD Republic International CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of OLD Republic International CORP compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 28% points.The greatest weakness of OLD Republic International CORP is the variable Other Revenues, reducing the Economic Capital Ratio by 182% points.

The company's Economic Capital Ratio, given in the ranking table, is 28%, being 5.5% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000074260_2023_OLD_Republic_International_CORP.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "16.8", "ECR before LimitedLiability": "22.0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-46.3", "Other Liabilities": "40.3", "Liability For Claims And Claims Adjustment Expense": "-25.5", "Investments": "5.82", "Assets": "-9.91", "Other Assets": "-5.83", "Deferred Policy Acquisition Cost Amortization Expense": "8.03", "Expenses": "-12.0", "Revenues": "31.3", "Net Income": "22.4", "Other Expenses": "-78.0", "Costs And Expenses": "14.1", "Policyholder Benefits And Claims Incurred Net": "-7.02", "Benefits Losses And Expenses": "33.0", "Premiums Earned Net": "40.7", "Other Revenues": "-177", "Operating Revenue": "51.3", "Comprehensive Net Income": "23.9", "Economic Capital Ratio": "13.1" }, "2022": { "Deferred Policy Acquisition Cost Amortization Expense": "5.28", "Expenses": "3.31", "Revenues": "15.4", "Net Income": "16.3", "Benefits Losses And Expenses": "20.0", "Costs And Expenses": "10.8", "Policyholder Benefits And Claims Incurred Net": "-8.62", "Operating Expenses": "3.19", "Other Expenses": "-43.2", "Premiums Earned Net": "23.9", "Operating Revenue": "27.7", "Other Revenues": "-182", "Comprehensive Net Income": "17.4", "ECR before LimitedLiability": "17.9", "Other Compr. Net Income": "5.72", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-41.8", "Economic Capital Ratio": "5.48", "Liability For Claims And Claims Adjustment Expense": "-21.3", "Other Liabilities": "21.3", "Investments": "11.3", "Other Assets": "-4.50" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000074260_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "350,400", "Goodwill": "0", "Intangible Assets": "0", "Investments": "16,576,300", "Liability For Claims And Claims Adjustment Expense": "11,425,500", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "14,177,500", "Net Investment Income": "434,300", "Operating Expenses": "0", "Operating Revenue": "8,583,500", "Other Assets": "6,286,400", "Other Compr. Net Income": "-206,000", "Other Expenses": "5,409,000", "Other Liabilities": "-10,073,800", "Other Net Income": "0", "Other Revenues": "-7,236,000", "Policyholder Benefits And Claims Incurred Net": "2,398,200", "Premiums Earned Net": "7,559,800", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "2,559,400" }, "output_variables": { "Liabilities": "18,088,600", "Assets": "24,981,800", "Expenses": "7,807,200", "Revenues": "9,341,600", "Stockholders Equity": "6,893,200", "Net Income": "1,534,400", "Comprehensive Net Income": "1,328,400", "BaseVar": "61,538,014", "ECR before LimitedLiability": "51%", "Economic Capital Ratio": "51%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "382,500", "Goodwill": "0", "Intangible Assets": "0", "Investments": "15,859,900", "Liability For Claims And Claims Adjustment Expense": "12,221,500", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "15,200,400", "Net Investment Income": "459,500", "Operating Expenses": "0", "Operating Revenue": "8,347,100", "Other Assets": "6,989,500", "Other Compr. Net Income": "-600,700", "Other Expenses": "4,969,500", "Other Liabilities": "-11,216,500", "Other Net Income": "0", "Other Revenues": "-8,065,000", "Policyholder Benefits And Claims Incurred Net": "2,427,700", "Premiums Earned Net": "7,342,100", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "2,787,800" }, "output_variables": { "Liabilities": "18,993,200", "Assets": "25,159,400", "Expenses": "7,397,200", "Revenues": "8,083,700", "Stockholders Equity": "6,166,200", "Net Income": "686,500", "Comprehensive Net Income": "85,800", "BaseVar": "59,144,388", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "28%" } } }, "top_rated": false, "trend": -8.0, "value": 0.27728470096401214, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000074260.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000074260.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000074260.svg" }, { "company_id": "0000947484", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000947484.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000947484.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000947484.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000947484_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000947484_main_keyfigs.svg", "name": "ARCH Capital Group LTD", "rank": 19, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000947484.svg", "report_text": "The relative strengths and weaknesses of ARCH Capital Group LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of ARCH Capital Group LTD compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 20% points.The greatest weakness of ARCH Capital Group LTD is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 20% points.

The company's Economic Capital Ratio, given in the ranking table, is 27%, being 5.0% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000947484_2023_ARCH_Capital_Group_LTD.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-4.83", "Assets": "7.01", "Stockholders Equity": "6.15", "ECR before LimitedLiability": "15.7", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "12.4", "Other Liabilities": "7.48", "Unearned Premiums": "-5.19", "Liability For Claims And Claims Adjustment Expense": "-25.9", "Investments": "10.5", "Deferred Policy Acquisition Cost Amortization Expense": "-8.67", "Expenses": "17.8", "Net Investment Income": "-3.89", "Net Income": "17.7", "Other Expenses": "17.6", "Costs And Expenses": "9.58", "Policyholder Benefits And Claims Incurred Net": "-22.6", "Benefits Losses And Expenses": "14.0", "Comprehensive Net Income": "15.8", "Premiums Earned Net": "17.4", "Operating Revenue": "-18.0", "Economic Capital Ratio": "6.83" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "8.91", "Liabilities": "-11.6", "ECR before LimitedLiability": "17.4", "Unearned Premiums": "-4.27", "Liability For Claims And Claims Adjustment Expense": "-19.8", "Assets": "12.7", "Investments": "14.9", "Deferred Policy Acquisition Cost Amortization Expense": "-9.25", "Expenses": "17.9", "Revenues": "-5.87", "Net Income": "16.0", "Benefits Losses And Expenses": "12.2", "Costs And Expenses": "8.20", "Policyholder Benefits And Claims Incurred Net": "-20.1", "Other Expenses": "20.1", "Net Investment Income": "-3.45", "Premiums Earned Net": "16.6", "Operating Revenue": "-10.5", "Other Revenues": "-11.8", "Comprehensive Net Income": "15.9", "Economic Capital Ratio": "5.00" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000947484_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "1,077,752", "Cash And Cash Equivalents At Carrying Value": "858,668", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,303,178", "Deferred Policy Acquisition Costs": "901,841", "Goodwill": "0", "Intangible Assets": "0", "Investments": "26,588,156", "Liability For Claims And Claims Adjustment Expense": "17,757,156", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "242,352", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "22,073", "Other Assets": "6,508,810", "Other Compr. Net Income": "-636,108", "Other Expenses": "309,478", "Other Liabilities": "5,951,113", "Other Net Income": "264,693", "Other Revenues": "1,145,609", "Policyholder Benefits And Claims Incurred Net": "4,584,803", "Premiums Earned Net": "8,082,298", "Premiums Receivable At Carrying Value": "2,633,280", "Prepaid Reinsurance Premiums": "1,729,455", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "1,583,253", "Unearned Premiums": "6,011,942" }, "output_variables": { "Liabilities": "31,545,816", "Assets": "45,100,945", "Expenses": "7,275,211", "Revenues": "9,249,980", "Stockholders Equity": "13,555,129", "Net Income": "2,239,462", "Comprehensive Net Income": "1,603,354", "BaseVar": "78,490,292", "ECR before LimitedLiability": "44%", "Economic Capital Ratio": "45%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "1,223,657", "Cash And Cash Equivalents At Carrying Value": "855,118", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,739,580", "Deferred Policy Acquisition Costs": "1,263,870", "Goodwill": "0", "Intangible Assets": "0", "Investments": "27,292,927", "Liability For Claims And Claims Adjustment Expense": "20,031,943", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "249,238", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "13,227", "Other Assets": "6,590,964", "Other Compr. Net Income": "-1,587,060", "Other Expenses": "215,522", "Other Liabilities": "5,921,503", "Other Net Income": "73,891", "Other Revenues": "-76,496", "Policyholder Benefits And Claims Incurred Net": "5,027,517", "Premiums Earned Net": "9,678,077", "Premiums Receivable At Carrying Value": "3,624,777", "Prepaid Reinsurance Premiums": "1,799,197", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "1,529,919", "Unearned Premiums": "7,337,002" }, "output_variables": { "Liabilities": "35,069,605", "Assets": "47,990,507", "Expenses": "8,206,276", "Revenues": "9,614,808", "Stockholders Equity": "12,920,902", "Net Income": "1,482,423", "Comprehensive Net Income": "-104,637", "BaseVar": "86,436,147", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "27%" } } }, "top_rated": false, "trend": -8.0, "value": 0.2724990076876183, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000947484.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000947484.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000947484.svg" }, { "company_id": "0001172052", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001172052.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001172052.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001172052.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001172052_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001172052_main_keyfigs.svg", "name": "Safety Insurance Group INC", "rank": 20, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001172052.svg", "report_text": "The relative strengths and weaknesses of Safety Insurance Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Safety Insurance Group INC compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 26% points.The greatest weakness of Safety Insurance Group INC is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 88% points.

The company's Economic Capital Ratio, given in the ranking table, is 26%, being 4.0% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001172052_2023_Safety_Insurance_Group_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "37.9", "Stockholders Equity": "10.6", "ECR before LimitedLiability": "38.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "26.2", "Other Liabilities": "25.5", "Unearned Premiums": "-10.0", "Assets": "-11.3", "Other Assets": "-8.47", "Deferred Policy Acquisition Cost Amortization Expense": "10.1", "Expenses": "-30.1", "Revenues": "50.8", "Net Income": "28.5", "Other Expenses": "-38.0", "Costs And Expenses": "18.3", "Policyholder Benefits And Claims Incurred Net": "-77.4", "Benefits Losses And Expenses": "42.4", "Premiums Earned Net": "63.3", "Other Revenues": "-12.1", "Operating Revenue": "-26.9", "Comprehensive Net Income": "28.2", "Economic Capital Ratio": "29.4" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "15.0", "Liabilities": "15.2", "Assets": "-8.61", "Stockholders Equity": "5.76", "ECR before LimitedLiability": "16.4", "Unearned Premiums": "-6.29", "Other Liabilities": "8.33", "Other Assets": "-9.79", "Investments": "14.9", "Deferred Policy Acquisition Cost Amortization Expense": "7.08", "Expenses": "-11.8", "Revenues": "21.2", "Net Income": "15.1", "Benefits Losses And Expenses": "22.8", "Costs And Expenses": "14.9", "Policyholder Benefits And Claims Incurred Net": "-88.4", "Other Expenses": "-4.45", "Premiums Earned Net": "26.2", "Operating Revenue": "-16.1", "Other Revenues": "-23.9", "Comprehensive Net Income": "14.4", "Economic Capital Ratio": "3.97" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001172052_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "63,603", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "73,024", "Goodwill": "0", "Intangible Assets": "0", "Investments": "1,571,135", "Liability For Claims And Claims Adjustment Expense": "570,651", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "44,135", "Operating Expenses": "0", "Operating Revenue": "14,885", "Other Assets": "385,834", "Other Compr. Net Income": "-28,948", "Other Expenses": "292,474", "Other Liabilities": "196,888", "Other Net Income": "0", "Other Revenues": "51,563", "Policyholder Benefits And Claims Incurred Net": "461,727", "Premiums Earned Net": "774,328", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "23,795", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "9,192", "Unearned Premiums": "413,487" }, "output_variables": { "Liabilities": "1,190,218", "Assets": "2,117,391", "Expenses": "754,201", "Revenues": "884,911", "Stockholders Equity": "927,173", "Net Income": "130,710", "Comprehensive Net Income": "101,762", "BaseVar": "5,498,683", "ECR before LimitedLiability": "68%", "Economic Capital Ratio": "68%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "25,300", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "75,582", "Goodwill": "17,093", "Intangible Assets": "0", "Investments": "1,403,160", "Liability For Claims And Claims Adjustment Expense": "549,598", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "46,725", "Operating Expenses": "0", "Operating Revenue": "9,190", "Other Assets": "422,981", "Other Compr. Net Income": "-105,117", "Other Expenses": "259,019", "Other Liabilities": "166,153", "Other Net Income": "0", "Other Revenues": "-16,861", "Policyholder Benefits And Claims Incurred Net": "491,979", "Premiums Earned Net": "758,505", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "28,453", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "11,444", "Unearned Premiums": "433,375" }, "output_variables": { "Liabilities": "1,160,570", "Assets": "1,972,569", "Expenses": "750,998", "Revenues": "797,559", "Stockholders Equity": "811,999", "Net Income": "46,561", "Comprehensive Net Income": "-58,556", "BaseVar": "5,378,288", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "26%" } } }, "top_rated": false, "trend": -16.0, "value": 0.2621984295419888, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001172052.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001172052.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001172052.svg" }, { "company_id": "0001494904", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001494904.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001494904.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001494904.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001494904_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001494904_main_keyfigs.svg", "name": "Global Indemnity Group LLC", "rank": 21, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001494904.svg", "report_text": "The relative strengths and weaknesses of Global Indemnity Group LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Global Indemnity Group LLC compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 23% points.The greatest weakness of Global Indemnity Group LLC is the variable Benefits Losses And Expenses, reducing the Economic Capital Ratio by 66% points.

The company's Economic Capital Ratio, given in the ranking table, is 23%, being 0.50% points above the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001494904_2023_Global_Indemnity_Group_LLC.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-19.7", "Liabilities": "9.85", "ECR before LimitedLiability": "12.9", "Liability For Claims And Claims Adjustment Expense": "12.0", "Other Liabilities": "11.3", "Deferred Policy Acquisition Cost Amortization Expense": "6.85", "Expenses": "-9.28", "Revenues": "13.7", "Net Income": "5.62", "Benefits Losses And Expenses": "-66.1", "Costs And Expenses": "11.6", "Policyholder Benefits And Claims Incurred Net": "19.0", "Other Expenses": "-9.25", "Premiums Earned Net": "22.5", "Operating Revenue": "-23.9", "Other Revenues": "-8.59", "Comprehensive Net Income": "11.5", "Other Compr. Net Income": "6.45", "Economic Capital Ratio": "0.495", "Investments": "13.1", "Other Assets": "-9.16" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001494904_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "383,649", "Cash And Cash Equivalents At Carrying Value": "38,846", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "64,894", "Goodwill": "4,820", "Intangible Assets": "14,810", "Investments": "1,303,894", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "832,404", "Net Investment Income": "27,627", "Operating Expenses": "0", "Operating Revenue": "-32,929", "Other Assets": "101,626", "Other Compr. Net Income": "-49,462", "Other Expenses": "242,206", "Other Liabilities": "55,548", "Other Net Income": "-3,529", "Other Revenues": "31,365", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "602,471", "Premiums Receivable At Carrying Value": "168,743", "Prepaid Reinsurance Premiums": "17,421", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "17,241", "Unearned Premiums": "269,353" }, "output_variables": { "Liabilities": "1,174,546", "Assets": "1,800,775", "Expenses": "625,855", "Revenues": "628,534", "Stockholders Equity": "626,229", "Net Income": "-850", "Comprehensive Net Income": "-50,312", "BaseVar": "4,501,171", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "23%" } } }, "top_rated": false, "trend": null, "value": 0.2274584860959215, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001494904.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001494904.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001494904.svg" }, { "company_id": "0001096343", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001096343.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001096343.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001096343.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001096343_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001096343_main_keyfigs.svg", "name": "Markel Group INC", "rank": 22, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001096343.svg", "report_text": "The relative strengths and weaknesses of Markel Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Markel Group INC compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Markel Group INC is the variable Other Expenses, reducing the Economic Capital Ratio by 24% points.

The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.7% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001096343_2023_Markel_Group_INC.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "5.31", "Liabilities": "-5.49", "Assets": "7.35", "ECR before LimitedLiability": "8.74", "Liability For Claims And Claims Adjustment Expense": "-15.0", "Other Liabilities": "6.20", "Other Assets": "-5.85", "Investments": "5.68", "Deferred Policy Acquisition Cost Amortization Expense": "6.01", "Expenses": "7.43", "Net Income": "4.14", "Benefits Losses And Expenses": "-9.58", "Costs And Expenses": "7.65", "Policyholder Benefits And Claims Incurred Net": "13.5", "Other Expenses": "-23.8", "Comprehensive Net Income": "7.35", "Other Compr. Net Income": "4.62", "Premiums Earned Net": "-5.87", "Operating Revenue": "-11.6", "Other Revenues": "9.57", "Economic Capital Ratio": "-3.68" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001096343_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "4,445,589", "Cash And Cash Equivalents At Carrying Value": "4,137,432", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "925,483", "Goodwill": "2,638,838", "Intangible Assets": "1,747,464", "Investments": "22,198,009", "Liability For Claims And Claims Adjustment Expense": "20,947,898", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4,862,654", "Net Investment Income": "446,755", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "4,670,118", "Other Compr. Net Income": "-1,207,614", "Other Expenses": "7,471,158", "Other Liabilities": "3,438,738", "Other Net Income": "140,209", "Other Revenues": "3,640,788", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "7,587,792", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "2,066,114", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "669,742", "Unearned Premiums": "6,220,748" }, "output_variables": { "Liabilities": "36,139,780", "Assets": "49,791,259", "Expenses": "11,916,747", "Revenues": "11,675,335", "Stockholders Equity": "13,651,479", "Net Income": "-101,203", "Comprehensive Net Income": "-1,308,817", "BaseVar": "100,452,001", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "19%" } } }, "top_rated": false, "trend": null, "value": 0.1857271594382796, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001096343.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001096343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001096343.svg" }, { "company_id": "0001472787", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001472787.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001472787.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001472787.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001472787_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001472787_main_keyfigs.svg", "name": "First American Financial Corp", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001472787.svg", "report_text": "The relative strengths and weaknesses of First American Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First American Financial Corp compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 18% points.The greatest weakness of First American Financial Corp is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 138% points.

The company's Economic Capital Ratio, given in the ranking table, is 18%, being 4.4% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001472787_2023_First_American_Financial_Corp.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "44.6", "ECR before LimitedLiability": "38.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "29.8", "Other Liabilities": "-20.6", "Unearned Premiums": "15.9", "Liability For Claims And Claims Adjustment Expense": "26.2", "Assets": "-19.7", "Other Assets": "-9.84", "Deferred Policy Acquisition Cost Amortization Expense": "12.0", "Expenses": "-57.3", "Revenues": "62.8", "Net Income": "32.3", "Costs And Expenses": "21.5", "Operating Expenses": "-94.1", "Policyholder Benefits And Claims Incurred Net": "50.2", "Benefits Losses And Expenses": "-65.5", "Premiums Earned Net": "-143", "Other Revenues": "67.6", "Operating Revenue": "-22.1", "Comprehensive Net Income": "35.6", "Economic Capital Ratio": "29.4" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "8.89", "Liabilities": "10.4", "Assets": "-18.6", "ECR before LimitedLiability": "7.99", "Unearned Premiums": "6.81", "Liability For Claims And Claims Adjustment Expense": "8.08", "Other Liabilities": "-26.7", "Other Assets": "-9.66", "Expenses": "-28.0", "Revenues": "17.6", "Net Income": "8.50", "Benefits Losses And Expenses": "-65.3", "Costs And Expenses": "9.22", "Policyholder Benefits And Claims Incurred Net": "17.2", "Operating Expenses": "-85.9", "Other Expenses": "16.0", "Premiums Earned Net": "-138", "Operating Revenue": "-36.4", "Other Revenues": "17.8", "Comprehensive Net Income": "9.11", "Economic Capital Ratio": "-4.42" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001472787_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "3,673,000", "Cash And Cash Equivalents At Carrying Value": "1,228,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "1,588,000", "Intangible Assets": "218,000", "Investments": "10,596,000", "Liability For Claims And Claims Adjustment Expense": "1,284,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "215,000", "Operating Expenses": "2,987,000", "Operating Revenue": "436,000", "Other Assets": "2,315,000", "Other Compr. Net Income": "-140,000", "Other Expenses": "1,312,000", "Other Liabilities": "9,160,000", "Other Net Income": "0", "Other Revenues": "8,570,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "506,000", "Reinsurance Payable": "0", "Unearned Premiums": "224,000" }, "output_variables": { "Liabilities": "10,668,000", "Assets": "16,451,000", "Expenses": "7,972,000", "Revenues": "9,221,000", "Stockholders Equity": "5,783,000", "Net Income": "1,249,000", "Comprehensive Net Income": "1,109,000", "BaseVar": "53,512,065", "ECR before LimitedLiability": "68%", "Economic Capital Ratio": "68%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "3,612,000", "Cash And Cash Equivalents At Carrying Value": "1,224,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "1,798,000", "Intangible Assets": "194,000", "Investments": "8,987,000", "Liability For Claims And Claims Adjustment Expense": "1,325,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "340,000", "Operating Expenses": "2,830,000", "Operating Revenue": "-516,000", "Other Assets": "2,115,000", "Other Compr. Net Income": "-778,000", "Other Expenses": "898,000", "Other Liabilities": "8,745,000", "Other Net Income": "0", "Other Revenues": "7,781,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "637,000", "Reinsurance Payable": "0", "Unearned Premiums": "197,000" }, "output_variables": { "Liabilities": "10,267,000", "Assets": "14,955,000", "Expenses": "7,340,000", "Revenues": "7,605,000", "Stockholders Equity": "4,688,000", "Net Income": "265,000", "Comprehensive Net Income": "-513,000", "BaseVar": "48,852,515", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "18%" } } }, "top_rated": false, "trend": -18.0, "value": 0.17831447993864794, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001472787.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001472787.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001472787.svg" }, { "company_id": "0000896159", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000896159.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000896159.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000896159.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000896159_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000896159_main_keyfigs.svg", "name": "Chubb Ltd", "rank": 24, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000896159.svg", "report_text": "The relative strengths and weaknesses of Chubb Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Chubb Ltd compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Chubb Ltd is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 17%, being 5.1% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000896159_2023_Chubb_Ltd.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-5.38", "Assets": "7.28", "Stockholders Equity": "5.86", "ECR before LimitedLiability": "12.9", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.62", "Other Liabilities": "9.13", "Liability For Claims And Claims Adjustment Expense": "-21.2", "Investments": "11.7", "Other Assets": "-4.30", "Deferred Policy Acquisition Cost Amortization Expense": "-11.4", "Expenses": "16.2", "Net Income": "14.5", "Other Revenues": "-6.04", "Other Expenses": "18.5", "Costs And Expenses": "9.06", "Policyholder Benefits And Claims Incurred Net": "-26.9", "Benefits Losses And Expenses": "16.2", "Comprehensive Net Income": "13.1", "Premiums Earned Net": "18.1", "Operating Revenue": "-14.7", "Economic Capital Ratio": "4.05" }, "2022": { "Liabilities": "-8.61", "ECR before LimitedLiability": "7.35", "Liability For Claims And Claims Adjustment Expense": "-12.6", "Assets": "6.59", "Other Assets": "-4.86", "Goodwill": "4.58", "Investments": "8.02", "Deferred Policy Acquisition Cost Amortization Expense": "-9.36", "Expenses": "12.0", "Revenues": "-6.15", "Net Income": "8.13", "Benefits Losses And Expenses": "9.20", "Costs And Expenses": "6.41", "Policyholder Benefits And Claims Incurred Net": "-21.5", "Other Expenses": "13.1", "Premiums Earned Net": "8.92", "Operating Revenue": "-12.9", "Other Revenues": "-4.99", "Comprehensive Net Income": "6.01", "Other Compr. Net Income": "-7.69", "Economic Capital Ratio": "-5.06" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000896159_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "3,136,000", "Cash And Cash Equivalents At Carrying Value": "1,659,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "6,918,000", "Deferred Policy Acquisition Costs": "5,513,000", "Goodwill": "15,213,000", "Intangible Assets": "5,455,000", "Investments": "122,323,000", "Liability For Claims And Claims Adjustment Expense": "72,943,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "21,116,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "1,152,000", "Other Assets": "18,175,000", "Other Compr. Net Income": "-2,519,000", "Other Expenses": "390,000", "Other Liabilities": "19,937,000", "Other Net Income": "0", "Other Revenues": "3,456,000", "Policyholder Benefits And Claims Incurred Net": "21,980,000", "Premiums Earned Net": "36,355,000", "Premiums Receivable At Carrying Value": "11,322,000", "Prepaid Reinsurance Premiums": "3,028,000", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "7,243,000", "Unearned Premiums": "19,101,000" }, "output_variables": { "Liabilities": "140,340,000", "Assets": "200,054,000", "Expenses": "32,424,000", "Revenues": "40,963,000", "Stockholders Equity": "59,714,000", "Net Income": "8,539,000", "Comprehensive Net Income": "6,020,000", "BaseVar": "345,160,330", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "42%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "3,395,000", "Cash And Cash Equivalents At Carrying Value": "2,012,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "7,392,000", "Deferred Policy Acquisition Costs": "5,788,000", "Goodwill": "16,287,000", "Intangible Assets": "5,441,000", "Investments": "113,551,000", "Liability For Claims And Claims Adjustment Expense": "76,323,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "24,522,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "-965,000", "Other Assets": "22,091,000", "Other Compr. Net Income": "-10,543,000", "Other Expenses": "3,724,000", "Other Liabilities": "19,604,000", "Other Net Income": "0", "Other Revenues": "3,742,000", "Policyholder Benefits And Claims Incurred Net": "23,342,000", "Premiums Earned Net": "40,389,000", "Premiums Receivable At Carrying Value": "11,933,000", "Prepaid Reinsurance Premiums": "3,140,000", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "7,795,000", "Unearned Premiums": "20,360,000" }, "output_variables": { "Liabilities": "148,604,000", "Assets": "199,144,000", "Expenses": "37,853,000", "Revenues": "43,166,000", "Stockholders Equity": "50,540,000", "Net Income": "5,313,000", "Comprehensive Net Income": "-5,230,000", "BaseVar": "384,924,410", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "17%" } } }, "top_rated": false, "trend": -11.0, "value": 0.17187118991864547, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000896159.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000896159.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000896159.svg" }, { "company_id": "0001393726", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001393726.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001393726.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001393726.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001393726_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001393726_main_keyfigs.svg", "name": "Tiptree INC", "rank": 25, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001393726.svg", "report_text": "The relative strengths and weaknesses of Tiptree INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Tiptree INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Tiptree INC is the variable Other Expenses, reducing the Economic Capital Ratio by 65% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 7.6% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001393726_2023_Tiptree_INC.pdf", "shrinked_graph_json": { "2022": { "Assets": "-6.20", "Stockholders Equity": "-9.49", "Other Assets": "-5.32", "Investments": "-12.2", "Expenses": "-5.91", "Revenues": "6.24", "Comprehensive Net Income": "7.33", "Costs And Expenses": "5.21", "Policyholder Benefits And Claims Incurred Net": "12.4", "Other Expenses": "-65.2", "Net Investment Income": "-5.56", "Operating Revenue": "-14.3", "Other Revenues": "12.5", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.10", "ECR before LimitedLiability": "4.79", "Unearned Premiums": "-13.5", "Liability For Claims And Claims Adjustment Expense": "5.70", "Reinsurance Payable": "-3.73", "Other Liabilities": "-12.4", "Other Compr. Net Income": "4.99", "Economic Capital Ratio": "-7.62" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001393726_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "315,237", "Cash And Cash Equivalents At Carrying Value": "538,065", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "498,925", "Goodwill": "186,608", "Intangible Assets": "117,015", "Investments": "835,624", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "259,366", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "687,236", "Other Compr. Net Income": "-55,772", "Other Expenses": "1,078,954", "Other Liabilities": "1,584,091", "Other Net Income": "0", "Other Revenues": "492,987", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "904,765", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "305,097", "Unearned Premiums": "1,357,436" }, "output_variables": { "Liabilities": "3,505,990", "Assets": "4,039,563", "Expenses": "1,394,191", "Revenues": "1,397,752", "Stockholders Equity": "533,573", "Net Income": "3,561", "Comprehensive Net Income": "-52,211", "BaseVar": "10,336,760", "ECR before LimitedLiability": "3.5%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": null, "value": 0.14630533914126406, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001393726.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001393726.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001393726.svg" }, { "company_id": "0001214816", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001214816.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001214816.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001214816.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001214816_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001214816_main_keyfigs.svg", "name": "AXIS Capital Holdings LTD", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001214816.svg", "report_text": "The relative strengths and weaknesses of AXIS Capital Holdings LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of AXIS Capital Holdings LTD compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 8.7% points.The greatest weakness of AXIS Capital Holdings LTD is the variable Liability For Claims And Claims Adjustment Expense, reducing the Economic Capital Ratio by 26% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 9.0% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001214816_2023_AXIS_Capital_Holdings_LTD.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-9.06", "Economic Capital Ratio": "-11.2", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "9.56", "Other Liabilities": "8.90", "Unearned Premiums": "-4.01", "Liability For Claims And Claims Adjustment Expense": "-32.5", "Investments": "7.88", "Assets": "5.52", "Other Assets": "-5.95", "Deferred Policy Acquisition Cost Amortization Expense": "-7.66", "Expenses": "14.1", "Revenues": "-7.27", "Net Income": "5.41", "Other Expenses": "15.8", "Costs And Expenses": "7.78", "Policyholder Benefits And Claims Incurred Net": "-19.8", "Benefits Losses And Expenses": "12.9", "Premiums Earned Net": "12.0", "Other Revenues": "-2.85", "Operating Revenue": "-13.5", "Comprehensive Net Income": "3.96" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3.08", "Liabilities": "-16.7", "Assets": "4.95", "Stockholders Equity": "-3.00", "Unearned Premiums": "-4.90", "Liability For Claims And Claims Adjustment Expense": "-26.4", "Other Assets": "-8.06", "Investments": "4.43", "Deferred Policy Acquisition Cost Amortization Expense": "-10.1", "Expenses": "8.67", "Revenues": "-12.8", "ECR before LimitedLiability": "3.41", "Benefits Losses And Expenses": "4.56", "Costs And Expenses": "3.11", "Policyholder Benefits And Claims Incurred Net": "8.57", "Other Expenses": "-13.8", "Net Investment Income": "-4.33", "Premiums Earned Net": "4.99", "Operating Revenue": "-11.2", "Other Revenues": "-11.8", "Economic Capital Ratio": "-9.00" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001214816_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "663,304", "Cash And Cash Equivalents At Carrying Value": "844,592", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "921,834", "Deferred Policy Acquisition Costs": "465,593", "Goodwill": "100,801", "Intangible Assets": "208,717", "Investments": "15,134,317", "Liability For Claims And Claims Adjustment Expense": "14,653,094", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "6,614,916", "Other Compr. Net Income": "-357,859", "Other Expenses": "141,279", "Other Liabilities": "1,889,924", "Other Net Income": "32,084", "Other Revenues": "611,875", "Policyholder Benefits And Claims Incurred Net": "3,008,783", "Premiums Earned Net": "4,709,850", "Premiums Receivable At Carrying Value": "2,622,676", "Prepaid Reinsurance Premiums": "1,377,358", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "1,324,620", "Unearned Premiums": "4,090,676" }, "output_variables": { "Liabilities": "21,958,314", "Assets": "27,368,970", "Expenses": "4,735,200", "Revenues": "5,321,725", "Stockholders Equity": "5,410,656", "Net Income": "618,609", "Comprehensive Net Income": "260,750", "BaseVar": "48,743,673", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "27%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "680,343", "Cash And Cash Equivalents At Carrying Value": "751,415", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,022,017", "Deferred Policy Acquisition Costs": "473,569", "Goodwill": "100,801", "Intangible Assets": "197,800", "Investments": "14,353,284", "Liability For Claims And Claims Adjustment Expense": "15,168,863", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "7,435,108", "Other Compr. Net Income": "-816,836", "Other Expenses": "3,211,991", "Other Liabilities": "1,902,827", "Other Net Income": "1,995", "Other Revenues": "-24,887", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "5,160,326", "Premiums Receivable At Carrying Value": "2,733,464", "Prepaid Reinsurance Premiums": "1,550,370", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "1,522,764", "Unearned Premiums": "4,361,447" }, "output_variables": { "Liabilities": "22,955,901", "Assets": "27,595,811", "Expenses": "4,914,351", "Revenues": "5,135,439", "Stockholders Equity": "4,639,910", "Net Income": "223,083", "Comprehensive Net Income": "-593,753", "BaseVar": "50,328,027", "ECR before LimitedLiability": "2.0%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": -3.0, "value": 0.13246994948311225, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001214816.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001214816.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001214816.svg" }, { "company_id": "0000080661", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000080661.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000080661.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000080661.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000080661_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000080661_main_keyfigs.svg", "name": "Progressive CORP OH", "rank": 27, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000080661.svg", "report_text": "The relative strengths and weaknesses of Progressive CORP OH are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Progressive CORP OH compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Progressive CORP OH is the variable Benefits Losses And Expenses, reducing the Economic Capital Ratio by 224% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 9.0% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000080661_2023_Progressive_CORP_OH.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "31.4", "Stockholders Equity": "-16.1", "ECR before LimitedLiability": "11.2", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "22.0", "Other Liabilities": "20.3", "Assets": "-33.5", "Other Assets": "-16.5", "Deferred Policy Acquisition Cost Amortization Expense": "-12.5", "Expenses": "-86.7", "Revenues": "40.5", "Net Income": "12.4", "Other Expenses": "30.4", "Costs And Expenses": "18.0", "Policyholder Benefits And Claims Incurred Net": "36.8", "Benefits Losses And Expenses": "-223", "Premiums Earned Net": "-160", "Other Revenues": "-9.49", "Operating Revenue": "40.6", "Net Investment Income": "-8.22", "Comprehensive Net Income": "14.9", "Economic Capital Ratio": "2.35" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "6.63", "Liabilities": "8.99", "Stockholders Equity": "-14.8", "Other Assets": "-17.6", "Assets": "-30.1", "Cash And Cash Equivalents At Carrying Value": "-5.54", "Deferred Policy Acquisition Cost Amortization Expense": "-10.7", "Expenses": "-57.1", "Revenues": "13.2", "Comprehensive Net Income": "9.56", "Benefits Losses And Expenses": "-224", "Costs And Expenses": "7.50", "Policyholder Benefits And Claims Incurred Net": "13.1", "Other Expenses": "13.2", "Net Investment Income": "-8.95", "Premiums Earned Net": "-160", "Operating Revenue": "13.2", "Other Revenues": "-22.5", "Economic Capital Ratio": "-9.03", "Other Net Income": "-5.88" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000080661_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "39,282,300", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "3,712,800", "Deferred Policy Acquisition Costs": "1,355,600", "Goodwill": "452,700", "Intangible Assets": "117,300", "Investments": "51,514,100", "Liability For Claims And Claims Adjustment Expense": "26,164,100", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "44,368,700", "Other Assets": "1,717,700", "Other Compr. Net Income": "-891,000", "Other Expenses": "1,356,000", "Other Liabilities": "11,120,800", "Other Net Income": "0", "Other Revenues": "3,333,300", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "9,399,500", "Prepaid Reinsurance Premiums": "457,600", "Property Plant And Equipment Net": "1,137,300", "Reinsurance Payable": "0", "Unearned Premiums": "15,615,800" }, "output_variables": { "Liabilities": "52,900,700", "Assets": "71,132,300", "Expenses": "44,351,100", "Revenues": "47,702,000", "Stockholders Equity": "18,231,600", "Net Income": "3,350,900", "Comprehensive Net Income": "2,459,900", "BaseVar": "276,252,650", "ECR before LimitedLiability": "39%", "Economic Capital Ratio": "41%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "43,982,300", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "3,917,000", "Deferred Policy Acquisition Costs": "1,544,400", "Goodwill": "227,900", "Intangible Assets": "86,300", "Investments": "53,548,300", "Liability For Claims And Claims Adjustment Expense": "30,359,300", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "49,241,200", "Other Assets": "2,479,600", "Other Compr. Net Income": "-2,842,700", "Other Expenses": "989,900", "Other Liabilities": "11,921,100", "Other Net Income": "0", "Other Revenues": "369,500", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "10,416,900", "Prepaid Reinsurance Premiums": "295,500", "Property Plant And Equipment Net": "1,034,000", "Reinsurance Payable": "0", "Unearned Premiums": "17,293,600" }, "output_variables": { "Liabilities": "59,574,000", "Assets": "75,465,000", "Expenses": "48,889,200", "Revenues": "49,610,700", "Stockholders Equity": "15,891,000", "Net Income": "721,500", "Comprehensive Net Income": "-2,121,200", "BaseVar": "301,114,193", "ECR before LimitedLiability": "2.0%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": -13.0, "value": 0.13219933156455754, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000080661.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000080661.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000080661.svg" }, { "company_id": "0001267238", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001267238.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001267238.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001267238.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001267238_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001267238_main_keyfigs.svg", "name": "Assurant INC", "rank": 28, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001267238.svg", "report_text": "The relative strengths and weaknesses of Assurant INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Assurant INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Assurant INC is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 87% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 9.8% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001267238_2023_Assurant_INC.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "2.84", "Liabilities": "-7.57", "Stockholders Equity": "-9.27", "Unearned Premiums": "-38.2", "Liability For Claims And Claims Adjustment Expense": "2.64", "Assets": "-2.64", "Other Assets": "-11.3", "Deferred Policy Acquisition Costs": "6.34", "Premiums Receivable At Carrying Value": "-2.43", "Investments": "-11.0", "ECR before LimitedLiability": "2.65", "Net Investment Income": "-5.58", "Comprehensive Net Income": "4.66", "Other Net Income": "-3.60", "Operating Revenue": "-14.1", "Other Expenses": "-49.4", "Premiums Earned Net": "-86.7", "Benefits Losses And Expenses": "10.2", "Costs And Expenses": "3.44", "Other Revenues": "12.5", "Economic Capital Ratio": "-9.76" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001267238_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "1,536,700", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "9,677,100", "Goodwill": "2,603,000", "Intangible Assets": "638,900", "Investments": "7,524,500", "Liability For Claims And Claims Adjustment Expense": "2,295,900", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "795,100", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,086,200", "Other Compr. Net Income": "-836,200", "Other Expenses": "7,556,600", "Other Liabilities": "5,508,900", "Other Net Income": "0", "Other Revenues": "10,193,000", "Policyholder Benefits And Claims Incurred Net": "2,359,800", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "645,100", "Reinsurance Payable": "492,800", "Unearned Premiums": "19,802,400" }, "output_variables": { "Liabilities": "28,895,100", "Assets": "33,123,800", "Expenses": "9,916,400", "Revenues": "10,193,000", "Stockholders Equity": "4,228,700", "Net Income": "276,600", "Comprehensive Net Income": "-559,600", "BaseVar": "79,289,058", "ECR before LimitedLiability": "1.2%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": null, "value": 0.12489103454175449, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001267238.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001267238.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001267238.svg" }, { "company_id": "0000060086", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000060086.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000060086.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000060086.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000060086_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000060086_main_keyfigs.svg", "name": "Loews CORP", "rank": 29, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000060086.svg", "report_text": "The relative strengths and weaknesses of Loews CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Loews CORP compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Loews CORP is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 15% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000060086_2023_Loews_CORP.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-5.75", "Liabilities": "-14.3", "ECR before LimitedLiability": "1.44", "Liability For Claims And Claims Adjustment Expense": "-10.2", "Other Assets": "-8.31", "Assets": "4.06", "Net Income": "2.28", "Property Plant And Equipment Net": "1.65", "Cash And Cash Equivalents At Carrying Value": "-2.28", "Investments": "6.97", "Deferred Policy Acquisition Cost Amortization Expense": "-3.24", "Expenses": "8.63", "Revenues": "-13.4", "Costs And Expenses": "1.94", "Policyholder Benefits And Claims Incurred Net": "-11.2", "Other Expenses": "7.19", "Premiums Earned Net": "-14.5", "Operating Revenue": "-11.5", "Other Net Income": "-2.34", "Economic Capital Ratio": "-11.0", "Other Compr. Net Income": "-6.71" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000060086_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "3,077,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,490,000", "Deferred Policy Acquisition Costs": "806,000", "Goodwill": "346,000", "Intangible Assets": "0", "Investments": "46,768,000", "Liability For Claims And Claims Adjustment Expense": "25,099,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "18,316,000", "Net Investment Income": "1,802,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "17,547,000", "Other Compr. Net Income": "-3,561,000", "Other Expenses": "1,988,000", "Other Liabilities": "10,227,000", "Other Net Income": "0", "Other Revenues": "3,575,000", "Policyholder Benefits And Claims Incurred Net": "6,386,000", "Premiums Earned Net": "8,667,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "10,027,000", "Reinsurance Payable": "0", "Unearned Premiums": "6,374,000" }, "output_variables": { "Liabilities": "60,016,000", "Assets": "75,494,000", "Expenses": "12,941,000", "Revenues": "14,044,000", "Stockholders Equity": "15,478,000", "Net Income": "1,103,000", "Comprehensive Net Income": "-2,458,000", "BaseVar": "138,163,530", "ECR before LimitedLiability": "-0.73%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11276211750131401, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000060086.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000060086.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000060086.svg" }, { "company_id": "0001379041", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001379041.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001379041.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001379041.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001379041_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001379041_main_keyfigs.svg", "name": "Employers Holdings Inc", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001379041.svg", "report_text": "The relative strengths and weaknesses of Employers Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Employers Holdings Inc compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Employers Holdings Inc is the variable Liability For Claims And Claims Adjustment Expense, reducing the Economic Capital Ratio by 25% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001379041_2023_Employers_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "2.03", "Liabilities": "-10.6", "ECR before LimitedLiability": "1.43", "Liability For Claims And Claims Adjustment Expense": "-24.6", "Other Assets": "-8.35", "Assets": "4.06", "Investments": "9.30", "Expenses": "8.34", "Revenues": "-12.3", "Net Income": "2.25", "Costs And Expenses": "2.17", "Policyholder Benefits And Claims Incurred Net": "-18.2", "Operating Expenses": "-7.71", "Other Expenses": "10.1", "Net Investment Income": "0.978", "Premiums Earned Net": "2.99", "Operating Revenue": "-11.7", "Other Revenues": "-16.9", "Other Net Income": "-2.13", "Economic Capital Ratio": "-11.0", "Other Compr. Net Income": "-9.12" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001379041_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "167,300", "Cash And Cash Equivalents At Carrying Value": "89,200", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "48,300", "Goodwill": "36,200", "Intangible Assets": "13,600", "Investments": "2,568,800", "Liability For Claims And Claims Adjustment Expense": "1,960,700", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "89,800", "Operating Expenses": "95,900", "Operating Revenue": "0", "Other Assets": "642,700", "Other Compr. Net Income": "-199,500", "Other Expenses": "10,900", "Other Liabilities": "472,300", "Other Net Income": "0", "Other Revenues": "-51,500", "Policyholder Benefits And Claims Incurred Net": "391,000", "Premiums Earned Net": "675,200", "Premiums Receivable At Carrying Value": "305,900", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "12,000", "Reinsurance Payable": "0", "Unearned Premiums": "339,500" }, "output_variables": { "Liabilities": "2,772,500", "Assets": "3,716,700", "Expenses": "665,100", "Revenues": "713,500", "Stockholders Equity": "944,200", "Net Income": "48,400", "Comprehensive Net Income": "-151,100", "BaseVar": "6,882,120", "ECR before LimitedLiability": "-1.1%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11266794702479391, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001379041.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001379041.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001379041.svg" }, { "company_id": "0000874766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000874766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000874766.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000874766.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000874766_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000874766_main_keyfigs.svg", "name": "Hartford Financial Services Group INC", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000874766.svg", "report_text": "The relative strengths and weaknesses of Hartford Financial Services Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Hartford Financial Services Group INC compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Hartford Financial Services Group INC is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 42% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000874766_2023_Hartford_Financial_Services_Group_INC.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "-2.98", "Stockholders Equity": "-5.41", "Liability For Claims And Claims Adjustment Expense": "-22.0", "Other Assets": "-9.93", "Assets": "-1.67", "Cash And Cash Equivalents At Carrying Value": "-2.74", "Investments": "6.99", "Deferred Policy Acquisition Cost Amortization Expense": "-3.68", "Expenses": "2.72", "Net Income": "4.60", "Costs And Expenses": "3.10", "Policyholder Benefits And Claims Incurred Net": "-41.7", "Other Expenses": "10.7", "Economic Capital Ratio": "-11.0", "Comprehensive Net Income": "2.14", "Other Compr. Net Income": "-5.80", "Premiums Earned Net": "8.87", "Other Net Income": "-2.83", "Operating Revenue": "-10.7", "Other Revenues": "-14.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000874766_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "4,830,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,835,000", "Deferred Policy Acquisition Costs": "0", "Goodwill": "1,911,000", "Intangible Assets": "0", "Investments": "52,560,000", "Liability For Claims And Claims Adjustment Expense": "41,243,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "5,576,000", "Net Investment Income": "2,177,000", "Operating Expenses": "0", "Operating Revenue": "722,000", "Other Assets": "4,707,000", "Other Compr. Net Income": "-4,048,000", "Other Expenses": "740,000", "Other Liabilities": "4,757,000", "Other Net Income": "0", "Other Revenues": "73,000", "Policyholder Benefits And Claims Incurred Net": "13,142,000", "Premiums Earned Net": "19,390,000", "Premiums Receivable At Carrying Value": "4,949,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "927,000", "Reinsurance Payable": "0", "Unearned Premiums": "7,815,000" }, "output_variables": { "Liabilities": "59,391,000", "Assets": "73,022,000", "Expenses": "20,547,000", "Revenues": "22,362,000", "Stockholders Equity": "13,631,000", "Net Income": "1,815,000", "Comprehensive Net Income": "-2,233,000", "BaseVar": "174,442,385", "ECR before LimitedLiability": "-1.1%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11265588565728656, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000874766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000874766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000874766.svg" }, { "company_id": "0001095073", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001095073.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001095073.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001095073.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001095073_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001095073_main_keyfigs.svg", "name": "Everest Group LTD", "rank": 32, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001095073.svg", "report_text": "The relative strengths and weaknesses of Everest Group LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Everest Group LTD compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Everest Group LTD is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 54% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001095073_2023_Everest_Group_LTD.pdf", "shrinked_graph_json": { "2022": { "Expenses": "1.64", "Revenues": "1.42", "Net Income": "3.09", "Benefits Losses And Expenses": "7.92", "Costs And Expenses": "3.28", "Policyholder Benefits And Claims Incurred Net": "-53.6", "Other Expenses": "4.64", "Premiums Earned Net": "10.9", "Operating Revenue": "-13.5", "Other Revenues": "-19.4", "Other Assets": "-6.60", "Stockholders Equity": "-3.20", "Economic Capital Ratio": "-11.0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "2.94", "Liability For Claims And Claims Adjustment Expense": "-21.1", "Cash And Cash Equivalents At Carrying Value": "-2.30", "Investments": "-19.4", "Other Net Income": "-2.38", "Comprehensive Net Income": "1.56", "Other Compr. Net Income": "-3.30" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001095073_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "682,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "962,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "22,065,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "42,000", "Net Investment Income": "830,000", "Operating Expenses": "0", "Operating Revenue": "38,000", "Other Assets": "4,903,000", "Other Compr. Net Income": "-2,008,000", "Other Expenses": "2,681,000", "Other Liabilities": "3,704,000", "Other Net Income": "0", "Other Revenues": "-595,000", "Policyholder Benefits And Claims Incurred Net": "8,100,000", "Premiums Earned Net": "11,787,000", "Premiums Receivable At Carrying Value": "3,619,000", "Prepaid Reinsurance Premiums": "610,000", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "567,000", "Unearned Premiums": "5,147,000" }, "output_variables": { "Liabilities": "31,525,000", "Assets": "39,966,000", "Expenses": "11,463,000", "Revenues": "12,060,000", "Stockholders Equity": "8,441,000", "Net Income": "597,000", "Comprehensive Net Income": "-1,411,000", "BaseVar": "94,594,455", "ECR before LimitedLiability": "-1.7%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11244646786929421, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001095073.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001095073.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001095073.svg" }, { "company_id": "0000101199", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000101199.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000101199.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000101199.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000101199_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000101199_main_keyfigs.svg", "name": "United FIRE Group INC", "rank": 33, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000101199.svg", "report_text": "The relative strengths and weaknesses of United FIRE Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of United FIRE Group INC compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 11% points.The greatest weakness of United FIRE Group INC is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 61% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000101199_2023_United_FIRE_Group_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "13.2", "Assets": "-9.80", "ECR before LimitedLiability": "8.99", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "14.4", "Other Liabilities": "15.5", "Liability For Claims And Claims Adjustment Expense": "-28.7", "Investments": "7.03", "Other Assets": "-9.75", "Deferred Policy Acquisition Cost Amortization Expense": "6.57", "Expenses": "-20.2", "Revenues": "23.5", "Net Income": "6.93", "Costs And Expenses": "11.5", "Operating Expenses": "4.11", "Policyholder Benefits And Claims Incurred Net": "-70.7", "Benefits Losses And Expenses": "16.1", "Premiums Earned Net": "35.4", "Other Revenues": "-20.6", "Operating Revenue": "-16.2", "Comprehensive Net Income": "9.90", "Economic Capital Ratio": "0.0956" }, "2022": { "Other Assets": "-10.6", "Assets": "-5.03", "ECR before LimitedLiability": "1.35", "Premiums Receivable At Carrying Value": "1.30", "Investments": "4.08", "Revenues": "4.67", "Net Income": "2.01", "Premiums Earned Net": "11.1", "Operating Revenue": "-16.4", "Other Revenues": "-15.1", "Deferred Policy Acquisition Cost Amortization Expense": "1.55", "Other Net Income": "-1.91", "Benefits Losses And Expenses": "5.66", "Costs And Expenses": "4.06", "Policyholder Benefits And Claims Incurred Net": "-61.3", "Other Expenses": "5.21", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3.61", "Economic Capital Ratio": "-11.1", "Liability For Claims And Claims Adjustment Expense": "-17.1", "Other Liabilities": "1.95" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000101199_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "110,574", "Cash And Cash Equivalents At Carrying Value": "132,104", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "2,064,686", "Liability For Claims And Claims Adjustment Expense": "1,514,265", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "55,778", "Operating Expenses": "0", "Operating Revenue": "47,383", "Other Assets": "132,869", "Other Compr. Net Income": "-12,574", "Other Expenses": "222,868", "Other Liabilities": "179,602", "Other Net Income": "0", "Other Revenues": "207", "Policyholder Benefits And Claims Incurred Net": "652,155", "Premiums Earned Net": "962,823", "Premiums Receivable At Carrying Value": "316,771", "Prepaid Reinsurance Premiums": "9,328", "Property Plant And Equipment Net": "137,702", "Reinsurance Payable": "0", "Unearned Premiums": "439,733" }, "output_variables": { "Liabilities": "2,133,600", "Assets": "3,012,721", "Expenses": "985,597", "Revenues": "1,066,191", "Stockholders Equity": "879,121", "Net Income": "80,594", "Comprehensive Net Income": "68,020", "BaseVar": "7,331,515", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "38%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "114,645", "Cash And Cash Equivalents At Carrying Value": "96,650", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "1,844,891", "Liability For Claims And Claims Adjustment Expense": "1,497,274", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "44,932", "Operating Expenses": "0", "Operating Revenue": "-15,892", "Other Assets": "155,425", "Other Compr. Net Income": "-141,833", "Other Expenses": "213,309", "Other Liabilities": "170,510", "Other Net Income": "0", "Other Revenues": "-295", "Policyholder Benefits And Claims Incurred Net": "637,301", "Premiums Earned Net": "951,541", "Premiums Receivable At Carrying Value": "365,729", "Prepaid Reinsurance Premiums": "11,300", "Property Plant And Equipment Net": "133,113", "Reinsurance Payable": "0", "Unearned Premiums": "474,388" }, "output_variables": { "Liabilities": "2,142,172", "Assets": "2,882,286", "Expenses": "965,255", "Revenues": "980,286", "Stockholders Equity": "740,114", "Net Income": "15,031", "Comprehensive Net Income": "-126,802", "BaseVar": "7,323,626", "ECR before LimitedLiability": "-2.6%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": -17.0, "value": 0.11185459482148301, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000101199.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000101199.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000101199.svg" }, { "company_id": "0000020286", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000020286.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000020286.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000020286.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000020286_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000020286_main_keyfigs.svg", "name": "Cincinnati Financial CORP", "rank": 34, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000020286.svg", "report_text": "The relative strengths and weaknesses of Cincinnati Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Cincinnati Financial CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Cincinnati Financial CORP is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 46% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000020286_2023_Cincinnati_Financial_CORP.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "-5.37", "Assets": "3.18", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-10.8", "Stockholders Equity": "2.25", "Investments": "10.6", "Expenses": "2.16", "Revenues": "-5.97", "Comprehensive Net Income": "-4.88", "Benefits Losses And Expenses": "9.22", "Costs And Expenses": "3.23", "Policyholder Benefits And Claims Incurred Net": "-45.8", "Other Expenses": "2.32", "Net Investment Income": "1.71", "Premiums Earned Net": "10.4", "Operating Revenue": "-31.6", "Other Revenues": "-12.0", "ECR before LimitedLiability": "1.30", "Liability For Claims And Claims Adjustment Expense": "3.54", "Other Compr. Net Income": "-2.17", "Economic Capital Ratio": "-11.1" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000020286_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "23,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "1,014,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "22,425,000", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "10,133,000", "Net Investment Income": "781,000", "Operating Expenses": "0", "Operating Revenue": "-1,453,000", "Other Assets": "2,802,000", "Other Compr. Net Income": "-1,284,000", "Other Expenses": "2,008,000", "Other Liabilities": "5,383,000", "Other Net Income": "0", "Other Revenues": "10,000", "Policyholder Benefits And Claims Incurred Net": "5,012,000", "Premiums Earned Net": "7,219,000", "Premiums Receivable At Carrying Value": "2,322,000", "Prepaid Reinsurance Premiums": "79,000", "Property Plant And Equipment Net": "202,000", "Reinsurance Payable": "0", "Unearned Premiums": "3,689,000" }, "output_variables": { "Liabilities": "19,205,000", "Assets": "29,736,000", "Expenses": "7,043,000", "Revenues": "6,557,000", "Stockholders Equity": "10,531,000", "Net Income": "-486,000", "Comprehensive Net Income": "-1,770,000", "BaseVar": "58,778,120", "ECR before LimitedLiability": "-3.2%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11138473418074252, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000020286.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000020286.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000020286.svg" }, { "company_id": "0000005513", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000005513.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000005513.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000005513.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000005513_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000005513_main_keyfigs.svg", "name": "Unum Group", "rank": 35, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000005513.svg", "report_text": "The relative strengths and weaknesses of Unum Group are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Unum Group compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Unum Group is the variable Other Liabilities, reducing the Economic Capital Ratio by 54% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000005513_2023_Unum_Group.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "-14.4", "Assets": "3.79", "Stockholders Equity": "-2.15", "Liability For Claims And Claims Adjustment Expense": "2.90", "Other Liabilities": "-53.6", "Other Assets": "-6.68", "Investments": "9.46", "Expenses": "9.35", "Revenues": "-10.9", "Net Income": "4.00", "Benefits Losses And Expenses": "2.88", "Costs And Expenses": "2.57", "Policyholder Benefits And Claims Incurred Net": "-18.1", "Operating Expenses": "-1.98", "Other Expenses": "10.2", "Net Investment Income": "2.74", "Operating Revenue": "-9.88", "Other Revenues": "-8.83", "ECR before LimitedLiability": "1.30", "Economic Capital Ratio": "-11.1", "Other Compr. Net Income": "-5.57" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000005513_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "2,109,700", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "591,000", "Deferred Policy Acquisition Costs": "2,252,300", "Goodwill": "347,600", "Intangible Assets": "0", "Investments": "43,712,300", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "5,178,200", "Net Investment Income": "2,122,200", "Operating Expenses": "1,086,400", "Operating Revenue": "0", "Other Assets": "2,970,300", "Other Compr. Net Income": "-3,110,700", "Other Expenses": "-47,000", "Other Liabilities": "46,706,500", "Other Net Income": "0", "Other Revenues": "245,400", "Policyholder Benefits And Claims Incurred Net": "6,936,700", "Premiums Earned Net": "9,623,400", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "451,700", "Reinsurance Payable": "0", "Unearned Premiums": "352,700" }, "output_variables": { "Liabilities": "52,237,400", "Assets": "61,434,900", "Expenses": "10,676,800", "Revenues": "11,991,000", "Stockholders Equity": "9,197,500", "Net Income": "1,314,200", "Comprehensive Net Income": "-1,796,500", "BaseVar": "116,255,592", "ECR before LimitedLiability": "-3.2%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11136355724249312, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000005513.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000005513.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000005513.svg" }, { "company_id": "0001126328", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001126328.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001126328.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001126328.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001126328_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001126328_main_keyfigs.svg", "name": "Principal Financial Group Inc", "rank": 36, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001126328.svg", "report_text": "The relative strengths and weaknesses of Principal Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Principal Financial Group Inc compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Principal Financial Group Inc is the variable Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense, reducing the Economic Capital Ratio by 53% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001126328_2023_Principal_Financial_Group_Inc.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-52.8", "Liabilities": "-38.8", "Assets": "10.2", "Stockholders Equity": "-4.06", "Unearned Premiums": "0.694", "Liability For Claims And Claims Adjustment Expense": "1.75", "Other Liabilities": "-3.26", "Other Assets": "10.3", "Investments": "1.41", "Expenses": "11.0", "Revenues": "-31.0", "Net Income": "2.62", "Benefits Losses And Expenses": "5.28", "Costs And Expenses": "1.50", "Policyholder Benefits And Claims Incurred Net": "1.84", "Other Expenses": "4.43", "Premiums Earned Net": "-28.5", "Operating Revenue": "-5.16", "ECR before LimitedLiability": "1.21", "Comprehensive Net Income": "1.40", "Economic Capital Ratio": "-11.2" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001126328_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "4,848,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "4,686,900", "Goodwill": "1,598,200", "Intangible Assets": "1,533,300", "Investments": "95,089,300", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "223,596,000", "Net Investment Income": "3,830,400", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "24,825,500", "Other Compr. Net Income": "-8,982,300", "Other Expenses": "6,268,600", "Other Liabilities": "58,338,800", "Other Net Income": "0", "Other Revenues": "8,321,500", "Policyholder Benefits And Claims Incurred Net": "6,370,800", "Premiums Earned Net": "5,339,700", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "281,934,800", "Assets": "292,239,600", "Expenses": "12,639,400", "Revenues": "17,491,600", "Stockholders Equity": "10,304,800", "Net Income": "4,852,200", "Comprehensive Net Income": "-4,130,100", "BaseVar": "377,243,356", "ECR before LimitedLiability": "-4.1%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.11046957389344313, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001126328.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001126328.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001126328.svg" }, { "company_id": "0001576018", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001576018.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001576018.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001576018.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001576018_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001576018_main_keyfigs.svg", "name": "Siriuspoint Ltd", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001576018.svg", "report_text": "The relative strengths and weaknesses of Siriuspoint Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Siriuspoint Ltd compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of Siriuspoint Ltd is the variable Other Revenues, reducing the Economic Capital Ratio by 19% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001576018_2023_Siriuspoint_Ltd.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "1.38", "Liabilities": "-11.1", "Economic Capital Ratio": "-11.4", "Liability For Claims And Claims Adjustment Expense": "-16.3", "Other Liabilities": "1.44", "Assets": "4.71", "Other Assets": "-4.95", "Premiums Receivable At Carrying Value": "3.25", "Investments": "4.30", "Deferred Policy Acquisition Cost Amortization Expense": "1.31", "Expenses": "1.96", "Revenues": "-10.8", "Net Income": "-6.87", "Benefits Losses And Expenses": "-8.21", "Costs And Expenses": "3.05", "Policyholder Benefits And Claims Incurred Net": "8.46", "Other Expenses": "-18.2", "Premiums Earned Net": "7.97", "Operating Revenue": "-8.72", "Other Revenues": "-19.4", "Other Compr. Net Income": "3.88" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001576018_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "959,200", "Cash And Cash Equivalents At Carrying Value": "705,300", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "163,800", "Investments": "5,653,700", "Liability For Claims And Claims Adjustment Expense": "5,268,700", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "778,000", "Net Investment Income": "113,300", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "616,700", "Other Compr. Net Income": "-45,600", "Other Expenses": "1,532,400", "Other Liabilities": "572,300", "Other Net Income": "0", "Other Revenues": "-325,800", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "2,318,100", "Premiums Receivable At Carrying Value": "1,876,900", "Prepaid Reinsurance Premiums": "348,800", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "813,600", "Unearned Premiums": "1,521,100" }, "output_variables": { "Liabilities": "8,953,700", "Assets": "11,036,300", "Expenses": "2,491,600", "Revenues": "2,105,600", "Stockholders Equity": "2,082,600", "Net Income": "-386,000", "Comprehensive Net Income": "-431,600", "BaseVar": "20,696,654", "ECR before LimitedLiability": "-5.3%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.10891395726842129, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001576018.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001576018.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001576018.svg" }, { "company_id": "0001400810", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001400810.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001400810.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001400810.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001400810_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001400810_main_keyfigs.svg", "name": "HCI Group Inc", "rank": 38, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001400810.svg", "report_text": "The relative strengths and weaknesses of HCI Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of HCI Group Inc compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 9.4% points.The greatest weakness of HCI Group Inc is the variable Benefits Losses And Expenses, reducing the Economic Capital Ratio by 57% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 11% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001400810_2023_HCI_Group_Inc.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-15.0", "Liabilities": "-4.70", "Stockholders Equity": "-3.82", "Unearned Premiums": "-1.78", "Liability For Claims And Claims Adjustment Expense": "4.11", "Other Assets": "5.19", "ECR before LimitedLiability": "0.982", "Cash And Cash Equivalents At Carrying Value": "1.50", "Net Income": "-3.28", "Comprehensive Net Income": "2.29", "Other Compr. Net Income": "5.22", "Deferred Policy Acquisition Cost Amortization Expense": "1.70", "Operating Revenue": "-9.62", "Other Expenses": "1.44", "Premiums Earned Net": "9.17", "Benefits Losses And Expenses": "-56.8", "Costs And Expenses": "3.89", "Policyholder Benefits And Claims Incurred Net": "9.45", "Other Revenues": "-11.1", "Economic Capital Ratio": "-11.4" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001400810_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "396,441", "Cash And Cash Equivalents At Carrying Value": "234,863", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "45,522", "Goodwill": "0", "Intangible Assets": "0", "Investments": "615,592", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "863,765", "Net Investment Income": "32,447", "Operating Expenses": "0", "Operating Revenue": "4,279", "Other Assets": "787,816", "Other Compr. Net Income": "-5,186", "Other Expenses": "157,725", "Other Liabilities": "316,709", "Other Net Income": "0", "Other Revenues": "-735", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "463,572", "Premiums Receivable At Carrying Value": "34,998", "Prepaid Reinsurance Premiums": "66,627", "Property Plant And Equipment Net": "17,910", "Reinsurance Payable": "0", "Unearned Premiums": "368,047" }, "output_variables": { "Liabilities": "1,548,521", "Assets": "1,803,328", "Expenses": "554,166", "Revenues": "499,563", "Stockholders Equity": "254,807", "Net Income": "-54,603", "Comprehensive Net Income": "-59,789", "BaseVar": "4,116,724", "ECR before LimitedLiability": "-5.8%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.10818595603730508, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001400810.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001400810.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001400810.svg" }, { "company_id": "0000086312", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000086312.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000086312.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000086312.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000086312_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000086312_main_keyfigs.svg", "name": "Travelers Companies INC", "rank": 39, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000086312.svg", "report_text": "The relative strengths and weaknesses of Travelers Companies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Travelers Companies INC compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Travelers Companies INC is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 44% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 12% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000086312_2023_Travelers_Companies_INC.pdf", "shrinked_graph_json": { "2022": { "Deferred Policy Acquisition Cost Amortization Expense": "-8.91", "Expenses": "4.39", "Revenues": "3.02", "Net Income": "6.55", "Benefits Losses And Expenses": "5.54", "Costs And Expenses": "4.56", "Policyholder Benefits And Claims Incurred Net": "-44.2", "Operating Expenses": "1.13", "Other Expenses": "10.6", "Premiums Earned Net": "10.2", "Operating Revenue": "-12.0", "Other Revenues": "-9.50", "Other Assets": "-5.80", "Stockholders Equity": "-1.69", "Economic Capital Ratio": "-11.6", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.03", "Liability For Claims And Claims Adjustment Expense": "-13.4", "Investments": "7.02", "Comprehensive Net Income": "1.84", "Other Compr. Net Income": "-7.50" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000086312_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "4,810,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "5,515,000", "Deferred Policy Acquisition Costs": "2,836,000", "Goodwill": "3,952,000", "Intangible Assets": "287,000", "Investments": "80,454,000", "Liability For Claims And Claims Adjustment Expense": "58,649,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "2,562,000", "Operating Expenses": "0", "Operating Revenue": "-204,000", "Other Assets": "10,179,000", "Other Compr. Net Income": "-8,150,000", "Other Expenses": "351,000", "Other Liabilities": "17,268,000", "Other Net Income": "0", "Other Revenues": "763,000", "Policyholder Benefits And Claims Incurred Net": "22,854,000", "Premiums Earned Net": "33,763,000", "Premiums Receivable At Carrying Value": "8,922,000", "Prepaid Reinsurance Premiums": "1,024,000", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "18,240,000" }, "output_variables": { "Liabilities": "94,157,000", "Assets": "115,717,000", "Expenses": "33,530,000", "Revenues": "36,884,000", "Stockholders Equity": "21,560,000", "Net Income": "3,354,000", "Comprehensive Net Income": "-4,796,000", "BaseVar": "286,027,020", "ECR before LimitedLiability": "-6.7%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": null, "value": 0.10670315496099414, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000086312.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000086312.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000086312.svg" }, { "company_id": "0000899051", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000899051.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000899051.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000899051.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000899051_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000899051_main_keyfigs.svg", "name": "Allstate CORP", "rank": 40, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000899051.svg", "report_text": "The relative strengths and weaknesses of Allstate CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Allstate CORP compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Allstate CORP is the variable Benefits Losses And Expenses, reducing the Economic Capital Ratio by 157% points.

The company's Economic Capital Ratio, given in the ranking table, is 10%, being 12% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000899051_2023_Allstate_CORP.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-7.18", "Liabilities": "5.29", "Assets": "-18.4", "Stockholders Equity": "-8.36", "Liability For Claims And Claims Adjustment Expense": "6.43", "Other Liabilities": "3.12", "Other Assets": "-5.26", "Deferred Policy Acquisition Cost Amortization Expense": "-12.9", "Expenses": "-30.9", "Revenues": "10.2", "Comprehensive Net Income": "5.29", "Benefits Losses And Expenses": "-157", "Costs And Expenses": "6.63", "Policyholder Benefits And Claims Incurred Net": "10.2", "Other Expenses": "10.2", "Premiums Earned Net": "10.2", "Operating Revenue": "-15.4", "Other Revenues": "-11.7", "Economic Capital Ratio": "-12.0", "Other Compr. Net Income": "4.44" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000899051_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "44,710,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "6,644,000", "Deferred Policy Acquisition Costs": "0", "Goodwill": "3,502,000", "Intangible Assets": "0", "Investments": "61,829,000", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "47,675,000", "Net Investment Income": "2,403,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "17,056,000", "Other Compr. Net Income": "-2,971,000", "Other Expenses": "1,422,000", "Other Liabilities": "10,621,000", "Other Net Income": "0", "Other Revenues": "1,272,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "47,737,000", "Premiums Receivable At Carrying Value": "9,165,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "987,000", "Reinsurance Payable": "0", "Unearned Premiums": "22,311,000" }, "output_variables": { "Liabilities": "80,607,000", "Assets": "97,957,000", "Expenses": "52,776,000", "Revenues": "51,412,000", "Stockholders Equity": "17,350,000", "Net Income": "-1,364,000", "Comprehensive Net Income": "-4,335,000", "BaseVar": "336,283,495", "ECR before LimitedLiability": "-8.8%", "Economic Capital Ratio": "10%" } } }, "top_rated": false, "trend": null, "value": 0.10247125552954711, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000899051.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000899051.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000899051.svg" }, { "company_id": "0001681903", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001681903.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001681903.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001681903.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001681903_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001681903_main_keyfigs.svg", "name": "ICC Holdings Inc", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001681903.svg", "report_text": "The relative strengths and weaknesses of ICC Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of ICC Holdings Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 10% points.The greatest weakness of ICC Holdings Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 62% points.

The company's Economic Capital Ratio, given in the ranking table, is 10%, being 12% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001681903_2023_ICC_Holdings_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "13.8", "Assets": "-4.99", "Stockholders Equity": "6.66", "ECR before LimitedLiability": "9.33", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "13.9", "Other Liabilities": "10.6", "Unearned Premiums": "-7.43", "Liability For Claims And Claims Adjustment Expense": "-8.25", "Investments": "-22.1", "Other Assets": "30.6", "Deferred Policy Acquisition Cost Amortization Expense": "-48.5", "Expenses": "-13.4", "Revenues": "15.9", "Net Income": "5.23", "Other Expenses": "23.7", "Costs And Expenses": "11.1", "Policyholder Benefits And Claims Incurred Net": "-54.3", "Benefits Losses And Expenses": "27.4", "Premiums Earned Net": "31.0", "Other Revenues": "-11.1", "Operating Revenue": "-20.7", "Economic Capital Ratio": "0.434" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.90", "Liabilities": "3.50", "Economic Capital Ratio": "-12.1", "Liability For Claims And Claims Adjustment Expense": "-1.04", "Other Liabilities": "1.89", "Other Assets": "10.2", "Assets": "-4.51", "Investments": "-19.3", "Deferred Policy Acquisition Cost Amortization Expense": "-42.7", "Expenses": "-3.90", "Revenues": "7.12", "Net Income": "1.82", "Benefits Losses And Expenses": "9.84", "Costs And Expenses": "5.64", "Policyholder Benefits And Claims Incurred Net": "-62.3", "Operating Expenses": "1.58", "Other Expenses": "10.2", "Premiums Earned Net": "10.2", "Operating Revenue": "-10.6", "Other Revenues": "-21.2", "Other Compr. Net Income": "-1.09" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001681903_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "723", "Cash And Cash Equivalents At Carrying Value": "4,606", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "20,825", "Deferred Policy Acquisition Costs": "6,539", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "61,835", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "3,414", "Operating Expenses": "0", "Operating Revenue": "983", "Other Assets": "40,280", "Other Compr. Net Income": "-2,600", "Other Expenses": "1,050", "Other Liabilities": "25,883", "Other Net Income": "0", "Other Revenues": "3,151", "Policyholder Benefits And Claims Incurred Net": "34,700", "Premiums Earned Net": "53,893", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "3,144", "Reinsurance Payable": "1,368", "Unearned Premiums": "36,212" }, "output_variables": { "Liabilities": "125,298", "Assets": "200,002", "Expenses": "57,298", "Revenues": "61,441", "Stockholders Equity": "74,704", "Net Income": "4,143", "Comprehensive Net Income": "1,543", "BaseVar": "442,336", "ECR before LimitedLiability": "37%", "Economic Capital Ratio": "39%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "777", "Cash And Cash Equivalents At Carrying Value": "3,140", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "24,896", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "67,614", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "4,034", "Operating Expenses": "0", "Operating Revenue": "874", "Other Assets": "54,296", "Other Compr. Net Income": "-11,762", "Other Expenses": "56", "Other Liabilities": "22,175", "Other Net Income": "0", "Other Revenues": "-4,286", "Policyholder Benefits And Claims Incurred Net": "44,533", "Premiums Earned Net": "69,057", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "948", "Property Plant And Equipment Net": "3,314", "Reinsurance Payable": "1,405", "Unearned Premiums": "40,527" }, "output_variables": { "Liabilities": "131,721", "Assets": "192,162", "Expenses": "70,262", "Revenues": "69,680", "Stockholders Equity": "60,441", "Net Income": "-582", "Comprehensive Net Income": "-12,343", "BaseVar": "511,617", "ECR before LimitedLiability": "-9.0%", "Economic Capital Ratio": "10%" } } }, "top_rated": false, "trend": -26.0, "value": 0.1019458158967061, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001681903.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001681903.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001681903.svg" }, { "company_id": "0000914748", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000914748.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000914748.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000914748.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000914748_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000914748_main_keyfigs.svg", "name": "Everest Reinsurance Holdings INC", "rank": 42, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000914748.svg", "report_text": "The relative strengths and weaknesses of Everest Reinsurance Holdings INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Everest Reinsurance Holdings INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Everest Reinsurance Holdings INC is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 51% points.

The company's Economic Capital Ratio, given in the ranking table, is 10%, being 12% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000914748_2023_Everest_Reinsurance_Holdings_INC.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3.94", "Liabilities": "-1.07", "Stockholders Equity": "-0.890", "Economic Capital Ratio": "-12.2", "Liability For Claims And Claims Adjustment Expense": "-15.3", "Other Liabilities": "0.813", "Deferred Policy Acquisition Cost Amortization Expense": "2.19", "Expenses": "0.820", "Benefits Losses And Expenses": "7.88", "Costs And Expenses": "4.51", "Policyholder Benefits And Claims Incurred Net": "-51.3", "Operating Expenses": "1.26", "Other Expenses": "6.57", "Other Assets": "10.0", "Cash And Cash Equivalents At Carrying Value": "-0.799", "Investments": "-15.5", "Operating Revenue": "-7.91", "Net Investment Income": "1.57", "Other Revenues": "-22.3", "Other Net Income": "-0.778", "Premiums Earned Net": "9.88" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000914748_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "527,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "499,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "14,977,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "43,000", "Net Investment Income": "638,000", "Operating Expenses": "0", "Operating Revenue": "51,000", "Other Assets": "6,079,000", "Other Compr. Net Income": "-939,000", "Other Expenses": "1,621,000", "Other Liabilities": "3,670,000", "Other Net Income": "0", "Other Revenues": "-1,039,000", "Policyholder Benefits And Claims Incurred Net": "5,823,000", "Premiums Earned Net": "7,876,000", "Premiums Receivable At Carrying Value": "1,721,000", "Prepaid Reinsurance Premiums": "463,000", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "436,000", "Unearned Premiums": "3,177,000" }, "output_variables": { "Liabilities": "22,303,000", "Assets": "27,957,000", "Expenses": "7,971,000", "Revenues": "7,526,000", "Stockholders Equity": "5,654,000", "Net Income": "-445,000", "Comprehensive Net Income": "-1,384,000", "BaseVar": "63,014,980", "ECR before LimitedLiability": "-9.6%", "Economic Capital Ratio": "10%" } } }, "top_rated": false, "trend": null, "value": 0.1004639791039786, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000914748.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000914748.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000914748.svg" }, { "company_id": "0000891166", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000891166.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000891166.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000891166.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000891166_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000891166_main_keyfigs.svg", "name": "Universal Insurance Holdings Inc", "rank": 43, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000891166.svg", "report_text": "The relative strengths and weaknesses of Universal Insurance Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Universal Insurance Holdings Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Universal Insurance Holdings Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 92% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.6%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000891166_2023_Universal_Insurance_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Assets": "-9.75", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.34", "Stockholders Equity": "-7.99", "Other Assets": "-8.92", "Cash And Cash Equivalents At Carrying Value": "1.75", "Investments": "-1.95", "Deferred Policy Acquisition Cost Amortization Expense": "2.96", "Expenses": "-10.7", "Revenues": "8.42", "Comprehensive Net Income": "4.62", "Costs And Expenses": "5.72", "Policyholder Benefits And Claims Incurred Net": "-91.6", "Operating Expenses": "1.74", "Other Expenses": "9.63", "Premiums Earned Net": "9.64", "Operating Revenue": "-3.99", "Other Revenues": "-10.1", "Economic Capital Ratio": "-12.6", "Unearned Premiums": "-4.01", "Other Liabilities": "3.69", "Other Compr. Net Income": "3.19" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000891166_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "304,897", "Cash And Cash Equivalents At Carrying Value": "388,706", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "103,654", "Goodwill": "0", "Intangible Assets": "0", "Investments": "1,105,806", "Liability For Claims And Claims Adjustment Expense": "1,038,790", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "102,769", "Net Investment Income": "25,785", "Operating Expenses": "0", "Operating Revenue": "53,168", "Other Assets": "79,733", "Other Compr. Net Income": "-88,214", "Other Expenses": "1,619", "Other Liabilities": "132,341", "Other Net Income": "0", "Other Revenues": "15,079", "Policyholder Benefits And Claims Incurred Net": "938,399", "Premiums Earned Net": "1,128,626", "Premiums Receivable At Carrying Value": "69,574", "Prepaid Reinsurance Premiums": "282,427", "Property Plant And Equipment Net": "51,404", "Reinsurance Payable": "384,504", "Unearned Premiums": "943,854" }, "output_variables": { "Liabilities": "2,602,258", "Assets": "2,890,154", "Expenses": "1,244,915", "Revenues": "1,222,658", "Stockholders Equity": "287,896", "Net Income": "-22,257", "Comprehensive Net Income": "-110,471", "BaseVar": "8,637,295", "ECR before LimitedLiability": "-11%", "Economic Capital Ratio": "9.6%" } } }, "top_rated": false, "trend": null, "value": 0.09644568759643539, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000891166.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000891166.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000891166.svg" }, { "company_id": "0001412100", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001412100.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001412100.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001412100.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001412100_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001412100_main_keyfigs.svg", "name": "Maiden Holdings Ltd", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001412100.svg", "report_text": "The relative strengths and weaknesses of Maiden Holdings Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Maiden Holdings Ltd compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Maiden Holdings Ltd is the variable Revenues, reducing the Economic Capital Ratio by 35% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.3%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001412100_2023_Maiden_Holdings_Ltd.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-33.6", "ECR before LimitedLiability": "-8.93", "Other Liabilities": "6.58", "Liability For Claims And Claims Adjustment Expense": "-50.6", "Investments": "6.15", "Assets": "16.6", "Other Assets": "18.3", "Expenses": "18.8", "Revenues": "-38.1", "Net Income": "2.74", "Other Expenses": "9.25", "Costs And Expenses": "5.74", "Operating Expenses": "1.78", "Policyholder Benefits And Claims Incurred Net": "9.77", "Benefits Losses And Expenses": "9.11", "Premiums Earned Net": "-24.7", "Operating Revenue": "-7.89", "Net Investment Income": "-1.86", "Economic Capital Ratio": "-17.8", "Other Compr. Net Income": "-3.46" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-0.709", "Liabilities": "-25.3", "Economic Capital Ratio": "-12.9", "Liability For Claims And Claims Adjustment Expense": "-27.7", "Other Assets": "9.30", "Assets": "9.27", "Investments": "3.01", "Expenses": "9.10", "Revenues": "-34.5", "Net Income": "-2.54", "Benefits Losses And Expenses": "3.34", "Costs And Expenses": "2.35", "Policyholder Benefits And Claims Incurred Net": "0.808", "Operating Expenses": "0.698", "Other Expenses": "6.96", "Net Investment Income": "-0.833", "Premiums Earned Net": "-21.8", "Operating Revenue": "-1.83", "Other Revenues": "-1.02", "Comprehensive Net Income": "-1.94" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001412100_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "36,020", "Cash And Cash Equivalents At Carrying Value": "26,668", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "24,840", "Deferred Policy Acquisition Costs": "36,703", "Goodwill": "0", "Intangible Assets": "0", "Investments": "822,612", "Liability For Claims And Claims Adjustment Expense": "1,489,373", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "255,347", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,417,120", "Other Compr. Net Income": "-36,072", "Other Expenses": "11,657", "Other Liabilities": "93,502", "Other Net Income": "7,748", "Other Revenues": "45,728", "Policyholder Benefits And Claims Incurred Net": "7,307", "Premiums Earned Net": "52,993", "Premiums Receivable At Carrying Value": "19,507", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "100,131" }, "output_variables": { "Liabilities": "1,938,353", "Assets": "2,322,610", "Expenses": "79,824", "Revenues": "98,721", "Stockholders Equity": "384,257", "Net Income": "26,645", "Comprehensive Net Income": "-9,427", "BaseVar": "2,643,033", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "20%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "30,947", "Cash And Cash Equivalents At Carrying Value": "30,986", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "18,511", "Deferred Policy Acquisition Costs": "24,976", "Goodwill": "0", "Intangible Assets": "0", "Investments": "587,060", "Liability For Claims And Claims Adjustment Expense": "1,131,408", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "255,572", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,193,137", "Other Compr. Net Income": "-29,019", "Other Expenses": "10,519", "Other Liabilities": "108,226", "Other Net Income": "-205", "Other Revenues": "20,400", "Policyholder Benefits And Claims Incurred Net": "57,991", "Premiums Earned Net": "37,732", "Premiums Receivable At Carrying Value": "10,707", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "67,081" }, "output_variables": { "Liabilities": "1,562,287", "Assets": "1,846,866", "Expenses": "117,968", "Revenues": "58,132", "Stockholders Equity": "284,579", "Net Income": "-60,041", "Comprehensive Net Income": "-89,060", "BaseVar": "2,177,848", "ECR before LimitedLiability": "-12%", "Economic Capital Ratio": "9.3%" } } }, "top_rated": false, "trend": -17.0, "value": 0.09310833182130225, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001412100.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001412100.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001412100.svg" }, { "company_id": "0000944695", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000944695.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000944695.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000944695.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000944695_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000944695_main_keyfigs.svg", "name": "Hanover Insurance Group Inc", "rank": 45, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000944695.svg", "report_text": "The relative strengths and weaknesses of Hanover Insurance Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Hanover Insurance Group Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 9.2% points.The greatest weakness of Hanover Insurance Group Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 64% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.2%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000944695_2023_Hanover_Insurance_Group_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "10.2", "Assets": "-11.3", "Stockholders Equity": "-5.02", "Economic Capital Ratio": "-9.04", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "13.8", "Other Liabilities": "10.9", "Unearned Premiums": "-4.71", "Liability For Claims And Claims Adjustment Expense": "-15.2", "Other Assets": "-8.96", "Deferred Policy Acquisition Cost Amortization Expense": "-21.7", "Expenses": "-14.8", "Revenues": "18.5", "Net Income": "6.75", "Other Expenses": "19.0", "Costs And Expenses": "11.4", "Policyholder Benefits And Claims Incurred Net": "-64.1", "Benefits Losses And Expenses": "17.3", "Premiums Earned Net": "28.4", "Other Revenues": "-13.4", "Operating Revenue": "-21.5", "Comprehensive Net Income": "5.11" }, "2022": { "Assets": "-6.09", "Stockholders Equity": "-2.10", "Economic Capital Ratio": "-13.1", "Other Assets": "-6.16", "Investments": "2.79", "Deferred Policy Acquisition Cost Amortization Expense": "-15.9", "Expenses": "-1.80", "Revenues": "7.31", "Net Income": "4.00", "Benefits Losses And Expenses": "7.16", "Costs And Expenses": "5.62", "Policyholder Benefits And Claims Incurred Net": "-63.8", "Operating Expenses": "1.79", "Other Expenses": "9.17", "Premiums Earned Net": "9.18", "Operating Revenue": "-11.0", "Other Revenues": "-12.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "4.85", "Liability For Claims And Claims Adjustment Expense": "-6.26", "Other Liabilities": "2.18", "Comprehensive Net Income": "2.18" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000944695_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "555,600", "Cash And Cash Equivalents At Carrying Value": "230,900", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "982,700", "Deferred Policy Acquisition Costs": "552,000", "Goodwill": "178,800", "Intangible Assets": "0", "Investments": "9,152,600", "Liability For Claims And Claims Adjustment Expense": "6,447,600", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "310,700", "Operating Expenses": "0", "Operating Revenue": "4,600", "Other Assets": "763,200", "Other Compr. Net Income": "-250,300", "Other Expenses": "135,300", "Other Liabilities": "1,871,800", "Other Net Income": "0", "Other Revenues": "142,300", "Policyholder Benefits And Claims Incurred Net": "3,134,200", "Premiums Earned Net": "4,770,200", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "55,100", "Unearned Premiums": "2,734,900" }, "output_variables": { "Liabilities": "11,109,400", "Assets": "14,254,300", "Expenses": "4,807,800", "Revenues": "5,227,800", "Stockholders Equity": "3,144,900", "Net Income": "420,000", "Comprehensive Net Income": "169,700", "BaseVar": "36,390,850", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "29%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "573,900", "Cash And Cash Equivalents At Carrying Value": "305,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,093,200", "Deferred Policy Acquisition Costs": "604,800", "Goodwill": "178,800", "Intangible Assets": "0", "Investments": "8,509,800", "Liability For Claims And Claims Adjustment Expense": "7,012,600", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "296,300", "Operating Expenses": "0", "Operating Revenue": "-26,500", "Other Assets": "832,900", "Other Compr. Net Income": "-827,700", "Other Expenses": "61,300", "Other Liabilities": "1,634,500", "Other Net Income": "0", "Other Revenues": "-53,500", "Policyholder Benefits And Claims Incurred Net": "3,623,400", "Premiums Earned Net": "5,252,300", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "70,300", "Unearned Premiums": "2,954,200" }, "output_variables": { "Liabilities": "11,671,600", "Assets": "13,997,200", "Expenses": "5,351,800", "Revenues": "5,468,600", "Stockholders Equity": "2,325,600", "Net Income": "116,800", "Comprehensive Net Income": "-710,900", "BaseVar": "39,683,270", "ECR before LimitedLiability": "-13%", "Economic Capital Ratio": "9.2%" } } }, "top_rated": false, "trend": -24.0, "value": 0.09179172158321165, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000944695.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000944695.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000944695.svg" }, { "company_id": "0000005272", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000005272.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000005272.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000005272.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000005272_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000005272_main_keyfigs.svg", "name": "American International Group INC", "rank": 46, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000005272.svg", "report_text": "The relative strengths and weaknesses of American International Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of American International Group INC compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 9.1% points.The greatest weakness of American International Group INC is the variable Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense, reducing the Economic Capital Ratio by 27% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.2%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000005272_2023_American_International_Group_INC.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-26.7", "Liabilities": "-20.1", "Stockholders Equity": "-1.67", "Economic Capital Ratio": "-13.1", "Unearned Premiums": "0.800", "Other Assets": "0.981", "Assets": "8.23", "Investments": "7.94", "Deferred Policy Acquisition Cost Amortization Expense": "1.52", "Expenses": "9.13", "Revenues": "-20.9", "Net Income": "4.72", "Benefits Losses And Expenses": "3.44", "Costs And Expenses": "3.01", "Operating Expenses": "0.904", "Other Expenses": "7.31", "Net Investment Income": "2.20", "Premiums Earned Net": "-17.5", "Other Revenues": "-2.08", "Other Compr. Net Income": "-5.43" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000005272_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "14,165,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "309,150,000", "Liability For Claims And Claims Adjustment Expense": "75,167,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "337,259,000", "Net Investment Income": "11,767,000", "Operating Expenses": "0", "Operating Revenue": "11,963,000", "Other Assets": "103,870,000", "Other Compr. Net Income": "-31,818,000", "Other Expenses": "8,225,000", "Other Liabilities": "53,635,000", "Other Net Income": "-1,000", "Other Revenues": "850,000", "Policyholder Benefits And Claims Incurred Net": "22,771,000", "Premiums Earned Net": "31,857,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "18,338,000" }, "output_variables": { "Liabilities": "484,399,000", "Assets": "526,634,000", "Expenses": "45,161,000", "Revenues": "56,437,000", "Stockholders Equity": "42,235,000", "Net Income": "11,275,000", "Comprehensive Net Income": "-20,543,000", "BaseVar": "813,042,685", "ECR before LimitedLiability": "-13%", "Economic Capital Ratio": "9.2%" } } }, "top_rated": false, "trend": null, "value": 0.09168921200947543, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000005272.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000005272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000005272.svg" }, { "company_id": "0001127703", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001127703.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001127703.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001127703.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001127703_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001127703_main_keyfigs.svg", "name": "Proassurance CORP", "rank": 47, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001127703.svg", "report_text": "The relative strengths and weaknesses of Proassurance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Proassurance CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Proassurance CORP is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.1%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001127703_2023_Proassurance_CORP.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-8.56", "Economic Capital Ratio": "-7.76", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "5.49", "Other Liabilities": "9.82", "Liability For Claims And Claims Adjustment Expense": "-43.4", "Investments": "19.8", "Assets": "6.17", "Other Assets": "-6.05", "Expenses": "12.6", "Revenues": "-11.6", "Net Income": "5.70", "Other Expenses": "16.8", "Costs And Expenses": "7.46", "Operating Expenses": "2.48", "Policyholder Benefits And Claims Incurred Net": "-28.0", "Benefits Losses And Expenses": "11.2", "Premiums Earned Net": "6.77", "Other Revenues": "-7.98", "Operating Revenue": "-12.6", "Comprehensive Net Income": "5.46", "Other Net Income": "3.81" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "1.96", "Liabilities": "-4.18", "Economic Capital Ratio": "-13.2", "Liability For Claims And Claims Adjustment Expense": "-21.0", "Other Liabilities": "2.30", "Other Assets": "-2.18", "Assets": "4.99", "Investments": "8.94", "Deferred Policy Acquisition Cost Amortization Expense": "-1.43", "Expenses": "7.69", "Revenues": "-7.60", "Net Income": "1.76", "Benefits Losses And Expenses": "5.00", "Costs And Expenses": "4.01", "Policyholder Benefits And Claims Incurred Net": "-21.6", "Other Expenses": "8.79", "Premiums Earned Net": "3.49", "Operating Revenue": "-4.23", "Other Revenues": "-6.31", "Comprehensive Net Income": "-1.51", "Other Compr. Net Income": "-2.17" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001127703_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "157,641", "Cash And Cash Equivalents At Carrying Value": "143,602", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "110,605", "Deferred Policy Acquisition Costs": "58,940", "Goodwill": "49,610", "Intangible Assets": "0", "Investments": "4,828,323", "Liability For Claims And Claims Adjustment Expense": "3,579,940", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "424,986", "Net Investment Income": "70,522", "Operating Expenses": "0", "Operating Revenue": "24,310", "Other Assets": "814,994", "Other Compr. Net Income": "-58,943", "Other Expenses": "34,199", "Other Liabilities": "301,576", "Other Net Income": "74,408", "Other Revenues": "57,910", "Policyholder Benefits And Claims Incurred Net": "752,249", "Premiums Earned Net": "971,668", "Premiums Receivable At Carrying Value": "241,095", "Prepaid Reinsurance Premiums": "24,571", "Property Plant And Equipment Net": "30,342", "Reinsurance Payable": "22,627", "Unearned Premiums": "433,961" }, "output_variables": { "Liabilities": "4,763,090", "Assets": "6,191,477", "Expenses": "1,054,694", "Revenues": "1,124,410", "Stockholders Equity": "1,428,387", "Net Income": "144,124", "Comprehensive Net Income": "85,181", "BaseVar": "10,807,492", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "30%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "174,163", "Cash And Cash Equivalents At Carrying Value": "29,959", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "133,175", "Deferred Policy Acquisition Costs": "58,148", "Goodwill": "49,610", "Intangible Assets": "0", "Investments": "4,387,683", "Liability For Claims And Claims Adjustment Expense": "3,471,147", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "426,983", "Net Investment Income": "95,972", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "869,417", "Other Compr. Net Income": "-314,891", "Other Expenses": "22,990", "Other Liabilities": "246,387", "Other Net Income": "0", "Other Revenues": "-18,865", "Policyholder Benefits And Claims Incurred Net": "776,762", "Premiums Earned Net": "1,029,581", "Premiums Receivable At Carrying Value": "246,094", "Prepaid Reinsurance Premiums": "29,120", "Property Plant And Equipment Net": "29,968", "Reinsurance Payable": "28,514", "Unearned Premiums": "422,950" }, "output_variables": { "Liabilities": "4,595,981", "Assets": "5,699,999", "Expenses": "1,107,090", "Revenues": "1,106,688", "Stockholders Equity": "1,104,018", "Net Income": "-402", "Comprehensive Net Income": "-315,293", "BaseVar": "10,976,572", "ECR before LimitedLiability": "-13%", "Economic Capital Ratio": "9.1%" } } }, "top_rated": false, "trend": -27.0, "value": 0.09068685367161765, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001127703.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001127703.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001127703.svg" }, { "company_id": "0001091748", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001091748.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001091748.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001091748.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001091748_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001091748_main_keyfigs.svg", "name": "Argo Group International Holdings Ltd", "rank": 48, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001091748.svg", "report_text": "The relative strengths and weaknesses of Argo Group International Holdings Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Argo Group International Holdings Ltd compared to the market average is the variable Benefits Losses And Expenses, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of Argo Group International Holdings Ltd is the variable Other Expenses, reducing the Economic Capital Ratio by 34% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.1%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001091748_2023_Argo_Group_International_Holdings_Ltd.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3.17", "Liabilities": "-10.8", "Assets": "5.72", "Stockholders Equity": "-1.66", "Economic Capital Ratio": "-13.2", "Liability For Claims And Claims Adjustment Expense": "-12.9", "Other Liabilities": "-1.78", "Other Assets": "1.49", "Deferred Policy Acquisition Cost Amortization Expense": "1.89", "Expenses": "6.85", "Revenues": "-11.0", "Net Income": "-0.967", "Benefits Losses And Expenses": "7.80", "Costs And Expenses": "3.71", "Policyholder Benefits And Claims Incurred Net": "7.76", "Operating Expenses": "1.13", "Other Expenses": "-33.6", "Premiums Earned Net": "3.21", "Operating Revenue": "-8.21", "Other Revenues": "-3.62" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001091748_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "107,000", "Goodwill": "118,600", "Intangible Assets": "0", "Investments": "3,651,900", "Liability For Claims And Claims Adjustment Expense": "5,051,600", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "50,000", "Net Investment Income": "129,800", "Operating Expenses": "0", "Operating Revenue": "-115,900", "Other Assets": "2,460,300", "Other Compr. Net Income": "-282,400", "Other Expenses": "1,930,100", "Other Liabilities": "2,501,300", "Other Net Income": "0", "Other Revenues": "600", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "1,740,400", "Premiums Receivable At Carrying Value": "292,000", "Prepaid Reinsurance Premiums": "375,500", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "158,700", "Unearned Premiums": "1,039,900" }, "output_variables": { "Liabilities": "8,801,500", "Assets": "10,034,400", "Expenses": "1,930,100", "Revenues": "1,754,900", "Stockholders Equity": "1,232,900", "Net Income": "-175,200", "Comprehensive Net Income": "-457,600", "BaseVar": "18,562,807", "ECR before LimitedLiability": "-13%", "Economic Capital Ratio": "9.1%" } } }, "top_rated": false, "trend": null, "value": 0.09064780543049619, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001091748.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001091748.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001091748.svg" }, { "company_id": "0000021175", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000021175.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000021175.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000021175.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000021175_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000021175_main_keyfigs.svg", "name": "CNA Financial CORP", "rank": 49, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000021175.svg", "report_text": "The relative strengths and weaknesses of CNA Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of CNA Financial CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of CNA Financial CORP is the variable Other Expenses, reducing the Economic Capital Ratio by 12% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.0%, being 13% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000021175_2023_CNA_Financial_CORP.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-12.0", "Economic Capital Ratio": "-11.1", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-5.18", "Other Liabilities": "5.42", "Liability For Claims And Claims Adjustment Expense": "-13.7", "Investments": "17.4", "Assets": "7.70", "Other Assets": "-3.15", "Deferred Policy Acquisition Cost Amortization Expense": "-3.49", "Expenses": "15.5", "Revenues": "-9.69", "Net Income": "3.87", "Other Expenses": "-30.6", "Costs And Expenses": "7.36", "Operating Expenses": "2.34", "Policyholder Benefits And Claims Incurred Net": "16.8", "Benefits Losses And Expenses": "14.7", "Premiums Earned Net": "-3.87", "Operating Revenue": "-4.48", "Net Investment Income": "-2.61", "Comprehensive Net Income": "4.36" }, "2022": { "Liabilities": "-7.15", "Stockholders Equity": "-1.54", "Economic Capital Ratio": "-13.2", "Liability For Claims And Claims Adjustment Expense": "-5.66", "Other Assets": "-1.41", "Assets": "4.69", "Cash And Cash Equivalents At Carrying Value": "-0.953", "Investments": "8.53", "Deferred Policy Acquisition Cost Amortization Expense": "-1.52", "Expenses": "8.40", "Revenues": "-7.42", "Net Income": "4.18", "Benefits Losses And Expenses": "6.08", "Costs And Expenses": "3.93", "Policyholder Benefits And Claims Incurred Net": "7.94", "Operating Expenses": "1.21", "Other Expenses": "-11.5", "Net Investment Income": "-1.36", "Premiums Earned Net": "-2.05", "Other Compr. Net Income": "-4.01" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000021175_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "1,191,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,443,000", "Deferred Policy Acquisition Costs": "737,000", "Goodwill": "148,000", "Intangible Assets": "0", "Investments": "50,328,000", "Liability For Claims And Claims Adjustment Expense": "24,174,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "16,015,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "1,430,000", "Other Assets": "6,792,000", "Other Compr. Net Income": "-483,000", "Other Expenses": "8,072,000", "Other Liabilities": "7,880,000", "Other Net Income": "0", "Other Revenues": "2,303,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "8,175,000", "Premiums Receivable At Carrying Value": "2,945,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "226,000", "Reinsurance Payable": "0", "Unearned Premiums": "5,761,000" }, "output_variables": { "Liabilities": "53,830,000", "Assets": "66,639,000", "Expenses": "10,706,000", "Revenues": "11,908,000", "Stockholders Equity": "12,809,000", "Net Income": "1,202,000", "Comprehensive Net Income": "719,000", "BaseVar": "113,473,085", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "27%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "1,339,000", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,490,000", "Deferred Policy Acquisition Costs": "806,000", "Goodwill": "144,000", "Intangible Assets": "0", "Investments": "43,177,000", "Liability For Claims And Claims Adjustment Expense": "25,099,000", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "12,689,000", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "1,574,000", "Other Assets": "8,000,000", "Other Compr. Net Income": "-3,877,000", "Other Expenses": "8,156,000", "Other Liabilities": "7,940,000", "Other Net Income": "0", "Other Revenues": "1,638,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "8,667,000", "Premiums Receivable At Carrying Value": "3,158,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "226,000", "Reinsurance Payable": "0", "Unearned Premiums": "6,374,000" }, "output_variables": { "Liabilities": "52,102,000", "Assets": "60,927,000", "Expenses": "10,985,000", "Revenues": "11,879,000", "Stockholders Equity": "8,825,000", "Net Income": "894,000", "Comprehensive Net Income": "-2,983,000", "BaseVar": "118,152,505", "ECR before LimitedLiability": "-13%", "Economic Capital Ratio": "9.0%" } } }, "top_rated": false, "trend": -27.0, "value": 0.09014613326735614, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000021175.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000021175.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000021175.svg" }, { "company_id": "0000004977", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000004977.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000004977.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000004977.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000004977_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000004977_main_keyfigs.svg", "name": "Aflac INC", "rank": 50, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000004977.svg", "report_text": "The relative strengths and weaknesses of Aflac INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Aflac INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 8.1% points.The greatest weakness of Aflac INC is the variable Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense, reducing the Economic Capital Ratio by 33% points.

The company's Economic Capital Ratio, given in the ranking table, is 8.1%, being 14% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000004977_2023_Aflac_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-19.6", "Economic Capital Ratio": "-7.63", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-64.4", "Other Liabilities": "4.85", "Unearned Premiums": "3.28", "Liability For Claims And Claims Adjustment Expense": "8.75", "Investments": "-14.1", "Assets": "13.2", "Other Assets": "-7.01", "Expenses": "20.0", "Revenues": "-16.9", "Net Income": "7.42", "Other Expenses": "12.4", "Costs And Expenses": "6.32", "Policyholder Benefits And Claims Incurred Net": "-6.36", "Benefits Losses And Expenses": "9.17", "Other Revenues": "-8.35", "Operating Revenue": "-12.1", "Net Investment Income": "5.97", "Comprehensive Net Income": "6.66" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-32.5", "Liabilities": "-8.65", "Economic Capital Ratio": "-14.1", "Liability For Claims And Claims Adjustment Expense": "3.55", "Other Assets": "-3.07", "Assets": "6.69", "Investments": "-9.19", "Expenses": "8.12", "Revenues": "-14.6", "Net Income": "6.13", "Benefits Losses And Expenses": "4.79", "Costs And Expenses": "3.58", "Policyholder Benefits And Claims Incurred Net": "-2.24", "Other Expenses": "7.76", "Net Investment Income": "3.14", "Premiums Earned Net": "-3.07", "Operating Revenue": "-3.05", "Other Revenues": "-2.89", "Comprehensive Net Income": "-2.53", "Other Compr. Net Income": "-14.9" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000004977_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "3,544,000", "Cash And Cash Equivalents At Carrying Value": "5,051,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,170,000", "Deferred Policy Acquisition Costs": "9,525,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "105,072,000", "Net Investment Income": "3,818,000", "Operating Expenses": "1,256,000", "Operating Revenue": "0", "Other Assets": "-1,243,000", "Other Compr. Net Income": "-1,541,000", "Other Expenses": "1,235,000", "Other Liabilities": "16,641,000", "Other Net Income": "0", "Other Revenues": "641,000", "Policyholder Benefits And Claims Incurred Net": "10,576,000", "Premiums Earned Net": "17,647,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "538,000", "Reinsurance Payable": "0", "Unearned Premiums": "2,576,000" }, "output_variables": { "Liabilities": "124,289,000", "Assets": "157,542,000", "Expenses": "17,781,000", "Revenues": "22,106,000", "Stockholders Equity": "33,253,000", "Net Income": "4,325,000", "Comprehensive Net Income": "2,784,000", "BaseVar": "236,407,040", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "31%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "3,250,000", "Cash And Cash Equivalents At Carrying Value": "3,943,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "1,152,000", "Deferred Policy Acquisition Costs": "8,593,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "93,258,000", "Net Investment Income": "3,656,000", "Operating Expenses": "1,117,000", "Operating Revenue": "0", "Other Assets": "-93,000", "Other Compr. Net Income": "-11,798,000", "Other Expenses": "629,000", "Other Liabilities": "13,569,000", "Other Net Income": "0", "Other Revenues": "583,000", "Policyholder Benefits And Claims Incurred Net": "9,153,000", "Premiums Earned Net": "15,263,000", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "530,000", "Reinsurance Payable": "0", "Unearned Premiums": "1,825,000" }, "output_variables": { "Liabilities": "108,652,000", "Assets": "131,017,000", "Expenses": "15,301,000", "Revenues": "19,502,000", "Stockholders Equity": "22,365,000", "Net Income": "4,201,000", "Comprehensive Net Income": "-7,597,000", "BaseVar": "227,249,805", "ECR before LimitedLiability": "-16%", "Economic Capital Ratio": "8.1%" } } }, "top_rated": false, "trend": -31.0, "value": 0.08140793293780557, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000004977.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000004977.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000004977.svg" }, { "company_id": "0000850141", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000850141.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000850141.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000850141.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000850141_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000850141_main_keyfigs.svg", "name": "Horace Mann Educators Corp De", "rank": 51, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000850141.svg", "report_text": "The relative strengths and weaknesses of Horace Mann Educators Corp De are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Horace Mann Educators Corp De compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 7.7% points.The greatest weakness of Horace Mann Educators Corp De is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 38% points.

The company's Economic Capital Ratio, given in the ranking table, is 7.8%, being 14% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000850141_2023_Horace_Mann_Educators_Corp_De.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-28.1", "Assets": "12.9", "Stockholders Equity": "-2.08", "ECR before LimitedLiability": "-8.10", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-60.0", "Other Liabilities": "3.40", "Unearned Premiums": "2.76", "Liability For Claims And Claims Adjustment Expense": "6.67", "Investments": "10.3", "Other Assets": "3.96", "Expenses": "16.3", "Comprehensive Net Income": "2.33", "Costs And Expenses": "6.58", "Benefits Losses And Expenses": "11.3", "Premiums Earned Net": "-42.9", "Revenues": "-26.1", "Other Revenues": "10.9", "Operating Revenue": "-9.35", "Net Investment Income": "9.66", "Economic Capital Ratio": "-17.0" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-33.9", "Liabilities": "-17.7", "Stockholders Equity": "-2.17", "ECR before LimitedLiability": "-2.07", "Liability For Claims And Claims Adjustment Expense": "2.25", "Other Assets": "2.71", "Assets": "7.26", "Investments": "5.68", "Expenses": "7.70", "Comprehensive Net Income": "-1.96", "Benefits Losses And Expenses": "6.34", "Costs And Expenses": "3.05", "Other Expenses": "4.41", "Net Investment Income": "3.42", "Revenues": "-20.8", "Premiums Earned Net": "-37.6", "Operating Revenue": "-3.32", "Other Revenues": "6.57", "Other Compr. Net Income": "-2.87", "Economic Capital Ratio": "-14.5" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000850141_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "94,700", "Deferred Policy Acquisition Costs": "248,000", "Goodwill": "43,500", "Intangible Assets": "145,400", "Investments": "7,449,500", "Liability For Claims And Claims Adjustment Expense": "425,900", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "10,272,400", "Net Investment Income": "422,500", "Operating Expenses": "0", "Operating Revenue": "-11,000", "Other Assets": "3,056,500", "Other Compr. Net Income": "-74,600", "Other Expenses": "474,900", "Other Liabilities": "1,623,100", "Other Net Income": "0", "Other Revenues": "918,600", "Policyholder Benefits And Claims Incurred Net": "617,700", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "255,100" }, "output_variables": { "Liabilities": "12,576,500", "Assets": "14,383,900", "Expenses": "1,187,300", "Revenues": "1,330,100", "Stockholders Equity": "1,807,400", "Net Income": "142,800", "Comprehensive Net Income": "68,200", "BaseVar": "19,454,760", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "21%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "98,700", "Deferred Policy Acquisition Costs": "433,100", "Goodwill": "54,300", "Intangible Assets": "185,200", "Investments": "6,587,600", "Liability For Claims And Claims Adjustment Expense": "585,100", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "10,009,300", "Net Investment Income": "400,900", "Operating Expenses": "0", "Operating Revenue": "-56,500", "Other Assets": "3,394,300", "Other Compr. Net Income": "-646,200", "Other Expenses": "525,200", "Other Liabilities": "1,500,000", "Other Net Income": "0", "Other Revenues": "1,038,500", "Policyholder Benefits And Claims Incurred Net": "761,600", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "264,200" }, "output_variables": { "Liabilities": "12,358,600", "Assets": "13,446,800", "Expenses": "1,385,500", "Revenues": "1,382,900", "Stockholders Equity": "1,088,200", "Net Income": "-2,600", "Comprehensive Net Income": "-648,800", "BaseVar": "20,773,353", "ECR before LimitedLiability": "-17%", "Economic Capital Ratio": "7.8%" } } }, "top_rated": false, "trend": -26.0, "value": 0.07769760744999675, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000850141.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000850141.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000850141.svg" }, { "company_id": "0000819913", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000819913.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000819913.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000819913.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000819913_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000819913_main_keyfigs.svg", "name": "Hallmark Financial Services INC", "rank": 52, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000819913.svg", "report_text": "The relative strengths and weaknesses of Hallmark Financial Services INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Hallmark Financial Services INC compared to the market average is the variable Other Expenses, increasing the Economic Capital Ratio by 2.9% points.The greatest weakness of Hallmark Financial Services INC is the variable Revenues, reducing the Economic Capital Ratio by 21% points.

The company's Economic Capital Ratio, given in the ranking table, is 3.0%, being 19% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000819913_2023_Hallmark_Financial_Services_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-5.09", "Stockholders Equity": "-7.46", "ECR before LimitedLiability": "-8.80", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-23.1", "Other Liabilities": "9.27", "Unearned Premiums": "-4.74", "Liability For Claims And Claims Adjustment Expense": "9.57", "Investments": "-10.5", "Other Assets": "-7.56", "Prepaid Reinsurance Premiums": "3.82", "Cash And Cash Equivalents At Carrying Value": "9.33", "Deferred Policy Acquisition Cost Amortization Expense": "5.66", "Economic Capital Ratio": "-17.7", "Other Expenses": "12.4", "Costs And Expenses": "9.30", "Policyholder Benefits And Claims Incurred Net": "-42.0", "Other Compr. Net Income": "3.80", "Other Revenues": "-7.04", "Operating Revenue": "-14.3", "Premiums Earned Net": "15.8" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-8.18", "Liabilities": "-8.10", "Stockholders Equity": "-3.45", "ECR before LimitedLiability": "-6.84", "Unearned Premiums": "-1.75", "Other Assets": "-2.23", "Assets": "2.84", "Prepaid Reinsurance Premiums": "2.15", "Expenses": "2.23", "Revenues": "-20.8", "Net Income": "-8.07", "Costs And Expenses": "1.82", "Policyholder Benefits And Claims Incurred Net": "-14.1", "Other Expenses": "2.93", "Premiums Earned Net": "-6.74", "Operating Revenue": "-3.84", "Other Revenues": "-4.16", "Comprehensive Net Income": "-5.39", "Other Compr. Net Income": "2.00", "Economic Capital Ratio": "-19.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000819913_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "112,467", "Cash And Cash Equivalents At Carrying Value": "352,867", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "6,811", "Goodwill": "0", "Intangible Assets": "819", "Investments": "338,768", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "816,681", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "1,069", "Other Assets": "67,315", "Other Compr. Net Income": "-1,418", "Other Expenses": "7,988", "Other Liabilities": "159,061", "Other Net Income": "0", "Other Revenues": "24,344", "Policyholder Benefits And Claims Incurred Net": "275,244", "Premiums Earned Net": "379,290", "Premiums Receivable At Carrying Value": "90,621", "Prepaid Reinsurance Premiums": "146,433", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "117,908", "Unearned Premiums": "284,427" }, "output_variables": { "Liabilities": "1,378,077", "Assets": "1,553,598", "Expenses": "395,699", "Revenues": "404,703", "Stockholders Equity": "175,521", "Net Income": "9,004", "Comprehensive Net Income": "7,586", "BaseVar": "3,314,033", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "21%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "71,892", "Cash And Cash Equivalents At Carrying Value": "59,133", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "8.0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "454,796", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "880,869", "Net Investment Income": "13,454", "Operating Expenses": "0", "Operating Revenue": "3.0", "Other Assets": "128,900", "Other Compr. Net Income": "-7,457", "Other Expenses": "13,783", "Other Liabilities": "173,898", "Other Net Income": "26,817", "Other Revenues": "-1,463", "Policyholder Benefits And Claims Incurred Net": "209,170", "Premiums Earned Net": "147,924", "Premiums Receivable At Carrying Value": "78,355", "Prepaid Reinsurance Premiums": "237,086", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "128,950", "Unearned Premiums": "292,691" }, "output_variables": { "Liabilities": "1,476,408", "Assets": "1,536,702", "Expenses": "294,845", "Revenues": "159,918", "Stockholders Equity": "60,294", "Net Income": "-108,110", "Comprehensive Net Income": "-115,567", "BaseVar": "2,633,785", "ECR before LimitedLiability": "-33%", "Economic Capital Ratio": "3.0%" } } }, "top_rated": false, "trend": -26.0, "value": 0.029983044336916644, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000819913.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000819913.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000819913.svg" }, { "company_id": "0001598665", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001598665.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001598665.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001598665.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001598665_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001598665_main_keyfigs.svg", "name": "Heritage Insurance Holdings Inc", "rank": 53, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001598665.svg", "report_text": "The relative strengths and weaknesses of Heritage Insurance Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Heritage Insurance Holdings Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 2.1% points.The greatest weakness of Heritage Insurance Holdings Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 29% points.

The company's Economic Capital Ratio, given in the ranking table, is 2.2%, being 20% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001598665_2023_Heritage_Insurance_Holdings_Inc.pdf", "shrinked_graph_json": { "2021": { "Investments": "-6.78", "Assets": "-8.38", "ECR before LimitedLiability": "-19.0", "Prepaid Reinsurance Premiums": "2.60", "Other Assets": "-8.04", "Cash And Cash Equivalents At Carrying Value": "3.12", "Expenses": "-19.4", "Revenues": "2.80", "Net Income": "-13.5", "Other Expenses": "-9.85", "Costs And Expenses": "4.79", "Policyholder Benefits And Claims Incurred Net": "-48.4", "Benefits Losses And Expenses": "7.32", "Premiums Earned Net": "10.3", "Other Revenues": "-9.17", "Operating Revenue": "-14.5", "Comprehensive Net Income": "-11.0", "Economic Capital Ratio": "-27.9", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3.34", "Unearned Premiums": "-6.42", "Other Liabilities": "4.71" }, "2022": { "Liabilities": "-2.51", "Stockholders Equity": "-4.73", "ECR before LimitedLiability": "-7.67", "Unearned Premiums": "-2.29", "Liability For Claims And Claims Adjustment Expense": "-3.85", "Expenses": "-3.27", "Net Income": "-7.21", "Benefits Losses And Expenses": "2.02", "Costs And Expenses": "1.71", "Policyholder Benefits And Claims Incurred Net": "-29.3", "Revenues": "-2.00", "Premiums Earned Net": "2.12", "Operating Revenue": "-5.26", "Other Revenues": "-4.59", "Other Assets": "-5.18", "Prepaid Reinsurance Premiums": "1.38", "Investments": "-3.89", "Comprehensive Net Income": "-3.91", "Other Compr. Net Income": "1.40", "Economic Capital Ratio": "-20.1" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001598665_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "65,787", "Cash And Cash Equivalents At Carrying Value": "359,337", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "93,881", "Goodwill": "91,959", "Intangible Assets": "55,926", "Investments": "694,698", "Liability For Claims And Claims Adjustment Expense": "590,166", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "120,757", "Net Investment Income": "5,652", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "60,346", "Other Compr. Net Income": "-10,630", "Other Expenses": "213,131", "Other Liabilities": "144,641", "Other Net Income": "0", "Other Revenues": "14,838", "Policyholder Benefits And Claims Incurred Net": "427,370", "Premiums Earned Net": "611,071", "Premiums Receivable At Carrying Value": "71,925", "Prepaid Reinsurance Premiums": "265,873", "Property Plant And Equipment Net": "17,426", "Reinsurance Payable": "191,728", "Unearned Premiums": "590,419" }, "output_variables": { "Liabilities": "1,637,711", "Assets": "1,980,762", "Expenses": "706,288", "Revenues": "631,561", "Stockholders Equity": "343,051", "Net Income": "-74,727", "Comprehensive Net Income": "-85,357", "BaseVar": "4,917,481", "ECR before LimitedLiability": "-8.5%", "Economic Capital Ratio": "10%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "70,396", "Cash And Cash Equivalents At Carrying Value": "280,881", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "99,617", "Goodwill": "0", "Intangible Assets": "49,575", "Investments": "653,570", "Liability For Claims And Claims Adjustment Expense": "1,131,807", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "128,943", "Net Investment Income": "11,977", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "78,443", "Other Compr. Net Income": "-49,012", "Other Expenses": "245,265", "Other Liabilities": "144,367", "Other Net Income": "0", "Other Revenues": "13,418", "Policyholder Benefits And Claims Incurred Net": "501,162", "Premiums Earned Net": "637,065", "Premiums Receivable At Carrying Value": "92,749", "Prepaid Reinsurance Premiums": "306,977", "Property Plant And Equipment Net": "25,729", "Reinsurance Payable": "199,803", "Unearned Premiums": "656,641" }, "output_variables": { "Liabilities": "2,261,561", "Assets": "2,392,600", "Expenses": "816,823", "Revenues": "662,460", "Stockholders Equity": "131,039", "Net Income": "-154,363", "Comprehensive Net Income": "-203,375", "BaseVar": "5,849,800", "ECR before LimitedLiability": "-36%", "Economic Capital Ratio": "2.2%" } } }, "top_rated": false, "trend": -22.0, "value": 0.02163998203400088, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001598665.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001598665.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001598665.svg" }, { "company_id": "0001502292", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001502292.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001502292.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001502292.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001502292_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001502292_main_keyfigs.svg", "name": "Conifer Holdings Inc", "rank": 54, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001502292.svg", "report_text": "The relative strengths and weaknesses of Conifer Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Conifer Holdings Inc compared to the market average is the variable Benefits Losses And Expenses, increasing the Economic Capital Ratio by 2.2% points.The greatest weakness of Conifer Holdings Inc is the variable Other Expenses, reducing the Economic Capital Ratio by 48% points.

The company's Economic Capital Ratio, given in the ranking table, is 2.2%, being 20% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001502292_2023_Conifer_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "-4.96", "Assets": "-4.24", "Stockholders Equity": "-5.39", "ECR before LimitedLiability": "-7.68", "Investments": "-1.02", "Deferred Policy Acquisition Cost Amortization Expense": "-7.57", "Expenses": "-2.40", "Net Income": "-2.29", "Benefits Losses And Expenses": "2.15", "Costs And Expenses": "1.79", "Policyholder Benefits And Claims Incurred Net": "2.15", "Other Expenses": "-47.9", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0.992", "Unearned Premiums": "-1.09", "Liability For Claims And Claims Adjustment Expense": "-4.57", "Other Liabilities": "1.11", "Comprehensive Net Income": "-3.05", "Premiums Earned Net": "2.15", "Operating Revenue": "-6.69", "Other Revenues": "-2.83", "Economic Capital Ratio": "-20.1" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001502292_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "28,035", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "22,179", "Deferred Policy Acquisition Costs": "10,290", "Goodwill": "0", "Intangible Assets": "0", "Investments": "137,397", "Liability For Claims And Claims Adjustment Expense": "165,539", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "33,876", "Net Investment Income": "3,043", "Operating Expenses": "0", "Operating Revenue": "-1,505", "Other Assets": "98,427", "Other Compr. Net Income": "-16,093", "Other Expenses": "93,759", "Other Liabilities": "19,954", "Other Net Income": "368", "Other Revenues": "6,640", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "96,711", "Premiums Receivable At Carrying Value": "21,802", "Prepaid Reinsurance Premiums": "16,399", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "6,144", "Unearned Premiums": "67,887" }, "output_variables": { "Liabilities": "293,400", "Assets": "312,350", "Expenses": "115,938", "Revenues": "104,889", "Stockholders Equity": "18,950", "Net Income": "-10,681", "Comprehensive Net Income": "-26,774", "BaseVar": "849,824", "ECR before LimitedLiability": "-36%", "Economic Capital Ratio": "2.2%" } } }, "top_rated": false, "trend": null, "value": 0.02159055738776624, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001502292.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001502292.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001502292.svg" }, { "company_id": "0001224608", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001224608.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001224608.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001224608.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001224608_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001224608_main_keyfigs.svg", "name": "CNO Financial Group Inc", "rank": 55, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001224608.svg", "report_text": "The relative strengths and weaknesses of CNO Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of CNO Financial Group Inc compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 0.60% points.The greatest weakness of CNO Financial Group Inc is the variable Revenues, reducing the Economic Capital Ratio by 11% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.60%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001224608_2023_CNO_Financial_Group_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-23.5", "Assets": "12.5", "ECR before LimitedLiability": "-6.67", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-58.8", "Other Liabilities": "2.74", "Unearned Premiums": "3.60", "Liability For Claims And Claims Adjustment Expense": "8.07", "Investments": "19.0", "Other Assets": "-4.92", "Deferred Policy Acquisition Cost Amortization Expense": "3.49", "Expenses": "15.7", "Revenues": "-22.0", "Comprehensive Net Income": "2.60", "Other Expenses": "11.0", "Costs And Expenses": "6.77", "Policyholder Benefits And Claims Incurred Net": "-4.13", "Benefits Losses And Expenses": "7.63", "Premiums Earned Net": "-15.1", "Other Revenues": "7.21", "Operating Revenue": "-9.56", "Economic Capital Ratio": "-15.6" }, "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-10.6", "Liabilities": "-4.81", "Stockholders Equity": "-1.41", "ECR before LimitedLiability": "-9.24", "Liability For Claims And Claims Adjustment Expense": "0.352", "Other Assets": "-1.53", "Assets": "0.591", "Cash And Cash Equivalents At Carrying Value": "-0.311", "Investments": "0.599", "Expenses": "0.600", "Revenues": "-10.7", "Net Income": "0.445", "Benefits Losses And Expenses": "0.484", "Costs And Expenses": "0.442", "Other Expenses": "0.591", "Net Investment Income": "-0.395", "Premiums Earned Net": "-7.52", "Operating Revenue": "-1.72", "Comprehensive Net Income": "-7.80", "Other Compr. Net Income": "-10.3", "Economic Capital Ratio": "-21.7" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001224608_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "987,300", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "1,112,000", "Goodwill": "0", "Intangible Assets": "0", "Investments": "28,926,100", "Liability For Claims And Claims Adjustment Expense": "501,800", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "25,364,300", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "21,300", "Other Assets": "6,162,400", "Other Compr. Net Income": "-239,000", "Other Expenses": "503,200", "Other Liabilities": "4,831,900", "Other Net Income": "0", "Other Revenues": "1,577,500", "Policyholder Benefits And Claims Incurred Net": "2,190,700", "Premiums Earned Net": "2,523,400", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "246,700" }, "output_variables": { "Liabilities": "30,944,700", "Assets": "36,204,400", "Expenses": "3,681,200", "Revenues": "4,122,200", "Stockholders Equity": "5,259,700", "Net Income": "441,000", "Comprehensive Net Income": "202,000", "BaseVar": "52,112,282", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "23%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "954,600", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "1,913,400", "Goodwill": "0", "Intangible Assets": "0", "Investments": "24,342,400", "Liability For Claims And Claims Adjustment Expense": "456,500", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "26,670,100", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "-17,900", "Other Assets": "7,080,700", "Other Compr. Net Income": "-4,040,200", "Other Expenses": "567,100", "Other Liabilities": "4,576,800", "Other Net Income": "0", "Other Revenues": "1,094,900", "Policyholder Benefits And Claims Incurred Net": "1,658,300", "Premiums Earned Net": "2,499,800", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "235,000" }, "output_variables": { "Liabilities": "31,938,400", "Assets": "33,339,200", "Expenses": "3,180,000", "Revenues": "3,576,800", "Stockholders Equity": "1,400,800", "Net Income": "396,800", "Comprehensive Net Income": "-3,643,400", "BaseVar": "57,525,885", "ECR before LimitedLiability": "-48%", "Economic Capital Ratio": "0.60%" } } }, "top_rated": false, "trend": -31.0, "value": 0.005995153070140412, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001224608.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001224608.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001224608.svg" }, { "company_id": "0000033992", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000033992.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000033992.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000033992.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000033992_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000033992_main_keyfigs.svg", "name": "Kingstone Companies INC", "rank": 56, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000033992.svg", "report_text": "The relative strengths and weaknesses of Kingstone Companies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Kingstone Companies INC compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 0.33% points.The greatest weakness of Kingstone Companies INC is the variable Other Expenses, reducing the Economic Capital Ratio by 67% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.33%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000033992_2023_Kingstone_Companies_INC.pdf", "shrinked_graph_json": { "2022": { "Assets": "-5.51", "Stockholders Equity": "-2.18", "ECR before LimitedLiability": "-9.50", "Other Assets": "-3.73", "Deferred Policy Acquisition Cost Amortization Expense": "0.252", "Expenses": "-7.80", "Revenues": "0.305", "Net Income": "-4.16", "Costs And Expenses": "0.316", "Policyholder Benefits And Claims Incurred Net": "0.334", "Other Expenses": "-67.4", "Premiums Earned Net": "0.334", "Operating Revenue": "-8.15", "Other Revenues": "0.197", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0.225", "Unearned Premiums": "-0.717", "Liability For Claims And Claims Adjustment Expense": "0.279", "Other Liabilities": "-0.762", "Other Net Income": "-0.301", "Comprehensive Net Income": "-4.53", "Economic Capital Ratio": "-21.9" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000033992_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "29,810", "Cash And Cash Equivalents At Carrying Value": "11,958", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "23,819", "Goodwill": "0", "Intangible Assets": "0", "Investments": "179,087", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "25,159", "Net Investment Income": "4,937", "Operating Expenses": "0", "Operating Revenue": "-9,392", "Other Assets": "14,580", "Other Compr. Net Income": "-17,755", "Other Expenses": "122,874", "Other Liabilities": "138,450", "Other Net Income": "0", "Other Revenues": "20,230", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "114,385", "Premiums Receivable At Carrying Value": "13,881", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "10,542", "Reinsurance Payable": "13,062", "Unearned Premiums": "107,493" }, "output_variables": { "Liabilities": "284,163", "Assets": "320,333", "Expenses": "152,684", "Revenues": "130,159", "Stockholders Equity": "36,169", "Net Income": "-22,525", "Comprehensive Net Income": "-40,280", "BaseVar": "995,127", "ECR before LimitedLiability": "-53%", "Economic Capital Ratio": "0.33%" } } }, "top_rated": false, "trend": null, "value": 0.0033426952831466417, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000033992.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000033992.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000033992.svg" }, { "company_id": "0001568651", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001568651.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001568651.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001568651.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001568651_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001568651_main_keyfigs.svg", "name": "Oscar Health Inc", "rank": 57, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001568651.svg", "report_text": "The relative strengths and weaknesses of Oscar Health Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Oscar Health Inc compared to the market average is the variable Premiums Earned Net, increasing the Economic Capital Ratio by 0.30% points.The greatest weakness of Oscar Health Inc is the variable Policyholder Benefits And Claims Incurred Net, reducing the Economic Capital Ratio by 233% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.30%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001568651_2023_Oscar_Health_Inc.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "-16.6", "Assets": "-31.0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "-2.63", "Stockholders Equity": "-5.93", "ECR before LimitedLiability": "-9.54", "Prepaid Reinsurance Premiums": "-0.318", "Premiums Receivable At Carrying Value": "-0.526", "Investments": "-21.8", "Expenses": "-116", "Net Income": "-11.1", "Benefits Losses And Expenses": "0.300", "Policyholder Benefits And Claims Incurred Net": "-233", "Net Investment Income": "-1.32", "Revenues": "0.300", "Premiums Earned Net": "0.300", "Operating Revenue": "-6.90", "Other Revenues": "-8.54", "Other Net Income": "-0.583", "Comprehensive Net Income": "-0.558", "Economic Capital Ratio": "-22.0" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001568651_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "309,783", "Cash And Cash Equivalents At Carrying Value": "1,558,595", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "937,727", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "3,634,201", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "61,047", "Other Assets": "-1,213,437", "Other Compr. Net Income": "-2,767", "Other Expenses": "985,024", "Other Liabilities": "-1,444,374", "Other Net Income": "2,415", "Other Revenues": "31,474", "Policyholder Benefits And Claims Incurred Net": "3,280,798", "Premiums Earned Net": "3,871,117", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "59,888", "Reinsurance Payable": "427,649", "Unearned Premiums": "78,998" }, "output_variables": { "Liabilities": "3,634,201", "Assets": "4,526,601", "Expenses": "4,575,605", "Revenues": "3,963,638", "Stockholders Equity": "892,400", "Net Income": "-609,552", "Comprehensive Net Income": "-612,319", "BaseVar": "23,775,301", "ECR before LimitedLiability": "-54%", "Economic Capital Ratio": "0.30%" } } }, "top_rated": false, "trend": null, "value": 0.0029996212001943993, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001568651.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001568651.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001568651.svg" }, { "company_id": "0001691421", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001691421.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001691421.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001691421.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001691421_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001691421_main_keyfigs.svg", "name": "Lemonade Inc", "rank": 58, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001691421.svg", "report_text": "The relative strengths and weaknesses of Lemonade Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Lemonade Inc compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 0.026% points.The greatest weakness of Lemonade Inc is the variable Other Expenses, reducing the Economic Capital Ratio by 39% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.026%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001691421_2023_Lemonade_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "0.804", "Stockholders Equity": "1.03", "ECR before LimitedLiability": "-28.3", "Unearned Premiums": "-0.733", "Investments": "1.03", "Assets": "1.03", "Other Assets": "0.701", "Prepaid Reinsurance Premiums": "0.795", "Cash And Cash Equivalents At Carrying Value": "-0.647", "Premiums Receivable At Carrying Value": "0.641", "Expenses": "-17.4", "Revenues": "-24.0", "Net Income": "-68.5", "Other Expenses": "-62.0", "Costs And Expenses": "0.804", "Policyholder Benefits And Claims Incurred Net": "1.02", "Premiums Earned Net": "-10.2", "Operating Revenue": "-3.88", "Comprehensive Net Income": "-65.9", "Economic Capital Ratio": "-37.2" }, "2022": { "Other Assets": "-0.0572", "Assets": "0.0255", "Stockholders Equity": "0.0255", "Unearned Premiums": "-0.0245", "ECR before LimitedLiability": "-9.81", "Prepaid Reinsurance Premiums": "0.0227", "Cash And Cash Equivalents At Carrying Value": "-0.0405", "Premiums Receivable At Carrying Value": "0.0227", "Investments": "0.0243", "Expenses": "-7.77", "Revenues": "-5.60", "Net Income": "-35.8", "Benefits Losses And Expenses": "-0.0715", "Costs And Expenses": "0.0239", "Policyholder Benefits And Claims Incurred Net": "0.0255", "Other Expenses": "-39.3", "Premiums Earned Net": "-2.20", "Operating Revenue": "-0.199", "Other Net Income": "-0.0240", "Comprehensive Net Income": "-28.1", "Economic Capital Ratio": "-22.2" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001691421_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "72,600", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "6,200", "Goodwill": "0", "Intangible Assets": "0", "Investments": "801,800", "Liability For Claims And Claims Adjustment Expense": "97,900", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "103,100", "Net Investment Income": "1,900", "Operating Expenses": "0", "Operating Revenue": "4,600", "Other Assets": "324,400", "Other Compr. Net Income": "-5,200", "Other Expenses": "297,100", "Other Liabilities": "113,600", "Other Net Income": "0", "Other Revenues": "44,900", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "77,000", "Premiums Receivable At Carrying Value": "127,000", "Prepaid Reinsurance Premiums": "149,600", "Property Plant And Equipment Net": "11,700", "Reinsurance Payable": "0", "Unearned Premiums": "207,700" }, "output_variables": { "Liabilities": "522,300", "Assets": "1,510,500", "Expenses": "369,700", "Revenues": "128,400", "Stockholders Equity": "988,200", "Net Income": "-241,300", "Comprehensive Net Income": "-246,500", "BaseVar": "2,176,506", "ECR before LimitedLiability": "-44%", "Economic Capital Ratio": "1.0%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "122,300", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "6,900", "Goodwill": "19,000", "Intangible Assets": "32,500", "Investments": "750,100", "Liability For Claims And Claims Adjustment Expense": "256,200", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "136,000", "Net Investment Income": "8,400", "Operating Expenses": "0", "Operating Revenue": "11,800", "Other Assets": "361,700", "Other Compr. Net Income": "-24,200", "Other Expenses": "432,200", "Other Liabilities": "143,700", "Other Net Income": "0", "Other Revenues": "64,100", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "172,400", "Premiums Receivable At Carrying Value": "179,600", "Prepaid Reinsurance Premiums": "164,500", "Property Plant And Equipment Net": "19,600", "Reinsurance Payable": "0", "Unearned Premiums": "288,000" }, "output_variables": { "Liabilities": "823,900", "Assets": "1,690,700", "Expenses": "554,500", "Revenues": "256,700", "Stockholders Equity": "866,800", "Net Income": "-297,800", "Comprehensive Net Income": "-322,000", "BaseVar": "3,182,897", "ECR before LimitedLiability": "-70%", "Economic Capital Ratio": "0.026%" } } }, "top_rated": false, "trend": -24.0, "value": 0.0002553821599205347, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001691421.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001691421.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001691421.svg" }, { "company_id": "0000814585", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0000814585.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0000814585.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000814585.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000814585_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000814585_main_keyfigs.svg", "name": "MBIA INC", "rank": 59, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0000814585.svg", "report_text": "The relative strengths and weaknesses of MBIA INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of MBIA INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 0.0088% points.The greatest weakness of MBIA INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 9.6% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.0088%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0000814585_2023_MBIA_INC.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "-43.2", "Assets": "9.18", "Stockholders Equity": "-9.64", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "1.26", "Other Liabilities": "-93.8", "Unearned Premiums": "0.517", "Liability For Claims And Claims Adjustment Expense": "1.43", "Investments": "-11.2", "Other Assets": "11.1", "Deferred Policy Acquisition Cost Amortization Expense": "0.503", "Expenses": "10.7", "Revenues": "-34.0", "ECR before LimitedLiability": "-18.2", "Costs And Expenses": "1.16", "Policyholder Benefits And Claims Incurred Net": "4.76", "Benefits Losses And Expenses": "4.61", "Premiums Earned Net": "-29.8", "Other Revenues": "1.68", "Operating Revenue": "-7.05", "Economic Capital Ratio": "-27.1" }, "2022": { "Liabilities": "-0.867", "Stockholders Equity": "-0.661", "Other Liabilities": "-9.60", "Other Assets": "0", "Assets": "0", "ECR before LimitedLiability": "-9.83", "Investments": "-0.474", "Expenses": "0", "Net Income": "-0.0466", "Benefits Losses And Expenses": "0", "Policyholder Benefits And Claims Incurred Net": "0", "Net Investment Income": "0", "Revenues": "-9.41", "Premiums Earned Net": "-7.24", "Operating Revenue": "-0.115", "Other Revenues": "0", "Other Net Income": "-0.0334", "Comprehensive Net Income": "-3.24", "Other Compr. Net Income": "-1.23", "Economic Capital Ratio": "-22.2" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0000814585_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "160,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "4,358,000", "Other Compr. Net Income": "-15,000", "Other Expenses": "163,000", "Other Liabilities": "4,996,000", "Other Net Income": "0", "Other Revenues": "189,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "178,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "4,996,000", "Assets": "4,696,000", "Expenses": "163,000", "Revenues": "189,000", "Stockholders Equity": "-300,000", "Net Income": "26,000", "Comprehensive Net Income": "11,000", "BaseVar": "5,691,935", "ECR before LimitedLiability": "-3.3%", "Economic Capital Ratio": "11%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "-41,000", "Other Assets": "3,215,000", "Other Compr. Net Income": "-375,000", "Other Expenses": "218,000", "Other Liabilities": "4,251,000", "Other Net Income": "-54,000", "Other Revenues": "195,000", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "160,000", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "4,251,000", "Assets": "3,375,000", "Expenses": "218,000", "Revenues": "154,000", "Stockholders Equity": "-876,000", "Net Income": "-118,000", "Comprehensive Net Income": "-493,000", "BaseVar": "5,659,305", "ECR before LimitedLiability": "-76%", "Economic Capital Ratio": "0.0088%" } } }, "top_rated": false, "trend": -30.0, "value": 8.763068447247104e-05, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0000814585.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0000814585.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0000814585.svg" }, { "company_id": "0001401521", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001401521.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001401521.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001401521.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001401521_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001401521_main_keyfigs.svg", "name": "American Coastal Insurance Corp", "rank": 60, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001401521.svg", "report_text": "The relative strengths and weaknesses of American Coastal Insurance Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of American Coastal Insurance Corp compared to the market average is the variable Operating Revenue, increasing the Economic Capital Ratio by 0.0024% points.The greatest weakness of American Coastal Insurance Corp is the variable Premiums Earned Net, reducing the Economic Capital Ratio by 11% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.0024%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001401521_2023_American_Coastal_Insurance_Corp.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "-0.0239", "Stockholders Equity": "-0.113", "ECR before LimitedLiability": "-9.83", "Liability For Claims And Claims Adjustment Expense": "-0.0534", "Other Liabilities": "0", "Deferred Policy Acquisition Cost Amortization Expense": "-0.0667", "Expenses": "-0.102", "Revenues": "-2.19", "Net Income": "-8.95", "Benefits Losses And Expenses": "-11.2", "Policyholder Benefits And Claims Incurred Net": "0", "Other Expenses": "0", "Net Investment Income": "0", "Premiums Earned Net": "-11.3", "Operating Revenue": "0", "Other Revenues": "-0.0531", "Other Assets": "-0.0735", "Investments": "-0.148", "Comprehensive Net Income": "-4.70", "Economic Capital Ratio": "-22.2" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001401521_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "700,964", "Cash And Cash Equivalents At Carrying Value": "229,893", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "156,089", "Deferred Policy Acquisition Costs": "58,933", "Goodwill": "59,476", "Intangible Assets": "12,770", "Investments": "432,111", "Liability For Claims And Claims Adjustment Expense": "1,946,938", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "462,626", "Other Assets": "94,250", "Other Compr. Net Income": "-24,305", "Other Expenses": "78,730", "Other Liabilities": "1,012,701", "Other Net Income": "10,395", "Other Revenues": "-7,204", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "86,036", "Prepaid Reinsurance Premiums": "213,028", "Property Plant And Equipment Net": "19,591", "Reinsurance Payable": "59,896", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "3,019,535", "Assets": "2,837,496", "Expenses": "935,783", "Revenues": "455,422", "Stockholders Equity": "-182,039", "Net Income": "-469,966", "Comprehensive Net Income": "-494,271", "BaseVar": "6,215,227", "ECR before LimitedLiability": "-82%", "Economic Capital Ratio": "0.0024%" } } }, "top_rated": false, "trend": null, "value": 2.4440424072285334e-05, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001401521.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001401521.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001401521.svg" }, { "company_id": "0001828105", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001828105.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001828105.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001828105.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001828105_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001828105_main_keyfigs.svg", "name": "Hippo Holdings Inc", "rank": 61, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001828105.svg", "report_text": "The relative strengths and weaknesses of Hippo Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Hippo Holdings Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 0.00041% points.The greatest weakness of Hippo Holdings Inc is the variable Net Income, reducing the Economic Capital Ratio by 29% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.00041%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001828105_2023_Hippo_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "0", "Stockholders Equity": "0", "ECR before LimitedLiability": "-9.84", "Unearned Premiums": "0", "Reinsurance Payable": "0", "Assets": "0", "Other Assets": "0", "Prepaid Reinsurance Premiums": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Premiums Receivable At Carrying Value": "0", "Investments": "-0.276", "Expenses": "-0.451", "Revenues": "-6.76", "Net Income": "-28.6", "Policyholder Benefits And Claims Incurred Net": "0", "Other Expenses": "-14.9", "Premiums Earned Net": "-4.44", "Operating Revenue": "0", "Other Net Income": "0", "Comprehensive Net Income": "-20.9", "Economic Capital Ratio": "-22.2" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001828105_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "71,500", "Cash And Cash Equivalents At Carrying Value": "194,500", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "26,900", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "293,800", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "9,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "751,300", "Other Compr. Net Income": "-13,200", "Other Expenses": "374,700", "Other Liabilities": "133,200", "Other Net Income": "0", "Other Revenues": "68,200", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "42,500", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "309,900", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "207,100", "Unearned Premiums": "341,300" }, "output_variables": { "Liabilities": "975,400", "Assets": "1,568,900", "Expenses": "446,200", "Revenues": "119,700", "Stockholders Equity": "593,500", "Net Income": "-326,500", "Comprehensive Net Income": "-339,700", "BaseVar": "2,606,976", "ECR before LimitedLiability": "-90%", "Economic Capital Ratio": "0.00041%" } } }, "top_rated": false, "trend": null, "value": 4.091255175510049e-06, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001828105.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001828105.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001828105.svg" }, { "company_id": "0001788882", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001788882.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001788882.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001788882.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001788882_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001788882_main_keyfigs.svg", "name": "Root Inc", "rank": 62, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001788882.svg", "report_text": "The relative strengths and weaknesses of Root Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Root Inc compared to the market average is the variable Cash And Cash Equivalents At Carrying Value, increasing the Economic Capital Ratio by 0.000033% points.The greatest weakness of Root Inc is the variable Other Expenses, reducing the Economic Capital Ratio by 40% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.000033%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001788882_2023_Root_Inc.pdf", "shrinked_graph_json": { "2021": { "Liabilities": "0", "ECR before LimitedLiability": "-29.3", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Unearned Premiums": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Investments": "0", "Assets": "0", "Other Assets": "0", "Goodwill": "0", "Deferred Policy Acquisition Costs": "0", "Expenses": "-9.70", "Net Income": "-50.6", "Other Expenses": "-101", "Revenues": "0", "Other Revenues": "0", "Operating Revenue": "0", "Net Investment Income": "0", "Comprehensive Net Income": "-44.6", "Other Net Income": "0", "Economic Capital Ratio": "-38.2" }, "2022": { "Other Assets": "0", "Assets": "0", "Comprehensive Net Income": "-10.8", "ECR before LimitedLiability": "-9.84", "Deferred Policy Acquisition Costs": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Goodwill": "0", "Investments": "-0.120", "Expenses": "-5.77", "Net Income": "-23.1", "Benefits Losses And Expenses": "0", "Policyholder Benefits And Claims Incurred Net": "0", "Other Expenses": "-40.3", "Net Investment Income": "0", "Revenues": "-0.0356", "Operating Revenue": "0", "Other Revenues": "0", "Other Net Income": "0", "Economic Capital Ratio": "-22.3", "Other Liabilities": "0" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001788882_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Benefits Losses And Expenses": "97,600", "Cash And Cash Equivalents At Carrying Value": "706,000", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "134,600", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "5,000", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "74,800", "Other Compr. Net Income": "-5,200", "Other Expenses": "753,000", "Other Liabilities": "569,300", "Other Net Income": "-15,900", "Other Revenues": "30,100", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "310,300", "Premiums Receivable At Carrying Value": "148,100", "Prepaid Reinsurance Premiums": "100,800", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "101,600", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "670,900", "Assets": "1,319,300", "Expenses": "850,600", "Revenues": "345,400", "Stockholders Equity": "648,400", "Net Income": "-521,100", "Comprehensive Net Income": "-526,300", "BaseVar": "3,800,516", "ECR before LimitedLiability": "-198%", "Economic Capital Ratio": "0.0000000000000000000053%" } }, "2022": { "input_variables": { "Benefits Losses And Expenses": "127,400", "Cash And Cash Equivalents At Carrying Value": "762,100", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "133,200", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "295,400", "Net Investment Income": "6,200", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "82,700", "Other Compr. Net Income": "-6,200", "Other Expenses": "481,100", "Other Liabilities": "508,600", "Other Net Income": "0", "Other Revenues": "18,700", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "285,900", "Premiums Receivable At Carrying Value": "111,900", "Prepaid Reinsurance Premiums": "74,200", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "119,800", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "923,800", "Assets": "1,312,900", "Expenses": "608,500", "Revenues": "310,800", "Stockholders Equity": "389,100", "Net Income": "-297,700", "Comprehensive Net Income": "-303,900", "BaseVar": "3,251,628", "ECR before LimitedLiability": "-101%", "Economic Capital Ratio": "0.000033%" } } }, "top_rated": false, "trend": -26.0, "value": 3.3397886500295275e-07, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001788882.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001788882.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001788882.svg" }, { "company_id": "0001832466", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001832466.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001832466.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001832466.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001832466_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001832466_main_keyfigs.svg", "name": "Alignment Healthcare Inc", "rank": 63, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001832466.svg", "report_text": "The relative strengths and weaknesses of Alignment Healthcare Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Alignment Healthcare Inc compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 0.000028% points.The greatest weakness of Alignment Healthcare Inc is the variable Other Expenses, reducing the Economic Capital Ratio by 741% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.000028%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001832466_2023_Alignment_Healthcare_Inc.pdf", "shrinked_graph_json": { "2022": { "Other Assets": "-11.2", "Assets": "-71.7", "Stockholders Equity": "-8.18", "ECR before LimitedLiability": "-9.84", "Prepaid Reinsurance Premiums": "0", "Deferred Policy Acquisition Costs": "0", "Cash And Cash Equivalents At Carrying Value": "-0.0329", "Intangible Assets": "0", "Goodwill": "0", "Premiums Receivable At Carrying Value": "0", "Investments": "-37.8", "Expenses": "-435", "Net Investment Income": "-0.0525", "Net Income": "-11.0", "Benefits Losses And Expenses": "-0.691", "Other Expenses": "-741", "Other Net Income": "-0.114", "Operating Revenue": "-13.9", "Other Revenues": "-15.4", "Economic Capital Ratio": "-22.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001832466_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "295,646", "Cash And Cash Equivalents At Carrying Value": "0", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "390,863", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "52,148", "Other Compr. Net Income": "0", "Other Expenses": "1,267,491", "Other Liabilities": "3,698", "Other Net Income": "-20,661", "Other Revenues": "2,609", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "1,431,550", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "37,169", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "394,561", "Assets": "633,863", "Expenses": "1,563,137", "Revenues": "1,434,159", "Stockholders Equity": "239,302", "Net Income": "-149,639", "Comprehensive Net Income": "-149,639", "BaseVar": "7,470,603", "ECR before LimitedLiability": "-102%", "Economic Capital Ratio": "0.000028%" } } }, "top_rated": false, "trend": null, "value": 2.825747144609635e-07, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001832466.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001832466.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001832466.svg" }, { "company_id": "0001818383", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001818383.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001818383.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001818383.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001818383_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001818383_main_keyfigs.svg", "name": "Mediaalpha Inc", "rank": 64, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001818383.svg", "report_text": "The relative strengths and weaknesses of Mediaalpha Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Mediaalpha Inc compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 0.0000000000000000030% points.The greatest weakness of Mediaalpha Inc is the variable Other Expenses, reducing the Economic Capital Ratio by 721% points.

The company's Economic Capital Ratio, given in the ranking table, is 0%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001818383_2023_Mediaalpha_Inc.pdf", "shrinked_graph_json": { "2022": { "Liabilities": "0", "ECR before LimitedLiability": "-9.84", "Liability For Claims And Claims Adjustment Expense": "0", "Other Liabilities": "0", "Other Assets": "-0.360", "Assets": "-46.7", "Stockholders Equity": "-0.502", "Prepaid Reinsurance Premiums": "0", "Deferred Policy Acquisition Costs": "0", "Cash And Cash Equivalents At Carrying Value": "0", "Premiums Receivable At Carrying Value": "0", "Investments": "-10.3", "Expenses": "-325", "Net Income": "-0.0942", "Other Expenses": "-721", "Net Investment Income": "0", "Comprehensive Net Income": "0", "Premiums Earned Net": "-318", "Other Revenues": "0", "Economic Capital Ratio": "-22.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001818383_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "55,556", "Cash And Cash Equivalents At Carrying Value": "14,542", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "47,739", "Intangible Assets": "32,932", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "256,165", "Net Investment Income": "0", "Operating Expenses": "0", "Operating Revenue": "459,072", "Other Assets": "-5,552", "Other Compr. Net Income": "0", "Other Expenses": "541,811", "Other Liabilities": "0", "Other Net Income": "65,849", "Other Revenues": "0", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "0", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "256,165", "Assets": "170,081", "Expenses": "597,367", "Revenues": "459,072", "Stockholders Equity": "-86,084", "Net Income": "-72,446", "Comprehensive Net Income": "-72,446", "BaseVar": "2,799,997", "ECR before LimitedLiability": "-185%", "Economic Capital Ratio": "0.0000000000000000030%" } } }, "top_rated": false, "trend": null, "value": 2.9979019544560507e-20, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001818383.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001818383.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001818383.svg" }, { "company_id": "0001065201", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001065201.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001065201.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001065201.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001065201_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001065201_main_keyfigs.svg", "name": "Amerinst Insurance Group Ltd", "rank": 65, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001065201.svg", "report_text": "The relative strengths and weaknesses of Amerinst Insurance Group Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Amerinst Insurance Group Ltd compared to the market average is the variable Cash And Cash Equivalents At Carrying Value, increasing the Economic Capital Ratio by 0.0000000000000000000000000000011% points.The greatest weakness of Amerinst Insurance Group Ltd is the variable Other Expenses, reducing the Economic Capital Ratio by 249% points.

The company's Economic Capital Ratio, given in the ranking table, is 0%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001065201_2023_Amerinst_Insurance_Group_Ltd.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Liabilities": "0", "ECR before LimitedLiability": "-9.84", "Unearned Premiums": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Other Assets": "0", "Assets": "0", "Prepaid Reinsurance Premiums": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Premiums Receivable At Carrying Value": "0", "Investments": "0", "Expenses": "-32.0", "Net Income": "-29.1", "Other Expenses": "-249", "Net Investment Income": "0", "Comprehensive Net Income": "-6.51", "Premiums Earned Net": "-5.85", "Operating Revenue": "0", "Economic Capital Ratio": "-22.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001065201_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "0", "Cash And Cash Equivalents At Carrying Value": "2,414", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "0", "Intangible Assets": "0", "Investments": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "8.5", "Operating Expenses": "0", "Operating Revenue": "0", "Other Assets": "1,024", "Other Compr. Net Income": "0", "Other Expenses": "4,201", "Other Liabilities": "2,347", "Other Net Income": "0", "Other Revenues": "2,262", "Policyholder Benefits And Claims Incurred Net": "0", "Premiums Earned Net": "0", "Premiums Receivable At Carrying Value": "0", "Prepaid Reinsurance Premiums": "0", "Property Plant And Equipment Net": "644", "Reinsurance Payable": "0", "Unearned Premiums": "0" }, "output_variables": { "Liabilities": "2,347", "Assets": "4,082", "Expenses": "4,201", "Revenues": "2,271", "Stockholders Equity": "1,736", "Net Income": "-1,931", "Comprehensive Net Income": "-1,931", "BaseVar": "18,133", "ECR before LimitedLiability": "-239%", "Economic Capital Ratio": "0.0000000000000000000000000000011%" } } }, "top_rated": false, "trend": null, "value": 1.0649856217208612e-32, "company_index": "https://www.realrate-archive.com/us_non_life/2022/industry_indexes/0001065201.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2022/analytics/equity/0001065201.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2022/analytics/profit_loss/0001065201.svg" }, { "company_id": "0001722438", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2022/feature_distribution/feature_distribution_0001722438.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2022/graphs/IME_0001722438.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001722438.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001722438_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001722438_main_keyfigs.svg", "name": "Doma Holdings Inc", "rank": 66, "regression_plot": "https://www.realrate-archive.com/us_non_life/2022/backtesting_correlation/regression_0001722438.svg", "report_text": "The relative strengths and weaknesses of Doma Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Doma Holdings Inc compared to the market average is the variable Policyholder Benefits And Claims Incurred Net, increasing the Economic Capital Ratio by 0.00000000000000000000000000000000000000000000000000000000000000000000000000000000000032% points.The greatest weakness of Doma Holdings Inc is the variable Expenses, reducing the Economic Capital Ratio by 76% points.

The company's Economic Capital Ratio, given in the ranking table, is 0%, being 22% points below the market average of 22%.", "report_url": "https://www.realrate-archive.com/us_non_life/2022/report/0001722438_2023_Doma_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Liabilities": "0", "ECR before LimitedLiability": "-9.84", "Unearned Premiums": "0", "Liability For Claims And Claims Adjustment Expense": "0", "Other Assets": "0", "Assets": "0", "Prepaid Reinsurance Premiums": "0", "Deferred Policy Acquisition Costs": "0", "Premiums Receivable At Carrying Value": "0", "Investments": "0", "Expenses": "-76.2", "Net Income": "-10.5", "Benefits Losses And Expenses": "-0.759", "Operating Expenses": "-0.215", "Stockholders Equity": "0", "Net Investment Income": "0", "Comprehensive Net Income": "0", "Premiums Earned Net": "-0.557", "Economic Capital Ratio": "-22.3" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2022/plot_over_time/0001722438_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Benefits Losses And Expenses": "353,158", "Cash And Cash Equivalents At Carrying Value": "78,450", "Costs And Expenses": "0", "Deferred Policy Acquisition Cost Amortization Expense": "0", "Deferred Policy Acquisition Costs": "0", "Goodwill": "46,280", "Intangible Assets": "0", "Investments": "148,879", "Liability For Claims And Claims Adjustment Expense": "0", "Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense": "0", "Net Investment Income": "0", "Operating Expenses": "261,476", "Operating Revenue": "52,008", "Other Assets": "65,516", "Other Compr. 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