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"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 Liabilities, increasing the Economic Capital Ratio by 34% points.The greatest weakness of Elevance Health Inc is the variable Assets, reducing the Economic Capital Ratio by 40% points.
The company's Economic Capital Ratio, given in the ranking table, is 102%, being 15% points above the market average of 87%.",
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"report_text": "The relative strengths and weaknesses of Berkshire Hathaway 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 Berkshire Hathaway INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 28% points.The greatest weakness of Berkshire Hathaway INC is the variable Investments, reducing the Economic Capital Ratio by 22% points.
The company's Economic Capital Ratio, given in the ranking table, is 101%, being 14% points above the market average of 87%.",
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The greatest strength of Humana INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 33% points.The greatest weakness of Humana INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 51% points.
The company's Economic Capital Ratio, given in the ranking table, is 97%, being 9.9% points above the market average of 87%.",
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"name": "Unitedhealth Group INC",
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"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 Liabilities, increasing the Economic Capital Ratio by 30% points.The greatest weakness of Unitedhealth Group INC is the variable Assets, reducing the Economic Capital Ratio by 46% points.
The company's Economic Capital Ratio, given in the ranking table, is 96%, being 9.3% points above the market average of 87%.",
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{
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"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 Other Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Loews CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 21% points.
The company's Economic Capital Ratio, given in the ranking table, is 89%, being 2.1% points above the market average of 87%.",
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"Reinsurance Recoverables": "0",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
"Separate Account Asset": "423,000",
"Unearned Premiums": "3,274,000"
},
"output_variables": {
"Assets": "74,070,000",
"Liabilities": "52,985,000",
"Expenses": "12,732,000",
"Revenues": "14,117,000",
"Stockholders Equity": "21,085,000",
"Net Income": "1,383,000",
"Comprehensive Net Income": "2,611,500",
"BaseVar": "471,716,915",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "89%"
}
}
},
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"limited_liability_put_option": 47780867597.926094,
"fair_value": 56422189817.56059,
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},
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"analysing_equity": "https://www.realrate-archive.com/us_non_life/2009/analytics/equity/0000060086.svg",
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},
{
"company_id": "0000080661",
"feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2009/feature_distribution/feature_distribution_0000080661.svg",
"graph_url": "https://www.realrate-archive.com/us_non_life/2009/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/2009/plot_over_time/0000080661_main_keyfigs.svg",
"name": "Progressive CORP OH",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_non_life/2009/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 Liabilities, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Progressive CORP OH is the variable Assets, reducing the Economic Capital Ratio by 38% points.
The company's Economic Capital Ratio, given in the ranking table, is 88%, being 1.6% points above the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000080661_2010_Progressive_CORP_OH.pdf",
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"Assets": "-37.6",
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"Other Assets": "13.5",
"Assets, Current": "-3.45",
"Reinsurance Recoverables": "-2.12",
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"Investments": "-34.9",
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"Deferred Policy Acquisition Costs": "-3.36",
"Claims Reserve and LAE": "13.4",
"Other Liabilities": "13.2",
"Unearned Premiums": "-7.38",
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"Reinsurance Payable": "0.751",
"Liabilities Current": "2.15",
"Policyholder Contract Deposits": "13.6",
"Economic Capital Ratio": "1.64"
}
},
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"table_records": {
"2009": {
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"Assets, Non-Current": "1,157,000",
"Claims Reserve and LAE": "0",
"Deferred Acquisition Costs Amortization": "1,364,600",
"Deferred Policy Acquisition Costs": "402,200",
"General and Administrative Expense": "1,567,700",
"Insurance Commissions and Fees": "0",
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"Investment Income": "27,100",
"Investments": "0",
"Liabilities Current": "0",
"Long Term Debt": "2,177,200",
"Other Assets": "15,401,200",
"Other Compr. Net Income": "0",
"Other Expenses": "668,900",
"Other Liabilities": "7,950,600",
"Other Net Income": "0",
"Other Revenues": "523,700",
"Policyholder Benefits and Claims": "9,904,900",
"Policyholder Contract Deposits": "0",
"Premiums Earned": "14,012,800",
"Premiums Receivable": "2,454,800",
"Reinsurance Payable": "0",
"Reinsurance Recoverables": "634,100",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
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"Unearned Premiums": "4,172,900"
},
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"Liabilities": "14,300,700",
"Expenses": "13,506,100",
"Revenues": "14,563,600",
"Stockholders Equity": "5,748,600",
"Net Income": "1,057,500",
"Comprehensive Net Income": "1,057,500",
"BaseVar": "408,117,897",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "88%"
}
}
},
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"analysing_equity": "https://www.realrate-archive.com/us_non_life/2009/analytics/equity/0000080661.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2009/analytics/profit_loss/0000080661.svg"
},
{
"company_id": "0000896159",
"feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2009/feature_distribution/feature_distribution_0000896159.svg",
"graph_url": "https://www.realrate-archive.com/us_non_life/2009/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/2009/plot_over_time/0000896159_main_keyfigs.svg",
"name": "Chubb Ltd",
"rank": 7,
"regression_plot": "https://www.realrate-archive.com/us_non_life/2009/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 Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Chubb Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 86%, being 0.32% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000896159_2010_Chubb_Ltd.pdf",
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"Separate Account Asset": "-5.94",
"Investments": "7.35",
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"Reinsurance Payable": "-2.46",
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"Policyholder Contract Deposits": "10.7",
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}
},
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"table_records": {
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"Claims Reserve and LAE": "3,008,000",
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"Deferred Policy Acquisition Costs": "1,445,000",
"General and Administrative Expense": "1,811,000",
"Insurance Commissions and Fees": "0",
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"Investment Income": "0",
"Investments": "46,515,000",
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"Long Term Debt": "3,158,000",
"Other Assets": "22,205,000",
"Other Compr. Net Income": "0",
"Other Expenses": "1,163,000",
"Other Liabilities": "42,453,000",
"Other Net Income": "0",
"Other Revenues": "1,835,000",
"Policyholder Benefits and Claims": "7,422,000",
"Policyholder Contract Deposits": "332,000",
"Premiums Earned": "13,240,000",
"Premiums Receivable": "3,671,000",
"Reinsurance Payable": "3,295,000",
"Reinsurance Recoverables": "1,521,000",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
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"Unearned Premiums": "6,067,000"
},
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"Assets": "77,980,000",
"Liabilities": "58,313,000",
"Expenses": "12,526,000",
"Revenues": "15,075,000",
"Stockholders Equity": "19,667,000",
"Net Income": "2,549,000",
"Comprehensive Net Income": "2,549,000",
"BaseVar": "452,561,542",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "86%"
}
}
},
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"valuation": {
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"analysing_equity": "https://www.realrate-archive.com/us_non_life/2009/analytics/equity/0000896159.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2009/analytics/profit_loss/0000896159.svg"
},
{
"company_id": "0000086312",
"feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2009/feature_distribution/feature_distribution_0000086312.svg",
"graph_url": "https://www.realrate-archive.com/us_non_life/2009/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/2009/plot_over_time/0000086312_main_keyfigs.svg",
"name": "Travelers Companies INC",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_non_life/2009/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 Policyholder Contract Deposits, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Travelers Companies INC is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 86%, being 0.35% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000086312_2010_Travelers_Companies_INC.pdf",
"shrinked_graph_json": {
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"Assets": "0.539",
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"Investments": "7.14",
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"Policyholder Contract Deposits": "10.8",
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}
},
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"table_records": {
"2009": {
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"Claims Reserve and LAE": "53,127,000",
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"Deferred Policy Acquisition Costs": "1,758,000",
"General and Administrative Expense": "3,366,000",
"Insurance Commissions and Fees": "0",
"Intangible Assets": "3,365,000",
"Investment Income": "2,793,000",
"Investments": "74,965,000",
"Liabilities Current": "0",
"Long Term Debt": "0",
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"Other Compr. Net Income": "2,190,000",
"Other Expenses": "5,284,000",
"Other Liabilities": "18,157,000",
"Other Net Income": "0",
"Other Revenues": "469,000",
"Policyholder Benefits and Claims": "12,408,000",
"Policyholder Contract Deposits": "0",
"Premiums Earned": "21,418,000",
"Premiums Receivable": "5,471,000",
"Reinsurance Payable": "0",
"Reinsurance Recoverables": "13,732,000",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
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"Unearned Premiums": "10,861,000"
},
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"Assets": "109,560,000",
"Liabilities": "82,145,000",
"Expenses": "21,058,000",
"Revenues": "24,680,000",
"Stockholders Equity": "27,415,000",
"Net Income": "3,622,000",
"Comprehensive Net Income": "4,717,000",
"BaseVar": "763,373,391",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "86%"
}
}
},
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"valuation_plot": "https://www.realrate-archive.com/us_non_life/2009/valuation/valuation_0000086312.svg",
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"analysing_equity": "https://www.realrate-archive.com/us_non_life/2009/analytics/equity/0000086312.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2009/analytics/profit_loss/0000086312.svg"
},
{
"company_id": "0000005513",
"feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2009/feature_distribution/feature_distribution_0000005513.svg",
"graph_url": "https://www.realrate-archive.com/us_non_life/2009/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/2009/plot_over_time/0000005513_main_keyfigs.svg",
"name": "Unum Group",
"rank": 9,
"regression_plot": "https://www.realrate-archive.com/us_non_life/2009/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 Investments, increasing the Economic Capital Ratio by 5.8% points.The greatest weakness of Unum Group is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 37% points.
The company's Economic Capital Ratio, given in the ranking table, is 81%, being 5.8% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000005513_2010_Unum_Group.pdf",
"shrinked_graph_json": {
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"Assets": "5.41",
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"Reinsurance Recoverables": "3.45",
"Separate Account Asset": "-6.57",
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"Unearned Premiums": "1.24",
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"Policyholder Contract Deposits": "5.44",
"Economic Capital Ratio": "-5.75",
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}
},
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"table_records": {
"2009": {
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"Deferred Acquisition Costs Amortization": "526,200",
"Deferred Policy Acquisition Costs": "2,482,500",
"General and Administrative Expense": "2,449,100",
"Insurance Commissions and Fees": "0",
"Intangible Assets": "201,600",
"Investment Income": "2,358,300",
"Investments": "43,295,400",
"Liabilities Current": "0",
"Long Term Debt": "2,549,600",
"Other Assets": "714,100",
"Other Compr. Net Income": "1,313,500",
"Other Expenses": "-28,500",
"Other Liabilities": "3,572,200",
"Other Net Income": "0",
"Other Revenues": "257,200",
"Policyholder Benefits and Claims": "6,291,600",
"Policyholder Contract Deposits": "1,662,300",
"Premiums Earned": "7,475,500",
"Premiums Receivable": "1,732,400",
"Reinsurance Payable": "0",
"Reinsurance Recoverables": "4,996,900",
"Revenues Y+1": "0",
"Revenues Y+2": "0",
"Revenues Y+3": "0",
"Revenues Y+4": "0",
"Revenues Y+5": "0",
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"Unearned Premiums": "452,000"
},
"output_variables": {
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"Liabilities": "45,976,900",
"Expenses": "9,238,400",
"Revenues": "10,091,000",
"Stockholders Equity": "8,500,100",
"Net Income": "852,600",
"Comprehensive Net Income": "1,509,350",
"BaseVar": "337,732,521",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "81%"
}
}
},
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"valuation": {
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"valuation_plot": "https://www.realrate-archive.com/us_non_life/2009/valuation/valuation_0000005513.svg",
"value": 0.8101217829678768,
"company_index": "https://www.realrate-archive.com/us_non_life/2009/industry_indexes/0000005513.svg",
"analysing_equity": "https://www.realrate-archive.com/us_non_life/2009/analytics/equity/0000005513.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2009/analytics/profit_loss/0000005513.svg"
},
{
"company_id": "0000005272",
"feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2009/feature_distribution/feature_distribution_0000005272.svg",
"graph_url": "https://www.realrate-archive.com/us_non_life/2009/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/2009/plot_over_time/0000005272_main_keyfigs.svg",
"name": "American International Group INC",
"rank": 10,
"regression_plot": "https://www.realrate-archive.com/us_non_life/2009/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 Investments, increasing the Economic Capital Ratio by 4.4% points.The greatest weakness of American International Group INC is the variable Liabilities, reducing the Economic Capital Ratio by 21% points.
The company's Economic Capital Ratio, given in the ranking table, is 79%, being 7.4% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000005272_2010_American_International_Group_INC.pdf",
"shrinked_graph_json": {
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"Assets": "4.34",
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"Assets, Current": "-0.883",
"Reinsurance Recoverables": "0.410",
"Separate Account Asset": "-2.05",
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"Revenues": "96,004,000",
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{
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"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 Other Liabilities, increasing the Economic Capital Ratio by 3.9% points.The greatest weakness of Allstate CORP is the variable Policyholder Contract Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 79%, being 7.5% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000899051_2010_Allstate_CORP.pdf",
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{
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"name": "Aflac INC",
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"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 Investments, increasing the Economic Capital Ratio by 2.8% points.The greatest weakness of Aflac INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 38% points.
The company's Economic Capital Ratio, given in the ranking table, is 78%, being 9.1% points below the market average of 87%.",
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{
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"name": "Hartford Insurance Group INC",
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"report_text": "The relative strengths and weaknesses of Hartford 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 Hartford Insurance Group INC compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 3.0% points.The greatest weakness of Hartford Insurance Group INC is the variable Liabilities, reducing the Economic Capital Ratio by 35% points.
The company's Economic Capital Ratio, given in the ranking table, is 76%, being 10% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0000874766_2010_Hartford_Insurance_Group_INC.pdf",
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{
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"name": "Principal Financial Group Inc",
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"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 Assets, increasing the Economic Capital Ratio by 4.7% points.The greatest weakness of Principal Financial Group Inc is the variable Liabilities, reducing the Economic Capital Ratio by 43% points.
The company's Economic Capital Ratio, given in the ranking table, is 76%, being 11% points below the market average of 87%.",
"report_url": "https://www.realrate-archive.com/us_non_life/2009/report/0001126328_2010_Principal_Financial_Group_Inc.pdf",
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