{"company_details": [{"company_id": "0001584831", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001584831.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Oxbridge RE Holdings Ltd", "rank": 1, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Oxbridge RE Holdings Ltd compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 49% points.The greatest weakness of Oxbridge RE Holdings Ltd is the variable Investments, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 124%, being 32% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001584831_2017_Oxbridge_RE_Holdings_Ltd.pdf", "shrinked_graph_json": {"2014": {"Investments": "1.89", "Assets": "40.1", "Stockholders Equity": "44.0", "ECR before LimitedLiability": "31.5", "Other Assets": "22.1", "Separate Account Asset": "-0.407", "Assets, Current": "2.36", "Premiums Receivable": "1.84", "Reinsurance Recoverables": "-0.356", "Other Liabilities": "7.97", "Liabilities": "-2.91", "Long Term Debt": "1.08", "Policyholder Contract Deposits": "1.08", "Reinsurance Payable": "-14.7", "Unearned Premiums": "-8.15", "Claims Reserve and LAE": "7.46", "Liabilities Current": "0.232", "Expenses": "-0.423", "Policyholder Benefits and Claims": "-0.384", "Economic Capital Ratio": "31.9", "Premiums Earned": "-0.364"}, "2015": {"Separate Account Asset": "-0.477", "Assets": "32.5", "Liabilities": "-0.456", "Stockholders Equity": "39.2", "ECR before LimitedLiability": "28.7", "Other Assets": "43.5", "Assets, Current": "4.53", "Premiums Receivable": "1.76", "Assets, Non-Current": "-0.297", "Investments": "-5.50", "Reinsurance Recoverables": "-0.416", "Policyholder Contract Deposits": "2.46", "Long Term Debt": "1.51", "Other Liabilities": "7.38", "Claims Reserve and LAE": "10.0", "Reinsurance Payable": "-19.0", "Unearned Premiums": "-6.03", "Expenses": "-0.411", "Policyholder Benefits and Claims": "-0.339", "Economic Capital Ratio": "29.0", "Premiums Earned": "-0.531"}, "2016": {"Assets, Current": "5.26", "Assets": "-8.33", "Liabilities": "48.8", "Stockholders Equity": "18.6", "ECR before LimitedLiability": "31.3", "Reinsurance Recoverables": "-1.51", "Intangible Assets": "-0.631", "Deferred Policy Acquisition Costs": "-0.786", "Investments": "-12.8", "Separate Account Asset": "-0.622", "Other Assets": "15.4", "Assets, Non-Current": "-0.998", "Unearned Premiums": "8.32", "Policyholder Contract Deposits": "4.37", "Long Term Debt": "7.07", "Liabilities Current": "0.975", "Other Liabilities": "22.0", "Claims Reserve and LAE": "21.5", "Reinsurance Payable": "-1.19", "Economic Capital Ratio": "31.6", "Policyholder Benefits and Claims": "0.383"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001584831_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "5,317", "Assets, Non-Current": "46", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "431", "Deferred Policy Acquisition Costs": "132", "General and Administrative Expense": "1,128", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "11,838", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "28,280", "Other Compr. Net Income": "17", "Other Expenses": "0", "Other Liabilities": "109", "Other Net Income": "0", "Other Revenues": "740", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,819", "Premiums Receivable": "4,081", "Reinsurance Payable": "7,133", "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": "0", "Unearned Premiums": "5,744"}, "output_variables": {"Assets": "49,694", "Liabilities": "12,986", "Expenses": "1,559", "Revenues": "5,559", "Stockholders Equity": "36,708", "Net Income": "4,000", "Comprehensive Net Income": "4,008", "BaseVar": "192,765", "ECR before LimitedLiability": "56%", "Economic Capital Ratio": "125%"}}, "2015": {"input_variables": {"Assets, Current": "8,584", "Assets, Non-Current": "64", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "344", "Deferred Policy Acquisition Costs": "90", "General and Administrative Expense": "1,435", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "337", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "39,832", "Other Compr. Net Income": "-1,491", "Other Expenses": "0", "Other Liabilities": "176", "Other Net Income": "0", "Other Revenues": "-724", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,767", "Premiums Receivable": "4,117", "Reinsurance Payable": "9,913", "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": "0", "Unearned Premiums": "5,571"}, "output_variables": {"Assets": "52,687", "Liabilities": "15,660", "Expenses": "1,779", "Revenues": "6,380", "Stockholders Equity": "37,027", "Net Income": "4,601", "Comprehensive Net Income": "3,856", "BaseVar": "249,575", "ECR before LimitedLiability": "52%", "Economic Capital Ratio": "122%"}}, "2016": {"input_variables": {"Assets, Current": "12,242", "Assets, Non-Current": "54", "Claims Reserve and LAE": "8,702", "Deferred Acquisition Costs Amortization": "286", "Deferred Policy Acquisition Costs": "88", "General and Administrative Expense": "1,420", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "450", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "34,578", "Other Compr. Net Income": "1,063", "Other Expenses": "0", "Other Liabilities": "204", "Other Net Income": "0", "Other Revenues": "554", "Policyholder Benefits and Claims": "14,775", "Policyholder Contract Deposits": "0", "Premiums Earned": "18,058", "Premiums Receivable": "4,038", "Reinsurance Payable": "1,470", "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": "0", "Unearned Premiums": "3,461"}, "output_variables": {"Assets": "51,000", "Liabilities": "13,837", "Expenses": "16,481", "Revenues": "19,062", "Stockholders Equity": "37,163", "Net Income": "2,581", "Comprehensive Net Income": "3,112", "BaseVar": "767,479", "ECR before LimitedLiability": "55%", "Economic Capital Ratio": "124%"}}}, "top_rated": true, "trend": 1.0, "valuation": {"past_accumulated_profits": 18581500.0, "future_profits": 0.0, "valuation_correction": -805183.7973048193, "limited_liability_put_option": 22540379.592766352, "fair_value": 40316695.795461535, "market_value": 31765367.466713905}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001584831.svg", "value": 1.2436323640964737, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001584831.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001584831.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001584831.svg"}, {"company_id": "0001448893", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001448893.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Essent Group Ltd", "rank": 2, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Essent Group Ltd compared to the market average is the variable Stockholders Equity, increasing the Economic Capital Ratio by 32% points.The greatest weakness of Essent Group Ltd is the variable Unearned Premiums, reducing the Economic Capital Ratio by 3.0% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 123%, being 30% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001448893_2017_Essent_Group_Ltd.pdf", "shrinked_graph_json": {"2014": {"Investments": "-5.58", "Assets": "7.92", "Stockholders Equity": "41.3", "ECR before LimitedLiability": "39.1", "Other Assets": "57.0", "Separate Account Asset": "-0.664", "Assets, Current": "-0.955", "Premiums Receivable": "-0.650", "Reinsurance Recoverables": "-0.581", "Other Liabilities": "12.4", "Liabilities": "27.3", "Long Term Debt": "2.44", "Policyholder Contract Deposits": "2.44", "Reinsurance Payable": "1.24", "Unearned Premiums": "-6.19", "Claims Reserve and LAE": "16.2", "Liabilities Current": "0.528", "Economic Capital Ratio": "39.4", "Policyholder Benefits and Claims": "-0.298", "Premiums Earned": "-0.341", "Other Expenses": "0.621"}, "2015": {"Separate Account Asset": "-0.764", "Assets": "5.94", "Liabilities": "27.5", "Stockholders Equity": "35.8", "ECR before LimitedLiability": "34.4", "Other Assets": "-1.20", "Assets, Current": "-0.990", "Premiums Receivable": "-0.867", "Assets, Non-Current": "-0.333", "Investments": "16.5", "Reinsurance Recoverables": "-0.668", "Policyholder Contract Deposits": "4.93", "Long Term Debt": "3.05", "Other Liabilities": "5.88", "Claims Reserve and LAE": "19.3", "Reinsurance Payable": "1.28", "Unearned Premiums": "-5.49", "Liabilities Current": "0.526", "Economic Capital Ratio": "34.7", "Other Expenses": "0.541", "Premiums Earned": "-0.354"}, "2016": {"Assets, Current": "-1.03", "Assets": "7.64", "Stockholders Equity": "31.7", "ECR before LimitedLiability": "29.5", "Reinsurance Recoverables": "-0.878", "Premiums Receivable": "-1.05", "Investments": "17.7", "Other Assets": "-0.821", "Assets, Non-Current": "-0.382", "Unearned Premiums": "-3.05", "Liabilities": "21.2", "Policyholder Contract Deposits": "2.37", "Long Term Debt": "3.85", "Liabilities Current": "0.523", "Other Liabilities": "-2.76", "Claims Reserve and LAE": "19.6", "Reinsurance Payable": "0.867", "Premiums Earned": "-0.363", "Economic Capital Ratio": "29.7", "Other Expenses": "0.616", "Policyholder Benefits and Claims": "-0.399"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001448893_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "8,609", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "9,597", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "12,285", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,163,255", "Other Compr. Net Income": "6,114", "Other Expenses": "144,662", "Other Liabilities": "68,775", "Other Net Income": "0", "Other Revenues": "3,953", "Policyholder Benefits and Claims": "6,308", "Policyholder Contract Deposits": "0", "Premiums Earned": "223,229", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "156,948"}, "output_variables": {"Assets": "1,181,461", "Liabilities": "225,723", "Expenses": "150,970", "Revenues": "239,467", "Stockholders Equity": "955,738", "Net Income": "88,497", "Comprehensive Net Income": "91,554", "BaseVar": "9,675,334", "ECR before LimitedLiability": "65%", "Economic Capital Ratio": "133%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "12,513", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "11,529", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "19,885", "Investments": "1,276,634", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "168,423", "Other Compr. Net Income": "-4,766", "Other Expenses": "184,054", "Other Liabilities": "148,813", "Other Net Income": "0", "Other Revenues": "6,934", "Policyholder Benefits and Claims": "11,905", "Policyholder Contract Deposits": "0", "Premiums Earned": "326,471", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "201,045"}, "output_variables": {"Assets": "1,469,099", "Liabilities": "349,858", "Expenses": "195,959", "Revenues": "353,290", "Stockholders Equity": "1,119,241", "Net Income": "157,331", "Comprehensive Net Income": "154,948", "BaseVar": "13,275,885", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "128%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "14,573", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "13,400", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "29,824", "Investments": "1,615,102", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "239,923", "Other Compr. Net Income": "-12,156", "Other Expenses": "220,127", "Other Liabilities": "319,609", "Other Net Income": "0", "Other Revenues": "5,727", "Policyholder Benefits and Claims": "15,525", "Policyholder Contract Deposits": "0", "Premiums Earned": "422,707", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "219,616"}, "output_variables": {"Assets": "1,882,998", "Liabilities": "539,225", "Expenses": "235,652", "Revenues": "458,258", "Stockholders Equity": "1,343,773", "Net Income": "222,606", "Comprehensive Net Income": "216,528", "BaseVar": "15,389,144", "ECR before LimitedLiability": "52%", "Economic Capital Ratio": "123%"}}}, "top_rated": true, "trend": -1.0, "valuation": {"past_accumulated_profits": 671886500.0, "future_profits": 0.0, "valuation_correction": -36064484.623995215, "limited_liability_put_option": 847974999.159008, "fair_value": 1483797014.5350127, "market_value": 2660398614.4111013}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001448893.svg", "value": 1.225153104842133, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001448893.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001448893.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001448893.svg"}, {"company_id": "0000720858", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000720858.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0000720858.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000720858.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000720858_256x256.png", "name": "Investors Title CO", "rank": 3, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0000720858.svg", "report_text": "The relative strengths and weaknesses of Investors Title CO 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. <br/><br/>The greatest strength of Investors Title CO compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 45% points.The greatest weakness of Investors Title CO is the variable Assets, reducing the Economic Capital Ratio by 18% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 119%, being 27% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000720858_2017_Investors_Title_CO.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-3.04", "Assets": "-18.8", "Liabilities": "45.9", "Stockholders Equity": "8.94", "ECR before LimitedLiability": "29.2", "Intangible Assets": "-0.962", "Assets, Non-Current": "-1.14", "Other Assets": "-7.49", "Separate Account Asset": "-5.07", "Assets, Current": "1.26", "Premiums Receivable": "-1.40", "Deferred Policy Acquisition Costs": "-1.83", "Investments": "-11.1", "Long Term Debt": "5.28", "Other Liabilities": "35.2", "Unearned Premiums": "19.1", "Policyholder Contract Deposits": "20.3", "Claims Reserve and LAE": "30.5", "Reinsurance Payable": "1.80", "Economic Capital Ratio": "29.4", "Other Revenues": "-0.935"}, "2012": {"Assets": "-20.8", "Liabilities": "46.4", "Stockholders Equity": "5.50", "ECR before LimitedLiability": "29.0", "Separate Account Asset": "-5.90", "Other Assets": "-7.02", "Deferred Policy Acquisition Costs": "-1.55", "Intangible Assets": "-1.11", "Reinsurance Recoverables": "-3.39", "Assets, Non-Current": "-1.11", "Investments": "-14.6", "Premiums Receivable": "-1.14", "Reinsurance Payable": "2.13", "Other Liabilities": "40.0", "Claims Reserve and LAE": "33.7", "Unearned Premiums": "21.9", "Long Term Debt": "6.06", "Policyholder Contract Deposits": "23.2", "Liabilities Current": "1.27", "Economic Capital Ratio": "29.2", "Other Revenues": "-0.949"}, "2013": {"Intangible Assets": "-1.07", "Assets": "-20.4", "Liabilities": "46.8", "Stockholders Equity": "5.07", "ECR before LimitedLiability": "29.9", "Reinsurance Recoverables": "-2.88", "Separate Account Asset": "-6.03", "Investments": "-12.6", "Other Assets": "-9.22", "Premiums Receivable": "-1.86", "Deferred Policy Acquisition Costs": "-1.53", "Liabilities Current": "1.28", "Long Term Debt": "7.86", "Unearned Premiums": "21.3", "Reinsurance Payable": "1.91", "Claims Reserve and LAE": "39.3", "Other Liabilities": "36.1", "Policyholder Contract Deposits": "23.3", "Economic Capital Ratio": "30.2", "Other Revenues": "-1.47", "General and Administrative Expense": "0.983"}, "2014": {"Investments": "-8.86", "Assets": "-18.6", "Liabilities": "47.2", "Stockholders Equity": "-3.61", "ECR before LimitedLiability": "27.8", "Other Assets": "-10.4", "Separate Account Asset": "-2.98", "Assets, Non-Current": "-1.03", "Assets, Current": "-2.29", "Intangible Assets": "-1.05", "Deferred Policy Acquisition Costs": "-1.29", "Premiums Receivable": "-1.85", "Reinsurance Recoverables": "-2.63", "Other Liabilities": "25.7", "Long Term Debt": "7.13", "Policyholder Contract Deposits": "7.13", "Reinsurance Payable": "3.67", "Unearned Premiums": "21.6", "Claims Reserve and LAE": "41.2", "Liabilities Current": "1.58", "Economic Capital Ratio": "28.2"}, "2015": {"Separate Account Asset": "-2.63", "Assets": "-18.9", "Liabilities": "45.3", "Stockholders Equity": "-1.44", "ECR before LimitedLiability": "26.3", "Other Assets": "-9.35", "Premiums Receivable": "-1.93", "Assets, Non-Current": "-0.922", "Investments": "-10.9", "Deferred Policy Acquisition Costs": "-1.54", "Reinsurance Recoverables": "-2.31", "Intangible Assets": "-0.803", "Policyholder Contract Deposits": "12.5", "Long Term Debt": "7.88", "Other Liabilities": "12.5", "Claims Reserve and LAE": "43.4", "Reinsurance Payable": "3.36", "Unearned Premiums": "20.0", "Liabilities Current": "1.39", "Economic Capital Ratio": "26.6", "Other Revenues": "-1.17"}, "2016": {"Assets": "-18.0", "Liabilities": "45.0", "ECR before LimitedLiability": "26.4", "Reinsurance Recoverables": "-2.57", "Intangible Assets": "-1.09", "Premiums Receivable": "-2.08", "Deferred Policy Acquisition Costs": "-1.42", "Investments": "-11.4", "Separate Account Asset": "-1.07", "Other Assets": "-8.09", "Assets, Non-Current": "-0.689", "Unearned Premiums": "20.0", "Policyholder Contract Deposits": "6.34", "Long Term Debt": "10.2", "Liabilities Current": "1.43", "Other Liabilities": "7.11", "Claims Reserve and LAE": "43.8", "Reinsurance Payable": "2.36", "Economic Capital Ratio": "26.6", "General and Administrative Expense": "0.832", "Other Revenues": "-1.41"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000720858_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "18,042", "Assets, Non-Current": "3,553", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "68,654", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "125,701", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,852", "Other Compr. Net Income": "1,820", "Other Expenses": "11,754", "Other Liabilities": "51,446", "Other Net Income": "0", "Other Revenues": "90,685", "Policyholder Benefits and Claims": "3,342", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "6,810", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "157,958", "Liabilities": "51,446", "Expenses": "83,751", "Revenues": "90,685", "Stockholders Equity": "106,512", "Net Income": "6,934", "Comprehensive Net Income": "7,844", "BaseVar": "4,555,633", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}, "2012": {"input_variables": {"Assets, Current": "20,810", "Assets, Non-Current": "3,603", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "81,884", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "130,779", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,689", "Other Compr. Net Income": "1,221", "Other Expenses": "15,933", "Other Liabilities": "56,786", "Other Net Income": "0", "Other Revenues": "115,079", "Policyholder Benefits and Claims": "6,072", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "11,038", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "171,918", "Liabilities": "56,786", "Expenses": "103,888", "Revenues": "115,079", "Stockholders Equity": "115,133", "Net Income": "11,191", "Comprehensive Net Income": "11,801", "BaseVar": "6,515,170", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "119%"}}, "2013": {"input_variables": {"Assets, Current": "23,627", "Assets, Non-Current": "4,326", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "93,293", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "142,764", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "8,840", "Other Compr. Net Income": "2,440", "Other Expenses": "18,734", "Other Liabilities": "59,698", "Other Net Income": "0", "Other Revenues": "126,251", "Policyholder Benefits and Claims": "-572", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "8,750", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "188,306", "Liabilities": "59,698", "Expenses": "111,455", "Revenues": "126,251", "Stockholders Equity": "128,608", "Net Income": "14,797", "Comprehensive Net Income": "16,017", "BaseVar": "4,264,462", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}, "2014": {"input_variables": {"Assets, Current": "15,827", "Assets, Non-Current": "5,461", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "91,247", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "159,411", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "8,797", "Other Compr. Net Income": "1,858", "Other Expenses": "15,450", "Other Liabilities": "60,476", "Other Net Income": "0", "Other Revenues": "121,940", "Policyholder Benefits and Claims": "2,105", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "8,544", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "122,261", "Revenues Y+2": "122,026", "Revenues Y+3": "121,962", "Revenues Y+4": "121,944", "Revenues Y+5": "121,940", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "198,039", "Liabilities": "60,476", "Expenses": "108,802", "Revenues": "121,940", "Stockholders Equity": "137,564", "Net Income": "13,137", "Comprehensive Net Income": "14,067", "BaseVar": "5,391,703", "ECR before LimitedLiability": "90%", "Economic Capital Ratio": "151%"}}, "2015": {"input_variables": {"Assets, Current": "21,790", "Assets, Non-Current": "7,149", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "90,950", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "160,552", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "13,638", "Other Compr. Net Income": "-1,278", "Other Expenses": "20,113", "Other Liabilities": "68,745", "Other Net Income": "0", "Other Revenues": "128,724", "Policyholder Benefits and Claims": "4,753", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "8,393", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "128,311", "Revenues Y+2": "128,613", "Revenues Y+3": "128,695", "Revenues Y+4": "128,718", "Revenues Y+5": "128,724", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "211,522", "Liabilities": "68,745", "Expenses": "115,817", "Revenues": "128,724", "Stockholders Equity": "142,777", "Net Income": "12,907", "Comprehensive Net Income": "12,268", "BaseVar": "5,627,167", "ECR before LimitedLiability": "81%", "Economic Capital Ratio": "144%"}}, "2016": {"input_variables": {"Assets, Current": "27,928", "Assets, Non-Current": "8,753", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "97,422", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "160,854", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "22,748", "Other Compr. Net Income": "-153", "Other Expenses": "24,381", "Other Liabilities": "73,802", "Other Net Income": "0", "Other Revenues": "142,808", "Policyholder Benefits and Claims": "1,705", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "8,654", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "141,618", "Revenues Y+2": "142,484", "Revenues Y+3": "142,723", "Revenues Y+4": "142,789", "Revenues Y+5": "142,808", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "228,938", "Liabilities": "73,802", "Expenses": "123,508", "Revenues": "142,808", "Stockholders Equity": "155,136", "Net Income": "19,300", "Comprehensive Net Income": "19,223", "BaseVar": "5,502,150", "ECR before LimitedLiability": "94%", "Economic Capital Ratio": "153%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 77567977.0, "future_profits": 64977963.883445345, "valuation_correction": -32723.226533759116, "limited_liability_put_option": 89407732.78498338, "fair_value": 231920950.44189495, "market_value": 190526791.6703606}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000720858.svg", "value": 1.1942474186227583, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000720858.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000720858.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000720858.svg"}, {"company_id": "0001371285", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001371285.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001371285.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001371285.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001371285_256x256.png", "name": "Trupanion INC", "rank": 4, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001371285.svg", "report_text": "The relative strengths and weaknesses of Trupanion 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. <br/><br/>The greatest strength of Trupanion INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 39% points.The greatest weakness of Trupanion INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 64% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 107%, being 14% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001371285_2017_Trupanion_INC.pdf", "shrinked_graph_json": {"2014": {"Investments": "-25.2", "Assets": "-28.7", "Liabilities": "41.1", "Stockholders Equity": "-28.6", "ECR before LimitedLiability": "19.1", "Other Assets": "-16.9", "Separate Account Asset": "-5.06", "Assets, Non-Current": "-0.535", "Assets, Current": "37.0", "Deferred Policy Acquisition Costs": "-2.24", "Premiums Receivable": "-4.96", "Reinsurance Recoverables": "-4.48", "Other Liabilities": "37.6", "Long Term Debt": "-3.09", "Policyholder Contract Deposits": "9.50", "Reinsurance Payable": "4.93", "Unearned Premiums": "27.8", "Claims Reserve and LAE": "37.2", "Liabilities Current": "-19.5", "Economic Capital Ratio": "19.4", "Other Revenues": "-1.37"}, "2015": {"Separate Account Asset": "-6.41", "Assets": "-31.5", "Liabilities": "48.0", "Stockholders Equity": "-59.1", "ECR before LimitedLiability": "22.4", "Other Assets": "-19.4", "Assets, Current": "22.5", "Premiums Receivable": "-7.13", "Assets, Non-Current": "-0.864", "Investments": "-28.6", "Deferred Policy Acquisition Costs": "-3.90", "Reinsurance Recoverables": "-5.70", "Policyholder Contract Deposits": "27.7", "Long Term Debt": "17.5", "Other Liabilities": "41.4", "Claims Reserve and LAE": "42.1", "Reinsurance Payable": "7.98", "Unearned Premiums": "39.9", "Liabilities Current": "-31.0", "Economic Capital Ratio": "22.7", "Other Revenues": "-1.58"}, "2016": {"Assets, Current": "31.0", "Assets": "-37.8", "Liabilities": "39.4", "Stockholders Equity": "-64.3", "ECR before LimitedLiability": "13.8", "Reinsurance Recoverables": "-7.68", "Premiums Receivable": "-8.94", "Deferred Policy Acquisition Costs": "-4.44", "Investments": "-34.5", "Separate Account Asset": "-3.39", "Other Assets": "-22.5", "Assets, Non-Current": "-2.17", "Unearned Premiums": "31.4", "Policyholder Contract Deposits": "14.1", "Long Term Debt": "17.6", "Liabilities Current": "-32.0", "Other Liabilities": "32.8", "Claims Reserve and LAE": "34.3", "Reinsurance Payable": "5.39", "Economic Capital Ratio": "14.0", "Other Revenues": "-1.99"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001371285_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "84,655", "Assets, Non-Current": "7,862", "Claims Reserve and LAE": "5,107", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "14,312", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,847", "Investment Income": "0", "Investments": "0", "Liabilities Current": "22,544", "Long Term Debt": "14,992", "Other Assets": "942", "Other Compr. Net Income": "175", "Other Expenses": "44,349", "Other Liabilities": "-3,612", "Other Net Income": "1,487", "Other Revenues": "115,910", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "98,306", "Liabilities": "39,031", "Expenses": "58,661", "Revenues": "115,910", "Stockholders Equity": "59,275", "Net Income": "58,736", "Comprehensive Net Income": "58,824", "BaseVar": "4,055,840", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "113%"}}, "2015": {"input_variables": {"Assets, Current": "53,633", "Assets, Non-Current": "9,719", "Claims Reserve and LAE": "6,274", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "15,558", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,854", "Investment Income": "0", "Investments": "0", "Liabilities Current": "23,617", "Long Term Debt": "511", "Other Assets": "2,711", "Other Compr. Net Income": "-513", "Other Expenses": "45,295", "Other Liabilities": "-4,841", "Other Net Income": "9.0", "Other Revenues": "146,963", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "70,917", "Liabilities": "25,561", "Expenses": "60,853", "Revenues": "146,963", "Stockholders Equity": "45,356", "Net Income": "86,119", "Comprehensive Net Income": "85,862", "BaseVar": "4,698,641", "ECR before LimitedLiability": "44%", "Economic Capital Ratio": "116%"}}, "2016": {"input_variables": {"Assets, Current": "65,387", "Assets, Non-Current": "8,464", "Claims Reserve and LAE": "9,521", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "15,205", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,910", "Investment Income": "0", "Investments": "0", "Liabilities Current": "30,657", "Long Term Debt": "5,601", "Other Assets": "3,584", "Other Compr. Net Income": "125", "Other Expenses": "46,445", "Other Liabilities": "-8,149", "Other Net Income": "58", "Other Revenues": "188,230", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "82,345", "Liabilities": "37,630", "Expenses": "61,650", "Revenues": "188,230", "Stockholders Equity": "44,715", "Net Income": "126,638", "Comprehensive Net Income": "126,700", "BaseVar": "5,081,333", "ECR before LimitedLiability": "34%", "Economic Capital Ratio": "107%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 22357500.0, "future_profits": 0.0, "valuation_correction": -2222142.770069564, "limited_liability_put_option": 43950665.62741798, "fair_value": 64086022.85734841, "market_value": 460748247.75}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001371285.svg", "value": 1.0683229482366896, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001371285.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001371285.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001371285.svg"}, {"company_id": "0001591890", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001591890.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "FG Nexus Inc", "rank": 5, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001591890.svg", "report_text": "The relative strengths and weaknesses of FG Nexus 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. <br/><br/>The greatest strength of FG Nexus Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 30% points.The greatest weakness of FG Nexus Inc is the variable Investments, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 105%, being 13% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001591890_2017_FG_Nexus_Inc.pdf", "shrinked_graph_json": {"2014": {"Investments": "-7.55", "Assets": "1.05", "Liabilities": "26.4", "Stockholders Equity": "24.1", "ECR before LimitedLiability": "25.7", "Other Assets": "-5.62", "Separate Account Asset": "-1.32", "Assets, Non-Current": "-0.559", "Assets, Current": "43.6", "Intangible Assets": "-0.450", "Deferred Policy Acquisition Costs": "0.707", "Premiums Receivable": "-0.483", "Reinsurance Recoverables": "-0.406", "Other Liabilities": "17.4", "Long Term Debt": "2.85", "Policyholder Contract Deposits": "2.85", "Reinsurance Payable": "-1.72", "Unearned Premiums": "-13.3", "Claims Reserve and LAE": "17.4", "Liabilities Current": "0.618", "Economic Capital Ratio": "26.1"}, "2015": {"Separate Account Asset": "-1.93", "Assets": "-10.8", "Liabilities": "35.6", "Stockholders Equity": "9.48", "ECR before LimitedLiability": "18.0", "Other Assets": "-7.77", "Assets, Current": "30.1", "Premiums Receivable": "-1.23", "Assets, Non-Current": "-0.970", "Investments": "-12.9", "Deferred Policy Acquisition Costs": "0.595", "Reinsurance Recoverables": "-0.496", "Intangible Assets": "-0.577", "Policyholder Contract Deposits": "7.09", "Long Term Debt": "4.41", "Other Liabilities": "16.2", "Claims Reserve and LAE": "25.0", "Reinsurance Payable": "-1.47", "Unearned Premiums": "-12.3", "Liabilities Current": "0.766", "Economic Capital Ratio": "18.3"}, "2016": {"Assets, Current": "22.5", "Assets": "-12.3", "Liabilities": "29.8", "Stockholders Equity": "4.09", "ECR before LimitedLiability": "12.3", "Reinsurance Recoverables": "1.33", "Intangible Assets": "-0.914", "Premiums Receivable": "-1.49", "Deferred Policy Acquisition Costs": "0.633", "Investments": "-13.9", "Separate Account Asset": "-0.900", "Other Assets": "-8.37", "Assets, Non-Current": "-1.07", "Unearned Premiums": "-10.6", "Policyholder Contract Deposits": "3.51", "Long Term Debt": "5.69", "Liabilities Current": "0.782", "Other Liabilities": "13.6", "Claims Reserve and LAE": "23.1", "Reinsurance Payable": "-3.33", "Economic Capital Ratio": "12.6"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001591890_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "53,639", "Assets, Non-Current": "519", "Claims Reserve and LAE": "1,211", "Deferred Acquisition Costs Amortization": "4,529", "Deferred Policy Acquisition Costs": "3,091", "General and Administrative Expense": "5,095", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "130", "Investments": "12,712", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "263", "Other Compr. Net Income": "-1.0", "Other Expenses": "2,083", "Other Liabilities": "2,847", "Other Net Income": "0", "Other Revenues": "372", "Policyholder Benefits and Claims": "3,612", "Policyholder Contract Deposits": "0", "Premiums Earned": "18,463", "Premiums Receivable": "2,086", "Reinsurance Payable": "2,559", "Reinsurance Recoverables": "1,924", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "17,703"}, "output_variables": {"Assets": "74,234", "Liabilities": "24,320", "Expenses": "15,319", "Revenues": "18,965", "Stockholders Equity": "49,914", "Net Income": "3,646", "Comprehensive Net Income": "3,646", "BaseVar": "824,956", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "119%"}}, "2015": {"input_variables": {"Assets, Current": "47,957", "Assets, Non-Current": "939", "Claims Reserve and LAE": "2,123", "Deferred Acquisition Costs Amortization": "6,571", "Deferred Policy Acquisition Costs": "4,030", "General and Administrative Expense": "7,253", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "362", "Investments": "21,635", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,202", "Other Compr. Net Income": "-61", "Other Expenses": "5,040", "Other Liabilities": "5,729", "Other Net Income": "0", "Other Revenues": "834", "Policyholder Benefits and Claims": "9,939", "Policyholder Contract Deposits": "0", "Premiums Earned": "25,934", "Premiums Receivable": "2,395", "Reinsurance Payable": "3,283", "Reinsurance Recoverables": "2,925", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "23,442"}, "output_variables": {"Assets": "82,083", "Liabilities": "34,577", "Expenses": "28,803", "Revenues": "27,130", "Stockholders Equity": "47,506", "Net Income": "-1,673", "Comprehensive Net Income": "-1,704", "BaseVar": "1,308,196", "ECR before LimitedLiability": "39%", "Economic Capital Ratio": "111%"}}, "2016": {"input_variables": {"Assets, Current": "43,045", "Assets, Non-Current": "1,038", "Claims Reserve and LAE": "6,971", "Deferred Acquisition Costs Amortization": "8,492", "Deferred Policy Acquisition Costs": "4,389", "General and Administrative Expense": "6,918", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "544", "Investments": "28,396", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,559", "Other Compr. Net Income": "-3.0", "Other Expenses": "463", "Other Liabilities": "6,398", "Other Net Income": "0", "Other Revenues": "1,264", "Policyholder Benefits and Claims": "16,372", "Policyholder Contract Deposits": "0", "Premiums Earned": "30,448", "Premiums Receivable": "2,923", "Reinsurance Payable": "5,302", "Reinsurance Recoverables": "8,499", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "25,821"}, "output_variables": {"Assets": "90,849", "Liabilities": "44,492", "Expenses": "32,245", "Revenues": "32,256", "Stockholders Equity": "46,357", "Net Income": "11", "Comprehensive Net Income": "9.5", "BaseVar": "1,362,932", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "105%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 23178500.0, "future_profits": 0.0, "valuation_correction": -1601532.855649421, "limited_liability_put_option": 49731813.68262936, "fair_value": 71308780.82697994, "market_value": 45239710.672}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001591890.svg", "value": 1.0537646511697112, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001591890.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001591890.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001591890.svg"}, {"company_id": "0000890926", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000890926.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Radian Group INC", "rank": 6, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Radian Group INC compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Radian Group INC is the variable Long Term Debt, reducing the Economic Capital Ratio by 12% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 104%, being 11% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000890926_2017_Radian_Group_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-1.51", "Assets": "-7.00", "Liabilities": "4.03", "Stockholders Equity": "-4.73", "ECR before LimitedLiability": "-7.21", "Intangible Assets": "-0.790", "Assets, Non-Current": "1.00", "Other Assets": "-6.24", "Separate Account Asset": "-4.47", "Assets, Current": "-1.50", "Premiums Receivable": "-2.15", "Deferred Policy Acquisition Costs": "-0.546", "Investments": "7.63", "Long Term Debt": "-5.64", "Other Liabilities": "-12.6", "Unearned Premiums": "1.23", "Policyholder Contract Deposits": "6.94", "Claims Reserve and LAE": "7.63", "Reinsurance Payable": "0.578", "Economic Capital Ratio": "-7.05", "Other Revenues": "-0.410"}, "2012": {"Assets, Current": "-1.21", "Assets": "5.46", "Liabilities": "-17.0", "Stockholders Equity": "-2.52", "ECR before LimitedLiability": "-9.40", "Separate Account Asset": "-3.25", "Other Assets": "-3.21", "Intangible Assets": "-0.547", "Reinsurance Recoverables": "-1.05", "Assets, Non-Current": "2.37", "Investments": "6.21", "Premiums Receivable": "-1.47", "Reinsurance Payable": "0.390", "Other Liabilities": "-25.4", "Claims Reserve and LAE": "5.36", "Unearned Premiums": "-1.59", "Long Term Debt": "-5.30", "Policyholder Contract Deposits": "4.68", "Liabilities Current": "0.232", "Revenues": "0.235", "Economic Capital Ratio": "-9.23"}, "2013": {"Intangible Assets": "-0.495", "Assets": "7.04", "Liabilities": "-18.1", "Revenues": "0.327", "ECR before LimitedLiability": "-7.24", "Assets, Current": "-1.31", "Reinsurance Recoverables": "-0.997", "Separate Account Asset": "-3.14", "Investments": "8.26", "Assets, Non-Current": "2.70", "Other Assets": "-4.54", "Premiums Receivable": "-1.47", "Long Term Debt": "-8.64", "Unearned Premiums": "-3.86", "Reinsurance Payable": "0.328", "Claims Reserve and LAE": "-15.3", "Other Liabilities": "4.40", "Policyholder Contract Deposits": "4.41", "Premiums Earned": "-0.359", "Other Revenues": "0.606", "Economic Capital Ratio": "-7.01"}, "2015": {"Separate Account Asset": "-1.35", "Assets": "7.99", "Liabilities": "1.68", "Stockholders Equity": "11.4", "ECR before LimitedLiability": "7.19", "Assets, Current": "-1.43", "Premiums Receivable": "-1.54", "Assets, Non-Current": "1.67", "Investments": "16.1", "Deferred Policy Acquisition Costs": "-0.776", "Reinsurance Recoverables": "-1.18", "Intangible Assets": "-0.400", "Policyholder Contract Deposits": "3.75", "Long Term Debt": "-14.8", "Other Liabilities": "8.37", "Claims Reserve and LAE": "3.52", "Reinsurance Payable": "0.971", "Unearned Premiums": "-2.46", "Liabilities Current": "0.398", "Economic Capital Ratio": "7.48", "Other Expenses": "0.751"}, "2016": {"Assets, Current": "-1.14", "Assets": "10.5", "Liabilities": "2.11", "Stockholders Equity": "15.0", "ECR before LimitedLiability": "10.6", "Intangible Assets": "-0.516", "Premiums Receivable": "-1.51", "Deferred Policy Acquisition Costs": "-0.681", "Investments": "16.4", "Separate Account Asset": "-0.509", "Other Assets": "-1.01", "Assets, Non-Current": "1.49", "Unearned Premiums": "-2.37", "Policyholder Contract Deposits": "1.90", "Long Term Debt": "-11.6", "Liabilities Current": "0.420", "Other Liabilities": "6.42", "Claims Reserve and LAE": "7.33", "Reinsurance Payable": "-1.38", "Economic Capital Ratio": "10.8", "Other Expenses": "0.549"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000890926_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "35,589", "Assets, Non-Current": "344,610", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "52,763", "Deferred Policy Acquisition Costs": "139,906", "General and Administrative Expense": "175,810", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "5,783,559", "Liabilities Current": "0", "Long Term Debt": "818,584", "Other Assets": "195,116", "Other Compr. Net Income": "0", "Other Expenses": "120,664", "Other Liabilities": "4,018,518", "Other Net Income": "65", "Other Revenues": "1,191,818", "Policyholder Benefits and Claims": "1,296,521", "Policyholder Contract Deposits": "0", "Premiums Earned": "756,025", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "157,985", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "637,372"}, "output_variables": {"Assets": "6,656,765", "Liabilities": "5,474,474", "Expenses": "1,645,758", "Revenues": "1,947,843", "Stockholders Equity": "1,182,291", "Net Income": "302,150", "Comprehensive Net Income": "302,150", "BaseVar": "96,814,761", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "83%"}}, "2012": {"input_variables": {"Assets, Current": "31,555", "Assets, Non-Current": "382,118", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "61,876", "Deferred Policy Acquisition Costs": "88,202", "General and Administrative Expense": "196,672", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "5,152,418", "Liabilities Current": "0", "Long Term Debt": "663,571", "Other Assets": "159,703", "Other Compr. Net Income": "4,853", "Other Expenses": "59,144", "Other Liabilities": "3,854,622", "Other Net Income": "-13", "Other Revenues": "86,426", "Policyholder Benefits and Claims": "959,171", "Policyholder Contract Deposits": "0", "Premiums Earned": "738,982", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "89,204", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "648,682"}, "output_variables": {"Assets": "5,903,200", "Liabilities": "5,166,875", "Expenses": "1,276,863", "Revenues": "825,408", "Stockholders Equity": "736,325", "Net Income": "-451,468", "Comprehensive Net Income": "-449,042", "BaseVar": "66,789,020", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "81%"}}, "2013": {"input_variables": {"Assets, Current": "23,858", "Assets, Non-Current": "390,463", "Claims Reserve and LAE": "2,185,421", "Deferred Acquisition Costs Amortization": "41,664", "Deferred Policy Acquisition Costs": "66,926", "General and Administrative Expense": "284,528", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "108,088", "Investments": "4,931,157", "Liabilities Current": "0", "Long Term Debt": "930,072", "Other Assets": "162,441", "Other Compr. Net Income": "21,090", "Other Expenses": "62,647", "Other Liabilities": "797,682", "Other Net Income": "1.0", "Other Revenues": "-179,995", "Policyholder Benefits and Claims": "567,134", "Policyholder Contract Deposits": "0", "Premiums Earned": "830,894", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "46,846", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "768,871"}, "output_variables": {"Assets": "5,621,691", "Liabilities": "4,682,046", "Expenses": "955,973", "Revenues": "758,987", "Stockholders Equity": "939,645", "Net Income": "-196,985", "Comprehensive Net Income": "-186,440", "BaseVar": "35,083,782", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "82%"}}, "2015": {"input_variables": {"Assets, Current": "46,898", "Assets, Non-Current": "354,420", "Claims Reserve and LAE": "976,399", "Deferred Acquisition Costs Amortization": "20,508", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "-46,641", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "81,537", "Investments": "4,298,686", "Liabilities Current": "0", "Long Term Debt": "1,219,454", "Other Assets": "942,096", "Other Compr. Net Income": "-104,702", "Other Expenses": "643,344", "Other Liabilities": "269,016", "Other Net Income": "3,419", "Other Revenues": "92,135", "Policyholder Benefits and Claims": "76,792", "Policyholder Contract Deposits": "0", "Premiums Earned": "913,842", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,049,457", "Revenues Y+2": "1,102,923", "Revenues Y+3": "1,082,785", "Revenues Y+4": "1,090,376", "Revenues Y+5": "1,087,514", "Separate Account Asset": "0", "Unearned Premiums": "680,300"}, "output_variables": {"Assets": "5,642,100", "Liabilities": "3,145,169", "Expenses": "694,003", "Revenues": "1,087,514", "Stockholders Equity": "2,496,931", "Net Income": "396,930", "Comprehensive Net Income": "344,579", "BaseVar": "46,573,061", "ECR before LimitedLiability": "55%", "Economic Capital Ratio": "124%"}}, "2016": {"input_variables": {"Assets, Current": "52,149", "Assets, Non-Current": "343,835", "Claims Reserve and LAE": "760,269", "Deferred Acquisition Costs Amortization": "23,567", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "155,837", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "111,421", "Investments": "4,462,430", "Liabilities Current": "0", "Long Term Debt": "1,069,537", "Other Assets": "775,322", "Other Compr. Net Income": "-38,815", "Other Expenses": "711,507", "Other Liabilities": "321,859", "Other Net Income": "5,285", "Other Revenues": "201,255", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "921,633", "Premiums Receivable": "0", "Reinsurance Payable": "158,001", "Reinsurance Recoverables": "229,438", "Revenues Y+1": "1,233,480", "Revenues Y+2": "1,234,579", "Revenues Y+3": "1,234,231", "Revenues Y+4": "1,234,352", "Revenues Y+5": "1,234,309", "Separate Account Asset": "0", "Unearned Premiums": "681,222"}, "output_variables": {"Assets": "5,863,174", "Liabilities": "2,990,888", "Expenses": "890,911", "Revenues": "1,234,309", "Stockholders Equity": "2,872,286", "Net Income": "348,683", "Comprehensive Net Income": "329,275", "BaseVar": "47,987,686", "ECR before LimitedLiability": "58%", "Economic Capital Ratio": "127%"}}}, "top_rated": true, "trend": 1.0, "valuation": {"past_accumulated_profits": 1436143000.0, "future_profits": 1115737759.346286, "valuation_correction": -76470.30945042471, "limited_liability_put_option": 3051139183.8135114, "fair_value": 5602943472.850347, "market_value": 3149561314.264518}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000890926.svg", "value": 1.0361221045026223, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000890926.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000890926.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000890926.svg"}, {"company_id": "0000094344", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000094344.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Stewart Information Services CORP", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Stewart Information Services CORP compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 35% points.The greatest weakness of Stewart Information Services CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 65% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 103%, being 10% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000094344_2017_Stewart_Information_Services_CORP.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-9.77", "Assets": "-45.1", "Liabilities": "30.4", "Stockholders Equity": "-46.4", "ECR before LimitedLiability": "7.17", "Intangible Assets": "5.09", "Assets, Non-Current": "-2.46", "Other Assets": "-11.4", "Separate Account Asset": "-15.3", "Assets, Current": "-2.53", "Premiums Receivable": "-5.81", "Deferred Policy Acquisition Costs": "-6.11", "Investments": "-41.1", "Liabilities Current": "1.74", "Long Term Debt": "9.80", "Other Liabilities": "24.6", "Unearned Premiums": "22.2", "Policyholder Contract Deposits": "22.3", "Claims Reserve and LAE": "23.3", "Reinsurance Payable": "3.42", "Economic Capital Ratio": "7.34"}, "2012": {"Assets, Current": "-2.56", "Assets": "-42.6", "Liabilities": "34.1", "Stockholders Equity": "-42.9", "ECR before LimitedLiability": "10.9", "Separate Account Asset": "-15.2", "Other Assets": "-7.53", "Deferred Policy Acquisition Costs": "-4.45", "Intangible Assets": "4.04", "Reinsurance Recoverables": "-9.27", "Assets, Non-Current": "-1.75", "Investments": "-39.4", "Premiums Receivable": "-5.53", "Reinsurance Payable": "3.78", "Other Liabilities": "28.2", "Claims Reserve and LAE": "26.9", "Unearned Premiums": "25.9", "Long Term Debt": "10.5", "Policyholder Contract Deposits": "25.9", "Liabilities Current": "2.26", "Economic Capital Ratio": "11.1"}, "2013": {"Intangible Assets": "4.29", "Assets": "-40.1", "Liabilities": "37.2", "Stockholders Equity": "-43.5", "ECR before LimitedLiability": "14.4", "Assets, Current": "-3.95", "Reinsurance Recoverables": "-7.77", "Separate Account Asset": "-15.0", "Investments": "-36.0", "Other Assets": "-14.8", "Premiums Receivable": "-5.90", "Deferred Policy Acquisition Costs": "-4.29", "Liabilities Current": "2.36", "Long Term Debt": "14.0", "Unearned Premiums": "28.6", "Reinsurance Payable": "3.50", "Claims Reserve and LAE": "29.1", "Other Liabilities": "31.7", "Policyholder Contract Deposits": "28.7", "Economic Capital Ratio": "14.7", "Other Revenues": "-1.53"}, "2014": {"Investments": "-34.0", "Assets": "-38.8", "Liabilities": "36.4", "Stockholders Equity": "-57.8", "ECR before LimitedLiability": "11.5", "Other Assets": "-18.1", "Separate Account Asset": "-8.09", "Assets, Non-Current": "-2.01", "Assets, Current": "-7.24", "Intangible Assets": "4.96", "Deferred Policy Acquisition Costs": "-3.67", "Premiums Receivable": "-5.89", "Reinsurance Recoverables": "-7.20", "Other Liabilities": "31.1", "Long Term Debt": "12.5", "Policyholder Contract Deposits": "12.4", "Reinsurance Payable": "6.54", "Unearned Premiums": "29.4", "Claims Reserve and LAE": "30.1", "Liabilities Current": "2.84", "Economic Capital Ratio": "11.8"}, "2015": {"Separate Account Asset": "-8.33", "Assets": "-41.6", "Liabilities": "36.0", "Stockholders Equity": "-67.2", "ECR before LimitedLiability": "10.2", "Other Assets": "-18.9", "Assets, Current": "-6.63", "Premiums Receivable": "-7.56", "Assets, Non-Current": "-3.21", "Investments": "-37.6", "Deferred Policy Acquisition Costs": "-5.07", "Reinsurance Recoverables": "-7.41", "Intangible Assets": "4.54", "Policyholder Contract Deposits": "25.0", "Long Term Debt": "16.3", "Other Liabilities": "29.1", "Claims Reserve and LAE": "29.8", "Reinsurance Payable": "7.20", "Unearned Premiums": "27.9", "Liabilities Current": "3.02", "Economic Capital Ratio": "10.5"}, "2016": {"Assets, Current": "-5.25", "Assets": "-41.0", "Liabilities": "35.4", "Stockholders Equity": "-64.7", "ECR before LimitedLiability": "10.2", "Reinsurance Recoverables": "-8.12", "Intangible Assets": "2.98", "Premiums Receivable": "-8.01", "Deferred Policy Acquisition Costs": "-4.69", "Investments": "-37.3", "Separate Account Asset": "-3.57", "Other Assets": "-16.8", "Assets, Non-Current": "-2.90", "Unearned Premiums": "27.8", "Policyholder Contract Deposits": "13.1", "Long Term Debt": "20.5", "Liabilities Current": "3.06", "Other Liabilities": "28.4", "Claims Reserve and LAE": "29.9", "Reinsurance Payable": "5.03", "Economic Capital Ratio": "10.4"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000094344_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "140,843", "Assets, Non-Current": "108,533", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,449,976", "Insurance Commissions and Fees": "0", "Intangible Assets": "223,185", "Investment Income": "15,505", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "594,819", "Other Compr. Net Income": "-3,259", "Other Expenses": "34,151", "Other Liabilities": "692,684", "Other Net Income": "0", "Other Revenues": "1,619,401", "Policyholder Benefits and Claims": "142,101", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "88,761", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,156,141", "Liabilities": "692,684", "Expenses": "1,626,228", "Revenues": "1,634,906", "Stockholders Equity": "463,457", "Net Income": "8,678", "Comprehensive Net Income": "7,048", "BaseVar": "83,358,579", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}, "2012": {"input_variables": {"Assets, Current": "208,538", "Assets, Non-Current": "110,943", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,658,027", "Insurance Commissions and Fees": "0", "Intangible Assets": "227,970", "Investment Income": "13,809", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "643,038", "Other Compr. Net Income": "107", "Other Expenses": "-6,621", "Other Liabilities": "710,805", "Other Net Income": "0", "Other Revenues": "1,896,603", "Policyholder Benefits and Claims": "140,029", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "100,688", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,291,177", "Liabilities": "710,805", "Expenses": "1,791,435", "Revenues": "1,910,412", "Stockholders Equity": "580,372", "Net Income": "118,977", "Comprehensive Net Income": "119,030", "BaseVar": "108,615,933", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2013": {"input_variables": {"Assets, Current": "194,289", "Assets, Non-Current": "117,041", "Claims Reserve and LAE": "506,888", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,699,721", "Insurance Commissions and Fees": "0", "Intangible Assets": "244,888", "Investment Income": "15,492", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "665,173", "Other Compr. Net Income": "-25,260", "Other Expenses": "49,357", "Other Liabilities": "156,081", "Other Net Income": "0", "Other Revenues": "1,912,488", "Policyholder Benefits and Claims": "106,318", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "104,667", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,326,058", "Liabilities": "662,969", "Expenses": "1,855,396", "Revenues": "1,927,980", "Stockholders Equity": "663,089", "Net Income": "72,584", "Comprehensive Net Income": "59,954", "BaseVar": "66,660,651", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "104%"}}, "2014": {"input_variables": {"Assets, Current": "200,558", "Assets, Non-Current": "121,863", "Claims Reserve and LAE": "495,395", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,712,033", "Insurance Commissions and Fees": "0", "Intangible Assets": "278,179", "Investment Income": "16,676", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "693,204", "Other Compr. Net Income": "-18,938", "Other Expenses": "44,965", "Other Liabilities": "196,630", "Other Net Income": "0", "Other Revenues": "1,842,256", "Policyholder Benefits and Claims": "80,558", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "98,674", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,860,889", "Revenues Y+2": "1,859,263", "Revenues Y+3": "1,858,986", "Revenues Y+4": "1,858,940", "Revenues Y+5": "1,858,933", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,392,478", "Liabilities": "692,025", "Expenses": "1,837,556", "Revenues": "1,858,933", "Stockholders Equity": "700,453", "Net Income": "21,377", "Comprehensive Net Income": "11,908", "BaseVar": "85,101,655", "ECR before LimitedLiability": "74%", "Economic Capital Ratio": "139%"}}, "2015": {"input_variables": {"Assets, Current": "179,067", "Assets, Non-Current": "114,606", "Claims Reserve and LAE": "462,622", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,873,523", "Insurance Commissions and Fees": "0", "Intangible Assets": "235,797", "Investment Income": "16,846", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "710,446", "Other Compr. Net Income": "-10,746", "Other Expenses": "56,980", "Other Liabilities": "221,837", "Other Net Income": "0", "Other Revenues": "2,048,972", "Policyholder Benefits and Claims": "106,259", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "81,671", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,060,588", "Revenues Y+2": "2,064,965", "Revenues Y+3": "2,065,681", "Revenues Y+4": "2,065,799", "Revenues Y+5": "2,065,818", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,321,587", "Liabilities": "684,459", "Expenses": "2,036,762", "Revenues": "2,065,818", "Stockholders Equity": "637,128", "Net Income": "29,056", "Comprehensive Net Income": "23,683", "BaseVar": "92,818,324", "ECR before LimitedLiability": "79%", "Economic Capital Ratio": "142%"}}, "2016": {"input_variables": {"Assets, Current": "185,772", "Assets, Non-Current": "113,481", "Claims Reserve and LAE": "462,572", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,785,300", "Insurance Commissions and Fees": "0", "Intangible Assets": "227,984", "Investment Income": "18,723", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "742,711", "Other Compr. Net Income": "-22,999", "Other Expenses": "63,223", "Other Liabilities": "230,304", "Other Net Income": "68,421", "Other Revenues": "1,982,110", "Policyholder Benefits and Claims": "91,399", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "71,776", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,001,710", "Revenues Y+2": "2,000,979", "Revenues Y+3": "2,000,855", "Revenues Y+4": "2,000,836", "Revenues Y+5": "2,000,833", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,341,724", "Liabilities": "692,876", "Expenses": "1,939,921", "Revenues": "2,000,833", "Stockholders Equity": "648,848", "Net Income": "129,332", "Comprehensive Net Income": "117,833", "BaseVar": "81,984,649", "ECR before LimitedLiability": "81%", "Economic Capital Ratio": "144%"}}}, "top_rated": true, "trend": -1.0, "valuation": {"past_accumulated_profits": 324424000.0, "future_profits": 499004186.33186495, "valuation_correction": 10884.048314305934, "limited_liability_put_option": 640833598.7694043, "fair_value": 1464272669.1495836, "market_value": 775078149.8173637}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000094344.svg", "value": 1.0324084651600296, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000094344.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000094344.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000094344.svg"}, {"company_id": "0001273813", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001273813.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001273813.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001273813.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001273813_256x256.png", "name": "Assured Guaranty LTD", "rank": 8, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001273813.svg", "report_text": "The relative strengths and weaknesses of Assured Guaranty 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. <br/><br/>The greatest strength of Assured Guaranty LTD compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 26% points.The greatest weakness of Assured Guaranty LTD is the variable Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 101%, being 8.2% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001273813_2017_Assured_Guaranty_LTD.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "0.897", "Assets": "14.6", "Liabilities": "-31.7", "Stockholders Equity": "9.14", "ECR before LimitedLiability": "-2.10", "Intangible Assets": "-0.276", "Assets, Non-Current": "0.154", "Other Assets": "10.9", "Separate Account Asset": "-1.61", "Assets, Current": "-0.614", "Premiums Receivable": "1.85", "Investments": "12.9", "Long Term Debt": "-2.97", "Other Liabilities": "-13.4", "Unearned Premiums": "-20.4", "Policyholder Contract Deposits": "2.76", "Claims Reserve and LAE": "4.37", "Reinsurance Payable": "-0.367", "Expenses": "-0.248", "Policyholder Benefits and Claims": "-0.183", "Economic Capital Ratio": "-1.94"}, "2012": {"Assets, Current": "-0.484", "Assets": "19.4", "Liabilities": "-40.6", "Stockholders Equity": "12.9", "ECR before LimitedLiability": "0.246", "Separate Account Asset": "-1.09", "Other Assets": "11.2", "Intangible Assets": "-0.180", "Reinsurance Recoverables": "0.907", "Assets, Non-Current": "0.443", "Investments": "15.6", "Premiums Receivable": "2.24", "Reinsurance Payable": "-0.656", "Other Liabilities": "-18.2", "Claims Reserve and LAE": "2.96", "Unearned Premiums": "-19.8", "Long Term Debt": "-2.68", "Policyholder Contract Deposits": "1.92", "Economic Capital Ratio": "0.415", "Other Revenues": "0.342", "Investment Income": "-0.290"}, "2013": {"Assets": "17.6", "Liabilities": "-33.2", "Stockholders Equity": "13.4", "ECR before LimitedLiability": "0.788", "Assets, Current": "-0.700", "Reinsurance Recoverables": "0.623", "Separate Account Asset": "-1.47", "Investments": "15.5", "Assets, Non-Current": "0.526", "Other Assets": "8.62", "Premiums Receivable": "1.81", "Long Term Debt": "-2.54", "Unearned Premiums": "-18.1", "Reinsurance Payable": "-0.413", "Claims Reserve and LAE": "2.33", "Other Liabilities": "-14.4", "Policyholder Contract Deposits": "2.47", "Expenses": "-0.593", "Policyholder Benefits and Claims": "-0.441", "Economic Capital Ratio": "1.02", "Investment Income": "-0.324"}, "2014": {"Investments": "20.9", "Assets": "21.3", "Liabilities": "-28.3", "Stockholders Equity": "15.4", "ECR before LimitedLiability": "2.15", "Other Assets": "2.01", "Separate Account Asset": "-0.791", "Assets, Non-Current": "0.347", "Assets, Current": "-1.14", "Premiums Receivable": "1.36", "Reinsurance Recoverables": "0.411", "Other Liabilities": "-5.73", "Long Term Debt": "-5.37", "Policyholder Contract Deposits": "0.892", "Unearned Premiums": "-19.0", "Claims Reserve and LAE": "2.66", "Expenses": "-0.551", "Policyholder Benefits and Claims": "-0.375", "Revenues": "-0.268", "Other Revenues": "-0.397", "Economic Capital Ratio": "2.52"}, "2015": {"Separate Account Asset": "-0.803", "Assets": "22.7", "Liabilities": "-20.4", "Stockholders Equity": "16.3", "ECR before LimitedLiability": "4.81", "Other Assets": "1.73", "Assets, Current": "-1.05", "Premiums Receivable": "1.11", "Assets, Non-Current": "0.292", "Investments": "22.6", "Intangible Assets": "-0.235", "Policyholder Contract Deposits": "2.11", "Long Term Debt": "-5.28", "Other Liabilities": "-3.39", "Claims Reserve and LAE": "3.74", "Reinsurance Payable": "0.293", "Unearned Premiums": "-18.0", "Expenses": "-0.406", "Other Revenues": "-0.344", "Revenues": "-0.248", "Economic Capital Ratio": "5.09"}, "2016": {"Assets, Current": "-0.770", "Assets": "26.2", "Liabilities": "-23.3", "Stockholders Equity": "20.6", "ECR before LimitedLiability": "7.99", "Intangible Assets": "-0.268", "Premiums Receivable": "0.874", "Investments": "25.8", "Separate Account Asset": "-0.264", "Other Assets": "2.55", "Assets, Non-Current": "0.475", "Unearned Premiums": "-16.9", "Policyholder Contract Deposits": "0.927", "Long Term Debt": "-5.54", "Liabilities Current": "0.204", "Other Liabilities": "-3.44", "Claims Reserve and LAE": "2.55", "Policyholder Benefits and Claims": "-0.277", "Expenses": "-0.404", "Economic Capital Ratio": "8.23", "Investment Income": "-0.209"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001273813_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "262,222", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "30,849", "Deferred Policy Acquisition Costs": "231,875", "General and Administrative Expense": "193,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "373,025", "Investments": "11,098,765", "Liabilities Current": "0", "Long Term Debt": "1,038,302", "Other Assets": "4,786,945", "Other Compr. Net Income": "255,750", "Other Expenses": "357,954", "Other Liabilities": "6,201,012", "Other Net Income": "0", "Other Revenues": "526,233", "Policyholder Benefits and Claims": "461,890", "Policyholder Contract Deposits": "0", "Premiums Earned": "920,055", "Premiums Receivable": "1,002,852", "Reinsurance Payable": "170,982", "Reinsurance Recoverables": "708,872", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "5,962,799"}, "output_variables": {"Assets": "18,091,531", "Liabilities": "13,373,095", "Expenses": "1,043,693", "Revenues": "1,819,313", "Stockholders Equity": "4,718,436", "Net Income": "775,620", "Comprehensive Net Income": "903,495", "BaseVar": "94,488,778", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "272,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "14,000", "Deferred Policy Acquisition Costs": "116,000", "General and Administrative Expense": "212,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "405,000", "Investments": "11,085,000", "Liabilities Current": "0", "Long Term Debt": "836,000", "Other Assets": "4,203,000", "Other Compr. Net Income": "0", "Other Expenses": "114,000", "Other Liabilities": "5,986,000", "Other Net Income": "0", "Other Revenues": "-285,000", "Policyholder Benefits and Claims": "523,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "853,000", "Premiums Receivable": "1,005,000", "Reinsurance Payable": "219,000", "Reinsurance Recoverables": "561,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "5,207,000"}, "output_variables": {"Assets": "17,242,000", "Liabilities": "12,248,000", "Expenses": "863,000", "Revenues": "973,000", "Stockholders Equity": "4,994,000", "Net Income": "110,000", "Comprehensive Net Income": "110,000", "BaseVar": "68,117,093", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "309,000", "Claims Reserve and LAE": "592,000", "Deferred Acquisition Costs Amortization": "12,000", "Deferred Policy Acquisition Costs": "124,000", "General and Administrative Expense": "218,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "445,000", "Investments": "10,785,000", "Liabilities Current": "0", "Long Term Debt": "816,000", "Other Assets": "3,741,000", "Other Compr. Net Income": "0", "Other Expenses": "82,000", "Other Liabilities": "5,021,000", "Other Net Income": "0", "Other Revenues": "411,000", "Policyholder Benefits and Claims": "154,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "752,000", "Premiums Receivable": "876,000", "Reinsurance Payable": "148,000", "Reinsurance Recoverables": "452,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "4,595,000"}, "output_variables": {"Assets": "16,287,000", "Liabilities": "11,172,000", "Expenses": "466,000", "Revenues": "1,608,000", "Stockholders Equity": "5,115,000", "Net Income": "1,142,000", "Comprehensive Net Income": "1,142,000", "BaseVar": "49,488,121", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "276,000", "Claims Reserve and LAE": "799,000", "Deferred Acquisition Costs Amortization": "21,154", "Deferred Policy Acquisition Costs": "121,000", "General and Administrative Expense": "220,224", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "335,981", "Investments": "11,384,000", "Liabilities Current": "0", "Long Term Debt": "1,303,000", "Other Assets": "2,034,000", "Other Compr. Net Income": "0", "Other Expenses": "88,986", "Other Liabilities": "2,697,000", "Other Net Income": "0", "Other Revenues": "898,796", "Policyholder Benefits and Claims": "124,671", "Policyholder Contract Deposits": "0", "Premiums Earned": "577,407", "Premiums Receivable": "729,000", "Reinsurance Payable": "107,000", "Reinsurance Recoverables": "381,000", "Revenues Y+1": "1,747,253", "Revenues Y+2": "1,838,227", "Revenues Y+3": "1,804,276", "Revenues Y+4": "1,816,830", "Revenues Y+5": "1,812,184", "Separate Account Asset": "0", "Unearned Premiums": "4,261,000"}, "output_variables": {"Assets": "14,925,000", "Liabilities": "9,167,000", "Expenses": "455,035", "Revenues": "1,812,184", "Stockholders Equity": "5,758,000", "Net Income": "1,357,149", "Comprehensive Net Income": "1,357,149", "BaseVar": "63,340,550", "ECR before LimitedLiability": "62%", "Economic Capital Ratio": "130%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "294,000", "Claims Reserve and LAE": "1,067,000", "Deferred Acquisition Costs Amortization": "21,470", "Deferred Policy Acquisition Costs": "114,000", "General and Administrative Expense": "232,240", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "398,316", "Investments": "11,192,000", "Liabilities Current": "0", "Long Term Debt": "1,300,000", "Other Assets": "2,019,000", "Other Compr. Net Income": "0", "Other Expenses": "98,291", "Other Liabilities": "2,067,000", "Other Net Income": "0", "Other Revenues": "1,052,433", "Policyholder Benefits and Claims": "430,596", "Policyholder Contract Deposits": "0", "Premiums Earned": "751,357", "Premiums Receivable": "693,000", "Reinsurance Payable": "51,000", "Reinsurance Recoverables": "232,000", "Revenues Y+1": "2,203,351", "Revenues Y+2": "2,201,453", "Revenues Y+3": "2,202,294", "Revenues Y+4": "2,202,025", "Revenues Y+5": "2,202,106", "Separate Account Asset": "0", "Unearned Premiums": "3,996,000"}, "output_variables": {"Assets": "14,544,000", "Liabilities": "8,481,000", "Expenses": "782,598", "Revenues": "2,202,106", "Stockholders Equity": "6,063,000", "Net Income": "1,419,508", "Comprehensive Net Income": "1,419,508", "BaseVar": "78,135,350", "ECR before LimitedLiability": "68%", "Economic Capital Ratio": "135%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "317,000", "Claims Reserve and LAE": "1,127,000", "Deferred Acquisition Costs Amortization": "18,572", "Deferred Policy Acquisition Costs": "106,000", "General and Administrative Expense": "246,644", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "378,687", "Investments": "10,985,000", "Liabilities Current": "0", "Long Term Debt": "1,306,000", "Other Assets": "1,961,000", "Other Compr. Net Income": "0", "Other Expenses": "101,699", "Other Liabilities": "1,639,000", "Other Net Income": "0", "Other Revenues": "568,451", "Policyholder Benefits and Claims": "303,383", "Policyholder Contract Deposits": "0", "Premiums Earned": "858,731", "Premiums Receivable": "576,000", "Reinsurance Payable": "64,000", "Reinsurance Recoverables": "206,000", "Revenues Y+1": "1,843,194", "Revenues Y+2": "1,794,967", "Revenues Y+3": "1,808,641", "Revenues Y+4": "1,804,780", "Revenues Y+5": "1,805,869", "Separate Account Asset": "0", "Unearned Premiums": "3,511,000"}, "output_variables": {"Assets": "14,151,000", "Liabilities": "7,647,000", "Expenses": "670,298", "Revenues": "1,805,869", "Stockholders Equity": "6,504,000", "Net Income": "1,135,571", "Comprehensive Net Income": "1,135,571", "BaseVar": "60,621,231", "ECR before LimitedLiability": "65%", "Economic Capital Ratio": "132%"}}}, "top_rated": true, "trend": 3.0, "valuation": {"past_accumulated_profits": 3252000000.0, "future_profits": 3863559004.7409067, "valuation_correction": 6710535.971896289, "limited_liability_put_option": 7316003417.63254, "fair_value": 14438272958.345343, "market_value": 4275632537.425604}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001273813.svg", "value": 1.0102670032555818, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001273813.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001273813.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001273813.svg"}, {"company_id": "0000876437", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000876437.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "MGIC Investment CORP", "rank": 9, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of MGIC Investment CORP compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 30% points.The greatest weakness of MGIC Investment CORP is the variable Investments, reducing the Economic Capital Ratio by 12% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 100%, being 7.4% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000876437_2017_MGIC_Investment_CORP.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-1.02", "Assets": "7.20", "Liabilities": "-11.6", "Revenues": "0.278", "ECR before LimitedLiability": "-5.65", "Assets, Current": "5.93", "Investments": "-16.8", "Intangible Assets": "-0.732", "Assets, Non-Current": "-0.679", "Separate Account Asset": "-3.28", "Premiums Receivable": "-0.993", "Other Assets": "11.3", "Liabilities Current": "0.303", "Other Liabilities": "5.48", "Unearned Premiums": "1.66", "Long Term Debt": "1.03", "Policyholder Contract Deposits": "5.13", "Claims Reserve and LAE": "-30.3", "Other Revenues": "0.286", "Policyholder Benefits and Claims": "0.488", "Economic Capital Ratio": "-5.54"}, "2012": {"Assets, Current": "0.680", "Assets": "-16.5", "Liabilities": "0.671", "Stockholders Equity": "-13.8", "Separate Account Asset": "-5.87", "Other Assets": "4.18", "Deferred Policy Acquisition Costs": "-1.33", "Intangible Assets": "-1.02", "Reinsurance Recoverables": "-2.35", "Assets, Non-Current": "-0.783", "Investments": "-27.8", "Premiums Receivable": "-2.14", "Reinsurance Payable": "0.597", "ECR before LimitedLiability": "-14.2", "Other Liabilities": "0.894", "Claims Reserve and LAE": "-30.6", "Unearned Premiums": "0.659", "Long Term Debt": "0.601", "Policyholder Contract Deposits": "0.701", "Economic Capital Ratio": "-14.0", "Policyholder Benefits and Claims": "0.420"}, "2013": {"Intangible Assets": "-0.617", "Assets": "4.67", "Liabilities": "-11.1", "Stockholders Equity": "-3.73", "ECR before LimitedLiability": "-9.43", "Assets, Current": "0.996", "Reinsurance Recoverables": "-0.879", "Separate Account Asset": "-3.88", "Investments": "-18.0", "Assets, Non-Current": "0.553", "Other Assets": "10.5", "Premiums Receivable": "-1.31", "Deferred Policy Acquisition Costs": "-0.807", "Long Term Debt": "1.66", "Unearned Premiums": "3.32", "Reinsurance Payable": "0.394", "Claims Reserve and LAE": "-23.9", "Other Liabilities": "-1.16", "Policyholder Contract Deposits": "4.66", "Economic Capital Ratio": "-9.20", "Other Revenues": "0.336"}, "2014": {"Investments": "-13.7", "Assets": "8.71", "Liabilities": "-21.9", "Stockholders Equity": "-1.15", "ECR before LimitedLiability": "-9.34", "Other Assets": "14.7", "Separate Account Asset": "-1.54", "Assets, Non-Current": "0.331", "Assets, Current": "-0.491", "Intangible Assets": "-0.520", "Deferred Policy Acquisition Costs": "-0.532", "Premiums Receivable": "-1.00", "Reinsurance Recoverables": "-0.926", "Other Liabilities": "-8.04", "Long Term Debt": "1.34", "Policyholder Contract Deposits": "1.34", "Reinsurance Payable": "0.681", "Unearned Premiums": "2.14", "Claims Reserve and LAE": "-19.6", "Liabilities Current": "0.289", "Economic Capital Ratio": "-8.97"}, "2015": {"Separate Account Asset": "-1.44", "Assets": "7.70", "Liabilities": "-2.18", "Stockholders Equity": "7.28", "ECR before LimitedLiability": "3.10", "Other Assets": "25.0", "Assets, Current": "-0.595", "Premiums Receivable": "-1.30", "Investments": "-15.0", "Deferred Policy Acquisition Costs": "-0.716", "Reinsurance Recoverables": "-1.26", "Intangible Assets": "-0.425", "Policyholder Contract Deposits": "3.59", "Long Term Debt": "2.21", "Other Liabilities": "-5.73", "Claims Reserve and LAE": "-7.02", "Reinsurance Payable": "0.929", "Unearned Premiums": "2.80", "Liabilities Current": "0.381", "Economic Capital Ratio": "3.39", "Other Compr. Net Income": "0.615"}, "2016": {"Assets, Current": "-0.246", "Assets": "17.9", "Liabilities": "-7.07", "Stockholders Equity": "14.1", "ECR before LimitedLiability": "7.11", "Reinsurance Recoverables": "-1.14", "Intangible Assets": "-0.466", "Premiums Receivable": "-1.00", "Deferred Policy Acquisition Costs": "-0.490", "Investments": "-12.3", "Separate Account Asset": "-0.459", "Other Assets": "29.8", "Unearned Premiums": "1.20", "Policyholder Contract Deposits": "1.58", "Long Term Debt": "2.57", "Liabilities Current": "0.347", "Other Liabilities": "-9.75", "Claims Reserve and LAE": "-4.01", "Reinsurance Payable": "0.576", "Expenses": "-0.295", "Economic Capital Ratio": "7.35"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000876437_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "1,304,154", "Assets, Non-Current": "100,965", "Claims Reserve and LAE": "5,884,171", "Deferred Acquisition Costs Amortization": "7,062", "Deferred Policy Acquisition Costs": "8,282", "General and Administrative Expense": "218,080", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "247,253", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "7,562,747", "Other Compr. Net Income": "0", "Other Expenses": "51,577", "Other Liabilities": "1,565,259", "Other Net Income": "0", "Other Revenues": "104,525", "Policyholder Benefits and Claims": "1,607,541", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,168,747", "Premiums Receivable": "79,567", "Reinsurance Payable": "0", "Reinsurance Recoverables": "277,927", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "215,157"}, "output_variables": {"Assets": "9,333,642", "Liabilities": "7,664,587", "Expenses": "1,884,260", "Revenues": "1,520,525", "Stockholders Equity": "1,669,055", "Net Income": "-363,735", "Comprehensive Net Income": "-363,735", "BaseVar": "60,243,567", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "83%"}}, "2012": {"input_variables": {"Assets, Current": "1,027,625", "Assets, Non-Current": "89,655", "Claims Reserve and LAE": "4,056,843", "Deferred Acquisition Costs Amortization": "7,452", "Deferred Policy Acquisition Costs": "11,245", "General and Administrative Expense": "193,995", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "121,640", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,273,123", "Other Compr. Net Income": "-78,287", "Other Expenses": "36,743", "Other Liabilities": "1,181,701", "Other Net Income": "0", "Other Revenues": "223,554", "Policyholder Benefits and Claims": "2,067,253", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,033,170", "Premiums Receivable": "67,828", "Reinsurance Payable": "0", "Reinsurance Recoverables": "104,848", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "138,840"}, "output_variables": {"Assets": "5,574,324", "Liabilities": "5,377,384", "Expenses": "2,305,443", "Revenues": "1,378,364", "Stockholders Equity": "196,940", "Net Income": "-927,079", "Comprehensive Net Income": "-966,222", "BaseVar": "114,839,052", "ECR before LimitedLiability": "0.60%", "Economic Capital Ratio": "76%"}}, "2013": {"input_variables": {"Assets, Current": "332,692", "Assets, Non-Current": "170,004", "Claims Reserve and LAE": "3,061,401", "Deferred Acquisition Costs Amortization": "10,641", "Deferred Policy Acquisition Costs": "9,721", "General and Administrative Expense": "181,877", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "80,739", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,926,344", "Other Compr. Net Income": "-69,563", "Other Expenses": "58,039", "Other Liabilities": "1,640,972", "Other Net Income": "0", "Other Revenues": "15,645", "Policyholder Benefits and Claims": "838,726", "Policyholder Contract Deposits": "0", "Premiums Earned": "943,051", "Premiums Receivable": "62,301", "Reinsurance Payable": "0", "Reinsurance Recoverables": "100,328", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "154,479"}, "output_variables": {"Assets": "5,601,390", "Liabilities": "4,856,852", "Expenses": "1,089,283", "Revenues": "1,039,435", "Stockholders Equity": "744,538", "Net Income": "-49,848", "Comprehensive Net Income": "-84,630", "BaseVar": "43,130,518", "ECR before LimitedLiability": "4.7%", "Economic Capital Ratio": "80%"}}, "2014": {"input_variables": {"Assets, Current": "197,882", "Assets, Non-Current": "135,083", "Claims Reserve and LAE": "2,396,807", "Deferred Acquisition Costs Amortization": "7,988", "Deferred Policy Acquisition Costs": "12,240", "General and Administrative Expense": "137,692", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "88,102", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,816,164", "Other Compr. Net Income": "40,672", "Other Expenses": "49,142", "Other Liabilities": "1,629,310", "Other Net Income": "0", "Other Revenues": "11,289", "Policyholder Benefits and Claims": "507,153", "Policyholder Contract Deposits": "0", "Premiums Earned": "842,851", "Premiums Receivable": "57,442", "Reinsurance Payable": "0", "Reinsurance Recoverables": "47,623", "Revenues Y+1": "942,747", "Revenues Y+2": "942,055", "Revenues Y+3": "942,296", "Revenues Y+4": "942,214", "Revenues Y+5": "942,242", "Separate Account Asset": "0", "Unearned Premiums": "203,414"}, "output_variables": {"Assets": "5,266,434", "Liabilities": "4,229,531", "Expenses": "701,975", "Revenues": "942,242", "Stockholders Equity": "1,036,903", "Net Income": "240,267", "Comprehensive Net Income": "260,603", "BaseVar": "42,867,647", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "103%"}}, "2015": {"input_variables": {"Assets, Current": "181,120", "Assets, Non-Current": "121,233", "Claims Reserve and LAE": "1,893,402", "Deferred Acquisition Costs Amortization": "8,617", "Deferred Policy Acquisition Costs": "15,241", "General and Administrative Expense": "155,602", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "104,826", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,513,316", "Other Compr. Net Income": "4,040,541", "Other Expenses": "45,508", "Other Liabilities": "1,470,030", "Other Net Income": "0", "Other Revenues": "32,784", "Policyholder Benefits and Claims": "346,640", "Policyholder Contract Deposits": "0", "Premiums Earned": "896,821", "Premiums Receivable": "48,469", "Reinsurance Payable": "0", "Reinsurance Recoverables": "166", "Revenues Y+1": "1,031,623", "Revenues Y+2": "1,035,428", "Revenues Y+3": "1,034,137", "Revenues Y+4": "1,034,587", "Revenues Y+5": "1,034,431", "Separate Account Asset": "0", "Unearned Premiums": "279,973"}, "output_variables": {"Assets": "5,879,545", "Liabilities": "3,643,405", "Expenses": "556,367", "Revenues": "1,034,431", "Stockholders Equity": "2,236,140", "Net Income": "478,064", "Comprehensive Net Income": "2,498,334", "BaseVar": "130,460,998", "ECR before LimitedLiability": "202%", "Economic Capital Ratio": "227%"}}, "2016": {"input_variables": {"Assets, Current": "155,410", "Assets, Non-Current": "109,433", "Claims Reserve and LAE": "1,438,813", "Deferred Acquisition Costs Amortization": "9,531", "Deferred Policy Acquisition Costs": "17,759", "General and Administrative Expense": "150,764", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "111,142", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,399,535", "Other Compr. Net Income": "702,200", "Other Expenses": "128,605", "Other Liabilities": "1,417,137", "Other Net Income": "0", "Other Revenues": "30,286", "Policyholder Benefits and Claims": "241,889", "Policyholder Contract Deposits": "0", "Premiums Earned": "925,592", "Premiums Receivable": "52,392", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,068,247", "Revenues Y+2": "1,066,553", "Revenues Y+3": "1,067,157", "Revenues Y+4": "1,066,947", "Revenues Y+5": "1,067,020", "Separate Account Asset": "0", "Unearned Premiums": "329,737"}, "output_variables": {"Assets": "5,734,529", "Liabilities": "3,185,687", "Expenses": "530,789", "Revenues": "1,067,020", "Stockholders Equity": "2,548,842", "Net Income": "536,232", "Comprehensive Net Income": "887,332", "BaseVar": "50,645,030", "ECR before LimitedLiability": "96%", "Economic Capital Ratio": "154%"}}}, "top_rated": true, "trend": 6.0, "valuation": {"past_accumulated_profits": 1274421000.0, "future_profits": 3007676390.8871307, "valuation_correction": 108030.60503005364, "limited_liability_put_option": 2608538734.593623, "fair_value": 6890744156.085784, "market_value": 3012654804.6283054}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000876437.svg", "value": 1.0014947694375171, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000876437.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000876437.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000876437.svg"}, {"company_id": "0000049071", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000049071.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Humana INC", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>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 97% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 99%, being 5.7% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000049071_2017_Humana_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-8.62", "Assets": "-49.3", "Liabilities": "33.1", "Stockholders Equity": "-50.8", "ECR before LimitedLiability": "9.69", "Other Assets": "-21.6", "Assets, Current": "21.1", "Reinsurance Recoverables": "-8.57", "Separate Account Asset": "-29.9", "Investments": "-45.2", "Premiums Receivable": "-8.49", "Intangible Assets": "-0.930", "Deferred Policy Acquisition Costs": "-10.2", "Claims Reserve and LAE": "23.9", "Other Liabilities": "28.2", "Unearned Premiums": "18.7", "Long Term Debt": "10.4", "Reinsurance Payable": "2.48", "Liabilities Current": "-22.0", "Policyholder Contract Deposits": "25.7", "Economic Capital Ratio": "9.87"}, "2010": {"Deferred Policy Acquisition Costs": "-7.87", "Assets": "-47.4", "Liabilities": "34.0", "Stockholders Equity": "-64.9", "ECR before LimitedLiability": "10.0", "Assets, Current": "21.6", "Investments": "-43.3", "Assets, Non-Current": "-7.15", "Separate Account Asset": "-19.3", "Premiums Receivable": "-9.96", "Reinsurance Recoverables": "-10.1", "Other Assets": "-27.3", "Liabilities Current": "-25.9", "Reinsurance Payable": "2.61", "Other Liabilities": "29.6", "Unearned Premiums": "23.0", "Long Term Debt": "3.96", "Policyholder Contract Deposits": "23.9", "Claims Reserve and LAE": "26.5", "Economic Capital Ratio": "10.2", "Premiums Earned": "-0.610"}, "2012": {"Assets, Current": "14.5", "Assets": "-45.9", "Liabilities": "35.7", "Stockholders Equity": "-62.8", "ECR before LimitedLiability": "10.5", "Separate Account Asset": "-18.7", "Other Assets": "-20.2", "Deferred Policy Acquisition Costs": "-5.85", "Intangible Assets": "2.98", "Reinsurance Recoverables": "-11.8", "Assets, Non-Current": "-4.51", "Investments": "-42.7", "Premiums Receivable": "-10.2", "Reinsurance Payable": "5.00", "Other Liabilities": "31.6", "Claims Reserve and LAE": "26.6", "Unearned Premiums": "25.9", "Long Term Debt": "4.27", "Policyholder Contract Deposits": "26.0", "Liabilities Current": "-23.3", "Economic Capital Ratio": "10.6"}, "2013": {"Intangible Assets": "2.87", "Assets": "-46.0", "Liabilities": "35.5", "Stockholders Equity": "-66.8", "ECR before LimitedLiability": "10.6", "Assets, Current": "12.1", "Reinsurance Recoverables": "-10.6", "Separate Account Asset": "-19.6", "Investments": "-41.8", "Assets, Non-Current": "-4.22", "Other Assets": "-26.4", "Premiums Receivable": "-11.1", "Deferred Policy Acquisition Costs": "-5.98", "Liabilities Current": "-22.2", "Long Term Debt": "9.00", "Unearned Premiums": "25.3", "Reinsurance Payable": "4.53", "Claims Reserve and LAE": "27.0", "Other Liabilities": "30.7", "Policyholder Contract Deposits": "25.5", "Economic Capital Ratio": "10.8"}, "2014": {"Investments": "-43.1", "Assets": "-48.3", "Liabilities": "32.6", "Stockholders Equity": "-96.8", "ECR before LimitedLiability": "4.61", "Other Assets": "-32.0", "Separate Account Asset": "-12.5", "Assets, Non-Current": "-5.90", "Assets, Current": "3.23", "Intangible Assets": "1.35", "Deferred Policy Acquisition Costs": "-5.91", "Premiums Receivable": "-12.3", "Reinsurance Recoverables": "-11.2", "Other Liabilities": "27.7", "Long Term Debt": "6.13", "Policyholder Contract Deposits": "16.9", "Reinsurance Payable": "9.01", "Unearned Premiums": "23.4", "Claims Reserve and LAE": "25.7", "Liabilities Current": "-20.7", "Economic Capital Ratio": "4.97"}, "2015": {"Separate Account Asset": "-11.7", "Assets": "-48.4", "Liabilities": "33.7", "Stockholders Equity": "-100", "ECR before LimitedLiability": "5.48", "Other Assets": "-31.1", "Assets, Current": "8.36", "Premiums Receivable": "-13.0", "Assets, Non-Current": "-6.92", "Investments": "-44.3", "Deferred Policy Acquisition Costs": "-7.30", "Reinsurance Recoverables": "-10.5", "Intangible Assets": "1.27", "Policyholder Contract Deposits": "23.2", "Long Term Debt": "11.4", "Other Liabilities": "27.3", "Claims Reserve and LAE": "27.5", "Reinsurance Payable": "9.41", "Unearned Premiums": "24.0", "Liabilities Current": "-22.4", "Economic Capital Ratio": "5.76"}, "2016": {"Assets, Current": "11.7", "Assets": "-47.9", "Liabilities": "33.2", "Stockholders Equity": "-97.4", "ECR before LimitedLiability": "5.51", "Reinsurance Recoverables": "-11.5", "Premiums Receivable": "-13.3", "Deferred Policy Acquisition Costs": "-6.79", "Investments": "-44.1", "Separate Account Asset": "-5.22", "Other Assets": "-29.7", "Assets, Non-Current": "-6.32", "Unearned Premiums": "23.9", "Policyholder Contract Deposits": "17.0", "Long Term Debt": "17.5", "Liabilities Current": "-20.4", "Other Liabilities": "26.4", "Claims Reserve and LAE": "27.7", "Reinsurance Payable": "6.63", "Economic Capital Ratio": "5.75", "Policyholder Benefits and Claims": "0.520"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000049071_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "9,252,816", "Assets, Non-Current": "679,142", "Claims Reserve and LAE": "4,415,621", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,227,535", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,992,924", "Investment Income": "0", "Investments": "0", "Liabilities Current": "5,259,992", "Long Term Debt": "1,924,452", "Other Assets": "1,416,812", "Other Compr. Net Income": "217,378", "Other Expenses": "918,202", "Other Liabilities": "-3,222,574", "Other Net Income": "0", "Other Revenues": "1,033,663", "Policyholder Benefits and Claims": "24,775,002", "Policyholder Contract Deposits": "0", "Premiums Earned": "29,926,751", "Premiums Receivable": "811,800", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "14,153,494", "Liabilities": "8,377,491", "Expenses": "29,920,739", "Revenues": "30,960,414", "Stockholders Equity": "5,776,003", "Net Income": "1,039,675", "Comprehensive Net Income": "1,148,364", "BaseVar": "862,219,963", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2010": {"input_variables": {"Assets, Current": "10,137,699", "Assets, Non-Current": "815,337", "Claims Reserve and LAE": "4,962,161", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,662,802", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,567,809", "Investment Income": "0", "Investments": "0", "Liabilities Current": "5,744,626", "Long Term Debt": "1,941,716", "Other Assets": "2,582,408", "Other Compr. Net Income": "78,449", "Other Expenses": "1,018,142", "Other Liabilities": "-3,469,306", "Other Net Income": "0", "Other Revenues": "1,155,885", "Policyholder Benefits and Claims": "27,087,874", "Policyholder Contract Deposits": "0", "Premiums Earned": "32,712,323", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "16,103,253", "Liabilities": "9,179,197", "Expenses": "32,768,818", "Revenues": "33,868,208", "Stockholders Equity": "6,924,056", "Net Income": "1,099,390", "Comprehensive Net Income": "1,138,614", "BaseVar": "1,026,554,219", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2012": {"input_variables": {"Assets, Current": "11,710,000", "Assets, Non-Current": "1,098,000", "Claims Reserve and LAE": "5,637,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,830,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,640,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "6,375,000", "Long Term Debt": "2,899,000", "Other Assets": "3,531,000", "Other Compr. Net Income": "83,000", "Other Expenses": "1,089,000", "Other Liabilities": "-3,779,000", "Other Net Income": "0", "Other Revenues": "2,117,000", "Policyholder Benefits and Claims": "30,985,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "37,009,000", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "19,979,000", "Liabilities": "11,132,000", "Expenses": "37,904,000", "Revenues": "39,126,000", "Stockholders Equity": "8,847,000", "Net Income": "1,222,000", "Comprehensive Net Income": "1,263,500", "BaseVar": "2,257,212,477", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2013": {"input_variables": {"Assets, Current": "12,300,000", "Assets, Non-Current": "1,218,000", "Claims Reserve and LAE": "6,100,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,430,881", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,733,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "6,323,000", "Long Term Debt": "2,889,000", "Other Assets": "3,484,000", "Other Compr. Net Income": "-125,446", "Other Expenses": "1,172,432", "Other Liabilities": "-3,893,000", "Other Net Income": "0", "Other Revenues": "2,598,972", "Policyholder Benefits and Claims": "32,739,517", "Policyholder Contract Deposits": "0", "Premiums Earned": "39,028,797", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "41,580,632", "Revenues Y+2": "41,619,349", "Revenues Y+3": "41,626,101", "Revenues Y+4": "41,627,467", "Revenues Y+5": "41,627,768", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "20,735,000", "Liabilities": "11,419,000", "Expenses": "40,342,831", "Revenues": "41,627,768", "Stockholders Equity": "9,316,000", "Net Income": "1,284,937", "Comprehensive Net Income": "1,222,214", "BaseVar": "1,431,526,062", "ECR before LimitedLiability": "89%", "Economic Capital Ratio": "149%"}}, "2014": {"input_variables": {"Assets, Current": "14,712,000", "Assets, Non-Current": "1,419,000", "Claims Reserve and LAE": "6,824,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,881,256", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,711,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "7,355,000", "Long Term Debt": "4,116,000", "Other Assets": "3,624,000", "Other Compr. Net Income": "-90,889", "Other Expenses": "1,613,461", "Other Liabilities": "-4,475,000", "Other Net Income": "0", "Other Revenues": "2,558,347", "Policyholder Benefits and Claims": "38,883,481", "Policyholder Contract Deposits": "0", "Premiums Earned": "46,863,623", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "49,316,090", "Revenues Y+2": "49,409,584", "Revenues Y+3": "49,420,486", "Revenues Y+4": "49,421,801", "Revenues Y+5": "49,421,970", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "23,466,000", "Liabilities": "13,820,000", "Expenses": "48,378,197", "Revenues": "49,421,970", "Stockholders Equity": "9,646,000", "Net Income": "1,043,773", "Comprehensive Net Income": "998,328", "BaseVar": "2,233,372,754", "ECR before LimitedLiability": "87%", "Economic Capital Ratio": "148%"}}, "2015": {"input_variables": {"Assets, Current": "15,711,000", "Assets, Non-Current": "1,384,000", "Claims Reserve and LAE": "7,127,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,271,231", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,265,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "8,152,000", "Long Term Debt": "4,056,000", "Other Assets": "4,345,000", "Other Compr. Net Income": "-39,688", "Other Expenses": "1,728,560", "Other Liabilities": "-4,976,000", "Other Net Income": "270,000", "Other Revenues": "1,698,482", "Policyholder Benefits and Claims": "45,425,907", "Policyholder Contract Deposits": "0", "Premiums Earned": "53,581,645", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "55,138,859", "Revenues Y+2": "55,260,821", "Revenues Y+3": "55,277,691", "Revenues Y+4": "55,279,878", "Revenues Y+5": "55,280,127", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "24,705,000", "Liabilities": "14,359,000", "Expenses": "54,425,697", "Revenues": "55,280,127", "Stockholders Equity": "10,346,000", "Net Income": "1,124,430", "Comprehensive Net Income": "1,104,586", "BaseVar": "2,475,235,394", "ECR before LimitedLiability": "92%", "Economic Capital Ratio": "152%"}}, "2016": {"input_variables": {"Assets, Current": "16,190,000", "Assets, Non-Current": "1,505,000", "Claims Reserve and LAE": "7,397,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,271,026", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,272,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "7,822,000", "Long Term Debt": "4,055,000", "Other Assets": "4,429,000", "Other Compr. Net Income": "-142,365", "Other Expenses": "1,444,319", "Other Liabilities": "-4,563,000", "Other Net Income": "264,983", "Other Revenues": "1,121,229", "Policyholder Benefits and Claims": "45,144,785", "Policyholder Contract Deposits": "0", "Premiums Earned": "53,130,208", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "54,308,455", "Revenues Y+2": "54,271,451", "Revenues Y+3": "54,257,618", "Revenues Y+4": "54,252,949", "Revenues Y+5": "54,251,438", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "25,396,000", "Liabilities": "14,711,000", "Expenses": "53,860,130", "Revenues": "54,251,438", "Stockholders Equity": "10,685,000", "Net Income": "656,291", "Comprehensive Net Income": "585,109", "BaseVar": "2,199,148,193", "ECR before LimitedLiability": "88%", "Economic Capital Ratio": "149%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 5342500000.0, "future_profits": 12336416362.29841, "valuation_correction": 519923.9194275625, "limited_liability_put_option": 12210285461.13655, "fair_value": 29889721747.354385, "market_value": 27921847400.80854}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000049071.svg", "value": 0.9854507182200697, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000049071.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000049071.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000049071.svg"}, {"company_id": "0001156039", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001156039.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Elevance Health Inc", "rank": 11, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Elevance Health Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 27% points.The greatest weakness of Elevance Health Inc is the variable Stockholders Equity, reducing the Economic Capital Ratio by 56% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 96%, being 3.2% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001156039_2017_Elevance_Health_Inc.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-5.10", "Assets": "-39.6", "Liabilities": "34.3", "Stockholders Equity": "-18.3", "ECR before LimitedLiability": "14.8", "Other Assets": "-15.6", "Assets, Current": "23.3", "Reinsurance Recoverables": "-4.87", "Separate Account Asset": "-20.3", "Investments": "-35.6", "Premiums Receivable": "-3.80", "Intangible Assets": "16.9", "Deferred Policy Acquisition Costs": "-5.84", "Claims Reserve and LAE": "26.9", "Other Liabilities": "29.7", "Unearned Premiums": "10.5", "Long Term Debt": "-1.24", "Reinsurance Payable": "1.51", "Liabilities Current": "-19.1", "Policyholder Contract Deposits": "27.7", "Economic Capital Ratio": "14.9"}, "2010": {"Deferred Policy Acquisition Costs": "-4.49", "Assets": "-38.5", "Liabilities": "33.2", "Stockholders Equity": "-27.5", "ECR before LimitedLiability": "13.4", "Assets, Current": "21.2", "Investments": "-34.6", "Intangible Assets": "18.2", "Assets, Non-Current": "-4.23", "Separate Account Asset": "-12.1", "Premiums Receivable": "-3.77", "Reinsurance Recoverables": "-5.88", "Other Assets": "-20.4", "Liabilities Current": "-21.6", "Reinsurance Payable": "1.52", "Other Liabilities": "29.4", "Unearned Premiums": "18.1", "Long Term Debt": "-6.59", "Policyholder Contract Deposits": "26.2", "Claims Reserve and LAE": "27.3", "Economic Capital Ratio": "13.5"}, "2011": {"Reinsurance Recoverables": "-7.86", "Assets": "-40.1", "Liabilities": "32.2", "Stockholders Equity": "-33.0", "ECR before LimitedLiability": "10.5", "Intangible Assets": "19.4", "Assets, Non-Current": "-3.73", "Other Assets": "-19.1", "Separate Account Asset": "-12.5", "Assets, Current": "20.9", "Premiums Receivable": "-4.51", "Deferred Policy Acquisition Costs": "-4.85", "Investments": "-36.5", "Liabilities Current": "-24.1", "Long Term Debt": "-4.68", "Other Liabilities": "29.0", "Unearned Premiums": "25.4", "Policyholder Contract Deposits": "25.4", "Claims Reserve and LAE": "25.6", "Reinsurance Payable": "2.91", "Economic Capital Ratio": "10.7"}, "2012": {"Assets, Current": "17.3", "Assets": "-40.3", "Liabilities": "28.4", "Stockholders Equity": "-27.5", "ECR before LimitedLiability": "7.65", "Separate Account Asset": "-12.3", "Other Assets": "-16.2", "Deferred Policy Acquisition Costs": "-3.40", "Intangible Assets": "22.4", "Reinsurance Recoverables": "-7.29", "Assets, Non-Current": "-2.59", "Investments": "-37.4", "Premiums Receivable": "-4.01", "Reinsurance Payable": "2.62", "Other Liabilities": "25.5", "Claims Reserve and LAE": "22.6", "Unearned Premiums": "22.4", "Long Term Debt": "-11.2", "Policyholder Contract Deposits": "22.4", "Liabilities Current": "-19.6", "Economic Capital Ratio": "7.81"}, "2013": {"Intangible Assets": "20.4", "Assets": "-42.1", "Liabilities": "29.4", "Stockholders Equity": "-35.3", "ECR before LimitedLiability": "8.11", "Assets, Current": "15.4", "Reinsurance Recoverables": "-7.12", "Separate Account Asset": "-14.2", "Investments": "-37.5", "Assets, Non-Current": "-2.88", "Other Assets": "-22.4", "Premiums Receivable": "-5.30", "Deferred Policy Acquisition Costs": "-3.87", "Liabilities Current": "-20.2", "Long Term Debt": "-6.06", "Unearned Premiums": "22.3", "Reinsurance Payable": "2.67", "Claims Reserve and LAE": "23.1", "Other Liabilities": "25.5", "Policyholder Contract Deposits": "22.3", "Economic Capital Ratio": "8.35"}, "2014": {"Investments": "-37.1", "Assets": "-42.8", "Liabilities": "27.1", "Stockholders Equity": "-52.4", "ECR before LimitedLiability": "3.17", "Other Assets": "-26.3", "Separate Account Asset": "-8.09", "Assets, Non-Current": "-3.74", "Assets, Current": "10.00", "Intangible Assets": "18.6", "Deferred Policy Acquisition Costs": "-3.62", "Premiums Receivable": "-5.31", "Reinsurance Recoverables": "-7.18", "Other Liabilities": "23.6", "Long Term Debt": "-6.71", "Policyholder Contract Deposits": "7.36", "Reinsurance Payable": "5.22", "Unearned Premiums": "21.1", "Claims Reserve and LAE": "22.2", "Liabilities Current": "-21.5", "Economic Capital Ratio": "3.53"}, "2015": {"Separate Account Asset": "-7.76", "Assets": "-44.8", "Liabilities": "26.6", "Stockholders Equity": "-55.8", "ECR before LimitedLiability": "2.27", "Other Assets": "-26.3", "Assets, Current": "12.0", "Premiums Receivable": "-6.21", "Assets, Non-Current": "-4.40", "Investments": "-40.1", "Deferred Policy Acquisition Costs": "-4.66", "Reinsurance Recoverables": "-6.88", "Intangible Assets": "19.8", "Policyholder Contract Deposits": "17.3", "Long Term Debt": "-4.95", "Other Liabilities": "21.9", "Claims Reserve and LAE": "21.8", "Reinsurance Payable": "5.40", "Unearned Premiums": "20.0", "Liabilities Current": "-21.7", "Economic Capital Ratio": "2.56"}, "2016": {"Assets, Current": "15.2", "Assets": "-44.1", "Liabilities": "27.1", "Stockholders Equity": "-56.3", "ECR before LimitedLiability": "3.01", "Reinsurance Recoverables": "-7.80", "Intangible Assets": "17.0", "Premiums Receivable": "-6.22", "Deferred Policy Acquisition Costs": "-4.45", "Investments": "-39.9", "Separate Account Asset": "-3.38", "Other Assets": "-25.6", "Assets, Non-Current": "-4.33", "Unearned Premiums": "20.6", "Policyholder Contract Deposits": "8.34", "Long Term Debt": "1.97", "Liabilities Current": "-23.5", "Other Liabilities": "22.1", "Claims Reserve and LAE": "22.8", "Reinsurance Payable": "3.97", "Economic Capital Ratio": "3.25"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001156039_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "28,070,700", "Assets, Non-Current": "1,099,600", "Claims Reserve and LAE": "7,795,300", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "9,659,100", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,523,900", "Investment Income": "857,400", "Investments": "0", "Liabilities Current": "14,673,700", "Long Term Debt": "9,453,400", "Other Assets": "-1,849,800", "Other Compr. Net Income": "1,052,700", "Other Expenses": "4,052,000", "Other Liabilities": "-7,327,900", "Other Net Income": "0", "Other Revenues": "7,788,700", "Policyholder Benefits and Claims": "46,571,100", "Policyholder Contract Deposits": "1,617,600", "Premiums Earned": "56,382,000", "Premiums Receivable": "3,281,000", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "1,050,000"}, "output_variables": {"Assets": "52,125,400", "Liabilities": "27,262,100", "Expenses": "60,282,200", "Revenues": "65,028,100", "Stockholders Equity": "24,863,300", "Net Income": "4,745,900", "Comprehensive Net Income": "5,272,250", "BaseVar": "1,799,624,112", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2010": {"input_variables": {"Assets, Current": "26,140,800", "Assets, Non-Current": "1,155,500", "Claims Reserve and LAE": "7,464,600", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "8,839,400", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,261,700", "Investment Income": "997,400", "Investments": "0", "Liabilities Current": "14,009,500", "Long Term Debt": "9,111,200", "Other Assets": "-1,432,700", "Other Compr. Net Income": "156,500", "Other Expenses": "2,148,400", "Other Liabilities": "-7,031,500", "Other Net Income": "0", "Other Revenues": "3,830,800", "Policyholder Benefits and Claims": "44,926,900", "Policyholder Contract Deposits": "1,909,100", "Premiums Earned": "53,973,600", "Premiums Receivable": "3,041,600", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "891,400"}, "output_variables": {"Assets": "50,166,900", "Liabilities": "26,354,300", "Expenses": "55,914,700", "Revenues": "58,801,800", "Stockholders Equity": "23,812,600", "Net Income": "2,887,100", "Comprehensive Net Income": "2,965,350", "BaseVar": "1,784,050,874", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2011": {"input_variables": {"Assets, Current": "27,097,400", "Assets, Non-Current": "1,418,100", "Claims Reserve and LAE": "8,553,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "8,435,600", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,790,400", "Investment Income": "938,800", "Investments": "0", "Liabilities Current": "15,825,700", "Long Term Debt": "9,450,200", "Other Assets": "-1,690,000", "Other Compr. Net Income": "-109,700", "Other Expenses": "1,980,900", "Other Liabilities": "-8,303,000", "Other Net Income": "0", "Other Revenues": "3,802,300", "Policyholder Benefits and Claims": "47,647,500", "Policyholder Contract Deposits": "2,278,200", "Premiums Earned": "55,969,600", "Premiums Receivable": "3,402,900", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "926,500"}, "output_variables": {"Assets": "52,018,800", "Liabilities": "28,730,600", "Expenses": "58,064,000", "Revenues": "60,710,700", "Stockholders Equity": "23,288,200", "Net Income": "2,646,700", "Comprehensive Net Income": "2,591,850", "BaseVar": "3,042,506,013", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2012": {"input_variables": {"Assets, Current": "28,268,400", "Assets, Non-Current": "1,738,300", "Claims Reserve and LAE": "9,332,300", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "8,715,389", "Insurance Commissions and Fees": "0", "Intangible Assets": "26,613,300", "Investment Income": "1,034,509", "Investments": "0", "Liabilities Current": "15,836,900", "Long Term Debt": "15,184,000", "Other Assets": "-1,352,000", "Other Compr. Net Income": "100,171", "Other Expenses": "2,070,779", "Other Liabilities": "-8,514,500", "Other Net Income": "0", "Other Revenues": "4,080,392", "Policyholder Benefits and Claims": "48,193,674", "Policyholder Contract Deposits": "2,345,700", "Premiums Earned": "56,474,602", "Premiums Receivable": "3,687,400", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "61,542,565", "Revenues Y+2": "61,608,681", "Revenues Y+3": "61,583,319", "Revenues Y+4": "61,593,638", "Revenues Y+5": "61,589,503", "Separate Account Asset": "0", "Unearned Premiums": "968,300"}, "output_variables": {"Assets": "58,955,400", "Liabilities": "35,152,700", "Expenses": "58,979,842", "Revenues": "61,589,503", "Stockholders Equity": "23,802,700", "Net Income": "2,609,661", "Comprehensive Net Income": "2,659,746", "BaseVar": "3,554,888,828", "ECR before LimitedLiability": "57%", "Economic Capital Ratio": "126%"}}, "2013": {"input_variables": {"Assets, Current": "29,745,800", "Assets, Non-Current": "1,801,500", "Claims Reserve and LAE": "8,986,500", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "9,865,114", "Insurance Commissions and Fees": "0", "Intangible Assets": "25,358,200", "Investment Income": "917,524", "Investments": "0", "Liabilities Current": "16,351,500", "Long Term Debt": "14,409,600", "Other Assets": "-1,299,700", "Other Compr. Net Income": "-25,781", "Other Expenses": "2,173,467", "Other Liabilities": "-7,834,200", "Other Net Income": "-144,600", "Other Revenues": "4,037,422", "Policyholder Benefits and Claims": "55,970,305", "Policyholder Contract Deposits": "2,073,200", "Premiums Earned": "65,729,792", "Premiums Receivable": "3,968,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "70,694,926", "Revenues Y+2": "70,674,705", "Revenues Y+3": "70,688,208", "Revenues Y+4": "70,682,402", "Revenues Y+5": "70,684,738", "Separate Account Asset": "0", "Unearned Premiums": "822,700"}, "output_variables": {"Assets": "59,574,500", "Liabilities": "34,809,300", "Expenses": "68,008,886", "Revenues": "70,684,738", "Stockholders Equity": "24,765,200", "Net Income": "2,531,252", "Comprehensive Net Income": "2,518,361", "BaseVar": "2,441,398,884", "ECR before LimitedLiability": "61%", "Economic Capital Ratio": "129%"}}, "2014": {"input_variables": {"Assets, Current": "32,228,900", "Assets, Non-Current": "1,944,300", "Claims Reserve and LAE": "10,227,100", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "11,656,537", "Insurance Commissions and Fees": "0", "Intangible Assets": "25,040,100", "Investment Income": "896,886", "Investments": "0", "Liabilities Current": "18,753,400", "Long Term Debt": "15,163,000", "Other Assets": "-1,973,800", "Other Compr. Net Income": "-42,537", "Other Expenses": "2,572,747", "Other Liabilities": "-10,034,400", "Other Net Income": "-143,993", "Other Revenues": "4,405,511", "Policyholder Benefits and Claims": "56,836,210", "Policyholder Contract Deposits": "2,626,500", "Premiums Earned": "68,314,466", "Premiums Receivable": "4,825,500", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "73,545,811", "Revenues Y+2": "73,647,621", "Revenues Y+3": "73,607,165", "Revenues Y+4": "73,623,453", "Revenues Y+5": "73,616,863", "Separate Account Asset": "0", "Unearned Premiums": "1,078,100"}, "output_variables": {"Assets": "62,065,000", "Liabilities": "37,813,700", "Expenses": "71,065,494", "Revenues": "73,616,863", "Stockholders Equity": "24,251,300", "Net Income": "2,407,376", "Comprehensive Net Income": "2,386,107", "BaseVar": "3,327,515,992", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "128%"}}, "2015": {"input_variables": {"Assets, Current": "30,862,100", "Assets, Non-Current": "2,019,800", "Claims Reserve and LAE": "10,529,900", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "12,506,093", "Insurance Commissions and Fees": "0", "Intangible Assets": "25,720,200", "Investment Income": "824,779", "Investments": "0", "Liabilities Current": "19,092,600", "Long Term Debt": "16,318,800", "Other Assets": "-1,487,100", "Other Compr. Net Income": "-324,257", "Other Expenses": "2,883,065", "Other Liabilities": "-10,669,600", "Other Net Income": "3,476", "Other Revenues": "4,834,372", "Policyholder Benefits and Claims": "60,992,689", "Policyholder Contract Deposits": "2,256,500", "Premiums Earned": "73,235,795", "Premiums Receivable": "4,602,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "78,852,444", "Revenues Y+2": "78,912,415", "Revenues Y+3": "78,889,556", "Revenues Y+4": "78,898,550", "Revenues Y+5": "78,894,946", "Separate Account Asset": "0", "Unearned Premiums": "1,145,500"}, "output_variables": {"Assets": "61,717,800", "Liabilities": "38,673,700", "Expenses": "76,381,848", "Revenues": "78,894,946", "Stockholders Equity": "23,044,100", "Net Income": "2,516,575", "Comprehensive Net Income": "2,354,446", "BaseVar": "3,523,511,080", "ECR before LimitedLiability": "60%", "Economic Capital Ratio": "128%"}}, "2016": {"input_variables": {"Assets, Current": "34,314,900", "Assets, Non-Current": "1,977,900", "Claims Reserve and LAE": "10,851,600", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "12,557,066", "Insurance Commissions and Fees": "0", "Intangible Assets": "25,526,100", "Investment Income": "770,548", "Investments": "0", "Liabilities Current": "21,294,400", "Long Term Debt": "15,242,300", "Other Assets": "-2,596,600", "Other Compr. Net Income": "-141,648", "Other Expenses": "2,986,157", "Other Liabilities": "-10,598,600", "Other Net Income": "0", "Other Revenues": "5,140,906", "Policyholder Benefits and Claims": "66,727,764", "Policyholder Contract Deposits": "2,221,100", "Premiums Earned": "78,740,569", "Premiums Receivable": "5,860,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "84,618,928", "Revenues Y+2": "84,665,982", "Revenues Y+3": "84,647,722", "Revenues Y+4": "84,654,880", "Revenues Y+5": "84,652,023", "Separate Account Asset": "0", "Unearned Premiums": "971,900"}, "output_variables": {"Assets": "65,083,100", "Liabilities": "39,982,700", "Expenses": "82,270,987", "Revenues": "84,652,023", "Stockholders Equity": "25,100,400", "Net Income": "2,381,036", "Comprehensive Net Income": "2,310,212", "BaseVar": "3,407,244,915", "ECR before LimitedLiability": "61%", "Economic Capital Ratio": "129%"}}}, "top_rated": true, "trend": 6.0, "valuation": {"past_accumulated_profits": 12550200000.0, "future_profits": 19656257830.820126, "valuation_correction": -510255.36855479656, "limited_liability_put_option": 35769191152.44158, "fair_value": 67975138727.89316, "market_value": 33564693675.561447}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001156039.svg", "value": 0.9604587492182785, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001156039.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001156039.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001156039.svg"}, {"company_id": "0001172052", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001172052.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Safety Insurance Group INC", "rank": 12, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Safety Insurance Group INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Safety Insurance Group INC is the variable Assets, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 96%, being 3.0% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001172052_2017_Safety_Insurance_Group_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-1.76", "Assets": "-21.3", "Liabilities": "26.0", "Stockholders Equity": "1.09", "ECR before LimitedLiability": "10.4", "Intangible Assets": "-1.06", "Assets, Non-Current": "-1.63", "Other Assets": "-5.31", "Separate Account Asset": "-5.78", "Assets, Current": "-1.34", "Premiums Receivable": "-2.85", "Deferred Policy Acquisition Costs": "-0.537", "Investments": "-10.5", "Liabilities Current": "0.586", "Long Term Debt": "3.43", "Other Liabilities": "20.4", "Unearned Premiums": "-2.79", "Policyholder Contract Deposits": "13.5", "Claims Reserve and LAE": "20.6", "Reinsurance Payable": "0.899", "Economic Capital Ratio": "10.6"}, "2012": {"Assets, Current": "-1.86", "Assets": "-20.0", "Liabilities": "25.7", "Stockholders Equity": "2.72", "ECR before LimitedLiability": "10.3", "Separate Account Asset": "-5.80", "Other Assets": "-3.34", "Intangible Assets": "-1.03", "Reinsurance Recoverables": "-1.61", "Assets, Non-Current": "-1.21", "Investments": "-10.3", "Premiums Receivable": "-2.73", "Reinsurance Payable": "0.839", "Other Liabilities": "18.0", "Claims Reserve and LAE": "19.8", "Unearned Premiums": "-2.91", "Long Term Debt": "3.34", "Policyholder Contract Deposits": "13.3", "Liabilities Current": "0.692", "Economic Capital Ratio": "10.5", "Premiums Earned": "-0.216"}, "2013": {"Intangible Assets": "-1.10", "Assets": "-22.1", "Liabilities": "24.0", "ECR before LimitedLiability": "9.04", "Assets, Current": "-1.95", "Reinsurance Recoverables": "-2.59", "Separate Account Asset": "-6.50", "Investments": "-9.53", "Assets, Non-Current": "-1.23", "Other Assets": "-6.29", "Premiums Receivable": "-3.18", "Liabilities Current": "0.718", "Long Term Debt": "4.47", "Unearned Premiums": "-3.10", "Reinsurance Payable": "0.758", "Claims Reserve and LAE": "7.43", "Other Liabilities": "23.2", "Policyholder Contract Deposits": "13.7", "Economic Capital Ratio": "9.27", "Other Revenues": "0.257", "Premiums Earned": "-0.399"}, "2014": {"Investments": "-6.59", "Assets": "-21.7", "Liabilities": "23.7", "Stockholders Equity": "-8.40", "ECR before LimitedLiability": "5.46", "Other Assets": "-9.15", "Separate Account Asset": "-3.39", "Assets, Non-Current": "-1.66", "Assets, Current": "-3.90", "Intangible Assets": "-1.18", "Premiums Receivable": "-3.32", "Reinsurance Recoverables": "-2.53", "Other Liabilities": "23.3", "Long Term Debt": "4.22", "Policyholder Contract Deposits": "4.22", "Reinsurance Payable": "1.84", "Unearned Premiums": "-2.56", "Claims Reserve and LAE": "9.73", "Liabilities Current": "0.924", "Economic Capital Ratio": "5.82", "Premiums Earned": "-0.281"}, "2015": {"Separate Account Asset": "-3.24", "Assets": "-24.3", "Liabilities": "20.9", "Stockholders Equity": "-11.3", "ECR before LimitedLiability": "2.72", "Other Assets": "-7.77", "Assets, Current": "-3.10", "Premiums Receivable": "-3.66", "Assets, Non-Current": "-1.94", "Investments": "-12.5", "Reinsurance Recoverables": "-2.30", "Intangible Assets": "-0.975", "Policyholder Contract Deposits": "8.05", "Long Term Debt": "5.03", "Other Liabilities": "20.3", "Claims Reserve and LAE": "12.5", "Reinsurance Payable": "1.67", "Unearned Premiums": "-2.15", "Liabilities Current": "0.878", "Economic Capital Ratio": "3.00", "Policyholder Benefits and Claims": "0.380"}, "2016": {"Assets, Current": "-3.13", "Assets": "-21.6", "Liabilities": "20.5", "Stockholders Equity": "-9.43", "ECR before LimitedLiability": "2.73", "Reinsurance Recoverables": "-2.43", "Intangible Assets": "-1.28", "Premiums Receivable": "-3.66", "Investments": "-10.4", "Separate Account Asset": "-1.26", "Other Assets": "-6.43", "Assets, Non-Current": "-1.77", "Unearned Premiums": "-2.92", "Policyholder Contract Deposits": "3.90", "Long Term Debt": "6.29", "Liabilities Current": "0.870", "Other Liabilities": "16.8", "Claims Reserve and LAE": "13.2", "Reinsurance Payable": "0.914", "Premiums Earned": "-0.234", "Economic Capital Ratio": "2.96"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001172052_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "37,890", "Assets, Non-Current": "12,665", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "56,716", "General and Administrative Expense": "179,157", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "43,420", "Investments": "1,108,748", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "190,751", "Other Compr. Net Income": "0", "Other Expenses": "659", "Other Liabilities": "481,353", "Other Net Income": "0", "Other Revenues": "18,370", "Policyholder Benefits and Claims": "466,640", "Policyholder Contract Deposits": "0", "Premiums Earned": "598,368", "Premiums Receivable": "0", "Reinsurance Payable": "5,338", "Reinsurance Recoverables": "65,796", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "329,562"}, "output_variables": {"Assets": "1,472,566", "Liabilities": "816,253", "Expenses": "646,456", "Revenues": "660,158", "Stockholders Equity": "656,313", "Net Income": "13,702", "Comprehensive Net Income": "13,702", "BaseVar": "34,139,713", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2012": {"input_variables": {"Assets, Current": "35,383", "Assets, Non-Current": "15,278", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "60,665", "General and Administrative Expense": "200,138", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "42,845", "Investments": "1,188,353", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "206,276", "Other Compr. Net Income": "0", "Other Expenses": "23,442", "Other Liabilities": "519,712", "Other Net Income": "0", "Other Revenues": "18,553", "Policyholder Benefits and Claims": "422,217", "Policyholder Contract Deposits": "0", "Premiums Earned": "642,469", "Premiums Receivable": "0", "Reinsurance Payable": "7,056", "Reinsurance Recoverables": "68,391", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "353,219"}, "output_variables": {"Assets": "1,574,346", "Liabilities": "879,987", "Expenses": "645,797", "Revenues": "703,867", "Stockholders Equity": "694,359", "Net Income": "58,070", "Comprehensive Net Income": "58,070", "BaseVar": "40,461,585", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2013": {"input_variables": {"Assets, Current": "55,877", "Assets, Non-Current": "16,403", "Claims Reserve and LAE": "455,014", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "63,388", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "44,731", "Investments": "1,202,576", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "269,313", "Other Compr. Net Income": "-26,156", "Other Expenses": "236,184", "Other Liabilities": "97,579", "Other Net Income": "0", "Other Revenues": "18,683", "Policyholder Benefits and Claims": "447,749", "Policyholder Contract Deposits": "0", "Premiums Earned": "681,870", "Premiums Receivable": "0", "Reinsurance Payable": "7,094", "Reinsurance Recoverables": "17,900", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "370,583"}, "output_variables": {"Assets": "1,625,457", "Liabilities": "930,270", "Expenses": "683,933", "Revenues": "745,284", "Stockholders Equity": "695,187", "Net Income": "61,351", "Comprehensive Net Income": "48,273", "BaseVar": "26,370,501", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "99%"}}, "2014": {"input_variables": {"Assets, Current": "42,455", "Assets, Non-Current": "13,538", "Claims Reserve and LAE": "482,012", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "67,329", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "42,535", "Investments": "1,256,261", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "276,498", "Other Compr. Net Income": "-26,087", "Other Expenses": "244,183", "Other Liabilities": "87,410", "Other Net Income": "0", "Other Revenues": "19,430", "Policyholder Benefits and Claims": "473,862", "Policyholder Contract Deposits": "0", "Premiums Earned": "719,986", "Premiums Receivable": "0", "Reinsurance Payable": "7,653", "Reinsurance Recoverables": "19,638", "Revenues Y+1": "781,698", "Revenues Y+2": "781,930", "Revenues Y+3": "781,949", "Revenues Y+4": "781,951", "Revenues Y+5": "781,951", "Separate Account Asset": "0", "Unearned Premiums": "390,361"}, "output_variables": {"Assets": "1,675,719", "Liabilities": "967,436", "Expenses": "718,045", "Revenues": "781,951", "Stockholders Equity": "708,283", "Net Income": "63,906", "Comprehensive Net Income": "50,862", "BaseVar": "35,848,350", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "114%"}}, "2015": {"input_variables": {"Assets, Current": "47,494", "Assets, Non-Current": "14,306", "Claims Reserve and LAE": "553,977", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "68,937", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "40,096", "Investments": "1,209,443", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "340,467", "Other Compr. Net Income": "5,380", "Other Expenses": "192,595", "Other Liabilities": "91,885", "Other Net Income": "0", "Other Revenues": "19,727", "Policyholder Benefits and Claims": "602,724", "Policyholder Contract Deposits": "0", "Premiums Earned": "740,101", "Premiums Receivable": "0", "Reinsurance Payable": "11,547", "Reinsurance Recoverables": "23,222", "Revenues Y+1": "799,764", "Revenues Y+2": "799,911", "Revenues Y+3": "799,924", "Revenues Y+4": "799,925", "Revenues Y+5": "799,925", "Separate Account Asset": "0", "Unearned Premiums": "401,961"}, "output_variables": {"Assets": "1,703,869", "Liabilities": "1,059,370", "Expenses": "795,319", "Revenues": "799,925", "Stockholders Equity": "644,499", "Net Income": "4,606", "Comprehensive Net Income": "7,296", "BaseVar": "37,109,833", "ECR before LimitedLiability": "37%", "Economic Capital Ratio": "109%"}}, "2016": {"input_variables": {"Assets, Current": "20,052", "Assets, Non-Current": "13,469", "Claims Reserve and LAE": "560,321", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "70,996", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "43,903", "Investments": "1,280,506", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "344,638", "Other Compr. Net Income": "-7,616", "Other Expenses": "266,427", "Other Liabilities": "95,664", "Other Net Income": "0", "Other Revenues": "20,094", "Policyholder Benefits and Claims": "508,025", "Policyholder Contract Deposits": "0", "Premiums Earned": "757,380", "Premiums Receivable": "0", "Reinsurance Payable": "13,502", "Reinsurance Recoverables": "28,585", "Revenues Y+1": "821,239", "Revenues Y+2": "821,366", "Revenues Y+3": "821,376", "Revenues Y+4": "821,377", "Revenues Y+5": "821,377", "Separate Account Asset": "0", "Unearned Premiums": "418,033"}, "output_variables": {"Assets": "1,758,246", "Liabilities": "1,087,520", "Expenses": "774,451", "Revenues": "821,377", "Stockholders Equity": "670,726", "Net Income": "46,926", "Comprehensive Net Income": "43,118", "BaseVar": "33,620,560", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "110%"}}}, "top_rated": true, "trend": 4.0, "valuation": {"past_accumulated_profits": 335363000.0, "future_profits": 200850171.0500015, "valuation_correction": -5837.07552490466, "limited_liability_put_option": 1034010711.4281045, "fair_value": 1570218045.4025812, "market_value": 744378882.9600677}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001172052.svg", "value": 0.9576053342603089, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001172052.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001172052.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001172052.svg"}, {"company_id": "0001095073", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001095073.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Everest Group LTD", "rank": 13, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Everest Group LTD compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Everest Group LTD is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 96%, being 2.7% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001095073_2017_Everest_Group_LTD.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.321", "Assets": "-1.34", "Liabilities": "9.25", "Stockholders Equity": "6.58", "ECR before LimitedLiability": "3.97", "Assets, Current": "-1.42", "Investments": "14.5", "Intangible Assets": "-0.851", "Assets, Non-Current": "-0.979", "Separate Account Asset": "-3.77", "Premiums Receivable": "0.394", "Reinsurance Recoverables": "-1.34", "Other Assets": "-4.22", "Liabilities Current": "0.440", "Other Liabilities": "-17.5", "Unearned Premiums": "-0.915", "Long Term Debt": "1.50", "Policyholder Contract Deposits": "7.39", "Claims Reserve and LAE": "15.2", "Economic Capital Ratio": "4.08", "Premiums Earned": "-0.300"}, "2011": {"Reinsurance Recoverables": "-2.06", "Assets": "-3.44", "Liabilities": "9.45", "Stockholders Equity": "4.02", "ECR before LimitedLiability": "1.86", "Intangible Assets": "-0.686", "Assets, Non-Current": "-0.807", "Other Assets": "-3.72", "Separate Account Asset": "-3.88", "Assets, Current": "-1.51", "Premiums Receivable": "0.633", "Deferred Policy Acquisition Costs": "-0.455", "Investments": "11.1", "Liabilities Current": "0.307", "Long Term Debt": "1.81", "Other Liabilities": "-16.1", "Unearned Premiums": "2.22", "Policyholder Contract Deposits": "7.32", "Claims Reserve and LAE": "11.2", "Reinsurance Payable": "0.421", "Economic Capital Ratio": "2.02"}, "2012": {"Assets, Current": "-1.67", "Assets": "0.697", "Liabilities": "6.73", "Stockholders Equity": "6.82", "ECR before LimitedLiability": "3.28", "Separate Account Asset": "-3.67", "Other Assets": "-2.27", "Deferred Policy Acquisition Costs": "-0.219", "Intangible Assets": "-0.627", "Reinsurance Recoverables": "-1.85", "Assets, Non-Current": "-0.440", "Investments": "13.1", "Premiums Receivable": "1.06", "Other Liabilities": "-18.1", "Claims Reserve and LAE": "10.5", "Unearned Premiums": "2.40", "Long Term Debt": "1.72", "Policyholder Contract Deposits": "7.05", "Liabilities Current": "0.353", "Economic Capital Ratio": "3.45", "Premiums Earned": "-0.156"}, "2013": {"Intangible Assets": "-0.710", "Assets": "-5.59", "Liabilities": "14.4", "Stockholders Equity": "5.35", "ECR before LimitedLiability": "3.97", "Assets, Current": "-2.14", "Reinsurance Recoverables": "-1.80", "Separate Account Asset": "-4.39", "Investments": "11.5", "Assets, Non-Current": "-0.527", "Other Assets": "-5.98", "Premiums Receivable": "1.08", "Liabilities Current": "0.410", "Long Term Debt": "2.58", "Unearned Premiums": "2.25", "Claims Reserve and LAE": "14.3", "Other Liabilities": "-15.4", "Policyholder Contract Deposits": "8.08", "Economic Capital Ratio": "4.21", "Other Revenues": "0.278", "Premiums Earned": "-0.308"}, "2014": {"Investments": "16.7", "Assets": "-2.55", "Liabilities": "7.21", "Stockholders Equity": "2.69", "ECR before LimitedLiability": "2.23", "Other Assets": "-7.18", "Separate Account Asset": "-2.08", "Assets, Non-Current": "-0.727", "Assets, Current": "-2.98", "Intangible Assets": "-0.710", "Premiums Receivable": "0.808", "Reinsurance Recoverables": "-1.52", "Other Liabilities": "13.4", "Long Term Debt": "2.37", "Policyholder Contract Deposits": "2.36", "Reinsurance Payable": "0.732", "Unearned Premiums": "2.13", "Claims Reserve and LAE": "-17.0", "Liabilities Current": "0.513", "Economic Capital Ratio": "2.60", "Premiums Earned": "-0.282"}, "2015": {"Separate Account Asset": "-1.83", "Assets": "-3.26", "Liabilities": "9.60", "Stockholders Equity": "3.74", "ECR before LimitedLiability": "3.47", "Other Assets": "-6.03", "Assets, Current": "-2.36", "Premiums Receivable": "0.824", "Assets, Non-Current": "-0.761", "Investments": "11.7", "Deferred Policy Acquisition Costs": "-0.320", "Reinsurance Recoverables": "-1.30", "Intangible Assets": "-0.541", "Policyholder Contract Deposits": "4.62", "Long Term Debt": "2.86", "Other Liabilities": "10.7", "Claims Reserve and LAE": "-13.6", "Reinsurance Payable": "0.377", "Unearned Premiums": "2.66", "Liabilities Current": "0.494", "Economic Capital Ratio": "3.76"}, "2016": {"Assets, Current": "-2.11", "Assets": "-1.10", "Liabilities": "5.81", "Stockholders Equity": "3.48", "ECR before LimitedLiability": "2.50", "Reinsurance Recoverables": "-1.44", "Intangible Assets": "-0.745", "Premiums Receivable": "0.782", "Deferred Policy Acquisition Costs": "-0.298", "Investments": "12.2", "Separate Account Asset": "-0.734", "Other Assets": "-5.35", "Assets, Non-Current": "-0.698", "Unearned Premiums": "2.65", "Policyholder Contract Deposits": "2.26", "Long Term Debt": "3.67", "Liabilities Current": "0.499", "Other Liabilities": "8.88", "Claims Reserve and LAE": "-13.9", "Premiums Earned": "-0.244", "Economic Capital Ratio": "2.74"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001095073_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "170,931", "Claims Reserve and LAE": "63,002", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "383,769", "General and Administrative Expense": "181,172", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "755,374", "Investments": "15,365,019", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,510,413", "Other Compr. Net Income": "60,220", "Other Expenses": "968,169", "Other Liabilities": "10,459,501", "Other Net Income": "0", "Other Revenues": "15,808", "Policyholder Benefits and Claims": "2,945,712", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,934,625", "Premiums Receivable": "844,832", "Reinsurance Payable": "146,732", "Reinsurance Recoverables": "133,007", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,455,219"}, "output_variables": {"Assets": "18,407,971", "Liabilities": "12,124,454", "Expenses": "4,095,053", "Revenues": "4,705,807", "Stockholders Equity": "6,283,517", "Net Income": "610,754", "Comprehensive Net Income": "640,864", "BaseVar": "149,933,082", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "202,958", "Claims Reserve and LAE": "67,187", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "378,026", "General and Administrative Expense": "198,864", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "626,964", "Investments": "15,797,381", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,352,233", "Other Compr. Net Income": "34,720", "Other Expenses": "849,379", "Other Liabilities": "11,288,123", "Other Net Income": "0", "Other Revenues": "-34,350", "Policyholder Benefits and Claims": "3,726,204", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,101,347", "Premiums Receivable": "1,077,548", "Reinsurance Payable": "54,092", "Reinsurance Recoverables": "85,409", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,412,778"}, "output_variables": {"Assets": "18,893,555", "Liabilities": "12,822,180", "Expenses": "4,774,447", "Revenues": "4,693,961", "Stockholders Equity": "6,071,375", "Net Income": "-80,486", "Comprehensive Net Income": "-63,126", "BaseVar": "255,835,847", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "241,346", "Claims Reserve and LAE": "66,107", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "303,268", "General and Administrative Expense": "231,635", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "764,602", "Investments": "16,576,196", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,348,131", "Other Compr. Net Income": "170,071", "Other Expenses": "1,116,956", "Other Liabilities": "11,490,275", "Other Net Income": "0", "Other Revenues": "-6,420", "Policyholder Benefits and Claims": "2,745,265", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,164,628", "Premiums Receivable": "1,237,859", "Reinsurance Payable": "165,533", "Reinsurance Recoverables": "71,107", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,322,525"}, "output_variables": {"Assets": "19,777,907", "Liabilities": "13,044,440", "Expenses": "4,093,856", "Revenues": "4,922,810", "Stockholders Equity": "6,733,467", "Net Income": "828,954", "Comprehensive Net Income": "913,990", "BaseVar": "283,467,482", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "246,664", "Claims Reserve and LAE": "59,512", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "363,721", "General and Administrative Expense": "266,863", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "836,503", "Investments": "16,596,483", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,066,275", "Other Compr. Net Income": "170,047", "Other Expenses": "1,296,816", "Other Liabilities": "10,987,846", "Other Net Income": "0", "Other Revenues": "29,139", "Policyholder Benefits and Claims": "2,809,528", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,781,534", "Premiums Receivable": "1,453,114", "Reinsurance Payable": "119,079", "Reinsurance Recoverables": "81,779", "Revenues Y+1": "5,641,353", "Revenues Y+2": "5,648,144", "Revenues Y+3": "5,646,954", "Revenues Y+4": "5,647,246", "Revenues Y+5": "5,647,176", "Separate Account Asset": "0", "Unearned Premiums": "1,579,945"}, "output_variables": {"Assets": "19,808,036", "Liabilities": "12,746,382", "Expenses": "4,373,207", "Revenues": "5,647,176", "Stockholders Equity": "7,061,654", "Net Income": "1,273,969", "Comprehensive Net Income": "1,358,993", "BaseVar": "191,974,289", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "120%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "236,436", "Claims Reserve and LAE": "9,780,633", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "398,408", "General and Administrative Expense": "264,121", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "653,693", "Investments": "17,435,937", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,194,883", "Other Compr. Net Income": "-256,994", "Other Expenses": "1,358,195", "Other Liabilities": "1,292,001", "Other Net Income": "0", "Other Revenues": "16,422", "Policyholder Benefits and Claims": "2,924,542", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,195,574", "Premiums Receivable": "1,397,983", "Reinsurance Payable": "143,773", "Reinsurance Recoverables": "154,177", "Revenues Y+1": "5,875,801", "Revenues Y+2": "5,862,180", "Revenues Y+3": "5,866,577", "Revenues Y+4": "5,865,175", "Revenues Y+5": "5,865,689", "Separate Account Asset": "0", "Unearned Premiums": "1,728,745"}, "output_variables": {"Assets": "20,817,824", "Liabilities": "12,945,152", "Expenses": "4,546,858", "Revenues": "5,865,689", "Stockholders Equity": "7,872,672", "Net Income": "1,318,831", "Comprehensive Net Income": "1,190,334", "BaseVar": "258,273,805", "ECR before LimitedLiability": "47%", "Economic Capital Ratio": "118%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "265,634", "Claims Reserve and LAE": "10,010,708", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "373,072", "General and Administrative Expense": "293,341", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "310,917", "Investments": "17,672,176", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,478,576", "Other Compr. Net Income": "-285,338", "Other Expenses": "1,371,480", "Other Liabilities": "1,181,265", "Other Net Income": "0", "Other Revenues": "40,473", "Policyholder Benefits and Claims": "3,135,519", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,503,983", "Premiums Receivable": "1,479,293", "Reinsurance Payable": "255,366", "Reinsurance Recoverables": "157,424", "Revenues Y+1": "5,842,760", "Revenues Y+2": "5,867,791", "Revenues Y+3": "5,851,647", "Revenues Y+4": "5,862,251", "Revenues Y+5": "5,855,373", "Separate Account Asset": "0", "Unearned Premiums": "1,613,390"}, "output_variables": {"Assets": "21,426,175", "Liabilities": "13,060,729", "Expenses": "4,800,339", "Revenues": "5,855,373", "Stockholders Equity": "8,365,446", "Net Income": "1,055,034", "Comprehensive Net Income": "912,365", "BaseVar": "261,463,323", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "114%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "263,459", "Claims Reserve and LAE": "10,367,387", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "344,052", "General and Administrative Expense": "305,028", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "444,993", "Investments": "17,483,089", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,553,146", "Other Compr. Net Income": "-204,421", "Other Expenses": "1,356,871", "Other Liabilities": "1,088,911", "Other Net Income": "0", "Other Revenues": "40,196", "Policyholder Benefits and Claims": "3,146,124", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,309,506", "Premiums Receivable": "1,485,990", "Reinsurance Payable": "212,264", "Reinsurance Recoverables": "191,768", "Revenues Y+1": "5,805,388", "Revenues Y+2": "5,773,467", "Revenues Y+3": "5,799,379", "Revenues Y+4": "5,779,231", "Revenues Y+5": "5,794,694", "Separate Account Asset": "0", "Unearned Premiums": "1,577,546"}, "output_variables": {"Assets": "21,321,504", "Liabilities": "13,246,108", "Expenses": "4,808,023", "Revenues": "5,794,694", "Stockholders Equity": "8,075,396", "Net Income": "986,671", "Comprehensive Net Income": "884,461", "BaseVar": "234,294,614", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "113%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 4037698000.0, "future_profits": 2995853113.5804496, "valuation_correction": 788823.1804440111, "limited_liability_put_option": 12477793170.47822, "fair_value": 19512133107.239113, "market_value": 7269874010.558426}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001095073.svg", "value": 0.9553715875211481, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001095073.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001095073.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001095073.svg"}, {"company_id": "0001576018", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001576018.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Siriuspoint Ltd", "rank": 14, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Siriuspoint Ltd compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Siriuspoint Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 95%, being 2.5% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001576018_2017_Siriuspoint_Ltd.pdf", "shrinked_graph_json": {"2013": {"Intangible Assets": "-0.299", "Assets": "9.88", "Liabilities": "22.0", "Stockholders Equity": "35.8", "ECR before LimitedLiability": "31.1", "Assets, Current": "-0.504", "Reinsurance Recoverables": "-0.717", "Separate Account Asset": "-1.88", "Investments": "10.5", "Assets, Non-Current": "-0.448", "Other Assets": "1.26", "Premiums Receivable": "1.72", "Deferred Policy Acquisition Costs": "0.795", "Liabilities Current": "0.367", "Long Term Debt": "2.32", "Unearned Premiums": "-4.85", "Claims Reserve and LAE": "8.09", "Other Liabilities": "10.1", "Policyholder Contract Deposits": "7.32", "Economic Capital Ratio": "31.3", "Other Revenues": "-0.469"}, "2015": {"Separate Account Asset": "-1.29", "Assets": "12.5", "Liabilities": "-5.51", "Stockholders Equity": "9.57", "ECR before LimitedLiability": "4.01", "Other Assets": "1.76", "Assets, Current": "-1.44", "Premiums Receivable": "2.12", "Assets, Non-Current": "-0.758", "Investments": "12.1", "Deferred Policy Acquisition Costs": "1.67", "Reinsurance Recoverables": "-1.12", "Intangible Assets": "-0.379", "Policyholder Contract Deposits": "3.28", "Long Term Debt": "2.02", "Other Liabilities": "-12.5", "Claims Reserve and LAE": "4.85", "Unearned Premiums": "-5.07", "Economic Capital Ratio": "4.30", "Other Revenues": "-1.05", "Premiums Earned": "0.607"}, "2016": {"Assets, Current": "-1.44", "Assets": "14.0", "Liabilities": "-8.61", "Stockholders Equity": "8.24", "ECR before LimitedLiability": "2.26", "Reinsurance Recoverables": "-1.32", "Intangible Assets": "-0.540", "Premiums Receivable": "2.76", "Deferred Policy Acquisition Costs": "1.80", "Investments": "13.8", "Separate Account Asset": "-0.532", "Other Assets": "0.370", "Assets, Non-Current": "-0.697", "Unearned Premiums": "-4.38", "Policyholder Contract Deposits": "1.62", "Long Term Debt": "2.64", "Liabilities Current": "0.357", "Other Liabilities": "-13.8", "Claims Reserve and LAE": "4.16", "Economic Capital Ratio": "2.50", "Deferred Acquisition Costs Amortization": "0.271"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001576018_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets, Current": "31,625", "Assets, Non-Current": "0", "Claims Reserve and LAE": "134,331", "Deferred Acquisition Costs Amortization": "67,944", "Deferred Policy Acquisition Costs": "91,193", "General and Administrative Expense": "33,036", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,460,864", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "375,168", "Other Compr. Net Income": "0", "Other Expenses": "0", "Other Liabilities": "240,895", "Other Net Income": "0", "Other Revenues": "253,203", "Policyholder Benefits and Claims": "139,812", "Policyholder Contract Deposits": "0", "Premiums Earned": "220,667", "Premiums Receivable": "191,763", "Reinsurance Payable": "9,081", "Reinsurance Recoverables": "9,277", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "265,187"}, "output_variables": {"Assets": "2,159,890", "Liabilities": "649,494", "Expenses": "240,792", "Revenues": "473,870", "Stockholders Equity": "1,510,396", "Net Income": "233,078", "Comprehensive Net Income": "233,078", "BaseVar": "13,726,451", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "121%"}}, "2015": {"input_variables": {"Assets, Current": "20,407", "Assets, Non-Current": "11,829", "Claims Reserve and LAE": "466,047", "Deferred Acquisition Costs Amortization": "191,216", "Deferred Policy Acquisition Costs": "197,093", "General and Administrative Expense": "46,033", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "2,317,244", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "703,910", "Other Compr. Net Income": "0", "Other Expenses": "9,749", "Other Liabilities": "1,127,349", "Other Net Income": "0", "Other Revenues": "574,750", "Policyholder Benefits and Claims": "415,191", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "294,313", "Reinsurance Payable": "24,119", "Reinsurance Recoverables": "312", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "531,710"}, "output_variables": {"Assets": "3,545,108", "Liabilities": "2,149,225", "Expenses": "662,189", "Revenues": "574,750", "Stockholders Equity": "1,395,883", "Net Income": "-87,439", "Comprehensive Net Income": "-87,439", "BaseVar": "30,457,412", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}, "2016": {"input_variables": {"Assets, Current": "9,951", "Assets, Non-Current": "17,144", "Claims Reserve and LAE": "605,129", "Deferred Acquisition Costs Amortization": "222,150", "Deferred Policy Acquisition Costs": "221,618", "General and Administrative Expense": "39,367", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "2,647,512", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "617,468", "Other Compr. Net Income": "0", "Other Expenses": "2,690", "Other Liabilities": "1,240,543", "Other Net Income": "0", "Other Revenues": "98,825", "Policyholder Benefits and Claims": "395,932", "Policyholder Contract Deposits": "0", "Premiums Earned": "590,190", "Premiums Receivable": "381,951", "Reinsurance Payable": "43,171", "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": "0", "Unearned Premiums": "557,076"}, "output_variables": {"Assets": "3,895,644", "Liabilities": "2,445,919", "Expenses": "660,139", "Revenues": "689,015", "Stockholders Equity": "1,449,725", "Net Income": "28,876", "Comprehensive Net Income": "28,876", "BaseVar": "30,262,227", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "95%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 724862500.0, "future_profits": 0.0, "valuation_correction": -72192836.13140422, "limited_liability_put_option": 2369039476.9954705, "fair_value": 3021709140.864066, "market_value": 1271287919.308876}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001576018.svg", "value": 0.9529856096561892, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001576018.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001576018.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001576018.svg"}, {"company_id": "0000064996", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000064996.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0000064996.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000064996.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000064996_256x256.png", "name": "Mercury General CORP", "rank": 15, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0000064996.svg", "report_text": "The relative strengths and weaknesses of Mercury General 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. <br/><br/>The greatest strength of Mercury General CORP compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Mercury General CORP is the variable Assets, reducing the Economic Capital Ratio by 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 95%, being 1.9% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000064996_2017_Mercury_General_CORP.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-1.20", "Assets": "-30.4", "Liabilities": "25.5", "Stockholders Equity": "-7.59", "ECR before LimitedLiability": "9.87", "Assets, Current": "-3.20", "Investments": "-18.8", "Intangible Assets": "-0.977", "Assets, Non-Current": "-1.15", "Separate Account Asset": "-8.04", "Premiums Receivable": "-0.601", "Reinsurance Recoverables": "-3.69", "Other Assets": "-13.0", "Liabilities Current": "1.18", "Reinsurance Payable": "0.836", "Other Liabilities": "23.2", "Unearned Premiums": "-2.58", "Long Term Debt": "3.98", "Policyholder Contract Deposits": "18.5", "Claims Reserve and LAE": "22.7", "Economic Capital Ratio": "9.98"}, "2011": {"Reinsurance Recoverables": "-4.83", "Assets": "-30.4", "Liabilities": "28.8", "Stockholders Equity": "-9.55", "ECR before LimitedLiability": "11.2", "Intangible Assets": "-0.609", "Assets, Non-Current": "-1.05", "Other Assets": "-11.2", "Separate Account Asset": "-8.01", "Assets, Current": "-3.31", "Premiums Receivable": "-1.05", "Deferred Policy Acquisition Costs": "-1.34", "Investments": "-20.5", "Liabilities Current": "0.869", "Long Term Debt": "5.03", "Other Liabilities": "26.7", "Unearned Premiums": "4.82", "Policyholder Contract Deposits": "19.2", "Claims Reserve and LAE": "15.4", "Reinsurance Payable": "1.72", "Economic Capital Ratio": "11.3"}, "2012": {"Assets, Current": "-3.98", "Assets": "-30.4", "Liabilities": "27.7", "Stockholders Equity": "-8.46", "ECR before LimitedLiability": "10.2", "Separate Account Asset": "-8.28", "Other Assets": "-9.72", "Deferred Policy Acquisition Costs": "-0.419", "Intangible Assets": "-0.690", "Reinsurance Recoverables": "-4.73", "Assets, Non-Current": "-0.742", "Investments": "-21.2", "Premiums Receivable": "-0.450", "Reinsurance Payable": "1.74", "Other Liabilities": "25.7", "Claims Reserve and LAE": "14.4", "Unearned Premiums": "4.17", "Long Term Debt": "4.96", "Policyholder Contract Deposits": "19.1", "Liabilities Current": "1.04", "Economic Capital Ratio": "10.4"}, "2013": {"Intangible Assets": "-0.754", "Assets": "-31.1", "Liabilities": "25.5", "Stockholders Equity": "-10.3", "ECR before LimitedLiability": "8.62", "Assets, Current": "-4.50", "Reinsurance Recoverables": "-4.16", "Separate Account Asset": "-8.80", "Investments": "-19.3", "Assets, Non-Current": "-0.710", "Other Assets": "-13.1", "Premiums Receivable": "-0.641", "Liabilities Current": "1.01", "Long Term Debt": "6.20", "Unearned Premiums": "2.95", "Reinsurance Payable": "1.50", "Claims Reserve and LAE": "19.4", "Other Liabilities": "23.2", "Policyholder Contract Deposits": "18.5", "Economic Capital Ratio": "8.86", "Premiums Earned": "-0.486"}, "2014": {"Investments": "-16.7", "Assets": "-30.8", "Liabilities": "24.1", "Stockholders Equity": "-21.1", "ECR before LimitedLiability": "4.36", "Other Assets": "-16.2", "Separate Account Asset": "-4.68", "Assets, Non-Current": "-1.22", "Assets, Current": "-6.57", "Intangible Assets": "-0.961", "Premiums Receivable": "-0.835", "Reinsurance Recoverables": "-4.12", "Other Liabilities": "22.4", "Long Term Debt": "5.75", "Policyholder Contract Deposits": "5.75", "Reinsurance Payable": "2.96", "Unearned Premiums": "4.09", "Claims Reserve and LAE": "22.2", "Liabilities Current": "1.27", "Economic Capital Ratio": "4.73", "Premiums Earned": "-0.302"}, "2015": {"Separate Account Asset": "-4.20", "Assets": "-31.6", "Liabilities": "23.3", "Stockholders Equity": "-20.8", "ECR before LimitedLiability": "3.70", "Other Assets": "-15.2", "Assets, Current": "-5.37", "Premiums Receivable": "-0.518", "Assets, Non-Current": "-1.48", "Investments": "-19.9", "Deferred Policy Acquisition Costs": "-0.692", "Reinsurance Recoverables": "-3.69", "Intangible Assets": "-0.616", "Policyholder Contract Deposits": "10.7", "Long Term Debt": "6.74", "Other Liabilities": "21.3", "Claims Reserve and LAE": "21.3", "Reinsurance Payable": "2.88", "Unearned Premiums": "3.28", "Liabilities Current": "1.19", "Economic Capital Ratio": "3.98"}, "2016": {"Assets, Current": "-5.15", "Assets": "-32.6", "Liabilities": "21.1", "Stockholders Equity": "-23.5", "ECR before LimitedLiability": "1.68", "Reinsurance Recoverables": "-4.44", "Intangible Assets": "-1.29", "Premiums Receivable": "-0.976", "Deferred Policy Acquisition Costs": "-0.731", "Investments": "-21.3", "Separate Account Asset": "-1.85", "Other Assets": "-15.5", "Assets, Non-Current": "-1.50", "Unearned Premiums": "4.27", "Policyholder Contract Deposits": "5.58", "Long Term Debt": "8.94", "Liabilities Current": "1.26", "Other Liabilities": "19.1", "Claims Reserve and LAE": "19.3", "Reinsurance Payable": "2.07", "Economic Capital Ratio": "1.92"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000064996_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "213,007", "Claims Reserve and LAE": "1,034,205", "Deferred Acquisition Costs Amortization": "505,565", "Deferred Policy Acquisition Costs": "170,579", "General and Administrative Expense": "255,358", "Insurance Commissions and Fees": "0", "Intangible Assets": "102,974", "Investment Income": "57,089", "Investments": "3,155,257", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "233,606", "Other Compr. Net Income": "0", "Other Expenses": "36,998", "Other Liabilities": "540,965", "Other Net Income": "0", "Other Revenues": "152,111", "Policyholder Benefits and Claims": "1,825,766", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,566,685", "Premiums Receivable": "327,941", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "833,379"}, "output_variables": {"Assets": "4,203,364", "Liabilities": "2,408,549", "Expenses": "2,623,687", "Revenues": "2,775,885", "Stockholders Equity": "1,794,815", "Net Income": "152,198", "Comprehensive Net Income": "152,198", "BaseVar": "85,366,321", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "188,992", "Claims Reserve and LAE": "985,279", "Deferred Acquisition Costs Amortization": "481,721", "Deferred Policy Acquisition Costs": "171,430", "General and Administrative Expense": "215,711", "Insurance Commissions and Fees": "0", "Intangible Assets": "96,599", "Investment Income": "58,397", "Investments": "3,062,421", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "217,904", "Other Compr. Net Income": "0", "Other Expenses": "59,484", "Other Liabilities": "383,817", "Other Net Income": "0", "Other Revenues": "152,831", "Policyholder Benefits and Claims": "1,829,205", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,566,057", "Premiums Receivable": "332,660", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "843,427"}, "output_variables": {"Assets": "4,070,006", "Liabilities": "2,212,523", "Expenses": "2,586,121", "Revenues": "2,777,285", "Stockholders Equity": "1,857,483", "Net Income": "191,164", "Comprehensive Net Income": "191,164", "BaseVar": "138,580,810", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "173,803", "Claims Reserve and LAE": "1,036,123", "Deferred Acquisition Costs Amortization": "477,788", "Deferred Policy Acquisition Costs": "185,910", "General and Administrative Expense": "207,281", "Insurance Commissions and Fees": "0", "Intangible Assets": "90,385", "Investment Income": "66,380", "Investments": "3,180,095", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "165,241", "Other Compr. Net Income": "-18,399", "Other Expenses": "1,543", "Other Liabilities": "390,637", "Other Net Income": "0", "Other Revenues": "142,070", "Policyholder Benefits and Claims": "1,961,448", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,574,920", "Premiums Receivable": "394,252", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "920,429"}, "output_variables": {"Assets": "4,189,686", "Liabilities": "2,347,189", "Expenses": "2,648,060", "Revenues": "2,783,370", "Stockholders Equity": "1,842,497", "Net Income": "135,310", "Comprehensive Net Income": "126,110", "BaseVar": "161,693,699", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "101%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "171,052", "Claims Reserve and LAE": "1,038,984", "Deferred Acquisition Costs Amortization": "504,269", "Deferred Policy Acquisition Costs": "194,466", "General and Administrative Expense": "217,906", "Insurance Commissions and Fees": "0", "Intangible Assets": "84,399", "Investment Income": "-620", "Investments": "3,158,312", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "281,728", "Other Compr. Net Income": "-20,096", "Other Expenses": "1,283", "Other Liabilities": "500,184", "Other Net Income": "0", "Other Revenues": "134,213", "Policyholder Benefits and Claims": "1,962,693", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,698,178", "Premiums Receivable": "425,224", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,833,512", "Revenues Y+2": "2,831,490", "Revenues Y+3": "2,831,815", "Revenues Y+4": "2,831,763", "Revenues Y+5": "2,831,771", "Separate Account Asset": "0", "Unearned Premiums": "953,527"}, "output_variables": {"Assets": "4,315,181", "Liabilities": "2,492,695", "Expenses": "2,686,150", "Revenues": "2,831,771", "Stockholders Equity": "1,822,486", "Net Income": "145,621", "Comprehensive Net Income": "135,573", "BaseVar": "98,887,007", "ECR before LimitedLiability": "47%", "Economic Capital Ratio": "118%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "180,488", "Claims Reserve and LAE": "1,091,797", "Deferred Acquisition Costs Amortization": "525,322", "Deferred Policy Acquisition Costs": "197,202", "General and Administrative Expense": "245,658", "Insurance Commissions and Fees": "0", "Intangible Assets": "78,419", "Investment Income": "23,260", "Investments": "3,403,822", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "290,410", "Other Compr. Net Income": "-140", "Other Expenses": "66,220", "Other Liabilities": "633,248", "Other Net Income": "0", "Other Revenues": "134,395", "Policyholder Benefits and Claims": "1,986,171", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,796,367", "Premiums Receivable": "449,948", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,935,504", "Revenues Y+2": "2,998,604", "Revenues Y+3": "2,946,518", "Revenues Y+4": "2,989,512", "Revenues Y+5": "2,954,023", "Separate Account Asset": "0", "Unearned Premiums": "999,798"}, "output_variables": {"Assets": "4,600,289", "Liabilities": "2,724,843", "Expenses": "2,823,371", "Revenues": "2,954,023", "Stockholders Equity": "1,875,446", "Net Income": "130,652", "Comprehensive Net Income": "130,582", "BaseVar": "134,376,000", "ECR before LimitedLiability": "45%", "Economic Capital Ratio": "117%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "173,957", "Claims Reserve and LAE": "1,146,688", "Deferred Acquisition Costs Amortization": "538,687", "Deferred Policy Acquisition Costs": "201,762", "General and Administrative Expense": "250,660", "Insurance Commissions and Fees": "0", "Intangible Assets": "74,498", "Investment Income": "81,026", "Investments": "3,380,642", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "296,493", "Other Compr. Net Income": "0", "Other Expenses": "26,402", "Other Liabilities": "611,758", "Other Net Income": "0", "Other Revenues": "135,217", "Policyholder Benefits and Claims": "2,146,004", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,958,571", "Premiums Receivable": "501,293", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,174,916", "Revenues Y+2": "3,010,033", "Revenues Y+3": "3,174,866", "Revenues Y+4": "3,010,085", "Revenues Y+5": "3,174,813", "Separate Account Asset": "0", "Unearned Premiums": "1,049,314"}, "output_variables": {"Assets": "4,628,645", "Liabilities": "2,807,760", "Expenses": "2,961,753", "Revenues": "3,174,813", "Stockholders Equity": "1,820,885", "Net Income": "213,060", "Comprehensive Net Income": "213,060", "BaseVar": "140,695,136", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "117%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "181,324", "Claims Reserve and LAE": "1,290,248", "Deferred Acquisition Costs Amortization": "561,597", "Deferred Policy Acquisition Costs": "200,826", "General and Administrative Expense": "237,221", "Insurance Commissions and Fees": "0", "Intangible Assets": "68,421", "Investment Income": "-57,674", "Investments": "3,547,560", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "265,595", "Other Compr. Net Income": "0", "Other Expenses": "989", "Other Liabilities": "671,631", "Other Net Income": "0", "Other Revenues": "130,126", "Policyholder Benefits and Claims": "2,357,911", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,133,240", "Premiums Receivable": "524,992", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,194,881", "Revenues Y+2": "3,218,522", "Revenues Y+3": "3,202,205", "Revenues Y+4": "3,213,473", "Revenues Y+5": "3,205,692", "Separate Account Asset": "0", "Unearned Premiums": "1,074,437"}, "output_variables": {"Assets": "4,788,718", "Liabilities": "3,036,316", "Expenses": "3,157,717", "Revenues": "3,205,692", "Stockholders Equity": "1,752,402", "Net Income": "47,975", "Comprehensive Net Income": "47,975", "BaseVar": "131,691,813", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "113%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 876201000.0, "future_profits": 732285110.486908, "valuation_correction": -321187.8992421536, "limited_liability_put_option": 2821986431.665234, "fair_value": 4430151354.2529, "market_value": 2287424016.941639}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000064996.svg", "value": 0.9471901160883303, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000064996.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000064996.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000064996.svg"}, {"company_id": "0001400810", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001400810.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "HCI Group Inc", "rank": 16, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of HCI Group Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 19% points.The greatest weakness of HCI Group Inc is the variable Assets, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 95%, being 1.7% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001400810_2017_HCI_Group_Inc.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-0.833", "Assets": "-22.5", "Liabilities": "15.5", "Stockholders Equity": "-5.82", "Economic Capital Ratio": "0.285", "Intangible Assets": "-1.09", "Assets, Non-Current": "0.480", "Other Assets": "12.3", "Separate Account Asset": "-6.16", "Assets, Current": "-2.45", "Premiums Receivable": "-0.582", "Deferred Policy Acquisition Costs": "0.378", "Investments": "-22.2", "Liabilities Current": "0.487", "Long Term Debt": "2.85", "Other Liabilities": "15.3", "Unearned Premiums": "-24.7", "Policyholder Contract Deposits": "11.3", "Claims Reserve and LAE": "10.6", "Reinsurance Payable": "0.966", "Premiums Earned": "-0.334"}, "2012": {"Assets, Current": "-2.97", "Assets": "-22.4", "Liabilities": "19.9", "Stockholders Equity": "-2.53", "ECR before LimitedLiability": "4.41", "Separate Account Asset": "-6.35", "Other Assets": "19.4", "Deferred Policy Acquisition Costs": "-0.335", "Intangible Assets": "-1.13", "Reinsurance Recoverables": "-2.48", "Investments": "-24.1", "Premiums Receivable": "-1.72", "Reinsurance Payable": "0.835", "Other Liabilities": "19.4", "Claims Reserve and LAE": "12.2", "Unearned Premiums": "-20.5", "Long Term Debt": "3.18", "Policyholder Contract Deposits": "12.7", "Liabilities Current": "0.660", "Economic Capital Ratio": "4.58", "Premiums Earned": "-0.318"}, "2013": {"Intangible Assets": "-1.07", "Assets": "-20.9", "Liabilities": "14.9", "Stockholders Equity": "-4.40", "Economic Capital Ratio": "0.514", "Assets, Current": "15.0", "Reinsurance Recoverables": "-0.661", "Separate Account Asset": "-6.46", "Investments": "-19.9", "Assets, Non-Current": "0.874", "Other Assets": "-10.4", "Premiums Receivable": "-1.96", "Deferred Policy Acquisition Costs": "-1.54", "Liabilities Current": "0.576", "Long Term Debt": "-13.1", "Unearned Premiums": "-11.2", "Claims Reserve and LAE": "14.4", "Other Liabilities": "14.6", "Policyholder Contract Deposits": "11.1", "Premiums Earned": "-0.669", "Other Expenses": "0.326"}, "2014": {"Investments": "-17.6", "Assets": "-19.4", "Liabilities": "15.1", "Stockholders Equity": "-10.6", "ECR before LimitedLiability": "-2.90", "Other Assets": "-13.1", "Separate Account Asset": "-3.25", "Assets, Non-Current": "1.67", "Assets, Current": "15.2", "Intangible Assets": "-1.12", "Premiums Receivable": "-2.09", "Reinsurance Recoverables": "-0.415", "Other Liabilities": "15.0", "Long Term Debt": "-11.4", "Policyholder Contract Deposits": "3.33", "Reinsurance Payable": "1.68", "Unearned Premiums": "-12.9", "Claims Reserve and LAE": "15.0", "Liabilities Current": "0.727", "Economic Capital Ratio": "-2.54", "Premiums Earned": "-0.411"}, "2015": {"Separate Account Asset": "-2.77", "Assets": "-19.1", "Liabilities": "19.8", "Stockholders Equity": "-6.70", "ECR before LimitedLiability": "2.10", "Other Assets": "-11.7", "Assets, Current": "19.0", "Premiums Receivable": "-1.91", "Assets, Non-Current": "1.50", "Investments": "-16.9", "Deferred Policy Acquisition Costs": "-0.376", "Intangible Assets": "-0.830", "Policyholder Contract Deposits": "6.83", "Long Term Debt": "4.25", "Other Liabilities": "5.52", "Claims Reserve and LAE": "19.7", "Reinsurance Payable": "1.68", "Unearned Premiums": "-8.80", "Liabilities Current": "0.740", "Economic Capital Ratio": "2.39", "Premiums Earned": "-0.425"}, "2016": {"Assets, Current": "18.9", "Assets": "-16.4", "Liabilities": "19.0", "Stockholders Equity": "-5.78", "ECR before LimitedLiability": "1.50", "Reinsurance Recoverables": "-1.15", "Intangible Assets": "-1.10", "Premiums Receivable": "-2.14", "Deferred Policy Acquisition Costs": "-0.399", "Investments": "-14.0", "Separate Account Asset": "-1.09", "Other Assets": "-10.6", "Assets, Non-Current": "-0.365", "Unearned Premiums": "-6.86", "Policyholder Contract Deposits": "3.26", "Long Term Debt": "-9.25", "Liabilities Current": "0.726", "Other Liabilities": "13.7", "Claims Reserve and LAE": "18.9", "Reinsurance Payable": "0.870", "Economic Capital Ratio": "1.74"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001400810_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "12,368", "Claims Reserve and LAE": "27,424", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "12,321", "General and Administrative Expense": "12,062", "Insurance Commissions and Fees": "0", "Intangible Assets": "161", "Investment Income": "2,447", "Investments": "58,759", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "104,818", "Other Compr. Net Income": "0", "Other Expenses": "24,570", "Other Liabilities": "14,887", "Other Net Income": "0", "Other Revenues": "5,146", "Policyholder Benefits and Claims": "48,243", "Policyholder Contract Deposits": "0", "Premiums Earned": "87,246", "Premiums Receivable": "12,222", "Reinsurance Payable": "0", "Reinsurance Recoverables": "14,169", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "108,677"}, "output_variables": {"Assets": "214,818", "Liabilities": "150,988", "Expenses": "84,875", "Revenues": "94,839", "Stockholders Equity": "63,830", "Net Income": "9,964", "Comprehensive Net Income": "9,964", "BaseVar": "4,721,135", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "91%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "13,149", "Claims Reserve and LAE": "41,168", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "10,032", "General and Administrative Expense": "21,084", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "1,256", "Investments": "60,916", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "234,437", "Other Compr. Net Income": "1,412", "Other Expenses": "45,514", "Other Liabilities": "20,241", "Other Net Income": "0", "Other Revenues": "4,141", "Policyholder Benefits and Claims": "66,310", "Policyholder Contract Deposits": "0", "Premiums Earned": "157,668", "Premiums Receivable": "10,642", "Reinsurance Payable": "1,377", "Reinsurance Recoverables": "9,112", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "154,249"}, "output_variables": {"Assets": "338,288", "Liabilities": "217,035", "Expenses": "132,908", "Revenues": "163,065", "Stockholders Equity": "121,253", "Net Income": "30,157", "Comprehensive Net Income": "30,863", "BaseVar": "8,922,574", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2013": {"input_variables": {"Assets, Current": "293,398", "Assets, Non-Current": "28,946", "Claims Reserve and LAE": "43,686", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "34,286", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "1,469", "Investments": "146,028", "Liabilities Current": "0", "Long Term Debt": "126,932", "Other Assets": "15,204", "Other Compr. Net Income": "-506", "Other Expenses": "76,117", "Other Liabilities": "18,610", "Other Net Income": "0", "Other Revenues": "5,371", "Policyholder Benefits and Claims": "65,123", "Policyholder Contract Deposits": "0", "Premiums Earned": "234,248", "Premiums Receivable": "14,674", "Reinsurance Payable": "4,660", "Reinsurance Recoverables": "28,066", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "171,907"}, "output_variables": {"Assets": "526,316", "Liabilities": "365,795", "Expenses": "175,526", "Revenues": "241,088", "Stockholders Equity": "160,521", "Net Income": "65,562", "Comprehensive Net Income": "65,309", "BaseVar": "7,637,780", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2014": {"input_variables": {"Assets, Current": "314,716", "Assets, Non-Current": "47,579", "Claims Reserve and LAE": "48,908", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "15,014", "General and Administrative Expense": "18,879", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,955", "Investments": "168,799", "Liabilities Current": "0", "Long Term Debt": "129,539", "Other Assets": "6,182", "Other Compr. Net Income": "-468", "Other Expenses": "237,840", "Other Liabilities": "26,889", "Other Net Income": "0", "Other Revenues": "9,056", "Policyholder Benefits and Claims": "86,007", "Policyholder Contract Deposits": "0", "Premiums Earned": "286,629", "Premiums Receivable": "15,824", "Reinsurance Payable": "218", "Reinsurance Recoverables": "34,096", "Revenues Y+1": "277,264", "Revenues Y+2": "286,364", "Revenues Y+3": "292,350", "Revenues Y+4": "296,663", "Revenues Y+5": "299,640", "Separate Account Asset": "0", "Unearned Premiums": "214,071"}, "output_variables": {"Assets": "602,210", "Liabilities": "419,625", "Expenses": "342,726", "Revenues": "299,640", "Stockholders Equity": "182,585", "Net Income": "-43,086", "Comprehensive Net Income": "-43,320", "BaseVar": "15,054,680", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "104%"}}, "2015": {"input_variables": {"Assets, Current": "267,738", "Assets, Non-Current": "50,914", "Claims Reserve and LAE": "51,690", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "18,602", "General and Administrative Expense": "19,516", "Insurance Commissions and Fees": "3,496", "Intangible Assets": "0", "Investment Income": "4,153", "Investments": "232,917", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "6,437", "Other Compr. Net Income": "-1,747", "Other Expenses": "143,028", "Other Liabilities": "159,200", "Other Net Income": "0", "Other Revenues": "9,230", "Policyholder Benefits and Claims": "91,031", "Policyholder Contract Deposits": "0", "Premiums Earned": "344,992", "Premiums Receivable": "19,631", "Reinsurance Payable": "1,084", "Reinsurance Recoverables": "40,747", "Revenues Y+1": "321,277", "Revenues Y+2": "323,591", "Revenues Y+3": "348,082", "Revenues Y+4": "342,869", "Revenues Y+5": "361,871", "Separate Account Asset": "0", "Unearned Premiums": "187,290"}, "output_variables": {"Assets": "636,986", "Liabilities": "399,264", "Expenses": "253,575", "Revenues": "361,871", "Stockholders Equity": "237,722", "Net Income": "108,296", "Comprehensive Net Income": "107,423", "BaseVar": "14,294,762", "ECR before LimitedLiability": "89%", "Economic Capital Ratio": "150%"}}, "2016": {"input_variables": {"Assets, Current": "280,531", "Assets, Non-Current": "22,716", "Claims Reserve and LAE": "70,492", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "16,639", "General and Administrative Expense": "19,792", "Insurance Commissions and Fees": "3,971", "Intangible Assets": "0", "Investment Income": "7,377", "Investments": "298,734", "Liabilities Current": "0", "Long Term Debt": "138,863", "Other Assets": "9,614", "Other Compr. Net Income": "-2,446", "Other Expenses": "44,460", "Other Liabilities": "37,866", "Other Net Income": "0", "Other Revenues": "-2,556", "Policyholder Benefits and Claims": "151,715", "Policyholder Contract Deposits": "0", "Premiums Earned": "185,410", "Premiums Receivable": "17,276", "Reinsurance Payable": "3,294", "Reinsurance Recoverables": "24,554", "Revenues Y+1": "226,494", "Revenues Y+2": "223,403", "Revenues Y+3": "203,117", "Revenues Y+4": "207,380", "Revenues Y+5": "194,202", "Separate Account Asset": "0", "Unearned Premiums": "175,803"}, "output_variables": {"Assets": "670,064", "Liabilities": "426,318", "Expenses": "215,967", "Revenues": "194,202", "Stockholders Equity": "243,746", "Net Income": "-21,765", "Comprehensive Net Income": "-22,988", "BaseVar": "8,833,635", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "104%"}}}, "top_rated": false, "trend": 2.0, "valuation": {"past_accumulated_profits": 121873000.0, "future_profits": 44853629.53895447, "valuation_correction": 2003920.5464047582, "limited_liability_put_option": 403649882.60205346, "fair_value": 572380432.6874127, "market_value": 308770511.441329}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001400810.svg", "value": 0.9453887594995536, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001400810.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001400810.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001400810.svg"}, {"company_id": "0000891166", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000891166.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Universal Insurance Holdings Inc", "rank": 17, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Universal Insurance Holdings Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Universal Insurance Holdings Inc is the variable Assets, reducing the Economic Capital Ratio by 31% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 94%, being 0.71% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000891166_2017_Universal_Insurance_Holdings_Inc.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "7.41", "Assets": "-2.18", "Liabilities": "-1.56", "Stockholders Equity": "-3.86", "ECR before LimitedLiability": "-7.70", "Intangible Assets": "-0.715", "Assets, Non-Current": "-0.879", "Other Assets": "7.12", "Separate Account Asset": "-4.07", "Assets, Current": "7.18", "Premiums Receivable": "0.466", "Deferred Policy Acquisition Costs": "-0.703", "Investments": "-20.8", "Liabilities Current": "0.260", "Other Liabilities": "3.22", "Unearned Premiums": "-19.5", "Policyholder Contract Deposits": "6.24", "Claims Reserve and LAE": "7.13", "Reinsurance Payable": "-5.32", "Economic Capital Ratio": "-7.54", "Premiums Earned": "-0.261"}, "2012": {"Assets, Current": "8.13", "Assets": "-7.00", "Liabilities": "4.45", "Stockholders Equity": "-4.33", "ECR before LimitedLiability": "-6.93", "Separate Account Asset": "-4.67", "Other Assets": "2.05", "Deferred Policy Acquisition Costs": "-0.253", "Intangible Assets": "-0.802", "Reinsurance Recoverables": "8.03", "Assets, Non-Current": "-0.704", "Investments": "-23.0", "Premiums Receivable": "0.388", "Reinsurance Payable": "-4.91", "Other Liabilities": "6.08", "Claims Reserve and LAE": "7.85", "Unearned Premiums": "-19.7", "Long Term Debt": "0.510", "Policyholder Contract Deposits": "7.18", "Liabilities Current": "0.362", "Economic Capital Ratio": "-6.76"}, "2013": {"Intangible Assets": "-0.869", "Assets": "-11.3", "Liabilities": "7.49", "Stockholders Equity": "-5.48", "ECR before LimitedLiability": "-6.62", "Assets, Current": "3.57", "Reinsurance Recoverables": "7.79", "Separate Account Asset": "-5.36", "Investments": "-22.8", "Assets, Non-Current": "-0.722", "Other Assets": "7.51", "Deferred Policy Acquisition Costs": "-1.25", "Liabilities Current": "0.399", "Unearned Premiums": "-19.4", "Reinsurance Payable": "-5.11", "Claims Reserve and LAE": "7.57", "Other Liabilities": "7.48", "Policyholder Contract Deposits": "7.48", "Economic Capital Ratio": "-6.38", "Other Revenues": "0.243", "Premiums Earned": "-0.434"}, "2014": {"Investments": "-23.6", "Assets": "-17.9", "Liabilities": "11.1", "Stockholders Equity": "-12.2", "ECR before LimitedLiability": "-6.83", "Other Assets": "7.62", "Separate Account Asset": "-3.18", "Assets, Non-Current": "-0.855", "Assets, Current": "1.09", "Intangible Assets": "-1.09", "Premiums Receivable": "-0.631", "Reinsurance Recoverables": "11.1", "Other Liabilities": "11.1", "Long Term Debt": "0.971", "Policyholder Contract Deposits": "2.98", "Reinsurance Payable": "-2.98", "Unearned Premiums": "-18.8", "Claims Reserve and LAE": "11.1", "Liabilities Current": "0.648", "Economic Capital Ratio": "-6.47", "Premiums Earned": "-0.302"}, "2015": {"Separate Account Asset": "-3.57", "Assets": "-27.4", "Liabilities": "15.3", "Stockholders Equity": "-16.7", "ECR before LimitedLiability": "-3.10", "Other Assets": "4.59", "Assets, Current": "4.37", "Premiums Receivable": "-1.90", "Assets, Non-Current": "-1.14", "Investments": "-28.7", "Deferred Policy Acquisition Costs": "0.618", "Reinsurance Recoverables": "3.16", "Intangible Assets": "-1.08", "Policyholder Contract Deposits": "7.82", "Long Term Debt": "3.41", "Other Liabilities": "14.5", "Claims Reserve and LAE": "14.6", "Reinsurance Payable": "-2.72", "Unearned Premiums": "-16.5", "Liabilities Current": "0.854", "Economic Capital Ratio": "-2.81"}, "2016": {"Assets, Current": "-0.746", "Assets": "-30.5", "Liabilities": "19.4", "Stockholders Equity": "-20.4", "ECR before LimitedLiability": "0.472", "Reinsurance Recoverables": "0.800", "Intangible Assets": "-1.73", "Premiums Receivable": "-2.90", "Deferred Policy Acquisition Costs": "0.353", "Investments": "-30.3", "Separate Account Asset": "-1.70", "Other Assets": "7.62", "Assets, Non-Current": "-1.35", "Unearned Premiums": "-13.9", "Policyholder Contract Deposits": "5.00", "Long Term Debt": "7.16", "Liabilities Current": "1.12", "Other Liabilities": "17.9", "Claims Reserve and LAE": "18.4", "Reinsurance Payable": "-3.36", "Economic Capital Ratio": "0.712"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000891166_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "229,685", "Assets, Non-Current": "8,593", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "12,996", "General and Administrative Expense": "67,834", "Insurance Commissions and Fees": "19,507", "Intangible Assets": "0", "Investment Income": "788", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "21,691", "Other Assets": "268,123", "Other Compr. Net Income": "0", "Other Expenses": "13,609", "Other Liabilities": "274,991", "Other Net Income": "0", "Other Revenues": "6,581", "Policyholder Benefits and Claims": "124,309", "Policyholder Contract Deposits": "0", "Premiums Earned": "198,985", "Premiums Receivable": "45,828", "Reinsurance Payable": "87,497", "Reinsurance Recoverables": "328,801", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "359,842"}, "output_variables": {"Assets": "894,026", "Liabilities": "744,021", "Expenses": "205,752", "Revenues": "225,861", "Stockholders Equity": "150,005", "Net Income": "20,109", "Comprehensive Net Income": "20,109", "BaseVar": "11,718,342", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "83%"}}, "2012": {"input_variables": {"Assets, Current": "347,392", "Assets, Non-Current": "10,546", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "17,282", "General and Administrative Expense": "91,193", "Insurance Commissions and Fees": "20,383", "Intangible Assets": "0", "Investment Income": "441", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "20,221", "Other Assets": "171,278", "Other Compr. Net Income": "0", "Other Expenses": "22,247", "Other Liabilities": "268,670", "Other Net Income": "0", "Other Revenues": "17,995", "Policyholder Benefits and Claims": "126,187", "Policyholder Contract Deposits": "0", "Premiums Earned": "231,120", "Premiums Receivable": "50,125", "Reinsurance Payable": "85,259", "Reinsurance Recoverables": "329,112", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "388,071"}, "output_variables": {"Assets": "925,735", "Liabilities": "762,221", "Expenses": "239,627", "Revenues": "269,939", "Stockholders Equity": "163,514", "Net Income": "30,312", "Comprehensive Net Income": "30,312", "BaseVar": "15,656,943", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "83%"}}, "2013": {"input_variables": {"Assets, Current": "117,275", "Assets, Non-Current": "11,361", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "91,988", "Insurance Commissions and Fees": "18,615", "Intangible Assets": "0", "Investment Income": "1,928", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "37,240", "Other Assets": "395,932", "Other Compr. Net Income": "-376", "Other Expenses": "41,579", "Other Liabilities": "237,521", "Other Net Income": "0", "Other Revenues": "12,961", "Policyholder Benefits and Claims": "108,615", "Policyholder Contract Deposits": "0", "Premiums Earned": "267,655", "Premiums Receivable": "46,461", "Reinsurance Payable": "86,232", "Reinsurance Recoverables": "349,061", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "383,488"}, "output_variables": {"Assets": "920,090", "Liabilities": "744,481", "Expenses": "242,182", "Revenues": "301,159", "Stockholders Equity": "175,609", "Net Income": "58,977", "Comprehensive Net Income": "58,789", "BaseVar": "10,206,717", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "83%"}}, "2014": {"input_variables": {"Assets, Current": "115,397", "Assets, Non-Current": "20,066", "Claims Reserve and LAE": "134,353", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "25,660", "General and Administrative Expense": "130,532", "Insurance Commissions and Fees": "13,920", "Intangible Assets": "0", "Investment Income": "2,357", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "30,610", "Other Assets": "453,972", "Other Compr. Net Income": "-6,871", "Other Expenses": "95,319", "Other Liabilities": "66,081", "Other Net Income": "0", "Other Revenues": "23,357", "Policyholder Benefits and Claims": "123,222", "Policyholder Contract Deposits": "0", "Premiums Earned": "344,748", "Premiums Receivable": "50,987", "Reinsurance Payable": "66,066", "Reinsurance Recoverables": "245,692", "Revenues Y+1": "379,682", "Revenues Y+2": "383,572", "Revenues Y+3": "384,140", "Revenues Y+4": "384,351", "Revenues Y+5": "384,382", "Separate Account Asset": "0", "Unearned Premiums": "395,748"}, "output_variables": {"Assets": "911,774", "Liabilities": "692,858", "Expenses": "349,072", "Revenues": "384,382", "Stockholders Equity": "218,916", "Net Income": "35,309", "Comprehensive Net Income": "31,874", "BaseVar": "17,551,748", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2015": {"input_variables": {"Assets, Current": "197,014", "Assets, Non-Current": "31,628", "Claims Reserve and LAE": "98,840", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "60,019", "General and Administrative Expense": "266,182", "Insurance Commissions and Fees": "14,905", "Intangible Assets": "0", "Investment Income": "6,674", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "24,050", "Other Assets": "516,381", "Other Compr. Net Income": "-4,767", "Other Expenses": "118,859", "Other Liabilities": "61,615", "Other Net Income": "0", "Other Revenues": "23,171", "Policyholder Benefits and Claims": "191,532", "Policyholder Contract Deposits": "0", "Premiums Earned": "643,393", "Premiums Receivable": "50,980", "Reinsurance Payable": "73,585", "Reinsurance Recoverables": "137,526", "Revenues Y+1": "627,146", "Revenues Y+2": "662,330", "Revenues Y+3": "678,083", "Revenues Y+4": "685,044", "Revenues Y+5": "688,144", "Separate Account Asset": "0", "Unearned Premiums": "442,366"}, "output_variables": {"Assets": "993,548", "Liabilities": "700,456", "Expenses": "576,573", "Revenues": "688,144", "Stockholders Equity": "293,092", "Net Income": "111,571", "Comprehensive Net Income": "109,188", "BaseVar": "29,183,709", "ECR before LimitedLiability": "60%", "Economic Capital Ratio": "128%"}}, "2016": {"input_variables": {"Assets, Current": "105,730", "Assets, Non-Current": "37,045", "Claims Reserve and LAE": "58,494", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "64,912", "General and Administrative Expense": "268,210", "Insurance Commissions and Fees": "17,900", "Intangible Assets": "0", "Investment Income": "31,414", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "15,028", "Other Assets": "673,996", "Other Compr. Net Income": "-2,909", "Other Expenses": "55,177", "Other Liabilities": "58,648", "Other Net Income": "0", "Other Revenues": "24,953", "Policyholder Benefits and Claims": "378,387", "Policyholder Contract Deposits": "0", "Premiums Earned": "786,399", "Premiums Receivable": "53,833", "Reinsurance Payable": "80,891", "Reinsurance Recoverables": "124,491", "Revenues Y+1": "760,817", "Revenues Y+2": "805,573", "Revenues Y+3": "832,341", "Revenues Y+4": "849,282", "Revenues Y+5": "860,666", "Separate Account Asset": "0", "Unearned Premiums": "475,756"}, "output_variables": {"Assets": "1,060,007", "Liabilities": "688,817", "Expenses": "701,773", "Revenues": "860,666", "Stockholders Equity": "371,190", "Net Income": "158,893", "Comprehensive Net Income": "157,438", "BaseVar": "32,307,114", "ECR before LimitedLiability": "79%", "Economic Capital Ratio": "143%"}}}, "top_rated": false, "trend": 14.0, "valuation": {"past_accumulated_profits": 185595000.0, "future_profits": 508167602.46588504, "valuation_correction": -2702484.811664101, "limited_liability_put_option": 555535324.6090708, "fair_value": 1246595442.2632918, "market_value": 691506270.1672554}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000891166.svg", "value": 0.9350799814730114, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000891166.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000891166.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000891166.svg"}, {"company_id": "0001598665", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001598665.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Heritage Insurance Holdings Inc", "rank": 18, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Heritage Insurance Holdings Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Heritage Insurance Holdings Inc is the variable Investments, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 0.58% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001598665_2017_Heritage_Insurance_Holdings_Inc.pdf", "shrinked_graph_json": {"2014": {"Investments": "-19.7", "Assets": "-13.5", "Liabilities": "22.7", "Stockholders Equity": "-1.59", "ECR before LimitedLiability": "4.77", "Other Assets": "11.7", "Separate Account Asset": "-2.68", "Assets, Current": "7.82", "Intangible Assets": "-0.920", "Deferred Policy Acquisition Costs": "0.516", "Premiums Receivable": "-1.34", "Reinsurance Recoverables": "0.508", "Other Liabilities": "18.1", "Long Term Debt": "3.26", "Policyholder Contract Deposits": "3.26", "Reinsurance Payable": "-0.314", "Unearned Premiums": "-19.2", "Claims Reserve and LAE": "16.0", "Liabilities Current": "0.709", "Economic Capital Ratio": "5.14", "Premiums Earned": "-0.384"}, "2015": {"Separate Account Asset": "-2.77", "Assets": "-19.6", "Liabilities": "23.6", "Stockholders Equity": "-5.11", "ECR before LimitedLiability": "5.81", "Other Assets": "6.92", "Assets, Current": "9.25", "Premiums Receivable": "-1.74", "Assets, Non-Current": "-0.385", "Investments": "-23.3", "Reinsurance Recoverables": "1.40", "Intangible Assets": "-0.832", "Policyholder Contract Deposits": "7.46", "Long Term Debt": "4.65", "Other Liabilities": "19.5", "Claims Reserve and LAE": "22.3", "Reinsurance Payable": "-3.28", "Unearned Premiums": "-14.2", "Liabilities Current": "0.811", "Economic Capital Ratio": "6.10", "Premiums Earned": "-0.371"}, "2016": {"Assets, Current": "0.962", "Assets": "-19.5", "Liabilities": "17.9", "Stockholders Equity": "-8.83", "ECR before LimitedLiability": "0.343", "Reinsurance Recoverables": "1.55", "Intangible Assets": "1.95", "Premiums Receivable": "-1.79", "Investments": "-24.8", "Separate Account Asset": "-1.19", "Other Assets": "15.8", "Assets, Non-Current": "-1.03", "Unearned Premiums": "-9.08", "Policyholder Contract Deposits": "3.48", "Long Term Debt": "5.63", "Liabilities Current": "0.776", "Other Liabilities": "11.4", "Claims Reserve and LAE": "17.8", "Reinsurance Payable": "-5.19", "Premiums Earned": "-0.250", "Economic Capital Ratio": "0.582"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001598665_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "160,481", "Assets, Non-Current": "22,267", "Claims Reserve and LAE": "51,469", "Deferred Acquisition Costs Amortization": "36,510", "Deferred Policy Acquisition Costs": "24,370", "General and Administrative Expense": "33,498", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,849", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "344,737", "Other Compr. Net Income": "2,513", "Other Expenses": "27,155", "Other Liabilities": "50,224", "Other Net Income": "0", "Other Revenues": "6,359", "Policyholder Benefits and Claims": "89,560", "Policyholder Contract Deposits": "0", "Premiums Earned": "223,612", "Premiums Receivable": "20,028", "Reinsurance Payable": "17,113", "Reinsurance Recoverables": "43,148", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "241,136"}, "output_variables": {"Assets": "615,031", "Liabilities": "359,942", "Expenses": "186,723", "Revenues": "233,820", "Stockholders Equity": "255,089", "Net Income": "47,097", "Comprehensive Net Income": "48,354", "BaseVar": "10,058,889", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2015": {"input_variables": {"Assets, Current": "236,277", "Assets, Non-Current": "32,685", "Claims Reserve and LAE": "83,722", "Deferred Acquisition Costs Amortization": "57,186", "Deferred Policy Acquisition Costs": "34,800", "General and Administrative Expense": "46,125", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "8,929", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "424,554", "Other Compr. Net Income": "-3,756", "Other Expenses": "57,778", "Other Liabilities": "34,420", "Other Net Income": "0", "Other Revenues": "9,595", "Policyholder Benefits and Claims": "141,191", "Policyholder Contract Deposits": "0", "Premiums Earned": "376,268", "Premiums Receivable": "30,565", "Reinsurance Payable": "60,210", "Reinsurance Recoverables": "78,517", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "302,493"}, "output_variables": {"Assets": "837,398", "Liabilities": "480,845", "Expenses": "302,280", "Revenues": "394,792", "Stockholders Equity": "356,553", "Net Income": "92,512", "Comprehensive Net Income": "90,634", "BaseVar": "16,302,604", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2016": {"input_variables": {"Assets, Current": "105,817", "Assets, Non-Current": "22,954", "Claims Reserve and LAE": "140,137", "Deferred Acquisition Costs Amortization": "84,421", "Deferred Policy Acquisition Costs": "42,779", "General and Administrative Expense": "58,910", "Insurance Commissions and Fees": "0", "Intangible Assets": "72,996", "Investment Income": "9,181", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "639,369", "Other Compr. Net Income": "-2,985", "Other Expenses": "22,900", "Other Liabilities": "120,457", "Other Net Income": "0", "Other Revenues": "18,056", "Policyholder Benefits and Claims": "238,862", "Policyholder Contract Deposits": "0", "Premiums Earned": "411,721", "Premiums Receivable": "42,720", "Reinsurance Payable": "96,667", "Reinsurance Recoverables": "106,609", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "318,024"}, "output_variables": {"Assets": "1,033,244", "Liabilities": "675,285", "Expenses": "405,093", "Revenues": "438,958", "Stockholders Equity": "357,959", "Net Income": "33,865", "Comprehensive Net Income": "32,372", "BaseVar": "17,863,020", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": -9.0, "valuation": {"past_accumulated_profits": 178979500.0, "future_profits": 0.0, "valuation_correction": -20992320.809450317, "limited_liability_put_option": 639714214.0034136, "fair_value": 797701393.1939633, "market_value": 438746384.64430815}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001598665.svg", "value": 0.9337873611673706, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001598665.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001598665.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001598665.svg"}, {"company_id": "0000020286", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000020286.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Cincinnati Financial CORP", "rank": 19, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Cincinnati Financial CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Cincinnati Financial CORP is the variable Other Assets, reducing the Economic Capital Ratio by 7.8% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 0.58% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000020286_2017_Cincinnati_Financial_CORP.pdf", "shrinked_graph_json": {"2010": {"Assets": "-1.61", "Liabilities": "9.00", "Stockholders Equity": "6.03", "ECR before LimitedLiability": "3.52", "Assets, Current": "-0.324", "Investments": "9.70", "Intangible Assets": "-0.860", "Assets, Non-Current": "-0.541", "Separate Account Asset": "-2.13", "Premiums Receivable": "1.37", "Other Assets": "-6.86", "Liabilities Current": "0.440", "Reinsurance Payable": "0.310", "Other Liabilities": "9.10", "Unearned Premiums": "-2.51", "Long Term Debt": "-2.01", "Policyholder Contract Deposits": "4.85", "Claims Reserve and LAE": "-1.44", "Economic Capital Ratio": "3.63", "Premiums Earned": "-0.231", "Other Revenues": "0.307"}, "2011": {"Reinsurance Recoverables": "-0.397", "Assets": "-1.81", "Liabilities": "7.75", "Stockholders Equity": "4.61", "ECR before LimitedLiability": "1.92", "Intangible Assets": "-0.661", "Assets, Non-Current": "-0.334", "Other Assets": "-5.75", "Separate Account Asset": "-2.00", "Assets, Current": "-0.240", "Premiums Receivable": "1.27", "Investments": "7.58", "Liabilities Current": "0.296", "Long Term Debt": "-1.71", "Other Liabilities": "9.96", "Policyholder Contract Deposits": "4.46", "Claims Reserve and LAE": "-6.62", "Reinsurance Payable": "0.587", "Economic Capital Ratio": "2.09", "Other Revenues": "0.224", "Premiums Earned": "-0.176"}, "2012": {"Assets, Current": "-0.486", "Assets": "-1.14", "Liabilities": "7.95", "Stockholders Equity": "5.65", "ECR before LimitedLiability": "2.62", "Separate Account Asset": "-2.05", "Other Assets": "-4.74", "Deferred Policy Acquisition Costs": "0.324", "Intangible Assets": "-0.658", "Reinsurance Recoverables": "-0.444", "Assets, Non-Current": "-0.282", "Investments": "6.86", "Premiums Receivable": "1.49", "Reinsurance Payable": "0.613", "Other Liabilities": "8.78", "Claims Reserve and LAE": "-5.22", "Long Term Debt": "-1.53", "Policyholder Contract Deposits": "4.55", "Liabilities Current": "0.365", "Economic Capital Ratio": "2.79", "Other Expenses": "0.154"}, "2013": {"Intangible Assets": "-0.691", "Assets": "-4.15", "Liabilities": "11.8", "Stockholders Equity": "5.11", "ECR before LimitedLiability": "3.28", "Assets, Current": "-1.05", "Reinsurance Recoverables": "-0.539", "Separate Account Asset": "-2.73", "Investments": "8.67", "Assets, Non-Current": "-0.338", "Other Assets": "-7.28", "Premiums Receivable": "1.30", "Deferred Policy Acquisition Costs": "0.410", "Liabilities Current": "0.391", "Long Term Debt": "-0.681", "Reinsurance Payable": "0.585", "Claims Reserve and LAE": "-1.12", "Other Liabilities": "7.87", "Policyholder Contract Deposits": "5.31", "Economic Capital Ratio": "3.51", "Other Revenues": "0.301"}, "2014": {"Investments": "13.0", "Assets": "-1.63", "Liabilities": "4.28", "Stockholders Equity": "1.52", "ECR before LimitedLiability": "0.401", "Other Assets": "-8.70", "Separate Account Asset": "-0.378", "Assets, Non-Current": "-0.584", "Assets, Current": "-1.69", "Intangible Assets": "-0.707", "Deferred Policy Acquisition Costs": "0.478", "Premiums Receivable": "1.23", "Reinsurance Recoverables": "-0.518", "Other Liabilities": "3.46", "Long Term Debt": "-0.693", "Policyholder Contract Deposits": "-0.422", "Reinsurance Payable": "1.15", "Claims Reserve and LAE": "0.276", "Liabilities Current": "0.489", "Economic Capital Ratio": "0.765", "Other Revenues": "0.237"}, "2015": {"Separate Account Asset": "-0.267", "Assets": "-4.96", "Liabilities": "7.91", "Stockholders Equity": "0.174", "Economic Capital Ratio": "0.394", "Other Assets": "-8.57", "Assets, Current": "-1.34", "Premiums Receivable": "1.07", "Assets, Non-Current": "-0.597", "Investments": "7.11", "Deferred Policy Acquisition Costs": "0.300", "Reinsurance Recoverables": "-0.361", "Intangible Assets": "-0.581", "Policyholder Contract Deposits": "2.05", "Other Liabilities": "1.11", "Claims Reserve and LAE": "3.29", "Reinsurance Payable": "1.19", "Liabilities Current": "0.490", "General and Administrative Expense": "-0.144", "Other Revenues": "0.213", "Premiums Earned": "-0.159"}, "2016": {"Assets, Current": "-0.565", "Assets": "-1.47", "Liabilities": "3.96", "Stockholders Equity": "1.47", "ECR before LimitedLiability": "0.337", "Reinsurance Recoverables": "-0.598", "Intangible Assets": "-0.767", "Premiums Receivable": "1.03", "Deferred Policy Acquisition Costs": "0.356", "Investments": "8.56", "Separate Account Asset": "0.909", "Other Assets": "-7.79", "Assets, Non-Current": "-0.449", "Policyholder Contract Deposits": "-0.290", "Long Term Debt": "0.942", "Liabilities Current": "0.489", "Other Liabilities": "-1.68", "Claims Reserve and LAE": "3.63", "Reinsurance Payable": "0.811", "Economic Capital Ratio": "0.576", "Other Revenues": "0.206"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000020286_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "385,000", "Assets, Non-Current": "296,000", "Claims Reserve and LAE": "4,200,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "488,000", "General and Administrative Expense": "16,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "677,000", "Investments": "11,508,000", "Liabilities Current": "0", "Long Term Debt": "790,000", "Other Assets": "192,000", "Other Compr. Net Income": "145,000", "Other Expenses": "1,199,000", "Other Liabilities": "2,899,000", "Other Net Income": "0", "Other Revenues": "13,000", "Policyholder Benefits and Claims": "2,180,000", "Policyholder Contract Deposits": "621,000", "Premiums Earned": "3,082,000", "Premiums Receivable": "1,015,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "590,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "621,000", "Unearned Premiums": "1,553,000"}, "output_variables": {"Assets": "15,095,000", "Liabilities": "10,063,000", "Expenses": "3,395,000", "Revenues": "3,772,000", "Stockholders Equity": "5,032,000", "Net Income": "377,000", "Comprehensive Net Income": "449,500", "BaseVar": "123,703,620", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2011": {"input_variables": {"Assets, Current": "438,000", "Assets, Non-Current": "320,000", "Claims Reserve and LAE": "4,339,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "510,000", "General and Administrative Expense": "13,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "595,000", "Investments": "11,801,000", "Liabilities Current": "0", "Long Term Debt": "821,000", "Other Assets": "195,000", "Other Compr. Net Income": "132,000", "Other Expenses": "1,100,000", "Other Liabilities": "3,149,000", "Other Net Income": "0", "Other Revenues": "14,000", "Policyholder Benefits and Claims": "2,524,000", "Policyholder Contract Deposits": "671,000", "Premiums Earned": "3,194,000", "Premiums Receivable": "1,087,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "646,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "671,000", "Unearned Premiums": "1,633,000"}, "output_variables": {"Assets": "15,668,000", "Liabilities": "10,613,000", "Expenses": "3,637,000", "Revenues": "3,803,000", "Stockholders Equity": "5,055,000", "Net Income": "166,000", "Comprehensive Net Income": "232,000", "BaseVar": "204,352,621", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2012": {"input_variables": {"Assets, Current": "487,000", "Assets, Non-Current": "278,000", "Claims Reserve and LAE": "4,230,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "470,000", "General and Administrative Expense": "14,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "573,000", "Investments": "12,534,000", "Liabilities Current": "0", "Long Term Debt": "827,000", "Other Assets": "190,000", "Other Compr. Net Income": "228,000", "Other Expenses": "1,354,000", "Other Liabilities": "3,512,000", "Other Net Income": "0", "Other Revenues": "16,000", "Policyholder Benefits and Claims": "2,322,000", "Policyholder Contract Deposits": "734,000", "Premiums Earned": "3,522,000", "Premiums Receivable": "1,214,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "641,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "734,000", "Unearned Premiums": "1,792,000"}, "output_variables": {"Assets": "16,548,000", "Liabilities": "11,095,000", "Expenses": "3,690,000", "Revenues": "4,111,000", "Stockholders Equity": "5,453,000", "Net Income": "421,000", "Comprehensive Net Income": "535,000", "BaseVar": "247,222,663", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2013": {"input_variables": {"Assets, Current": "433,000", "Assets, Non-Current": "283,000", "Claims Reserve and LAE": "4,311,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "565,000", "General and Administrative Expense": "14,842", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "607,908", "Investments": "13,564,000", "Liabilities Current": "0", "Long Term Debt": "835,000", "Other Assets": "206,000", "Other Compr. Net Income": "457,551", "Other Expenses": "1,484,643", "Other Liabilities": "3,778,000", "Other Net Income": "0", "Other Revenues": "17,108", "Policyholder Benefits and Claims": "2,532,589", "Policyholder Contract Deposits": "692,000", "Premiums Earned": "3,923,127", "Premiums Receivable": "1,346,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "573,000", "Revenues Y+1": "4,546,540", "Revenues Y+2": "4,548,140", "Revenues Y+3": "4,548,134", "Revenues Y+4": "4,548,144", "Revenues Y+5": "4,548,143", "Separate Account Asset": "692,000", "Unearned Premiums": "1,976,000"}, "output_variables": {"Assets": "17,662,000", "Liabilities": "11,592,000", "Expenses": "4,032,074", "Revenues": "4,548,143", "Stockholders Equity": "6,070,000", "Net Income": "516,069", "Comprehensive Net Income": "744,844", "BaseVar": "170,450,593", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "110%"}}, "2014": {"input_variables": {"Assets, Current": "591,000", "Assets, Non-Current": "269,000", "Claims Reserve and LAE": "4,485,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "578,000", "General and Administrative Expense": "14,160", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "675,007", "Investments": "14,386,000", "Liabilities Current": "0", "Long Term Debt": "827,000", "Other Assets": "198,000", "Other Compr. Net Income": "210,757", "Other Expenses": "1,364,789", "Other Liabilities": "4,034,000", "Other Net Income": "0", "Other Revenues": "20,387", "Policyholder Benefits and Claims": "2,914,621", "Policyholder Contract Deposits": "752,000", "Premiums Earned": "4,266,769", "Premiums Receivable": "1,405,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "574,000", "Revenues Y+1": "4,959,794", "Revenues Y+2": "4,962,143", "Revenues Y+3": "4,962,146", "Revenues Y+4": "4,962,164", "Revenues Y+5": "4,962,163", "Separate Account Asset": "752,000", "Unearned Premiums": "2,082,000"}, "output_variables": {"Assets": "18,753,000", "Liabilities": "12,180,000", "Expenses": "4,293,571", "Revenues": "4,962,163", "Stockholders Equity": "6,573,000", "Net Income": "668,592", "Comprehensive Net Income": "773,971", "BaseVar": "229,640,485", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "111%"}}, "2015": {"input_variables": {"Assets, Current": "544,000", "Assets, Non-Current": "339,000", "Claims Reserve and LAE": "4,718,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "616,000", "General and Administrative Expense": "13,157", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "646,150", "Investments": "14,423,000", "Liabilities Current": "0", "Long Term Debt": "821,000", "Other Assets": "191,000", "Other Compr. Net Income": "-4,089,114", "Other Expenses": "1,432,884", "Other Liabilities": "3,973,000", "Other Net Income": "0", "Other Revenues": "20,000", "Policyholder Benefits and Claims": "2,800,425", "Policyholder Contract Deposits": "748,000", "Premiums Earned": "4,498,546", "Premiums Receivable": "1,431,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "596,000", "Revenues Y+1": "5,163,831", "Revenues Y+2": "5,164,543", "Revenues Y+3": "5,164,696", "Revenues Y+4": "5,164,695", "Revenues Y+5": "5,164,696", "Separate Account Asset": "748,000", "Unearned Premiums": "2,201,000"}, "output_variables": {"Assets": "18,888,000", "Liabilities": "12,461,000", "Expenses": "4,246,466", "Revenues": "5,164,696", "Stockholders Equity": "6,427,000", "Net Income": "918,230", "Comprehensive Net Income": "-1,126,327", "BaseVar": "317,019,955", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2016": {"input_variables": {"Assets, Current": "777,000", "Assets, Non-Current": "381,000", "Claims Reserve and LAE": "5,085,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "637,000", "General and Administrative Expense": "12,154", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "710,635", "Investments": "15,500,000", "Liabilities Current": "0", "Long Term Debt": "826,000", "Other Assets": "185,000", "Other Compr. Net Income": "-155,800", "Other Expenses": "1,511,858", "Other Liabilities": "4,342,000", "Other Net Income": "0", "Other Revenues": "20,000", "Policyholder Benefits and Claims": "3,153,034", "Policyholder Contract Deposits": "766,000", "Premiums Earned": "4,729,362", "Premiums Receivable": "1,533,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "607,000", "Revenues Y+1": "5,457,474", "Revenues Y+2": "5,460,004", "Revenues Y+3": "5,459,973", "Revenues Y+4": "5,459,998", "Revenues Y+5": "5,459,997", "Separate Account Asset": "766,000", "Unearned Premiums": "2,307,000"}, "output_variables": {"Assets": "20,386,000", "Liabilities": "13,326,000", "Expenses": "4,677,046", "Revenues": "5,459,997", "Stockholders Equity": "7,060,000", "Net Income": "782,951", "Comprehensive Net Income": "705,051", "BaseVar": "223,539,576", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 3530000000.0, "future_profits": 2389072162.8898997, "valuation_correction": -190216.12023250223, "limited_liability_put_option": 12313261450.09738, "fair_value": 18232143396.867046, "market_value": 9763882549.074951}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000020286.svg", "value": 0.9337243221871662, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000020286.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000020286.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000020286.svg"}, {"company_id": "0001669162", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001669162.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Kinsale Capital Group Inc", "rank": 20, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Kinsale Capital Group Inc compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Kinsale Capital Group Inc is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 0.26% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001669162_2017_Kinsale_Capital_Group_Inc.pdf", "shrinked_graph_json": {"2016": {"Assets, Current": "1.79", "Assets": "5.89", "Liabilities": "-3.51", "Stockholders Equity": "3.95", "Economic Capital Ratio": "0.262", "Reinsurance Recoverables": "4.75", "Intangible Assets": "-0.655", "Premiums Receivable": "-0.735", "Investments": "10.2", "Separate Account Asset": "-0.646", "Other Assets": "-5.82", "Assets, Non-Current": "-0.926", "Unearned Premiums": "-3.34", "Policyholder Contract Deposits": "1.88", "Long Term Debt": "3.05", "Liabilities Current": "0.414", "Other Liabilities": "9.12", "Claims Reserve and LAE": "-12.5", "Reinsurance Payable": "-3.84", "Premiums Earned": "-0.275", "Other Revenues": "0.205"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001669162_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets, Current": "50,752", "Assets, Non-Current": "2,074", "Claims Reserve and LAE": "264,801", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "10,150", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "7,487", "Investments": "429,597", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "21,003", "Other Compr. Net Income": "-640", "Other Expenses": "44,487", "Other Liabilities": "9,443", "Other Net Income": "0", "Other Revenues": "312", "Policyholder Benefits and Claims": "70,961", "Policyholder Contract Deposits": "0", "Premiums Earned": "133,816", "Premiums Receivable": "16,984", "Reinsurance Payable": "40,587", "Reinsurance Recoverables": "83,829", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "89,344"}, "output_variables": {"Assets": "614,389", "Liabilities": "404,175", "Expenses": "115,448", "Revenues": "141,615", "Stockholders Equity": "210,214", "Net Income": "26,167", "Comprehensive Net Income": "25,847", "BaseVar": "5,684,041", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 105107000.0, "future_profits": 0.0, "valuation_correction": -12688502.769663218, "limited_liability_put_option": 381509871.5001149, "fair_value": 473928368.7304517, "market_value": 672564573.9242363}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001669162.svg", "value": 0.9305814239074848, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001669162.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001669162.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001669162.svg"}, {"company_id": "0001472787", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001472787.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "First American Financial Corp", "rank": 21, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of First American Financial Corp compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 19% points.The greatest weakness of First American Financial Corp is the variable Assets, reducing the Economic Capital Ratio by 31% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 0.21% points above the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001472787_2017_First_American_Financial_Corp.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-3.05", "Assets": "-33.7", "Liabilities": "19.8", "Stockholders Equity": "-12.8", "ECR before LimitedLiability": "3.98", "Assets, Current": "1.91", "Investments": "-26.1", "Intangible Assets": "4.88", "Separate Account Asset": "-8.81", "Premiums Receivable": "-3.96", "Reinsurance Recoverables": "-4.04", "Other Assets": "-10.9", "Liabilities Current": "1.13", "Other Liabilities": "16.9", "Unearned Premiums": "10.5", "Long Term Debt": "3.80", "Policyholder Contract Deposits": "16.8", "Claims Reserve and LAE": "17.0", "Economic Capital Ratio": "4.09", "General and Administrative Expense": "1.45", "Other Revenues": "-1.92"}, "2011": {"Reinsurance Recoverables": "-5.49", "Assets": "-34.6", "Liabilities": "23.8", "Stockholders Equity": "-15.8", "ECR before LimitedLiability": "5.65", "Intangible Assets": "5.75", "Other Assets": "-9.29", "Separate Account Asset": "-9.09", "Premiums Receivable": "-4.61", "Deferred Policy Acquisition Costs": "-3.32", "Investments": "-27.6", "Liabilities Current": "0.868", "Long Term Debt": "5.02", "Other Liabilities": "20.7", "Unearned Premiums": "18.0", "Policyholder Contract Deposits": "19.1", "Claims Reserve and LAE": "19.2", "Reinsurance Payable": "1.72", "Economic Capital Ratio": "5.81", "General and Administrative Expense": "0.844", "Other Revenues": "-1.03"}, "2012": {"Assets": "-34.6", "Liabilities": "24.8", "Stockholders Equity": "-14.7", "ECR before LimitedLiability": "6.58", "Separate Account Asset": "-9.51", "Other Assets": "-7.99", "Deferred Policy Acquisition Costs": "-2.50", "Intangible Assets": "4.91", "Reinsurance Recoverables": "-5.46", "Assets, Non-Current": "0.712", "Investments": "-28.2", "Premiums Receivable": "-4.63", "Reinsurance Payable": "1.85", "Other Liabilities": "21.5", "Claims Reserve and LAE": "21.3", "Unearned Premiums": "19.0", "Long Term Debt": "5.28", "Policyholder Contract Deposits": "20.2", "Liabilities Current": "1.10", "Economic Capital Ratio": "6.75", "Other Revenues": "-1.02"}, "2013": {"Intangible Assets": "4.32", "Assets": "-35.9", "Liabilities": "23.3", "Stockholders Equity": "-17.7", "ECR before LimitedLiability": "5.38", "Reinsurance Recoverables": "-4.95", "Separate Account Asset": "-10.3", "Investments": "-27.1", "Other Assets": "-13.9", "Premiums Receivable": "-5.23", "Deferred Policy Acquisition Costs": "-2.63", "Liabilities Current": "1.12", "Long Term Debt": "6.87", "Unearned Premiums": "18.6", "Reinsurance Payable": "1.67", "Claims Reserve and LAE": "19.6", "Other Liabilities": "19.6", "Policyholder Contract Deposits": "19.5", "Economic Capital Ratio": "5.61", "Other Revenues": "-1.60", "General and Administrative Expense": "1.18"}, "2014": {"Investments": "-20.7", "Assets": "-31.5", "Liabilities": "18.9", "Stockholders Equity": "-22.1", "ECR before LimitedLiability": "-0.551", "Other Assets": "-15.2", "Separate Account Asset": "-4.68", "Assets, Non-Current": "0.566", "Intangible Assets": "4.50", "Deferred Policy Acquisition Costs": "-2.01", "Premiums Receivable": "-4.58", "Reinsurance Recoverables": "-4.12", "Other Liabilities": "5.99", "Long Term Debt": "5.11", "Policyholder Contract Deposits": "5.11", "Reinsurance Payable": "2.63", "Unearned Premiums": "15.6", "Claims Reserve and LAE": "17.4", "Liabilities Current": "1.12", "Economic Capital Ratio": "-0.188", "Other Revenues": "-1.15", "General and Administrative Expense": "0.872"}, "2015": {"Separate Account Asset": "-4.20", "Assets": "-32.2", "Liabilities": "19.0", "Stockholders Equity": "-21.7", "ECR before LimitedLiability": "-0.352", "Other Assets": "-14.3", "Premiums Receivable": "-4.73", "Investments": "-22.6", "Deferred Policy Acquisition Costs": "-2.45", "Reinsurance Recoverables": "-3.69", "Intangible Assets": "4.44", "Policyholder Contract Deposits": "9.75", "Long Term Debt": "6.13", "Other Liabilities": "-2.95", "Claims Reserve and LAE": "17.5", "Reinsurance Payable": "2.61", "Unearned Premiums": "15.7", "Liabilities Current": "1.08", "Economic Capital Ratio": "-0.0658", "General and Administrative Expense": "0.934", "Other Revenues": "-1.31", "Premiums Earned": "0.539"}, "2016": {"Assets": "-31.3", "Liabilities": "19.0", "Stockholders Equity": "-21.4", "Economic Capital Ratio": "0.212", "Reinsurance Recoverables": "-4.19", "Intangible Assets": "3.91", "Premiums Receivable": "-4.98", "Deferred Policy Acquisition Costs": "-2.32", "Investments": "-22.5", "Separate Account Asset": "-1.74", "Other Assets": "-13.3", "Unearned Premiums": "16.0", "Policyholder Contract Deposits": "5.05", "Long Term Debt": "8.10", "Liabilities Current": "1.13", "Other Liabilities": "-7.23", "Claims Reserve and LAE": "17.8", "Reinsurance Payable": "1.87", "Premiums Earned": "0.619", "General and Administrative Expense": "1.06", "Other Revenues": "-1.45", "Policyholder Benefits and Claims": "-0.418"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001472787_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "728,746", "Assets, Non-Current": "544,065", "Claims Reserve and LAE": "1,108,238", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "3,242,042", "Insurance Commissions and Fees": "0", "Intangible Assets": "882,081", "Investment Income": "10,209", "Investments": "2,647,151", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,019,783", "Other Compr. Net Income": "-2,792", "Other Expenses": "214,740", "Other Liabilities": "2,719,867", "Other Net Income": "0", "Other Revenues": "3,896,403", "Policyholder Benefits and Claims": "320,874", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "5,821,826", "Liabilities": "3,828,105", "Expenses": "3,777,656", "Revenues": "3,906,612", "Stockholders Equity": "1,993,721", "Net Income": "128,956", "Comprehensive Net Income": "127,560", "BaseVar": "121,649,586", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2011": {"input_variables": {"Assets, Current": "418,299", "Assets, Non-Current": "489,623", "Claims Reserve and LAE": "1,014,676", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "3,135,511", "Insurance Commissions and Fees": "0", "Intangible Assets": "878,414", "Investment Income": "-114", "Investments": "2,642,917", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "941,084", "Other Compr. Net Income": "-28,606", "Other Expenses": "186,348", "Other Liabilities": "2,320,722", "Other Net Income": "0", "Other Revenues": "3,820,688", "Policyholder Benefits and Claims": "420,136", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "5,370,337", "Liabilities": "3,335,398", "Expenses": "3,741,995", "Revenues": "3,820,574", "Stockholders Equity": "2,034,939", "Net Income": "78,579", "Comprehensive Net Income": "64,276", "BaseVar": "196,049,206", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2012": {"input_variables": {"Assets, Current": "627,208", "Assets, Non-Current": "504,162", "Claims Reserve and LAE": "976,462", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "3,541,378", "Insurance Commissions and Fees": "0", "Intangible Assets": "902,952", "Investment Income": "60,536", "Investments": "3,113,560", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "902,965", "Other Compr. Net Income": "26,216", "Other Expenses": "300,998", "Other Liabilities": "2,722,616", "Other Net Income": "0", "Other Revenues": "4,481,285", "Policyholder Benefits and Claims": "397,717", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "6,050,847", "Liabilities": "3,699,078", "Expenses": "4,240,093", "Revenues": "4,541,821", "Stockholders Equity": "2,351,769", "Net Income": "301,728", "Comprehensive Net Income": "314,836", "BaseVar": "260,925,253", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2013": {"input_variables": {"Assets, Current": "834,837", "Assets, Non-Current": "547,006", "Claims Reserve and LAE": "1,018,365", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "3,959,651", "Insurance Commissions and Fees": "0", "Intangible Assets": "892,373", "Investment Income": "58,708", "Investments": "3,385,328", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "861,056", "Other Compr. Net Income": "14,681", "Other Expenses": "275,936", "Other Liabilities": "3,045,992", "Other Net Income": "0", "Other Revenues": "4,945,754", "Policyholder Benefits and Claims": "571,118", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,005,663", "Revenues Y+2": "4,955,582", "Revenues Y+3": "5,005,057", "Revenues Y+4": "4,956,184", "Revenues Y+5": "5,004,462", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "6,520,600", "Liabilities": "4,064,357", "Expenses": "4,806,705", "Revenues": "5,004,462", "Stockholders Equity": "2,456,243", "Net Income": "197,757", "Comprehensive Net Income": "205,098", "BaseVar": "174,703,658", "ECR before LimitedLiability": "45%", "Economic Capital Ratio": "117%"}}, "2014": {"input_variables": {"Assets, Current": "1,190,080", "Assets, Non-Current": "593,913", "Claims Reserve and LAE": "1,011,780", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "3,722,627", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,015,757", "Investment Income": "19,383", "Investments": "4,033,892", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "832,458", "Other Compr. Net Income": "-40,583", "Other Expenses": "277,004", "Other Liabilities": "4,078,276", "Other Net Income": "0", "Other Revenues": "4,649,511", "Policyholder Benefits and Claims": "438,840", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "4,664,020", "Revenues Y+2": "4,677,245", "Revenues Y+3": "4,667,076", "Revenues Y+4": "4,674,873", "Revenues Y+5": "4,668,894", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "7,666,100", "Liabilities": "5,090,056", "Expenses": "4,438,472", "Revenues": "4,668,894", "Stockholders Equity": "2,576,044", "Net Income": "230,422", "Comprehensive Net Income": "210,131", "BaseVar": "213,345,242", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "111%"}}, "2015": {"input_variables": {"Assets, Current": "1,027,321", "Assets, Non-Current": "594,800", "Claims Reserve and LAE": "983,880", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,059,602", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,012,456", "Investment Income": "17,918", "Investments": "4,785,033", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "834,741", "Other Compr. Net Income": "-43,576", "Other Expenses": "745,839", "Other Liabilities": "4,508,806", "Other Net Income": "0", "Other Revenues": "5,170,855", "Policyholder Benefits and Claims": "-273,234", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,196,034", "Revenues Y+2": "5,169,612", "Revenues Y+3": "5,191,850", "Revenues Y+4": "5,173,295", "Revenues Y+5": "5,188,773", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "8,254,351", "Liabilities": "5,492,686", "Expenses": "4,532,207", "Revenues": "5,188,773", "Stockholders Equity": "2,761,665", "Net Income": "656,566", "Comprehensive Net Income": "634,778", "BaseVar": "224,832,366", "ECR before LimitedLiability": "52%", "Economic Capital Ratio": "122%"}}, "2016": {"input_variables": {"Assets, Current": "1,006,138", "Assets, Non-Current": "636,510", "Claims Reserve and LAE": "1,025,863", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,403,307", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,096,315", "Investment Income": "-6,251", "Investments": "5,140,699", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "952,115", "Other Compr. Net Income": "699", "Other Expenses": "820,226", "Other Liabilities": "4,791,565", "Other Net Income": "0", "Other Revenues": "5,423,570", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,417,082", "Revenues Y+2": "5,572,659", "Revenues Y+3": "5,417,220", "Revenues Y+4": "5,572,560", "Revenues Y+5": "5,417,318", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "8,831,777", "Liabilities": "5,817,428", "Expenses": "5,223,533", "Revenues": "5,417,318", "Stockholders Equity": "3,014,349", "Net Income": "193,785", "Comprehensive Net Income": "194,134", "BaseVar": "221,010,356", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "111%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 1507174500.0, "future_profits": 1287948486.601783, "valuation_correction": -7834.518564888816, "limited_liability_put_option": 5317447952.990438, "fair_value": 8112563105.073656, "market_value": 2978047007.7780075}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001472787.svg", "value": 0.9300878415671338, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001472787.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001472787.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001472787.svg"}, {"company_id": "0001502292", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001502292.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Presurance Holdings Inc", "rank": 22, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001502292.svg", "report_text": "The relative strengths and weaknesses of Presurance 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. <br/><br/>The greatest strength of Presurance Holdings Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Presurance Holdings Inc is the variable Assets, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 0.16% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001502292_2017_Presurance_Holdings_Inc.pdf", "shrinked_graph_json": {"2015": {"Separate Account Asset": "-2.64", "Assets": "-18.0", "Liabilities": "24.4", "Stockholders Equity": "-3.42", "ECR before LimitedLiability": "6.69", "Other Assets": "-7.30", "Assets, Current": "-3.40", "Premiums Receivable": "1.05", "Assets, Non-Current": "-0.726", "Investments": "-8.63", "Deferred Policy Acquisition Costs": "1.27", "Reinsurance Recoverables": "-2.31", "Intangible Assets": "-0.791", "Policyholder Contract Deposits": "7.21", "Other Liabilities": "20.0", "Claims Reserve and LAE": "15.8", "Reinsurance Payable": "1.47", "Unearned Premiums": "-7.30", "Liabilities Current": "0.781", "Economic Capital Ratio": "6.97", "Other Expenses": "0.688"}, "2016": {"Assets, Current": "-3.97", "Assets": "-25.0", "Liabilities": "17.6", "Stockholders Equity": "-14.2", "ECR before LimitedLiability": "-0.396", "Reinsurance Recoverables": "-3.41", "Intangible Assets": "-1.43", "Premiums Receivable": "1.04", "Deferred Policy Acquisition Costs": "0.987", "Investments": "-15.7", "Separate Account Asset": "-1.41", "Other Assets": "-9.95", "Unearned Premiums": "-5.02", "Policyholder Contract Deposits": "4.03", "Long Term Debt": "0.976", "Liabilities Current": "0.900", "Other Liabilities": "17.0", "Claims Reserve and LAE": "17.0", "Reinsurance Payable": "1.49", "Economic Capital Ratio": "-0.157", "Other Expenses": "0.873", "Policyholder Benefits and Claims": "-0.383"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001502292_strength_weakness.svg", "table_records": {"2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "5,069", "Claims Reserve and LAE": "35,422", "Deferred Acquisition Costs Amortization": "16,183", "Deferred Policy Acquisition Costs": "12,102", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "2,187", "Investments": "117,724", "Liabilities Current": "0", "Long Term Debt": "12,750", "Other Assets": "25,022", "Other Compr. Net Income": "-895", "Other Expenses": "54,505", "Other Liabilities": "3,508", "Other Net Income": "-52", "Other Revenues": "1,771", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "66,765", "Premiums Receivable": "18,010", "Reinsurance Payable": "1,069", "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": "0", "Unearned Premiums": "47,916"}, "output_variables": {"Assets": "177,927", "Liabilities": "100,665", "Expenses": "70,688", "Revenues": "70,723", "Stockholders Equity": "77,262", "Net Income": "-17", "Comprehensive Net Income": "-464", "BaseVar": "3,316,930", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "11,481", "Claims Reserve and LAE": "54,651", "Deferred Acquisition Costs Amortization": "25,280", "Deferred Policy Acquisition Costs": "13,290", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,538", "Investments": "128,530", "Liabilities Current": "0", "Long Term Debt": "17,750", "Other Assets": "25,862", "Other Compr. Net Income": "-1,262", "Other Expenses": "77,169", "Other Liabilities": "5,380", "Other Net Income": "129", "Other Revenues": "718", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "89,627", "Premiums Receivable": "24,538", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "58,126"}, "output_variables": {"Assets": "203,701", "Liabilities": "135,907", "Expenses": "102,449", "Revenues": "93,883", "Stockholders Equity": "67,794", "Net Income": "-8,437", "Comprehensive Net Income": "-9,068", "BaseVar": "4,140,145", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": -14.0, "valuation": {"past_accumulated_profits": 33897000.0, "future_profits": 0.0, "valuation_correction": -3850519.1303160004, "limited_liability_put_option": 127259817.07791121, "fair_value": 157306297.9475952, "market_value": 55485955.06327644}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001502292.svg", "value": 0.9263992482367625, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001502292.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001502292.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001502292.svg"}, {"company_id": "0001096343", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001096343.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Markel Group INC", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Markel Group INC compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 7.5% points.The greatest weakness of Markel Group INC is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 12% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 0.39% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001096343_2017_Markel_Group_INC.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.298", "Assets": "6.00", "Liabilities": "-1.17", "Stockholders Equity": "5.70", "ECR before LimitedLiability": "1.05", "Assets, Current": "1.93", "Investments": "10.8", "Intangible Assets": "-0.749", "Assets, Non-Current": "0.918", "Separate Account Asset": "-3.34", "Reinsurance Recoverables": "-1.12", "Other Assets": "-0.756", "Liabilities Current": "0.361", "Other Liabilities": "9.72", "Unearned Premiums": "-1.41", "Long Term Debt": "1.23", "Policyholder Contract Deposits": "6.09", "Claims Reserve and LAE": "-20.6", "Economic Capital Ratio": "1.16", "Other Expenses": "0.271", "Other Revenues": "0.215"}, "2011": {"Reinsurance Recoverables": "-1.71", "Assets": "0.928", "Liabilities": "3.42", "Stockholders Equity": "4.13", "ECR before LimitedLiability": "0.464", "Intangible Assets": "-0.630", "Assets, Non-Current": "0.643", "Separate Account Asset": "-3.58", "Assets, Current": "1.67", "Premiums Receivable": "-0.388", "Deferred Policy Acquisition Costs": "-0.473", "Investments": "6.12", "Liabilities Current": "0.273", "Long Term Debt": "1.61", "Other Liabilities": "-20.0", "Unearned Premiums": "1.24", "Policyholder Contract Deposits": "6.54", "Claims Reserve and LAE": "10.2", "Economic Capital Ratio": "0.625", "Other Expenses": "0.943", "Policyholder Benefits and Claims": "-0.330"}, "2012": {"Assets, Current": "1.74", "Assets": "-0.440", "Liabilities": "6.34", "Stockholders Equity": "5.10", "ECR before LimitedLiability": "1.81", "Separate Account Asset": "-3.81", "Other Assets": "1.14", "Deferred Policy Acquisition Costs": "-0.369", "Intangible Assets": "-0.653", "Reinsurance Recoverables": "-1.71", "Assets, Non-Current": "1.37", "Investments": "2.67", "Premiums Receivable": "-0.317", "Other Liabilities": "-18.2", "Claims Reserve and LAE": "10.7", "Unearned Premiums": "1.70", "Long Term Debt": "1.72", "Policyholder Contract Deposits": "7.07", "Liabilities Current": "0.355", "Economic Capital Ratio": "1.98", "Other Expenses": "0.180"}, "2013": {"Intangible Assets": "2.50", "Assets": "10.2", "Liabilities": "-6.38", "Stockholders Equity": "5.32", "ECR before LimitedLiability": "-0.673", "Assets, Current": "2.23", "Reinsurance Recoverables": "-0.765", "Separate Account Asset": "-3.33", "Investments": "9.55", "Assets, Non-Current": "1.27", "Other Assets": "-1.37", "Premiums Receivable": "0.592", "Deferred Policy Acquisition Costs": "-0.269", "Liabilities Current": "0.272", "Long Term Debt": "1.72", "Unearned Premiums": "-0.539", "Reinsurance Payable": "-0.378", "Claims Reserve and LAE": "6.40", "Other Liabilities": "-22.5", "Policyholder Contract Deposits": "5.44", "Economic Capital Ratio": "-0.439"}, "2014": {"Investments": "9.81", "Assets": "4.99", "Liabilities": "-5.23", "Stockholders Equity": "1.35", "ECR before LimitedLiability": "-2.46", "Other Assets": "-4.59", "Separate Account Asset": "-1.85", "Assets, Non-Current": "0.692", "Assets, Current": "0.752", "Intangible Assets": "2.61", "Deferred Policy Acquisition Costs": "-0.149", "Premiums Receivable": "0.175", "Reinsurance Recoverables": "-0.990", "Other Liabilities": "6.22", "Long Term Debt": "1.88", "Policyholder Contract Deposits": "1.87", "Reinsurance Payable": "0.249", "Unearned Premiums": "0.482", "Claims Reserve and LAE": "-18.5", "Liabilities Current": "0.406", "Economic Capital Ratio": "-2.09"}, "2015": {"Separate Account Asset": "-1.61", "Assets": "4.61", "Liabilities": "-3.40", "Stockholders Equity": "2.50", "ECR before LimitedLiability": "-1.41", "Other Assets": "-3.74", "Assets, Current": "2.69", "Premiums Receivable": "0.124", "Assets, Non-Current": "0.563", "Investments": "5.17", "Deferred Policy Acquisition Costs": "-0.300", "Reinsurance Recoverables": "-0.849", "Intangible Assets": "3.21", "Policyholder Contract Deposits": "3.64", "Long Term Debt": "2.25", "Other Liabilities": "3.32", "Claims Reserve and LAE": "-15.5", "Reinsurance Payable": "0.358", "Unearned Premiums": "0.556", "Liabilities Current": "0.387", "Economic Capital Ratio": "-1.12"}, "2016": {"Assets, Current": "1.06", "Assets": "5.44", "Liabilities": "-3.87", "Stockholders Equity": "3.09", "ECR before LimitedLiability": "-0.626", "Reinsurance Recoverables": "-1.13", "Intangible Assets": "2.65", "Premiums Receivable": "0.139", "Deferred Policy Acquisition Costs": "-0.214", "Investments": "7.45", "Separate Account Asset": "-0.657", "Other Assets": "-3.66", "Assets, Non-Current": "0.529", "Unearned Premiums": "0.676", "Policyholder Contract Deposits": "1.87", "Long Term Debt": "3.05", "Liabilities Current": "0.414", "Other Liabilities": "1.30", "Claims Reserve and LAE": "-12.2", "Economic Capital Ratio": "-0.387", "Other Expenses": "0.172"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001096343_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "745,259", "Assets, Non-Current": "506,063", "Claims Reserve and LAE": "5,398,406", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "188,783", "General and Administrative Expense": "168,290", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "308,892", "Investments": "7,478,537", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,514,558", "Other Compr. Net Income": "162,834", "Other Expenses": "843,145", "Other Liabilities": "1,349,239", "Other Net Income": "0", "Other Revenues": "185,580", "Policyholder Benefits and Claims": "946,229", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,730,921", "Premiums Receivable": "312,096", "Reinsurance Payable": "50,715", "Reinsurance Recoverables": "80,293", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "839,537"}, "output_variables": {"Assets": "10,825,589", "Liabilities": "7,637,897", "Expenses": "1,957,664", "Revenues": "2,225,393", "Stockholders Equity": "3,187,692", "Net Income": "267,729", "Comprehensive Net Income": "349,146", "BaseVar": "75,278,719", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2011": {"input_variables": {"Assets, Current": "775,032", "Assets, Non-Current": "465,103", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "194,674", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "263,676", "Investments": "7,953,115", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,696,868", "Other Compr. Net Income": "103,367", "Other Expenses": "2,481,464", "Other Liabilities": "7,089,500", "Other Net Income": "0", "Other Revenues": "386,934", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,979,340", "Premiums Receivable": "350,237", "Reinsurance Payable": "64,327", "Reinsurance Recoverables": "97,074", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "915,930"}, "output_variables": {"Assets": "11,532,103", "Liabilities": "8,069,757", "Expenses": "2,481,464", "Revenues": "2,629,950", "Stockholders Equity": "3,462,346", "Net Income": "148,486", "Comprehensive Net Income": "200,170", "BaseVar": "141,487,319", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2012": {"input_variables": {"Assets, Current": "973,181", "Assets, Non-Current": "663,019", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "157,465", "General and Administrative Expense": "478,248", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "282,107", "Investments": "8,359,564", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,879,144", "Other Compr. Net Income": "245,554", "Other Expenses": "1,109,548", "Other Liabilities": "7,477,873", "Other Net Income": "0", "Other Revenues": "570,877", "Policyholder Benefits and Claims": "1,154,068", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,147,128", "Premiums Receivable": "413,883", "Reinsurance Payable": "103,212", "Reinsurance Recoverables": "110,332", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,000,261"}, "output_variables": {"Assets": "12,556,588", "Liabilities": "8,581,346", "Expenses": "2,741,864", "Revenues": "3,000,112", "Stockholders Equity": "3,975,242", "Net Income": "258,248", "Comprehensive Net Income": "381,025", "BaseVar": "184,625,072", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2013": {"input_variables": {"Assets, Current": "1,978,526", "Assets, Non-Current": "1,067,922", "Claims Reserve and LAE": "1,486,574", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "260,967", "General and Administrative Expense": "651,285", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,532,800", "Investment Income": "312,915", "Investments": "14,846,622", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,743,342", "Other Compr. Net Income": "202,062", "Other Expenses": "1,460,544", "Other Liabilities": "13,296,133", "Other Net Income": "0", "Other Revenues": "1,789,784", "Policyholder Benefits and Claims": "1,628,170", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,522,926", "Premiums Receivable": "1,141,773", "Reinsurance Payable": "295,496", "Reinsurance Recoverables": "383,559", "Revenues Y+1": "4,750,877", "Revenues Y+2": "5,003,433", "Revenues Y+3": "5,216,770", "Revenues Y+4": "5,422,080", "Revenues Y+5": "5,625,625", "Separate Account Asset": "0", "Unearned Premiums": "2,127,115"}, "output_variables": {"Assets": "23,955,511", "Liabilities": "17,205,318", "Expenses": "3,740,000", "Revenues": "5,625,625", "Stockholders Equity": "6,750,193", "Net Income": "1,885,625", "Comprehensive Net Income": "1,986,656", "BaseVar": "185,540,522", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "117%"}}, "2014": {"input_variables": {"Assets, Current": "1,960,169", "Assets, Non-Current": "985,834", "Claims Reserve and LAE": "11,709,970", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "353,410", "General and Administrative Expense": "864,461", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,751,862", "Investment Income": "358,079", "Investments": "16,155,307", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,493,100", "Other Compr. Net Income": "179,492", "Other Expenses": "1,713,358", "Other Liabilities": "3,305,525", "Other Net Income": "0", "Other Revenues": "1,608,020", "Policyholder Benefits and Claims": "2,119,846", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,111,856", "Premiums Receivable": "1,135,217", "Reinsurance Payable": "276,122", "Reinsurance Recoverables": "365,458", "Revenues Y+1": "5,464,222", "Revenues Y+2": "5,664,689", "Revenues Y+3": "5,817,881", "Revenues Y+4": "5,952,735", "Revenues Y+5": "6,077,955", "Separate Account Asset": "0", "Unearned Premiums": "2,245,690"}, "output_variables": {"Assets": "25,200,357", "Liabilities": "17,537,307", "Expenses": "4,697,665", "Revenues": "6,077,955", "Stockholders Equity": "7,663,050", "Net Income": "1,380,290", "Comprehensive Net Income": "1,470,035", "BaseVar": "269,222,036", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "112%"}}, "2015": {"input_variables": {"Assets, Current": "2,630,009", "Assets, Non-Current": "944,101", "Claims Reserve and LAE": "11,375,228", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "352,756", "General and Administrative Expense": "1,079,588", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,960,216", "Investment Income": "354,353", "Investments": "15,111,204", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,506,920", "Other Compr. Net Income": "611,808", "Other Expenses": "1,786,707", "Other Liabilities": "3,271,450", "Other Net Income": "0", "Other Revenues": "2,510,662", "Policyholder Benefits and Claims": "1,997,860", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,816,738", "Premiums Receivable": "1,113,703", "Reinsurance Payable": "224,921", "Reinsurance Recoverables": "322,362", "Revenues Y+1": "5,630,016", "Revenues Y+2": "5,892,035", "Revenues Y+3": "6,155,154", "Revenues Y+4": "6,418,451", "Revenues Y+5": "6,681,753", "Separate Account Asset": "0", "Unearned Premiums": "2,166,105"}, "output_variables": {"Assets": "24,941,271", "Liabilities": "17,037,704", "Expenses": "4,864,156", "Revenues": "6,681,753", "Stockholders Equity": "7,903,567", "Net Income": "1,817,597", "Comprehensive Net Income": "2,123,501", "BaseVar": "292,367,097", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "121%"}}, "2016": {"input_variables": {"Assets, Current": "1,738,747", "Assets, Non-Current": "946,024", "Claims Reserve and LAE": "11,165,316", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "392,410", "General and Administrative Expense": "1,226,596", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,864,790", "Investment Income": "370,922", "Investments": "16,973,502", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,418,254", "Other Compr. Net Income": "-183,197", "Other Expenses": "1,852,194", "Other Liabilities": "3,673,729", "Other Net Income": "-44,100", "Other Revenues": "2,146,415", "Policyholder Benefits and Claims": "2,025,467", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,882,406", "Premiums Receivable": "1,241,649", "Reinsurance Payable": "231,327", "Reinsurance Recoverables": "299,923", "Revenues Y+1": "5,792,117", "Revenues Y+2": "5,958,142", "Revenues Y+3": "6,113,339", "Revenues Y+4": "6,260,270", "Revenues Y+5": "6,399,744", "Separate Account Asset": "0", "Unearned Premiums": "2,263,838"}, "output_variables": {"Assets": "25,875,299", "Liabilities": "17,334,210", "Expenses": "5,104,257", "Revenues": "6,399,744", "Stockholders Equity": "8,541,089", "Net Income": "1,251,386", "Comprehensive Net Income": "1,159,788", "BaseVar": "257,172,983", "ECR before LimitedLiability": "37%", "Economic Capital Ratio": "110%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 4270544500.0, "future_profits": 3747684121.1722417, "valuation_correction": -51045940.07751449, "limited_liability_put_option": 15726546928.131987, "fair_value": 23693729609.226715, "market_value": 12652023048.1886}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001096343.svg", "value": 0.9240994292015099, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001096343.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001096343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001096343.svg"}, {"company_id": "0000731766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000731766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Unitedhealth Group INC", "rank": 24, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Unitedhealth Group INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 24% points.The greatest weakness of Unitedhealth Group INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 67% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 0.74% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000731766_2017_Unitedhealth_Group_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-6.02", "Assets": "-45.7", "Liabilities": "29.9", "Stockholders Equity": "-29.5", "ECR before LimitedLiability": "9.10", "Other Assets": "-17.3", "Assets, Current": "7.14", "Reinsurance Recoverables": "-6.12", "Separate Account Asset": "-24.4", "Investments": "-40.2", "Premiums Receivable": "-7.35", "Intangible Assets": "15.1", "Deferred Policy Acquisition Costs": "-7.31", "Claims Reserve and LAE": "21.8", "Other Liabilities": "25.3", "Unearned Premiums": "13.0", "Long Term Debt": "0.783", "Reinsurance Payable": "1.67", "Liabilities Current": "-25.3", "Policyholder Contract Deposits": "22.9", "Economic Capital Ratio": "9.27"}, "2010": {"Deferred Policy Acquisition Costs": "-5.91", "Assets": "-44.9", "Liabilities": "30.1", "Stockholders Equity": "-42.7", "ECR before LimitedLiability": "8.55", "Assets, Current": "5.14", "Investments": "-39.4", "Intangible Assets": "16.3", "Assets, Non-Current": "-6.56", "Separate Account Asset": "-15.4", "Premiums Receivable": "-7.56", "Reinsurance Recoverables": "-7.69", "Other Assets": "-23.7", "Liabilities Current": "-28.7", "Reinsurance Payable": "1.82", "Other Liabilities": "26.1", "Unearned Premiums": "21.4", "Long Term Debt": "-0.924", "Policyholder Contract Deposits": "21.6", "Claims Reserve and LAE": "23.6", "Economic Capital Ratio": "8.66"}, "2011": {"Reinsurance Recoverables": "-9.93", "Assets": "-44.8", "Liabilities": "31.8", "Stockholders Equity": "-48.1", "ECR before LimitedLiability": "8.26", "Intangible Assets": "16.7", "Assets, Non-Current": "-4.72", "Other Assets": "-21.9", "Separate Account Asset": "-15.5", "Assets, Current": "4.95", "Premiums Receivable": "-8.46", "Deferred Policy Acquisition Costs": "-6.22", "Investments": "-40.0", "Liabilities Current": "-27.5", "Other Liabilities": "28.2", "Unearned Premiums": "23.3", "Policyholder Contract Deposits": "23.3", "Claims Reserve and LAE": "23.9", "Reinsurance Payable": "3.59", "Economic Capital Ratio": "8.42", "Premiums Earned": "-0.300"}, "2012": {"Assets, Current": "2.10", "Assets": "-43.7", "Liabilities": "30.9", "Stockholders Equity": "-40.2", "ECR before LimitedLiability": "8.20", "Separate Account Asset": "-14.9", "Other Assets": "-18.2", "Deferred Policy Acquisition Costs": "-4.31", "Intangible Assets": "21.0", "Reinsurance Recoverables": "-9.04", "Assets, Non-Current": "-2.90", "Investments": "-39.5", "Premiums Receivable": "-7.75", "Reinsurance Payable": "3.40", "Other Liabilities": "27.3", "Claims Reserve and LAE": "23.6", "Unearned Premiums": "23.1", "Long Term Debt": "-3.69", "Policyholder Contract Deposits": "23.1", "Liabilities Current": "-25.4", "Economic Capital Ratio": "8.37"}, "2013": {"Intangible Assets": "19.7", "Assets": "-45.4", "Liabilities": "30.4", "Stockholders Equity": "-48.2", "ECR before LimitedLiability": "7.48", "Assets, Current": "-0.578", "Reinsurance Recoverables": "-8.69", "Separate Account Asset": "-16.8", "Investments": "-39.7", "Assets, Non-Current": "-3.16", "Other Assets": "-24.9", "Premiums Receivable": "-9.15", "Deferred Policy Acquisition Costs": "-4.79", "Liabilities Current": "-25.6", "Unearned Premiums": "21.8", "Reinsurance Payable": "3.29", "Claims Reserve and LAE": "23.1", "Other Liabilities": "26.1", "Policyholder Contract Deposits": "21.8", "Economic Capital Ratio": "7.71", "Policyholder Benefits and Claims": "0.435"}, "2014": {"Investments": "-39.2", "Assets": "-45.9", "Liabilities": "28.9", "Stockholders Equity": "-68.6", "ECR before LimitedLiability": "3.23", "Other Assets": "-28.9", "Separate Account Asset": "-9.84", "Assets, Non-Current": "-4.22", "Assets, Current": "-5.08", "Intangible Assets": "18.6", "Deferred Policy Acquisition Costs": "-4.49", "Premiums Receivable": "-9.66", "Reinsurance Recoverables": "-8.77", "Other Liabilities": "24.7", "Long Term Debt": "-0.602", "Policyholder Contract Deposits": "8.20", "Reinsurance Payable": "6.54", "Unearned Premiums": "21.5", "Claims Reserve and LAE": "23.1", "Liabilities Current": "-25.6", "Economic Capital Ratio": "3.59"}, "2015": {"Separate Account Asset": "-8.77", "Assets": "-48.7", "Liabilities": "23.6", "Stockholders Equity": "-63.6", "ECR before LimitedLiability": "-1.44", "Other Assets": "-28.3", "Assets, Current": "-0.526", "Premiums Receivable": "-9.79", "Assets, Non-Current": "-4.69", "Investments": "-42.8", "Deferred Policy Acquisition Costs": "-5.28", "Reinsurance Recoverables": "-7.77", "Intangible Assets": "16.3", "Policyholder Contract Deposits": "16.1", "Long Term Debt": "-1.83", "Other Liabilities": "18.6", "Claims Reserve and LAE": "18.8", "Reinsurance Payable": "5.64", "Unearned Premiums": "16.5", "Liabilities Current": "-27.0", "Economic Capital Ratio": "-1.15"}, "2016": {"Assets, Current": "-0.277", "Assets": "-48.7", "Liabilities": "24.1", "Stockholders Equity": "-67.4", "ECR before LimitedLiability": "-0.981", "Reinsurance Recoverables": "-9.18", "Intangible Assets": "16.5", "Premiums Receivable": "-10.7", "Deferred Policy Acquisition Costs": "-5.27", "Investments": "-43.3", "Separate Account Asset": "-4.01", "Other Assets": "-28.2", "Assets, Non-Current": "-4.63", "Unearned Premiums": "17.0", "Policyholder Contract Deposits": "11.3", "Long Term Debt": "4.71", "Liabilities Current": "-28.4", "Other Liabilities": "18.5", "Claims Reserve and LAE": "19.8", "Reinsurance Payable": "4.31", "Economic Capital Ratio": "-0.742"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000731766_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "18,200,000", "Assets, Non-Current": "2,140,000", "Claims Reserve and LAE": "11,687,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "12,734,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "23,108,000", "Investment Income": "0", "Investments": "13,311,000", "Liabilities Current": "22,163,000", "Long Term Debt": "10,951,000", "Other Assets": "2,286,000", "Other Compr. Net Income": "305,000", "Other Expenses": "5,293,000", "Other Liabilities": "-12,499,000", "Other Net Income": "0", "Other Revenues": "7,823,000", "Policyholder Benefits and Claims": "65,289,000", "Policyholder Contract Deposits": "3,137,000", "Premiums Earned": "79,315,000", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "59,045,000", "Liabilities": "35,439,000", "Expenses": "83,316,000", "Revenues": "87,138,000", "Stockholders Equity": "23,606,000", "Net Income": "3,822,000", "Comprehensive Net Income": "3,974,500", "BaseVar": "2,425,501,053", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2010": {"input_variables": {"Assets, Current": "18,393,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "11,581,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "14,270,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "25,655,000", "Investment Income": "0", "Investments": "14,707,000", "Liabilities Current": "23,700,000", "Long Term Debt": "8,662,000", "Other Assets": "4,308,000", "Other Compr. Net Income": "-1,000", "Other Expenses": "6,410,000", "Other Liabilities": "-10,684,000", "Other Net Income": "0", "Other Revenues": "8,750,000", "Policyholder Benefits and Claims": "68,841,000", "Policyholder Contract Deposits": "3,979,000", "Premiums Earned": "85,405,000", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "63,063,000", "Liabilities": "37,238,000", "Expenses": "89,521,000", "Revenues": "94,155,000", "Stockholders Equity": "25,825,000", "Net Income": "4,634,000", "Comprehensive Net Income": "4,633,500", "BaseVar": "2,841,594,269", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2011": {"input_variables": {"Assets, Current": "20,350,000", "Assets, Non-Current": "2,515,000", "Claims Reserve and LAE": "12,244,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "15,557,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "26,770,000", "Investment Income": "0", "Investments": "16,166,000", "Liabilities Current": "23,922,000", "Long Term Debt": "10,656,000", "Other Assets": "2,088,000", "Other Compr. Net Income": "209,000", "Other Expenses": "6,831,000", "Other Liabilities": "-12,288,000", "Other Net Income": "0", "Other Revenues": "9,879,000", "Policyholder Benefits and Claims": "74,332,000", "Policyholder Contract Deposits": "5,063,000", "Premiums Earned": "91,983,000", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "67,889,000", "Liabilities": "39,597,000", "Expenses": "96,720,000", "Revenues": "101,862,000", "Stockholders Equity": "28,292,000", "Net Income": "5,142,000", "Comprehensive Net Income": "5,246,500", "BaseVar": "5,073,717,747", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "99%"}}, "2012": {"input_variables": {"Assets, Current": "21,052,000", "Assets, Non-Current": "3,939,000", "Claims Reserve and LAE": "13,448,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "17,598,189", "Insurance Commissions and Fees": "0", "Intangible Assets": "35,968,000", "Investment Income": "0", "Investments": "17,711,000", "Liabilities Current": "27,116,000", "Long Term Debt": "15,576,000", "Other Assets": "2,215,000", "Other Compr. Net Income": "149,063", "Other Expenses": "7,774,220", "Other Liabilities": "-13,464,000", "Other Net Income": "0", "Other Revenues": "11,067,078", "Policyholder Benefits and Claims": "80,641,924", "Policyholder Contract Deposits": "4,910,000", "Premiums Earned": "100,494,947", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "111,466,542", "Revenues Y+2": "111,551,882", "Revenues Y+3": "111,560,896", "Revenues Y+4": "111,561,905", "Revenues Y+5": "111,562,026", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "80,885,000", "Liabilities": "47,586,000", "Expenses": "106,014,332", "Revenues": "111,562,026", "Stockholders Equity": "33,299,000", "Net Income": "5,547,693", "Comprehensive Net Income": "5,622,225", "BaseVar": "6,393,462,862", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "135%"}}, "2013": {"input_variables": {"Assets, Current": "20,380,000", "Assets, Non-Current": "4,010,000", "Claims Reserve and LAE": "14,040,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "19,758,872", "Insurance Commissions and Fees": "0", "Intangible Assets": "35,448,000", "Investment Income": "0", "Investments": "19,605,000", "Liabilities Current": "27,881,000", "Long Term Debt": "16,416,000", "Other Assets": "2,439,000", "Other Compr. Net Income": "-2,272,381", "Other Expenses": "8,352,386", "Other Liabilities": "-15,058,000", "Other Net Income": "0", "Other Revenues": "13,376,418", "Policyholder Benefits and Claims": "90,053,575", "Policyholder Contract Deposits": "5,279,000", "Premiums Earned": "110,662,457", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "123,847,744", "Revenues Y+2": "124,013,464", "Revenues Y+3": "124,035,286", "Revenues Y+4": "124,038,398", "Revenues Y+5": "124,038,875", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "81,882,000", "Liabilities": "48,558,000", "Expenses": "118,164,834", "Revenues": "124,038,875", "Stockholders Equity": "33,324,000", "Net Income": "5,874,041", "Comprehensive Net Income": "4,737,850", "BaseVar": "4,280,324,999", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}, "2014": {"input_variables": {"Assets, Current": "23,556,000", "Assets, Non-Current": "4,418,000", "Claims Reserve and LAE": "14,528,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "22,208,527", "Insurance Commissions and Fees": "0", "Intangible Assets": "36,609,000", "Investment Income": "0", "Investments": "18,827,000", "Liabilities Current": "30,623,000", "Long Term Debt": "17,364,000", "Other Assets": "2,972,000", "Other Compr. Net Income": "-809,682", "Other Expenses": "10,564,188", "Other Liabilities": "-15,940,000", "Other Net Income": "0", "Other Revenues": "15,858,241", "Policyholder Benefits and Claims": "93,622,605", "Policyholder Contract Deposits": "5,965,000", "Premiums Earned": "115,999,397", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "131,621,506", "Revenues Y+2": "131,812,155", "Revenues Y+3": "131,848,380", "Revenues Y+4": "131,855,959", "Revenues Y+5": "131,857,638", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "86,382,000", "Liabilities": "52,540,000", "Expenses": "126,395,319", "Revenues": "131,857,638", "Stockholders Equity": "33,842,000", "Net Income": "5,462,318", "Comprehensive Net Income": "5,057,478", "BaseVar": "5,930,606,675", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}, "2015": {"input_variables": {"Assets, Current": "31,639,000", "Assets, Non-Current": "4,861,000", "Claims Reserve and LAE": "16,826,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "25,027,568", "Insurance Commissions and Fees": "0", "Intangible Assets": "52,844,000", "Investment Income": "0", "Investments": "18,792,000", "Liabilities Current": "42,898,000", "Long Term Debt": "26,941,000", "Other Assets": "3,247,000", "Other Compr. Net Income": "-1,018,122", "Other Expenses": "76,836,306", "Other Liabilities": "-18,541,000", "Other Net Income": "0", "Other Revenues": "55,761,289", "Policyholder Benefits and Claims": "104,971,164", "Policyholder Contract Deposits": "7,798,000", "Premiums Earned": "128,751,257", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "168,383,706", "Revenues Y+2": "175,151,819", "Revenues Y+3": "179,585,658", "Revenues Y+4": "182,539,196", "Revenues Y+5": "184,512,546", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "111,383,000", "Liabilities": "75,922,000", "Expenses": "206,835,038", "Revenues": "184,512,546", "Stockholders Equity": "35,461,000", "Net Income": "-22,322,492", "Comprehensive Net Income": "-22,831,553", "BaseVar": "8,851,815,565", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "128%"}}, "2016": {"input_variables": {"Assets, Current": "33,879,000", "Assets, Non-Current": "5,901,000", "Claims Reserve and LAE": "18,915,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "29,864,679", "Insurance Commissions and Fees": "0", "Intangible Assets": "56,125,000", "Investment Income": "0", "Investments": "23,868,000", "Liabilities Current": "49,252,000", "Long Term Debt": "28,084,000", "Other Assets": "3,037,000", "Other Compr. Net Income": "-1,992,937", "Other Expenses": "53,087,239", "Other Liabilities": "-13,630,000", "Other Net Income": "0", "Other Revenues": "62,651,777", "Policyholder Benefits and Claims": "118,866,471", "Policyholder Contract Deposits": "0", "Premiums Earned": "147,007,701", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "195,006,847", "Revenues Y+2": "200,864,270", "Revenues Y+3": "204,843,283", "Revenues Y+4": "207,655,377", "Revenues Y+5": "209,659,478", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "122,810,000", "Liabilities": "82,621,000", "Expenses": "201,818,389", "Revenues": "209,659,478", "Stockholders Equity": "40,189,000", "Net Income": "7,841,089", "Comprehensive Net Income": "6,844,620", "BaseVar": "8,405,342,078", "ECR before LimitedLiability": "66%", "Economic Capital Ratio": "133%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 20094500000.0, "future_profits": 47631567985.63187, "valuation_correction": -179059012.98614612, "limited_liability_put_option": 68844279135.30582, "fair_value": 136391288107.95154, "market_value": 131508356991.60843}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000731766.svg", "value": 0.9205495061492561, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000731766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000731766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000731766.svg"}, {"company_id": "0000947484", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000947484.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "ARCH Capital Group LTD", "rank": 25, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of ARCH Capital Group LTD compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of ARCH Capital Group LTD is the variable Liabilities, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 1.3% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000947484_2017_ARCH_Capital_Group_LTD.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.188", "Assets": "10.9", "Liabilities": "-6.09", "Stockholders Equity": "6.25", "ECR before LimitedLiability": "0.222", "Investments": "13.1", "Intangible Assets": "-0.683", "Assets, Non-Current": "0.841", "Separate Account Asset": "-3.06", "Reinsurance Recoverables": "-0.574", "Other Assets": "-0.466", "Liabilities Current": "0.324", "Reinsurance Payable": "-0.309", "Other Liabilities": "-27.2", "Unearned Premiums": "-2.36", "Long Term Debt": "1.11", "Policyholder Contract Deposits": "5.50", "Claims Reserve and LAE": "11.6", "Economic Capital Ratio": "0.332", "Other Expenses": "-0.228", "Premiums Earned": "-0.263"}, "2011": {"Reinsurance Recoverables": "4.31", "Assets": "13.3", "Liabilities": "-10.9", "Stockholders Equity": "5.51", "ECR before LimitedLiability": "-1.53", "Intangible Assets": "-0.484", "Assets, Non-Current": "0.285", "Other Assets": "-1.12", "Separate Account Asset": "-2.79", "Assets, Current": "-0.144", "Deferred Policy Acquisition Costs": "-0.201", "Investments": "13.3", "Liabilities Current": "0.200", "Long Term Debt": "1.18", "Other Liabilities": "-28.8", "Unearned Premiums": "-0.501", "Policyholder Contract Deposits": "4.86", "Claims Reserve and LAE": "7.63", "Economic Capital Ratio": "-1.37", "Other Expenses": "-0.151", "Premiums Earned": "-0.230"}, "2012": {"Assets, Current": "-0.435", "Assets": "12.3", "Liabilities": "-7.35", "Stockholders Equity": "6.55", "Economic Capital Ratio": "0.156", "Separate Account Asset": "-3.01", "Other Assets": "-1.46", "Intangible Assets": "-0.509", "Reinsurance Recoverables": "4.11", "Assets, Non-Current": "0.538", "Investments": "13.5", "Premiums Receivable": "0.367", "Reinsurance Payable": "-0.229", "Other Liabilities": "-25.6", "Claims Reserve and LAE": "8.16", "Unearned Premiums": "-0.732", "Long Term Debt": "1.29", "Policyholder Contract Deposits": "5.35", "Liabilities Current": "0.265", "Other Expenses": "-0.0924", "Premiums Earned": "-0.156"}, "2013": {"Intangible Assets": "-0.499", "Assets": "12.9", "Liabilities": "-8.27", "Stockholders Equity": "6.28", "ECR before LimitedLiability": "-0.366", "Assets, Current": "-0.531", "Reinsurance Recoverables": "3.78", "Separate Account Asset": "-3.15", "Investments": "13.7", "Assets, Non-Current": "1.38", "Other Assets": "-2.90", "Premiums Receivable": "0.253", "Liabilities Current": "0.259", "Long Term Debt": "1.64", "Unearned Premiums": "-1.35", "Reinsurance Payable": "-0.254", "Claims Reserve and LAE": "-21.5", "Other Liabilities": "5.02", "Policyholder Contract Deposits": "5.19", "Economic Capital Ratio": "-0.133", "Other Revenues": "0.188", "Premiums Earned": "-0.329"}, "2014": {"Investments": "16.5", "Assets": "15.7", "Liabilities": "-13.0", "Stockholders Equity": "5.59", "ECR before LimitedLiability": "-1.39", "Other Assets": "-3.74", "Separate Account Asset": "-1.48", "Assets, Non-Current": "1.04", "Assets, Current": "-1.19", "Intangible Assets": "-0.500", "Deferred Policy Acquisition Costs": "0.223", "Premiums Receivable": "0.458", "Reinsurance Recoverables": "3.31", "Other Liabilities": "1.99", "Long Term Debt": "1.53", "Policyholder Contract Deposits": "1.53", "Unearned Premiums": "-1.61", "Claims Reserve and LAE": "-17.9", "Liabilities Current": "0.331", "Economic Capital Ratio": "-1.03", "Premiums Earned": "-0.264"}, "2015": {"Separate Account Asset": "-1.28", "Assets": "15.6", "Liabilities": "-13.8", "Stockholders Equity": "5.29", "ECR before LimitedLiability": "-1.97", "Other Assets": "-2.51", "Assets, Current": "-0.623", "Premiums Receivable": "0.432", "Assets, Non-Current": "1.00", "Investments": "15.6", "Reinsurance Recoverables": "3.52", "Intangible Assets": "-0.377", "Policyholder Contract Deposits": "2.18", "Long Term Debt": "1.76", "Other Liabilities": "-2.17", "Claims Reserve and LAE": "-14.5", "Unearned Premiums": "-1.70", "Liabilities Current": "0.302", "Economic Capital Ratio": "-1.68", "Other Revenues": "0.185", "Premiums Earned": "-0.242"}, "2016": {"Assets": "16.0", "Liabilities": "-18.7", "Stockholders Equity": "7.02", "ECR before LimitedLiability": "-1.49", "Reinsurance Recoverables": "3.57", "Intangible Assets": "-0.472", "Premiums Receivable": "0.232", "Investments": "16.0", "Separate Account Asset": "-0.465", "Other Assets": "-0.430", "Assets, Non-Current": "0.587", "Unearned Premiums": "-3.19", "Policyholder Contract Deposits": "0.635", "Long Term Debt": "2.12", "Liabilities Current": "0.286", "Other Liabilities": "-5.87", "Claims Reserve and LAE": "-11.6", "Reinsurance Payable": "-0.195", "Economic Capital Ratio": "-1.26", "Other Expenses": "-0.150", "Other Revenues": "0.105"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000947484_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "362,740", "Assets, Non-Current": "669,164", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "441,202", "Deferred Policy Acquisition Costs": "277,861", "General and Administrative Expense": "432,795", "Insurance Commissions and Fees": "5,365", "Intangible Assets": "0", "Investment Income": "0", "Investments": "11,617,905", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,076,240", "Other Compr. Net Income": "0", "Other Expenses": "9,767", "Other Liabilities": "9,755,262", "Other Net Income": "0", "Other Revenues": "686,219", "Policyholder Benefits and Claims": "1,517,715", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,552,483", "Premiums Receivable": "503,434", "Reinsurance Payable": "132,452", "Reinsurance Recoverables": "263,448", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,370,075"}, "output_variables": {"Assets": "15,770,792", "Liabilities": "11,257,789", "Expenses": "2,401,479", "Revenues": "3,244,067", "Stockholders Equity": "4,513,003", "Net Income": "842,588", "Comprehensive Net Income": "842,588", "BaseVar": "99,312,862", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "89%"}}, "2011": {"input_variables": {"Assets, Current": "351,699", "Assets, Non-Current": "445,239", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "462,937", "Deferred Policy Acquisition Costs": "279,109", "General and Administrative Expense": "431,480", "Insurance Commissions and Fees": "3,429", "Intangible Assets": "0", "Investment Income": "0", "Investments": "12,001,049", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,445,830", "Other Compr. Net Income": "0", "Other Expenses": "4,979", "Other Liabilities": "10,967,545", "Other Net Income": "0", "Other Revenues": "428,063", "Policyholder Benefits and Claims": "1,727,553", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,631,815", "Premiums Receivable": "501,563", "Reinsurance Payable": "133,866", "Reinsurance Recoverables": "2,117,280", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,411,872"}, "output_variables": {"Assets": "17,141,769", "Liabilities": "12,513,283", "Expenses": "2,626,949", "Revenues": "3,063,307", "Stockholders Equity": "4,628,486", "Net Income": "436,358", "Comprehensive Net Income": "436,358", "BaseVar": "158,520,859", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2012": {"input_variables": {"Assets, Current": "371,041", "Assets, Non-Current": "519,409", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "508,884", "Deferred Policy Acquisition Costs": "262,822", "General and Administrative Expense": "465,353", "Insurance Commissions and Fees": "8,090", "Intangible Assets": "0", "Investment Income": "0", "Investments": "12,691,240", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,114,856", "Other Compr. Net Income": "0", "Other Expenses": "53,470", "Other Liabilities": "10,811,360", "Other Net Income": "0", "Other Revenues": "539,151", "Policyholder Benefits and Claims": "1,861,277", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,935,140", "Premiums Receivable": "688,873", "Reinsurance Payable": "188,546", "Reinsurance Recoverables": "2,168,521", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,647,978"}, "output_variables": {"Assets": "17,816,762", "Liabilities": "12,647,884", "Expenses": "2,888,984", "Revenues": "3,482,381", "Stockholders Equity": "5,168,878", "Net Income": "593,397", "Comprehensive Net Income": "593,397", "BaseVar": "200,446,422", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2013": {"input_variables": {"Assets, Current": "434,057", "Assets, Non-Current": "899,806", "Claims Reserve and LAE": "8,824,696", "Deferred Acquisition Costs Amortization": "568,040", "Deferred Policy Acquisition Costs": "342,314", "General and Administrative Expense": "500,840", "Insurance Commissions and Fees": "7,768", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,611,734", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,391,586", "Other Compr. Net Income": "-212,053", "Other Expenses": "78,536", "Other Liabilities": "3,001,370", "Other Net Income": "0", "Other Revenues": "421,381", "Policyholder Benefits and Claims": "1,650,745", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,155,639", "Premiums Receivable": "753,924", "Reinsurance Payable": "196,167", "Reinsurance Recoverables": "2,132,673", "Revenues Y+1": "3,603,558", "Revenues Y+2": "3,576,168", "Revenues Y+3": "3,587,526", "Revenues Y+4": "3,582,900", "Revenues Y+5": "3,584,788", "Separate Account Asset": "0", "Unearned Premiums": "1,896,365"}, "output_variables": {"Assets": "19,566,094", "Liabilities": "13,918,598", "Expenses": "2,798,161", "Revenues": "3,584,788", "Stockholders Equity": "5,647,496", "Net Income": "786,626", "Comprehensive Net Income": "680,600", "BaseVar": "130,449,274", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "104%"}}, "2014": {"input_variables": {"Assets, Current": "485,702", "Assets, Non-Current": "927,004", "Claims Reserve and LAE": "9,036,448", "Deferred Acquisition Costs Amortization": "666,613", "Deferred Policy Acquisition Costs": "414,525", "General and Administrative Expense": "608,681", "Insurance Commissions and Fees": "9,398", "Intangible Assets": "0", "Investment Income": "0", "Investments": "15,331,249", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,712,445", "Other Compr. Net Income": "-211,484", "Other Expenses": "7,940", "Other Liabilities": "3,403,559", "Other Net Income": "0", "Other Revenues": "381,454", "Policyholder Benefits and Claims": "1,950,770", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,621,227", "Premiums Receivable": "948,695", "Reinsurance Payable": "219,312", "Reinsurance Recoverables": "2,189,923", "Revenues Y+1": "4,008,855", "Revenues Y+2": "4,012,692", "Revenues Y+3": "4,011,851", "Revenues Y+4": "4,012,224", "Revenues Y+5": "4,012,079", "Separate Account Asset": "0", "Unearned Premiums": "2,231,578"}, "output_variables": {"Assets": "22,009,543", "Liabilities": "14,890,897", "Expenses": "3,234,004", "Revenues": "4,012,079", "Stockholders Equity": "7,118,646", "Net Income": "778,074", "Comprehensive Net Income": "672,332", "BaseVar": "187,173,454", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "105%"}}, "2015": {"input_variables": {"Assets, Current": "553,326", "Assets, Non-Current": "968,482", "Claims Reserve and LAE": "9,125,250", "Deferred Acquisition Costs Amortization": "684,113", "Deferred Policy Acquisition Costs": "433,477", "General and Administrative Expense": "659,852", "Insurance Commissions and Fees": "80,371", "Intangible Assets": "0", "Investment Income": "0", "Investments": "15,842,941", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,100,619", "Other Compr. Net Income": "34,252", "Other Expenses": "10,261", "Other Liabilities": "4,096,092", "Other Net Income": "0", "Other Revenues": "229,634", "Policyholder Benefits and Claims": "2,069,934", "Policyholder Contract Deposits": "248,982", "Premiums Earned": "3,743,692", "Premiums Receivable": "983,443", "Reinsurance Payable": "224,120", "Reinsurance Recoverables": "2,294,982", "Revenues Y+1": "4,049,146", "Revenues Y+2": "4,026,959", "Revenues Y+3": "4,048,282", "Revenues Y+4": "4,048,080", "Revenues Y+5": "4,053,698", "Separate Account Asset": "0", "Unearned Premiums": "2,333,932"}, "output_variables": {"Assets": "23,177,270", "Liabilities": "16,028,376", "Expenses": "3,424,160", "Revenues": "4,053,698", "Stockholders Equity": "7,148,894", "Net Income": "629,538", "Comprehensive Net Income": "646,664", "BaseVar": "187,283,861", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "103%"}}, "2016": {"input_variables": {"Assets, Current": "842,942", "Assets, Non-Current": "889,080", "Claims Reserve and LAE": "10,200,960", "Deferred Acquisition Costs Amortization": "677,661", "Deferred Policy Acquisition Costs": "447,560", "General and Administrative Expense": "718,580", "Insurance Commissions and Fees": "123,200", "Intangible Assets": "0", "Investment Income": "0", "Investments": "19,719,651", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,426,736", "Other Compr. Net Income": "-191,676", "Other Expenses": "53,445", "Other Liabilities": "5,851,341", "Other Net Income": "0", "Other Revenues": "401,753", "Policyholder Benefits and Claims": "2,206,186", "Policyholder Contract Deposits": "301,406", "Premiums Earned": "3,895,862", "Premiums Receivable": "1,072,435", "Reinsurance Payable": "300,407", "Reinsurance Recoverables": "2,973,705", "Revenues Y+1": "4,318,430", "Revenues Y+2": "4,419,440", "Revenues Y+3": "4,390,634", "Revenues Y+4": "4,421,794", "Revenues Y+5": "4,420,815", "Separate Account Asset": "0", "Unearned Premiums": "3,406,870"}, "output_variables": {"Assets": "29,372,109", "Liabilities": "20,060,984", "Expenses": "3,655,872", "Revenues": "4,420,815", "Stockholders Equity": "9,311,125", "Net Income": "764,943", "Comprehensive Net Income": "669,105", "BaseVar": "190,747,926", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 4655562500.0, "future_profits": 2252312924.007327, "valuation_correction": -13266680.137837283, "limited_liability_put_option": 18285535269.748394, "fair_value": 25180144013.61788, "market_value": 10145587165.278105}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000947484.svg", "value": 0.9154110126722186, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000947484.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000947484.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000947484.svg"}, {"company_id": "0000814585", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000814585.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "MBIA INC", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of MBIA INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 27% points.The greatest weakness of MBIA INC is the variable Liabilities, reducing the Economic Capital Ratio by 47% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 1.9% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000814585_2017_MBIA_INC.pdf", "shrinked_graph_json": {"2013": {"Assets": "12.3", "Liabilities": "-42.6", "Stockholders Equity": "6.52", "ECR before LimitedLiability": "-6.00", "Assets, Current": "3.00", "Reinsurance Recoverables": "-0.627", "Separate Account Asset": "-1.44", "Investments": "-7.57", "Assets, Non-Current": "-0.334", "Other Assets": "16.3", "Premiums Receivable": "2.39", "Long Term Debt": "-5.47", "Unearned Premiums": "1.87", "Claims Reserve and LAE": "3.83", "Other Liabilities": "-47.7", "Policyholder Contract Deposits": "2.06", "Expenses": "-0.437", "Policyholder Benefits and Claims": "-0.376", "Economic Capital Ratio": "-5.77", "Other Revenues": "-0.572", "Premiums Earned": "0.411"}, "2014": {"Investments": "-6.31", "Assets": "15.7", "Liabilities": "-44.6", "Stockholders Equity": "8.35", "ECR before LimitedLiability": "-6.67", "Other Assets": "19.9", "Separate Account Asset": "-0.640", "Assets, Non-Current": "-0.366", "Assets, Current": "1.34", "Premiums Receivable": "1.95", "Reinsurance Recoverables": "-0.559", "Other Liabilities": "-46.2", "Long Term Debt": "-6.51", "Policyholder Contract Deposits": "0.584", "Reinsurance Payable": "0.296", "Unearned Premiums": "1.91", "Claims Reserve and LAE": "4.09", "Expenses": "-0.428", "Economic Capital Ratio": "-6.31", "Other Revenues": "-0.586", "Premiums Earned": "0.291"}, "2015": {"Separate Account Asset": "-0.488", "Assets": "17.4", "Liabilities": "-46.2", "Stockholders Equity": "9.65", "ECR before LimitedLiability": "-5.43", "Other Assets": "21.8", "Assets, Current": "1.01", "Premiums Receivable": "1.99", "Assets, Non-Current": "-0.338", "Investments": "-6.08", "Deferred Policy Acquisition Costs": "-0.277", "Reinsurance Recoverables": "-0.425", "Policyholder Contract Deposits": "0.996", "Long Term Debt": "-7.70", "Other Liabilities": "-46.2", "Claims Reserve and LAE": "4.14", "Unearned Premiums": "1.66", "Expenses": "-0.297", "Economic Capital Ratio": "-5.14", "Premiums Earned": "0.324", "Other Revenues": "-0.375"}, "2016": {"Assets, Current": "0.285", "Assets": "21.4", "Liabilities": "-47.2", "Stockholders Equity": "12.6", "ECR before LimitedLiability": "-2.12", "Reinsurance Recoverables": "-0.408", "Intangible Assets": "-0.165", "Premiums Receivable": "1.20", "Deferred Policy Acquisition Costs": "-0.219", "Investments": "-5.14", "Other Assets": "26.9", "Assets, Non-Current": "-0.272", "Unearned Premiums": "1.49", "Policyholder Contract Deposits": "0.438", "Long Term Debt": "-11.5", "Other Liabilities": "-39.8", "Claims Reserve and LAE": "3.91", "Premiums Earned": "0.399", "Revenues": "0.736", "Other Revenues": "0.334", "Economic Capital Ratio": "-1.88"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000814585_strength_weakness.svg", "table_records": {"2013": {"input_variables": {"Assets, Current": "1,258,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,702,000", "Other Assets": "14,644,000", "Other Compr. Net Income": "-142,000", "Other Expenses": "402,000", "Other Liabilities": "11,952,000", "Other Net Income": "0", "Other Revenues": "752,000", "Policyholder Benefits and Claims": "117,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "457,000", "Premiums Receivable": "1,051,000", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "16,953,000", "Liabilities": "13,654,000", "Expenses": "519,000", "Revenues": "1,209,000", "Stockholders Equity": "3,299,000", "Net Income": "690,000", "Comprehensive Net Income": "619,000", "BaseVar": "47,544,879", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "84%"}}, "2014": {"input_variables": {"Assets, Current": "782,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,810,000", "Other Assets": "14,627,000", "Other Compr. Net Income": "107,000", "Other Expenses": "282,000", "Other Liabilities": "10,524,000", "Other Net Income": "0", "Other Revenues": "873,000", "Policyholder Benefits and Claims": "133,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "397,000", "Premiums Receivable": "875,000", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "16,284,000", "Liabilities": "12,334,000", "Expenses": "415,000", "Revenues": "1,270,000", "Stockholders Equity": "3,950,000", "Net Income": "855,000", "Comprehensive Net Income": "908,500", "BaseVar": "54,851,986", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "87%"}}, "2015": {"input_variables": {"Assets, Current": "522,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,908,000", "Other Assets": "13,541,000", "Other Compr. Net Income": "-82,000", "Other Expenses": "308,000", "Other Liabilities": "9,206,000", "Other Net Income": "0", "Other Revenues": "481,000", "Policyholder Benefits and Claims": "123,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "372,000", "Premiums Receivable": "792,000", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "14,855,000", "Liabilities": "11,114,000", "Expenses": "431,000", "Revenues": "853,000", "Stockholders Equity": "3,741,000", "Net Income": "422,000", "Comprehensive Net Income": "381,000", "BaseVar": "43,475,571", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "88%"}}, "2016": {"input_variables": {"Assets, Current": "187,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,986,000", "Other Assets": "10,541,000", "Other Compr. Net Income": "-74,540", "Other Expenses": "222,391", "Other Liabilities": "5,912,000", "Other Net Income": "0", "Other Revenues": "-233,910", "Policyholder Benefits and Claims": "225,411", "Policyholder Contract Deposits": "0", "Premiums Earned": "307,321", "Premiums Receivable": "409,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "146,544", "Revenues Y+2": "95,902", "Revenues Y+3": "80,120", "Revenues Y+4": "75,032", "Revenues Y+5": "73,411", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "11,137,000", "Liabilities": "7,898,000", "Expenses": "447,803", "Revenues": "73,411", "Stockholders Equity": "3,239,000", "Net Income": "-374,391", "Comprehensive Net Income": "-411,662", "BaseVar": "21,480,438", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": 8.0, "valuation": {"past_accumulated_profits": 1619500000.0, "future_profits": 19460963.5716529, "valuation_correction": 32403314.912709307, "limited_liability_put_option": 7133839406.676917, "fair_value": 8805203685.16128, "market_value": 648093303.0293685}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000814585.svg", "value": 0.9092030575257993, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000814585.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000814585.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000814585.svg"}, {"company_id": "0000060086", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000060086.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Loews CORP", "rank": 27, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Loews CORP compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Loews CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 2.0% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000060086_2017_Loews_CORP.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "8.72", "Assets": "4.76", "Liabilities": "2.48", "Stockholders Equity": "7.60", "ECR before LimitedLiability": "1.88", "Other Assets": "-3.67", "Assets, Current": "-1.12", "Reinsurance Recoverables": "-1.12", "Separate Account Asset": "-6.12", "Investments": "6.15", "Premiums Receivable": "5.34", "Deferred Policy Acquisition Costs": "-0.700", "Claims Reserve and LAE": "-21.0", "Other Liabilities": "13.2", "Unearned Premiums": "-0.853", "Long Term Debt": "-6.50", "Liabilities Current": "0.677", "Policyholder Contract Deposits": "11.8", "Economic Capital Ratio": "2.05", "Premiums Earned": "0.426", "Other Revenues": "-0.667"}, "2010": {"Deferred Policy Acquisition Costs": "-0.342", "Assets": "10.9", "Liabilities": "-5.07", "Stockholders Equity": "7.25", "ECR before LimitedLiability": "1.51", "Assets, Current": "-1.13", "Investments": "10.6", "Assets, Non-Current": "8.49", "Separate Account Asset": "-2.77", "Premiums Receivable": "5.13", "Reinsurance Recoverables": "-1.31", "Other Assets": "-5.68", "Liabilities Current": "0.328", "Other Liabilities": "10.6", "Unearned Premiums": "0.555", "Long Term Debt": "-6.67", "Policyholder Contract Deposits": "5.08", "Claims Reserve and LAE": "-18.3", "Economic Capital Ratio": "1.62", "Premiums Earned": "0.319", "Other Revenues": "-0.592"}, "2011": {"Reinsurance Recoverables": "-1.68", "Assets": "11.0", "Liabilities": "-5.55", "Stockholders Equity": "7.07", "ECR before LimitedLiability": "0.988", "Assets, Non-Current": "9.13", "Other Assets": "-4.81", "Separate Account Asset": "-2.68", "Assets, Current": "-1.12", "Premiums Receivable": "4.40", "Deferred Policy Acquisition Costs": "-0.599", "Investments": "10.1", "Liabilities Current": "0.222", "Long Term Debt": "-6.65", "Other Liabilities": "12.3", "Unearned Premiums": "2.35", "Policyholder Contract Deposits": "4.88", "Claims Reserve and LAE": "-23.8", "Reinsurance Payable": "0.441", "Economic Capital Ratio": "1.15", "Other Revenues": "-0.269"}, "2014": {"Investments": "15.0", "Assets": "11.8", "Liabilities": "-10.4", "Stockholders Equity": "4.01", "ECR before LimitedLiability": "-1.84", "Other Assets": "-7.05", "Separate Account Asset": "-1.61", "Assets, Non-Current": "10.4", "Assets, Current": "-2.31", "Intangible Assets": "-0.332", "Deferred Policy Acquisition Costs": "-0.331", "Premiums Receivable": "2.99", "Reinsurance Recoverables": "-1.40", "Other Liabilities": "6.95", "Long Term Debt": "-7.30", "Policyholder Contract Deposits": "1.62", "Reinsurance Payable": "0.836", "Unearned Premiums": "2.44", "Claims Reserve and LAE": "-17.2", "Liabilities Current": "0.356", "Economic Capital Ratio": "-1.47"}, "2015": {"Separate Account Asset": "-1.41", "Assets": "11.8", "Liabilities": "-10.7", "Stockholders Equity": "3.63", "ECR before LimitedLiability": "-2.41", "Other Assets": "-6.43", "Assets, Current": "-1.83", "Premiums Receivable": "3.32", "Assets, Non-Current": "10.8", "Investments": "11.7", "Deferred Policy Acquisition Costs": "-0.456", "Reinsurance Recoverables": "-1.23", "Policyholder Contract Deposits": "3.10", "Long Term Debt": "-6.43", "Other Liabilities": "3.98", "Claims Reserve and LAE": "-15.9", "Reinsurance Payable": "0.803", "Unearned Premiums": "2.16", "Liabilities Current": "0.329", "Economic Capital Ratio": "-2.12", "Other Revenues": "-0.271"}, "2016": {"Assets, Current": "-1.56", "Assets": "15.2", "Liabilities": "-14.2", "Stockholders Equity": "4.63", "ECR before LimitedLiability": "-2.23", "Reinsurance Recoverables": "-1.34", "Intangible Assets": "-0.346", "Premiums Receivable": "3.01", "Deferred Policy Acquisition Costs": "-0.374", "Investments": "13.9", "Separate Account Asset": "-0.540", "Other Assets": "-5.84", "Assets, Non-Current": "10.6", "Unearned Premiums": "1.91", "Policyholder Contract Deposits": "1.48", "Long Term Debt": "-6.89", "Other Liabilities": "3.21", "Claims Reserve and LAE": "-15.4", "Reinsurance Payable": "0.542", "Economic Capital Ratio": "-1.99", "Other Revenues": "-0.332"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000060086_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "14,620,000", "Claims Reserve and LAE": "34,797,000", "Deferred Acquisition Costs Amortization": "1,417,000", "Deferred Policy Acquisition Costs": "1,108,000", "General and Administrative Expense": "2,972,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "856,000", "Investment Income": "0", "Investments": "46,034,000", "Liabilities Current": "0", "Long Term Debt": "9,475,000", "Other Assets": "817,000", "Other Compr. Net Income": "2,457,000", "Other Expenses": "3,053,000", "Other Liabilities": "4,543,000", "Other Net Income": "-2,000", "Other Revenues": "7,396,000", "Policyholder Benefits and Claims": "5,290,000", "Policyholder Contract Deposits": "615,000", "Premiums Earned": "6,721,000", "Premiums Receivable": "10,212,000", "Reinsurance Payable": "281,000", "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%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "14,434,000", "Claims Reserve and LAE": "34,214,000", "Deferred Acquisition Costs Amortization": "1,387,000", "Deferred Policy Acquisition Costs": "1,079,000", "General and Administrative Expense": "3,433,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "856,000", "Investment Income": "0", "Investments": "48,907,000", "Liabilities Current": "0", "Long Term Debt": "8,830,000", "Other Assets": "409,000", "Other Compr. Net Income": "-53,000", "Other Expenses": "2,803,000", "Other Liabilities": "6,301,000", "Other Net Income": "-20,000", "Other Revenues": "8,100,000", "Policyholder Benefits and Claims": "4,985,000", "Policyholder Contract Deposits": "623,000", "Premiums Earned": "6,515,000", "Premiums Receivable": "10,142,000", "Reinsurance Payable": "0", "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": "450,000", "Unearned Premiums": "3,203,000"}, "output_variables": {"Assets": "76,277,000", "Liabilities": "53,171,000", "Expenses": "12,608,000", "Revenues": "14,615,000", "Stockholders Equity": "23,106,000", "Net Income": "1,987,000", "Comprehensive Net Income": "1,960,500", "BaseVar": "479,556,827", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "14,976,000", "Claims Reserve and LAE": "34,113,000", "Deferred Acquisition Costs Amortization": "1,410,000", "Deferred Policy Acquisition Costs": "658,000", "General and Administrative Expense": "2,925,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "908,000", "Investment Income": "0", "Investments": "49,028,000", "Liabilities Current": "0", "Long Term Debt": "8,913,000", "Other Assets": "129,000", "Other Compr. Net Income": "-498,000", "Other Expenses": "2,607,000", "Other Liabilities": "5,218,000", "Other Net Income": "0", "Other Revenues": "7,524,000", "Policyholder Benefits and Claims": "5,489,000", "Policyholder Contract Deposits": "608,000", "Premiums Earned": "6,603,000", "Premiums Receivable": "9,259,000", "Reinsurance Payable": "0", "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": "417,000", "Unearned Premiums": "3,250,000"}, "output_variables": {"Assets": "75,375,000", "Liabilities": "52,102,000", "Expenses": "12,431,000", "Revenues": "14,127,000", "Stockholders Equity": "23,273,000", "Net Income": "1,696,000", "Comprehensive Net Income": "1,447,000", "BaseVar": "746,970,823", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "17,227,000", "Claims Reserve and LAE": "32,761,000", "Deferred Acquisition Costs Amortization": "1,318,957", "Deferred Policy Acquisition Costs": "600,000", "General and Administrative Expense": "3,676,791", "Insurance Commissions and Fees": "0", "Intangible Assets": "374,000", "Investment Income": "0", "Investments": "52,032,000", "Liabilities Current": "0", "Long Term Debt": "10,333,000", "Other Assets": "364,000", "Other Compr. Net Income": "-449,736", "Other Expenses": "2,488,019", "Other Liabilities": "7,004,000", "Other Net Income": "-268,405", "Other Revenues": "7,074,097", "Policyholder Benefits and Claims": "5,585,012", "Policyholder Contract Deposits": "27,000", "Premiums Earned": "7,193,682", "Premiums Receivable": "7,770,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "14,270,574", "Revenues Y+2": "14,268,087", "Revenues Y+3": "14,267,803", "Revenues Y+4": "14,267,781", "Revenues Y+5": "14,267,779", "Separate Account Asset": "0", "Unearned Premiums": "3,592,000"}, "output_variables": {"Assets": "78,367,000", "Liabilities": "53,717,000", "Expenses": "13,068,778", "Revenues": "14,267,779", "Stockholders Equity": "24,650,000", "Net Income": "930,596", "Comprehensive Net Income": "705,728", "BaseVar": "700,763,667", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "17,199,000", "Claims Reserve and LAE": "32,815,000", "Deferred Acquisition Costs Amortization": "1,533,152", "Deferred Policy Acquisition Costs": "598,000", "General and Administrative Expense": "4,697,672", "Insurance Commissions and Fees": "0", "Intangible Assets": "351,000", "Investment Income": "0", "Investments": "49,400,000", "Liabilities Current": "0", "Long Term Debt": "9,543,000", "Other Assets": "440,000", "Other Compr. Net Income": "-596,651", "Other Expenses": "1,752,359", "Other Liabilities": "7,190,000", "Other Net Income": "-388,233", "Other Revenues": "6,432,200", "Policyholder Benefits and Claims": "5,396,285", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,930,745", "Premiums Receivable": "8,041,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "13,368,892", "Revenues Y+2": "13,363,442", "Revenues Y+3": "13,362,991", "Revenues Y+4": "13,362,948", "Revenues Y+5": "13,362,945", "Separate Account Asset": "0", "Unearned Premiums": "3,671,000"}, "output_variables": {"Assets": "76,029,000", "Liabilities": "53,219,000", "Expenses": "13,379,468", "Revenues": "13,362,945", "Stockholders Equity": "22,810,000", "Net Income": "-404,757", "Comprehensive Net Income": "-703,082", "BaseVar": "683,536,877", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "16,966,000", "Claims Reserve and LAE": "32,669,000", "Deferred Acquisition Costs Amortization": "1,253,295", "Deferred Policy Acquisition Costs": "600,000", "General and Administrative Expense": "4,315,259", "Insurance Commissions and Fees": "0", "Intangible Assets": "346,000", "Investment Income": "0", "Investments": "50,711,000", "Liabilities Current": "0", "Long Term Debt": "10,668,000", "Other Assets": "327,000", "Other Compr. Net Income": "-147,211", "Other Expenses": "1,536,048", "Other Liabilities": "6,134,000", "Other Net Income": "0", "Other Revenues": "6,148,674", "Policyholder Benefits and Claims": "5,288,920", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,923,900", "Premiums Receivable": "7,644,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "13,075,596", "Revenues Y+2": "13,072,857", "Revenues Y+3": "13,072,600", "Revenues Y+4": "13,072,576", "Revenues Y+5": "13,072,574", "Separate Account Asset": "0", "Unearned Premiums": "3,762,000"}, "output_variables": {"Assets": "76,594,000", "Liabilities": "53,233,000", "Expenses": "12,393,522", "Revenues": "13,072,574", "Stockholders Equity": "23,361,000", "Net Income": "679,051", "Comprehensive Net Income": "605,446", "BaseVar": "579,236,935", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 11680500000.0, "future_profits": 3146812905.49364, "valuation_correction": 338708.3892949935, "limited_liability_put_option": 48367655049.966064, "fair_value": 63195306663.849, "market_value": 15340957252.20758}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000060086.svg", "value": 0.9081021915821972, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000060086.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000060086.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000060086.svg"}, {"company_id": "0000896159", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000896159.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Chubb Ltd", "rank": 28, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Chubb Ltd compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Chubb Ltd is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 2.3% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000896159_2017_Chubb_Ltd.pdf", "shrinked_graph_json": {"2009": {"Assets": "9.41", "Liabilities": "-3.82", "Stockholders Equity": "6.45", "ECR before LimitedLiability": "-0.498", "Other Assets": "10.7", "Assets, Current": "-0.648", "Separate Account Asset": "-5.94", "Investments": "7.35", "Premiums Receivable": "0.918", "Intangible Assets": "-0.722", "Deferred Policy Acquisition Costs": "-0.424", "Claims Reserve and LAE": "7.50", "Other Liabilities": "-19.9", "Unearned Premiums": "-3.15", "Long Term Debt": "-0.796", "Reinsurance Payable": "-2.46", "Liabilities Current": "0.600", "Policyholder Contract Deposits": "10.7", "Economic Capital Ratio": "-0.324", "Other Expenses": "-0.170", "Premiums Earned": "-0.355"}, "2010": {"Assets": "12.3", "Liabilities": "-7.89", "Stockholders Equity": "5.89", "ECR before LimitedLiability": "-0.325", "Assets, Current": "-0.700", "Investments": "9.93", "Intangible Assets": "-0.669", "Separate Account Asset": "-3.00", "Premiums Receivable": "1.08", "Reinsurance Recoverables": "-0.477", "Other Assets": "6.11", "Liabilities Current": "0.313", "Reinsurance Payable": "-2.31", "Other Liabilities": "-19.7", "Unearned Premiums": "-1.71", "Long Term Debt": "-1.49", "Policyholder Contract Deposits": "5.01", "Claims Reserve and LAE": "9.20", "Economic Capital Ratio": "-0.215", "Deferred Acquisition Costs Amortization": "0.151", "Premiums Earned": "-0.317"}, "2011": {"Reinsurance Recoverables": "-0.978", "Assets": "9.69", "Liabilities": "-6.11", "Stockholders Equity": "5.10", "ECR before LimitedLiability": "-0.846", "Intangible Assets": "-0.531", "Assets, Non-Current": "0.306", "Other Assets": "5.99", "Separate Account Asset": "-3.05", "Assets, Current": "-0.863", "Premiums Receivable": "0.821", "Investments": "8.54", "Long Term Debt": "-1.12", "Other Liabilities": "-16.0", "Unearned Premiums": "0.619", "Policyholder Contract Deposits": "4.94", "Claims Reserve and LAE": "5.65", "Reinsurance Payable": "-2.16", "Economic Capital Ratio": "-0.685", "Other Revenues": "-1.02", "Premiums Earned": "0.464"}, "2012": {"Assets, Current": "-1.10", "Assets": "10.8", "Liabilities": "-5.67", "Stockholders Equity": "6.70", "ECR before LimitedLiability": "0.520", "Separate Account Asset": "-3.08", "Other Assets": "6.51", "Deferred Policy Acquisition Costs": "0.175", "Intangible Assets": "-0.521", "Reinsurance Recoverables": "-0.909", "Assets, Non-Current": "0.598", "Investments": "8.86", "Premiums Receivable": "0.607", "Reinsurance Payable": "-1.98", "Other Liabilities": "-16.7", "Claims Reserve and LAE": "5.62", "Unearned Premiums": "0.595", "Long Term Debt": "-0.993", "Policyholder Contract Deposits": "5.53", "Liabilities Current": "0.275", "Economic Capital Ratio": "0.689"}, "2013": {"Intangible Assets": "-0.559", "Assets": "6.71", "Liabilities": "-1.86", "Stockholders Equity": "5.92", "ECR before LimitedLiability": "0.694", "Assets, Current": "-1.43", "Reinsurance Recoverables": "-0.784", "Separate Account Asset": "-3.51", "Investments": "9.07", "Assets, Non-Current": "0.763", "Other Assets": "3.01", "Premiums Receivable": "0.725", "Deferred Policy Acquisition Costs": "0.298", "Liabilities Current": "0.298", "Long Term Debt": "-0.718", "Unearned Premiums": "0.411", "Reinsurance Payable": "-2.08", "Claims Reserve and LAE": "8.01", "Other Liabilities": "-16.0", "Policyholder Contract Deposits": "5.94", "Economic Capital Ratio": "0.928"}, "2014": {"Investments": "13.3", "Assets": "11.5", "Liabilities": "-11.0", "Stockholders Equity": "3.14", "ECR before LimitedLiability": "-2.82", "Other Assets": "1.51", "Separate Account Asset": "-1.63", "Assets, Non-Current": "0.698", "Assets, Current": "-2.07", "Intangible Assets": "-0.553", "Deferred Policy Acquisition Costs": "0.518", "Premiums Receivable": "0.883", "Reinsurance Recoverables": "-0.518", "Other Liabilities": "6.28", "Long Term Debt": "-0.554", "Policyholder Contract Deposits": "1.64", "Reinsurance Payable": "-1.88", "Claims Reserve and LAE": "-18.5", "Liabilities Current": "0.354", "Economic Capital Ratio": "-2.46", "Premiums Earned": "-0.263"}, "2015": {"Separate Account Asset": "-1.44", "Assets": "11.3", "Liabilities": "-11.2", "Stockholders Equity": "2.61", "ECR before LimitedLiability": "-3.47", "Other Assets": "1.51", "Assets, Current": "-1.11", "Premiums Receivable": "0.714", "Assets, Non-Current": "0.727", "Investments": "11.3", "Deferred Policy Acquisition Costs": "0.455", "Reinsurance Recoverables": "-0.348", "Intangible Assets": "-0.423", "Policyholder Contract Deposits": "3.10", "Long Term Debt": "-4.05", "Other Liabilities": "4.46", "Claims Reserve and LAE": "-14.0", "Reinsurance Payable": "-1.88", "Liabilities Current": "0.329", "Economic Capital Ratio": "-3.18", "Premiums Earned": "-0.175"}, "2016": {"Assets, Current": "-1.45", "Assets": "11.3", "Liabilities": "-10.7", "Stockholders Equity": "3.24", "ECR before LimitedLiability": "-2.51", "Reinsurance Recoverables": "-0.797", "Intangible Assets": "6.21", "Premiums Receivable": "0.751", "Deferred Policy Acquisition Costs": "0.425", "Investments": "8.80", "Separate Account Asset": "-0.593", "Other Assets": "-2.41", "Assets, Non-Current": "0.450", "Unearned Premiums": "-0.378", "Policyholder Contract Deposits": "1.62", "Long Term Debt": "-2.46", "Liabilities Current": "0.358", "Other Liabilities": "3.95", "Claims Reserve and LAE": "-12.5", "Reinsurance Payable": "-1.71", "Economic Capital Ratio": "-2.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000896159_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "669,000", "Assets, Non-Current": "1,954,000", "Claims Reserve and LAE": "3,008,000", "Deferred Acquisition Costs Amortization": "2,130,000", "Deferred Policy Acquisition Costs": "1,445,000", "General and Administrative Expense": "1,811,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "46,515,000", "Liabilities Current": "0", "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", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "6,067,000"}, "output_variables": {"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%"}}, "2010": {"input_variables": {"Assets, Current": "772,000", "Assets, Non-Current": "2,196,000", "Claims Reserve and LAE": "3,106,000", "Deferred Acquisition Costs Amortization": "2,337,000", "Deferred Policy Acquisition Costs": "1,641,000", "General and Administrative Expense": "1,858,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "51,407,000", "Liabilities Current": "0", "Long Term Debt": "3,358,000", "Other Assets": "21,595,000", "Other Compr. Net Income": "0", "Other Expenses": "1,124,000", "Other Liabilities": "43,884,000", "Other Net Income": "0", "Other Revenues": "2,502,000", "Policyholder Benefits and Claims": "7,579,000", "Policyholder Contract Deposits": "421,000", "Premiums Earned": "13,504,000", "Premiums Receivable": "4,233,000", "Reinsurance Payable": "3,282,000", "Reinsurance Recoverables": "1,511,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "6,330,000"}, "output_variables": {"Assets": "83,355,000", "Liabilities": "60,381,000", "Expenses": "12,898,000", "Revenues": "16,006,000", "Stockholders Equity": "22,974,000", "Net Income": "3,108,000", "Comprehensive Net Income": "3,108,000", "BaseVar": "511,138,517", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2011": {"input_variables": {"Assets, Current": "614,000", "Assets, Non-Current": "2,495,000", "Claims Reserve and LAE": "4,274,000", "Deferred Acquisition Costs Amortization": "2,447,000", "Deferred Policy Acquisition Costs": "1,761,000", "General and Administrative Expense": "2,052,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "55,676,000", "Liabilities Current": "0", "Long Term Debt": "3,360,000", "Other Assets": "21,031,000", "Other Compr. Net Income": "317,000", "Other Expenses": "1,230,000", "Other Liabilities": "44,816,000", "Other Net Income": "0", "Other Revenues": "16,834,000", "Policyholder Benefits and Claims": "9,520,000", "Policyholder Contract Deposits": "663,000", "Premiums Earned": "0", "Premiums Receivable": "4,387,000", "Reinsurance Payable": "3,542,000", "Reinsurance Recoverables": "1,541,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "6,334,000"}, "output_variables": {"Assets": "87,505,000", "Liabilities": "62,989,000", "Expenses": "15,249,000", "Revenues": "16,834,000", "Stockholders Equity": "24,516,000", "Net Income": "1,585,000", "Comprehensive Net Income": "1,743,500", "BaseVar": "893,428,818", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "90%"}}, "2012": {"input_variables": {"Assets, Current": "615,000", "Assets, Non-Current": "2,871,000", "Claims Reserve and LAE": "4,470,000", "Deferred Acquisition Costs Amortization": "2,445,888", "Deferred Policy Acquisition Costs": "1,873,000", "General and Administrative Expense": "2,097,406", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "60,264,000", "Liabilities Current": "0", "Long Term Debt": "3,360,000", "Other Assets": "21,158,000", "Other Compr. Net Income": "4,267,773", "Other Expenses": "1,044,531", "Other Liabilities": "46,848,000", "Other Net Income": "0", "Other Revenues": "14,743,719", "Policyholder Benefits and Claims": "9,657,022", "Policyholder Contract Deposits": "0", "Premiums Earned": "9,423,443", "Premiums Receivable": "4,147,000", "Reinsurance Payable": "3,472,000", "Reinsurance Recoverables": "1,617,000", "Revenues Y+1": "22,456,135", "Revenues Y+2": "14,882,375", "Revenues Y+3": "24,003,783", "Revenues Y+4": "14,212,457", "Revenues Y+5": "24,167,162", "Separate Account Asset": "0", "Unearned Premiums": "6,864,000"}, "output_variables": {"Assets": "92,545,000", "Liabilities": "65,014,000", "Expenses": "15,244,847", "Revenues": "24,167,162", "Stockholders Equity": "27,531,000", "Net Income": "8,922,315", "Comprehensive Net Income": "11,056,201", "BaseVar": "1,348,540,604", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "127%"}}, "2013": {"input_variables": {"Assets, Current": "579,000", "Assets, Non-Current": "3,330,000", "Claims Reserve and LAE": "4,615,000", "Deferred Acquisition Costs Amortization": "2,682,907", "Deferred Policy Acquisition Costs": "2,313,000", "General and Administrative Expense": "2,214,859", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "60,928,000", "Liabilities Current": "0", "Long Term Debt": "3,807,000", "Other Assets": "20,659,000", "Other Compr. Net Income": "970,689", "Other Expenses": "1,265,472", "Other Liabilities": "46,096,000", "Other Net Income": "0", "Other Revenues": "2,517,915", "Policyholder Benefits and Claims": "9,339,001", "Policyholder Contract Deposits": "0", "Premiums Earned": "16,381,712", "Premiums Receivable": "5,026,000", "Reinsurance Payable": "3,628,000", "Reinsurance Recoverables": "1,675,000", "Revenues Y+1": "18,767,316", "Revenues Y+2": "18,958,005", "Revenues Y+3": "18,881,492", "Revenues Y+4": "18,913,360", "Revenues Y+5": "18,899,627", "Separate Account Asset": "0", "Unearned Premiums": "7,539,000"}, "output_variables": {"Assets": "94,510,000", "Liabilities": "65,685,000", "Expenses": "15,502,240", "Revenues": "18,899,627", "Stockholders Equity": "28,825,000", "Net Income": "3,397,388", "Comprehensive Net Income": "3,882,732", "BaseVar": "689,969,157", "ECR before LimitedLiability": "34%", "Economic Capital Ratio": "107%"}}, "2014": {"input_variables": {"Assets, Current": "655,000", "Assets, Non-Current": "3,556,000", "Claims Reserve and LAE": "43,069,000", "Deferred Acquisition Costs Amortization": "3,131,208", "Deferred Policy Acquisition Costs": "2,601,000", "General and Administrative Expense": "2,246,179", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "62,904,000", "Liabilities Current": "0", "Long Term Debt": "3,357,000", "Other Assets": "21,080,000", "Other Compr. Net Income": "-1,031,913", "Other Expenses": "1,344,802", "Other Liabilities": "9,918,000", "Other Net Income": "0", "Other Revenues": "2,047,301", "Policyholder Benefits and Claims": "9,657,371", "Policyholder Contract Deposits": "0", "Premiums Earned": "17,225,929", "Premiums Receivable": "5,426,000", "Reinsurance Payable": "4,095,000", "Reinsurance Recoverables": "2,026,000", "Revenues Y+1": "19,343,887", "Revenues Y+2": "19,218,206", "Revenues Y+3": "19,292,676", "Revenues Y+4": "19,252,203", "Revenues Y+5": "19,273,230", "Separate Account Asset": "0", "Unearned Premiums": "8,222,000"}, "output_variables": {"Assets": "98,248,000", "Liabilities": "68,661,000", "Expenses": "16,379,559", "Revenues": "19,273,230", "Stockholders Equity": "29,587,000", "Net Income": "2,893,671", "Comprehensive Net Income": "2,377,714", "BaseVar": "913,425,147", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2015": {"input_variables": {"Assets, Current": "1,775,000", "Assets, Non-Current": "3,881,000", "Claims Reserve and LAE": "42,110,000", "Deferred Acquisition Costs Amortization": "2,925,586", "Deferred Policy Acquisition Costs": "2,873,000", "General and Administrative Expense": "2,270,873", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "66,251,000", "Liabilities Current": "0", "Long Term Debt": "9,447,000", "Other Assets": "20,181,000", "Other Compr. Net Income": "-465,054", "Other Expenses": "1,451,322", "Other Liabilities": "8,965,000", "Other Net Income": "0", "Other Revenues": "1,764,306", "Policyholder Benefits and Claims": "9,479,565", "Policyholder Contract Deposits": "0", "Premiums Earned": "17,265,408", "Premiums Receivable": "5,323,000", "Reinsurance Payable": "4,270,000", "Reinsurance Recoverables": "2,082,000", "Revenues Y+1": "19,042,171", "Revenues Y+2": "19,026,469", "Revenues Y+3": "19,030,498", "Revenues Y+4": "19,029,707", "Revenues Y+5": "19,029,714", "Separate Account Asset": "0", "Unearned Premiums": "8,439,000"}, "output_variables": {"Assets": "102,366,000", "Liabilities": "73,231,000", "Expenses": "16,127,347", "Revenues": "19,029,714", "Stockholders Equity": "29,135,000", "Net Income": "2,902,367", "Comprehensive Net Income": "2,669,840", "BaseVar": "882,934,991", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2016": {"input_variables": {"Assets, Current": "985,000", "Assets, Non-Current": "5,090,000", "Claims Reserve and LAE": "65,576,000", "Deferred Acquisition Costs Amortization": "5,966,157", "Deferred Policy Acquisition Costs": "4,314,000", "General and Administrative Expense": "3,114,639", "Insurance Commissions and Fees": "0", "Intangible Assets": "22,095,000", "Investment Income": "0", "Investments": "99,094,000", "Liabilities Current": "0", "Long Term Debt": "12,610,000", "Other Assets": "16,790,000", "Other Compr. Net Income": "-1,743,397", "Other Expenses": "2,294,473", "Other Liabilities": "12,909,000", "Other Net Income": "0", "Other Revenues": "2,403,797", "Policyholder Benefits and Claims": "16,103,817", "Policyholder Contract Deposits": "0", "Premiums Earned": "25,883,373", "Premiums Receivable": "8,970,000", "Reinsurance Payable": "5,637,000", "Reinsurance Recoverables": "2,448,000", "Revenues Y+1": "27,218,745", "Revenues Y+2": "28,686,784", "Revenues Y+3": "28,170,030", "Revenues Y+4": "28,356,386", "Revenues Y+5": "28,287,170", "Separate Account Asset": "0", "Unearned Premiums": "14,779,000"}, "output_variables": {"Assets": "159,786,000", "Liabilities": "111,511,000", "Expenses": "27,479,086", "Revenues": "28,287,170", "Stockholders Equity": "48,275,000", "Net Income": "808,084", "Comprehensive Net Income": "-63,615", "BaseVar": "1,290,460,792", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}}, "top_rated": false, "trend": 4.0, "valuation": {"past_accumulated_profits": 24137500000.0, "future_profits": 6305401812.120789, "valuation_correction": -112308902.00125858, "limited_liability_put_option": 101134362442.29681, "fair_value": 131464955352.41635, "market_value": 52252665422.91585}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000896159.svg", "value": 0.9052149111025637, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000896159.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000896159.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000896159.svg"}, {"company_id": "0001214816", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001214816.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "AXIS Capital Holdings LTD", "rank": 29, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of AXIS Capital Holdings LTD compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of AXIS Capital Holdings LTD is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 2.3% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001214816_2017_AXIS_Capital_Holdings_LTD.pdf", "shrinked_graph_json": {"2010": {"Assets": "7.71", "Liabilities": "0.199", "Stockholders Equity": "8.97", "ECR before LimitedLiability": "3.93", "Assets, Current": "1.36", "Investments": "12.4", "Intangible Assets": "-0.701", "Assets, Non-Current": "-0.676", "Separate Account Asset": "-3.13", "Premiums Receivable": "2.37", "Reinsurance Recoverables": "3.70", "Other Assets": "-5.36", "Liabilities Current": "0.362", "Reinsurance Payable": "-0.420", "Other Liabilities": "12.2", "Unearned Premiums": "-6.17", "Long Term Debt": "1.23", "Policyholder Contract Deposits": "6.12", "Claims Reserve and LAE": "-16.2", "Economic Capital Ratio": "4.04", "Premiums Earned": "-0.324"}, "2011": {"Reinsurance Recoverables": "3.23", "Assets": "3.38", "Liabilities": "1.32", "Stockholders Equity": "5.10", "ECR before LimitedLiability": "0.843", "Intangible Assets": "-0.596", "Assets, Non-Current": "-0.550", "Other Assets": "-5.01", "Separate Account Asset": "-3.40", "Assets, Current": "1.17", "Premiums Receivable": "1.98", "Investments": "8.33", "Liabilities Current": "0.260", "Long Term Debt": "1.53", "Other Liabilities": "14.7", "Unearned Premiums": "-2.93", "Policyholder Contract Deposits": "6.24", "Claims Reserve and LAE": "-23.4", "Reinsurance Payable": "-0.235", "Economic Capital Ratio": "1.00", "Premiums Earned": "-0.201"}, "2012": {"Assets, Current": "0.297", "Assets": "7.18", "Liabilities": "-1.82", "Stockholders Equity": "6.45", "ECR before LimitedLiability": "1.11", "Separate Account Asset": "-3.29", "Other Assets": "-3.84", "Intangible Assets": "-0.558", "Reinsurance Recoverables": "3.56", "Assets, Non-Current": "-0.355", "Investments": "10.6", "Premiums Receivable": "2.06", "Reinsurance Payable": "-0.429", "Other Liabilities": "13.4", "Claims Reserve and LAE": "-25.0", "Unearned Premiums": "-2.66", "Long Term Debt": "1.45", "Policyholder Contract Deposits": "5.99", "Liabilities Current": "0.298", "Economic Capital Ratio": "1.28", "Premiums Earned": "-0.154"}, "2013": {"Intangible Assets": "-0.582", "Assets": "4.92", "Liabilities": "-0.558", "Stockholders Equity": "5.12", "ECR before LimitedLiability": "0.271", "Assets, Current": "0.332", "Reinsurance Recoverables": "3.79", "Separate Account Asset": "-3.65", "Investments": "11.5", "Assets, Non-Current": "-0.247", "Other Assets": "-6.14", "Premiums Receivable": "2.22", "Liabilities Current": "0.308", "Long Term Debt": "1.94", "Unearned Premiums": "-3.12", "Reinsurance Payable": "-0.311", "Claims Reserve and LAE": "-22.5", "Other Liabilities": "12.5", "Policyholder Contract Deposits": "6.13", "Economic Capital Ratio": "0.505", "Premiums Earned": "-0.324"}, "2014": {"Investments": "13.9", "Assets": "6.57", "Liabilities": "-7.23", "Stockholders Equity": "1.32", "ECR before LimitedLiability": "-3.26", "Other Assets": "-7.23", "Separate Account Asset": "-1.81", "Assets, Non-Current": "-0.482", "Assets, Current": "-0.596", "Intangible Assets": "-0.614", "Deferred Policy Acquisition Costs": "0.303", "Premiums Receivable": "2.40", "Reinsurance Recoverables": "3.78", "Other Liabilities": "9.00", "Long Term Debt": "1.80", "Policyholder Contract Deposits": "1.80", "Unearned Premiums": "-2.86", "Claims Reserve and LAE": "-20.3", "Liabilities Current": "0.390", "Economic Capital Ratio": "-2.90", "Premiums Earned": "-0.247"}, "2015": {"Separate Account Asset": "-1.52", "Assets": "8.16", "Liabilities": "-8.02", "Stockholders Equity": "2.26", "ECR before LimitedLiability": "-2.98", "Other Assets": "-6.45", "Assets, Current": "0.217", "Premiums Receivable": "2.83", "Assets, Non-Current": "-0.361", "Investments": "10.9", "Reinsurance Recoverables": "4.63", "Intangible Assets": "-0.449", "Policyholder Contract Deposits": "3.32", "Long Term Debt": "2.05", "Other Liabilities": "6.30", "Claims Reserve and LAE": "-18.6", "Reinsurance Payable": "-0.281", "Unearned Premiums": "-3.25", "Liabilities Current": "0.353", "Economic Capital Ratio": "-2.70", "Premiums Earned": "-0.199"}, "2016": {"Assets, Current": "0.540", "Assets": "12.2", "Liabilities": "-11.5", "Stockholders Equity": "3.44", "ECR before LimitedLiability": "-2.55", "Reinsurance Recoverables": "5.22", "Intangible Assets": "-0.592", "Premiums Receivable": "3.45", "Investments": "10.9", "Separate Account Asset": "-0.583", "Other Assets": "-5.77", "Assets, Non-Current": "-0.337", "Unearned Premiums": "-3.82", "Policyholder Contract Deposits": "1.59", "Long Term Debt": "2.60", "Liabilities Current": "0.352", "Other Liabilities": "4.67", "Claims Reserve and LAE": "-17.2", "Reinsurance Payable": "-0.954", "Premiums Earned": "-0.193", "Economic Capital Ratio": "-2.31"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001214816_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "929,515", "Assets, Non-Current": "174,707", "Claims Reserve and LAE": "7,032,375", "Deferred Acquisition Costs Amortization": "488,712", "Deferred Policy Acquisition Costs": "359,300", "General and Administrative Expense": "449,885", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "11,524,166", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "315,435", "Other Compr. Net Income": "91,188", "Other Expenses": "79,021", "Other Liabilities": "1,289,783", "Other Net Income": "0", "Other Revenues": "604,063", "Policyholder Benefits and Claims": "1,677,132", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,947,410", "Premiums Receivable": "1,343,665", "Reinsurance Payable": "164,927", "Reinsurance Recoverables": "1,798,943", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,333,676"}, "output_variables": {"Assets": "16,445,731", "Liabilities": "10,820,761", "Expenses": "2,694,750", "Revenues": "3,551,473", "Stockholders Equity": "5,624,970", "Net Income": "856,723", "Comprehensive Net Income": "902,317", "BaseVar": "109,946,483", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2011": {"input_variables": {"Assets, Current": "981,849", "Assets, Non-Current": "225,072", "Claims Reserve and LAE": "8,425,045", "Deferred Acquisition Costs Amortization": "587,469", "Deferred Policy Acquisition Costs": "407,527", "General and Administrative Expense": "459,151", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "12,466,889", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "301,931", "Other Compr. Net Income": "-48,659", "Other Expenses": "33,249", "Other Liabilities": "1,275,934", "Other Net Income": "0", "Other Revenues": "486,265", "Policyholder Benefits and Claims": "2,675,052", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,314,961", "Premiums Receivable": "1,413,839", "Reinsurance Payable": "206,539", "Reinsurance Recoverables": "2,008,952", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,454,462"}, "output_variables": {"Assets": "17,806,059", "Liabilities": "12,361,980", "Expenses": "3,754,921", "Revenues": "3,801,226", "Stockholders Equity": "5,444,079", "Net Income": "46,305", "Comprehensive Net Income": "21,976", "BaseVar": "207,124,575", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2012": {"input_variables": {"Assets, Current": "759,817", "Assets, Non-Current": "215,369", "Claims Reserve and LAE": "9,058,731", "Deferred Acquisition Costs Amortization": "627,653", "Deferred Policy Acquisition Costs": "389,248", "General and Administrative Expense": "560,981", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,546,894", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "286,700", "Other Compr. Net Income": "234,460", "Other Expenses": "94,662", "Other Liabilities": "1,288,421", "Other Net Income": "0", "Other Revenues": "511,102", "Policyholder Benefits and Claims": "2,096,028", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,415,463", "Premiums Receivable": "1,474,821", "Reinsurance Payable": "270,739", "Reinsurance Recoverables": "2,179,495", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,454,692"}, "output_variables": {"Assets": "18,852,344", "Liabilities": "13,072,583", "Expenses": "3,379,324", "Revenues": "3,926,565", "Stockholders Equity": "5,779,761", "Net Income": "547,241", "Comprehensive Net Income": "664,471", "BaseVar": "235,158,655", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2013": {"input_variables": {"Assets, Current": "923,326", "Assets, Non-Current": "273,385", "Claims Reserve and LAE": "9,582,140", "Deferred Acquisition Costs Amortization": "674,172", "Deferred Policy Acquisition Costs": "456,122", "General and Administrative Expense": "575,850", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,780,336", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "252,409", "Other Compr. Net Income": "234,429", "Other Expenses": "94,958", "Other Liabilities": "1,266,421", "Other Net Income": "0", "Other Revenues": "492,885", "Policyholder Benefits and Claims": "2,147,528", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,750,697", "Premiums Receivable": "1,688,957", "Reinsurance Payable": "234,412", "Reinsurance Recoverables": "2,260,249", "Revenues Y+1": "4,238,608", "Revenues Y+2": "4,242,704", "Revenues Y+3": "4,243,513", "Revenues Y+4": "4,243,564", "Revenues Y+5": "4,243,582", "Separate Account Asset": "0", "Unearned Premiums": "2,683,849"}, "output_variables": {"Assets": "19,634,784", "Liabilities": "13,766,822", "Expenses": "3,492,507", "Revenues": "4,243,582", "Stockholders Equity": "5,867,962", "Net Income": "751,075", "Comprehensive Net Income": "868,289", "BaseVar": "154,123,518", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2014": {"input_variables": {"Assets, Current": "921,830", "Assets, Non-Current": "250,670", "Claims Reserve and LAE": "9,596,797", "Deferred Acquisition Costs Amortization": "758,270", "Deferred Policy Acquisition Costs": "466,987", "General and Administrative Expense": "623,514", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,769,979", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "460,064", "Other Compr. Net Income": "-203,440", "Other Expenses": "32,003", "Other Liabilities": "1,494,437", "Other Net Income": "6,181", "Other Revenues": "477,779", "Policyholder Benefits and Claims": "2,205,109", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,896,425", "Premiums Receivable": "1,808,620", "Reinsurance Payable": "249,186", "Reinsurance Recoverables": "2,277,586", "Revenues Y+1": "4,371,231", "Revenues Y+2": "4,373,660", "Revenues Y+3": "4,374,160", "Revenues Y+4": "4,374,193", "Revenues Y+5": "4,374,204", "Separate Account Asset": "0", "Unearned Premiums": "2,735,376"}, "output_variables": {"Assets": "19,955,736", "Liabilities": "14,075,796", "Expenses": "3,618,896", "Revenues": "4,374,204", "Stockholders Equity": "5,879,940", "Net Income": "761,489", "Comprehensive Net Income": "659,769", "BaseVar": "202,597,674", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "104%"}}, "2015": {"input_variables": {"Assets, Current": "988,133", "Assets, Non-Current": "313,267", "Claims Reserve and LAE": "9,646,285", "Deferred Acquisition Costs Amortization": "712,918", "Deferred Policy Acquisition Costs": "471,782", "General and Administrative Expense": "596,092", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,375,186", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "373,683", "Other Compr. Net Income": "-154,559", "Other Expenses": "-2,774", "Other Liabilities": "1,351,418", "Other Net Income": "6,066", "Other Revenues": "449,042", "Policyholder Benefits and Claims": "2,172,521", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,658,717", "Premiums Receivable": "1,967,535", "Reinsurance Payable": "356,417", "Reinsurance Recoverables": "2,492,305", "Revenues Y+1": "4,112,372", "Revenues Y+2": "4,108,034", "Revenues Y+3": "4,107,856", "Revenues Y+4": "4,107,757", "Revenues Y+5": "4,107,759", "Separate Account Asset": "0", "Unearned Premiums": "2,760,889"}, "output_variables": {"Assets": "19,981,891", "Liabilities": "14,115,009", "Expenses": "3,478,757", "Revenues": "4,107,759", "Stockholders Equity": "5,866,882", "Net Income": "635,069", "Comprehensive Net Income": "557,789", "BaseVar": "189,975,698", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2016": {"input_variables": {"Assets, Current": "1,039,494", "Assets, Non-Current": "295,120", "Claims Reserve and LAE": "9,697,827", "Deferred Acquisition Costs Amortization": "754,592", "Deferred Policy Acquisition Costs": "438,636", "General and Administrative Expense": "602,884", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "13,459,507", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "376,156", "Other Compr. Net Income": "-22,263", "Other Expenses": "-49,293", "Other Liabilities": "1,380,813", "Other Net Income": "-1,572", "Other Revenues": "322,183", "Policyholder Benefits and Claims": "2,213,978", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,708,485", "Premiums Receivable": "2,313,512", "Reinsurance Payable": "493,183", "Reinsurance Recoverables": "2,891,266", "Revenues Y+1": "4,034,323", "Revenues Y+2": "4,029,883", "Revenues Y+3": "4,030,791", "Revenues Y+4": "4,030,639", "Revenues Y+5": "4,030,668", "Separate Account Asset": "0", "Unearned Premiums": "2,969,498"}, "output_variables": {"Assets": "20,813,691", "Liabilities": "14,541,321", "Expenses": "3,522,161", "Revenues": "4,030,668", "Stockholders Equity": "6,272,370", "Net Income": "506,936", "Comprehensive Net Income": "495,804", "BaseVar": "169,819,349", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 3136185000.0, "future_profits": 1680534064.3400757, "valuation_correction": 380458.7377458561, "limited_liability_put_option": 13090942167.670622, "fair_value": 17908041690.748444, "market_value": 4445127684.524088}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001214816.svg", "value": 0.9048409050859052, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001214816.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001214816.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001214816.svg"}, {"company_id": "0001071739", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001071739.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Centene CORP", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Centene CORP compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 25% points.The greatest weakness of Centene CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 92% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 2.5% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001071739_2017_Centene_CORP.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-8.67", "Assets": "-49.3", "Liabilities": "33.2", "Stockholders Equity": "-72.5", "ECR before LimitedLiability": "8.62", "Assets, Current": "2.59", "Investments": "-44.6", "Assets, Non-Current": "-4.06", "Separate Account Asset": "-20.8", "Premiums Receivable": "-8.89", "Reinsurance Recoverables": "-11.1", "Other Assets": "-31.3", "Liabilities Current": "-28.5", "Reinsurance Payable": "2.80", "Other Liabilities": "28.8", "Unearned Premiums": "21.7", "Policyholder Contract Deposits": "22.8", "Claims Reserve and LAE": "25.9", "Economic Capital Ratio": "8.73", "Premiums Earned": "0.715", "Other Revenues": "-1.93"}, "2011": {"Reinsurance Recoverables": "-14.5", "Assets": "-48.8", "Liabilities": "35.8", "Stockholders Equity": "-85.5", "ECR before LimitedLiability": "9.06", "Assets, Non-Current": "-3.99", "Other Assets": "-29.3", "Separate Account Asset": "-21.5", "Assets, Current": "5.22", "Premiums Receivable": "-10.7", "Deferred Policy Acquisition Costs": "-9.46", "Investments": "-45.0", "Liabilities Current": "-29.1", "Long Term Debt": "4.37", "Other Liabilities": "32.0", "Unearned Premiums": "25.1", "Policyholder Contract Deposits": "25.3", "Claims Reserve and LAE": "26.4", "Reinsurance Payable": "5.88", "Economic Capital Ratio": "9.22", "Other Expenses": "1.19"}, "2012": {"Assets": "-55.2", "Liabilities": "31.9", "Stockholders Equity": "-110", "ECR before LimitedLiability": "3.81", "Separate Account Asset": "-27.6", "Other Assets": "-33.1", "Deferred Policy Acquisition Costs": "-9.73", "Intangible Assets": "-3.52", "Reinsurance Recoverables": "-18.6", "Assets, Non-Current": "-5.95", "Investments": "-52.0", "Premiums Receivable": "-13.9", "Reinsurance Payable": "7.40", "Other Liabilities": "28.3", "Claims Reserve and LAE": "22.8", "Unearned Premiums": "21.1", "Long Term Debt": "7.74", "Policyholder Contract Deposits": "21.4", "Liabilities Current": "-29.6", "Economic Capital Ratio": "3.98", "Policyholder Benefits and Claims": "0.302"}, "2013": {"Intangible Assets": "-2.67", "Assets": "-55.0", "Liabilities": "31.2", "Stockholders Equity": "-109", "ECR before LimitedLiability": "3.68", "Assets, Current": "-1.42", "Reinsurance Recoverables": "-16.2", "Separate Account Asset": "-27.9", "Investments": "-50.7", "Assets, Non-Current": "-6.05", "Other Assets": "-38.2", "Premiums Receivable": "-13.9", "Deferred Policy Acquisition Costs": "-9.49", "Liabilities Current": "-30.7", "Long Term Debt": "13.0", "Unearned Premiums": "20.1", "Reinsurance Payable": "6.35", "Claims Reserve and LAE": "23.1", "Other Liabilities": "26.9", "Policyholder Contract Deposits": "20.5", "Economic Capital Ratio": "3.91"}, "2014": {"Investments": "-50.3", "Assets": "-55.7", "Liabilities": "28.6", "Stockholders Equity": "-137", "ECR before LimitedLiability": "-1.38", "Other Assets": "-41.6", "Separate Account Asset": "-17.1", "Assets, Non-Current": "-8.59", "Assets, Current": "-9.29", "Intangible Assets": "-1.10", "Deferred Policy Acquisition Costs": "-8.37", "Premiums Receivable": "-12.7", "Reinsurance Recoverables": "-15.4", "Other Liabilities": "23.9", "Long Term Debt": "11.3", "Policyholder Contract Deposits": "16.5", "Reinsurance Payable": "11.3", "Unearned Premiums": "18.7", "Claims Reserve and LAE": "22.0", "Liabilities Current": "-33.8", "Economic Capital Ratio": "-1.01"}, "2015": {"Separate Account Asset": "-16.5", "Assets": "-56.8", "Liabilities": "28.7", "Stockholders Equity": "-145", "ECR before LimitedLiability": "-1.55", "Other Assets": "-41.8", "Assets, Current": "-6.41", "Premiums Receivable": "-13.8", "Assets, Non-Current": "-10.3", "Investments": "-52.4", "Deferred Policy Acquisition Costs": "-10.6", "Reinsurance Recoverables": "-14.9", "Policyholder Contract Deposits": "16.9", "Long Term Debt": "16.0", "Other Liabilities": "22.6", "Claims Reserve and LAE": "23.0", "Reinsurance Payable": "11.8", "Unearned Premiums": "18.5", "Liabilities Current": "-33.2", "Economic Capital Ratio": "-1.26", "Policyholder Benefits and Claims": "0.455"}, "2016": {"Assets, Current": "1.55", "Assets": "-53.7", "Liabilities": "24.5", "Stockholders Equity": "-92.3", "ECR before LimitedLiability": "-2.76", "Reinsurance Recoverables": "-12.0", "Intangible Assets": "9.25", "Premiums Receivable": "-9.23", "Deferred Policy Acquisition Costs": "-7.03", "Investments": "-48.5", "Separate Account Asset": "-5.38", "Other Assets": "-35.4", "Assets, Non-Current": "-7.13", "Unearned Premiums": "15.9", "Policyholder Contract Deposits": "14.5", "Long Term Debt": "8.21", "Liabilities Current": "-28.8", "Other Liabilities": "18.3", "Claims Reserve and LAE": "19.7", "Reinsurance Payable": "5.63", "Economic Capital Ratio": "-2.52"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001071739_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "656,821", "Assets, Non-Current": "326,341", "Claims Reserve and LAE": "456,765", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "547,823", "Insurance Commissions and Fees": "0", "Intangible Assets": "307,160", "Investment Income": "0", "Investments": "595,879", "Liabilities Current": "765,246", "Long Term Debt": "381,202", "Other Assets": "-78,562", "Other Compr. Net Income": "0", "Other Expenses": "306,929", "Other Liabilities": "-456,386", "Other Net Income": "19,094", "Other Revenues": "4,448,323", "Policyholder Benefits and Claims": "3,514,394", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "136,243", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,943,882", "Liabilities": "1,146,827", "Expenses": "4,369,146", "Revenues": "4,448,323", "Stockholders Equity": "797,055", "Net Income": "98,271", "Comprehensive Net Income": "98,271", "BaseVar": "135,839,625", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}, "2011": {"input_variables": {"Assets, Current": "940,010", "Assets, Non-Current": "349,622", "Claims Reserve and LAE": "607,985", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "309,411", "Investment Income": "0", "Investments": "506,140", "Liabilities Current": "837,613", "Long Term Debt": "416,304", "Other Assets": "-72,297", "Other Compr. Net Income": "5,047", "Other Expenses": "5,237,100", "Other Liabilities": "-607,985", "Other Net Income": "4,881", "Other Revenues": "263,340", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,077,242", "Premiums Receivable": "157,450", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "2,190,336", "Liabilities": "1,253,917", "Expenses": "5,237,100", "Revenues": "5,340,582", "Stockholders Equity": "936,419", "Net Income": "108,363", "Comprehensive Net Income": "110,886", "BaseVar": "269,086,015", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2012": {"input_variables": {"Assets, Current": "1,373,602", "Assets, Non-Current": "377,726", "Claims Reserve and LAE": "926,302", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "704,604", "Insurance Commissions and Fees": "0", "Intangible Assets": "276,556", "Investment Income": "0", "Investments": "614,723", "Liabilities Current": "1,197,090", "Long Term Debt": "590,825", "Other Assets": "-164,377", "Other Compr. Net Income": "12,582", "Other Expenses": "564,223", "Other Liabilities": "-926,302", "Other Net Income": "35,957", "Other Revenues": "541,407", "Policyholder Benefits and Claims": "7,446,037", "Policyholder Contract Deposits": "0", "Premiums Earned": "8,126,205", "Premiums Receivable": "263,452", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "2,741,682", "Liabilities": "1,787,915", "Expenses": "8,714,864", "Revenues": "8,667,612", "Stockholders Equity": "953,767", "Net Income": "-11,295", "Comprehensive Net Income": "-5,004", "BaseVar": "508,980,351", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2013": {"input_variables": {"Assets, Current": "1,800,173", "Assets, Non-Current": "395,407", "Claims Reserve and LAE": "1,111,709", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "855,786", "Insurance Commissions and Fees": "0", "Intangible Assets": "397,212", "Investment Income": "0", "Investments": "791,900", "Liabilities Current": "1,559,121", "Long Term Debt": "725,712", "Other Assets": "-283,962", "Other Compr. Net Income": "12,498", "Other Expenses": "716,572", "Other Liabilities": "-1,110,681", "Other Net Income": "29,437", "Other Revenues": "649,276", "Policyholder Benefits and Claims": "8,602,842", "Policyholder Contract Deposits": "0", "Premiums Earned": "13,133,205", "Premiums Receivable": "428,570", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "12,026,388", "Revenues Y+2": "12,846,542", "Revenues Y+3": "13,299,273", "Revenues Y+4": "13,607,262", "Revenues Y+5": "13,782,482", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "3,529,300", "Liabilities": "2,285,861", "Expenses": "10,175,199", "Revenues": "13,782,482", "Stockholders Equity": "1,243,439", "Net Income": "3,636,720", "Comprehensive Net Income": "3,642,969", "BaseVar": "416,694,065", "ECR before LimitedLiability": "419%", "Economic Capital Ratio": "420%"}}, "2014": {"input_variables": {"Assets, Current": "3,034,000", "Assets, Non-Current": "445,000", "Claims Reserve and LAE": "1,723,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,207,084", "Insurance Commissions and Fees": "0", "Intangible Assets": "874,000", "Investment Income": "0", "Investments": "1,280,000", "Liabilities Current": "2,900,000", "Long Term Debt": "1,046,000", "Other Assets": "-707,000", "Other Compr. Net Income": "-5,198", "Other Expenses": "1,822,058", "Other Liabilities": "-1,722,000", "Other Net Income": "26,586", "Other Revenues": "1,775,237", "Policyholder Benefits and Claims": "11,922,077", "Policyholder Contract Deposits": "0", "Premiums Earned": "23,822,321", "Premiums Receivable": "912,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "18,782,936", "Revenues Y+2": "21,578,585", "Revenues Y+3": "23,136,089", "Revenues Y+4": "24,620,966", "Revenues Y+5": "25,597,558", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "5,838,000", "Liabilities": "3,947,000", "Expenses": "14,951,219", "Revenues": "25,597,558", "Stockholders Equity": "1,891,000", "Net Income": "10,672,925", "Comprehensive Net Income": "10,670,326", "BaseVar": "923,004,735", "ECR before LimitedLiability": "678%", "Economic Capital Ratio": "678%"}}, "2015": {"input_variables": {"Assets, Current": "3,605,000", "Assets, Non-Current": "518,000", "Claims Reserve and LAE": "2,298,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,744,860", "Insurance Commissions and Fees": "0", "Intangible Assets": "997,000", "Investment Income": "0", "Investments": "1,927,000", "Liabilities Current": "3,629,000", "Long Term Debt": "1,386,000", "Other Assets": "-987,000", "Other Compr. Net Income": "8,812", "Other Expenses": "3,056,691", "Other Liabilities": "-2,298,000", "Other Net Income": "32,596", "Other Revenues": "3,055,857", "Policyholder Benefits and Claims": "17,039,040", "Policyholder Contract Deposits": "0", "Premiums Earned": "39,467,645", "Premiums Receivable": "1,279,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "27,065,816", "Revenues Y+2": "31,615,900", "Revenues Y+3": "35,512,771", "Revenues Y+4": "39,200,152", "Revenues Y+5": "42,523,502", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "7,339,000", "Liabilities": "5,015,000", "Expenses": "21,840,591", "Revenues": "42,523,502", "Stockholders Equity": "2,324,000", "Net Income": "20,715,507", "Comprehensive Net Income": "20,719,913", "BaseVar": "1,443,799,804", "ECR before LimitedLiability": "963%", "Economic Capital Ratio": "963%"}}, "2016": {"input_variables": {"Assets, Current": "8,365,000", "Assets, Non-Current": "797,000", "Claims Reserve and LAE": "3,929,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,172,470", "Insurance Commissions and Fees": "0", "Intangible Assets": "6,257,000", "Investment Income": "0", "Investments": "4,545,000", "Liabilities Current": "8,623,000", "Long Term Debt": "5,520,000", "Other Assets": "-2,865,000", "Other Compr. Net Income": "-20,558", "Other Expenses": "5,184,907", "Other Liabilities": "-3,929,000", "Other Net Income": "86,388", "Other Revenues": "4,690,816", "Policyholder Benefits and Claims": "42,888,756", "Policyholder Contract Deposits": "0", "Premiums Earned": "115,359,909", "Premiums Receivable": "3,098,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "55,899,821", "Revenues Y+2": "72,173,310", "Revenues Y+3": "88,058,873", "Revenues Y+4": "104,086,396", "Revenues Y+5": "120,050,724", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "20,197,000", "Liabilities": "14,143,000", "Expenses": "53,246,133", "Revenues": "120,050,724", "Stockholders Equity": "6,054,000", "Net Income": "66,890,980", "Comprehensive Net Income": "66,880,701", "BaseVar": "3,499,174,085", "ECR before LimitedLiability": "983%", "Economic Capital Ratio": "983%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 3027000000.0, "future_profits": 166048493319.03348, "valuation_correction": -314780281.5152941, "limited_liability_put_option": 0.02693154144139953, "fair_value": 168760713037.5451, "market_value": 9766480861.110573}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001071739.svg", "value": 0.9027577878306776, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001071739.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001071739.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001071739.svg"}, {"company_id": "0001018979", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001018979.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001018979.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001018979.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001018979_256x256.png", "name": "Amerisafe INC", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001018979.svg", "report_text": "The relative strengths and weaknesses of Amerisafe 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. <br/><br/>The greatest strength of Amerisafe INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of Amerisafe INC is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 14% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 2.5% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001018979_2017_Amerisafe_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "1.62", "Assets": "-0.642", "Liabilities": "5.38", "Stockholders Equity": "3.98", "ECR before LimitedLiability": "0.744", "Intangible Assets": "-0.650", "Assets, Non-Current": "-0.483", "Other Assets": "-4.75", "Separate Account Asset": "-3.69", "Assets, Current": "0.326", "Premiums Receivable": "3.09", "Deferred Policy Acquisition Costs": "-0.539", "Investments": "5.69", "Liabilities Current": "0.284", "Long Term Debt": "1.67", "Other Liabilities": "-14.6", "Policyholder Contract Deposits": "4.85", "Claims Reserve and LAE": "10.6", "Reinsurance Payable": "0.563", "Economic Capital Ratio": "0.905", "Premiums Earned": "-0.265"}, "2012": {"Assets, Current": "1.57", "Assets": "-2.67", "Liabilities": "8.45", "Stockholders Equity": "4.20", "ECR before LimitedLiability": "1.45", "Separate Account Asset": "-4.01", "Other Assets": "-4.14", "Deferred Policy Acquisition Costs": "-0.305", "Intangible Assets": "-0.688", "Reinsurance Recoverables": "1.50", "Assets, Non-Current": "-0.393", "Investments": "1.00", "Premiums Receivable": "3.51", "Reinsurance Payable": "0.601", "Other Liabilities": "-12.4", "Claims Reserve and LAE": "11.2", "Unearned Premiums": "-0.238", "Long Term Debt": "1.81", "Policyholder Contract Deposits": "5.48", "Liabilities Current": "0.372", "Economic Capital Ratio": "1.62"}, "2013": {"Intangible Assets": "-0.711", "Assets": "-4.61", "Liabilities": "10.2", "Stockholders Equity": "3.25", "ECR before LimitedLiability": "1.19", "Assets, Current": "2.03", "Reinsurance Recoverables": "0.529", "Separate Account Asset": "-4.40", "Investments": "2.82", "Assets, Non-Current": "-0.525", "Other Assets": "-6.69", "Premiums Receivable": "3.89", "Deferred Policy Acquisition Costs": "-0.386", "Long Term Debt": "2.42", "Unearned Premiums": "-0.876", "Reinsurance Payable": "-1.23", "Claims Reserve and LAE": "-17.0", "Other Liabilities": "15.3", "Policyholder Contract Deposits": "5.57", "Economic Capital Ratio": "1.42", "Premiums Earned": "-0.417"}, "2014": {"Investments": "7.12", "Assets": "-4.28", "Liabilities": "4.11", "Stockholders Equity": "-1.99", "ECR before LimitedLiability": "-2.49", "Other Assets": "-8.80", "Separate Account Asset": "-2.26", "Assets, Non-Current": "-0.656", "Assets, Current": "-0.577", "Intangible Assets": "-0.770", "Deferred Policy Acquisition Costs": "-0.350", "Premiums Receivable": "3.44", "Reinsurance Recoverables": "0.634", "Other Liabilities": "14.2", "Long Term Debt": "2.30", "Reinsurance Payable": "-0.771", "Claims Reserve and LAE": "-15.3", "Liabilities Current": "0.499", "Economic Capital Ratio": "-2.12", "Other Revenues": "0.243", "Premiums Earned": "-0.302"}, "2015": {"Separate Account Asset": "-1.86", "Assets": "-1.53", "Liabilities": "1.66", "Stockholders Equity": "-0.483", "ECR before LimitedLiability": "-2.53", "Other Assets": "-7.56", "Assets, Current": "-0.395", "Premiums Receivable": "3.61", "Investments": "6.17", "Deferred Policy Acquisition Costs": "-0.463", "Reinsurance Recoverables": "1.11", "Intangible Assets": "-0.549", "Policyholder Contract Deposits": "2.10", "Long Term Debt": "2.54", "Other Liabilities": "10.1", "Claims Reserve and LAE": "-14.3", "Reinsurance Payable": "-1.09", "Liabilities Current": "0.438", "Economic Capital Ratio": "-2.24", "Other Revenues": "0.212", "Premiums Earned": "-0.304"}, "2016": {"Assets, Current": "-0.437", "Assets": "0.785", "Liabilities": "-1.37", "Stockholders Equity": "-0.214", "ECR before LimitedLiability": "-2.77", "Reinsurance Recoverables": "0.634", "Intangible Assets": "-0.751", "Premiums Receivable": "3.39", "Deferred Policy Acquisition Costs": "-0.425", "Investments": "7.79", "Separate Account Asset": "-0.740", "Other Assets": "-6.92", "Unearned Premiums": "0.0972", "Long Term Debt": "3.28", "Liabilities Current": "0.447", "Other Liabilities": "7.87", "Claims Reserve and LAE": "-14.1", "Reinsurance Payable": "-0.622", "Premiums Earned": "-0.270", "Economic Capital Ratio": "-2.53", "Other Revenues": "0.207"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001018979_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "45,536", "Assets, Non-Current": "18,882", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "18,756", "General and Administrative Expense": "38,421", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "28,568", "Investments": "805,974", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "41,926", "Other Compr. Net Income": "1,950", "Other Expenses": "28,411", "Other Liabilities": "641,730", "Other Net Income": "0", "Other Revenues": "1,080", "Policyholder Benefits and Claims": "189,706", "Policyholder Contract Deposits": "37,228", "Premiums Earned": "251,015", "Premiums Receivable": "121,223", "Reinsurance Payable": "0", "Reinsurance Recoverables": "96,212", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "118,699"}, "output_variables": {"Assets": "1,148,509", "Liabilities": "797,657", "Expenses": "256,538", "Revenues": "280,663", "Stockholders Equity": "350,852", "Net Income": "24,125", "Comprehensive Net Income": "25,100", "BaseVar": "14,588,007", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2012": {"input_variables": {"Assets, Current": "92,676", "Assets, Non-Current": "18,520", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "18,419", "General and Administrative Expense": "42,983", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "29,997", "Investments": "808,116", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "39,913", "Other Compr. Net Income": "764", "Other Expenses": "29,009", "Other Liabilities": "659,652", "Other Net Income": "0", "Other Revenues": "562", "Policyholder Benefits and Claims": "219,903", "Policyholder Contract Deposits": "39,088", "Premiums Earned": "290,689", "Premiums Receivable": "141,950", "Reinsurance Payable": "456", "Reinsurance Recoverables": "101,352", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "140,528"}, "output_variables": {"Assets": "1,220,946", "Liabilities": "839,724", "Expenses": "291,895", "Revenues": "321,248", "Stockholders Equity": "381,222", "Net Income": "29,353", "Comprehensive Net Income": "29,735", "BaseVar": "18,876,469", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2013": {"input_variables": {"Assets, Current": "123,077", "Assets, Non-Current": "16,186", "Claims Reserve and LAE": "614,557", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "19,171", "General and Administrative Expense": "48,165", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "27,029", "Investments": "878,775", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "44,887", "Other Compr. Net Income": "-7,274", "Other Expenses": "35,560", "Other Liabilities": "52,368", "Other Net Income": "0", "Other Revenues": "-677", "Policyholder Benefits and Claims": "228,973", "Policyholder Contract Deposits": "44,620", "Premiums Earned": "329,983", "Premiums Receivable": "171,579", "Reinsurance Payable": "36,346", "Reinsurance Recoverables": "75,326", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "164,296"}, "output_variables": {"Assets": "1,329,001", "Liabilities": "912,187", "Expenses": "312,698", "Revenues": "356,335", "Stockholders Equity": "416,814", "Net Income": "43,637", "Comprehensive Net Income": "40,000", "BaseVar": "12,781,060", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2014": {"input_variables": {"Assets, Current": "90,956", "Assets, Non-Current": "21,527", "Claims Reserve and LAE": "687,602", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "19,649", "General and Administrative Expense": "53,106", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "27,222", "Investments": "1,016,333", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "43,950", "Other Compr. Net Income": "-7,249", "Other Expenses": "56,360", "Other Liabilities": "61,682", "Other Net Income": "0", "Other Revenues": "230", "Policyholder Benefits and Claims": "248,094", "Policyholder Contract Deposits": "48,722", "Premiums Earned": "387,282", "Premiums Receivable": "178,917", "Reinsurance Payable": "43,670", "Reinsurance Recoverables": "85,888", "Revenues Y+1": "412,035", "Revenues Y+2": "414,732", "Revenues Y+3": "414,520", "Revenues Y+4": "415,003", "Revenues Y+5": "414,734", "Separate Account Asset": "0", "Unearned Premiums": "168,576"}, "output_variables": {"Assets": "1,457,220", "Liabilities": "1,010,252", "Expenses": "357,560", "Revenues": "414,734", "Stockholders Equity": "446,968", "Net Income": "57,175", "Comprehensive Net Income": "53,550", "BaseVar": "18,870,467", "ECR before LimitedLiability": "33%", "Economic Capital Ratio": "106%"}}, "2015": {"input_variables": {"Assets, Current": "69,481", "Assets, Non-Current": "48,969", "Claims Reserve and LAE": "718,033", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "20,412", "General and Administrative Expense": "51,878", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "27,933", "Investments": "1,045,152", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "41,590", "Other Compr. Net Income": "7,089", "Other Expenses": "36,437", "Other Liabilities": "63,724", "Other Net Income": "0", "Other Revenues": "1,053", "Policyholder Benefits and Claims": "209,131", "Policyholder Contract Deposits": "48,380", "Premiums Earned": "375,930", "Premiums Receivable": "185,364", "Reinsurance Payable": "49,944", "Reinsurance Recoverables": "91,077", "Revenues Y+1": "404,911", "Revenues Y+2": "401,021", "Revenues Y+3": "404,918", "Revenues Y+4": "401,024", "Revenues Y+5": "404,916", "Separate Account Asset": "0", "Unearned Premiums": "167,983"}, "output_variables": {"Assets": "1,502,045", "Liabilities": "1,048,064", "Expenses": "297,446", "Revenues": "404,916", "Stockholders Equity": "453,981", "Net Income": "107,470", "Comprehensive Net Income": "111,015", "BaseVar": "17,111,029", "ECR before LimitedLiability": "47%", "Economic Capital Ratio": "118%"}}, "2016": {"input_variables": {"Assets, Current": "58,936", "Assets, Non-Current": "44,304", "Claims Reserve and LAE": "742,776", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "19,300", "General and Administrative Expense": "50,987", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "28,115", "Investments": "1,084,474", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "45,171", "Other Compr. Net Income": "-30,341", "Other Expenses": "54,839", "Other Liabilities": "76,770", "Other Net Income": "0", "Other Revenues": "-2,248", "Policyholder Benefits and Claims": "196,054", "Policyholder Contract Deposits": "49,130", "Premiums Earned": "366,960", "Premiums Receivable": "183,005", "Reinsurance Payable": "32,002", "Reinsurance Recoverables": "83,666", "Revenues Y+1": "392,808", "Revenues Y+2": "394,778", "Revenues Y+3": "392,677", "Revenues Y+4": "394,536", "Revenues Y+5": "392,828", "Separate Account Asset": "0", "Unearned Premiums": "162,028"}, "output_variables": {"Assets": "1,518,856", "Liabilities": "1,062,706", "Expenses": "301,879", "Revenues": "392,828", "Stockholders Equity": "456,150", "Net Income": "90,948", "Comprehensive Net Income": "75,777", "BaseVar": "15,849,988", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "110%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 228075000.0, "future_profits": 257179355.47915968, "valuation_correction": -1580.1183133046607, "limited_liability_put_option": 938190658.6462134, "fair_value": 1423443434.0070598, "market_value": 581807663.2685709}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001018979.svg", "value": 0.9026612372787624, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001018979.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001018979.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001018979.svg"}, {"company_id": "0001620459", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001620459.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001620459.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001620459.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001620459_256x256.png", "name": "James River Group Holdings Inc", "rank": 32, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001620459.svg", "report_text": "The relative strengths and weaknesses of James River Group 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. <br/><br/>The greatest strength of James River Group Holdings Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.0% points.The greatest weakness of James River Group Holdings Inc is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 7.8% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 2.8% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001620459_2017_James_River_Group_Holdings_Inc.pdf", "shrinked_graph_json": {"2015": {"Policyholder Contract Deposits": "4.09", "Liabilities": "2.23", "Separate Account Asset": "-1.77", "Stockholders Equity": "1.63", "ECR before LimitedLiability": "-0.504", "Long Term Debt": "-0.283", "Other Liabilities": "6.74", "Claims Reserve and LAE": "-7.92", "Reinsurance Payable": "1.06", "Unearned Premiums": "-2.74", "Liabilities Current": "0.436", "Other Assets": "-5.50", "Premiums Receivable": "1.81", "Investments": "2.32", "Deferred Policy Acquisition Costs": "0.286", "Reinsurance Recoverables": "-0.624", "Intangible Assets": "4.58", "Economic Capital Ratio": "-0.218", "Other Expenses": "0.433", "Policyholder Benefits and Claims": "-0.333", "Premiums Earned": "-0.218"}, "2016": {"Assets": "1.16", "Stockholders Equity": "-0.348", "ECR before LimitedLiability": "-3.00", "Intangible Assets": "3.73", "Premiums Receivable": "3.04", "Deferred Policy Acquisition Costs": "0.260", "Investments": "0.525", "Separate Account Asset": "-0.736", "Other Assets": "-4.80", "Unearned Premiums": "-3.91", "Liabilities": "-2.05", "Policyholder Contract Deposits": "1.99", "Long Term Debt": "0.886", "Liabilities Current": "0.441", "Other Liabilities": "5.95", "Claims Reserve and LAE": "-7.80", "Reinsurance Payable": "-0.362", "Economic Capital Ratio": "-2.76", "Other Expenses": "0.583", "Other Revenues": "0.198", "Policyholder Benefits and Claims": "-0.416"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001620459_strength_weakness.svg", "table_records": {"2015": {"input_variables": {"Assets, Current": "106,406", "Assets, Non-Current": "48,140", "Claims Reserve and LAE": "785,322", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "60,754", "General and Administrative Expense": "157,803", "Insurance Commissions and Fees": "0", "Intangible Assets": "221,359", "Investment Income": "44,835", "Investments": "1,244,291", "Liabilities Current": "0", "Long Term Debt": "88,300", "Other Assets": "153,716", "Other Compr. Net Income": "-15,170", "Other Expenses": "293,621", "Other Liabilities": "199,733", "Other Net Income": "0", "Other Revenues": "-1,119", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "461,205", "Premiums Receivable": "176,685", "Reinsurance Payable": "0", "Reinsurance Recoverables": "44,146", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "301,104"}, "output_variables": {"Assets": "2,055,497", "Liabilities": "1,374,459", "Expenses": "451,424", "Revenues": "504,921", "Stockholders Equity": "681,038", "Net Income": "53,497", "Comprehensive Net Income": "45,912", "BaseVar": "23,400,581", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2016": {"input_variables": {"Assets, Current": "109,784", "Assets, Non-Current": "64,980", "Claims Reserve and LAE": "943,865", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "64,789", "General and Administrative Expense": "170,828", "Insurance Commissions and Fees": "0", "Intangible Assets": "220,762", "Investment Income": "60,203", "Investments": "1,332,330", "Liabilities Current": "0", "Long Term Debt": "88,300", "Other Assets": "198,426", "Other Compr. Net Income": "-2,059", "Other Expenses": "340,928", "Other Liabilities": "190,685", "Other Net Income": "0", "Other Revenues": "10,361", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "515,663", "Premiums Receivable": "265,315", "Reinsurance Payable": "39,899", "Reinsurance Recoverables": "90,147", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "390,563"}, "output_variables": {"Assets": "2,346,533", "Liabilities": "1,653,312", "Expenses": "511,756", "Revenues": "586,227", "Stockholders Equity": "693,221", "Net Income": "74,471", "Comprehensive Net Income": "73,442", "BaseVar": "24,089,119", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}}, "top_rated": false, "trend": -11.0, "valuation": {"past_accumulated_profits": 346610500.0, "future_profits": 0.0, "valuation_correction": -48669631.85461792, "limited_liability_put_option": 1502654211.729018, "fair_value": 1800595079.8744001, "market_value": 967254697.62854}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001620459.svg", "value": 0.900332427818778, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001620459.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001620459.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001620459.svg"}, {"company_id": "0000084246", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000084246.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0000084246.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000084246.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000084246_256x256.png", "name": "RLI CORP", "rank": 33, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0000084246.svg", "report_text": "The relative strengths and weaknesses of RLI 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. <br/><br/>The greatest strength of RLI CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 9.1% points.The greatest weakness of RLI CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 8.6% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 3.1% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000084246_2017_RLI_CORP.pdf", "shrinked_graph_json": {"2010": {"Assets": "3.51", "Liabilities": "2.49", "Stockholders Equity": "6.31", "ECR before LimitedLiability": "2.17", "Assets, Current": "-1.30", "Investments": "10.8", "Assets, Non-Current": "-0.760", "Separate Account Asset": "-3.47", "Premiums Receivable": "-1.48", "Reinsurance Recoverables": "-0.410", "Other Assets": "1.95", "Liabilities Current": "0.387", "Reinsurance Payable": "-0.350", "Other Liabilities": "14.9", "Unearned Premiums": "-4.12", "Long Term Debt": "-1.29", "Policyholder Contract Deposits": "6.52", "Claims Reserve and LAE": "-17.4", "Economic Capital Ratio": "2.28", "Deferred Acquisition Costs Amortization": "0.364", "Premiums Earned": "-0.332"}, "2011": {"Reinsurance Recoverables": "-0.680", "Assets": "11.2", "Liabilities": "-5.99", "Stockholders Equity": "6.82", "ECR before LimitedLiability": "0.262", "Intangible Assets": "-0.509", "Assets, Non-Current": "-0.316", "Other Assets": "3.68", "Separate Account Asset": "-2.92", "Premiums Receivable": "-1.39", "Deferred Policy Acquisition Costs": "0.559", "Investments": "13.7", "Long Term Debt": "-1.10", "Other Liabilities": "11.3", "Unearned Premiums": "-3.12", "Policyholder Contract Deposits": "5.34", "Claims Reserve and LAE": "-21.5", "Reinsurance Payable": "-0.789", "Expenses": "-0.260", "Economic Capital Ratio": "0.423", "Premiums Earned": "-0.379"}, "2012": {"Assets, Current": "-0.772", "Assets": "6.88", "Liabilities": "-1.87", "Stockholders Equity": "6.06", "ECR before LimitedLiability": "0.461", "Separate Account Asset": "-3.32", "Other Assets": "5.90", "Intangible Assets": "-0.564", "Reinsurance Recoverables": "-0.599", "Assets, Non-Current": "-0.259", "Investments": "9.10", "Premiums Receivable": "-1.51", "Reinsurance Payable": "-0.571", "Other Liabilities": "13.5", "Claims Reserve and LAE": "-21.2", "Unearned Premiums": "-3.24", "Long Term Debt": "-0.979", "Policyholder Contract Deposits": "6.01", "Liabilities Current": "0.299", "Economic Capital Ratio": "0.629", "Premiums Earned": "-0.274"}, "2013": {"Intangible Assets": "-0.583", "Assets": "4.97", "Liabilities": "-0.358", "Stockholders Equity": "5.36", "Economic Capital Ratio": "0.213", "Assets, Current": "-1.14", "Reinsurance Recoverables": "-0.654", "Separate Account Asset": "-3.65", "Investments": "11.5", "Other Assets": "2.90", "Premiums Receivable": "-1.73", "Liabilities Current": "0.309", "Long Term Debt": "1.95", "Unearned Premiums": "-3.57", "Reinsurance Payable": "-0.662", "Claims Reserve and LAE": "-16.3", "Other Liabilities": "9.18", "Policyholder Contract Deposits": "6.15", "Expenses": "-0.278", "General and Administrative Expense": "-0.247", "Premiums Earned": "-0.561", "Revenues": "-0.246"}, "2014": {"Investments": "12.1", "Assets": "2.04", "Liabilities": "-2.45", "Stockholders Equity": "0.361", "ECR before LimitedLiability": "-2.96", "Separate Account Asset": "-1.98", "Assets, Non-Current": "-0.257", "Assets, Current": "-2.38", "Intangible Assets": "-0.672", "Deferred Policy Acquisition Costs": "0.227", "Premiums Receivable": "-1.93", "Reinsurance Recoverables": "-0.881", "Other Liabilities": "7.01", "Long Term Debt": "2.00", "Policyholder Contract Deposits": "2.00", "Unearned Premiums": "-2.76", "Claims Reserve and LAE": "-12.7", "Liabilities Current": "0.433", "Expenses": "-0.215", "Economic Capital Ratio": "-2.60", "Premiums Earned": "-0.375"}, "2015": {"Separate Account Asset": "-1.79", "Assets": "0.156", "Expenses": "-0.225", "ECR before LimitedLiability": "-2.89", "Other Assets": "0.293", "Assets, Current": "-2.15", "Premiums Receivable": "-2.03", "Assets, Non-Current": "-0.212", "Investments": "8.33", "Reinsurance Recoverables": "-0.720", "Intangible Assets": "-0.530", "General and Administrative Expense": "-0.178", "Revenues": "-0.168", "Premiums Earned": "-0.335", "Long Term Debt": "2.45", "Economic Capital Ratio": "-2.60", "Unearned Premiums": "-3.25", "Policyholder Contract Deposits": "3.96", "Claims Reserve and LAE": "-9.42", "Other Liabilities": "4.64", "Liabilities Current": "0.422"}, "2016": {"Assets, Current": "-1.83", "Assets": "1.53", "Liabilities": "-2.33", "Expenses": "-0.217", "ECR before LimitedLiability": "-3.36", "Reinsurance Recoverables": "-0.983", "Intangible Assets": "-0.742", "Premiums Receivable": "-2.16", "Deferred Policy Acquisition Costs": "0.210", "Investments": "9.15", "Separate Account Asset": "-0.731", "Unearned Premiums": "-3.28", "Policyholder Contract Deposits": "1.98", "Long Term Debt": "3.23", "Liabilities Current": "0.439", "Other Liabilities": "2.88", "Claims Reserve and LAE": "-8.55", "Reinsurance Payable": "0.313", "General and Administrative Expense": "-0.199", "Economic Capital Ratio": "-3.12", "Premiums Earned": "-0.350"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000084246_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "28,764", "Claims Reserve and LAE": "1,173,943", "Deferred Acquisition Costs Amortization": "158,071", "Deferred Policy Acquisition Costs": "74,435", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "26,214", "Investment Income": "90,042", "Investments": "1,803,021", "Liabilities Current": "0", "Long Term Debt": "100,000", "Other Assets": "519,527", "Other Compr. Net Income": "18,581", "Other Expenses": "103,690", "Other Liabilities": "123,885", "Other Net Income": "7,101", "Other Revenues": "0", "Policyholder Benefits and Claims": "201,332", "Policyholder Contract Deposits": "0", "Premiums Earned": "493,382", "Premiums Receivable": "0", "Reinsurance Payable": "23,851", "Reinsurance Recoverables": "62,631", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "301,537"}, "output_variables": {"Assets": "2,514,592", "Liabilities": "1,723,216", "Expenses": "463,093", "Revenues": "583,424", "Stockholders Equity": "791,376", "Net Income": "127,432", "Comprehensive Net Income": "136,722", "BaseVar": "18,413,722", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2011": {"input_variables": {"Assets, Current": "81,184", "Assets, Non-Current": "38,196", "Claims Reserve and LAE": "1,150,714", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "92,441", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "63,681", "Investments": "1,900,288", "Liabilities Current": "0", "Long Term Debt": "100,000", "Other Assets": "521,432", "Other Compr. Net Income": "21,333", "Other Expenses": "117,266", "Other Liabilities": "233,476", "Other Net Income": "6,497", "Other Revenues": "17,036", "Policyholder Benefits and Claims": "200,084", "Policyholder Contract Deposits": "0", "Premiums Earned": "538,452", "Premiums Receivable": "0", "Reinsurance Payable": "50,861", "Reinsurance Recoverables": "61,629", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "341,267"}, "output_variables": {"Assets": "2,695,170", "Liabilities": "1,876,318", "Expenses": "317,350", "Revenues": "619,169", "Stockholders Equity": "818,852", "Net Income": "308,316", "Comprehensive Net Income": "318,982", "BaseVar": "26,637,991", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2012": {"input_variables": {"Assets, Current": "44,314", "Assets, Non-Current": "36,332", "Claims Reserve and LAE": "1,158,483", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "52,344", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "58,831", "Investments": "1,840,881", "Liabilities Current": "0", "Long Term Debt": "100,000", "Other Assets": "597,569", "Other Compr. Net Income": "25,845", "Other Expenses": "98,274", "Other Liabilities": "176,481", "Other Net Income": "8,853", "Other Revenues": "25,372", "Policyholder Benefits and Claims": "271,645", "Policyholder Contract Deposits": "0", "Premiums Earned": "576,571", "Premiums Receivable": "0", "Reinsurance Payable": "43,959", "Reinsurance Recoverables": "73,192", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "369,346"}, "output_variables": {"Assets": "2,644,632", "Liabilities": "1,848,269", "Expenses": "369,919", "Revenues": "660,774", "Stockholders Equity": "796,363", "Net Income": "299,708", "Comprehensive Net Income": "312,630", "BaseVar": "33,217,119", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2013": {"input_variables": {"Assets, Current": "39,469", "Assets, Non-Current": "48,525", "Claims Reserve and LAE": "1,129,433", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "61,508", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "53,982", "Investments": "1,922,058", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "608,343", "Other Compr. Net Income": "-1,003", "Other Expenses": "121,321", "Other Liabilities": "342,496", "Other Net Income": "10,884", "Other Revenues": "20,489", "Policyholder Benefits and Claims": "260,101", "Policyholder Contract Deposits": "0", "Premiums Earned": "637,191", "Premiums Receivable": "0", "Reinsurance Payable": "47,334", "Reinsurance Recoverables": "60,407", "Revenues Y+1": "711,781", "Revenues Y+2": "711,665", "Revenues Y+3": "711,718", "Revenues Y+4": "711,666", "Revenues Y+5": "711,662", "Separate Account Asset": "0", "Unearned Premiums": "392,081"}, "output_variables": {"Assets": "2,740,310", "Liabilities": "1,911,344", "Expenses": "381,422", "Revenues": "711,662", "Stockholders Equity": "828,966", "Net Income": "341,125", "Comprehensive Net Income": "340,623", "BaseVar": "21,377,057", "ECR before LimitedLiability": "67%", "Economic Capital Ratio": "134%"}}, "2014": {"input_variables": {"Assets, Current": "30,620", "Assets, Non-Current": "55,124", "Claims Reserve and LAE": "1,121,040", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "65,123", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "55,035", "Investments": "1,964,285", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "606,429", "Other Compr. Net Income": "-6,832", "Other Expenses": "126,679", "Other Liabilities": "370,015", "Other Net Income": "12,389", "Other Revenues": "34,987", "Policyholder Benefits and Claims": "295,349", "Policyholder Contract Deposits": "0", "Premiums Earned": "694,830", "Premiums Receivable": "0", "Reinsurance Payable": "38,013", "Reinsurance Recoverables": "53,961", "Revenues Y+1": "783,234", "Revenues Y+2": "784,658", "Revenues Y+3": "784,805", "Revenues Y+4": "784,849", "Revenues Y+5": "784,852", "Separate Account Asset": "0", "Unearned Premiums": "401,412"}, "output_variables": {"Assets": "2,775,542", "Liabilities": "1,930,480", "Expenses": "422,027", "Revenues": "784,852", "Stockholders Equity": "845,062", "Net Income": "375,213", "Comprehensive Net Income": "371,797", "BaseVar": "30,092,832", "ECR before LimitedLiability": "72%", "Economic Capital Ratio": "137%"}}, "2015": {"input_variables": {"Assets, Current": "11,081", "Assets, Non-Current": "63,912", "Claims Reserve and LAE": "1,103,785", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "69,829", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "54,838", "Investments": "1,951,543", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "587,381", "Other Compr. Net Income": "35,313", "Other Expenses": "128,021", "Other Liabilities": "349,675", "Other Net Income": "10,913", "Other Revenues": "43,637", "Policyholder Benefits and Claims": "298,968", "Policyholder Contract Deposits": "0", "Premiums Earned": "701,869", "Premiums Receivable": "0", "Reinsurance Payable": "37,556", "Reinsurance Recoverables": "52,833", "Revenues Y+1": "798,933", "Revenues Y+2": "799,899", "Revenues Y+3": "800,218", "Revenues Y+4": "800,311", "Revenues Y+5": "800,344", "Separate Account Asset": "0", "Unearned Premiums": "422,094"}, "output_variables": {"Assets": "2,736,579", "Liabilities": "1,913,110", "Expenses": "426,989", "Revenues": "800,344", "Stockholders Equity": "823,469", "Net Income": "384,268", "Comprehensive Net Income": "401,924", "BaseVar": "30,752,489", "ECR before LimitedLiability": "77%", "Economic Capital Ratio": "141%"}}, "2016": {"input_variables": {"Assets, Current": "18,269", "Assets, Non-Current": "64,671", "Claims Reserve and LAE": "1,139,337", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "73,147", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "53,391", "Investments": "2,021,827", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "547,546", "Other Compr. Net Income": "-33,829", "Other Expenses": "111,666", "Other Liabilities": "363,019", "Other Net Income": "10,833", "Other Revenues": "33,164", "Policyholder Benefits and Claims": "348,304", "Policyholder Contract Deposits": "0", "Premiums Earned": "732,457", "Premiums Receivable": "0", "Reinsurance Payable": "17,928", "Reinsurance Recoverables": "52,173", "Revenues Y+1": "818,961", "Revenues Y+2": "819,010", "Revenues Y+3": "819,026", "Revenues Y+4": "819,013", "Revenues Y+5": "819,012", "Separate Account Asset": "0", "Unearned Premiums": "433,777"}, "output_variables": {"Assets": "2,777,633", "Liabilities": "1,954,061", "Expenses": "459,970", "Revenues": "819,012", "Stockholders Equity": "823,572", "Net Income": "369,875", "Comprehensive Net Income": "352,961", "BaseVar": "28,945,038", "ECR before LimitedLiability": "68%", "Economic Capital Ratio": "134%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 411786000.0, "future_profits": 1196129450.0050242, "valuation_correction": -4165.398974019597, "limited_liability_put_option": 1572740991.4134164, "fair_value": 3180652276.0194664, "market_value": 1963121533.8736382}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000084246.svg", "value": 0.8967860898653846, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000084246.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000084246.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000084246.svg"}, {"company_id": "0001267395", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001267395.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001267395.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001267395.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001267395_256x256.png", "name": "Aspen Insurance Holdings LTD", "rank": 34, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001267395.svg", "report_text": "The relative strengths and weaknesses of Aspen Insurance 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. <br/><br/>The greatest strength of Aspen Insurance Holdings LTD compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Aspen Insurance Holdings LTD is the variable Liabilities, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 4.0% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001267395_2017_Aspen_Insurance_Holdings_LTD.pdf", "shrinked_graph_json": {"2016": {"Assets, Current": "3.79", "Assets": "13.7", "Liabilities": "-23.7", "Stockholders Equity": "7.33", "ECR before LimitedLiability": "-4.21", "Reinsurance Recoverables": "2.10", "Premiums Receivable": "4.29", "Deferred Policy Acquisition Costs": "0.799", "Investments": "13.3", "Other Assets": "-3.96", "Unearned Premiums": "-4.89", "Policyholder Contract Deposits": "1.15", "Long Term Debt": "-1.06", "Other Liabilities": "3.23", "Claims Reserve and LAE": "-20.4", "Reinsurance Payable": "-1.45", "Policyholder Benefits and Claims": "-0.709", "Expenses": "-1.14", "Other Expenses": "-1.75", "Economic Capital Ratio": "-3.97", "Premiums Earned": "-0.482"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001267395_strength_weakness.svg", "table_records": {"2016": {"input_variables": {"Assets, Current": "1,273,800", "Assets, Non-Current": "84,800", "Claims Reserve and LAE": "5,319,900", "Deferred Acquisition Costs Amortization": "528,900", "Deferred Policy Acquisition Costs": "358,400", "General and Administrative Expense": "490,100", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "187,100", "Investments": "7,900,300", "Liabilities Current": "0", "Long Term Debt": "549,300", "Other Assets": "257,500", "Other Compr. Net Income": "-64,800", "Other Expenses": "-2,589,000", "Other Liabilities": "608,700", "Other Net Income": "0", "Other Revenues": "114,100", "Policyholder Benefits and Claims": "1,576,100", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,637,300", "Premiums Receivable": "1,399,400", "Reinsurance Payable": "345,300", "Reinsurance Recoverables": "815,900", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,618,600"}, "output_variables": {"Assets": "12,090,100", "Liabilities": "8,441,800", "Expenses": "6,100", "Revenues": "2,938,500", "Stockholders Equity": "3,648,300", "Net Income": "2,932,400", "Comprehensive Net Income": "2,900,000", "BaseVar": "70,695,669", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 1824150000.0, "future_profits": 0.0, "valuation_correction": -426709224.9756402, "limited_liability_put_option": 7721259600.266172, "fair_value": 9118700375.290531, "market_value": 758216399.5065193}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001267395.svg", "value": 0.8882471057515897, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001267395.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001267395.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001267395.svg"}, {"company_id": "0000080661", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000080661.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Progressive CORP OH", "rank": 35, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Progressive CORP OH compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Progressive CORP OH is the variable Assets, reducing the Economic Capital Ratio by 37% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 5.5% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000080661_2017_Progressive_CORP_OH.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-1.70", "Assets": "-37.6", "Liabilities": "16.9", "Stockholders Equity": "-10.2", "ECR before LimitedLiability": "1.46", "Other Assets": "13.5", "Assets, Current": "-3.45", "Reinsurance Recoverables": "-2.12", "Separate Account Asset": "-16.7", "Investments": "-34.9", "Premiums Receivable": "1.17", "Intangible Assets": "-2.42", "Deferred Policy Acquisition Costs": "-3.36", "Claims Reserve and LAE": "13.4", "Other Liabilities": "13.2", "Unearned Premiums": "-7.38", "Long Term Debt": "-0.724", "Reinsurance Payable": "0.751", "Liabilities Current": "2.15", "Policyholder Contract Deposits": "13.6", "Economic Capital Ratio": "1.64"}, "2010": {"Deferred Policy Acquisition Costs": "-2.42", "Assets": "-36.2", "Liabilities": "16.2", "Stockholders Equity": "-16.5", "Economic Capital Ratio": "0.312", "Assets, Current": "-3.74", "Investments": "-34.0", "Intangible Assets": "-2.28", "Assets, Non-Current": "-1.25", "Separate Account Asset": "-9.40", "Premiums Receivable": "1.46", "Reinsurance Recoverables": "-2.69", "Other Assets": "13.0", "Liabilities Current": "1.11", "Reinsurance Payable": "0.784", "Other Liabilities": "13.3", "Unearned Premiums": "-2.09", "Long Term Debt": "-2.14", "Policyholder Contract Deposits": "13.1", "Claims Reserve and LAE": "13.8", "Premiums Earned": "-0.608", "Policyholder Benefits and Claims": "0.335"}, "2011": {"Reinsurance Recoverables": "-4.18", "Assets": "-37.5", "Liabilities": "16.1", "Stockholders Equity": "-20.2", "ECR before LimitedLiability": "-1.85", "Intangible Assets": "-1.83", "Assets, Non-Current": "-1.05", "Other Assets": "13.1", "Separate Account Asset": "-9.62", "Assets, Current": "-3.96", "Premiums Receivable": "0.974", "Deferred Policy Acquisition Costs": "-2.65", "Investments": "-35.6", "Liabilities Current": "0.768", "Long Term Debt": "-2.47", "Other Liabilities": "13.5", "Unearned Premiums": "4.70", "Policyholder Contract Deposits": "13.0", "Claims Reserve and LAE": "13.3", "Reinsurance Payable": "1.52", "Economic Capital Ratio": "-1.69"}, "2012": {"Assets, Current": "-5.04", "Assets": "-38.8", "Liabilities": "16.7", "Stockholders Equity": "-20.9", "ECR before LimitedLiability": "-1.61", "Separate Account Asset": "-10.5", "Other Assets": "13.3", "Deferred Policy Acquisition Costs": "-1.92", "Intangible Assets": "-1.96", "Reinsurance Recoverables": "-4.32", "Assets, Non-Current": "-0.569", "Investments": "-37.2", "Premiums Receivable": "0.991", "Reinsurance Payable": "1.68", "Other Liabilities": "13.7", "Claims Reserve and LAE": "13.5", "Unearned Premiums": "5.88", "Long Term Debt": "-0.735", "Policyholder Contract Deposits": "13.2", "Liabilities Current": "1.00", "Economic Capital Ratio": "-1.44"}, "2013": {"Intangible Assets": "-1.93", "Assets": "-39.2", "Liabilities": "15.0", "Stockholders Equity": "-22.2", "ECR before LimitedLiability": "-2.75", "Assets, Current": "-5.63", "Reinsurance Recoverables": "-3.25", "Separate Account Asset": "-11.0", "Investments": "-35.8", "Assets, Non-Current": "-0.562", "Other Assets": "11.3", "Deferred Policy Acquisition Costs": "-1.96", "Liabilities Current": "0.976", "Long Term Debt": "1.50", "Unearned Premiums": "5.04", "Reinsurance Payable": "1.46", "Claims Reserve and LAE": "11.4", "Other Liabilities": "12.6", "Policyholder Contract Deposits": "11.4", "Economic Capital Ratio": "-2.51", "Premiums Earned": "-0.499"}, "2014": {"Investments": "-33.9", "Assets": "-38.3", "Liabilities": "15.6", "Stockholders Equity": "-32.5", "ECR before LimitedLiability": "-4.96", "Other Assets": "3.06", "Separate Account Asset": "-5.82", "Assets, Non-Current": "-1.34", "Assets, Current": "-8.15", "Intangible Assets": "-2.06", "Deferred Policy Acquisition Costs": "-1.75", "Reinsurance Recoverables": "-3.05", "Other Liabilities": "13.7", "Long Term Debt": "0.757", "Policyholder Contract Deposits": "5.80", "Reinsurance Payable": "2.99", "Unearned Premiums": "6.35", "Claims Reserve and LAE": "13.0", "Liabilities Current": "1.28", "Economic Capital Ratio": "-4.59", "Premiums Earned": "-0.347"}, "2015": {"Separate Account Asset": "-4.84", "Assets": "-37.0", "Liabilities": "14.8", "Stockholders Equity": "-28.9", "ECR before LimitedLiability": "-5.17", "Other Assets": "6.92", "Assets, Current": "-6.19", "Assets, Non-Current": "-1.44", "Investments": "-34.6", "Deferred Policy Acquisition Costs": "-2.01", "Reinsurance Recoverables": "-1.86", "Policyholder Contract Deposits": "10.1", "Long Term Debt": "6.36", "Other Liabilities": "12.5", "Claims Reserve and LAE": "12.5", "Reinsurance Payable": "2.72", "Unearned Premiums": "4.21", "Liabilities Current": "1.12", "Economic Capital Ratio": "-4.89", "Policyholder Benefits and Claims": "0.353", "Premiums Earned": "-0.311"}, "2016": {"Assets, Current": "-5.69", "Assets": "-36.6", "Liabilities": "13.9", "Stockholders Equity": "-29.5", "ECR before LimitedLiability": "-5.75", "Reinsurance Recoverables": "-2.34", "Intangible Assets": "-0.897", "Deferred Policy Acquisition Costs": "-1.87", "Investments": "-35.0", "Separate Account Asset": "-2.04", "Other Assets": "8.50", "Assets, Non-Current": "-1.38", "Unearned Premiums": "11.7", "Policyholder Contract Deposits": "5.21", "Long Term Debt": "8.36", "Liabilities Current": "1.17", "Other Liabilities": "-17.8", "Claims Reserve and LAE": "12.9", "Reinsurance Payable": "1.94", "Economic Capital Ratio": "-5.51", "Policyholder Benefits and Claims": "0.360"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000080661_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "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", "Intangible Assets": "0", "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", "Separate Account Asset": "0", "Unearned Premiums": "4,172,900"}, "output_variables": {"Assets": "20,049,300", "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%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,184,500", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,359,900", "Deferred Policy Acquisition Costs": "417,200", "General and Administrative Expense": "1,740,100", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "96,100", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,958,200", "Other Assets": "15,980,600", "Other Compr. Net Income": "0", "Other Expenses": "663,700", "Other Liabilities": "8,789,400", "Other Net Income": "0", "Other Revenues": "552,400", "Policyholder Benefits and Claims": "10,131,300", "Policyholder Contract Deposits": "0", "Premiums Earned": "14,314,800", "Premiums Receivable": "2,738,400", "Reinsurance Payable": "0", "Reinsurance Recoverables": "829,600", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "4,353,800"}, "output_variables": {"Assets": "21,150,300", "Liabilities": "15,101,400", "Expenses": "13,895,000", "Revenues": "14,963,300", "Stockholders Equity": "6,048,900", "Net Income": "1,068,300", "Comprehensive Net Income": "1,068,300", "BaseVar": "456,701,838", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "89%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,161,200", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,399,200", "Deferred Policy Acquisition Costs": "433,600", "General and Administrative Expense": "1,821,500", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "102,600", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "2,442,100", "Other Assets": "16,432,400", "Other Compr. Net Income": "-91,200", "Other Expenses": "637,100", "Other Liabilities": "9,016,600", "Other Net Income": "0", "Other Revenues": "502,700", "Policyholder Benefits and Claims": "10,634,800", "Policyholder Contract Deposits": "0", "Premiums Earned": "14,902,800", "Premiums Receivable": "2,929,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "887,800", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "4,579,400"}, "output_variables": {"Assets": "21,844,800", "Liabilities": "16,038,100", "Expenses": "14,492,600", "Revenues": "15,508,100", "Stockholders Equity": "5,806,700", "Net Income": "1,015,500", "Comprehensive Net Income": "969,900", "BaseVar": "778,837,915", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "89%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,255,200", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,436,498", "Deferred Policy Acquisition Costs": "434,500", "General and Administrative Expense": "2,262,054", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "651,790", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "2,063,100", "Other Assets": "16,854,000", "Other Compr. Net Income": "-91,040", "Other Expenses": "590,917", "Other Liabilities": "9,693,900", "Other Net Income": "0", "Other Revenues": "759,899", "Policyholder Benefits and Claims": "11,989,548", "Policyholder Contract Deposits": "0", "Premiums Earned": "16,047,467", "Premiums Receivable": "3,183,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "967,300", "Revenues Y+1": "17,247,870", "Revenues Y+2": "17,337,155", "Revenues Y+3": "17,395,480", "Revenues Y+4": "17,433,874", "Revenues Y+5": "17,459,156", "Separate Account Asset": "0", "Unearned Premiums": "4,930,700"}, "output_variables": {"Assets": "22,694,700", "Liabilities": "16,687,700", "Expenses": "16,279,017", "Revenues": "17,459,156", "Stockholders Equity": "6,007,000", "Net Income": "1,180,140", "Comprehensive Net Income": "1,134,620", "BaseVar": "1,003,098,568", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "111%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,265,200", "Claims Reserve and LAE": "8,479,700", "Deferred Acquisition Costs Amortization": "1,451,763", "Deferred Policy Acquisition Costs": "447,600", "General and Administrative Expense": "2,374,540", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "320,093", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,860,900", "Other Assets": "18,219,600", "Other Compr. Net Income": "122,172", "Other Expenses": "727,786", "Other Liabilities": "2,703,600", "Other Net Income": "0", "Other Revenues": "749,149", "Policyholder Benefits and Claims": "12,492,558", "Policyholder Contract Deposits": "0", "Premiums Earned": "17,138,926", "Premiums Receivable": "3,310,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,165,100", "Revenues Y+1": "18,206,827", "Revenues Y+2": "18,208,105", "Revenues Y+3": "18,208,164", "Revenues Y+4": "18,208,168", "Revenues Y+5": "18,208,168", "Separate Account Asset": "0", "Unearned Premiums": "5,174,500"}, "output_variables": {"Assets": "24,408,200", "Liabilities": "18,218,700", "Expenses": "17,046,648", "Revenues": "18,208,168", "Stockholders Equity": "6,189,500", "Net Income": "1,161,521", "Comprehensive Net Income": "1,222,607", "BaseVar": "631,261,516", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "109%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,262,000", "Claims Reserve and LAE": "8,857,400", "Deferred Acquisition Costs Amortization": "1,523,867", "Deferred Policy Acquisition Costs": "457,200", "General and Administrative Expense": "2,486,921", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "213,277", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "2,164,700", "Other Assets": "19,213,700", "Other Compr. Net Income": "74,880", "Other Expenses": "813,626", "Other Liabilities": "2,396,800", "Other Net Income": "0", "Other Revenues": "768,592", "Policyholder Benefits and Claims": "13,342,093", "Policyholder Contract Deposits": "0", "Premiums Earned": "18,450,445", "Premiums Receivable": "3,537,500", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,317,200", "Revenues Y+1": "19,431,446", "Revenues Y+2": "19,432,356", "Revenues Y+3": "19,432,324", "Revenues Y+4": "19,432,316", "Revenues Y+5": "19,432,315", "Separate Account Asset": "0", "Unearned Premiums": "5,440,100"}, "output_variables": {"Assets": "25,787,600", "Liabilities": "18,859,000", "Expenses": "18,166,506", "Revenues": "19,432,315", "Stockholders Equity": "6,928,600", "Net Income": "1,265,809", "Comprehensive Net Income": "1,303,249", "BaseVar": "874,669,481", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "111%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,373,000", "Claims Reserve and LAE": "10,039,000", "Deferred Acquisition Costs Amortization": "1,652,196", "Deferred Policy Acquisition Costs": "564,100", "General and Administrative Expense": "2,757,253", "Insurance Commissions and Fees": "0", "Intangible Assets": "942,500", "Investment Income": "70,631", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "21,263,900", "Other Compr. Net Income": "-117,961", "Other Expenses": "847,823", "Other Liabilities": "5,404,200", "Other Net Income": "-32,900", "Other Revenues": "841,901", "Policyholder Benefits and Claims": "14,395,975", "Policyholder Contract Deposits": "0", "Premiums Earned": "19,974,619", "Premiums Receivable": "3,987,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,688,100", "Revenues Y+1": "20,895,022", "Revenues Y+2": "20,890,081", "Revenues Y+3": "20,887,946", "Revenues Y+4": "20,887,323", "Revenues Y+5": "20,887,151", "Separate Account Asset": "0", "Unearned Premiums": "6,621,800"}, "output_variables": {"Assets": "29,819,300", "Liabilities": "22,065,000", "Expenses": "19,653,247", "Revenues": "20,887,151", "Stockholders Equity": "7,754,300", "Net Income": "1,201,004", "Comprehensive Net Income": "1,142,024", "BaseVar": "934,229,172", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,516,700", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,867,558", "Deferred Policy Acquisition Costs": "651,200", "General and Administrative Expense": "3,027,306", "Insurance Commissions and Fees": "0", "Intangible Assets": "882,200", "Investment Income": "21,599", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "23,812,900", "Other Compr. Net Income": "-93,878", "Other Expenses": "668,920", "Other Liabilities": "24,986,700", "Other Net Income": "-32,289", "Other Revenues": "917,376", "Policyholder Benefits and Claims": "17,084,558", "Policyholder Contract Deposits": "0", "Premiums Earned": "22,657,144", "Premiums Receivable": "4,509,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "2,055,300", "Revenues Y+1": "23,593,447", "Revenues Y+2": "23,598,325", "Revenues Y+3": "23,596,972", "Revenues Y+4": "23,596,338", "Revenues Y+5": "23,596,119", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "33,427,500", "Liabilities": "24,986,700", "Expenses": "22,648,343", "Revenues": "23,596,119", "Stockholders Equity": "8,440,800", "Net Income": "915,488", "Comprehensive Net Income": "868,549", "BaseVar": "960,344,220", "ECR before LimitedLiability": "34%", "Economic Capital Ratio": "107%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 4220400000.0, "future_profits": 5567721077.856875, "valuation_correction": -81271.17112606589, "limited_liability_put_option": 21401116843.501247, "fair_value": 31189156650.186996, "market_value": 15688384423.101067}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000080661.svg", "value": 0.8728594888062314, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000080661.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000080661.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000080661.svg"}, {"company_id": "0000860748", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000860748.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0000860748.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000860748.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000860748_256x256.png", "name": "Kemper Corp", "rank": 36, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0000860748.svg", "report_text": "The relative strengths and weaknesses of Kemper 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. <br/><br/>The greatest strength of Kemper Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Kemper Corp is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 6.1% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000860748_2017_Kemper_Corp.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "1.27", "Assets": "-12.6", "Liabilities": "11.1", "Stockholders Equity": "-2.07", "ECR before LimitedLiability": "-1.75", "Assets, Current": "-1.91", "Investments": "0.509", "Intangible Assets": "0.580", "Assets, Non-Current": "-0.946", "Separate Account Asset": "-5.03", "Premiums Receivable": "-2.17", "Reinsurance Recoverables": "-2.21", "Other Assets": "-4.59", "Liabilities Current": "0.526", "Reinsurance Payable": "0.372", "Other Liabilities": "11.1", "Long Term Debt": "1.79", "Policyholder Contract Deposits": "8.72", "Claims Reserve and LAE": "-11.5", "Economic Capital Ratio": "-1.64", "Premiums Earned": "-0.298"}, "2011": {"Reinsurance Recoverables": "-2.76", "Assets": "-11.4", "Liabilities": "13.6", "Stockholders Equity": "-1.38", "ECR before LimitedLiability": "-1.24", "Intangible Assets": "0.929", "Other Assets": "-5.61", "Separate Account Asset": "-4.74", "Assets, Current": "-1.86", "Deferred Policy Acquisition Costs": "0.891", "Investments": "0.889", "Liabilities Current": "0.353", "Long Term Debt": "2.08", "Other Liabilities": "13.6", "Unearned Premiums": "3.00", "Policyholder Contract Deposits": "8.36", "Claims Reserve and LAE": "-20.6", "Reinsurance Payable": "0.701", "Economic Capital Ratio": "-1.08", "Other Revenues": "0.220", "Premiums Earned": "-0.229"}, "2012": {"Assets, Current": "-2.22", "Assets": "-10.4", "Liabilities": "13.5", "Stockholders Equity": "-0.689", "ECR before LimitedLiability": "-1.23", "Separate Account Asset": "-4.84", "Other Assets": "-5.02", "Deferred Policy Acquisition Costs": "0.545", "Intangible Assets": "0.955", "Reinsurance Recoverables": "-2.66", "Assets, Non-Current": "0.159", "Investments": "2.04", "Premiums Receivable": "-0.191", "Reinsurance Payable": "0.719", "Other Liabilities": "13.5", "Claims Reserve and LAE": "-21.2", "Unearned Premiums": "3.18", "Long Term Debt": "2.07", "Policyholder Contract Deposits": "8.42", "Liabilities Current": "0.427", "Economic Capital Ratio": "-1.06"}, "2016": {"Assets, Current": "-2.78", "Assets": "-10.2", "Liabilities": "6.34", "Stockholders Equity": "-7.87", "ECR before LimitedLiability": "-6.35", "Reinsurance Recoverables": "-2.38", "Intangible Assets": "0.853", "Premiums Receivable": "-1.04", "Deferred Policy Acquisition Costs": "0.575", "Investments": "4.38", "Separate Account Asset": "-0.971", "Other Assets": "-8.68", "Unearned Premiums": "3.76", "Policyholder Contract Deposits": "2.44", "Long Term Debt": "-1.57", "Liabilities Current": "0.541", "Other Liabilities": "9.89", "Claims Reserve and LAE": "-11.0", "Reinsurance Payable": "0.897", "Economic Capital Ratio": "-6.12", "Policyholder Benefits and Claims": "0.263"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000860748_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "169,600", "Claims Reserve and LAE": "4,182,400", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "525,200", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "311,800", "Investment Income": "327,600", "Investments": "6,250,800", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,101,100", "Other Compr. Net Income": "0", "Other Expenses": "912,300", "Other Liabilities": "1,384,100", "Other Net Income": "700", "Other Revenues": "126,400", "Policyholder Benefits and Claims": "1,647,200", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,289,400", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "678,600"}, "output_variables": {"Assets": "8,358,500", "Liabilities": "6,245,100", "Expenses": "2,559,500", "Revenues": "2,743,400", "Stockholders Equity": "2,113,400", "Net Income": "184,600", "Comprehensive Net Income": "184,600", "BaseVar": "87,903,624", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "87%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "250,700", "Claims Reserve and LAE": "4,131,800", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "448,500", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "311,800", "Investment Income": "298,000", "Investments": "6,222,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "473,000", "Other Compr. Net Income": "0", "Other Expenses": "778,400", "Other Liabilities": "1,071,800", "Other Net Income": "12,800", "Other Revenues": "23,400", "Policyholder Benefits and Claims": "1,645,700", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,173,600", "Premiums Receivable": "379,200", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "666,200"}, "output_variables": {"Assets": "8,085,900", "Liabilities": "5,869,800", "Expenses": "2,424,100", "Revenues": "2,495,000", "Stockholders Equity": "2,216,100", "Net Income": "83,700", "Comprehensive Net Income": "83,700", "BaseVar": "131,520,779", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "256,700", "Claims Reserve and LAE": "4,132,200", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "303,400", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "311,800", "Investment Income": "295,900", "Investments": "6,460,100", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "307,800", "Other Compr. Net Income": "0", "Other Expenses": "788,400", "Other Liabilities": "1,064,300", "Other Net Income": "11,600", "Other Revenues": "59,300", "Policyholder Benefits and Claims": "1,582,100", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,107,100", "Premiums Receivable": "369,300", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "650,900"}, "output_variables": {"Assets": "8,009,100", "Liabilities": "5,847,400", "Expenses": "2,370,500", "Revenues": "2,462,300", "Stockholders Equity": "2,161,700", "Net Income": "103,400", "Comprehensive Net Income": "103,400", "BaseVar": "147,753,831", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "255,900", "Claims Reserve and LAE": "4,406,700", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "332,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "323,000", "Investment Income": "298,104", "Investments": "6,607,500", "Liabilities Current": "0", "Long Term Debt": "751,600", "Other Assets": "355,600", "Other Compr. Net Income": "12,700", "Other Expenses": "736,009", "Other Liabilities": "458,300", "Other Net Income": "4,394", "Other Revenues": "26,101", "Policyholder Benefits and Claims": "1,780,627", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,214,732", "Premiums Receivable": "336,500", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,549,565", "Revenues Y+2": "2,529,822", "Revenues Y+3": "2,541,821", "Revenues Y+4": "2,534,616", "Revenues Y+5": "2,538,937", "Separate Account Asset": "0", "Unearned Premiums": "618,700"}, "output_variables": {"Assets": "8,210,500", "Liabilities": "6,235,300", "Expenses": "2,516,637", "Revenues": "2,538,937", "Stockholders Equity": "1,975,200", "Net Income": "26,695", "Comprehensive Net Income": "33,045", "BaseVar": "109,083,697", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "96%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 987600000.0, "future_profits": 578738680.5172448, "valuation_correction": 703700.6828912216, "limited_liability_put_option": 5389509314.604005, "fair_value": 6956551695.804141, "market_value": 1880043682.3411465}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000860748.svg", "value": 0.8668135673710471, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000860748.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000860748.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000860748.svg"}, {"company_id": "0001401521", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001401521.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "American Coastal Insurance Corp", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of American Coastal Insurance Corp compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of American Coastal Insurance Corp is the variable Assets, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 6.1% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001401521_2017_American_Coastal_Insurance_Corp.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "5.57", "Assets": "-21.1", "Liabilities": "11.1", "Stockholders Equity": "-7.92", "ECR before LimitedLiability": "-4.09", "Intangible Assets": "-1.09", "Assets, Non-Current": "-1.19", "Other Assets": "-9.65", "Separate Account Asset": "-6.02", "Assets, Current": "6.17", "Premiums Receivable": "-0.869", "Investments": "-15.7", "Liabilities Current": "0.430", "Long Term Debt": "2.52", "Other Liabilities": "10.8", "Unearned Premiums": "-17.1", "Policyholder Contract Deposits": "10.0", "Claims Reserve and LAE": "10.8", "Reinsurance Payable": "-3.41", "Economic Capital Ratio": "-3.93", "Premiums Earned": "-0.334"}, "2012": {"Assets, Current": "8.29", "Assets": "-20.9", "Liabilities": "14.6", "Stockholders Equity": "-4.96", "ECR before LimitedLiability": "-0.607", "Separate Account Asset": "-6.20", "Other Assets": "-8.17", "Deferred Policy Acquisition Costs": "0.913", "Intangible Assets": "-1.09", "Reinsurance Recoverables": "4.23", "Assets, Non-Current": "-1.24", "Investments": "-17.5", "Premiums Receivable": "-0.524", "Reinsurance Payable": "-4.45", "Other Liabilities": "14.2", "Claims Reserve and LAE": "14.2", "Unearned Premiums": "-16.6", "Long Term Debt": "2.75", "Policyholder Contract Deposits": "11.0", "Liabilities Current": "0.568", "Economic Capital Ratio": "-0.439"}, "2013": {"Intangible Assets": "-1.25", "Assets": "-26.1", "Liabilities": "11.7", "Stockholders Equity": "-10.2", "ECR before LimitedLiability": "-3.33", "Reinsurance Recoverables": "2.61", "Separate Account Asset": "-7.47", "Investments": "-14.0", "Assets, Non-Current": "-1.18", "Other Assets": "-12.8", "Premiums Receivable": "-1.05", "Deferred Policy Acquisition Costs": "0.842", "Liabilities Current": "0.619", "Long Term Debt": "3.86", "Unearned Premiums": "-17.3", "Reinsurance Payable": "-4.75", "Claims Reserve and LAE": "10.8", "Other Liabilities": "11.1", "Policyholder Contract Deposits": "10.8", "Economic Capital Ratio": "-3.10", "Premiums Earned": "-0.505"}, "2014": {"Investments": "-10.0", "Assets": "-23.1", "Liabilities": "18.5", "Stockholders Equity": "-12.1", "Economic Capital Ratio": "0.590", "Other Assets": "-14.3", "Separate Account Asset": "-3.58", "Assets, Non-Current": "-1.39", "Assets, Current": "-0.882", "Intangible Assets": "-1.24", "Deferred Policy Acquisition Costs": "0.859", "Premiums Receivable": "-1.31", "Reinsurance Recoverables": "1.71", "Other Liabilities": "18.1", "Long Term Debt": "3.94", "Policyholder Contract Deposits": "3.94", "Reinsurance Payable": "-3.26", "Unearned Premiums": "-14.4", "Claims Reserve and LAE": "18.1", "Liabilities Current": "0.862", "Premiums Earned": "-0.355"}, "2015": {"Separate Account Asset": "-3.30", "Assets": "-24.9", "Liabilities": "17.0", "Stockholders Equity": "-13.5", "ECR before LimitedLiability": "-1.11", "Other Assets": "-13.9", "Assets, Current": "0.580", "Premiums Receivable": "-1.44", "Assets, Non-Current": "-0.830", "Investments": "-15.2", "Deferred Policy Acquisition Costs": "0.863", "Reinsurance Recoverables": "2.01", "Intangible Assets": "-0.794", "Policyholder Contract Deposits": "7.55", "Long Term Debt": "4.71", "Other Liabilities": "16.4", "Claims Reserve and LAE": "16.5", "Reinsurance Payable": "-3.83", "Unearned Premiums": "-15.3", "Liabilities Current": "0.822", "Economic Capital Ratio": "-0.820"}, "2016": {"Assets, Current": "2.69", "Assets": "-26.7", "Liabilities": "11.6", "Stockholders Equity": "-18.5", "ECR before LimitedLiability": "-6.37", "Reinsurance Recoverables": "3.72", "Intangible Assets": "-0.859", "Premiums Receivable": "-2.65", "Deferred Policy Acquisition Costs": "1.05", "Investments": "-19.3", "Separate Account Asset": "-1.48", "Other Assets": "-14.4", "Assets, Non-Current": "-0.585", "Unearned Premiums": "-10.5", "Policyholder Contract Deposits": "3.73", "Long Term Debt": "6.02", "Liabilities Current": "0.833", "Other Liabilities": "11.1", "Claims Reserve and LAE": "11.3", "Reinsurance Payable": "-4.92", "Economic Capital Ratio": "-6.13"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001401521_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "41,639", "Assets, Non-Current": "4,376", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "29,054", "Deferred Policy Acquisition Costs": "12,324", "General and Administrative Expense": "9,674", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "2,823", "Investments": "124,259", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "986", "Other Compr. Net Income": "2,557", "Other Expenses": "10,741", "Other Liabilities": "68,525", "Other Net Income": "0", "Other Revenues": "3,515", "Policyholder Benefits and Claims": "38,861", "Policyholder Contract Deposits": "0", "Premiums Earned": "90,080", "Premiums Receivable": "11,205", "Reinsurance Payable": "16,571", "Reinsurance Recoverables": "45,426", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "100,130"}, "output_variables": {"Assets": "240,215", "Liabilities": "185,226", "Expenses": "88,330", "Revenues": "96,418", "Stockholders Equity": "54,989", "Net Income": "8,088", "Comprehensive Net Income": "9,366", "BaseVar": "4,942,645", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2012": {"input_variables": {"Assets, Current": "71,205", "Assets, Non-Current": "3,149", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "16,978", "General and Administrative Expense": "11,734", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,083", "Investments": "152,180", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "760", "Other Compr. Net Income": "272", "Other Expenses": "51,386", "Other Liabilities": "70,780", "Other Net Income": "0", "Other Revenues": "6,183", "Policyholder Benefits and Claims": "58,409", "Policyholder Contract Deposits": "0", "Premiums Earned": "121,968", "Premiums Receivable": "17,154", "Reinsurance Payable": "26,063", "Reinsurance Recoverables": "52,188", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "128,785"}, "output_variables": {"Assets": "313,614", "Liabilities": "225,628", "Expenses": "121,529", "Revenues": "131,234", "Stockholders Equity": "87,986", "Net Income": "9,705", "Comprehensive Net Income": "9,841", "BaseVar": "7,625,290", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2013": {"input_variables": {"Assets, Current": "34,888", "Assets, Non-Current": "6,708", "Claims Reserve and LAE": "47,451", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "25,186", "General and Administrative Expense": "14,552", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,871", "Investments": "288,926", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,752", "Other Compr. Net Income": "-2,521", "Other Expenses": "74,357", "Other Liabilities": "53,281", "Other Net Income": "1.0", "Other Revenues": "6,831", "Policyholder Benefits and Claims": "98,830", "Policyholder Contract Deposits": "0", "Premiums Earned": "197,378", "Premiums Receivable": "26,076", "Reinsurance Payable": "39,483", "Reinsurance Recoverables": "57,694", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "193,428"}, "output_variables": {"Assets": "441,230", "Liabilities": "333,643", "Expenses": "187,739", "Revenues": "208,080", "Stockholders Equity": "107,587", "Net Income": "20,342", "Comprehensive Net Income": "19,082", "BaseVar": "7,255,385", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2014": {"input_variables": {"Assets, Current": "61,391", "Assets, Non-Current": "9,723", "Claims Reserve and LAE": "54,436", "Deferred Acquisition Costs Amortization": "43,088", "Deferred Policy Acquisition Costs": "31,925", "General and Administrative Expense": "23,444", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "8,534", "Investments": "381,627", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,239", "Other Compr. Net Income": "-836", "Other Expenses": "25,326", "Other Liabilities": "51,230", "Other Net Income": "457", "Other Revenues": "11,144", "Policyholder Benefits and Claims": "150,778", "Policyholder Contract Deposits": "0", "Premiums Earned": "395,610", "Premiums Receivable": "31,369", "Reinsurance Payable": "45,254", "Reinsurance Recoverables": "65,895", "Revenues Y+1": "329,602", "Revenues Y+2": "363,691", "Revenues Y+3": "387,348", "Revenues Y+4": "403,812", "Revenues Y+5": "415,288", "Separate Account Asset": "0", "Unearned Premiums": "229,486"}, "output_variables": {"Assets": "584,169", "Liabilities": "380,406", "Expenses": "242,636", "Revenues": "415,288", "Stockholders Equity": "203,763", "Net Income": "173,110", "Comprehensive Net Income": "172,691", "BaseVar": "15,396,712", "ECR before LimitedLiability": "132%", "Economic Capital Ratio": "179%"}}, "2015": {"input_variables": {"Assets, Current": "84,786", "Assets, Non-Current": "25,931", "Claims Reserve and LAE": "76,792", "Deferred Acquisition Costs Amortization": "89,744", "Deferred Policy Acquisition Costs": "46,732", "General and Administrative Expense": "48,935", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,413", "Investment Income": "12,546", "Investments": "452,714", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,915", "Other Compr. Net Income": "3,088", "Other Expenses": "28,947", "Other Liabilities": "54,823", "Other Net Income": "1,379", "Other Revenues": "23,482", "Policyholder Benefits and Claims": "436,966", "Policyholder Contract Deposits": "0", "Premiums Earned": "516,902", "Premiums Receivable": "41,170", "Reinsurance Payable": "64,542", "Reinsurance Recoverables": "82,360", "Revenues Y+1": "417,824", "Revenues Y+2": "464,856", "Revenues Y+3": "501,620", "Revenues Y+4": "530,392", "Revenues Y+5": "552,930", "Separate Account Asset": "0", "Unearned Premiums": "304,653"}, "output_variables": {"Assets": "740,021", "Liabilities": "500,810", "Expenses": "604,592", "Revenues": "552,930", "Stockholders Equity": "239,211", "Net Income": "-50,283", "Comprehensive Net Income": "-48,739", "BaseVar": "26,557,674", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "109%"}}, "2016": {"input_variables": {"Assets, Current": "150,688", "Assets, Non-Current": "41,414", "Claims Reserve and LAE": "140,855", "Deferred Acquisition Costs Amortization": "124,838", "Deferred Policy Acquisition Costs": "65,473", "General and Administrative Expense": "101,526", "Insurance Commissions and Fees": "0", "Intangible Assets": "14,254", "Investment Income": "12,716", "Investments": "528,647", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,735", "Other Compr. Net Income": "-1,531", "Other Expenses": "20,765", "Other Liabilities": "145,390", "Other Net Income": "165", "Other Revenues": "55,010", "Policyholder Benefits and Claims": "874,072", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,014,357", "Premiums Receivable": "38,883", "Reinsurance Payable": "99,891", "Reinsurance Recoverables": "156,592", "Revenues Y+1": "612,799", "Revenues Y+2": "734,936", "Revenues Y+3": "853,757", "Revenues Y+4": "969,429", "Revenues Y+5": "1,082,084", "Separate Account Asset": "0", "Unearned Premiums": "372,223"}, "output_variables": {"Assets": "999,686", "Liabilities": "758,359", "Expenses": "1,121,201", "Revenues": "1,082,084", "Stockholders Equity": "241,327", "Net Income": "-38,952", "Comprehensive Net Income": "-39,718", "BaseVar": "45,155,740", "ECR before LimitedLiability": "34%", "Economic Capital Ratio": "107%"}}}, "top_rated": false, "trend": -15.0, "valuation": {"past_accumulated_profits": 120663500.0, "future_profits": 186073576.5882763, "valuation_correction": -9135322.238890689, "limited_liability_put_option": 643677278.1633499, "fair_value": 941279032.5127354, "market_value": 267337608.00341418}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001401521.svg", "value": 0.866645311935004, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001401521.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001401521.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001401521.svg"}, {"company_id": "0000074260", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000074260.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "OLD Republic International CORP", "rank": 38, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of OLD Republic International CORP compared to the market average is the variable Claims Reserve and LAE, increasing the Economic Capital Ratio by 11% points.The greatest weakness of OLD Republic International CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 6.2% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000074260_2017_OLD_Republic_International_CORP.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.728", "Assets": "-4.88", "Liabilities": "7.63", "Stockholders Equity": "0.882", "ECR before LimitedLiability": "-1.16", "Assets, Current": "-1.60", "Investments": "1.41", "Intangible Assets": "-0.960", "Separate Account Asset": "-4.24", "Premiums Receivable": "1.15", "Reinsurance Recoverables": "-1.85", "Other Assets": "2.30", "Liabilities Current": "0.442", "Other Liabilities": "-21.6", "Unearned Premiums": "-0.430", "Long Term Debt": "1.50", "Policyholder Contract Deposits": "7.40", "Claims Reserve and LAE": "11.7", "Economic Capital Ratio": "-1.05", "Premiums Earned": "0.826", "Other Revenues": "-1.40"}, "2011": {"Reinsurance Recoverables": "-2.73", "Assets": "-10.4", "Liabilities": "11.2", "Stockholders Equity": "-2.98", "ECR before LimitedLiability": "-3.61", "Intangible Assets": "-0.835", "Other Assets": "2.61", "Separate Account Asset": "-4.70", "Assets, Current": "-1.84", "Premiums Receivable": "0.688", "Deferred Policy Acquisition Costs": "-1.06", "Investments": "-3.32", "Long Term Debt": "1.95", "Other Liabilities": "-16.8", "Unearned Premiums": "2.87", "Policyholder Contract Deposits": "7.87", "Claims Reserve and LAE": "11.2", "Reinsurance Payable": "0.658", "Economic Capital Ratio": "-3.45", "Other Revenues": "-0.798", "Premiums Earned": "0.482"}, "2012": {"Assets, Current": "-2.33", "Assets": "-11.8", "Liabilities": "10.6", "Stockholders Equity": "-3.64", "ECR before LimitedLiability": "-4.16", "Separate Account Asset": "-5.08", "Other Assets": "3.85", "Deferred Policy Acquisition Costs": "-0.773", "Intangible Assets": "-0.880", "Reinsurance Recoverables": "-2.79", "Investments": "-5.63", "Premiums Receivable": "0.873", "Reinsurance Payable": "0.708", "Other Liabilities": "-16.6", "Claims Reserve and LAE": "10.6", "Unearned Premiums": "3.09", "Long Term Debt": "2.04", "Policyholder Contract Deposits": "8.29", "Economic Capital Ratio": "-3.99", "Other Revenues": "-0.868", "Premiums Earned": "0.439"}, "2013": {"Intangible Assets": "-0.914", "Assets": "-14.0", "Liabilities": "9.96", "Stockholders Equity": "-4.66", "ECR before LimitedLiability": "-4.19", "Assets, Current": "-2.75", "Reinsurance Recoverables": "-2.53", "Separate Account Asset": "-5.60", "Investments": "-3.82", "Other Assets": "-0.664", "Premiums Receivable": "0.610", "Deferred Policy Acquisition Costs": "-0.782", "Long Term Debt": "2.77", "Unearned Premiums": "2.76", "Reinsurance Payable": "0.659", "Claims Reserve and LAE": "9.96", "Other Liabilities": "-17.9", "Policyholder Contract Deposits": "8.61", "Economic Capital Ratio": "-3.96", "Other Revenues": "-1.35", "Premiums Earned": "0.697"}, "2014": {"Investments": "-0.663", "Assets": "-12.4", "Liabilities": "8.03", "Stockholders Equity": "-9.51", "ECR before LimitedLiability": "-7.22", "Other Assets": "-3.35", "Separate Account Asset": "-2.79", "Assets, Current": "-3.99", "Intangible Assets": "-0.957", "Deferred Policy Acquisition Costs": "-0.555", "Premiums Receivable": "0.722", "Reinsurance Recoverables": "-2.45", "Other Liabilities": "-23.6", "Long Term Debt": "2.58", "Policyholder Contract Deposits": "2.58", "Reinsurance Payable": "1.31", "Unearned Premiums": "2.76", "Claims Reserve and LAE": "10.7", "Liabilities Current": "0.560", "Economic Capital Ratio": "-6.85", "Other Revenues": "-0.918"}, "2015": {"Separate Account Asset": "-2.56", "Assets": "-14.5", "Liabilities": "10.4", "Stockholders Equity": "-10.0", "ECR before LimitedLiability": "-7.14", "Other Assets": "-2.97", "Assets, Current": "-3.31", "Premiums Receivable": "0.581", "Investments": "-4.84", "Deferred Policy Acquisition Costs": "-0.795", "Reinsurance Recoverables": "-2.24", "Intangible Assets": "-0.762", "Policyholder Contract Deposits": "5.11", "Long Term Debt": "3.17", "Other Liabilities": "-28.3", "Claims Reserve and LAE": "10.6", "Reinsurance Payable": "1.34", "Unearned Premiums": "2.63", "Economic Capital Ratio": "-6.85", "Other Revenues": "-1.08", "Premiums Earned": "0.577"}, "2016": {"Assets, Current": "-2.83", "Assets": "-10.9", "Liabilities": "7.12", "Stockholders Equity": "-8.21", "ECR before LimitedLiability": "-6.39", "Reinsurance Recoverables": "-2.42", "Intangible Assets": "-1.00", "Deferred Policy Acquisition Costs": "-0.648", "Investments": "-1.92", "Separate Account Asset": "-0.986", "Other Assets": "-2.69", "Unearned Premiums": "2.50", "Policyholder Contract Deposits": "2.48", "Long Term Debt": "4.02", "Liabilities Current": "0.550", "Other Liabilities": "-32.1", "Claims Reserve and LAE": "11.2", "Reinsurance Payable": "0.911", "Premiums Earned": "0.669", "Economic Capital Ratio": "-6.16", "Other Revenues": "-1.27"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000074260_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "465,300", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "230,600", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "488,100", "Investments": "10,259,300", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,904,600", "Other Compr. Net Income": "105,200", "Other Expenses": "1,819,400", "Other Liabilities": "10,528,900", "Other Net Income": "0", "Other Revenues": "3,614,600", "Policyholder Benefits and Claims": "2,253,200", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,022,900", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "1,232,400"}, "output_variables": {"Assets": "15,882,700", "Liabilities": "11,761,300", "Expenses": "4,072,600", "Revenues": "4,102,700", "Stockholders Equity": "4,121,400", "Net Income": "30,100", "Comprehensive Net Income": "82,700", "BaseVar": "139,665,465", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "466,200", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "197,600", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "480,100", "Investments": "10,495,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,852,100", "Other Compr. Net Income": "-43,000", "Other Expenses": "2,055,500", "Other Liabilities": "11,009,000", "Other Net Income": "0", "Other Revenues": "4,165,400", "Policyholder Benefits and Claims": "2,730,600", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,039,000", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "1,268,800"}, "output_variables": {"Assets": "16,050,400", "Liabilities": "12,277,800", "Expenses": "4,786,100", "Revenues": "4,645,500", "Stockholders Equity": "3,772,600", "Net Income": "-140,600", "Comprehensive Net Income": "-162,100", "BaseVar": "253,421,676", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "87%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "454,200", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "165,500", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "384,300", "Investments": "10,608,800", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,863,600", "Other Compr. Net Income": "-65,600", "Other Expenses": "2,291,500", "Other Liabilities": "11,266,200", "Other Net Income": "0", "Other Revenues": "4,585,800", "Policyholder Benefits and Claims": "2,747,400", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,134,700", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "1,364,400"}, "output_variables": {"Assets": "16,226,800", "Liabilities": "12,630,600", "Expenses": "5,038,900", "Revenues": "4,970,100", "Stockholders Equity": "3,596,200", "Net Income": "-68,800", "Comprehensive Net Income": "-101,600", "BaseVar": "307,294,979", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "455,700", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "192,600", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "463,277", "Investments": "10,868,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,827,100", "Other Compr. Net Income": "-93,852", "Other Expenses": "2,873,508", "Other Liabilities": "11,271,600", "Other Net Income": "0", "Other Revenues": "5,059,316", "Policyholder Benefits and Claims": "2,089,797", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,190,500", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,507,750", "Revenues Y+2": "5,520,024", "Revenues Y+3": "5,522,150", "Revenues Y+4": "5,522,526", "Revenues Y+5": "5,522,593", "Separate Account Asset": "0", "Unearned Premiums": "1,487,800"}, "output_variables": {"Assets": "16,534,400", "Liabilities": "12,759,400", "Expenses": "4,963,304", "Revenues": "5,522,593", "Stockholders Equity": "3,775,000", "Net Income": "559,288", "Comprehensive Net Income": "512,362", "BaseVar": "197,056,376", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "476,800", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "230,800", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "618,646", "Investments": "11,068,800", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,924,100", "Other Compr. Net Income": "-90,359", "Other Expenses": "2,595,517", "Other Liabilities": "11,436,300", "Other Net Income": "0", "Other Revenues": "4,899,775", "Policyholder Benefits and Claims": "2,555,367", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,287,600", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,520,678", "Revenues Y+2": "5,518,809", "Revenues Y+3": "5,518,486", "Revenues Y+4": "5,518,431", "Revenues Y+5": "5,518,421", "Separate Account Asset": "0", "Unearned Premiums": "1,627,700"}, "output_variables": {"Assets": "16,988,100", "Liabilities": "13,064,000", "Expenses": "5,150,884", "Revenues": "5,518,421", "Stockholders Equity": "3,924,100", "Net Income": "367,537", "Comprehensive Net Income": "322,357", "BaseVar": "258,457,365", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "484,500", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "255,400", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "488,926", "Investments": "11,225,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,834,900", "Other Compr. Net Income": "-208,951", "Other Expenses": "2,945,298", "Other Liabilities": "11,480,900", "Other Net Income": "0", "Other Revenues": "5,363,011", "Policyholder Benefits and Claims": "2,429,998", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,310,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,839,469", "Revenues Y+2": "5,849,666", "Revenues Y+3": "5,851,569", "Revenues Y+4": "5,851,883", "Revenues Y+5": "5,851,937", "Separate Account Asset": "0", "Unearned Premiums": "1,748,700"}, "output_variables": {"Assets": "17,110,500", "Liabilities": "13,229,600", "Expenses": "5,375,296", "Revenues": "5,851,937", "Stockholders Equity": "3,880,900", "Net Income": "476,641", "Comprehensive Net Income": "372,165", "BaseVar": "270,442,021", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "457,100", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "274,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "460,869", "Investments": "12,757,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,712,600", "Other Compr. Net Income": "-262,206", "Other Expenses": "3,137,510", "Other Liabilities": "12,277,000", "Other Net Income": "0", "Other Revenues": "5,473,042", "Policyholder Benefits and Claims": "2,308,164", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,390,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,928,376", "Revenues Y+2": "5,932,943", "Revenues Y+3": "5,933,748", "Revenues Y+4": "5,933,887", "Revenues Y+5": "5,933,911", "Separate Account Asset": "0", "Unearned Premiums": "1,842,900"}, "output_variables": {"Assets": "18,591,600", "Liabilities": "14,119,900", "Expenses": "5,445,674", "Revenues": "5,933,911", "Stockholders Equity": "4,471,700", "Net Income": "488,237", "Comprehensive Net Income": "357,134", "BaseVar": "250,126,639", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 2235850000.0, "future_profits": 1485913232.9986324, "valuation_correction": -361913.48140365613, "limited_liability_put_option": 12188203967.49271, "fair_value": 15909605287.00994, "market_value": 2448022780.6670427}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000074260.svg", "value": 0.8664125434778588, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000074260.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000074260.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000074260.svg"}, {"company_id": "0000101199", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000101199.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "United FIRE Group INC", "rank": 39, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of United FIRE Group INC compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of United FIRE Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 6.6% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000101199_2017_United_FIRE_Group_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-0.194", "Assets": "7.47", "Liabilities": "-9.25", "Stockholders Equity": "-0.287", "ECR before LimitedLiability": "-6.15", "Intangible Assets": "-0.581", "Assets, Non-Current": "-0.268", "Other Assets": "-4.55", "Separate Account Asset": "-3.33", "Assets, Current": "0.600", "Premiums Receivable": "0.649", "Deferred Policy Acquisition Costs": "0.262", "Investments": "8.86", "Liabilities Current": "0.218", "Long Term Debt": "1.29", "Other Liabilities": "-10.6", "Unearned Premiums": "0.388", "Policyholder Contract Deposits": "5.26", "Claims Reserve and LAE": "-6.94", "Reinsurance Payable": "0.432", "Economic Capital Ratio": "-5.99"}, "2013": {"Liabilities Current": "0.318", "Liabilities": "-0.973", "Intangible Assets": "-0.678", "Stockholders Equity": "-1.12", "ECR before LimitedLiability": "-5.22", "Long Term Debt": "2.01", "Unearned Premiums": "0.501", "Reinsurance Payable": "0.476", "Claims Reserve and LAE": "-3.08", "Other Liabilities": "-8.37", "Policyholder Contract Deposits": "6.32", "Assets, Current": "-0.923", "Reinsurance Recoverables": "-0.775", "Separate Account Asset": "-4.23", "Investments": "8.98", "Other Assets": "-7.07", "Premiums Receivable": "0.739", "Deferred Policy Acquisition Costs": "0.941", "Economic Capital Ratio": "-4.98", "Other Revenues": "0.315", "Premiums Earned": "-0.279"}, "2015": {"Separate Account Asset": "-2.02", "Assets": "-3.86", "Liabilities": "-0.852", "Stockholders Equity": "-5.36", "ECR before LimitedLiability": "-7.21", "Other Assets": "-8.81", "Assets, Current": "-1.40", "Premiums Receivable": "0.989", "Assets, Non-Current": "-0.606", "Investments": "10.3", "Deferred Policy Acquisition Costs": "0.867", "Reinsurance Recoverables": "-0.867", "Intangible Assets": "-0.599", "Policyholder Contract Deposits": "4.03", "Long Term Debt": "2.49", "Other Liabilities": "-12.5", "Claims Reserve and LAE": "1.96", "Reinsurance Payable": "1.05", "Unearned Premiums": "0.479", "Liabilities Current": "0.430", "Economic Capital Ratio": "-6.92"}, "2016": {"Assets, Current": "-1.34", "Assets": "-6.15", "Liabilities": "1.32", "Stockholders Equity": "-6.47", "ECR before LimitedLiability": "-6.87", "Reinsurance Recoverables": "-1.38", "Intangible Assets": "-0.901", "Premiums Receivable": "0.843", "Deferred Policy Acquisition Costs": "0.701", "Investments": "8.01", "Separate Account Asset": "-0.888", "Other Assets": "-8.88", "Assets, Non-Current": "-0.686", "Unearned Premiums": "0.992", "Policyholder Contract Deposits": "2.21", "Long Term Debt": "3.59", "Liabilities Current": "0.489", "Other Liabilities": "-11.4", "Claims Reserve and LAE": "3.55", "Reinsurance Payable": "0.811", "Economic Capital Ratio": "-6.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000101199_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "144,527", "Assets, Non-Current": "62,860", "Claims Reserve and LAE": "945,051", "Deferred Acquisition Costs Amortization": "153,176", "Deferred Policy Acquisition Costs": "106,654", "General and Administrative Expense": "58,757", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "6,440", "Investments": "2,908,008", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "89,762", "Other Compr. Net Income": "0", "Other Expenses": "62,675", "Other Liabilities": "1,688,741", "Other Net Income": "0", "Other Revenues": "111,785", "Policyholder Benefits and Claims": "430,389", "Policyholder Contract Deposits": "0", "Premiums Earned": "586,783", "Premiums Receivable": "172,348", "Reinsurance Payable": "0", "Reinsurance Recoverables": "134,765", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "288,991"}, "output_variables": {"Assets": "3,618,924", "Liabilities": "2,922,783", "Expenses": "704,997", "Revenues": "705,008", "Stockholders Equity": "696,141", "Net Income": "11", "Comprehensive Net Income": "11", "BaseVar": "38,877,040", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "84%"}}, "2013": {"input_variables": {"Assets, Current": "92,193", "Assets, Non-Current": "62,248", "Claims Reserve and LAE": "960,651", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "150,092", "General and Administrative Expense": "89,861", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "121,494", "Investments": "3,050,137", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "56,756", "Other Compr. Net Income": "-8,038", "Other Expenses": "252,227", "Other Liabilities": "1,636,724", "Other Net Income": "0", "Other Revenues": "702", "Policyholder Benefits and Claims": "458,814", "Policyholder Contract Deposits": "0", "Premiums Earned": "754,846", "Premiums Receivable": "218,635", "Reinsurance Payable": "0", "Reinsurance Recoverables": "90,611", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "340,464"}, "output_variables": {"Assets": "3,720,672", "Liabilities": "2,937,839", "Expenses": "800,902", "Revenues": "877,042", "Stockholders Equity": "782,833", "Net Income": "76,140", "Comprehensive Net Income": "72,121", "BaseVar": "32,397,911", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "84%"}}, "2015": {"input_variables": {"Assets, Current": "106,449", "Assets, Non-Current": "68,424", "Claims Reserve and LAE": "1,003,895", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "168,264", "General and Administrative Expense": "102,937", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "103,627", "Investments": "3,142,760", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "50,645", "Other Compr. Net Income": "-10,736", "Other Expenses": "293,767", "Other Liabilities": "1,592,527", "Other Net Income": "0", "Other Revenues": "401", "Policyholder Benefits and Claims": "549,088", "Policyholder Contract Deposits": "0", "Premiums Earned": "930,890", "Premiums Receivable": "276,517", "Reinsurance Payable": "0", "Reinsurance Recoverables": "77,317", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "415,057"}, "output_variables": {"Assets": "3,890,376", "Liabilities": "3,011,479", "Expenses": "945,792", "Revenues": "1,034,918", "Stockholders Equity": "878,897", "Net Income": "89,126", "Comprehensive Net Income": "83,758", "BaseVar": "47,902,847", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2016": {"input_variables": {"Assets, Current": "110,853", "Assets, Non-Current": "69,879", "Claims Reserve and LAE": "1,123,896", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "164,112", "General and Administrative Expense": "103,422", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "112,813", "Investments": "3,265,660", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "64,857", "Other Compr. Net Income": "-10,391", "Other Expenses": "299,861", "Other Liabilities": "1,545,105", "Other Net Income": "0", "Other Revenues": "621", "Policyholder Benefits and Claims": "692,798", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,027,292", "Premiums Receivable": "306,202", "Reinsurance Payable": "0", "Reinsurance Recoverables": "73,195", "Revenues Y+1": "1,140,567", "Revenues Y+2": "1,140,719", "Revenues Y+3": "1,140,726", "Revenues Y+4": "1,140,726", "Revenues Y+5": "1,140,726", "Separate Account Asset": "0", "Unearned Premiums": "443,873"}, "output_variables": {"Assets": "4,054,758", "Liabilities": "3,112,874", "Expenses": "1,096,081", "Revenues": "1,140,726", "Stockholders Equity": "941,884", "Net Income": "44,645", "Comprehensive Net Income": "39,449", "BaseVar": "48,708,276", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "95%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 470942000.0, "future_profits": 268068662.60130322, "valuation_correction": -11655.82025184737, "limited_liability_put_option": 2677524541.3164225, "fair_value": 3416523548.097474, "market_value": 944839848.8889408}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000101199.svg", "value": 0.8616751379801783, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000101199.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000101199.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000101199.svg"}, {"company_id": "0001379041", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001379041.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Employers Holdings Inc", "rank": 40, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Employers Holdings Inc compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Employers Holdings Inc is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 26% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 7.3% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001379041_2017_Employers_Holdings_Inc.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.269", "Assets": "6.10", "Liabilities": "-29.9", "Stockholders Equity": "1.17", "ECR before LimitedLiability": "-8.09", "Assets, Current": "0.857", "Investments": "5.09", "Assets, Non-Current": "-0.365", "Separate Account Asset": "-2.25", "Premiums Receivable": "0.596", "Reinsurance Recoverables": "-0.765", "Other Assets": "4.83", "Other Liabilities": "-48.8", "Unearned Premiums": "-0.479", "Long Term Debt": "0.665", "Policyholder Contract Deposits": "3.34", "Claims Reserve and LAE": "4.75", "Economic Capital Ratio": "-7.98", "General and Administrative Expense": "0.220", "Investment Income": "-0.218", "Other Revenues": "0.351"}, "2013": {"Assets": "5.80", "Liabilities": "-10.1", "Stockholders Equity": "-2.48", "ECR before LimitedLiability": "-8.30", "Assets, Current": "-1.41", "Reinsurance Recoverables": "-1.70", "Separate Account Asset": "-3.83", "Investments": "5.82", "Assets, Non-Current": "-0.460", "Other Assets": "3.99", "Premiums Receivable": "1.92", "Deferred Policy Acquisition Costs": "-0.308", "Liabilities Current": "0.267", "Long Term Debt": "1.69", "Reinsurance Payable": "0.400", "Claims Reserve and LAE": "-32.2", "Other Liabilities": "5.81", "Policyholder Contract Deposits": "5.33", "Economic Capital Ratio": "-8.06", "Other Revenues": "0.330", "Premiums Earned": "-0.276"}, "2014": {"Investments": "7.82", "Assets": "7.77", "Liabilities": "-15.4", "Stockholders Equity": "-4.22", "ECR before LimitedLiability": "-10.1", "Other Assets": "0.662", "Separate Account Asset": "-1.85", "Assets, Non-Current": "-0.510", "Assets, Current": "-1.42", "Premiums Receivable": "1.96", "Reinsurance Recoverables": "-1.62", "Other Liabilities": "6.16", "Long Term Debt": "1.59", "Policyholder Contract Deposits": "1.59", "Reinsurance Payable": "0.807", "Unearned Premiums": "0.476", "Claims Reserve and LAE": "-30.7", "Liabilities Current": "0.343", "Economic Capital Ratio": "-9.74", "Other Revenues": "0.262", "Premiums Earned": "-0.221"}, "2015": {"Separate Account Asset": "-1.57", "Assets": "8.97", "Liabilities": "-14.1", "Stockholders Equity": "-2.51", "ECR before LimitedLiability": "-8.58", "Other Assets": "1.34", "Assets, Current": "-1.36", "Premiums Receivable": "2.04", "Assets, Non-Current": "-0.278", "Investments": "8.98", "Deferred Policy Acquisition Costs": "-0.349", "Reinsurance Recoverables": "-1.37", "Policyholder Contract Deposits": "3.04", "Long Term Debt": "1.88", "Other Liabilities": "4.49", "Claims Reserve and LAE": "-28.8", "Reinsurance Payable": "0.787", "Unearned Premiums": "0.320", "Liabilities Current": "0.323", "Economic Capital Ratio": "-8.29", "Other Revenues": "0.226"}, "2016": {"Assets, Current": "-1.06", "Assets": "9.46", "Liabilities": "-13.8", "Stockholders Equity": "-1.72", "ECR before LimitedLiability": "-7.50", "Reinsurance Recoverables": "-1.60", "Premiums Receivable": "1.90", "Deferred Policy Acquisition Costs": "-0.319", "Investments": "9.94", "Separate Account Asset": "-0.645", "Other Assets": "0.909", "Assets, Non-Current": "-0.374", "Unearned Premiums": "0.505", "Policyholder Contract Deposits": "1.59", "Long Term Debt": "2.58", "Liabilities Current": "0.350", "Other Liabilities": "3.81", "Claims Reserve and LAE": "-26.3", "Reinsurance Payable": "0.580", "Economic Capital Ratio": "-7.26", "Other Revenues": "0.223"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001379041_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "119,825", "Assets, Non-Current": "31,848", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "32,239", "General and Administrative Expense": "150,187", "Insurance Commissions and Fees": "0", "Intangible Assets": "49,471", "Investment Income": "93,169", "Investments": "2,080,494", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,041,841", "Other Compr. Net Income": "321", "Other Expenses": "7,839", "Other Liabilities": "2,840,519", "Other Net Income": "0", "Other Revenues": "649", "Policyholder Benefits and Claims": "194,779", "Policyholder Contract Deposits": "0", "Premiums Earned": "321,786", "Premiums Receivable": "109,987", "Reinsurance Payable": "0", "Reinsurance Recoverables": "14,415", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "149,485"}, "output_variables": {"Assets": "3,480,120", "Liabilities": "2,990,004", "Expenses": "352,805", "Revenues": "415,604", "Stockholders Equity": "490,116", "Net Income": "62,799", "Comprehensive Net Income": "62,960", "BaseVar": "14,917,889", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "80%"}}, "2013": {"input_variables": {"Assets, Current": "34,503", "Assets, Non-Current": "34,536", "Claims Reserve and LAE": "2,330,491", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "43,532", "General and Administrative Expense": "203,582", "Insurance Commissions and Fees": "0", "Intangible Assets": "45,877", "Investment Income": "80,293", "Investments": "2,344,858", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "861,063", "Other Compr. Net Income": "-39,131", "Other Expenses": "-7,404", "Other Liabilities": "440,288", "Other Net Income": "0", "Other Revenues": "939", "Policyholder Benefits and Claims": "463,579", "Policyholder Contract Deposits": "0", "Premiums Earned": "642,349", "Premiums Receivable": "279,080", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "303,967"}, "output_variables": {"Assets": "3,643,449", "Liabilities": "3,074,746", "Expenses": "659,757", "Revenues": "723,581", "Stockholders Equity": "568,703", "Net Income": "63,824", "Comprehensive Net Income": "44,258", "BaseVar": "27,884,425", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "81%"}}, "2014": {"input_variables": {"Assets, Current": "103,573", "Assets, Non-Current": "44,482", "Claims Reserve and LAE": "2,369,666", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "44,600", "General and Administrative Expense": "210,549", "Insurance Commissions and Fees": "0", "Intangible Assets": "45,226", "Investment Income": "88,692", "Investments": "2,448,454", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "787,488", "Other Compr. Net Income": "16,507", "Other Expenses": "8,880", "Other Liabilities": "402,367", "Other Net Income": "0", "Other Revenues": "308", "Policyholder Benefits and Claims": "453,354", "Policyholder Contract Deposits": "0", "Premiums Earned": "684,467", "Premiums Receivable": "295,832", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "310,778"}, "output_variables": {"Assets": "3,769,655", "Liabilities": "3,082,811", "Expenses": "672,783", "Revenues": "773,467", "Stockholders Equity": "686,844", "Net Income": "100,684", "Comprehensive Net Income": "108,938", "BaseVar": "36,520,283", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "83%"}}, "2015": {"input_variables": {"Assets, Current": "56,600", "Assets, Non-Current": "65,800", "Claims Reserve and LAE": "2,347,500", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "44,300", "General and Administrative Expense": "220,778", "Insurance Commissions and Fees": "0", "Intangible Assets": "44,700", "Investment Income": "62,489", "Investments": "2,487,200", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "756,100", "Other Compr. Net Income": "10,898", "Other Expenses": "8,091", "Other Liabilities": "338,600", "Other Net Income": "0", "Other Revenues": "212", "Policyholder Benefits and Claims": "429,932", "Policyholder Contract Deposits": "0", "Premiums Earned": "690,820", "Premiums Receivable": "301,100", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "753,532", "Revenues Y+2": "753,517", "Revenues Y+3": "753,521", "Revenues Y+4": "753,521", "Revenues Y+5": "753,521", "Separate Account Asset": "0", "Unearned Premiums": "308,900"}, "output_variables": {"Assets": "3,755,800", "Liabilities": "2,995,000", "Expenses": "658,801", "Revenues": "753,521", "Stockholders Equity": "760,800", "Net Income": "94,720", "Comprehensive Net Income": "100,169", "BaseVar": "35,143,695", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2016": {"input_variables": {"Assets, Current": "67,200", "Assets, Non-Current": "56,800", "Claims Reserve and LAE": "2,301,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "44,300", "General and Administrative Expense": "219,583", "Insurance Commissions and Fees": "0", "Intangible Assets": "44,400", "Investment Income": "82,331", "Investments": "2,552,600", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "703,400", "Other Compr. Net Income": "-17,437", "Other Expenses": "25,433", "Other Liabilities": "321,500", "Other Net Income": "0", "Other Revenues": "541", "Policyholder Benefits and Claims": "418,126", "Policyholder Contract Deposits": "0", "Premiums Earned": "695,112", "Premiums Receivable": "304,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "777,748", "Revenues Y+2": "778,005", "Revenues Y+3": "777,981", "Revenues Y+4": "777,984", "Revenues Y+5": "777,984", "Separate Account Asset": "0", "Unearned Premiums": "310,300"}, "output_variables": {"Assets": "3,773,400", "Liabilities": "2,932,800", "Expenses": "663,143", "Revenues": "777,984", "Stockholders Equity": "840,600", "Net Income": "114,841", "Comprehensive Net Income": "106,123", "BaseVar": "32,641,514", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 420300000.0, "future_profits": 359614187.68519896, "valuation_correction": -24277.43505111039, "limited_liability_put_option": 2497090317.099697, "fair_value": 3276980227.349845, "market_value": 939206849.9659938}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001379041.svg", "value": 0.8553553014156718, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001379041.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001379041.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001379041.svg"}, {"company_id": "0001179929", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001179929.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Molina Healthcare INC", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Molina Healthcare INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Molina Healthcare INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 110% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 7.4% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001179929_2017_Molina_Healthcare_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-15.7", "Assets": "-48.1", "Liabilities": "38.9", "Stockholders Equity": "-104", "ECR before LimitedLiability": "11.2", "Intangible Assets": "-2.84", "Assets, Non-Current": "-6.96", "Other Assets": "-29.3", "Separate Account Asset": "-23.1", "Assets, Current": "13.1", "Premiums Receivable": "-13.9", "Deferred Policy Acquisition Costs": "-10.6", "Investments": "-45.2", "Liabilities Current": "-27.3", "Long Term Debt": "10.8", "Other Liabilities": "35.1", "Unearned Premiums": "27.7", "Policyholder Contract Deposits": "28.0", "Claims Reserve and LAE": "29.6", "Reinsurance Payable": "6.17", "Economic Capital Ratio": "11.4"}, "2012": {"Assets, Current": "10.2", "Assets": "-51.7", "Liabilities": "35.7", "Stockholders Equity": "-108", "ECR before LimitedLiability": "7.70", "Separate Account Asset": "-26.0", "Other Assets": "-29.5", "Deferred Policy Acquisition Costs": "-9.15", "Intangible Assets": "-4.07", "Reinsurance Recoverables": "-17.5", "Assets, Non-Current": "-6.30", "Investments": "-48.9", "Premiums Receivable": "-15.3", "Reinsurance Payable": "7.63", "Other Liabilities": "31.9", "Claims Reserve and LAE": "26.6", "Unearned Premiums": "24.7", "Long Term Debt": "11.9", "Policyholder Contract Deposits": "25.0", "Liabilities Current": "-30.5", "Economic Capital Ratio": "7.87"}, "2013": {"Intangible Assets": "-2.16", "Assets": "-55.3", "Liabilities": "25.7", "Stockholders Equity": "-78.2", "Economic Capital Ratio": "0.278", "Assets, Current": "14.2", "Reinsurance Recoverables": "-13.0", "Separate Account Asset": "-23.9", "Investments": "-50.3", "Assets, Non-Current": "-3.94", "Other Assets": "-32.6", "Premiums Receivable": "-13.7", "Deferred Policy Acquisition Costs": "-7.37", "Liabilities Current": "-29.8", "Long Term Debt": "14.2", "Unearned Premiums": "15.5", "Reinsurance Payable": "4.38", "Claims Reserve and LAE": "17.8", "Other Liabilities": "20.7", "Policyholder Contract Deposits": "15.8", "Other Revenues": "-1.66", "Premiums Earned": "0.660"}, "2014": {"Investments": "-51.8", "Assets": "-58.3", "Liabilities": "20.7", "Stockholders Equity": "-103", "ECR before LimitedLiability": "-7.59", "Other Assets": "-38.6", "Separate Account Asset": "-14.9", "Assets, Non-Current": "-6.49", "Assets, Current": "7.32", "Intangible Assets": "-3.27", "Deferred Policy Acquisition Costs": "-6.98", "Premiums Receivable": "-14.6", "Reinsurance Recoverables": "-13.3", "Other Liabilities": "15.7", "Long Term Debt": "10.3", "Policyholder Contract Deposits": "10.3", "Reinsurance Payable": "8.07", "Unearned Premiums": "11.9", "Claims Reserve and LAE": "14.5", "Liabilities Current": "-31.5", "Economic Capital Ratio": "-7.23"}, "2015": {"Separate Account Asset": "-13.2", "Assets": "-57.7", "Liabilities": "21.5", "Stockholders Equity": "-99.4", "ECR before LimitedLiability": "-6.61", "Other Assets": "-37.2", "Assets, Current": "11.2", "Premiums Receivable": "-14.6", "Assets, Non-Current": "-7.52", "Investments": "-52.6", "Deferred Policy Acquisition Costs": "-8.13", "Reinsurance Recoverables": "-11.8", "Policyholder Contract Deposits": "11.4", "Long Term Debt": "11.0", "Other Liabilities": "15.3", "Claims Reserve and LAE": "15.9", "Reinsurance Payable": "7.92", "Unearned Premiums": "12.5", "Liabilities Current": "-41.3", "Economic Capital Ratio": "-6.33", "Other Revenues": "-1.35"}, "2016": {"Assets, Current": "10.0", "Assets": "-59.3", "Liabilities": "20.8", "Stockholders Equity": "-110", "ECR before LimitedLiability": "-7.67", "Reinsurance Recoverables": "-14.4", "Intangible Assets": "-3.27", "Premiums Receivable": "-16.7", "Deferred Policy Acquisition Costs": "-8.55", "Investments": "-54.6", "Separate Account Asset": "-6.57", "Other Assets": "-38.5", "Assets, Non-Current": "-8.16", "Unearned Premiums": "11.7", "Policyholder Contract Deposits": "9.84", "Long Term Debt": "10.2", "Liabilities Current": "-43.1", "Other Liabilities": "14.1", "Claims Reserve and LAE": "15.9", "Reinsurance Payable": "6.21", "Economic Capital Ratio": "-7.43"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001179929_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "1,048,082", "Assets, Non-Current": "190,934", "Claims Reserve and LAE": "402,476", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "415,932", "Insurance Commissions and Fees": "0", "Intangible Assets": "153,954", "Investment Income": "0", "Investments": "0", "Liabilities Current": "601,834", "Long Term Debt": "238,711", "Other Assets": "235,775", "Other Compr. Net Income": "787", "Other Expenses": "473,196", "Other Liabilities": "-369,349", "Other Net Income": "0", "Other Revenues": "4,769,940", "Policyholder Benefits and Claims": "3,859,994", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "23,401", "Reinsurance Recoverables": "23,401", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,652,146", "Liabilities": "897,073", "Expenses": "4,749,122", "Revenues": "4,769,940", "Stockholders Equity": "755,073", "Net Income": "20,818", "Comprehensive Net Income": "21,212", "BaseVar": "241,674,837", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2012": {"input_variables": {"Assets, Current": "1,349,126", "Assets, Non-Current": "221,443", "Claims Reserve and LAE": "494,530", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "532,627", "Insurance Commissions and Fees": "0", "Intangible Assets": "151,088", "Investment Income": "0", "Investments": "0", "Liabilities Current": "828,037", "Long Term Debt": "286,571", "Other Assets": "213,165", "Other Compr. Net Income": "948", "Other Expenses": "373,178", "Other Liabilities": "-456,630", "Other Net Income": "-16,408", "Other Revenues": "6,028,763", "Policyholder Benefits and Claims": "5,096,760", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,934,822", "Liabilities": "1,152,508", "Expenses": "6,002,565", "Revenues": "6,028,763", "Stockholders Equity": "782,314", "Net Income": "9,790", "Comprehensive Net Income": "10,264", "BaseVar": "351,796,107", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2013": {"input_variables": {"Assets, Current": "2,039,664", "Assets, Non-Current": "292,083", "Claims Reserve and LAE": "669,787", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "665,996", "Insurance Commissions and Fees": "0", "Intangible Assets": "230,738", "Investment Income": "0", "Investments": "0", "Liabilities Current": "1,293,976", "Long Term Debt": "26,351", "Other Assets": "440,452", "Other Compr. Net Income": "-629", "Other Expenses": "442,570", "Other Liabilities": "119,886", "Other Net Income": "-47,315", "Other Revenues": "6,588,934", "Policyholder Benefits and Claims": "5,380,124", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "3,002,937", "Liabilities": "2,110,000", "Expenses": "6,488,690", "Revenues": "6,588,934", "Stockholders Equity": "892,937", "Net Income": "52,929", "Comprehensive Net Income": "52,614", "BaseVar": "228,859,365", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2014": {"input_variables": {"Assets, Current": "3,245,397", "Assets, Non-Current": "340,778", "Claims Reserve and LAE": "1,200,522", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "824,210", "Insurance Commissions and Fees": "0", "Intangible Assets": "271,964", "Investment Income": "0", "Investments": "0", "Liabilities Current": "2,174,773", "Long Term Debt": "33,487", "Other Assets": "619,076", "Other Compr. Net Income": "-130", "Other Expenses": "670,920", "Other Liabilities": "57,991", "Other Net Income": "-77,513", "Other Revenues": "11,259,673", "Policyholder Benefits and Claims": "9,562,520", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "10,719,569", "Revenues Y+2": "11,079,822", "Revenues Y+3": "11,203,077", "Revenues Y+4": "11,245,246", "Revenues Y+5": "11,259,673", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "4,477,215", "Liabilities": "3,466,773", "Expenses": "11,057,649", "Revenues": "11,259,673", "Stockholders Equity": "1,010,442", "Net Income": "124,511", "Comprehensive Net Income": "124,446", "BaseVar": "510,645,433", "ECR before LimitedLiability": "77%", "Economic Capital Ratio": "141%"}}, "2015": {"input_variables": {"Assets, Current": "5,306,000", "Assets, Non-Current": "393,000", "Claims Reserve and LAE": "1,685,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,567,816", "Insurance Commissions and Fees": "0", "Intangible Assets": "519,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "3,822,000", "Long Term Debt": "37,000", "Other Assets": "358,000", "Other Compr. Net Income": "-506", "Other Expenses": "1,091,877", "Other Liabilities": "-525,000", "Other Net Income": "-77,818", "Other Revenues": "21,686,606", "Policyholder Benefits and Claims": "18,304,593", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "17,128,725", "Revenues Y+2": "19,058,675", "Revenues Y+3": "20,320,978", "Revenues Y+4": "21,146,600", "Revenues Y+5": "21,686,606", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "6,576,000", "Liabilities": "5,019,000", "Expenses": "20,964,286", "Revenues": "21,686,606", "Stockholders Equity": "1,557,000", "Net Income": "644,503", "Comprehensive Net Income": "644,250", "BaseVar": "959,574,630", "ECR before LimitedLiability": "93%", "Economic Capital Ratio": "152%"}}, "2016": {"input_variables": {"Assets, Current": "5,988,000", "Assets, Non-Current": "454,000", "Claims Reserve and LAE": "1,929,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,713,411", "Insurance Commissions and Fees": "0", "Intangible Assets": "620,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "4,570,000", "Long Term Debt": "42,000", "Other Assets": "387,000", "Other Compr. Net Income": "-2,996", "Other Expenses": "1,820,618", "Other Liabilities": "-741,000", "Other Net Income": "-210,713", "Other Revenues": "24,969,625", "Policyholder Benefits and Claims": "20,910,371", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "20,334,192", "Revenues Y+2": "22,141,542", "Revenues Y+3": "23,421,426", "Revenues Y+4": "24,327,783", "Revenues Y+5": "24,969,625", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "7,449,000", "Liabilities": "5,800,000", "Expenses": "24,444,399", "Revenues": "24,969,625", "Stockholders Equity": "1,649,000", "Net Income": "314,512", "Comprehensive Net Income": "313,014", "BaseVar": "1,003,165,322", "ECR before LimitedLiability": "91%", "Economic Capital Ratio": "151%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 824500000.0, "future_profits": 5230302808.487276, "valuation_correction": -30610528.264524147, "limited_liability_put_option": 3978090325.1091604, "fair_value": 10002282605.331913, "market_value": 3105551685.6384277}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001179929.svg", "value": 0.8536786539886254, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001179929.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001179929.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001179929.svg"}, {"company_id": "0000021175", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000021175.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "CNA Financial CORP", "rank": 42, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of CNA Financial CORP compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 10% points.The greatest weakness of CNA Financial CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 7.5% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000021175_2017_CNA_Financial_CORP.pdf", "shrinked_graph_json": {"2014": {"Investments": "11.5", "Assets": "10.7", "Liabilities": "-17.8", "ECR before LimitedLiability": "-7.17", "Other Assets": "-6.69", "Separate Account Asset": "-1.60", "Assets, Current": "-2.30", "Intangible Assets": "-0.413", "Deferred Policy Acquisition Costs": "-0.164", "Reinsurance Recoverables": "2.64", "Other Liabilities": "7.04", "Long Term Debt": "-1.34", "Policyholder Contract Deposits": "1.42", "Reinsurance Payable": "0.739", "Unearned Premiums": "0.905", "Claims Reserve and LAE": "-30.7", "Liabilities Current": "0.314", "Revenues": "0.0804", "Economic Capital Ratio": "-6.81", "Policyholder Benefits and Claims": "-0.331", "Other Expenses": "0.496"}, "2015": {"Separate Account Asset": "-1.40", "Assets": "9.83", "Liabilities": "-18.2", "Stockholders Equity": "-0.456", "ECR before LimitedLiability": "-7.78", "Other Assets": "-5.60", "Assets, Current": "-1.81", "Assets, Non-Current": "0.429", "Investments": "10.3", "Deferred Policy Acquisition Costs": "-0.291", "Reinsurance Recoverables": "2.69", "Policyholder Contract Deposits": "2.73", "Long Term Debt": "-0.706", "Other Liabilities": "3.85", "Claims Reserve and LAE": "-28.7", "Reinsurance Payable": "0.706", "Unearned Premiums": "0.669", "Liabilities Current": "0.289", "Economic Capital Ratio": "-7.49", "Other Expenses": "0.387", "Policyholder Benefits and Claims": "-0.315"}, "2016": {"Assets, Current": "-1.61", "Assets": "9.79", "Liabilities": "-20.3", "ECR before LimitedLiability": "-7.77", "Reinsurance Recoverables": "2.46", "Intangible Assets": "-0.442", "Deferred Policy Acquisition Costs": "-0.237", "Investments": "10.3", "Separate Account Asset": "-0.556", "Other Assets": "-5.45", "Assets, Non-Current": "0.255", "Unearned Premiums": "0.579", "Policyholder Contract Deposits": "1.35", "Long Term Debt": "-0.711", "Liabilities Current": "0.299", "Other Liabilities": "3.18", "Claims Reserve and LAE": "-27.5", "Reinsurance Payable": "0.495", "Economic Capital Ratio": "-7.53", "Other Expenses": "0.541", "Policyholder Benefits and Claims": "-0.398"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000021175_strength_weakness.svg", "table_records": {"2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,136,000", "Claims Reserve and LAE": "32,761,000", "Deferred Acquisition Costs Amortization": "1,317,000", "Deferred Policy Acquisition Costs": "600,000", "General and Administrative Expense": "1,394,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "152,000", "Investment Income": "0", "Investments": "46,262,000", "Liabilities Current": "0", "Long Term Debt": "2,559,000", "Other Assets": "786,000", "Other Compr. Net Income": "-42,000", "Other Expenses": "6,093,000", "Other Liabilities": "3,833,000", "Other Net Income": "-197,000", "Other Revenues": "2,480,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "27,000", "Premiums Earned": "7,212,000", "Premiums Receivable": "1,936,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,694,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "3,592,000"}, "output_variables": {"Assets": "55,566,000", "Liabilities": "42,772,000", "Expenses": "8,804,000", "Revenues": "9,692,000", "Stockholders Equity": "12,794,000", "Net Income": "691,000", "Comprehensive Net Income": "670,000", "BaseVar": "473,037,778", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,640,000", "Claims Reserve and LAE": "32,815,000", "Deferred Acquisition Costs Amortization": "1,540,000", "Deferred Policy Acquisition Costs": "598,000", "General and Administrative Expense": "1,473,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "150,000", "Investment Income": "0", "Investments": "44,699,000", "Liabilities Current": "0", "Long Term Debt": "2,212,000", "Other Assets": "1,429,000", "Other Compr. Net Income": "-715,000", "Other Expenses": "5,609,000", "Other Liabilities": "4,593,000", "Other Net Income": "0", "Other Revenues": "2,180,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,921,000", "Premiums Receivable": "2,078,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,453,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "3,671,000"}, "output_variables": {"Assets": "55,047,000", "Liabilities": "43,291,000", "Expenses": "8,622,000", "Revenues": "9,101,000", "Stockholders Equity": "11,756,000", "Net Income": "479,000", "Comprehensive Net Income": "121,500", "BaseVar": "460,731,500", "ECR before LimitedLiability": "10.0%", "Economic Capital Ratio": "85%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,388,000", "Claims Reserve and LAE": "32,669,000", "Deferred Acquisition Costs Amortization": "1,235,000", "Deferred Policy Acquisition Costs": "600,000", "General and Administrative Expense": "1,552,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "145,000", "Investment Income": "0", "Investments": "45,420,000", "Liabilities Current": "0", "Long Term Debt": "2,710,000", "Other Assets": "1,055,000", "Other Compr. Net Income": "142,000", "Other Expenses": "5,720,000", "Other Liabilities": "4,123,000", "Other Net Income": "0", "Other Revenues": "2,442,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,924,000", "Premiums Receivable": "2,209,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,416,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "3,762,000"}, "output_variables": {"Assets": "55,233,000", "Liabilities": "43,264,000", "Expenses": "8,507,000", "Revenues": "9,366,000", "Stockholders Equity": "11,969,000", "Net Income": "859,000", "Comprehensive Net Income": "930,000", "BaseVar": "410,995,488", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "85%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 5984500000.0, "future_profits": 0.0, "valuation_correction": -1122302955.9246306, "limited_liability_put_option": 37131638501.220276, "fair_value": 41993835545.29565, "market_value": 5504833054.085827}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000021175.svg", "value": 0.8526926819150966, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000021175.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000021175.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000021175.svg"}, {"company_id": "0001412100", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001412100.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Maiden Holdings Ltd", "rank": 43, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Maiden Holdings Ltd compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Maiden Holdings Ltd is the variable Assets, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 7.6% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001412100_2017_Maiden_Holdings_Ltd.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-3.62", "Assets": "-28.5", "Liabilities": "12.0", "Stockholders Equity": "-12.5", "ECR before LimitedLiability": "-4.05", "Intangible Assets": "-1.34", "Assets, Non-Current": "-2.22", "Other Assets": "-7.15", "Separate Account Asset": "-7.29", "Assets, Current": "-0.418", "Premiums Receivable": "1.59", "Deferred Policy Acquisition Costs": "0.818", "Investments": "-19.3", "Liabilities Current": "0.531", "Long Term Debt": "3.10", "Other Liabilities": "11.4", "Unearned Premiums": "-2.68", "Policyholder Contract Deposits": "10.8", "Claims Reserve and LAE": "-4.03", "Reinsurance Payable": "1.05", "Economic Capital Ratio": "-3.89"}, "2012": {"Assets, Current": "-2.48", "Assets": "-26.1", "Liabilities": "12.9", "Stockholders Equity": "-9.50", "ECR before LimitedLiability": "-2.74", "Separate Account Asset": "-7.12", "Other Assets": "-5.34", "Deferred Policy Acquisition Costs": "1.24", "Intangible Assets": "-1.27", "Reinsurance Recoverables": "-2.44", "Assets, Non-Current": "-1.58", "Investments": "-17.8", "Premiums Receivable": "2.44", "Reinsurance Payable": "1.06", "Other Liabilities": "12.5", "Claims Reserve and LAE": "-5.58", "Unearned Premiums": "-1.63", "Long Term Debt": "3.03", "Policyholder Contract Deposits": "12.0", "Liabilities Current": "0.629", "Economic Capital Ratio": "-2.57"}, "2013": {"Intangible Assets": "-1.25", "Assets": "-26.0", "Liabilities": "11.5", "Stockholders Equity": "-10.4", "ECR before LimitedLiability": "-3.53", "Assets, Current": "-2.44", "Reinsurance Recoverables": "-2.29", "Separate Account Asset": "-7.45", "Investments": "-13.3", "Assets, Non-Current": "-1.31", "Other Assets": "-10.4", "Premiums Receivable": "1.80", "Deferred Policy Acquisition Costs": "1.22", "Liabilities Current": "0.612", "Long Term Debt": "3.82", "Unearned Premiums": "-1.98", "Reinsurance Payable": "0.915", "Claims Reserve and LAE": "-1.54", "Other Liabilities": "10.9", "Policyholder Contract Deposits": "10.6", "Economic Capital Ratio": "-3.30"}, "2014": {"Investments": "-10.9", "Assets": "-25.7", "Liabilities": "11.7", "Stockholders Equity": "-17.9", "ECR before LimitedLiability": "-6.63", "Other Assets": "-12.5", "Separate Account Asset": "-3.89", "Assets, Non-Current": "-1.77", "Assets, Current": "-4.68", "Intangible Assets": "-1.35", "Deferred Policy Acquisition Costs": "1.72", "Premiums Receivable": "0.621", "Reinsurance Recoverables": "-2.79", "Other Liabilities": "11.4", "Long Term Debt": "3.67", "Policyholder Contract Deposits": "3.67", "Reinsurance Payable": "1.88", "Unearned Premiums": "-1.98", "Liabilities Current": "0.802", "Economic Capital Ratio": "-6.27", "Premiums Earned": "-0.305"}, "2015": {"Separate Account Asset": "-3.36", "Assets": "-25.3", "Liabilities": "11.4", "Stockholders Equity": "-16.6", "ECR before LimitedLiability": "-6.57", "Other Assets": "-11.5", "Assets, Current": "-3.67", "Premiums Receivable": "-0.912", "Assets, Non-Current": "-1.38", "Investments": "-11.7", "Deferred Policy Acquisition Costs": "1.28", "Reinsurance Recoverables": "-2.40", "Intangible Assets": "-1.01", "Policyholder Contract Deposits": "6.79", "Long Term Debt": "4.23", "Other Liabilities": "11.0", "Claims Reserve and LAE": "3.33", "Reinsurance Payable": "1.79", "Unearned Premiums": "-2.61", "Liabilities Current": "0.738", "Economic Capital Ratio": "-6.29"}, "2016": {"Assets, Current": "-3.54", "Assets": "-23.6", "Liabilities": "9.93", "Stockholders Equity": "-16.7", "ECR before LimitedLiability": "-7.80", "Reinsurance Recoverables": "-2.62", "Intangible Assets": "-1.38", "Premiums Receivable": "-1.06", "Deferred Policy Acquisition Costs": "1.38", "Investments": "-9.78", "Separate Account Asset": "-1.36", "Other Assets": "-11.6", "Assets, Non-Current": "-1.17", "Unearned Premiums": "-2.68", "Policyholder Contract Deposits": "3.31", "Long Term Debt": "2.14", "Liabilities Current": "0.738", "Other Liabilities": "9.71", "Claims Reserve and LAE": "3.06", "Reinsurance Payable": "1.22", "Economic Capital Ratio": "-7.56"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001412100_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "188,082", "Assets, Non-Current": "19,270", "Claims Reserve and LAE": "1,398,438", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "248,436", "General and Administrative Expense": "53,892", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "2,022,853", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "437,445", "Other Compr. Net Income": "9,722", "Other Expenses": "514,967", "Other Liabilities": "354,961", "Other Net Income": "0", "Other Revenues": "88,012", "Policyholder Benefits and Claims": "1,043,054", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,552,428", "Premiums Receivable": "382,670", "Reinsurance Payable": "0", "Reinsurance Recoverables": "55,670", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "832,047"}, "output_variables": {"Assets": "3,354,426", "Liabilities": "2,585,446", "Expenses": "1,611,913", "Revenues": "1,640,440", "Stockholders Equity": "768,980", "Net Income": "28,527", "Comprehensive Net Income": "33,388", "BaseVar": "85,345,567", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2012": {"input_variables": {"Assets, Current": "81,543", "Assets, Non-Current": "33,742", "Claims Reserve and LAE": "1,740,281", "Deferred Acquisition Costs Amortization": "492,031", "Deferred Policy Acquisition Costs": "270,669", "General and Administrative Expense": "53,804", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "2,621,598", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "458,414", "Other Compr. Net Income": "77,071", "Other Expenses": "41,321", "Other Liabilities": "445,774", "Other Net Income": "-107", "Other Revenues": "95,985", "Policyholder Benefits and Claims": "1,262,348", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,803,780", "Premiums Receivable": "522,614", "Reinsurance Payable": "0", "Reinsurance Recoverables": "149,583", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "936,497"}, "output_variables": {"Assets": "4,138,163", "Liabilities": "3,122,552", "Expenses": "1,849,504", "Revenues": "1,899,765", "Stockholders Equity": "1,015,611", "Net Income": "50,154", "Comprehensive Net Income": "88,690", "BaseVar": "114,864,282", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "88%"}}, "2013": {"input_variables": {"Assets, Current": "139,833", "Assets, Non-Current": "56,926", "Claims Reserve and LAE": "1,957,835", "Deferred Acquisition Costs Amortization": "556,578", "Deferred Policy Acquisition Costs": "304,908", "General and Administrative Expense": "58,661", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "3,167,159", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "361,186", "Other Compr. Net Income": "-115,467", "Other Expenses": "42,331", "Other Liabilities": "596,495", "Other Net Income": "0", "Other Revenues": "109,169", "Policyholder Benefits and Claims": "1,349,630", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,000,887", "Premiums Receivable": "560,145", "Reinsurance Payable": "0", "Reinsurance Recoverables": "123,222", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,034,754"}, "output_variables": {"Assets": "4,713,379", "Liabilities": "3,589,084", "Expenses": "2,007,200", "Revenues": "2,110,056", "Stockholders Equity": "1,124,295", "Net Income": "102,856", "Comprehensive Net Income": "45,122", "BaseVar": "77,129,214", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2014": {"input_variables": {"Assets, Current": "108,119", "Assets, Non-Current": "57,926", "Claims Reserve and LAE": "2,271,292", "Deferred Acquisition Costs Amortization": "678,287", "Deferred Policy Acquisition Costs": "372,487", "General and Administrative Expense": "62,960", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "3,469,475", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "567,216", "Other Compr. Net Income": "-115,128", "Other Expenses": "53,350", "Other Liabilities": "443,877", "Other Net Income": "0", "Other Revenues": "132,572", "Policyholder Benefits and Claims": "1,542,164", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,312,391", "Premiums Receivable": "512,996", "Reinsurance Payable": "0", "Reinsurance Recoverables": "75,873", "Revenues Y+1": "2,432,743", "Revenues Y+2": "2,442,622", "Revenues Y+3": "2,444,524", "Revenues Y+4": "2,444,891", "Revenues Y+5": "2,444,963", "Separate Account Asset": "0", "Unearned Premiums": "1,207,757"}, "output_variables": {"Assets": "5,164,092", "Liabilities": "3,922,926", "Expenses": "2,336,762", "Revenues": "2,444,963", "Stockholders Equity": "1,241,166", "Net Income": "108,200", "Comprehensive Net Income": "50,636", "BaseVar": "115,332,032", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2015": {"input_variables": {"Assets, Current": "89,641", "Assets, Non-Current": "125,105", "Claims Reserve and LAE": "2,510,101", "Deferred Acquisition Costs Amortization": "738,000", "Deferred Policy Acquisition Costs": "397,548", "General and Administrative Expense": "64,888", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "4,127,743", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "525,042", "Other Compr. Net Income": "69,076", "Other Expenses": "37,506", "Other Liabilities": "499,873", "Other Net Income": "0", "Other Revenues": "146,893", "Policyholder Benefits and Claims": "1,676,499", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,475,412", "Premiums Receivable": "377,318", "Reinsurance Payable": "0", "Reinsurance Recoverables": "71,248", "Revenues Y+1": "2,612,249", "Revenues Y+2": "2,620,256", "Revenues Y+3": "2,621,898", "Revenues Y+4": "2,622,236", "Revenues Y+5": "2,622,305", "Separate Account Asset": "0", "Unearned Premiums": "1,354,572"}, "output_variables": {"Assets": "5,713,645", "Liabilities": "4,364,546", "Expenses": "2,516,892", "Revenues": "2,622,305", "Stockholders Equity": "1,349,099", "Net Income": "105,413", "Comprehensive Net Income": "139,951", "BaseVar": "121,295,211", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2016": {"input_variables": {"Assets, Current": "45,747", "Assets, Non-Current": "148,912", "Claims Reserve and LAE": "2,896,496", "Deferred Acquisition Costs Amortization": "784,883", "Deferred Policy Acquisition Costs": "424,605", "General and Administrative Expense": "67,004", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "4,736,938", "Liabilities Current": "0", "Long Term Debt": "351,409", "Other Assets": "385,995", "Other Compr. Net Income": "-118,184", "Other Expenses": "24,055", "Other Liabilities": "167,736", "Other Net Income": "0", "Other Revenues": "168,107", "Policyholder Benefits and Claims": "1,884,818", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,606,049", "Premiums Receivable": "410,166", "Reinsurance Payable": "0", "Reinsurance Recoverables": "99,936", "Revenues Y+1": "2,765,163", "Revenues Y+2": "2,772,264", "Revenues Y+3": "2,773,769", "Revenues Y+4": "2,774,088", "Revenues Y+5": "2,774,156", "Separate Account Asset": "0", "Unearned Premiums": "1,475,506"}, "output_variables": {"Assets": "6,252,299", "Liabilities": "4,891,147", "Expenses": "2,760,761", "Revenues": "2,774,156", "Stockholders Equity": "1,361,152", "Net Income": "13,396", "Comprehensive Net Income": "-45,696", "BaseVar": "119,087,799", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}}, "top_rated": false, "trend": -8.0, "valuation": {"past_accumulated_profits": 680576000.0, "future_profits": 614932989.2435017, "valuation_correction": -420752.8494635831, "limited_liability_put_option": 4149402849.056443, "fair_value": 5444491085.450481, "market_value": 1457846573.6890965}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001412100.svg", "value": 0.8523942026710073, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001412100.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001412100.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001412100.svg"}, {"company_id": "0000230557", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000230557.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0000230557.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000230557.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000230557_256x256.png", "name": "Selective Insurance Group INC", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0000230557.svg", "report_text": "The relative strengths and weaknesses of Selective 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. <br/><br/>The greatest strength of Selective Insurance Group INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of Selective Insurance Group INC is the variable Other Assets, reducing the Economic Capital Ratio by 9.6% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 8.2% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000230557_2017_Selective_Insurance_Group_INC.pdf", "shrinked_graph_json": {"2010": {"Assets": "-9.88", "Liabilities": "8.21", "Stockholders Equity": "-3.54", "ECR before LimitedLiability": "-4.63", "Assets, Current": "-1.82", "Investments": "3.18", "Intangible Assets": "-1.03", "Assets, Non-Current": "-0.862", "Separate Account Asset": "-4.82", "Premiums Receivable": "1.69", "Reinsurance Recoverables": "1.79", "Other Assets": "-8.19", "Liabilities Current": "0.470", "Reinsurance Payable": "0.332", "Other Liabilities": "8.42", "Unearned Premiums": "-4.86", "Long Term Debt": "-1.39", "Policyholder Contract Deposits": "7.83", "Claims Reserve and LAE": "-15.5", "Economic Capital Ratio": "-4.52", "Premiums Earned": "-0.408"}, "2011": {"Reinsurance Recoverables": "3.28", "Assets": "-8.44", "Liabilities": "6.59", "Stockholders Equity": "-4.40", "ECR before LimitedLiability": "-6.13", "Intangible Assets": "-0.747", "Assets, Non-Current": "-0.728", "Other Assets": "-6.69", "Separate Account Asset": "-4.58", "Assets, Current": "-1.79", "Premiums Receivable": "1.63", "Investments": "1.12", "Liabilities Current": "0.305", "Long Term Debt": "-1.35", "Other Liabilities": "8.90", "Unearned Premiums": "-2.22", "Policyholder Contract Deposits": "7.26", "Claims Reserve and LAE": "-23.3", "Reinsurance Payable": "0.605", "Economic Capital Ratio": "-5.97", "Premiums Earned": "-0.249"}, "2012": {"Assets, Current": "-1.99", "Assets": "-3.43", "Liabilities": "-0.258", "Stockholders Equity": "-4.14", "ECR before LimitedLiability": "-7.77", "Separate Account Asset": "-4.37", "Other Assets": "-4.92", "Intangible Assets": "-0.692", "Reinsurance Recoverables": "7.00", "Assets, Non-Current": "-0.423", "Investments": "-0.495", "Premiums Receivable": "1.41", "Reinsurance Payable": "0.556", "Other Liabilities": "7.16", "Claims Reserve and LAE": "-28.3", "Unearned Premiums": "-1.78", "Long Term Debt": "-0.974", "Policyholder Contract Deposits": "6.58", "Liabilities Current": "0.330", "Economic Capital Ratio": "-7.60", "Premiums Earned": "-0.188"}, "2013": {"Intangible Assets": "-0.817", "Assets": "-11.6", "Liabilities": "7.31", "Stockholders Equity": "-5.92", "ECR before LimitedLiability": "-6.80", "Assets, Current": "-2.64", "Reinsurance Recoverables": "-1.39", "Separate Account Asset": "-5.40", "Investments": "1.61", "Assets, Non-Current": "-0.360", "Other Assets": "-5.24", "Premiums Receivable": "1.37", "Liabilities Current": "0.399", "Long Term Debt": "-1.12", "Unearned Premiums": "-2.44", "Reinsurance Payable": "0.597", "Claims Reserve and LAE": "-17.7", "Other Liabilities": "7.51", "Policyholder Contract Deposits": "7.30", "Economic Capital Ratio": "-6.56", "Premiums Earned": "-0.375"}, "2014": {"Investments": "4.99", "Assets": "-10.4", "Liabilities": "3.29", "Stockholders Equity": "-10.3", "ECR before LimitedLiability": "-9.45", "Other Assets": "-10.8", "Separate Account Asset": "-2.70", "Assets, Non-Current": "-0.632", "Assets, Current": "-3.87", "Intangible Assets": "-0.869", "Premiums Receivable": "1.33", "Reinsurance Recoverables": "2.95", "Other Liabilities": "8.50", "Long Term Debt": "-0.992", "Policyholder Contract Deposits": "2.37", "Reinsurance Payable": "1.21", "Unearned Premiums": "-1.89", "Claims Reserve and LAE": "-15.4", "Liabilities Current": "0.516", "Economic Capital Ratio": "-9.08", "Premiums Earned": "-0.265"}, "2015": {"Separate Account Asset": "-2.35", "Assets": "-10.4", "Liabilities": "4.69", "Stockholders Equity": "-9.19", "ECR before LimitedLiability": "-8.62", "Other Assets": "-9.97", "Assets, Current": "-3.04", "Premiums Receivable": "1.50", "Assets, Non-Current": "-0.683", "Investments": "2.09", "Reinsurance Recoverables": "2.83", "Intangible Assets": "-0.645", "Policyholder Contract Deposits": "4.55", "Long Term Debt": "-0.465", "Other Liabilities": "8.93", "Claims Reserve and LAE": "-11.1", "Reinsurance Payable": "1.19", "Unearned Premiums": "-2.23", "Liabilities Current": "0.488", "Economic Capital Ratio": "-8.34", "Premiums Earned": "-0.257"}, "2016": {"Assets, Current": "-2.77", "Assets": "-9.48", "Liabilities": "3.36", "Stockholders Equity": "-9.06", "ECR before LimitedLiability": "-8.39", "Reinsurance Recoverables": "2.60", "Intangible Assets": "-0.930", "Premiums Receivable": "1.48", "Investments": "1.32", "Separate Account Asset": "-0.965", "Other Assets": "-9.57", "Assets, Non-Current": "-0.448", "Unearned Premiums": "-2.20", "Policyholder Contract Deposits": "2.33", "Long Term Debt": "0.316", "Liabilities Current": "0.516", "Other Liabilities": "9.04", "Claims Reserve and LAE": "-8.86", "Reinsurance Payable": "0.855", "Premiums Earned": "-0.237", "Economic Capital Ratio": "-8.15"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000230557_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "103,304", "Claims Reserve and LAE": "2,830,058", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "209,627", "General and Administrative Expense": "23,886", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "-7,083", "Investments": "3,925,722", "Liabilities Current": "0", "Long Term Debt": "262,333", "Other Assets": "142,086", "Other Compr. Net Income": "0", "Other Expenses": "489,296", "Other Liabilities": "244,676", "Other Net Income": "-3,780", "Other Revenues": "155,106", "Policyholder Benefits and Claims": "982,118", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,416,598", "Premiums Receivable": "414,105", "Reinsurance Payable": "0", "Reinsurance Recoverables": "429,079", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "823,596"}, "output_variables": {"Assets": "5,231,772", "Liabilities": "4,160,663", "Expenses": "1,495,300", "Revenues": "1,564,621", "Stockholders Equity": "1,071,109", "Net Income": "65,541", "Comprehensive Net Income": "65,541", "BaseVar": "51,257,023", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "84%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "96,174", "Claims Reserve and LAE": "3,144,924", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "214,069", "General and Administrative Expense": "26,425", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "2,240", "Investments": "4,112,421", "Liabilities Current": "0", "Long Term Debt": "307,360", "Other Assets": "130,021", "Other Compr. Net Income": "35,270", "Other Expenses": "475,548", "Other Liabilities": "267,866", "Other Net Income": "-650", "Other Revenues": "155,922", "Policyholder Benefits and Claims": "1,074,987", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,439,313", "Premiums Receivable": "466,294", "Reinsurance Payable": "0", "Reinsurance Recoverables": "709,541", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "906,991"}, "output_variables": {"Assets": "5,736,369", "Liabilities": "4,627,141", "Expenses": "1,576,960", "Revenues": "1,597,475", "Stockholders Equity": "1,109,228", "Net Income": "19,865", "Comprehensive Net Income": "37,500", "BaseVar": "86,251,326", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "84%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "104,792", "Claims Reserve and LAE": "4,068,941", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "155,523", "General and Administrative Expense": "30,462", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "8,988", "Investments": "4,330,019", "Liabilities Current": "0", "Long Term Debt": "307,387", "Other Assets": "157,899", "Other Compr. Net Income": "11,746", "Other Expenses": "544,687", "Other Liabilities": "352,590", "Other Net Income": "0", "Other Revenues": "140,995", "Policyholder Benefits and Claims": "1,120,990", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,584,119", "Premiums Receivable": "484,388", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,553,746", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "974,706"}, "output_variables": {"Assets": "6,794,216", "Liabilities": "5,703,624", "Expenses": "1,696,139", "Revenues": "1,734,102", "Stockholders Equity": "1,090,592", "Net Income": "37,963", "Comprehensive Net Income": "43,836", "BaseVar": "106,306,682", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "83%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "126,561", "Claims Reserve and LAE": "3,349,770", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "172,981", "General and Administrative Expense": "36,645", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "29,021", "Investments": "4,583,312", "Liabilities Current": "0", "Long Term Debt": "392,414", "Other Assets": "711,597", "Other Compr. Net Income": "-32,467", "Other Expenses": "638,456", "Other Liabilities": "314,903", "Other Net Income": "-695", "Other Revenues": "146,943", "Policyholder Benefits and Claims": "1,121,819", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,740,504", "Premiums Receivable": "524,870", "Reinsurance Payable": "0", "Reinsurance Recoverables": "143,000", "Revenues Y+1": "1,912,949", "Revenues Y+2": "1,915,112", "Revenues Y+3": "1,915,966", "Revenues Y+4": "1,916,321", "Revenues Y+5": "1,916,469", "Separate Account Asset": "0", "Unearned Premiums": "1,059,155"}, "output_variables": {"Assets": "6,270,170", "Liabilities": "5,116,242", "Expenses": "1,796,919", "Revenues": "1,916,469", "Stockholders Equity": "1,153,928", "Net Income": "118,854", "Comprehensive Net Income": "102,621", "BaseVar": "70,288,896", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "132,631", "Claims Reserve and LAE": "3,477,870", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "185,608", "General and Administrative Expense": "33,369", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "886,265", "Investments": "4,806,834", "Liabilities Current": "0", "Long Term Debt": "379,297", "Other Assets": "161,309", "Other Compr. Net Income": "-9,830", "Other Expenses": "703,068", "Other Liabilities": "352,978", "Other Net Income": "-314", "Other Revenues": "20,817", "Policyholder Benefits and Claims": "1,161,385", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,857,043", "Premiums Receivable": "558,778", "Reinsurance Payable": "0", "Reinsurance Recoverables": "728,541", "Revenues Y+1": "2,187,571", "Revenues Y+2": "2,331,924", "Revenues Y+3": "2,476,125", "Revenues Y+4": "2,620,189", "Revenues Y+5": "2,764,125", "Separate Account Asset": "0", "Unearned Premiums": "1,095,819"}, "output_variables": {"Assets": "6,581,550", "Liabilities": "5,305,964", "Expenses": "1,897,822", "Revenues": "2,764,125", "Stockholders Equity": "1,275,586", "Net Income": "865,988", "Comprehensive Net Income": "861,073", "BaseVar": "111,647,196", "ECR before LimitedLiability": "55%", "Economic Capital Ratio": "124%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "144,040", "Claims Reserve and LAE": "3,517,728", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "213,159", "General and Administrative Expense": "38,983", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "137,945", "Investments": "5,089,269", "Liabilities Current": "0", "Long Term Debt": "388,192", "Other Assets": "132,095", "Other Compr. Net Income": "-22,859", "Other Expenses": "782,083", "Other Liabilities": "430,762", "Other Net Income": "0", "Other Revenues": "7,343", "Policyholder Benefits and Claims": "1,147,573", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,996,253", "Premiums Receivable": "615,164", "Reinsurance Payable": "0", "Reinsurance Recoverables": "702,857", "Revenues Y+1": "2,141,698", "Revenues Y+2": "2,141,472", "Revenues Y+3": "2,141,546", "Revenues Y+4": "2,141,539", "Revenues Y+5": "2,141,540", "Separate Account Asset": "0", "Unearned Premiums": "1,169,710"}, "output_variables": {"Assets": "6,904,433", "Liabilities": "5,506,392", "Expenses": "1,968,639", "Revenues": "2,141,540", "Stockholders Equity": "1,398,041", "Net Income": "172,901", "Comprehensive Net Income": "161,471", "BaseVar": "98,460,716", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "95%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "183,110", "Claims Reserve and LAE": "3,691,719", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "222,564", "General and Administrative Expense": "43,772", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "126,668", "Investments": "5,364,947", "Liabilities Current": "0", "Long Term Debt": "438,667", "Other Assets": "127,948", "Other Compr. Net Income": "-64,208", "Other Expenses": "786,830", "Other Liabilities": "431,273", "Other Net Income": "0", "Other Revenues": "8,898", "Policyholder Benefits and Claims": "1,244,032", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,158,736", "Premiums Receivable": "681,611", "Reinsurance Payable": "0", "Reinsurance Recoverables": "767,819", "Revenues Y+1": "2,293,897", "Revenues Y+2": "2,294,265", "Revenues Y+3": "2,294,302", "Revenues Y+4": "2,294,302", "Revenues Y+5": "2,294,302", "Separate Account Asset": "0", "Unearned Premiums": "1,262,819"}, "output_variables": {"Assets": "7,355,848", "Liabilities": "5,824,478", "Expenses": "2,074,633", "Revenues": "2,294,302", "Stockholders Equity": "1,531,370", "Net Income": "219,669", "Comprehensive Net Income": "187,565", "BaseVar": "95,609,102", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 765685000.0, "future_profits": 644531522.6067351, "valuation_correction": -27912.462895419183, "limited_liability_put_option": 4919133475.569925, "fair_value": 6329322085.713765, "market_value": 2179014042.789459}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000230557.svg", "value": 0.8464369880768524, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000230557.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000230557.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000230557.svg"}, {"company_id": "0000944695", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000944695.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Hanover Insurance Group Inc", "rank": 45, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Hanover Insurance Group Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Hanover Insurance Group Inc is the variable Assets, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 8.6% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000944695_2017_Hanover_Insurance_Group_Inc.pdf", "shrinked_graph_json": {"2010": {"Assets": "-17.4", "Liabilities": "13.6", "Stockholders Equity": "-2.40", "ECR before LimitedLiability": "0.463", "Assets, Current": "-0.634", "Investments": "-10.1", "Intangible Assets": "-0.344", "Separate Account Asset": "-5.55", "Premiums Receivable": "1.68", "Reinsurance Recoverables": "4.45", "Other Assets": "-9.01", "Liabilities Current": "0.616", "Other Liabilities": "13.8", "Unearned Premiums": "-5.40", "Long Term Debt": "-2.45", "Policyholder Contract Deposits": "10.1", "Claims Reserve and LAE": "-12.9", "Economic Capital Ratio": "0.573", "Deferred Acquisition Costs Amortization": "0.246", "Premiums Earned": "-0.401", "Other Revenues": "0.306"}, "2011": {"Reinsurance Recoverables": "5.91", "Assets": "-13.0", "Liabilities": "9.02", "Stockholders Equity": "-5.74", "ECR before LimitedLiability": "-5.82", "Assets, Non-Current": "0.239", "Other Assets": "-6.93", "Separate Account Asset": "-5.04", "Assets, Current": "1.07", "Premiums Receivable": "1.92", "Investments": "-9.81", "Liabilities Current": "0.341", "Long Term Debt": "-2.28", "Other Liabilities": "-3.15", "Unearned Premiums": "-2.84", "Policyholder Contract Deposits": "8.06", "Claims Reserve and LAE": "9.02", "Reinsurance Payable": "-1.11", "Economic Capital Ratio": "-5.66", "Other Revenues": "0.221", "Premiums Earned": "-0.271"}, "2012": {"Assets, Current": "-0.688", "Assets": "-16.0", "Liabilities": "8.95", "Stockholders Equity": "-6.67", "ECR before LimitedLiability": "-5.91", "Separate Account Asset": "-5.63", "Other Assets": "-6.19", "Deferred Policy Acquisition Costs": "0.322", "Intangible Assets": "-0.339", "Reinsurance Recoverables": "5.96", "Assets, Non-Current": "0.268", "Investments": "-12.2", "Premiums Receivable": "1.97", "Reinsurance Payable": "-1.28", "Other Liabilities": "-1.99", "Claims Reserve and LAE": "8.89", "Unearned Premiums": "-1.97", "Long Term Debt": "-1.50", "Policyholder Contract Deposits": "8.85", "Liabilities Current": "0.452", "Economic Capital Ratio": "-5.74"}, "2013": {"Intangible Assets": "-0.376", "Assets": "-18.4", "Liabilities": "8.10", "Stockholders Equity": "-8.14", "ECR before LimitedLiability": "-6.22", "Assets, Current": "-1.44", "Reinsurance Recoverables": "5.84", "Separate Account Asset": "-6.24", "Investments": "-10.4", "Assets, Non-Current": "0.322", "Other Assets": "-9.92", "Premiums Receivable": "1.64", "Liabilities Current": "0.474", "Long Term Debt": "-0.971", "Unearned Premiums": "-2.24", "Reinsurance Payable": "-0.952", "Claims Reserve and LAE": "8.02", "Other Liabilities": "-3.49", "Policyholder Contract Deposits": "7.88", "Economic Capital Ratio": "-5.98", "Premiums Earned": "-0.407"}, "2014": {"Investments": "-6.56", "Assets": "-17.5", "Liabilities": "9.22", "Stockholders Equity": "-13.4", "ECR before LimitedLiability": "-8.69", "Other Assets": "-12.6", "Separate Account Asset": "-3.17", "Assets, Current": "-3.38", "Intangible Assets": "-0.467", "Deferred Policy Acquisition Costs": "0.450", "Premiums Receivable": "1.48", "Reinsurance Recoverables": "5.29", "Other Liabilities": "9.32", "Long Term Debt": "-1.02", "Policyholder Contract Deposits": "2.84", "Reinsurance Payable": "0.482", "Unearned Premiums": "-1.66", "Claims Reserve and LAE": "-7.23", "Liabilities Current": "0.619", "Economic Capital Ratio": "-8.32", "Premiums Earned": "-0.292"}, "2015": {"Separate Account Asset": "-2.77", "Assets": "-17.6", "Liabilities": "9.19", "Stockholders Equity": "-12.6", "ECR before LimitedLiability": "-8.39", "Other Assets": "-11.6", "Assets, Current": "-2.51", "Premiums Receivable": "1.54", "Assets, Non-Current": "-0.293", "Investments": "-10.1", "Reinsurance Recoverables": "7.22", "Intangible Assets": "-0.195", "Policyholder Contract Deposits": "5.39", "Other Liabilities": "9.19", "Claims Reserve and LAE": "-4.78", "Reinsurance Payable": "0.537", "Unearned Premiums": "-1.62", "Liabilities Current": "0.580", "Economic Capital Ratio": "-8.10", "Other Revenues": "0.222", "Premiums Earned": "-0.254"}, "2016": {"Assets, Current": "-2.25", "Assets": "-14.8", "Liabilities": "8.63", "Stockholders Equity": "-12.0", "ECR before LimitedLiability": "-8.80", "Reinsurance Recoverables": "6.50", "Intangible Assets": "-0.504", "Premiums Receivable": "1.50", "Deferred Policy Acquisition Costs": "0.243", "Investments": "-8.42", "Separate Account Asset": "-1.09", "Other Assets": "-10.7", "Assets, Non-Current": "-0.246", "Unearned Premiums": "-1.61", "Policyholder Contract Deposits": "2.61", "Long Term Debt": "1.07", "Liabilities Current": "0.580", "Other Liabilities": "8.64", "Claims Reserve and LAE": "-4.82", "Economic Capital Ratio": "-8.56", "Other Revenues": "0.226"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000944695_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "290,400", "Assets, Non-Current": "398,100", "Claims Reserve and LAE": "4,798,000", "Deferred Acquisition Costs Amortization": "669,000", "Deferred Policy Acquisition Costs": "345,300", "General and Administrative Expense": "413,800", "Insurance Commissions and Fees": "0", "Intangible Assets": "179,200", "Investment Income": "290,800", "Investments": "4,965,900", "Liabilities Current": "0", "Long Term Debt": "605,900", "Other Assets": "364,800", "Other Compr. Net Income": "107,900", "Other Expenses": "59,900", "Other Liabilities": "-849,200", "Other Net Income": "1,900", "Other Revenues": "20,400", "Policyholder Benefits and Claims": "1,856,300", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,841,000", "Premiums Receivable": "772,000", "Reinsurance Payable": "34,400", "Reinsurance Recoverables": "1,254,200", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,520,300"}, "output_variables": {"Assets": "8,569,900", "Liabilities": "6,109,400", "Expenses": "2,999,000", "Revenues": "3,152,200", "Stockholders Equity": "2,460,500", "Net Income": "155,100", "Comprehensive Net Income": "209,050", "BaseVar": "102,491,626", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2011": {"input_variables": {"Assets, Current": "820,400", "Assets, Non-Current": "515,500", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "854,000", "Deferred Policy Acquisition Costs": "498,400", "General and Administrative Expense": "447,200", "Insurance Commissions and Fees": "0", "Intangible Assets": "185,500", "Investment Income": "258,200", "Investments": "6,721,300", "Liabilities Current": "0", "Long Term Debt": "911,100", "Other Assets": "453,000", "Other Compr. Net Income": "73,700", "Other Expenses": "47,700", "Other Liabilities": "6,532,500", "Other Net Income": "5,200", "Other Revenues": "74,800", "Policyholder Benefits and Claims": "2,550,800", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,598,600", "Premiums Receivable": "1,168,100", "Reinsurance Payable": "378,900", "Reinsurance Recoverables": "2,262,200", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,292,100"}, "output_variables": {"Assets": "12,624,400", "Liabilities": "10,114,600", "Expenses": "3,899,700", "Revenues": "3,931,600", "Stockholders Equity": "2,509,800", "Net Income": "37,100", "Comprehensive Net Income": "73,950", "BaseVar": "211,122,025", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "85%"}}, "2012": {"input_variables": {"Assets, Current": "564,800", "Assets, Non-Current": "511,800", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "938,100", "Deferred Policy Acquisition Costs": "489,500", "General and Administrative Expense": "587,600", "Insurance Commissions and Fees": "0", "Intangible Assets": "184,900", "Investment Income": "308,000", "Investments": "7,478,300", "Liabilities Current": "0", "Long Term Debt": "849,400", "Other Assets": "467,100", "Other Compr. Net Income": "115,400", "Other Expenses": "44,500", "Other Liabilities": "7,099,100", "Other Net Income": "9,800", "Other Revenues": "43,600", "Policyholder Benefits and Claims": "2,974,400", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,239,100", "Premiums Receivable": "1,308,800", "Reinsurance Payable": "466,200", "Reinsurance Recoverables": "2,479,700", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,474,800"}, "output_variables": {"Assets": "13,484,900", "Liabilities": "10,889,500", "Expenses": "4,544,600", "Revenues": "4,590,700", "Stockholders Equity": "2,595,400", "Net Income": "55,900", "Comprehensive Net Income": "113,600", "BaseVar": "281,387,781", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "84%"}}, "2013": {"input_variables": {"Assets, Current": "486,200", "Assets, Non-Current": "526,100", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "984,453", "Deferred Policy Acquisition Costs": "506,000", "General and Administrative Expense": "681,752", "Insurance Commissions and Fees": "0", "Intangible Assets": "184,900", "Investment Income": "308,444", "Investments": "7,593,300", "Liabilities Current": "0", "Long Term Debt": "903,900", "Other Assets": "422,600", "Other Compr. Net Income": "114,167", "Other Expenses": "126,284", "Other Liabilities": "6,989,800", "Other Net Income": "5,203", "Other Revenues": "35,292", "Policyholder Benefits and Claims": "2,640,067", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,543,559", "Premiums Receivable": "1,324,600", "Reinsurance Payable": "374,700", "Reinsurance Recoverables": "2,335,000", "Revenues Y+1": "4,859,007", "Revenues Y+2": "4,878,794", "Revenues Y+3": "4,884,867", "Revenues Y+4": "4,886,726", "Revenues Y+5": "4,887,295", "Separate Account Asset": "0", "Unearned Premiums": "2,515,800"}, "output_variables": {"Assets": "13,378,700", "Liabilities": "10,784,200", "Expenses": "4,432,556", "Revenues": "4,887,295", "Stockholders Equity": "2,594,500", "Net Income": "459,942", "Comprehensive Net Income": "517,026", "BaseVar": "174,826,660", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2014": {"input_variables": {"Assets, Current": "373,300", "Assets, Non-Current": "486,600", "Claims Reserve and LAE": "6,391,700", "Deferred Acquisition Costs Amortization": "1,068,760", "Deferred Policy Acquisition Costs": "525,700", "General and Administrative Expense": "655,146", "Insurance Commissions and Fees": "0", "Intangible Assets": "184,600", "Investment Income": "323,958", "Investments": "8,250,300", "Liabilities Current": "0", "Long Term Debt": "903,500", "Other Assets": "310,100", "Other Compr. Net Income": "-64,460", "Other Expenses": "161,109", "Other Liabilities": "809,800", "Other Net Income": "-5,046", "Other Revenues": "31,597", "Policyholder Benefits and Claims": "3,016,998", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,827,096", "Premiums Receivable": "1,360,900", "Reinsurance Payable": "226,800", "Reinsurance Recoverables": "2,268,200", "Revenues Y+1": "5,146,358", "Revenues Y+2": "5,171,708", "Revenues Y+3": "5,179,471", "Revenues Y+4": "5,181,898", "Revenues Y+5": "5,182,651", "Separate Account Asset": "0", "Unearned Premiums": "2,583,900"}, "output_variables": {"Assets": "13,759,700", "Liabilities": "10,915,700", "Expenses": "4,902,013", "Revenues": "5,182,651", "Stockholders Equity": "2,844,000", "Net Income": "275,591", "Comprehensive Net Income": "243,361", "BaseVar": "242,070,057", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "96%"}}, "2015": {"input_variables": {"Assets, Current": "338,800", "Assets, Non-Current": "493,400", "Claims Reserve and LAE": "6,574,400", "Deferred Acquisition Costs Amortization": "1,030,417", "Deferred Policy Acquisition Costs": "508,800", "General and Administrative Expense": "655,379", "Insurance Commissions and Fees": "0", "Intangible Assets": "186,000", "Investment Income": "325,456", "Investments": "7,953,400", "Liabilities Current": "0", "Long Term Debt": "812,800", "Other Assets": "283,800", "Other Compr. Net Income": "-39,951", "Other Expenses": "130,562", "Other Liabilities": "813,300", "Other Net Income": "1,004", "Other Revenues": "4,929", "Policyholder Benefits and Claims": "2,861,163", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,702,355", "Premiums Receivable": "1,391,700", "Reinsurance Payable": "205,200", "Reinsurance Recoverables": "2,635,000", "Revenues Y+1": "5,033,544", "Revenues Y+2": "5,032,963", "Revenues Y+3": "5,032,805", "Revenues Y+4": "5,032,755", "Revenues Y+5": "5,032,740", "Separate Account Asset": "0", "Unearned Premiums": "2,540,800"}, "output_variables": {"Assets": "13,790,900", "Liabilities": "10,946,500", "Expenses": "4,677,520", "Revenues": "5,032,740", "Stockholders Equity": "2,844,400", "Net Income": "356,224", "Comprehensive Net Income": "336,249", "BaseVar": "230,029,752", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}, "2016": {"input_variables": {"Assets, Current": "282,600", "Assets, Non-Current": "479,800", "Claims Reserve and LAE": "6,949,400", "Deferred Acquisition Costs Amortization": "1,036,018", "Deferred Policy Acquisition Costs": "517,500", "General and Administrative Expense": "603,975", "Insurance Commissions and Fees": "0", "Intangible Assets": "184,800", "Investment Income": "316,957", "Investments": "8,449,500", "Liabilities Current": "0", "Long Term Debt": "786,400", "Other Assets": "256,300", "Other Compr. Net Income": "-94,925", "Other Expenses": "173,868", "Other Liabilities": "814,200", "Other Net Income": "-1,455", "Other Revenues": "1,850", "Policyholder Benefits and Claims": "3,007,114", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,594,000", "Premiums Receivable": "1,438,100", "Reinsurance Payable": "251,900", "Reinsurance Recoverables": "2,611,800", "Revenues Y+1": "4,923,390", "Revenues Y+2": "4,915,947", "Revenues Y+3": "4,913,717", "Revenues Y+4": "4,913,021", "Revenues Y+5": "4,912,807", "Separate Account Asset": "0", "Unearned Premiums": "2,561,000"}, "output_variables": {"Assets": "14,220,400", "Liabilities": "11,362,900", "Expenses": "4,820,975", "Revenues": "4,912,807", "Stockholders Equity": "2,857,500", "Net Income": "90,377", "Comprehensive Net Income": "42,915", "BaseVar": "210,184,469", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 1428750000.0, "future_profits": 1115031159.3645563, "valuation_correction": 644067.0012229149, "limited_liability_put_option": 9564704361.671782, "fair_value": 12109129588.037561, "market_value": 2952511740.934471}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000944695.svg", "value": 0.8423577040040141, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000944695.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000944695.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000944695.svg"}, {"company_id": "0000899051", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000899051.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Allstate CORP", "rank": 46, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Allstate CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of Allstate CORP is the variable Assets, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 9.3% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000899051_2017_Allstate_CORP.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-0.761", "Assets": "-5.61", "Liabilities": "3.49", "Stockholders Equity": "-3.07", "ECR before LimitedLiability": "-7.69", "Other Assets": "-4.32", "Assets, Current": "-1.48", "Reinsurance Recoverables": "0.852", "Separate Account Asset": "-5.49", "Investments": "3.67", "Intangible Assets": "-0.711", "Deferred Policy Acquisition Costs": "0.176", "Claims Reserve and LAE": "-0.875", "Other Liabilities": "3.92", "Unearned Premiums": "-2.02", "Long Term Debt": "-0.375", "Reinsurance Payable": "0.255", "Liabilities Current": "0.735", "Policyholder Contract Deposits": "-12.5", "Economic Capital Ratio": "-7.51", "Other Revenues": "0.185"}, "2010": {"Deferred Policy Acquisition Costs": "0.378", "Assets": "-2.58", "Liabilities": "-1.75", "Stockholders Equity": "-4.45", "ECR before LimitedLiability": "-7.91", "Assets, Current": "-1.59", "Investments": "4.97", "Intangible Assets": "-0.636", "Assets, Non-Current": "-0.631", "Separate Account Asset": "-1.23", "Reinsurance Recoverables": "0.558", "Other Assets": "-7.53", "Liabilities Current": "0.381", "Reinsurance Payable": "0.269", "Other Liabilities": "5.12", "Unearned Premiums": "-0.445", "Long Term Debt": "-1.27", "Policyholder Contract Deposits": "-20.6", "Claims Reserve and LAE": "0.540", "Economic Capital Ratio": "-7.80", "Other Revenues": "0.252"}, "2011": {"Reinsurance Recoverables": "0.201", "Assets": "-5.10", "Liabilities": "0.306", "Stockholders Equity": "-5.59", "ECR before LimitedLiability": "-8.72", "Intangible Assets": "-0.292", "Assets, Non-Current": "-0.294", "Other Assets": "-6.52", "Separate Account Asset": "-1.86", "Assets, Current": "-1.69", "Premiums Receivable": "-0.246", "Deferred Policy Acquisition Costs": "0.207", "Investments": "6.10", "Liabilities Current": "0.272", "Long Term Debt": "-1.06", "Other Liabilities": "6.32", "Unearned Premiums": "1.80", "Policyholder Contract Deposits": "-17.4", "Claims Reserve and LAE": "-4.96", "Reinsurance Payable": "0.541", "Economic Capital Ratio": "-8.56"}, "2012": {"Assets, Current": "-2.02", "Assets": "-4.24", "Liabilities": "0.665", "Stockholders Equity": "-4.27", "ECR before LimitedLiability": "-7.69", "Separate Account Asset": "-2.15", "Other Assets": "-5.46", "Deferred Policy Acquisition Costs": "0.289", "Intangible Assets": "-0.295", "Reinsurance Recoverables": "0.832", "Assets, Non-Current": "-0.129", "Investments": "5.56", "Premiums Receivable": "-0.172", "Reinsurance Payable": "0.566", "Other Liabilities": "7.22", "Claims Reserve and LAE": "-5.60", "Unearned Premiums": "1.87", "Long Term Debt": "-1.09", "Policyholder Contract Deposits": "-15.2", "Liabilities Current": "0.337", "Economic Capital Ratio": "-7.52"}, "2013": {"Intangible Assets": "-0.330", "Assets": "-7.86", "Liabilities": "4.72", "Stockholders Equity": "-5.16", "ECR before LimitedLiability": "-7.40", "Assets, Current": "-2.44", "Reinsurance Recoverables": "0.666", "Separate Account Asset": "-3.25", "Investments": "0.792", "Other Assets": "-3.46", "Premiums Receivable": "-0.415", "Liabilities Current": "0.363", "Long Term Debt": "-0.597", "Unearned Premiums": "1.67", "Reinsurance Payable": "0.543", "Claims Reserve and LAE": "-1.93", "Other Liabilities": "6.72", "Policyholder Contract Deposits": "-6.55", "Economic Capital Ratio": "-7.16", "Other Revenues": "-1.61", "Premiums Earned": "0.718"}, "2014": {"Investments": "4.30", "Assets": "-12.3", "Liabilities": "6.21", "Stockholders Equity": "-10.6", "ECR before LimitedLiability": "-8.76", "Other Assets": "-11.6", "Separate Account Asset": "-0.989", "Assets, Current": "-4.02", "Intangible Assets": "-0.439", "Deferred Policy Acquisition Costs": "0.341", "Premiums Receivable": "-0.466", "Reinsurance Recoverables": "1.18", "Other Liabilities": "9.18", "Policyholder Contract Deposits": "-13.4", "Reinsurance Payable": "1.28", "Unearned Premiums": "1.99", "Claims Reserve and LAE": "-1.06", "Liabilities Current": "0.545", "Economic Capital Ratio": "-8.40", "Other Revenues": "-1.19", "Premiums Earned": "0.546"}, "2015": {"Separate Account Asset": "-1.05", "Assets": "-15.3", "Liabilities": "8.29", "Stockholders Equity": "-12.0", "ECR before LimitedLiability": "-9.25", "Other Assets": "-11.4", "Assets, Current": "-3.40", "Premiums Receivable": "-0.578", "Assets, Non-Current": "-0.501", "Investments": "-1.58", "Deferred Policy Acquisition Costs": "0.214", "Reinsurance Recoverables": "1.54", "Intangible Assets": "-0.235", "Policyholder Contract Deposits": "-9.42", "Long Term Debt": "0.306", "Other Liabilities": "8.32", "Claims Reserve and LAE": "1.81", "Reinsurance Payable": "1.31", "Unearned Premiums": "1.84", "Liabilities Current": "0.540", "Economic Capital Ratio": "-8.97"}, "2016": {"Assets, Current": "-3.04", "Assets": "-13.4", "Liabilities": "6.52", "Stockholders Equity": "-11.7", "ECR before LimitedLiability": "-9.49", "Reinsurance Recoverables": "1.17", "Intangible Assets": "-0.550", "Premiums Receivable": "-0.772", "Deferred Policy Acquisition Costs": "0.299", "Investments": "-0.605", "Separate Account Asset": "0.422", "Other Assets": "-10.7", "Assets, Non-Current": "-0.514", "Unearned Premiums": "1.85", "Policyholder Contract Deposits": "-11.1", "Long Term Debt": "0.726", "Liabilities Current": "0.554", "Other Liabilities": "7.95", "Claims Reserve and LAE": "2.90", "Reinsurance Payable": "0.918", "Economic Capital Ratio": "-9.25"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000899051_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,862,000", "Claims Reserve and LAE": "32,077,000", "Deferred Acquisition Costs Amortization": "4,754,000", "Deferred Policy Acquisition Costs": "5,470,000", "General and Administrative Expense": "3,007,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "875,000", "Investment Income": "3,861,000", "Investments": "99,833,000", "Liabilities Current": "0", "Long Term Debt": "5,910,000", "Other Assets": "3,346,000", "Other Compr. Net Income": "3,273,000", "Other Expenses": "4,659,000", "Other Liabilities": "6,468,000", "Other Net Income": "7,000", "Other Revenues": "1,958,000", "Policyholder Benefits and Claims": "18,746,000", "Policyholder Contract Deposits": "61,654,000", "Premiums Earned": "26,194,000", "Premiums Receivable": "4,839,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "6,355,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "9,072,000", "Unearned Premiums": "9,822,000"}, "output_variables": {"Assets": "132,652,000", "Liabilities": "115,931,000", "Expenses": "31,166,000", "Revenues": "32,013,000", "Stockholders Equity": "16,721,000", "Net Income": "854,000", "Comprehensive Net Income": "2,490,500", "BaseVar": "1,049,904,313", "ECR before LimitedLiability": "3.7%", "Economic Capital Ratio": "79%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,526,000", "Claims Reserve and LAE": "32,950,000", "Deferred Acquisition Costs Amortization": "4,034,000", "Deferred Policy Acquisition Costs": "4,769,000", "General and Administrative Expense": "3,281,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "874,000", "Investment Income": "3,275,000", "Investments": "100,483,000", "Liabilities Current": "0", "Long Term Debt": "5,908,000", "Other Assets": "2,155,000", "Other Compr. Net Income": "1,902,000", "Other Expenses": "4,217,000", "Other Liabilities": "6,301,000", "Other Net Income": "11,000", "Other Revenues": "2,168,000", "Policyholder Benefits and Claims": "18,951,000", "Policyholder Contract Deposits": "56,871,000", "Premiums Earned": "25,957,000", "Premiums Receivable": "4,839,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "6,552,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "8,676,000", "Unearned Premiums": "9,800,000"}, "output_variables": {"Assets": "130,874,000", "Liabilities": "111,830,000", "Expenses": "30,483,000", "Revenues": "31,400,000", "Stockholders Equity": "19,044,000", "Net Income": "928,000", "Comprehensive Net Income": "1,879,000", "BaseVar": "1,090,896,073", "ECR before LimitedLiability": "5.0%", "Economic Capital Ratio": "81%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,983,000", "Claims Reserve and LAE": "34,824,000", "Deferred Acquisition Costs Amortization": "4,233,000", "Deferred Policy Acquisition Costs": "4,443,000", "General and Administrative Expense": "3,468,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,242,000", "Investment Income": "4,474,000", "Investments": "95,618,000", "Liabilities Current": "0", "Long Term Debt": "5,908,000", "Other Assets": "2,122,000", "Other Compr. Net Income": "177,000", "Other Expenses": "3,989,000", "Other Liabilities": "6,756,000", "Other Net Income": "-15,000", "Other Revenues": "2,238,000", "Policyholder Benefits and Claims": "20,161,000", "Policyholder Contract Deposits": "49,316,000", "Premiums Earned": "25,942,000", "Premiums Receivable": "4,920,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "7,251,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "6,984,000", "Unearned Premiums": "10,057,000"}, "output_variables": {"Assets": "125,563,000", "Liabilities": "106,861,000", "Expenses": "31,851,000", "Revenues": "32,654,000", "Stockholders Equity": "18,702,000", "Net Income": "788,000", "Comprehensive Net Income": "876,500", "BaseVar": "1,749,974,626", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "82%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,793,000", "Claims Reserve and LAE": "36,183,000", "Deferred Acquisition Costs Amortization": "3,931,358", "Deferred Policy Acquisition Costs": "3,621,000", "General and Administrative Expense": "4,197,442", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,240,000", "Investment Income": "4,358,638", "Investments": "97,278,000", "Liabilities Current": "0", "Long Term Debt": "6,057,000", "Other Assets": "1,587,000", "Other Compr. Net Income": "955,970", "Other Expenses": "4,493,137", "Other Liabilities": "7,823,000", "Other Net Income": "-14,952", "Other Revenues": "2,241,370", "Policyholder Benefits and Claims": "18,474,137", "Policyholder Contract Deposits": "45,929,000", "Premiums Earned": "26,729,865", "Premiums Receivable": "5,051,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "8,767,000", "Revenues Y+1": "33,333,820", "Revenues Y+2": "33,329,104", "Revenues Y+3": "33,330,011", "Revenues Y+4": "33,329,842", "Revenues Y+5": "33,329,873", "Separate Account Asset": "6,610,000", "Unearned Premiums": "10,375,000"}, "output_variables": {"Assets": "126,947,000", "Liabilities": "106,367,000", "Expenses": "31,096,074", "Revenues": "33,329,873", "Stockholders Equity": "20,580,000", "Net Income": "2,218,848", "Comprehensive Net Income": "2,696,833", "BaseVar": "2,017,728,786", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,961,000", "Claims Reserve and LAE": "34,243,000", "Deferred Acquisition Costs Amortization": "3,985,904", "Deferred Policy Acquisition Costs": "3,372,000", "General and Administrative Expense": "4,424,505", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,243,000", "Investment Income": "571,615", "Investments": "81,155,000", "Liabilities Current": "0", "Long Term Debt": "6,201,000", "Other Assets": "16,892,000", "Other Compr. Net Income": "169,529", "Other Expenses": "5,189,501", "Other Liabilities": "21,321,000", "Other Net Income": "15,370", "Other Revenues": "39,707,041", "Policyholder Benefits and Claims": "17,906,087", "Policyholder Contract Deposits": "29,343,000", "Premiums Earned": "1,028,255", "Premiums Receivable": "5,237,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "7,621,000", "Revenues Y+1": "40,713,219", "Revenues Y+2": "41,192,133", "Revenues Y+3": "41,295,292", "Revenues Y+4": "41,304,897", "Revenues Y+5": "41,306,911", "Separate Account Asset": "5,039,000", "Unearned Premiums": "10,932,000"}, "output_variables": {"Assets": "123,520,000", "Liabilities": "102,040,000", "Expenses": "31,505,997", "Revenues": "41,306,911", "Stockholders Equity": "21,480,000", "Net Income": "9,816,285", "Comprehensive Net Income": "9,901,050", "BaseVar": "1,371,362,888", "ECR before LimitedLiability": "39%", "Economic Capital Ratio": "111%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,077,000", "Claims Reserve and LAE": "35,303,000", "Deferred Acquisition Costs Amortization": "4,116,934", "Deferred Policy Acquisition Costs": "3,525,000", "General and Administrative Expense": "4,334,718", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,219,000", "Investment Income": "0", "Investments": "81,113,000", "Liabilities Current": "0", "Long Term Debt": "5,194,000", "Other Assets": "1,248,000", "Other Compr. Net Income": "-413,197", "Other Expenses": "4,486,344", "Other Liabilities": "7,152,000", "Other Net Income": "-555,651", "Other Revenues": "35,256,323", "Policyholder Benefits and Claims": "19,437,231", "Policyholder Contract Deposits": "26,925,000", "Premiums Earned": "0", "Premiums Receivable": "5,465,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "8,490,000", "Revenues Y+1": "35,255,923", "Revenues Y+2": "35,256,314", "Revenues Y+3": "35,256,323", "Revenues Y+4": "35,256,323", "Revenues Y+5": "35,256,323", "Separate Account Asset": "4,396,000", "Unearned Premiums": "11,655,000"}, "output_variables": {"Assets": "108,533,000", "Liabilities": "86,229,000", "Expenses": "32,375,227", "Revenues": "35,256,323", "Stockholders Equity": "22,304,000", "Net Income": "2,325,445", "Comprehensive Net Income": "2,118,847", "BaseVar": "1,649,426,208", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "95%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,034,000", "Claims Reserve and LAE": "36,116,000", "Deferred Acquisition Costs Amortization": "4,333,139", "Deferred Policy Acquisition Costs": "3,861,000", "General and Administrative Expense": "4,045,083", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,219,000", "Investment Income": "2,973,742", "Investments": "77,758,000", "Liabilities Current": "0", "Long Term Debt": "5,124,000", "Other Assets": "1,064,000", "Other Compr. Net Income": "-1,158,103", "Other Expenses": "4,036,991", "Other Liabilities": "6,236,000", "Other Net Income": "-22,094", "Other Revenues": "2,160,174", "Policyholder Benefits and Claims": "21,054,845", "Policyholder Contract Deposits": "24,953,000", "Premiums Earned": "29,726,537", "Premiums Receivable": "5,544,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "8,518,000", "Revenues Y+1": "34,833,891", "Revenues Y+2": "34,861,759", "Revenues Y+3": "34,860,372", "Revenues Y+4": "34,860,460", "Revenues Y+5": "34,860,454", "Separate Account Asset": "3,658,000", "Unearned Premiums": "12,202,000"}, "output_variables": {"Assets": "104,656,000", "Liabilities": "84,631,000", "Expenses": "33,470,058", "Revenues": "34,860,454", "Stockholders Equity": "20,025,000", "Net Income": "1,368,301", "Comprehensive Net Income": "789,250", "BaseVar": "1,646,221,824", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,900,000", "Claims Reserve and LAE": "37,489,000", "Deferred Acquisition Costs Amortization": "4,525,237", "Deferred Policy Acquisition Costs": "3,954,000", "General and Administrative Expense": "4,109,405", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,219,000", "Investment Income": "2,967,683", "Investments": "81,799,000", "Liabilities Current": "0", "Long Term Debt": "6,347,000", "Other Assets": "1,003,000", "Other Compr. Net Income": "-42,266", "Other Expenses": "3,801,084", "Other Liabilities": "7,965,000", "Other Net Income": "4,352", "Other Revenues": "2,274,785", "Policyholder Benefits and Claims": "22,242,761", "Policyholder Contract Deposits": "23,653,000", "Premiums Earned": "31,308,200", "Premiums Receivable": "5,597,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "8,745,000", "Revenues Y+1": "36,551,794", "Revenues Y+2": "36,550,588", "Revenues Y+3": "36,550,675", "Revenues Y+4": "36,550,668", "Revenues Y+5": "36,550,669", "Separate Account Asset": "3,393,000", "Unearned Premiums": "12,583,000"}, "output_variables": {"Assets": "108,610,000", "Liabilities": "88,037,000", "Expenses": "34,678,487", "Revenues": "36,550,669", "Stockholders Equity": "20,573,000", "Net Income": "1,876,533", "Comprehensive Net Income": "1,855,400", "BaseVar": "1,529,563,946", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "94%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 10286500000.0, "future_profits": 8896207957.67926, "valuation_correction": 72300.38535589057, "limited_liability_put_option": 73550234626.17155, "fair_value": 92733014884.23618, "market_value": 22187414644.83982}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000899051.svg", "value": 0.8354566028841088, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000899051.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000899051.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000899051.svg"}, {"company_id": "0000005272", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000005272.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "American International Group INC", "rank": 47, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of American International Group INC compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of American International Group INC is the variable Liabilities, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 82%, being 11% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000005272_2017_American_International_Group_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "0.263", "Assets": "4.34", "Liabilities": "-21.0", "Stockholders Equity": "0.402", "ECR before LimitedLiability": "-7.59", "Other Assets": "1.18", "Assets, Current": "-0.883", "Reinsurance Recoverables": "0.410", "Separate Account Asset": "-2.05", "Investments": "4.37", "Premiums Receivable": "-0.140", "Intangible Assets": "-0.255", "Deferred Policy Acquisition Costs": "1.30", "Claims Reserve and LAE": "1.79", "Other Liabilities": "-12.1", "Long Term Debt": "1.22", "Liabilities Current": "0.430", "Policyholder Contract Deposits": "-11.4", "Premiums Earned": "0.394", "Revenues": "0.409", "Economic Capital Ratio": "-7.41"}, "2010": {"Deferred Policy Acquisition Costs": "0.352", "Assets": "7.64", "Liabilities": "-29.7", "Stockholders Equity": "2.77", "ECR before LimitedLiability": "-6.58", "Assets, Current": "-0.795", "Investments": "6.57", "Intangible Assets": "-0.381", "Assets, Non-Current": "2.36", "Separate Account Asset": "1.69", "Premiums Receivable": "0.203", "Reinsurance Recoverables": "0.913", "Other Assets": "4.07", "Other Liabilities": "-14.5", "Long Term Debt": "0.655", "Policyholder Contract Deposits": "-13.1", "Claims Reserve and LAE": "-0.219", "Economic Capital Ratio": "-6.47", "Premiums Earned": "0.193", "Investment Income": "-0.288", "Other Revenues": "0.207"}, "2011": {"Reinsurance Recoverables": "-1.11", "Assets": "10.7", "Liabilities": "-29.8", "Stockholders Equity": "4.96", "ECR before LimitedLiability": "-5.41", "Intangible Assets": "-0.335", "Assets, Non-Current": "0.469", "Other Assets": "1.02", "Separate Account Asset": "2.47", "Assets, Current": "-0.744", "Premiums Receivable": "0.326", "Deferred Policy Acquisition Costs": "0.546", "Investments": "10.3", "Long Term Debt": "0.751", "Other Liabilities": "-1.28", "Unearned Premiums": "0.450", "Policyholder Contract Deposits": "-18.8", "Claims Reserve and LAE": "-8.85", "Reinsurance Payable": "0.252", "Economic Capital Ratio": "-5.25", "Investment Income": "-0.162"}, "2012": {"Assets, Current": "-1.02", "Assets": "9.23", "Liabilities": "-27.4", "Stockholders Equity": "3.11", "ECR before LimitedLiability": "-6.49", "Separate Account Asset": "2.75", "Other Assets": "4.22", "Deferred Policy Acquisition Costs": "0.173", "Intangible Assets": "-0.380", "Reinsurance Recoverables": "-1.23", "Assets, Non-Current": "0.316", "Investments": "8.65", "Premiums Receivable": "0.180", "Reinsurance Payable": "0.288", "Other Liabilities": "-0.915", "Claims Reserve and LAE": "-8.05", "Unearned Premiums": "0.951", "Long Term Debt": "0.837", "Policyholder Contract Deposits": "-18.9", "Economic Capital Ratio": "-6.32", "Investment Income": "-0.199"}, "2013": {"Intangible Assets": "-0.410", "Assets": "8.38", "Liabilities": "-24.2", "Stockholders Equity": "2.62", "ECR before LimitedLiability": "-6.37", "Assets, Current": "-1.25", "Reinsurance Recoverables": "-1.15", "Separate Account Asset": "3.78", "Investments": "8.05", "Assets, Non-Current": "0.212", "Other Assets": "2.19", "Deferred Policy Acquisition Costs": "0.241", "Liabilities Current": "0.186", "Long Term Debt": "1.18", "Unearned Premiums": "1.11", "Reinsurance Payable": "0.278", "Claims Reserve and LAE": "-6.23", "Policyholder Contract Deposits": "-20.1", "Economic Capital Ratio": "-6.13", "Investment Income": "-0.213", "Premiums Earned": "0.260"}, "2014": {"Investments": "10.0", "Assets": "10.3", "Liabilities": "-29.4", "Stockholders Equity": "1.86", "ECR before LimitedLiability": "-8.42", "Other Assets": "-1.72", "Separate Account Asset": "6.70", "Assets, Non-Current": "0.266", "Assets, Current": "-1.76", "Intangible Assets": "-0.411", "Deferred Policy Acquisition Costs": "0.397", "Reinsurance Recoverables": "-1.07", "Other Liabilities": "1.86", "Long Term Debt": "1.08", "Policyholder Contract Deposits": "-27.6", "Reinsurance Payable": "0.546", "Unearned Premiums": "1.10", "Claims Reserve and LAE": "-6.37", "Liabilities Current": "0.232", "Economic Capital Ratio": "-8.05", "Investment Income": "-0.210"}, "2015": {"Separate Account Asset": "7.22", "Assets": "8.86", "Liabilities": "-29.8", "Stockholders Equity": "0.604", "ECR before LimitedLiability": "-9.53", "Other Assets": "-1.30", "Assets, Current": "-1.42", "Assets, Non-Current": "0.337", "Investments": "8.47", "Deferred Policy Acquisition Costs": "0.449", "Reinsurance Recoverables": "-0.949", "Intangible Assets": "-0.319", "Policyholder Contract Deposits": "-27.1", "Long Term Debt": "-2.21", "Other Liabilities": "3.52", "Claims Reserve and LAE": "-5.27", "Reinsurance Payable": "0.527", "Unearned Premiums": "0.972", "Liabilities Current": "0.216", "Economic Capital Ratio": "-9.25", "Premiums Earned": "0.214"}, "2016": {"Assets, Current": "-1.16", "Assets": "7.95", "Liabilities": "-36.5", "ECR before LimitedLiability": "-11.2", "Reinsurance Recoverables": "-0.987", "Intangible Assets": "-0.402", "Deferred Policy Acquisition Costs": "0.544", "Investments": "6.87", "Separate Account Asset": "6.25", "Other Assets": "0.499", "Assets, Non-Current": "0.390", "Unearned Premiums": "0.826", "Policyholder Contract Deposits": "-29.3", "Long Term Debt": "-2.09", "Other Liabilities": "1.37", "Claims Reserve and LAE": "-5.62", "Reinsurance Payable": "0.326", "Economic Capital Ratio": "-11.0", "Premiums Earned": "0.255", "Investment Income": "-0.249", "Other Revenues": "0.236"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000005272_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "23,118,000", "Claims Reserve and LAE": "85,386,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "40,814,000", "General and Administrative Expense": "20,674,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "6,195,000", "Investment Income": "18,385,000", "Investments": "601,165,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "79,169,000", "Other Compr. Net Income": "22,733,000", "Other Expenses": "25,664,000", "Other Liabilities": "349,497,000", "Other Net Income": "-543,000", "Other Revenues": "12,917,000", "Policyholder Benefits and Claims": "61,436,000", "Policyholder Contract Deposits": "291,530,000", "Premiums Earned": "64,702,000", "Premiums Receivable": "16,549,000", "Reinsurance Payable": "774,000", "Reinsurance Recoverables": "22,425,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "58,150,000", "Unearned Premiums": "21,363,000"}, "output_variables": {"Assets": "847,585,000", "Liabilities": "748,550,000", "Expenses": "107,774,000", "Revenues": "96,004,000", "Stockholders Equity": "99,035,000", "Net Income": "-12,313,000", "Comprehensive Net Income": "-946,500", "BaseVar": "3,960,379,478", "ECR before LimitedLiability": "3.8%", "Economic Capital Ratio": "79%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "43,187,000", "Claims Reserve and LAE": "91,151,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "14,668,000", "General and Administrative Expense": "15,820,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,333,000", "Investment Income": "20,651,000", "Investments": "410,412,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "117,888,000", "Other Compr. Net Income": "49,000", "Other Expenses": "3,530,000", "Other Liabilities": "271,643,000", "Other Net Income": "-2,064,000", "Other Revenues": "8,621,000", "Policyholder Benefits and Claims": "45,874,000", "Policyholder Contract Deposits": "182,563,000", "Premiums Earned": "48,029,000", "Premiums Receivable": "15,713,000", "Reinsurance Payable": "610,000", "Reinsurance Recoverables": "25,810,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "54,432,000", "Unearned Premiums": "23,803,000"}, "output_variables": {"Assets": "683,443,000", "Liabilities": "569,770,000", "Expenses": "65,224,000", "Revenues": "77,301,000", "Stockholders Equity": "113,673,000", "Net Income": "10,013,000", "Comprehensive Net Income": "10,037,500", "BaseVar": "2,824,752,397", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "82%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "12,824,000", "Claims Reserve and LAE": "125,462,000", "Deferred Acquisition Costs Amortization": "8,019,000", "Deferred Policy Acquisition Costs": "14,026,000", "General and Administrative Expense": "6,091,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "14,755,000", "Investments": "410,438,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "52,376,000", "Other Compr. Net Income": "-3,417,000", "Other Expenses": "-293,000", "Other Liabilities": "107,540,000", "Other Net Income": "1,535,000", "Other Revenues": "10,492,000", "Policyholder Benefits and Claims": "33,449,000", "Policyholder Contract Deposits": "184,977,000", "Premiums Earned": "38,990,000", "Premiums Receivable": "14,721,000", "Reinsurance Payable": "0", "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": "51,388,000", "Unearned Premiums": "23,465,000"}, "output_variables": {"Assets": "555,773,000", "Liabilities": "441,444,000", "Expenses": "47,266,000", "Revenues": "64,237,000", "Stockholders Equity": "114,329,000", "Net Income": "18,506,000", "Comprehensive Net Income": "16,797,500", "BaseVar": "3,439,391,328", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "85%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "10,399,000", "Claims Reserve and LAE": "124,331,000", "Deferred Acquisition Costs Amortization": "6,226,638", "Deferred Policy Acquisition Costs": "8,182,000", "General and Administrative Expense": "8,816,766", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "20,275,151", "Investments": "375,824,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "82,902,000", "Other Compr. Net Income": "2,909,969", "Other Expenses": "7,402,449", "Other Liabilities": "112,041,000", "Other Net Income": "1,533,720", "Other Revenues": "8,166,079", "Policyholder Benefits and Claims": "32,199,966", "Policyholder Contract Deposits": "190,721,000", "Premiums Earned": "38,175,715", "Premiums Receivable": "13,989,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "66,959,473", "Revenues Y+2": "66,488,081", "Revenues Y+3": "66,655,255", "Revenues Y+4": "66,595,059", "Revenues Y+5": "66,616,945", "Separate Account Asset": "57,337,000", "Unearned Premiums": "22,537,000"}, "output_variables": {"Assets": "548,633,000", "Liabilities": "449,630,000", "Expenses": "54,645,820", "Revenues": "66,616,945", "Stockholders Equity": "99,003,000", "Net Income": "13,504,845", "Comprehensive Net Income": "14,959,829", "BaseVar": "4,153,388,863", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "9,366,000", "Claims Reserve and LAE": "122,200,000", "Deferred Acquisition Costs Amortization": "5,266,682", "Deferred Policy Acquisition Costs": "9,436,000", "General and Administrative Expense": "9,175,057", "Insurance Commissions and Fees": "2,535,000", "Intangible Assets": "0", "Investment Income": "16,119,441", "Investments": "356,428,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "82,101,000", "Other Compr. Net Income": "-1,980,693", "Other Expenses": "14,534,152", "Other Liabilities": "97,907,000", "Other Net Income": "-4,039,489", "Other Revenues": "11,217,454", "Policyholder Benefits and Claims": "29,876,018", "Policyholder Contract Deposits": "198,158,000", "Premiums Earned": "37,461,127", "Premiums Receivable": "12,939,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "66,642,072", "Revenues Y+2": "67,692,306", "Revenues Y+3": "67,214,485", "Revenues Y+4": "67,426,842", "Revenues Y+5": "67,333,023", "Separate Account Asset": "71,059,000", "Unearned Premiums": "21,953,000"}, "output_variables": {"Assets": "541,329,000", "Liabilities": "440,218,000", "Expenses": "58,851,909", "Revenues": "67,333,023", "Stockholders Equity": "101,111,000", "Net Income": "4,441,625", "Comprehensive Net Income": "3,451,278", "BaseVar": "2,770,172,007", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "10,549,000", "Claims Reserve and LAE": "120,009,000", "Deferred Acquisition Costs Amortization": "5,295,593", "Deferred Policy Acquisition Costs": "9,827,000", "General and Administrative Expense": "12,615,149", "Insurance Commissions and Fees": "2,617,607", "Intangible Assets": "0", "Investment Income": "16,060,793", "Investments": "355,766,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "47,372,000", "Other Compr. Net Income": "324,691", "Other Expenses": "11,682,968", "Other Liabilities": "57,658,000", "Other Net Income": "22,224", "Other Revenues": "9,988,243", "Policyholder Benefits and Claims": "28,464,379", "Policyholder Contract Deposits": "209,318,000", "Premiums Earned": "37,270,137", "Premiums Receivable": "12,031,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "66,625,853", "Revenues Y+2": "65,536,769", "Revenues Y+3": "66,069,978", "Revenues Y+4": "65,808,866", "Revenues Y+5": "65,936,780", "Separate Account Asset": "80,036,000", "Unearned Premiums": "21,324,000"}, "output_variables": {"Assets": "515,581,000", "Liabilities": "408,309,000", "Expenses": "58,058,088", "Revenues": "65,936,780", "Stockholders Equity": "107,272,000", "Net Income": "7,900,916", "Comprehensive Net Income": "8,063,262", "BaseVar": "3,275,107,523", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "11,390,000", "Claims Reserve and LAE": "118,527,000", "Deferred Acquisition Costs Amortization": "5,254,703", "Deferred Policy Acquisition Costs": "11,115,000", "General and Administrative Expense": "12,745,143", "Insurance Commissions and Fees": "2,759,818", "Intangible Assets": "0", "Investment Income": "14,192,339", "Investments": "338,354,000", "Liabilities Current": "0", "Long Term Debt": "29,350,000", "Other Assets": "45,059,000", "Other Compr. Net Income": "-3,070,744", "Other Expenses": "7,696,784", "Other Liabilities": "26,164,000", "Other Net Income": "-26,943", "Other Revenues": "5,872,668", "Policyholder Benefits and Claims": "30,883,359", "Policyholder Contract Deposits": "211,374,000", "Premiums Earned": "36,755,685", "Premiums Receivable": "11,451,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "59,988,048", "Revenues Y+2": "59,418,386", "Revenues Y+3": "59,630,171", "Revenues Y+4": "59,549,673", "Revenues Y+5": "59,580,510", "Separate Account Asset": "79,574,000", "Unearned Premiums": "21,318,000"}, "output_variables": {"Assets": "496,943,000", "Liabilities": "406,733,000", "Expenses": "56,579,988", "Revenues": "59,580,510", "Stockholders Equity": "90,210,000", "Net Income": "2,973,579", "Comprehensive Net Income": "1,438,207", "BaseVar": "3,113,851,056", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "10,815,000", "Claims Reserve and LAE": "119,281,000", "Deferred Acquisition Costs Amortization": "4,662,802", "Deferred Policy Acquisition Costs": "11,042,000", "General and Administrative Expense": "11,209,254", "Insurance Commissions and Fees": "2,731,223", "Intangible Assets": "0", "Investment Income": "14,064,181", "Investments": "328,175,000", "Liabilities Current": "0", "Long Term Debt": "30,912,000", "Other Assets": "54,795,000", "Other Compr. Net Income": "-3,222,891", "Other Expenses": "5,240,630", "Other Liabilities": "32,402,000", "Other Net Income": "-41,498", "Other Revenues": "2,066,625", "Policyholder Benefits and Claims": "32,273,417", "Policyholder Contract Deposits": "219,177,000", "Premiums Earned": "34,772,721", "Premiums Receivable": "10,465,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "53,989,152", "Revenues Y+2": "53,527,428", "Revenues Y+3": "53,663,077", "Revenues Y+4": "53,622,251", "Revenues Y+5": "53,634,750", "Separate Account Asset": "82,972,000", "Unearned Premiums": "19,634,000"}, "output_variables": {"Assets": "498,264,000", "Liabilities": "421,406,000", "Expenses": "53,386,103", "Revenues": "53,634,750", "Stockholders Equity": "76,858,000", "Net Income": "207,149", "Comprehensive Net Income": "-1,404,297", "BaseVar": "2,674,398,092", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 38429000000.0, "future_profits": 11837823404.790815, "valuation_correction": 60935815.88759461, "limited_liability_put_option": 346484061524.9347, "fair_value": 396811820745.6131, "market_value": 53573876771.5855}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000005272.svg", "value": 0.818398164842064, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000005272.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000005272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000005272.svg"}, {"company_id": "0000005513", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000005513.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Unum Group", "rank": 48, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Unum Group compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of Unum Group is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 81%, being 12% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000005513_2017_Unum_Group.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-0.474", "Assets": "5.41", "Liabilities": "-6.55", "Stockholders Equity": "0.594", "ECR before LimitedLiability": "-5.93", "Other Assets": "-3.69", "Assets, Current": "-1.15", "Reinsurance Recoverables": "3.45", "Separate Account Asset": "-6.57", "Investments": "5.77", "Intangible Assets": "-0.623", "Deferred Policy Acquisition Costs": "0.791", "Claims Reserve and LAE": "-37.4", "Other Liabilities": "5.48", "Unearned Premiums": "1.24", "Long Term Debt": "-0.988", "Liabilities Current": "0.590", "Policyholder Contract Deposits": "5.44", "Economic Capital Ratio": "-5.75", "Other Expenses": "-0.250", "Investment Income": "-0.267"}, "2010": {"Deferred Policy Acquisition Costs": "1.14", "Assets": "5.60", "Liabilities": "-15.4", "Stockholders Equity": "-0.665", "ECR before LimitedLiability": "-7.35", "Assets, Current": "-1.17", "Investments": "6.18", "Intangible Assets": "-0.531", "Separate Account Asset": "-3.14", "Reinsurance Recoverables": "2.83", "Other Assets": "-5.62", "Liabilities Current": "0.281", "Other Liabilities": "5.52", "Unearned Premiums": "2.33", "Long Term Debt": "-1.68", "Policyholder Contract Deposits": "3.20", "Claims Reserve and LAE": "-36.2", "Economic Capital Ratio": "-7.24", "Other Expenses": "-0.216", "Investment Income": "-0.270", "Other Revenues": "0.308"}, "2011": {"Reinsurance Recoverables": "2.21", "Assets": "5.94", "Liabilities": "-17.4", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-9.01", "Intangible Assets": "-0.364", "Other Assets": "-4.51", "Separate Account Asset": "-3.02", "Assets, Current": "-1.16", "Deferred Policy Acquisition Costs": "0.836", "Investments": "6.47", "Liabilities Current": "0.185", "Long Term Debt": "-1.32", "Other Liabilities": "5.85", "Unearned Premiums": "3.80", "Policyholder Contract Deposits": "3.04", "Claims Reserve and LAE": "-43.2", "Reinsurance Payable": "0.367", "Economic Capital Ratio": "-8.85", "Investment Income": "-0.177", "Other Revenues": "0.228"}, "2012": {"Assets, Current": "-1.33", "Assets": "6.00", "Liabilities": "-20.3", "Stockholders Equity": "-0.981", "ECR before LimitedLiability": "-9.04", "Separate Account Asset": "-2.95", "Other Assets": "-3.46", "Deferred Policy Acquisition Costs": "0.670", "Intangible Assets": "-0.340", "Reinsurance Recoverables": "2.22", "Investments": "6.58", "Reinsurance Payable": "0.358", "Other Liabilities": "5.74", "Claims Reserve and LAE": "-44.1", "Unearned Premiums": "3.67", "Long Term Debt": "-1.46", "Policyholder Contract Deposits": "2.90", "Liabilities Current": "0.213", "Economic Capital Ratio": "-8.87", "Other Revenues": "0.141", "Investment Income": "-0.143"}, "2013": {"Intangible Assets": "-0.381", "Assets": "5.34", "Liabilities": "-15.8", "Stockholders Equity": "-1.82", "ECR before LimitedLiability": "-8.86", "Assets, Current": "-1.65", "Reinsurance Recoverables": "2.47", "Separate Account Asset": "-3.44", "Investments": "6.07", "Other Assets": "-5.70", "Premiums Receivable": "-0.298", "Deferred Policy Acquisition Costs": "0.716", "Long Term Debt": "-0.997", "Unearned Premiums": "3.91", "Reinsurance Payable": "0.352", "Claims Reserve and LAE": "-41.5", "Other Liabilities": "5.28", "Policyholder Contract Deposits": "3.22", "Economic Capital Ratio": "-8.62", "Investment Income": "-0.242", "Other Revenues": "0.310"}, "2014": {"Investments": "6.60", "Assets": "5.51", "Liabilities": "-23.7", "Stockholders Equity": "-4.74", "ECR before LimitedLiability": "-12.6", "Other Assets": "-6.90", "Separate Account Asset": "-1.64", "Assets, Current": "-2.36", "Intangible Assets": "-0.401", "Deferred Policy Acquisition Costs": "0.802", "Premiums Receivable": "-0.361", "Reinsurance Recoverables": "2.44", "Other Liabilities": "5.30", "Long Term Debt": "-1.03", "Reinsurance Payable": "0.676", "Unearned Premiums": "3.95", "Claims Reserve and LAE": "-41.1", "Liabilities Current": "0.287", "Economic Capital Ratio": "-12.2", "Other Revenues": "0.260", "Policyholder Benefits and Claims": "0.241"}, "2015": {"Separate Account Asset": "-1.47", "Assets": "5.71", "Liabilities": "-21.4", "Stockholders Equity": "-4.40", "ECR before LimitedLiability": "-12.0", "Other Assets": "-6.43", "Assets, Current": "-1.91", "Premiums Receivable": "-0.420", "Investments": "6.44", "Deferred Policy Acquisition Costs": "0.772", "Reinsurance Recoverables": "2.57", "Intangible Assets": "-0.248", "Policyholder Contract Deposits": "1.12", "Long Term Debt": "-0.665", "Other Liabilities": "4.88", "Claims Reserve and LAE": "-37.0", "Reinsurance Payable": "0.682", "Unearned Premiums": "4.03", "Liabilities Current": "0.279", "Economic Capital Ratio": "-11.7", "Other Revenues": "0.222"}, "2016": {"Assets, Current": "-1.74", "Assets": "5.64", "Liabilities": "-22.6", "Stockholders Equity": "-4.42", "ECR before LimitedLiability": "-12.0", "Reinsurance Recoverables": "2.37", "Intangible Assets": "-0.348", "Premiums Receivable": "-0.555", "Deferred Policy Acquisition Costs": "0.843", "Investments": "6.30", "Separate Account Asset": "-0.600", "Other Assets": "-6.17", "Unearned Premiums": "4.16", "Long Term Debt": "-0.527", "Liabilities Current": "0.295", "Other Liabilities": "4.10", "Claims Reserve and LAE": "-35.2", "Reinsurance Payable": "0.489", "Economic Capital Ratio": "-11.7", "Investment Income": "-0.205", "Other Revenues": "0.216"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000005513_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,054,100", "Claims Reserve and LAE": "37,740,800", "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", "Separate Account Asset": "0", "Unearned Premiums": "452,000"}, "output_variables": {"Assets": "54,477,000", "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%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,127,400", "Claims Reserve and LAE": "39,715,000", "Deferred Acquisition Costs Amortization": "547,100", "Deferred Policy Acquisition Costs": "2,521,100", "General and Administrative Expense": "2,426,600", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,200", "Investment Income": "2,520,200", "Investments": "46,240,900", "Liabilities Current": "0", "Long Term Debt": "2,631,300", "Other Assets": "723,400", "Other Compr. Net Income": "900", "Other Expenses": "-20,700", "Other Liabilities": "3,910,600", "Other Net Income": "0", "Other Revenues": "241,600", "Policyholder Benefits and Claims": "6,354,100", "Policyholder Contract Deposits": "1,669,700", "Premiums Earned": "7,431,400", "Premiums Receivable": "1,665,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,827,900", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "436,700"}, "output_variables": {"Assets": "57,307,700", "Liabilities": "48,363,300", "Expenses": "9,307,100", "Revenues": "10,193,200", "Stockholders Equity": "8,944,400", "Net Income": "886,100", "Comprehensive Net Income": "886,550", "BaseVar": "349,206,321", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "81%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,138,600", "Claims Reserve and LAE": "43,051,900", "Deferred Acquisition Costs Amortization": "533,800", "Deferred Policy Acquisition Costs": "2,300,900", "General and Administrative Expense": "2,472,700", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,200", "Investment Income": "2,519,600", "Investments": "49,213,100", "Liabilities Current": "0", "Long Term Debt": "2,570,200", "Other Assets": "798,400", "Other Compr. Net Income": "107,000", "Other Expenses": "-173,400", "Other Liabilities": "3,920,800", "Other Net Income": "0", "Other Revenues": "244,200", "Policyholder Benefits and Claims": "7,209,500", "Policyholder Contract Deposits": "1,625,900", "Premiums Earned": "7,514,200", "Premiums Receivable": "1,672,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,854,600", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "433,200"}, "output_variables": {"Assets": "60,179,000", "Liabilities": "51,602,000", "Expenses": "10,042,600", "Revenues": "10,278,000", "Stockholders Equity": "8,577,000", "Net Income": "235,400", "Comprehensive Net Income": "288,900", "BaseVar": "571,738,985", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "81%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,127,000", "Claims Reserve and LAE": "44,694,400", "Deferred Acquisition Costs Amortization": "371,210", "Deferred Policy Acquisition Costs": "1,755,500", "General and Administrative Expense": "2,486,770", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,700", "Investment Income": "2,514,877", "Investments": "51,904,800", "Liabilities Current": "0", "Long Term Debt": "2,755,400", "Other Assets": "771,900", "Other Compr. Net Income": "-79,026", "Other Expenses": "-834,259", "Other Liabilities": "4,102,100", "Other Net Income": "0", "Other Revenues": "281,860", "Policyholder Benefits and Claims": "6,721,836", "Policyholder Contract Deposits": "1,644,900", "Premiums Earned": "7,714,962", "Premiums Receivable": "1,632,600", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,842,600", "Revenues Y+1": "10,511,583", "Revenues Y+2": "10,511,710", "Revenues Y+3": "10,511,700", "Revenues Y+4": "10,511,700", "Revenues Y+5": "10,511,700", "Separate Account Asset": "0", "Unearned Premiums": "426,700"}, "output_variables": {"Assets": "62,236,100", "Liabilities": "53,623,500", "Expenses": "8,745,557", "Revenues": "10,511,700", "Stockholders Equity": "8,612,600", "Net Income": "1,766,143", "Comprehensive Net Income": "1,726,630", "BaseVar": "620,031,051", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,159,700", "Claims Reserve and LAE": "43,099,100", "Deferred Acquisition Costs Amortization": "419,792", "Deferred Policy Acquisition Costs": "1,829,200", "General and Administrative Expense": "2,451,728", "Insurance Commissions and Fees": "0", "Intangible Assets": "200,900", "Investment Income": "2,490,406", "Investments": "48,914,900", "Liabilities Current": "0", "Long Term Debt": "2,612,000", "Other Assets": "844,600", "Other Compr. Net Income": "-307,748", "Other Expenses": "-130,206", "Other Liabilities": "2,961,200", "Other Net Income": "0", "Other Revenues": "240,718", "Policyholder Benefits and Claims": "6,595,413", "Policyholder Contract Deposits": "1,658,400", "Premiums Earned": "7,625,244", "Premiums Receivable": "1,647,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,806,500", "Revenues Y+1": "10,356,806", "Revenues Y+2": "10,356,349", "Revenues Y+3": "10,356,371", "Revenues Y+4": "10,356,368", "Revenues Y+5": "10,356,368", "Separate Account Asset": "0", "Unearned Premiums": "413,800"}, "output_variables": {"Assets": "59,403,600", "Liabilities": "50,744,500", "Expenses": "9,336,728", "Revenues": "10,356,368", "Stockholders Equity": "8,659,100", "Net Income": "1,019,640", "Comprehensive Net Income": "865,766", "BaseVar": "399,916,185", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,193,600", "Claims Reserve and LAE": "45,929,400", "Deferred Acquisition Costs Amortization": "441,350", "Deferred Policy Acquisition Costs": "1,901,300", "General and Administrative Expense": "2,586,036", "Insurance Commissions and Fees": "0", "Intangible Assets": "198,700", "Investment Income": "2,476,321", "Investments": "51,794,300", "Liabilities Current": "0", "Long Term Debt": "2,628,700", "Other Assets": "868,100", "Other Compr. Net Income": "-190,996", "Other Expenses": "-99,413", "Other Liabilities": "3,332,200", "Other Net Income": "0", "Other Revenues": "235,244", "Policyholder Benefits and Claims": "7,310,818", "Policyholder Contract Deposits": "1,657,800", "Premiums Earned": "7,796,126", "Premiums Receivable": "1,634,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,906,400", "Revenues Y+1": "10,507,769", "Revenues Y+2": "10,507,694", "Revenues Y+3": "10,507,691", "Revenues Y+4": "10,507,690", "Revenues Y+5": "10,507,690", "Separate Account Asset": "0", "Unearned Premiums": "396,600"}, "output_variables": {"Assets": "62,497,100", "Liabilities": "53,944,700", "Expenses": "10,238,791", "Revenues": "10,507,690", "Stockholders Equity": "8,552,400", "Net Income": "268,899", "Comprehensive Net Income": "173,401", "BaseVar": "531,919,479", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,187,400", "Claims Reserve and LAE": "43,540,600", "Deferred Acquisition Costs Amortization": "483,472", "Deferred Policy Acquisition Costs": "2,008,500", "General and Administrative Expense": "2,644,299", "Insurance Commissions and Fees": "0", "Intangible Assets": "230,900", "Investment Income": "2,481,479", "Investments": "50,023,700", "Liabilities Current": "0", "Long Term Debt": "2,475,100", "Other Assets": "815,700", "Other Compr. Net Income": "-128,331", "Other Expenses": "-147,887", "Other Liabilities": "3,851,300", "Other Net Income": "0", "Other Revenues": "172,687", "Policyholder Benefits and Claims": "6,787,593", "Policyholder Contract Deposits": "1,674,600", "Premiums Earned": "8,080,873", "Premiums Receivable": "1,598,400", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,725,100", "Revenues Y+1": "10,735,410", "Revenues Y+2": "10,735,006", "Revenues Y+3": "10,735,041", "Revenues Y+4": "10,735,039", "Revenues Y+5": "10,735,039", "Separate Account Asset": "0", "Unearned Premiums": "384,200"}, "output_variables": {"Assets": "60,589,700", "Liabilities": "51,925,800", "Expenses": "9,767,476", "Revenues": "10,735,039", "Stockholders Equity": "8,663,900", "Net Income": "967,562", "Comprehensive Net Income": "903,397", "BaseVar": "516,767,714", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,117,900", "Claims Reserve and LAE": "44,245,900", "Deferred Acquisition Costs Amortization": "493,317", "Deferred Policy Acquisition Costs": "2,094,200", "General and Administrative Expense": "2,690,022", "Insurance Commissions and Fees": "0", "Intangible Assets": "335,100", "Investment Income": "2,457,371", "Investments": "51,130,900", "Liabilities Current": "0", "Long Term Debt": "2,999,400", "Other Assets": "793,700", "Other Compr. Net Income": "-96,765", "Other Expenses": "-24,798", "Other Liabilities": "3,740,700", "Other Net Income": "0", "Other Revenues": "222,605", "Policyholder Benefits and Claims": "6,940,050", "Policyholder Contract Deposits": "1,623,800", "Premiums Earned": "8,356,610", "Premiums Receivable": "1,610,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,858,900", "Revenues Y+1": "11,035,751", "Revenues Y+2": "11,036,718", "Revenues Y+3": "11,036,571", "Revenues Y+4": "11,036,589", "Revenues Y+5": "11,036,586", "Separate Account Asset": "0", "Unearned Premiums": "363,700"}, "output_variables": {"Assets": "61,941,500", "Liabilities": "52,973,500", "Expenses": "10,098,591", "Revenues": "11,036,586", "Stockholders Equity": "8,968,000", "Net Income": "937,995", "Comprehensive Net Income": "889,612", "BaseVar": "483,801,729", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 4484000000.0, "future_profits": 3072659407.512211, "valuation_correction": -99219.33842280957, "limited_liability_put_option": 43229965303.24602, "fair_value": 50786525491.41981, "market_value": 7491286491.466822}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000005513.svg", "value": 0.8105772675741586, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000005513.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000005513.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000005513.svg"}, {"company_id": "0001267238", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001267238.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Assurant INC", "rank": 49, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Assurant INC compared to the market average is the variable Reinsurance Recoverables, increasing the Economic Capital Ratio by 5.2% points.The greatest weakness of Assurant INC is the variable Liabilities, reducing the Economic Capital Ratio by 9.5% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 81%, being 12% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001267238_2017_Assurant_INC.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "2.88", "Assets": "-13.8", "Liabilities": "6.90", "Stockholders Equity": "-6.05", "ECR before LimitedLiability": "-6.00", "Investments": "-9.91", "Assets, Non-Current": "-0.568", "Separate Account Asset": "-1.98", "Premiums Receivable": "-1.33", "Reinsurance Recoverables": "6.84", "Other Assets": "-9.60", "Liabilities Current": "0.503", "Other Liabilities": "6.87", "Unearned Premiums": "-6.48", "Long Term Debt": "1.71", "Policyholder Contract Deposits": "4.31", "Claims Reserve and LAE": "1.63", "Economic Capital Ratio": "-5.89", "General and Administrative Expense": "0.156", "Premiums Earned": "-0.323", "Other Revenues": "0.263"}, "2011": {"Reinsurance Recoverables": "7.24", "Assets": "-11.4", "Liabilities": "8.17", "Stockholders Equity": "-5.78", "ECR before LimitedLiability": "-6.64", "Intangible Assets": "0.792", "Assets, Non-Current": "-0.984", "Other Assets": "-7.74", "Separate Account Asset": "-2.18", "Premiums Receivable": "-1.27", "Deferred Policy Acquisition Costs": "3.05", "Investments": "-9.32", "Liabilities Current": "0.324", "Long Term Debt": "1.90", "Other Liabilities": "8.19", "Unearned Premiums": "-4.41", "Policyholder Contract Deposits": "4.33", "Claims Reserve and LAE": "-5.01", "Reinsurance Payable": "0.224", "Economic Capital Ratio": "-6.48", "Premiums Earned": "-0.224"}, "2013": {"Intangible Assets": "0.959", "Assets": "-12.5", "Liabilities": "6.12", "Stockholders Equity": "-7.26", "ECR before LimitedLiability": "-8.00", "Reinsurance Recoverables": "6.10", "Separate Account Asset": "-2.71", "Investments": "-9.75", "Assets, Non-Current": "-0.528", "Other Assets": "-9.63", "Premiums Receivable": "-0.970", "Deferred Policy Acquisition Costs": "3.99", "Liabilities Current": "0.399", "Long Term Debt": "2.51", "Unearned Premiums": "-5.62", "Reinsurance Payable": "0.243", "Claims Reserve and LAE": "-8.15", "Other Liabilities": "6.21", "Policyholder Contract Deposits": "4.39", "Economic Capital Ratio": "-7.77", "Premiums Earned": "-0.265"}, "2014": {"Investments": "-9.81", "Assets": "-13.8", "Liabilities": "5.27", "Stockholders Equity": "-13.2", "ECR before LimitedLiability": "-11.2", "Other Assets": "-12.3", "Assets, Current": "-2.37", "Intangible Assets": "0.859", "Deferred Policy Acquisition Costs": "3.41", "Premiums Receivable": "-0.776", "Reinsurance Recoverables": "6.75", "Other Liabilities": "6.76", "Long Term Debt": "2.50", "Policyholder Contract Deposits": "-0.943", "Reinsurance Payable": "0.856", "Unearned Premiums": "-3.63", "Claims Reserve and LAE": "-6.05", "Liabilities Current": "0.542", "Economic Capital Ratio": "-10.8", "Other Revenues": "0.172", "General and Administrative Expense": "0.174"}, "2015": {"Assets": "-17.0", "Liabilities": "6.00", "Stockholders Equity": "-14.6", "ECR before LimitedLiability": "-11.6", "Other Assets": "-12.1", "Assets, Current": "-1.64", "Premiums Receivable": "-1.22", "Assets, Non-Current": "-0.728", "Investments": "-14.5", "Deferred Policy Acquisition Costs": "3.62", "Reinsurance Recoverables": "6.03", "Intangible Assets": "0.972", "Policyholder Contract Deposits": "1.78", "Long Term Debt": "3.12", "Other Liabilities": "6.00", "Claims Reserve and LAE": "-3.23", "Reinsurance Payable": "0.891", "Unearned Premiums": "-3.52", "Liabilities Current": "0.540", "Economic Capital Ratio": "-11.3", "General and Administrative Expense": "0.218"}, "2016": {"Assets, Current": "-0.753", "Assets": "-0.995", "Liabilities": "-9.48", "Stockholders Equity": "-9.16", "ECR before LimitedLiability": "-12.4", "Reinsurance Recoverables": "5.21", "Intangible Assets": "0.924", "Premiums Receivable": "-0.513", "Deferred Policy Acquisition Costs": "4.50", "Investments": "-8.49", "Separate Account Asset": "2.00", "Other Assets": "-8.72", "Unearned Premiums": "-6.54", "Policyholder Contract Deposits": "-1.37", "Long Term Debt": "2.97", "Liabilities Current": "0.404", "Other Liabilities": "3.42", "Claims Reserve and LAE": "-9.06", "Reinsurance Payable": "0.279", "Economic Capital Ratio": "-12.2", "General and Administrative Expense": "0.368"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0001267238_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "1,150,516", "Assets, Non-Current": "781,502", "Claims Reserve and LAE": "8,105,153", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "2,493,422", "General and Administrative Expense": "2,392,035", "Insurance Commissions and Fees": "0", "Intangible Assets": "619,779", "Investment Income": "703,190", "Investments": "13,505,478", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "305,707", "Other Compr. Net Income": "219,599", "Other Expenses": "2,215,532", "Other Liabilities": "6,276,731", "Other Net Income": "0", "Other Revenues": "421,493", "Policyholder Benefits and Claims": "3,640,978", "Policyholder Contract Deposits": "2,000,371", "Premiums Earned": "7,403,039", "Premiums Receivable": "542,927", "Reinsurance Payable": "170,227", "Reinsurance Recoverables": "4,997,316", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "2,000,371", "Unearned Premiums": "5,063,999"}, "output_variables": {"Assets": "26,397,018", "Liabilities": "21,616,481", "Expenses": "8,248,545", "Revenues": "8,527,722", "Stockholders Equity": "4,780,537", "Net Income": "279,177", "Comprehensive Net Income": "388,976", "BaseVar": "282,302,585", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "82%"}}, "2011": {"input_variables": {"Assets, Current": "1,166,713", "Assets, Non-Current": "367,206", "Claims Reserve and LAE": "8,269,343", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "2,632,720", "General and Administrative Expense": "2,293,705", "Insurance Commissions and Fees": "0", "Intangible Assets": "942,929", "Investment Income": "689,532", "Investments": "14,026,165", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "224,797", "Other Compr. Net Income": "269,343", "Other Expenses": "1,678,051", "Other Liabilities": "6,447,863", "Other Net Income": "0", "Other Revenues": "457,904", "Policyholder Benefits and Claims": "3,755,209", "Policyholder Contract Deposits": "1,694,729", "Premiums Earned": "7,125,368", "Premiums Receivable": "649,122", "Reinsurance Payable": "194,557", "Reinsurance Recoverables": "5,411,064", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "1,694,729", "Unearned Premiums": "5,482,017"}, "output_variables": {"Assets": "27,115,445", "Liabilities": "22,088,509", "Expenses": "7,726,965", "Revenues": "8,272,804", "Stockholders Equity": "5,026,936", "Net Income": "545,839", "Comprehensive Net Income": "680,510", "BaseVar": "435,438,139", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "84%"}}, "2013": {"input_variables": {"Assets, Current": "1,717,184", "Assets, Non-Current": "512,572", "Claims Reserve and LAE": "12,035,943", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,128,931", "General and Administrative Expense": "3,034,404", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,139,197", "Investment Income": "650,296", "Investments": "14,244,015", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "198,738", "Other Compr. Net Income": "-403,573", "Other Expenses": "1,848,814", "Other Liabilities": "4,057,138", "Other Net Income": "0", "Other Revenues": "637,565", "Policyholder Benefits and Claims": "3,675,532", "Policyholder Contract Deposits": "1,941,747", "Premiums Earned": "7,759,796", "Premiums Receivable": "1,080,171", "Reinsurance Payable": "183,710", "Reinsurance Recoverables": "5,752,134", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "1,941,747", "Unearned Premiums": "6,662,672"}, "output_variables": {"Assets": "29,714,689", "Liabilities": "24,881,210", "Expenses": "8,558,750", "Revenues": "9,047,657", "Stockholders Equity": "4,833,479", "Net Income": "488,907", "Comprehensive Net Income": "287,120", "BaseVar": "337,814,846", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "82%"}}, "2014": {"input_variables": {"Assets, Current": "1,318,656", "Assets, Non-Current": "1,125,505", "Claims Reserve and LAE": "13,182,278", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "2,957,740", "General and Administrative Expense": "3,715,236", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,223,199", "Investment Income": "656,310", "Investments": "14,131,452", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "199,462", "Other Compr. Net Income": "-122,470", "Other Expenses": "1,823,078", "Other Liabilities": "4,530,719", "Other Net Income": "0", "Other Revenues": "1,473,169", "Policyholder Benefits and Claims": "4,425,548", "Policyholder Contract Deposits": "1,906,237", "Premiums Earned": "8,609,070", "Premiums Receivable": "1,445,630", "Reinsurance Payable": "232,250", "Reinsurance Recoverables": "7,254,585", "Revenues Y+1": "10,567,385", "Revenues Y+2": "10,664,432", "Revenues Y+3": "10,708,762", "Revenues Y+4": "10,729,163", "Revenues Y+5": "10,738,548", "Separate Account Asset": "1,906,237", "Unearned Premiums": "6,529,675"}, "output_variables": {"Assets": "31,562,466", "Liabilities": "26,381,159", "Expenses": "9,963,862", "Revenues": "10,738,548", "Stockholders Equity": "5,181,307", "Net Income": "774,687", "Comprehensive Net Income": "713,452", "BaseVar": "500,122,943", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2015": {"input_variables": {"Assets, Current": "1,288,305", "Assets, Non-Current": "774,145", "Claims Reserve and LAE": "13,363,413", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,150,934", "General and Administrative Expense": "3,939,178", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,110,675", "Investment Income": "626,815", "Investments": "12,994,772", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "195,073", "Other Compr. Net Income": "-83,921", "Other Expenses": "1,572,826", "Other Liabilities": "3,706,779", "Other Net Income": "0", "Other Revenues": "1,604,430", "Policyholder Benefits and Claims": "4,757,957", "Policyholder Contract Deposits": "1,798,104", "Premiums Earned": "8,359,496", "Premiums Receivable": "1,260,717", "Reinsurance Payable": "227,145", "Reinsurance Recoverables": "7,470,403", "Revenues Y+1": "10,464,938", "Revenues Y+2": "10,530,946", "Revenues Y+3": "10,564,744", "Revenues Y+4": "10,581,965", "Revenues Y+5": "10,590,742", "Separate Account Asset": "1,798,104", "Unearned Premiums": "6,423,720"}, "output_variables": {"Assets": "30,043,128", "Liabilities": "25,519,161", "Expenses": "10,269,962", "Revenues": "10,590,742", "Stockholders Equity": "4,523,967", "Net Income": "320,780", "Comprehensive Net Income": "278,820", "BaseVar": "495,295,090", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2016": {"input_variables": {"Assets, Current": "1,031,971", "Assets, Non-Current": "703,256", "Claims Reserve and LAE": "13,414,135", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,267,394", "General and Administrative Expense": "3,421,210", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,071,266", "Investment Income": "517,145", "Investments": "11,479,076", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "162,702", "Other Compr. Net Income": "-266,235", "Other Expenses": "1,677,608", "Other Liabilities": "3,671,068", "Other Net Income": "0", "Other Revenues": "3,725,520", "Policyholder Benefits and Claims": "1,887,515", "Policyholder Contract Deposits": "1,692,287", "Premiums Earned": "5,054,766", "Premiums Receivable": "1,217,969", "Reinsurance Payable": "207,013", "Reinsurance Recoverables": "9,083,207", "Revenues Y+1": "8,102,721", "Revenues Y+2": "8,513,582", "Revenues Y+3": "8,838,490", "Revenues Y+4": "9,094,967", "Revenues Y+5": "9,297,431", "Separate Account Asset": "1,692,287", "Unearned Premiums": "6,626,525"}, "output_variables": {"Assets": "29,709,128", "Liabilities": "25,611,028", "Expenses": "6,986,334", "Revenues": "9,297,431", "Stockholders Equity": "4,098,100", "Net Income": "2,311,097", "Comprehensive Net Income": "2,177,980", "BaseVar": "359,989,412", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "106%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 2049050000.0, "future_profits": 6950496114.209349, "valuation_correction": -91796558.98744565, "limited_liability_put_option": 20316133450.828114, "fair_value": 29223883006.05002, "market_value": 4408555604.381443}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0001267238.svg", "value": 0.8059666265145923, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0001267238.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0001267238.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0001267238.svg"}, {"company_id": "0000850141", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0000850141.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/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", "name": "Horace Mann Educators Corp De", "rank": 50, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/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. <br/><br/>The greatest strength of Horace Mann Educators Corp De compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Horace Mann Educators Corp De is the variable Liabilities, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 80%, being 13% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0000850141_2017_Horace_Mann_Educators_Corp_De.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-1.45", "Assets": "6.64", "Liabilities": "-24.4", "ECR before LimitedLiability": "-8.74", "Assets, Non-Current": "0.557", "Other Assets": "-4.24", "Separate Account Asset": "6.07", "Assets, Current": "-0.972", "Premiums Receivable": "-1.20", "Deferred Policy Acquisition Costs": "0.868", "Investments": "6.80", "Long Term Debt": "-0.590", "Other Liabilities": "-26.7", "Unearned Premiums": "2.00", "Policyholder Contract Deposits": "-6.82", "Claims Reserve and LAE": "5.95", "Reinsurance Payable": "0.307", "Economic Capital Ratio": "-8.58", "Other Revenues": "-0.403", "Investment Income": "-0.259", "Premiums Earned": "0.529"}, "2012": {"Assets, Current": "-1.05", "Assets": "7.65", "Liabilities": "-28.2", "Stockholders Equity": "1.45", "ECR before LimitedLiability": "-8.11", "Separate Account Asset": "6.35", "Other Assets": "-3.12", "Deferred Policy Acquisition Costs": "0.612", "Reinsurance Recoverables": "-1.27", "Assets, Non-Current": "0.684", "Investments": "7.60", "Premiums Receivable": "-1.06", "Reinsurance Payable": "0.288", "Other Liabilities": "-23.9", "Claims Reserve and LAE": "2.03", "Unearned Premiums": "1.83", "Long Term Debt": "-0.552", "Policyholder Contract Deposits": "-7.24", "Economic Capital Ratio": "-7.94", "Other Revenues": "-0.452", "Premiums Earned": "0.471"}, "2013": {"Assets": "5.26", "Liabilities": "-27.5", "Stockholders Equity": "-0.747", "ECR before LimitedLiability": "-9.73", "Assets, Current": "-1.29", "Reinsurance Recoverables": "-1.18", "Separate Account Asset": "4.39", "Investments": "5.39", "Assets, Non-Current": "0.637", "Other Assets": "-4.87", "Premiums Receivable": "-1.26", "Deferred Policy Acquisition Costs": "0.758", "Unearned Premiums": "1.91", "Claims Reserve and LAE": "3.59", "Other Liabilities": "-25.5", "Policyholder Contract Deposits": "-7.74", "Premiums Earned": "0.842", "Revenues": "0.288", "Investment Income": "-0.346", "Other Revenues": "-0.575", "Economic Capital Ratio": "-9.50"}, "2014": {"Investments": "7.11", "Assets": "6.95", "Liabilities": "-35.7", "Stockholders Equity": "-1.31", "ECR before LimitedLiability": "-12.4", "Other Assets": "-5.40", "Separate Account Asset": "5.49", "Assets, Non-Current": "0.713", "Assets, Current": "-1.69", "Deferred Policy Acquisition Costs": "0.588", "Premiums Receivable": "-1.14", "Reinsurance Recoverables": "-1.02", "Other Liabilities": "-30.3", "Policyholder Contract Deposits": "-10.2", "Reinsurance Payable": "0.480", "Unearned Premiums": "1.83", "Claims Reserve and LAE": "3.52", "Economic Capital Ratio": "-12.1", "Other Revenues": "-0.433", "Premiums Earned": "0.637", "Investment Income": "-0.293"}, "2015": {"Separate Account Asset": "4.83", "Assets": "6.45", "Liabilities": "-36.4", "Stockholders Equity": "-1.46", "ECR before LimitedLiability": "-12.7", "Other Assets": "-4.83", "Assets, Current": "-1.31", "Premiums Receivable": "-1.14", "Assets, Non-Current": "0.735", "Investments": "6.34", "Deferred Policy Acquisition Costs": "0.660", "Reinsurance Recoverables": "-0.876", "Policyholder Contract Deposits": "-8.69", "Long Term Debt": "-0.283", "Claims Reserve and LAE": "-27.0", "Reinsurance Payable": "0.454", "Unearned Premiums": "1.69", "Economic Capital Ratio": "-12.5", "Other Revenues": "-0.528", "Premiums Earned": "0.665", "Investment Income": "-0.301"}, "2016": {"Assets, Current": "-1.15", "Assets": "6.41", "Liabilities": "-38.8", "Stockholders Equity": "-1.39", "ECR before LimitedLiability": "-13.1", "Reinsurance Recoverables": "-0.979", "Premiums Receivable": "-1.18", "Deferred Policy Acquisition Costs": "0.717", "Investments": "6.00", "Separate Account Asset": "4.42", "Other Assets": "-4.45", "Assets, Non-Current": "0.842", "Unearned Premiums": "1.63", "Policyholder Contract Deposits": "-9.91", "Other Liabilities": "-0.847", "Claims Reserve and LAE": "-26.9", "Reinsurance Payable": "0.311", "Premiums Earned": "0.757", "Economic Capital Ratio": "-12.8", "Investment Income": "-0.338", "Other Revenues": "-0.649"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2016/plot_over_time/0000850141_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "212,576", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "92,128", "Deferred Policy Acquisition Costs": "265,041", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "325,974", "Investments": "5,677,508", "Liabilities Current": "0", "Long Term Debt": "199,744", "Other Assets": "7,452", "Other Compr. Net Income": "152,546", "Other Expenses": "333,251", "Other Liabilities": "4,614,598", "Other Net Income": "0", "Other Revenues": "672,326", "Policyholder Benefits and Claims": "502,441", "Policyholder Contract Deposits": "1,373,511", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "1,273,764", "Unearned Premiums": "208,958"}, "output_variables": {"Assets": "7,483,737", "Liabilities": "6,396,811", "Expenses": "927,820", "Revenues": "998,300", "Stockholders Equity": "1,086,926", "Net Income": "70,480", "Comprehensive Net Income": "146,753", "BaseVar": "59,431,840", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "82%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "217,886", "Claims Reserve and LAE": "503,957", "Deferred Acquisition Costs Amortization": "79,519", "Deferred Policy Acquisition Costs": "196,885", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "333,301", "Investments": "6,292,097", "Liabilities Current": "0", "Long Term Debt": "199,809", "Other Assets": "15,181", "Other Compr. Net Income": "115,109", "Other Expenses": "379,179", "Other Liabilities": "4,503,381", "Other Net Income": "0", "Other Revenues": "677,513", "Policyholder Benefits and Claims": "448,250", "Policyholder Contract Deposits": "1,501,508", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "1,398,281", "Unearned Premiums": "213,268"}, "output_variables": {"Assets": "8,167,726", "Liabilities": "6,921,923", "Expenses": "906,948", "Revenues": "1,010,814", "Stockholders Equity": "1,245,803", "Net Income": "103,866", "Comprehensive Net Income": "161,420", "BaseVar": "66,639,912", "ECR before LimitedLiability": "6.7%", "Economic Capital Ratio": "82%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "228,264", "Claims Reserve and LAE": "514,922", "Deferred Acquisition Costs Amortization": "84,643", "Deferred Policy Acquisition Costs": "245,355", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "335,855", "Investments": "6,539,473", "Liabilities Current": "0", "Long Term Debt": "199,874", "Other Assets": "18,189", "Other Compr. Net Income": "-244,875", "Other Expenses": "387,414", "Other Liabilities": "5,043,462", "Other Net Income": "0", "Other Revenues": "695,412", "Policyholder Benefits and Claims": "448,317", "Policyholder Contract Deposits": "1,747,995", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "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": "1,747,995", "Unearned Premiums": "221,114"}, "output_variables": {"Assets": "8,826,672", "Liabilities": "7,727,367", "Expenses": "920,374", "Revenues": "1,031,267", "Stockholders Equity": "1,099,305", "Net Income": "110,893", "Comprehensive Net Income": "-11,544", "BaseVar": "46,147,985", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "80%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "277,350", "Claims Reserve and LAE": "561,559", "Deferred Acquisition Costs Amortization": "92,719", "Deferred Policy Acquisition Costs": "215,082", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "340,846", "Investments": "7,403,467", "Liabilities Current": "0", "Long Term Debt": "199,939", "Other Assets": "11,675", "Other Compr. Net Income": "-144,466", "Other Expenses": "395,294", "Other Liabilities": "5,633,596", "Other Net Income": "0", "Other Revenues": "720,173", "Policyholder Benefits and Claims": "466,489", "Policyholder Contract Deposits": "1,813,557", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,061,014", "Revenues Y+2": "1,061,019", "Revenues Y+3": "1,061,019", "Revenues Y+4": "1,061,019", "Revenues Y+5": "1,061,019", "Separate Account Asset": "1,813,557", "Unearned Premiums": "223,413"}, "output_variables": {"Assets": "9,768,527", "Liabilities": "8,432,064", "Expenses": "954,502", "Revenues": "1,061,019", "Stockholders Equity": "1,336,463", "Net Income": "106,517", "Comprehensive Net Income": "34,284", "BaseVar": "57,968,778", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "85%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "294,510", "Claims Reserve and LAE": "5,450,562", "Deferred Acquisition Costs Amortization": "98,335", "Deferred Policy Acquisition Costs": "253,176", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "345,421", "Investments": "7,648,030", "Liabilities Current": "0", "Long Term Debt": "249,346", "Other Assets": "15,509", "Other Compr. Net Income": "44,108", "Other Expenses": "388,564", "Other Liabilities": "1,061,211", "Other Net Income": "-2,338", "Other Revenues": "735,284", "Policyholder Benefits and Claims": "493,726", "Policyholder Contract Deposits": "1,800,722", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,080,700", "Revenues Y+2": "1,080,704", "Revenues Y+3": "1,080,704", "Revenues Y+4": "1,080,704", "Revenues Y+5": "1,080,704", "Separate Account Asset": "1,800,722", "Unearned Premiums": "232,841"}, "output_variables": {"Assets": "10,059,343", "Liabilities": "8,794,682", "Expenses": "980,625", "Revenues": "1,080,704", "Stockholders Equity": "1,264,661", "Net Income": "97,742", "Comprehensive Net Income": "119,796", "BaseVar": "56,475,569", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2016": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "321,874", "Claims Reserve and LAE": "5,777,857", "Deferred Acquisition Costs Amortization": "96,984", "Deferred Policy Acquisition Costs": "267,580", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "365,797", "Investments": "7,999,372", "Liabilities Current": "0", "Long Term Debt": "247,209", "Other Assets": "16,670", "Other Compr. Net Income": "-60,435", "Other Expenses": "410,297", "Other Liabilities": "1,087,570", "Other Net Income": "-2,295", "Other Revenues": "763,907", "Policyholder Benefits and Claims": "536,980", "Policyholder Contract Deposits": "1,923,932", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,129,690", "Revenues Y+2": "1,129,704", "Revenues Y+3": "1,129,704", "Revenues Y+4": "1,129,704", "Revenues Y+5": "1,129,704", "Separate Account Asset": "1,923,932", "Unearned Premiums": "246,274"}, "output_variables": {"Assets": "10,576,824", "Liabilities": "9,282,842", "Expenses": "1,044,261", "Revenues": "1,129,704", "Stockholders Equity": "1,293,982", "Net Income": "83,149", "Comprehensive Net Income": "52,931", "BaseVar": "54,843,396", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "85%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 646991000.0, "future_profits": 272271628.1393976, "valuation_correction": -2695.952899592956, "limited_liability_put_option": 7489199205.129988, "fair_value": 8408459137.316485, "market_value": 1277469494.812479}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2016/valuation/valuation_0000850141.svg", "value": 0.7996980374315081, "company_index": "https://www.realrate-archive.com/us_non_life/2016/industry_indexes/0000850141.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2016/analytics/equity/0000850141.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2016/analytics/profit_loss/0000850141.svg"}, {"company_id": "0001042046", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2016/feature_distribution/feature_distribution_0001042046.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2016/graphs/IME_0001042046.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001042046.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001042046_256x256.png", "name": "American Financial Group Inc", "rank": 51, "regression_plot": "https://www.realrate-archive.com/us_non_life/2016/backtesting_correlation/regression_0001042046.svg", "report_text": "The relative strengths and weaknesses of American 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. <br/><br/>The greatest strength of American Financial Group Inc compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 4.3% points.The greatest weakness of American Financial Group Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 78%, being 15% points below the market average of 93%.", "report_url": "https://www.realrate-archive.com/us_non_life/2016/report/0001042046_2017_American_Financial_Group_Inc.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "1.06", "Assets": "5.53", "Liabilities": "-24.6", "Stockholders Equity": "0.294", "ECR before LimitedLiability": "-8.02", "Assets, Current": "0.697", "Investments": "5.40", "Intangible Assets": "-0.294", "Separate Account Asset": "-1.70", "Premiums Receivable": "-0.294", "Reinsurance Recoverables": "4.20", "Other Assets": "-2.20", "Reinsurance Payable": "-0.399", "Other Liabilities": "-23.2", "Unearned Premiums": "-0.425", "Long Term Debt": "-0.891", "Policyholder Contract Deposits": "2.83", "Claims Reserve and LAE": "-2.45", "Economic Capital Ratio": "-7.91", "Other Expenses": "0.414", "Other Revenues": "-0.320"}, "2011": {"Reinsurance Recoverables": "3.29", "Assets": "6.05", "Liabilities": "-28.1", "Stockholders Equity": "-0.285", "ECR before LimitedLiability": "-9.70", "Intangible Assets": "-0.159", "Assets, Non-Current": "0.256", "Other Assets": "-0.676", "Separate Account Asset": "-1.67", "Assets, Current": "0.884", "Premiums Receivable": "-0.375", "Deferred Policy Acquisition Costs": "0.699", "Investments": "5.78", "Long Term Debt": "-0.606", "Other Liabilities": "-25.8", "Unearned Premiums": "1.00", "Policyholder Contract Deposits": "2.65", "Claims Reserve and LAE": "-4.55", "Reinsurance Payable": "-0.455", "Economic Capital Ratio": "-9.54", "Other Expenses": "0.261"}, "2012": {"Assets, Current": "1.03", "Assets": "5.90", "Liabilities": "-28.9", "Stockholders Equity": "-0.393", "ECR before LimitedLiability": "-9.89", "Separate Account Asset": "-1.76", "Other Assets": "-0.902", "Intangible Assets": "-0.180", "Reinsurance Recoverables": "4.13", "Assets, Non-Current": "0.345", "Investments": "5.60", "Premiums Receivable": "-0.324", "Reinsurance Payable": "-0.383", "Other Liabilities": "-27.4", "Claims Reserve and LAE": "-4.22", "Unearned Premiums": "1.01", "Long Term Debt": "-0.506", "Policyholder Contract Deposits": "2.71", "Economic Capital Ratio": "-9.72", "Other Expenses": "0.250", "Other Revenues": "-0.195"}, "2013": {"Assets": "4.71", "Liabilities": "-29.5", "Stockholders Equity": "-1.06", "ECR before LimitedLiability": "-10.5", "Assets, Current": "0.659", "Reinsurance Recoverables": "3.13", "Separate Account Asset": "-1.87", "Investments": "4.80", "Assets, Non-Current": "0.444", "Other Assets": "-2.58", "Premiums Receivable": "-0.369", "Deferred Policy Acquisition Costs": "0.552", "Unearned Premiums": "0.876", "Reinsurance Payable": "-0.412", "Claims Reserve and LAE": "-1.80", "Other Liabilities": "-31.6", "Policyholder Contract Deposits": "2.59", "Economic Capital Ratio": "-10.3", "Investment Income": "-0.268", "Other Revenues": "0.232", "Other Expenses": "0.299"}, "2014": {"Investments": "5.42", "Assets": "5.09", "Liabilities": "-35.8", "Stockholders Equity": "-3.31", "ECR before LimitedLiability": "-14.2", "Other Assets": "-3.32", "Separate Account Asset": "-0.575", "Assets, Non-Current": "0.345", "Assets, Current": "-0.447", "Deferred Policy Acquisition Costs": "0.332", "Premiums Receivable": "-0.314", "Reinsurance Recoverables": "2.84", "Other Liabilities": "-34.0", "Long Term Debt": "-0.244", "Policyholder Contract Deposits": "0.215", "Reinsurance Payable": "-0.249", "Unearned Premiums": "0.963", "Claims Reserve and LAE": "-2.08", "Economic Capital Ratio": "-13.8", "Other Revenues": "0.241", "Investment Income": "-0.229"}, "2015": {"Separate Account Asset": "-0.545", "Assets": "4.35", "Liabilities": "-34.3", "Stockholders Equity": "-3.93", "ECR before LimitedLiability": "-14.4", "Other Assets": "-2.23", "Assets, Current": "-0.294", "Premiums Receivable": "-0.380", "Assets, Non-Current": "0.407", "Investments": "4.46", "Deferred Policy Acquisition Costs": "0.524", "Reinsurance Recoverables": "2.14", "Policyholder Contract Deposits": "1.28", "Other Liabilities": "-37.4", "Claims Reserve and LAE": "-0.537", "Unearned Premiums": "1.03", "Liabilities Current": "0.203", "Economic Capital Ratio": "-14.2", "Other Revenues": "0.213", "Other Expenses": "0.179", "Investment Income": "-0.237"}, "2016": {"Assets, Current": "0.632", "Assets": "4.33", "Liabilities": "-38.3", "Stockholders Equity": "-3.67", "ECR before LimitedLiability": "-14.9", "Reinsurance Recoverables": "1.91", "Intangible Assets": "-0.257", "Premiums Receivable": "-0.401", "Deferred Policy Acquisition Costs": 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