{"company_details": [{"company_id": "0001591890", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001591890.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 1, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 79% points.The greatest weakness of FG Nexus Inc is the variable Investments, reducing the Economic Capital Ratio by 0.83% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 156%, being 60% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001591890_2021_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"}, "2017": {"Separate Account Asset": "-0.584", "Assets": "-7.09", "Liabilities": "14.6", "Stockholders Equity": "1.98", "ECR before LimitedLiability": "4.42", "Premiums Receivable": "1.36", "Investments": "-8.57", "Intangible Assets": "-1.36", "Assets, Current": "7.02", "Other Assets": "-4.82", "Deferred Policy Acquisition Costs": "1.32", "Reinsurance Recoverables": "1.52", "Assets, Non-Current": "-1.12", "Claims Reserve and LAE": "16.4", "Liabilities Current": "0.719", "Long Term Debt": "3.71", "Policyholder Contract Deposits": "2.44", "Reinsurance Payable": "-2.71", "Other Liabilities": "6.68", "Unearned Premiums": "-14.9", "Economic Capital Ratio": "4.71"}, "2018": {"Assets, Non-Current": "-1.67", "Assets": "-14.9", "Liabilities": "23.0", "Stockholders Equity": "-2.26", "ECR before LimitedLiability": "5.30", "Assets, Current": "6.16", "Intangible Assets": "-2.09", "Deferred Policy Acquisition Costs": "0.940", "Other Assets": "-4.34", "Separate Account Asset": "-1.05", "Investments": "-12.7", "Premiums Receivable": "-0.896", "Other Liabilities": "12.3", "Liabilities Current": "1.06", "Long Term Debt": "4.09", "Reinsurance Payable": "-3.55", "Unearned Premiums": "-12.4", "Policyholder Contract Deposits": "3.43", "Claims Reserve and LAE": "21.5", "Economic Capital Ratio": "5.64", "Premiums Earned": "-0.375"}, "2019": {"Assets": "1.89", "Stockholders Equity": "68.4", "ECR before LimitedLiability": "59.1", "Investments": "-0.217", "Other Assets": "1.05", "Assets, Current": "0.863", "Policyholder Contract Deposits": "1.65", "Liabilities": "28.3", "Reinsurance Payable": "0.745", "Long Term Debt": "2.61", "Liabilities Current": "0.362", "Other Liabilities": "9.25", "Claims Reserve and LAE": "12.4", "Unearned Premiums": "4.66", "Expenses": "-0.242", "Policyholder Benefits and Claims": "-0.183", "Economic Capital Ratio": "59.7", "Other Net Income": "0.246", "Investment Income": "-0.994", "Other Revenues": "0.509", "Premiums Earned": "-0.231"}, "2020": {"Assets": "-0.596", "Liabilities": "78.8", "Stockholders Equity": "39.1", "ECR before LimitedLiability": "58.9", "Assets, Current": "0.618", "Other Assets": "0.777", "Investments": "-0.826", "Other Liabilities": "33.9", "Expenses": "0.164", "Revenues": "1.80", "Long Term Debt": "4.53", "Reinsurance Payable": "3.51", "Claims Reserve and LAE": "41.5", "Policyholder Contract Deposits": "7.84", "Liabilities Current": "1.28", "Unearned Premiums": "16.1", "Policyholder Benefits and Claims": "0.152", "General and Administrative Expense": "-0.177", "Premiums Earned": "1.67", "Investment Income": "1.05", "Economic Capital Ratio": "59.6"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "23,575", "Assets, Non-Current": "1,093", "Claims Reserve and LAE": "13,488", "Deferred Acquisition Costs Amortization": "15,179", "Deferred Policy Acquisition Costs": "6,785", "General and Administrative Expense": "10,364", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,068", "Investments": "55,191", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,336", "Other Compr. Net Income": "-3.0", "Other Expenses": "1,272", "Other Liabilities": "8,886", "Other Net Income": "0", "Other Revenues": "5,564", "Policyholder Benefits and Claims": "15,149", "Policyholder Contract Deposits": "0", "Premiums Earned": "39,214", "Premiums Receivable": "10,831", "Reinsurance Payable": "5,738", "Reinsurance Recoverables": "12,626", "Revenues Y+1": "41,487", "Revenues Y+2": "43,644", "Revenues Y+3": "45,253", "Revenues Y+4": "46,609", "Revenues Y+5": "47,847", "Separate Account Asset": "0", "Unearned Premiums": "39,523"}, "output_variables": {"Assets": "114,437", "Liabilities": "67,635", "Expenses": "41,965", "Revenues": "47,847", "Stockholders Equity": "46,802", "Net Income": "5,882", "Comprehensive Net Income": "5,881", "BaseVar": "1,962,175", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "117%"}}, "2018": {"input_variables": {"Assets, Current": "30,902", "Assets, Non-Current": "1,455", "Claims Reserve and LAE": "15,151", "Deferred Acquisition Costs Amortization": "27,828", "Deferred Policy Acquisition Costs": "9,111", "General and Administrative Expense": "18,318", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "4,876", "Investments": "83,334", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,215", "Other Compr. Net Income": "-2,635", "Other Expenses": "1,247", "Other Liabilities": "8,461", "Other Net Income": "0", "Other Revenues": "1,969", "Policyholder Benefits and Claims": "42,361", "Policyholder Contract Deposits": "0", "Premiums Earned": "101,171", "Premiums Receivable": "7,720", "Reinsurance Payable": "9,657", "Reinsurance Recoverables": "12,186", "Revenues Y+1": "78,305", "Revenues Y+2": "86,266", "Revenues Y+3": "98,004", "Revenues Y+4": "100,235", "Revenues Y+5": "108,015", "Separate Account Asset": "0", "Unearned Premiums": "51,907"}, "output_variables": {"Assets": "147,923", "Liabilities": "85,176", "Expenses": "89,753", "Revenues": "108,015", "Stockholders Equity": "62,747", "Net Income": "18,263", "Comprehensive Net Income": "16,945", "BaseVar": "3,657,241", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "135%"}}, "2019": {"input_variables": {"Assets, Current": "28,509", "Assets, Non-Current": "188", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "7,026", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,322", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "25,421", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "33", "Other Assets": "34,757", "Other Compr. Net Income": "-525", "Other Expenses": "-261", "Other Liabilities": "506", "Other Net Income": "-2,072", "Other Revenues": "-19,545", "Policyholder Benefits and Claims": "27,301", "Policyholder Contract Deposits": "0", "Premiums Earned": "49,452", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "55,366", "Revenues Y+2": "10,014", "Revenues Y+3": "54,536", "Revenues Y+4": "15,486", "Revenues Y+5": "55,327", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "63,454", "Liabilities": "539", "Expenses": "40,388", "Revenues": "55,327", "Stockholders Equity": "62,915", "Net Income": "12,867", "Comprehensive Net Income": "12,605", "BaseVar": "2,674,799", "ECR before LimitedLiability": "199%", "Economic Capital Ratio": "224%"}}, "2020": {"input_variables": {"Assets, Current": "12,132", "Assets, Non-Current": "517", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,010", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "5,569", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "57", "Other Assets": "22,056", "Other Compr. Net Income": "972", "Other Expenses": "-683", "Other Liabilities": "455", "Other Net Income": "-2,034", "Other Revenues": "-5,518", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "-19,059", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "-18,896", "Revenues Y+2": "-19,065", "Revenues Y+3": "-19,025", "Revenues Y+4": "-19,093", "Revenues Y+5": "-19,009", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "34,705", "Liabilities": "512", "Expenses": "4,328", "Revenues": "-19,009", "Stockholders Equity": "34,193", "Net Income": "-25,370", "Comprehensive Net Income": "-24,884", "BaseVar": "1,433,891", "ECR before LimitedLiability": "-403%", "Economic Capital Ratio": "0.81%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 17096500.0, "future_profits": -88126345.71250497, "valuation_correction": 1394.2439588255306, "limited_liability_put_option": 71171843.80188715, "fair_value": 143392.33334101737, "market_value": 18193525.88}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001591890.svg", "value": 1.561980055500005, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001591890.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001591890.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001591890.svg"}, {"company_id": "0001584831", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001584831.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 2, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Stockholders Equity, increasing the Economic Capital Ratio by 51% points.The greatest weakness of Oxbridge RE Holdings Ltd is the variable Investments, reducing the Economic Capital Ratio by 3.2% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 142%, being 45% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001584831_2021_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"}, "2017": {"Separate Account Asset": "-1.92", "Assets": "-30.1", "Liabilities": "49.3", "Stockholders Equity": "-57.0", "ECR before LimitedLiability": "24.3", "Premiums Receivable": "-3.24", "Investments": "-28.0", "Intangible Assets": "-4.23", "Assets, Current": "3.30", "Other Assets": "-7.38", "Deferred Policy Acquisition Costs": "-3.68", "Reinsurance Recoverables": "-8.44", "Assets, Non-Current": "-4.61", "Claims Reserve and LAE": "44.2", "Liabilities Current": "4.09", "Long Term Debt": "19.6", "Policyholder Contract Deposits": "13.3", "Reinsurance Payable": "4.59", "Other Liabilities": "42.3", "Unearned Premiums": "42.1", "Economic Capital Ratio": "24.6"}, "2018": {"Assets, Non-Current": "-2.19", "Assets": "-18.9", "Liabilities": "44.5", "Stockholders Equity": "-2.65", "ECR before LimitedLiability": "25.7", "Reinsurance Recoverables": "-3.14", "Assets, Current": "28.6", "Intangible Assets": "-2.27", "Deferred Policy Acquisition Costs": "-1.75", "Other Assets": "1.92", "Separate Account Asset": "-1.15", "Investments": "-19.7", "Premiums Receivable": "-3.15", "Other Liabilities": "27.2", "Liabilities Current": "2.02", "Long Term Debt": "7.64", "Reinsurance Payable": "2.34", "Unearned Premiums": "23.1", "Policyholder Contract Deposits": "6.43", "Claims Reserve and LAE": "27.1", "Economic Capital Ratio": "26.0"}, "2019": {"Premiums Receivable": "0.573", "Assets": "15.7", "Liabilities": "17.9", "Stockholders Equity": "49.1", "ECR before LimitedLiability": "41.6", "Investments": "-2.76", "Assets, Non-Current": "-0.234", "Intangible Assets": "-0.192", "Separate Account Asset": "-0.140", "Other Assets": "2.57", "Reinsurance Recoverables": "-0.335", "Assets, Current": "21.3", "Policyholder Contract Deposits": "1.76", "Reinsurance Payable": "0.795", "Long Term Debt": "2.85", "Liabilities Current": "0.386", "Other Liabilities": "-0.269", "Claims Reserve and LAE": "13.2", "Economic Capital Ratio": "42.2", "Policyholder Benefits and Claims": "-0.177", "General and Administrative Expense": "0.643"}, "2020": {"Intangible Assets": "-0.174", "Assets": "8.99", "Liabilities": "28.4", "Stockholders Equity": "51.3", "ECR before LimitedLiability": "44.6", "Assets, Current": "16.2", "Other Assets": "3.07", "Reinsurance Recoverables": "-0.356", "Separate Account Asset": "-0.138", "Investments": "-3.19", "Premiums Receivable": "0.399", "Assets, Non-Current": "-0.185", "Other Liabilities": "6.81", "Long Term Debt": "1.72", "Reinsurance Payable": "1.27", "Claims Reserve and LAE": "17.2", "Policyholder Contract Deposits": "2.88", "Liabilities Current": "0.457", "Unearned Premiums": "1.05", "Economic Capital Ratio": "45.3", "General and Administrative Expense": "0.310"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "7,763", "Assets, Non-Current": "36", "Claims Reserve and LAE": "4,836", "Deferred Acquisition Costs Amortization": "594", "Deferred Policy Acquisition Costs": "48", "General and Administrative Expense": "1,293", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "398", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "9,748", "Other Compr. Net Income": "671", "Other Expenses": "0", "Other Liabilities": "492", "Other Net Income": "0", "Other Revenues": "367", "Policyholder Benefits and Claims": "180,545", "Policyholder Contract Deposits": "0", "Premiums Earned": "31,340", "Premiums Receivable": "3,798", "Reinsurance Payable": "135", "Reinsurance Recoverables": "0", "Revenues Y+1": "27,782", "Revenues Y+2": "29,255", "Revenues Y+3": "30,963", "Revenues Y+4": "31,274", "Revenues Y+5": "32,105", "Separate Account Asset": "0", "Unearned Premiums": "2,012"}, "output_variables": {"Assets": "21,393", "Liabilities": "7,475", "Expenses": "182,432", "Revenues": "32,105", "Stockholders Equity": "13,918", "Net Income": "-150,327", "Comprehensive Net Income": "-149,992", "BaseVar": "4,497,952", "ECR before LimitedLiability": "90%", "Economic Capital Ratio": "151%"}}, "2018": {"input_variables": {"Assets, Current": "8,074", "Assets, Non-Current": "18", "Claims Reserve and LAE": "4,108", "Deferred Acquisition Costs Amortization": "439", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,267", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "348", "Investments": "1,155", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,314", "Other Compr. Net Income": "158", "Other Expenses": "8.0", "Other Liabilities": "139", "Other Net Income": "0", "Other Revenues": "33", "Policyholder Benefits and Claims": "21,086", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,874", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,402", "Revenues Y+2": "5,850", "Revenues Y+3": "5,210", "Revenues Y+4": "5,824", "Revenues Y+5": "5,255", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "12,561", "Liabilities": "4,247", "Expenses": "22,800", "Revenues": "5,255", "Stockholders Equity": "8,314", "Net Income": "-17,545", "Comprehensive Net Income": "-17,466", "BaseVar": "506,860", "ECR before LimitedLiability": "62%", "Economic Capital Ratio": "130%"}}, "2019": {"input_variables": {"Assets, Current": "5,962", "Assets, Non-Current": "9.0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "105", "Deferred Policy Acquisition Costs": "48", "General and Administrative Expense": "992", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "166", "Investments": "692", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,278", "Other Compr. Net Income": "6.1", "Other Expenses": "8.0", "Other Liabilities": "1,012", "Other Net Income": "0", "Other Revenues": "562", "Policyholder Benefits and Claims": "745", "Policyholder Contract Deposits": "0", "Premiums Earned": "536", "Premiums Receivable": "506", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,378", "Revenues Y+2": "899", "Revenues Y+3": "1,306", "Revenues Y+4": "938", "Revenues Y+5": "1,264", "Separate Account Asset": "0", "Unearned Premiums": "440"}, "output_variables": {"Assets": "9,495", "Liabilities": "1,452", "Expenses": "1,850", "Revenues": "1,264", "Stockholders Equity": "8,043", "Net Income": "-586", "Comprehensive Net Income": "-583", "BaseVar": "89,337", "ECR before LimitedLiability": "78%", "Economic Capital Ratio": "142%"}}, "2020": {"input_variables": {"Assets, Current": "5,562", "Assets, Non-Current": "13", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "91", "Deferred Policy Acquisition Costs": "45", "General and Administrative Expense": "1,015", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "18", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,999", "Other Compr. Net Income": "-0.77", "Other Expenses": "0", "Other Liabilities": "647", "Other Net Income": "0", "Other Revenues": "163", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "903", "Premiums Receivable": "464", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,101", "Revenues Y+2": "1,142", "Revenues Y+3": "1,082", "Revenues Y+4": "1,122", "Revenues Y+5": "1,084", "Separate Account Asset": "0", "Unearned Premiums": "411"}, "output_variables": {"Assets": "9,083", "Liabilities": "1,058", "Expenses": "1,106", "Revenues": "1,084", "Stockholders Equity": "8,025", "Net Income": "-22", "Comprehensive Net Income": "-22", "BaseVar": "122,838", "ECR before LimitedLiability": "84%", "Economic Capital Ratio": "146%"}}}, "top_rated": true, "trend": 0.0, "valuation": {"past_accumulated_profits": 4012500.0, "future_profits": 255265.514542255, "valuation_correction": 689.173835757561, "limited_liability_put_option": 3146878.1291125775, "fair_value": 7415332.817490589, "market_value": 10205784.69596076}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001584831.svg", "value": 1.4196891219709227, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001584831.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001584831.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001584831.svg"}, {"company_id": "0000776867", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000776867.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0000776867.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000776867.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000776867_256x256.png", "name": "White Mountains Insurance Group Ltd", "rank": 3, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0000776867.svg", "report_text": "The relative strengths and weaknesses of White Mountains Insurance Group Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of White Mountains Insurance Group Ltd compared to the market average is the variable Stockholders Equity, increasing the Economic Capital Ratio by 37% points.The greatest weakness of White Mountains Insurance Group Ltd is the variable Long Term Debt, reducing the Economic Capital Ratio by 6.1% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 132%, being 35% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000776867_2021_White_Mountains_Insurance_Group_Ltd.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.625", "Assets": "-1.69", "Liabilities": "6.40", "Stockholders Equity": "3.68", "ECR before LimitedLiability": "0.928", "Assets, Current": "-1.47", "Investments": "1.22", "Intangible Assets": "-0.881", "Assets, Non-Current": "1.01", "Separate Account Asset": "-3.90", "Reinsurance Recoverables": "-1.14", "Other Assets": "4.39", "Liabilities Current": "0.425", "Reinsurance Payable": "-1.08", "Other Liabilities": "-19.7", "Unearned Premiums": "-0.808", "Long Term Debt": "1.45", "Policyholder Contract Deposits": "7.13", "Claims Reserve and LAE": "13.8", "Economic Capital Ratio": "1.04", "Premiums Earned": "-0.334"}, "2011": {"Reinsurance Recoverables": "-1.15", "Assets": "17.4", "Liabilities": "-10.5", "Stockholders Equity": "10.0", "ECR before LimitedLiability": "2.57", "Intangible Assets": "-0.428", "Assets, Non-Current": "1.38", "Other Assets": "10.9", "Separate Account Asset": "-2.47", "Assets, Current": "-0.947", "Premiums Receivable": "0.354", "Deferred Policy Acquisition Costs": "-0.248", "Investments": "10.2", "Long Term Debt": "-2.04", "Other Liabilities": "-24.0", "Unearned Premiums": "0.517", "Policyholder Contract Deposits": "4.69", "Claims Reserve and LAE": "7.39", "Reinsurance Payable": "-0.454", "Economic Capital Ratio": "2.73", "Premiums Earned": "-0.213"}, "2012": {"Assets, Current": "-1.32", "Assets": "12.1", "Liabilities": "-4.80", "Stockholders Equity": "8.94", "ECR before LimitedLiability": "2.65", "Separate Account Asset": "-2.93", "Other Assets": "12.6", "Intangible Assets": "-0.496", "Reinsurance Recoverables": "-1.29", "Assets, Non-Current": "0.975", "Investments": "4.75", "Premiums Receivable": "0.562", "Reinsurance Payable": "-0.361", "Other Liabilities": "-19.6", "Claims Reserve and LAE": "8.43", "Unearned Premiums": "0.616", "Long Term Debt": "-2.55", "Policyholder Contract Deposits": "5.53", "Liabilities Current": "0.274", "Economic Capital Ratio": "2.82", "Premiums Earned": "-0.137"}, "2020": {"Intangible Assets": "-0.390", "Assets": "4.65", "Liabilities": "30.7", "Stockholders Equity": "36.8", "ECR before LimitedLiability": "34.2", "Assets, Current": "-1.27", "Other Assets": "5.06", "Deferred Policy Acquisition Costs": "-0.363", "Reinsurance Recoverables": "-0.793", "Investments": "4.91", "Premiums Receivable": "-0.661", "Assets, Non-Current": "-0.455", "Other Liabilities": "5.28", "Long Term Debt": "-6.12", "Reinsurance Payable": "1.58", "Claims Reserve and LAE": "20.9", "Policyholder Contract Deposits": "3.58", "Liabilities Current": "0.570", "Unearned Premiums": "7.54", "Economic Capital Ratio": "34.9", "Other Revenues": "-0.491"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0000776867_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "779,400", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "210,800", "General and Administrative Expense": "624,500", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "228,500", "Investments": "8,732,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,991,300", "Other Compr. Net Income": "-4,900", "Other Expenses": "749,000", "Other Liabilities": "8,824,000", "Other Net Income": "9,900", "Other Revenues": "180,200", "Policyholder Benefits and Claims": "2,068,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,162,400", "Premiums Receivable": "635,400", "Reinsurance Payable": "309,000", "Reinsurance Recoverables": "184,700", "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": "1,140,300"}, "output_variables": {"Assets": "14,534,100", "Liabilities": "10,273,300", "Expenses": "3,441,500", "Revenues": "3,571,100", "Stockholders Equity": "4,260,800", "Net Income": "139,500", "Comprehensive Net Income": "137,050", "BaseVar": "119,203,092", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "681,900", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "187,000", "General and Administrative Expense": "454,400", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "184,500", "Investments": "8,268,000", "Liabilities Current": "0", "Long Term Debt": "671,200", "Other Assets": "4,350,600", "Other Compr. Net Income": "-38,700", "Other Expenses": "332,500", "Other Liabilities": "7,700,500", "Other Net Income": "-33,200", "Other Revenues": "65,800", "Policyholder Benefits and Claims": "1,206,900", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,927,800", "Premiums Receivable": "489,200", "Reinsurance Payable": "177,500", "Reinsurance Recoverables": "87,300", "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": "846,900"}, "output_variables": {"Assets": "14,064,000", "Liabilities": "9,396,100", "Expenses": "1,993,800", "Revenues": "2,178,100", "Stockholders Equity": "4,667,900", "Net Income": "151,100", "Comprehensive Net Income": "131,750", "BaseVar": "118,896,717", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "503,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "195,300", "General and Administrative Expense": "504,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "153,600", "Investments": "7,278,100", "Liabilities Current": "0", "Long Term Debt": "751,200", "Other Assets": "4,270,900", "Other Compr. Net Income": "14,800", "Other Expenses": "459,300", "Other Liabilities": "6,801,700", "Other Net Income": "5,900", "Other Revenues": "218,500", "Policyholder Benefits and Claims": "1,193,900", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,063,600", "Premiums Receivable": "556,300", "Reinsurance Payable": "160,200", "Reinsurance Recoverables": "91,800", "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": "924,100"}, "output_variables": {"Assets": "12,895,400", "Liabilities": "8,637,200", "Expenses": "2,157,200", "Revenues": "2,435,700", "Stockholders Equity": "4,258,200", "Net Income": "284,400", "Comprehensive Net Income": "291,800", "BaseVar": "144,882,579", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "7,000", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "421,258", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "20,934", "Investments": "2,939,100", "Liabilities Current": "0", "Long Term Debt": "376,400", "Other Assets": "1,892,300", "Other Compr. Net Income": "41,175", "Other Expenses": "226,872", "Other Liabilities": "637,100", "Other Net Income": "1,048", "Other Revenues": "820,390", "Policyholder Benefits and Claims": "312,939", "Policyholder Contract Deposits": "0", "Premiums Earned": "541,053", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,400,829", "Revenues Y+2": "1,434,413", "Revenues Y+3": "1,362,928", "Revenues Y+4": "1,420,826", "Revenues Y+5": "1,382,378", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "4,831,400", "Liabilities": "1,013,500", "Expenses": "968,068", "Revenues": "1,382,378", "Stockholders Equity": "3,817,900", "Net Income": "415,357", "Comprehensive Net Income": "435,944", "BaseVar": "131,560,515", "ECR before LimitedLiability": "119%", "Economic Capital Ratio": "170%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 1908950000.0, "future_profits": 1562290253.5381618, "valuation_correction": 409872.32267119514, "limited_liability_put_option": 1491490894.7001057, "fair_value": 4963141020.560939, "market_value": 3086441968.167328}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000776867.svg", "value": 1.3153047385037318, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000776867.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000776867.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000776867.svg"}, {"company_id": "0001448893", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001448893.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 4, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 36% points.The greatest weakness of Essent Group Ltd is the variable Other Assets, reducing the Economic Capital Ratio by 1.8% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 127%, being 30% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001448893_2021_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"}, "2017": {"Assets": "19.9", "Stockholders Equity": "37.8", "ECR before LimitedLiability": "30.0", "Premiums Receivable": "-0.761", "Investments": "26.2", "Assets, Current": "-0.697", "Other Assets": "1.46", "Reinsurance Recoverables": "-0.903", "Claims Reserve and LAE": "15.4", "Liabilities": "9.28", "Liabilities Current": "0.451", "Long Term Debt": "2.35", "Policyholder Contract Deposits": "1.54", "Reinsurance Payable": "0.569", "Other Liabilities": "-9.93", "Unearned Premiums": "-2.58", "Other Expenses": "0.460", "Expenses": "-0.410", "Policyholder Benefits and Claims": "-0.471", "Economic Capital Ratio": "30.3", "Premiums Earned": "-0.436"}, "2018": {"Assets": "13.8", "Stockholders Equity": "38.3", "ECR before LimitedLiability": "32.3", "Reinsurance Recoverables": "-0.766", "Assets, Current": "-0.790", "Intangible Assets": "-0.545", "Other Assets": "1.19", "Investments": "20.7", "Premiums Receivable": "-0.770", "Other Liabilities": "-5.47", "Liabilities": "16.7", "Liabilities Current": "0.626", "Long Term Debt": "2.43", "Reinsurance Payable": "0.730", "Unearned Premiums": "-1.23", "Policyholder Contract Deposits": "2.04", "Claims Reserve and LAE": "17.2", "Economic Capital Ratio": "32.7", "Other Expenses": "0.527", "Premiums Earned": "-0.476", "Policyholder Benefits and Claims": "-0.517"}, "2019": {"Premiums Receivable": "-0.679", "Assets": "8.92", "Stockholders Equity": "36.4", "ECR before LimitedLiability": "32.9", "Investments": "21.6", "Intangible Assets": "-0.376", "Other Assets": "-1.18", "Reinsurance Recoverables": "-0.656", "Assets, Current": "-1.39", "Policyholder Contract Deposits": "2.31", "Liabilities": "22.0", "Reinsurance Payable": "1.04", "Long Term Debt": "3.73", "Liabilities Current": "0.507", "Other Liabilities": "0.971", "Claims Reserve and LAE": "15.5", "Unearned Premiums": "-0.620", "Economic Capital Ratio": "33.5", "Policyholder Benefits and Claims": "-0.280", "Other Expenses": "0.305", "Premiums Earned": "-0.345"}, "2020": {"Intangible Assets": "-0.384", "Assets": "10.6", "Liabilities": "19.2", "Stockholders Equity": "35.6", "ECR before LimitedLiability": "29.5", "Assets, Current": "-1.26", "Other Assets": "-1.82", "Deferred Policy Acquisition Costs": "-0.277", "Reinsurance Recoverables": "-0.784", "Separate Account Asset": "-0.303", "Investments": "25.6", "Premiums Receivable": "-0.652", "Other Liabilities": "1.77", "Long Term Debt": "1.71", "Reinsurance Payable": "1.27", "Claims Reserve and LAE": "11.1", "Policyholder Contract Deposits": "2.87", "Liabilities Current": "0.456", "Unearned Premiums": "1.54", "Economic Capital Ratio": "30.2", "Other Expenses": "0.229"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "15,709", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "15,354", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "104,326", "Investments": "2,305,065", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "338,240", "Other Compr. Net Income": "-739", "Other Expenses": "188,397", "Other Liabilities": "474,260", "Other Net Income": "0", "Other Revenues": "3,139", "Policyholder Benefits and Claims": "116", "Policyholder Contract Deposits": "0", "Premiums Earned": "689,926", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "655,028", "Revenues Y+2": "708,640", "Revenues Y+3": "746,698", "Revenues Y+4": "775,061", "Revenues Y+5": "797,391", "Separate Account Asset": "0", "Unearned Premiums": "259,672"}, "output_variables": {"Assets": "2,674,368", "Liabilities": "733,932", "Expenses": "188,513", "Revenues": "797,391", "Stockholders Equity": "1,940,436", "Net Income": "608,878", "Comprehensive Net Income": "608,509", "BaseVar": "22,259,189", "ECR before LimitedLiability": "168%", "Economic Capital Ratio": "202%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "21,065", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "16,049", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "181,214", "Investments": "2,791,018", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "321,839", "Other Compr. Net Income": "8,000", "Other Expenses": "266,225", "Other Liabilities": "488,787", "Other Net Income": "0", "Other Revenues": "4,610", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "874,091", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "825,059", "Revenues Y+2": "905,191", "Revenues Y+3": "967,684", "Revenues Y+4": "1,018,003", "Revenues Y+5": "1,059,915", "Separate Account Asset": "0", "Unearned Premiums": "295,467"}, "output_variables": {"Assets": "3,149,971", "Liabilities": "784,254", "Expenses": "266,225", "Revenues": "1,059,915", "Stockholders Equity": "2,365,717", "Net Income": "793,690", "Comprehensive Net Income": "797,690", "BaseVar": "25,538,481", "ECR before LimitedLiability": "181%", "Economic Capital Ratio": "212%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "35,675", "Claims Reserve and LAE": "69,362", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "15,705", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "193,461", "Investments": "3,429,620", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "392,425", "Other Compr. Net Income": "-25,673", "Other Expenses": "337,802", "Other Liabilities": "540,331", "Other Net Income": "0", "Other Revenues": "2,854", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,067,749", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "984,197", "Revenues Y+2": "1,076,909", "Revenues Y+3": "1,151,639", "Revenues Y+4": "1,212,894", "Revenues Y+5": "1,264,064", "Separate Account Asset": "0", "Unearned Premiums": "278,887"}, "output_variables": {"Assets": "3,873,425", "Liabilities": "888,580", "Expenses": "337,802", "Revenues": "1,264,064", "Stockholders Equity": "2,984,845", "Net Income": "926,262", "Comprehensive Net Income": "913,425", "BaseVar": "46,132,045", "ECR before LimitedLiability": "181%", "Economic Capital Ratio": "211%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "55,888", "Claims Reserve and LAE": "374,941", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "17,005", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "75,535", "Investments": "4,654,277", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "475,554", "Other Compr. Net Income": "82,892", "Other Expenses": "1,008,867", "Other Liabilities": "714,714", "Other Net Income": "0", "Other Revenues": "10,348", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,048,348", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,015,560", "Revenues Y+2": "1,059,809", "Revenues Y+3": "1,092,429", "Revenues Y+4": "1,116,489", "Revenues Y+5": "1,134,231", "Separate Account Asset": "0", "Unearned Premiums": "250,436"}, "output_variables": {"Assets": "5,202,724", "Liabilities": "1,340,091", "Expenses": "1,008,867", "Revenues": "1,134,231", "Stockholders Equity": "3,862,633", "Net Income": "125,364", "Comprehensive Net Income": "166,810", "BaseVar": "122,948,285", "ECR before LimitedLiability": "76%", "Economic Capital Ratio": "141%"}}}, "top_rated": true, "trend": -1.0, "valuation": {"past_accumulated_profits": 1931316500.0, "future_profits": 564204183.3322129, "valuation_correction": -3157585.9853769313, "limited_liability_put_option": 2104121530.0166037, "fair_value": 4596484627.36344, "market_value": 4457002210.943268}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001448893.svg", "value": 1.2680466255233709, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001448893.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001448893.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001448893.svg"}, {"company_id": "0000720858", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000720858.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 5, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 51% points.The greatest weakness of Investors Title CO 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 124%, being 27% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000720858_2021_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"}, "2017": {"Separate Account Asset": "-0.664", "Assets": "-15.7", "Liabilities": "48.3", "Stockholders Equity": "3.30", "ECR before LimitedLiability": "29.5", "Premiums Receivable": "-1.83", "Investments": "-9.97", "Intangible Assets": "-1.52", "Other Assets": "-4.67", "Deferred Policy Acquisition Costs": "-1.33", "Reinsurance Recoverables": "-3.28", "Claims Reserve and LAE": "47.3", "Liabilities Current": "1.70", "Long Term Debt": "8.62", "Policyholder Contract Deposits": "5.73", "Reinsurance Payable": "2.15", "Other Liabilities": "2.38", "Unearned Premiums": "23.0", "Economic Capital Ratio": "29.8", "General and Administrative Expense": "0.734", "Other Revenues": "-1.28"}, "2018": {"Assets": "-16.2", "Liabilities": "48.6", "Stockholders Equity": "1.90", "ECR before LimitedLiability": "29.8", "Reinsurance Recoverables": "-2.72", "Intangible Assets": "-1.97", "Deferred Policy Acquisition Costs": "-1.52", "Other Assets": "-3.00", "Separate Account Asset": "-1.00", "Investments": "-11.6", "Premiums Receivable": "-1.56", "Other Liabilities": "7.09", "Liabilities Current": "2.10", "Long Term Debt": "7.96", "Reinsurance Payable": "2.44", "Unearned Premiums": "24.0", "Policyholder Contract Deposits": "6.70", "Claims Reserve and LAE": "47.5", "Economic Capital Ratio": "30.1", "Other Revenues": "-1.60", "General and Administrative Expense": "1.03"}, "2019": {"Premiums Receivable": "-1.60", "Assets": "-18.4", "Liabilities": "50.6", "Stockholders Equity": "-10.4", "ECR before LimitedLiability": "28.6", "Deferred Policy Acquisition Costs": "-1.45", "Investments": "-11.4", "Assets, Non-Current": "-0.943", "Intangible Assets": "-1.54", "Separate Account Asset": "-1.13", "Other Assets": "-9.26", "Reinsurance Recoverables": "-2.61", "Assets, Current": "-3.21", "Policyholder Contract Deposits": "7.93", "Reinsurance Payable": "3.65", "Long Term Debt": "12.6", "Liabilities Current": "1.79", "Other Liabilities": "23.7", "Claims Reserve and LAE": "48.7", "Unearned Premiums": "21.1", "Economic Capital Ratio": "29.2"}, "2020": {"Intangible Assets": "-1.96", "Assets": "-22.0", "Liabilities": "51.4", "Stockholders Equity": "-20.5", "ECR before LimitedLiability": "26.3", "Assets, Current": "-4.86", "Other Assets": "-12.6", "Deferred Policy Acquisition Costs": "-1.83", "Reinsurance Recoverables": "-3.81", "Separate Account Asset": "-1.56", "Investments": "-14.9", "Premiums Receivable": "-1.59", "Assets, Non-Current": "-1.15", "Other Liabilities": "35.9", "Long Term Debt": "7.84", "Reinsurance Payable": "5.84", "Claims Reserve and LAE": "48.3", "Policyholder Contract Deposits": "12.8", "Liabilities Current": "2.14", "Unearned Premiums": "25.6", "Economic Capital Ratio": "26.9"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "20,214", "Assets, Non-Current": "10,173", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "114,220", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "186,520", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "21,846", "Other Compr. Net Income": "4,558", "Other Expenses": "22,299", "Other Liabilities": "70,992", "Other Net Income": "0", "Other Revenues": "171,628", "Policyholder Benefits and Claims": "2,191", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "10,160", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "168,635", "Revenues Y+2": "170,743", "Revenues Y+3": "171,378", "Revenues Y+4": "171,570", "Revenues Y+5": "171,628", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "248,913", "Liabilities": "70,992", "Expenses": "138,710", "Revenues": "171,628", "Stockholders Equity": "177,920", "Net Income": "32,918", "Comprehensive Net Income": "35,197", "BaseVar": "6,720,294", "ECR before LimitedLiability": "130%", "Economic Capital Ratio": "177%"}}, "2018": {"input_variables": {"Assets, Current": "18,694", "Assets, Non-Current": "11,763", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "124,007", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "182,669", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "19,014", "Other Compr. Net Income": "974", "Other Expenses": "10,165", "Other Liabilities": "68,629", "Other Net Income": "0", "Other Revenues": "154,249", "Policyholder Benefits and Claims": "1,108", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "12,128", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "154,793", "Revenues Y+2": "154,395", "Revenues Y+3": "154,286", "Revenues Y+4": "154,257", "Revenues Y+5": "154,249", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "244,268", "Liabilities": "68,629", "Expenses": "135,279", "Revenues": "154,249", "Stockholders Equity": "175,639", "Net Income": "18,969", "Comprehensive Net Income": "19,456", "BaseVar": "5,288,995", "ECR before LimitedLiability": "98%", "Economic Capital Ratio": "156%"}}, "2019": {"input_variables": {"Assets, Current": "25,949", "Assets, Non-Current": "11,263", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "134,369", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "192,862", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "21,296", "Other Compr. Net Income": "680", "Other Expenses": "18,077", "Other Liabilities": "72,531", "Other Net Income": "0", "Other Revenues": "192,861", "Policyholder Benefits and Claims": "1,885", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "12,523", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "190,474", "Revenues Y+2": "192,258", "Revenues Y+3": "192,715", "Revenues Y+4": "192,831", "Revenues Y+5": "192,861", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "263,893", "Liabilities": "72,531", "Expenses": "154,331", "Revenues": "192,861", "Stockholders Equity": "191,362", "Net Income": "38,531", "Comprehensive Net Income": "38,871", "BaseVar": "9,519,628", "ECR before LimitedLiability": "136%", "Economic Capital Ratio": "181%"}}, "2020": {"input_variables": {"Assets, Current": "13,723", "Assets, Non-Current": "12,720", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "191,184", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "213,295", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "23,760", "Other Compr. Net Income": "1,580", "Other Expenses": "20,617", "Other Liabilities": "82,503", "Other Net Income": "0", "Other Revenues": "268,071", "Policyholder Benefits and Claims": "4,603", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "19,427", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "256,310", "Revenues Y+2": "263,797", "Revenues Y+3": "266,613", "Revenues Y+4": "267,673", "Revenues Y+5": "268,071", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "282,925", "Liabilities": "82,503", "Expenses": "216,404", "Revenues": "268,071", "Stockholders Equity": "200,422", "Net Income": "51,667", "Comprehensive Net Income": "52,457", "BaseVar": "26,314,753", "ECR before LimitedLiability": "155%", "Economic Capital Ratio": "194%"}}}, "top_rated": true, "trend": -1.0, "valuation": {"past_accumulated_profits": 100211000.0, "future_profits": 183123490.39542767, "valuation_correction": -81662.16427651406, "limited_liability_put_option": 70740084.36119439, "fair_value": 353992912.59234554, "market_value": 226128019.6231346}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000720858.svg", "value": 1.2358034006281373, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000720858.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000720858.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000720858.svg"}, {"company_id": "0001371285", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001371285.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 6, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 51% points.The greatest weakness of Trupanion INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 121%, being 25% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001371285_2021_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"}, "2017": {"Separate Account Asset": "-2.37", "Assets": "-41.2", "Liabilities": "31.8", "Stockholders Equity": "-58.2", "ECR before LimitedLiability": "6.78", "Premiums Receivable": "-9.26", "Investments": "-38.1", "Intangible Assets": "-3.66", "Assets, Current": "25.1", "Other Assets": "-17.7", "Deferred Policy Acquisition Costs": "-4.64", "Reinsurance Recoverables": "-10.7", "Assets, Non-Current": "-3.26", "Claims Reserve and LAE": "27.6", "Liabilities Current": "-35.6", "Long Term Debt": "9.32", "Policyholder Contract Deposits": "10.6", "Reinsurance Payable": "4.06", "Other Liabilities": "25.5", "Unearned Premiums": "25.0", "Economic Capital Ratio": "7.07"}, "2018": {"Assets, Non-Current": "8.73", "Assets": "-27.6", "Liabilities": "41.7", "Stockholders Equity": "-26.6", "ECR before LimitedLiability": "19.8", "Reinsurance Recoverables": "-5.06", "Assets, Current": "19.0", "Intangible Assets": "-2.61", "Deferred Policy Acquisition Costs": "-2.88", "Other Assets": "-7.15", "Investments": "-26.6", "Premiums Receivable": "-5.08", "Other Liabilities": "37.6", "Liabilities Current": "-27.5", "Long Term Debt": "5.83", "Reinsurance Payable": "3.51", "Unearned Premiums": "32.5", "Policyholder Contract Deposits": "9.51", "Claims Reserve and LAE": "38.3", "Economic Capital Ratio": "20.1", "Other Revenues": "-2.25"}, "2019": {"Premiums Receivable": "-5.11", "Assets": "-32.7", "Liabilities": "35.0", "Stockholders Equity": "-37.6", "ECR before LimitedLiability": "10.7", "Deferred Policy Acquisition Costs": "-2.78", "Investments": "-29.1", "Assets, Non-Current": "7.10", "Intangible Assets": "-1.92", "Separate Account Asset": "-2.17", "Other Assets": "-17.2", "Reinsurance Recoverables": "-4.96", "Assets, Current": "14.6", "Policyholder Contract Deposits": "8.94", "Reinsurance Payable": "4.14", "Long Term Debt": "6.49", "Liabilities Current": "-31.5", "Other Liabilities": "31.4", "Claims Reserve and LAE": "31.5", "Unearned Premiums": "23.4", "Economic Capital Ratio": "11.3"}, "2020": {"Intangible Assets": "0.633", "Assets": "-26.2", "Liabilities": "51.1", "Stockholders Equity": "-39.8", "ECR before LimitedLiability": "23.9", "Assets, Current": "13.9", "Other Assets": "-16.3", "Deferred Policy Acquisition Costs": "-2.52", "Reinsurance Recoverables": "-5.15", "Separate Account Asset": "-2.16", "Investments": "-23.2", "Premiums Receivable": "-4.38", "Assets, Non-Current": "0.874", "Other Liabilities": "46.2", "Long Term Debt": "9.42", "Reinsurance Payable": "7.44", "Claims Reserve and LAE": "46.5", "Policyholder Contract Deposits": "16.2", "Liabilities Current": "-29.3", "Unearned Premiums": "31.6", "Economic Capital Ratio": "24.6"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "86,558", "Assets, Non-Current": "7,868", "Claims Reserve and LAE": "12,756", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "16,963", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,972", "Investment Income": "0", "Investments": "0", "Liabilities Current": "45,866", "Long Term Debt": "10,557", "Other Assets": "6,461", "Other Compr. Net Income": "230", "Other Expenses": "58,830", "Other Liabilities": "-11,754", "Other Net Income": "834", "Other Revenues": "285,165", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "266,763", "Revenues Y+2": "277,429", "Revenues Y+3": "282,150", "Revenues Y+4": "284,240", "Revenues Y+5": "285,165", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "105,859", "Liabilities": "57,425", "Expenses": "75,793", "Revenues": "285,165", "Stockholders Equity": "48,434", "Net Income": "210,206", "Comprehensive Net Income": "210,321", "BaseVar": "7,623,762", "ECR before LimitedLiability": "885%", "Economic Capital Ratio": "885%"}}, "2018": {"input_variables": {"Assets, Current": "117,976", "Assets, Non-Current": "69,803", "Claims Reserve and LAE": "16,062", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "18,298", "Insurance Commissions and Fees": "0", "Intangible Assets": "8,071", "Investment Income": "0", "Investments": "0", "Liabilities Current": "63,203", "Long Term Debt": "14,132", "Other Assets": "11,660", "Other Compr. Net Income": "-245", "Other Expenses": "75,390", "Other Liabilities": "-15,060", "Other Net Income": "1,291", "Other Revenues": "374,797", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "337,593", "Revenues Y+2": "356,053", "Revenues Y+3": "366,185", "Revenues Y+4": "371,745", "Revenues Y+5": "374,797", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "207,510", "Liabilities": "78,337", "Expenses": "93,688", "Revenues": "374,797", "Stockholders Equity": "129,173", "Net Income": "282,400", "Comprehensive Net Income": "282,278", "BaseVar": "8,447,195", "ECR before LimitedLiability": "682%", "Economic Capital Ratio": "682%"}}, "2019": {"input_variables": {"Assets, Current": "158,821", "Assets, Non-Current": "70,372", "Claims Reserve and LAE": "21,194", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "21,306", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,731", "Investment Income": "0", "Investments": "0", "Liabilities Current": "91,625", "Long Term Debt": "27,697", "Other Assets": "20,276", "Other Compr. Net Income": "-657", "Other Expenses": "48,733", "Other Liabilities": "-20,076", "Other Net Income": "1,286", "Other Revenues": "525,949", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "437,785", "Revenues Y+2": "474,040", "Revenues Y+3": "498,449", "Revenues Y+4": "514,884", "Revenues Y+5": "525,949", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "257,200", "Liabilities": "120,440", "Expenses": "70,039", "Revenues": "525,949", "Stockholders Equity": "136,760", "Net Income": "457,196", "Comprehensive Net Income": "456,867", "BaseVar": "16,262,206", "ECR before LimitedLiability": "812%", "Economic Capital Ratio": "812%"}}, "2020": {"input_variables": {"Assets, Current": "337,027", "Assets, Non-Current": "72,602", "Claims Reserve and LAE": "28,929", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "21,962", "Insurance Commissions and Fees": "0", "Intangible Assets": "60,179", "Investment Income": "0", "Investments": "0", "Liabilities Current": "150,399", "Long Term Debt": "3,207", "Other Assets": "28,442", "Other Compr. Net Income": "3,228", "Other Expenses": "48,262", "Other Liabilities": "-24,224", "Other Net Income": "675", "Other Revenues": "873,271", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "602,303", "Revenues Y+2": "687,449", "Revenues Y+3": "759,749", "Revenues Y+4": "821,141", "Revenues Y+5": "873,271", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "498,250", "Liabilities": "158,311", "Expenses": "70,223", "Revenues": "873,271", "Stockholders Equity": "339,939", "Net Income": "803,723", "Comprehensive Net Income": "805,337", "BaseVar": "51,263,644", "ECR before LimitedLiability": "797%", "Economic Capital Ratio": "797%"}}}, "top_rated": true, "trend": 4.0, "valuation": {"past_accumulated_profits": 169969500.0, "future_profits": 2446899061.5095334, "valuation_correction": -1735213.1008888534, "limited_liability_put_option": 5.253079158767271, "fair_value": 2615133353.6617236, "market_value": 4261424338.067093}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001371285.svg", "value": 1.2120732681295445, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001371285.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001371285.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001371285.svg"}, {"company_id": "0001691421", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001691421.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001691421.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001691421.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001691421_256x256.png", "name": "Lemonade Inc", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001691421.svg", "report_text": "The relative strengths and weaknesses of Lemonade Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Lemonade Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 25% points.The greatest weakness of Lemonade Inc is the variable Investments, reducing the Economic Capital Ratio by 9.9% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 119%, being 22% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001691421_2021_Lemonade_Inc.pdf", "shrinked_graph_json": {"2020": {"Intangible Assets": "-0.580", "Assets": "5.05", "Liabilities": "19.2", "Stockholders Equity": "24.7", "ECR before LimitedLiability": "21.5", "Assets, Current": "-1.89", "Other Assets": "24.9", "Deferred Policy Acquisition Costs": "-0.413", "Reinsurance Recoverables": "4.52", "Separate Account Asset": "-0.458", "Investments": "-9.87", "Premiums Receivable": "2.35", "Other Liabilities": "10.5", "Long Term Debt": "1.92", "Reinsurance Payable": "-5.42", "Claims Reserve and LAE": "14.8", "Policyholder Contract Deposits": "3.22", "Liabilities Current": "0.513", "Unearned Premiums": "-6.51", "Economic Capital Ratio": "22.2", "Other Expenses": "0.307"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001691421_strength_weakness.svg", "table_records": {"2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "20,200", "Claims Reserve and LAE": "46,300", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,500", "General and Administrative Expense": "46,300", "Insurance Commissions and Fees": "300", "Intangible Assets": "0", "Investment Income": "1,500", "Investments": "6,600", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "572,000", "Other Compr. Net Income": "1,700", "Other Expenses": "170,400", "Other Liabilities": "55,500", "Other Net Income": "0", "Other Revenues": "15,300", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "77,300", "Premiums Receivable": "86,100", "Reinsurance Payable": "62,100", "Reinsurance Recoverables": "140,300", "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": "123,800"}, "output_variables": {"Assets": "828,700", "Liabilities": "287,700", "Expenses": "216,700", "Revenues": "94,400", "Stockholders Equity": "541,000", "Net Income": "-122,300", "Comprehensive Net Income": "-121,450", "BaseVar": "17,375,404", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "119%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 270500000.0, "future_profits": 0.0, "valuation_correction": -3032682.2378883646, "limited_liability_put_option": 395871402.91038036, "fair_value": 663338720.672492, "market_value": 6717861645.779823}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001691421.svg", "value": 1.1883531362817845, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001691421.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001691421.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001691421.svg"}, {"company_id": "0000876437", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000876437.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 8, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Investments, increasing the Economic Capital Ratio by 39% points.The greatest weakness of MGIC Investment CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 6.5% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 117%, being 20% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000876437_2021_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"}, "2017": {"Assets": "22.6", "Stockholders Equity": "23.8", "ECR before LimitedLiability": "15.8", "Premiums Receivable": "-0.756", "Investments": "-10.0", "Intangible Assets": "-0.577", "Other Assets": "40.1", "Deferred Policy Acquisition Costs": "-0.383", "Reinsurance Recoverables": "-1.29", "Claims Reserve and LAE": "0.660", "Liabilities": "-3.34", "Liabilities Current": "0.406", "Long Term Debt": "2.11", "Policyholder Contract Deposits": "1.39", "Reinsurance Payable": "0.512", "Other Liabilities": "-9.34", "Unearned Premiums": "0.451", "Expenses": "-0.487", "Policyholder Benefits and Claims": "-0.377", "Economic Capital Ratio": "16.1", "Other Compr. Net Income": "0.553"}, "2018": {"Assets": "20.2", "Stockholders Equity": "29.0", "ECR before LimitedLiability": "21.2", "Reinsurance Recoverables": "-0.943", "Intangible Assets": "-0.670", "Deferred Policy Acquisition Costs": "-0.410", "Other Assets": "-0.836", "Investments": "30.4", "Premiums Receivable": "-0.640", "Other Liabilities": "-7.57", "Liabilities": "3.19", "Liabilities Current": "0.519", "Long Term Debt": "2.02", "Reinsurance Payable": "0.605", "Unearned Premiums": "0.394", "Policyholder Contract Deposits": "1.69", "Claims Reserve and LAE": "5.09", "Policyholder Benefits and Claims": "-0.468", "Expenses": "-0.588", "Economic Capital Ratio": "21.6", "Premiums Earned": "-0.380"}, "2019": {"Premiums Receivable": "-0.429", "Assets": "19.1", "Liabilities": "6.66", "Stockholders Equity": "33.2", "ECR before LimitedLiability": "25.0", "Investments": "37.7", "Intangible Assets": "-0.376", "Separate Account Asset": "-0.274", "Other Assets": "-2.93", "Reinsurance Recoverables": "-0.657", "Assets, Current": "-0.690", "Policyholder Contract Deposits": "1.71", "Reinsurance Payable": "0.774", "Long Term Debt": "2.78", "Liabilities Current": "0.376", "Other Liabilities": "-3.62", "Claims Reserve and LAE": "5.33", "Unearned Premiums": "-0.743", "Expenses": "-0.331", "Economic Capital Ratio": "25.6", "Premiums Earned": "-0.330"}, "2020": {"Intangible Assets": "-0.410", "Assets": "20.0", "Liabilities": "3.64", "Stockholders Equity": "29.5", "ECR before LimitedLiability": "19.8", "Other Assets": "-3.52", "Deferred Policy Acquisition Costs": "-0.290", "Reinsurance Recoverables": "-0.839", "Separate Account Asset": "-0.324", "Investments": "38.6", "Premiums Receivable": "-0.462", "Assets, Non-Current": "0.173", "Other Liabilities": "-6.47", "Long Term Debt": "1.31", "Reinsurance Payable": "0.964", "Claims Reserve and LAE": "3.68", "Policyholder Contract Deposits": "2.19", "Liabilities Current": "0.347", "Unearned Premiums": "1.33", "Economic Capital Ratio": "20.5", "Premiums Earned": "-0.160"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "99,851", "Assets, Non-Current": "123,414", "Claims Reserve and LAE": "985,635", "Deferred Acquisition Costs Amortization": "10,936", "Deferred Policy Acquisition Costs": "18,841", "General and Administrative Expense": "159,629", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "121,583", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,323,348", "Other Compr. Net Income": "-343,686", "Other Expenses": "102,018", "Other Liabilities": "1,086,404", "Other Net Income": "0", "Other Revenues": "14,592", "Policyholder Benefits and Claims": "56,042", "Policyholder Contract Deposits": "0", "Premiums Earned": "934,869", "Premiums Receivable": "54,045", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,072,399", "Revenues Y+2": "1,070,531", "Revenues Y+3": "1,071,192", "Revenues Y+4": "1,070,966", "Revenues Y+5": "1,071,044", "Separate Account Asset": "0", "Unearned Premiums": "392,934"}, "output_variables": {"Assets": "5,619,499", "Liabilities": "2,464,973", "Expenses": "328,626", "Revenues": "1,071,044", "Stockholders Equity": "3,154,526", "Net Income": "742,418", "Comprehensive Net Income": "570,575", "BaseVar": "40,362,152", "ECR before LimitedLiability": "87%", "Economic Capital Ratio": "148%"}}, "2018": {"input_variables": {"Assets, Current": "151,892", "Assets, Non-Current": "137,306", "Claims Reserve and LAE": "674,019", "Deferred Acquisition Costs Amortization": "11,847", "Deferred Policy Acquisition Costs": "17,888", "General and Administrative Expense": "178,253", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "142,819", "Investments": "5,159,019", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "156,607", "Other Compr. Net Income": "-284,061", "Other Expenses": "54,261", "Other Liabilities": "1,011,907", "Other Net Income": "0", "Other Revenues": "8,144", "Policyholder Benefits and Claims": "36,763", "Policyholder Contract Deposits": "0", "Premiums Earned": "975,691", "Premiums Receivable": "55,090", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,126,811", "Revenues Y+2": "1,126,551", "Revenues Y+3": "1,126,681", "Revenues Y+4": "1,126,639", "Revenues Y+5": "1,126,654", "Separate Account Asset": "0", "Unearned Premiums": "409,985"}, "output_variables": {"Assets": "5,677,802", "Liabilities": "2,095,911", "Expenses": "281,124", "Revenues": "1,126,654", "Stockholders Equity": "3,581,891", "Net Income": "845,530", "Comprehensive Net Income": "703,500", "BaseVar": "33,777,989", "ECR before LimitedLiability": "107%", "Economic Capital Ratio": "162%"}}, "2019": {"input_variables": {"Assets, Current": "161,847", "Assets, Non-Current": "149,468", "Claims Reserve and LAE": "555,334", "Deferred Acquisition Costs Amortization": "11,994", "Deferred Policy Acquisition Costs": "18,531", "General and Administrative Expense": "182,786", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "169,101", "Investments": "5,758,320", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "85,818", "Other Compr. Net Income": "-33,681", "Other Expenses": "52,760", "Other Liabilities": "984,701", "Other Net Income": "0", "Other Revenues": "13,743", "Policyholder Benefits and Claims": "117,588", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,031,810", "Premiums Receivable": "55,587", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,213,750", "Revenues Y+2": "1,214,910", "Revenues Y+3": "1,214,576", "Revenues Y+4": "1,214,694", "Revenues Y+5": "1,214,654", "Separate Account Asset": "0", "Unearned Premiums": "380,302"}, "output_variables": {"Assets": "6,229,571", "Liabilities": "1,920,337", "Expenses": "365,128", "Revenues": "1,214,654", "Stockholders Equity": "4,309,234", "Net Income": "849,526", "Comprehensive Net Income": "832,686", "BaseVar": "47,447,611", "ECR before LimitedLiability": "123%", "Economic Capital Ratio": "173%"}}, "2020": {"input_variables": {"Assets, Current": "287,953", "Assets, Non-Current": "151,622", "Claims Reserve and LAE": "880,537", "Deferred Acquisition Costs Amortization": "12,342", "Deferred Policy Acquisition Costs": "21,561", "General and Administrative Expense": "176,377", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "153,453", "Investments": "6,682,911", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "154,435", "Other Compr. Net Income": "29,351", "Other Expenses": "75,935", "Other Liabilities": "1,487,904", "Other Net Income": "0", "Other Revenues": "21,053", "Policyholder Benefits and Claims": "362,900", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,021,813", "Premiums Receivable": "56,044", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,195,799", "Revenues Y+2": "1,196,535", "Revenues Y+3": "1,196,258", "Revenues Y+4": "1,196,351", "Revenues Y+5": "1,196,319", "Separate Account Asset": "0", "Unearned Premiums": "287,099"}, "output_variables": {"Assets": "7,354,526", "Liabilities": "2,655,540", "Expenses": "627,553", "Revenues": "1,196,319", "Stockholders Equity": "4,698,986", "Net Income": "568,766", "Comprehensive Net Income": "583,442", "BaseVar": "104,640,744", "ECR before LimitedLiability": "88%", "Economic Capital Ratio": "149%"}}}, "top_rated": true, "trend": -3.0, "valuation": {"past_accumulated_profits": 2349493000.0, "future_profits": 2066324514.8146868, "valuation_correction": -24893.78817559019, "limited_liability_put_option": 3046508883.46736, "fair_value": 7462301504.493872, "market_value": 3703074283.9198008}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000876437.svg", "value": 1.1711722913128801, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000876437.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000876437.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000876437.svg"}, {"company_id": "0001788882", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001788882.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001788882.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001788882.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001788882_256x256.png", "name": "Root Inc", "rank": 9, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001788882.svg", "report_text": "The relative strengths and weaknesses of Root Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Root Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 34% points.The greatest weakness of Root 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 113%, being 16% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001788882_2021_Root_Inc.pdf", "shrinked_graph_json": {"2020": {"Intangible Assets": "-1.01", "Assets": "-9.52", "Liabilities": "34.4", "Stockholders Equity": "9.92", "ECR before LimitedLiability": "15.7", "Assets, Current": "31.8", "Other Assets": "-8.99", "Deferred Policy Acquisition Costs": "-0.945", "Reinsurance Recoverables": "2.68", "Separate Account Asset": "-0.802", "Investments": "-13.5", "Premiums Receivable": "0.793", "Other Liabilities": "20.0", "Long Term Debt": "-6.28", "Reinsurance Payable": "-2.14", "Claims Reserve and LAE": "17.9", "Policyholder Contract Deposits": "4.71", "Liabilities Current": "0.756", "Unearned Premiums": "2.94", "Economic Capital Ratio": "16.4", "Other Expenses": "0.433"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001788882_strength_weakness.svg", "table_records": {"2020": {"input_variables": {"Assets, Current": "1,112,800", "Assets, Non-Current": "56,300", "Claims Reserve and LAE": "237,200", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "78,500", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "5,400", "Investments": "224,500", "Liabilities Current": "0", "Long Term Debt": "188,200", "Other Assets": "1,000", "Other Compr. Net Income": "5,000", "Other Expenses": "631,300", "Other Liabilities": "58,300", "Other Net Income": "0", "Other Revenues": "18,900", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "322,500", "Premiums Receivable": "130,100", "Reinsurance Payable": "89,100", "Reinsurance Recoverables": "237,600", "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": "157,100"}, "output_variables": {"Assets": "1,762,300", "Liabilities": "729,900", "Expenses": "709,800", "Revenues": "346,800", "Stockholders Equity": "1,032,400", "Net Income": "-363,000", "Comprehensive Net Income": "-360,500", "BaseVar": "58,321,369", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "113%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 516200000.0, "future_profits": 0.0, "valuation_correction": -7409762.300923923, "limited_liability_put_option": 899335121.067366, "fair_value": 1408125358.766442, "market_value": 716070588.3789062}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001788882.svg", "value": 1.130025968033418, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001788882.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001788882.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001788882.svg"}, {"company_id": "0001681206", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001681206.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001681206.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001681206.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001681206_256x256.png", "name": "NI Holdings Inc", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001681206.svg", "report_text": "The relative strengths and weaknesses of NI 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 NI Holdings Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 36% points.The greatest weakness of NI Holdings Inc is the variable Assets, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 111%, being 14% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001681206_2021_NI_Holdings_Inc.pdf", "shrinked_graph_json": {"2017": {"Separate Account Asset": "-0.584", "Assets": "-13.2", "Liabilities": "44.2", "Stockholders Equity": "9.05", "ECR before LimitedLiability": "26.1", "Premiums Receivable": "-0.641", "Investments": "-4.98", "Intangible Assets": "-1.15", "Assets, Current": "-0.266", "Other Assets": "-6.38", "Deferred Policy Acquisition Costs": "-0.511", "Reinsurance Recoverables": "-2.93", "Assets, Non-Current": "-0.800", "Claims Reserve and LAE": "31.5", "Liabilities Current": "1.32", "Long Term Debt": "6.75", "Policyholder Contract Deposits": "4.47", "Reinsurance Payable": "1.56", "Other Liabilities": "18.2", "Unearned Premiums": "4.71", "Economic Capital Ratio": "26.4"}, "2018": {"Assets, Non-Current": "-1.01", "Assets": "-14.5", "Liabilities": "37.0", "Stockholders Equity": "5.33", "ECR before LimitedLiability": "19.1", "Reinsurance Recoverables": "-2.62", "Assets, Current": "2.40", "Intangible Assets": "-1.57", "Other Assets": "-7.24", "Separate Account Asset": "-0.948", "Investments": "-6.96", "Other Liabilities": "18.6", "Liabilities Current": "1.39", "Long Term Debt": "5.33", "Reinsurance Payable": "1.62", "Unearned Premiums": "2.38", "Policyholder Contract Deposits": "4.48", "Claims Reserve and LAE": "22.7", "Economic Capital Ratio": "19.5", "Other Revenues": "-1.64", "Premiums Earned": "0.613"}, "2019": {"Premiums Receivable": "-0.571", "Assets": "-20.1", "Liabilities": "39.2", "Stockholders Equity": "-6.86", "ECR before LimitedLiability": "18.2", "Investments": "-8.29", "Assets, Non-Current": "-1.26", "Intangible Assets": "-1.41", "Separate Account Asset": "-1.16", "Other Assets": "-12.8", "Reinsurance Recoverables": "-2.71", "Assets, Current": "-2.10", "Policyholder Contract Deposits": "5.76", "Reinsurance Payable": "2.61", "Long Term Debt": "9.19", "Liabilities Current": "1.29", "Other Liabilities": "29.8", "Claims Reserve and LAE": "26.9", "Unearned Premiums": "1.98", "Economic Capital Ratio": "18.8", "Other Revenues": "-0.913"}, "2020": {"Intangible Assets": "-1.59", "Assets": "-20.9", "Liabilities": "36.1", "Stockholders Equity": "-5.05", "ECR before LimitedLiability": "13.6", "Assets, Current": "0.258", "Other Assets": "-14.7", "Deferred Policy Acquisition Costs": "-0.151", "Reinsurance Recoverables": "-3.17", "Separate Account Asset": "-1.26", "Investments": "-7.93", "Assets, Non-Current": "-1.04", "Other Liabilities": "27.4", "Long Term Debt": "4.24", "Reinsurance Payable": "3.15", "Claims Reserve and LAE": "27.9", "Policyholder Contract Deposits": "7.03", "Liabilities Current": "1.14", "Economic Capital Ratio": "14.3", "Other Revenues": "0.0905", "Premiums Earned": "-0.160"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001681206_strength_weakness.svg", "table_records": {"2017": {"input_variables": {"Assets, Current": "27,594", "Assets, Non-Current": "9,359", "Claims Reserve and LAE": "45,890", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "8,859", "General and Administrative Expense": "16,673", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,628", "Investment Income": "2,997", "Investments": "313,885", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-10,969", "Other Compr. Net Income": "3,011", "Other Expenses": "34,144", "Other Liabilities": "11,835", "Other Net Income": "0", "Other Revenues": "6,679", "Policyholder Benefits and Claims": "122,711", "Policyholder Contract Deposits": "0", "Premiums Earned": "179,464", "Premiums Receivable": "25,632", "Reinsurance Payable": "428", "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": "63,262"}, "output_variables": {"Assets": "376,988", "Liabilities": "121,415", "Expenses": "173,528", "Revenues": "189,140", "Stockholders Equity": "255,573", "Net Income": "15,612", "Comprehensive Net Income": "17,118", "BaseVar": "7,867,514", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}, "2018": {"input_variables": {"Assets, Current": "68,950", "Assets, Non-Current": "12,046", "Claims Reserve and LAE": "87,121", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "12,866", "General and Administrative Expense": "22,854", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,623", "Investment Income": "0", "Investments": "374,371", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-48,651", "Other Compr. Net Income": "-9,700", "Other Expenses": "39,184", "Other Liabilities": "10,851", "Other Net Income": "0", "Other Revenues": "212,370", "Policyholder Benefits and Claims": "119,088", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "34,287", "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": "84,767"}, "output_variables": {"Assets": "458,492", "Liabilities": "182,739", "Expenses": "181,126", "Revenues": "212,370", "Stockholders Equity": "275,753", "Net Income": "31,244", "Comprehensive Net Income": "26,394", "BaseVar": "7,444,220", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "112%"}}, "2019": {"input_variables": {"Assets, Current": "62,132", "Assets, Non-Current": "12,870", "Claims Reserve and LAE": "93,250", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "15,399", "General and Administrative Expense": "21,070", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,912", "Investment Income": "0", "Investments": "419,923", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-41,768", "Other Compr. Net Income": "7,557", "Other Expenses": "53,499", "Other Liabilities": "15,660", "Other Net Income": "0", "Other Revenues": "270,779", "Policyholder Benefits and Claims": "169,710", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "36,691", "Reinsurance Payable": "170", "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": "89,276"}, "output_variables": {"Assets": "508,159", "Liabilities": "198,356", "Expenses": "244,279", "Revenues": "270,779", "Stockholders Equity": "309,803", "Net Income": "26,500", "Comprehensive Net Income": "30,278", "BaseVar": "14,402,048", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "114%"}}, "2020": {"input_variables": {"Assets, Current": "101,077", "Assets, Non-Current": "14,965", "Claims Reserve and LAE": "105,750", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "23,968", "General and Administrative Expense": "37,090", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "8,939", "Investments": "494,363", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-65,386", "Other Compr. Net Income": "7,409", "Other Expenses": "66,464", "Other Liabilities": "43,618", "Other Net Income": "0", "Other Revenues": "19,487", "Policyholder Benefits and Claims": "168,520", "Policyholder Contract Deposits": "0", "Premiums Earned": "186,155", "Premiums Receivable": "48,523", "Reinsurance Payable": "0", "Reinsurance Recoverables": "93", "Revenues Y+1": "168,562", "Revenues Y+2": "242,433", "Revenues Y+3": "205,292", "Revenues Y+4": "223,871", "Revenues Y+5": "214,581", "Separate Account Asset": "0", "Unearned Premiums": "119,363"}, "output_variables": {"Assets": "617,603", "Liabilities": "268,731", "Expenses": "272,073", "Revenues": "214,581", "Stockholders Equity": "348,872", "Net Income": "-57,492", "Comprehensive Net Income": "-53,788", "BaseVar": "27,005,715", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}}, "top_rated": true, "trend": -4.0, "valuation": {"past_accumulated_profits": 174436000.0, "future_profits": 45505450.365588024, "valuation_correction": -755172.8954612945, "limited_liability_put_option": 312978609.7475893, "fair_value": 532164887.217716, "market_value": 356265986.25183105}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001681206.svg", "value": 1.109519237526544, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001681206.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001681206.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001681206.svg"}, {"company_id": "0000890926", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000890926.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 11, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 27% points.The greatest weakness of Radian Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 7.7% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 109%, being 12% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000890926_2021_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"}, "2017": {"Assets": "12.7", "Liabilities": "1.10", "Stockholders Equity": "16.8", "ECR before LimitedLiability": "11.8", "Premiums Receivable": "-1.46", "Investments": "17.8", "Intangible Assets": "-0.775", "Assets, Current": "-0.836", "Other Assets": "-1.34", "Deferred Policy Acquisition Costs": "-0.676", "Reinsurance Recoverables": "0.741", "Assets, Non-Current": "1.85", "Claims Reserve and LAE": "10.7", "Liabilities Current": "0.488", "Long Term Debt": "-11.8", "Policyholder Contract Deposits": "1.67", "Reinsurance Payable": "-3.26", "Other Liabilities": "3.72", "Unearned Premiums": "-2.14", "Economic Capital Ratio": "12.1", "Other Expenses": "0.629"}, "2018": {"Assets, Non-Current": "1.36", "Assets": "18.0", "Other Liabilities": "-9.57", "Stockholders Equity": "21.9", "ECR before LimitedLiability": "14.8", "Reinsurance Recoverables": "1.29", "Assets, Current": "-0.654", "Intangible Assets": "-0.821", "Deferred Policy Acquisition Costs": "-0.626", "Other Assets": "-0.513", "Separate Account Asset": "-0.407", "Investments": "21.3", "Premiums Receivable": "-1.16", "Liabilities Current": "0.526", "Long Term Debt": "2.04", "Reinsurance Payable": "-3.61", "Unearned Premiums": "-2.75", "Policyholder Contract Deposits": "1.71", "Claims Reserve and LAE": "10.1", "Economic Capital Ratio": "15.1", "Policyholder Benefits and Claims": "-0.487"}, "2019": {"Premiums Receivable": "-1.14", "Assets": "7.22", "Liabilities": "11.0", "Stockholders Equity": "20.0", "ECR before LimitedLiability": "16.7", "Deferred Policy Acquisition Costs": "-0.598", "Investments": "20.3", "Assets, Non-Current": "2.14", "Intangible Assets": "-0.633", "Separate Account Asset": "-0.462", "Other Assets": "-4.84", "Reinsurance Recoverables": "0.722", "Assets, Current": "-1.91", "Policyholder Contract Deposits": "2.20", "Reinsurance Payable": "-2.67", "Long Term Debt": "3.56", "Liabilities Current": "0.485", "Other Liabilities": "-3.44", "Claims Reserve and LAE": "11.9", "Unearned Premiums": "-1.40", "Economic Capital Ratio": "17.3"}, "2020": {"Intangible Assets": "-0.612", "Assets": "11.0", "Liabilities": "4.71", "Stockholders Equity": "18.5", "ECR before LimitedLiability": "11.5", "Assets, Current": "-1.63", "Other Assets": "-5.27", "Deferred Policy Acquisition Costs": "-0.487", "Reinsurance Recoverables": "-0.925", "Separate Account Asset": "-0.484", "Investments": "26.9", "Assets, Non-Current": "1.79", "Other Liabilities": "-7.73", "Long Term Debt": "1.53", "Reinsurance Payable": "-1.68", "Claims Reserve and LAE": "7.88", "Policyholder Contract Deposits": "2.56", "Liabilities Current": "0.407", "Unearned Premiums": "1.08", "Economic Capital Ratio": "12.2", "Other Revenues": "-0.447"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "80,569", "Assets, Non-Current": "407,849", "Claims Reserve and LAE": "507,588", "Deferred Acquisition Costs Amortization": "24,343", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "261,787", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "126,841", "Investments": "4,643,942", "Liabilities Current": "0", "Long Term Debt": "1,027,074", "Other Assets": "382,012", "Other Compr. Net Income": "28,302", "Other Expenses": "774,546", "Other Liabilities": "353,845", "Other Net Income": "0", "Other Revenues": "172,631", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "932,519", "Premiums Receivable": "0", "Reinsurance Payable": "288,398", "Reinsurance Recoverables": "386,509", "Revenues Y+1": "1,235,825", "Revenues Y+2": "1,230,527", "Revenues Y+3": "1,232,427", "Revenues Y+4": "1,231,748", "Revenues Y+5": "1,231,991", "Separate Account Asset": "0", "Unearned Premiums": "723,938"}, "output_variables": {"Assets": "5,900,881", "Liabilities": "2,900,843", "Expenses": "1,060,675", "Revenues": "1,231,991", "Stockholders Equity": "3,000,038", "Net Income": "171,316", "Comprehensive Net Income": "185,467", "BaseVar": "52,754,374", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "119%"}}, "2018": {"input_variables": {"Assets, Current": "95,393", "Assets, Non-Current": "367,700", "Claims Reserve and LAE": "401,361", "Deferred Acquisition Costs Amortization": "25,347", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "352,367", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "152,364", "Investments": "5,153,029", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "280,902", "Other Compr. Net Income": "-42,162", "Other Expenses": "420,220", "Other Liabilities": "1,364,007", "Other Net Income": "0", "Other Revenues": "121,083", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,012,250", "Premiums Receivable": "0", "Reinsurance Payable": "321,212", "Reinsurance Recoverables": "417,628", "Revenues Y+1": "1,290,734", "Revenues Y+2": "1,283,775", "Revenues Y+3": "1,286,269", "Revenues Y+4": "1,285,380", "Revenues Y+5": "1,285,697", "Separate Account Asset": "0", "Unearned Premiums": "739,357"}, "output_variables": {"Assets": "6,314,652", "Liabilities": "2,825,937", "Expenses": "797,934", "Revenues": "1,285,697", "Stockholders Equity": "3,488,715", "Net Income": "487,763", "Comprehensive Net Income": "466,682", "BaseVar": "42,128,486", "ECR before LimitedLiability": "72%", "Economic Capital Ratio": "138%"}}, "2019": {"input_variables": {"Assets, Current": "92,729", "Assets, Non-Current": "567,619", "Claims Reserve and LAE": "404,765", "Deferred Acquisition Costs Amortization": "25,318", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "406,879", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "172,394", "Investments": "5,658,747", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "125,362", "Other Compr. Net Income": "-86,426", "Other Expenses": "278,225", "Other Liabilities": "1,436,174", "Other Net Income": "0", "Other Revenues": "182,417", "Policyholder Benefits and Claims": "116,387", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,144,838", "Premiums Receivable": "0", "Reinsurance Payable": "291,829", "Reinsurance Recoverables": "363,856", "Revenues Y+1": "1,490,039", "Revenues Y+2": "1,503,300", "Revenues Y+3": "1,498,559", "Revenues Y+4": "1,500,257", "Revenues Y+5": "1,499,649", "Separate Account Asset": "0", "Unearned Premiums": "626,822"}, "output_variables": {"Assets": "6,808,313", "Liabilities": "2,759,590", "Expenses": "826,808", "Revenues": "1,499,649", "Stockholders Equity": "4,048,723", "Net Income": "672,841", "Comprehensive Net Income": "629,628", "BaseVar": "69,646,419", "ECR before LimitedLiability": "88%", "Economic Capital Ratio": "149%"}}, "2020": {"input_variables": {"Assets, Current": "87,915", "Assets, Non-Current": "527,904", "Claims Reserve and LAE": "848,413", "Deferred Acquisition Costs Amortization": "31,458", "Deferred Policy Acquisition Costs": "18,305", "General and Administrative Expense": "377,152", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "28,400", "Investments": "6,788,442", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "184,615", "Other Compr. Net Income": "159,073", "Other Expenses": "190,090", "Other Liabilities": "2,087,909", "Other Net Income": "0", "Other Revenues": "1,145,163", "Policyholder Benefits and Claims": "449,266", "Policyholder Contract Deposits": "0", "Premiums Earned": "229,135", "Premiums Receivable": "267,638", "Reinsurance Payable": "278,555", "Reinsurance Recoverables": "73,202", "Revenues Y+1": "1,374,702", "Revenues Y+2": "1,416,518", "Revenues Y+3": "1,398,196", "Revenues Y+4": "1,405,194", "Revenues Y+5": "1,402,697", "Separate Account Asset": "0", "Unearned Premiums": "448,791"}, "output_variables": {"Assets": "7,948,021", "Liabilities": "3,663,668", "Expenses": "1,047,965", "Revenues": "1,402,697", "Stockholders Equity": "4,284,353", "Net Income": "354,732", "Comprehensive Net Income": "434,268", "BaseVar": "146,114,203", "ECR before LimitedLiability": "63%", "Economic Capital Ratio": "131%"}}}, "top_rated": true, "trend": -4.0, "valuation": {"past_accumulated_profits": 2142176500.0, "future_profits": 1533451912.2437944, "valuation_correction": -1112378.3780161915, "limited_liability_put_option": 3926034735.3442636, "fair_value": 7600550769.210042, "market_value": 3228121559.465706}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000890926.svg", "value": 1.0885515222672786, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000890926.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000890926.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000890926.svg"}, {"company_id": "0000094344", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000094344.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 12, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 37% points.The greatest weakness of Stewart Information Services CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 52% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 107%, being 10% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000094344_2021_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"}, "2017": {"Separate Account Asset": "-2.13", "Assets": "-38.7", "Liabilities": "33.9", "Stockholders Equity": "-51.7", "ECR before LimitedLiability": "9.79", "Premiums Receivable": "-6.78", "Investments": "-35.8", "Intangible Assets": "1.60", "Assets, Current": "-4.50", "Other Assets": "-2.51", "Deferred Policy Acquisition Costs": "-4.18", "Reinsurance Recoverables": "-9.70", "Assets, Non-Current": "-2.47", "Claims Reserve and LAE": "29.3", "Liabilities Current": "3.05", "Long Term Debt": "14.8", "Policyholder Contract Deposits": "10.0", "Reinsurance Payable": "3.83", "Other Liabilities": "27.7", "Unearned Premiums": "27.8", "Economic Capital Ratio": "10.1"}, "2018": {"Assets, Non-Current": "-3.51", "Assets": "-38.7", "Liabilities": "34.9", "Stockholders Equity": "-54.3", "ECR before LimitedLiability": "10.5", "Reinsurance Recoverables": "-8.17", "Assets, Current": "-4.18", "Deferred Policy Acquisition Costs": "-4.73", "Other Assets": "3.81", "Separate Account Asset": "-3.17", "Investments": "-36.5", "Premiums Receivable": "-6.71", "Other Liabilities": "28.6", "Liabilities Current": "3.78", "Long Term Debt": "8.59", "Reinsurance Payable": "4.39", "Unearned Premiums": "28.4", "Policyholder Contract Deposits": "11.8", "Claims Reserve and LAE": "29.9", "Economic Capital Ratio": "10.8", "Other Revenues": "-1.68"}, "2019": {"Premiums Receivable": "-5.67", "Assets": "-39.5", "Liabilities": "33.5", "Stockholders Equity": "-59.1", "ECR before LimitedLiability": "7.19", "Deferred Policy Acquisition Costs": "-3.90", "Investments": "-34.9", "Assets, Non-Current": "-3.45", "Intangible Assets": "1.94", "Separate Account Asset": "-3.06", "Other Assets": "-15.0", "Reinsurance Recoverables": "-6.85", "Assets, Current": "-7.59", "Policyholder Contract Deposits": "11.1", "Reinsurance Payable": "5.20", "Long Term Debt": "13.1", "Liabilities Current": "2.56", "Other Liabilities": "28.0", "Claims Reserve and LAE": "28.4", "Unearned Premiums": "27.4", "Economic Capital Ratio": "7.79"}, "2020": {"Intangible Assets": "5.40", "Assets": "-37.3", "Liabilities": "37.3", "Stockholders Equity": "-52.2", "ECR before LimitedLiability": "9.39", "Assets, Current": "-5.14", "Other Assets": "-18.0", "Deferred Policy Acquisition Costs": "-3.59", "Reinsurance Recoverables": "-7.33", "Separate Account Asset": "-3.07", "Investments": "-32.7", "Premiums Receivable": "-4.90", "Assets, Non-Current": "-2.89", "Other Liabilities": "31.8", "Long Term Debt": "5.56", "Reinsurance Payable": "6.90", "Claims Reserve and LAE": "32.3", "Policyholder Contract Deposits": "15.0", "Liabilities Current": "2.54", "Unearned Premiums": "29.2", "Economic Capital Ratio": "10.1"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "150,079", "Assets, Non-Current": "114,686", "Claims Reserve and LAE": "480,990", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,748,276", "Insurance Commissions and Fees": "0", "Intangible Assets": "241,162", "Investment Income": "18,931", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "821,443", "Other Compr. Net Income": "-9,912", "Other Expenses": "47,994", "Other Liabilities": "246,086", "Other Net Income": "61,039", "Other Revenues": "1,927,022", "Policyholder Benefits and Claims": "96,425", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "78,516", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,947,525", "Revenues Y+2": "1,946,205", "Revenues Y+3": "1,945,993", "Revenues Y+4": "1,945,959", "Revenues Y+5": "1,945,953", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,405,886", "Liabilities": "727,076", "Expenses": "1,892,694", "Revenues": "1,945,953", "Stockholders Equity": "678,810", "Net Income": "114,298", "Comprehensive Net Income": "109,342", "BaseVar": "82,516,437", "ECR before LimitedLiability": "77%", "Economic Capital Ratio": "141%"}}, "2018": {"input_variables": {"Assets, Current": "192,067", "Assets, Non-Current": "103,915", "Claims Reserve and LAE": "461,560", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,731,528", "Insurance Commissions and Fees": "0", "Intangible Assets": "258,617", "Investment Income": "1,825", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "108,036", "Other Assets": "746,869", "Other Compr. Net Income": "-14,216", "Other Expenses": "43,161", "Other Liabilities": "123,497", "Other Net Income": "855", "Other Revenues": "1,902,069", "Policyholder Benefits and Claims": "72,153", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "71,462", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,904,993", "Revenues Y+2": "1,904,019", "Revenues Y+3": "1,903,919", "Revenues Y+4": "1,903,897", "Revenues Y+5": "1,903,894", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,372,930", "Liabilities": "693,093", "Expenses": "1,846,842", "Revenues": "1,903,894", "Stockholders Equity": "679,837", "Net Income": "57,907", "Comprehensive Net Income": "50,799", "BaseVar": "67,566,712", "ECR before LimitedLiability": "75%", "Economic Capital Ratio": "140%"}}, "2019": {"input_variables": {"Assets, Current": "330,609", "Assets, Non-Current": "85,863", "Claims Reserve and LAE": "459,053", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,707,940", "Insurance Commissions and Fees": "0", "Intangible Assets": "253,513", "Investment Income": "10,972", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "110,632", "Other Assets": "850,797", "Other Compr. Net Income": "-31,613", "Other Expenses": "48,639", "Other Liabilities": "269,341", "Other Net Income": "0", "Other Revenues": "-369,852", "Policyholder Benefits and Claims": "83,935", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,877,453", "Premiums Receivable": "72,003", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,589,072", "Revenues Y+2": "1,536,410", "Revenues Y+3": "1,519,680", "Revenues Y+4": "1,521,377", "Revenues Y+5": "1,518,574", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,592,785", "Liabilities": "839,026", "Expenses": "1,840,514", "Revenues": "1,518,574", "Stockholders Equity": "753,759", "Net Income": "-321,940", "Comprehensive Net Income": "-337,747", "BaseVar": "92,363,771", "ECR before LimitedLiability": "58%", "Economic Capital Ratio": "127%"}}, "2020": {"input_variables": {"Assets, Current": "432,683", "Assets, Non-Current": "93,719", "Claims Reserve and LAE": "496,275", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,968,678", "Insurance Commissions and Fees": "0", "Intangible Assets": "468,859", "Investment Income": "18,966", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "101,773", "Other Assets": "895,502", "Other Compr. Net Income": "7,391", "Other Expenses": "63,619", "Other Liabilities": "368,121", "Other Net Income": "0", "Other Revenues": "-6,239", "Policyholder Benefits and Claims": "114,555", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,376,135", "Premiums Receivable": "87,812", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,367,505", "Revenues Y+2": "2,384,264", "Revenues Y+3": "2,387,962", "Revenues Y+4": "2,388,685", "Revenues Y+5": "2,388,862", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "1,978,575", "Liabilities": "966,169", "Expenses": "2,146,853", "Revenues": "2,388,862", "Stockholders Equity": "1,012,406", "Net Income": "242,009", "Comprehensive Net Income": "245,704", "BaseVar": "245,725,335", "ECR before LimitedLiability": "93%", "Economic Capital Ratio": "153%"}}}, "top_rated": true, "trend": -1.0, "valuation": {"past_accumulated_profits": 506203000.0, "future_profits": 868051448.8933152, "valuation_correction": -127971.98250539319, "limited_liability_put_option": 873403154.3437558, "fair_value": 2247529631.2545657, "market_value": 1093669307.4509926}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000094344.svg", "value": 1.067074697803252, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000094344.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000094344.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000094344.svg"}, {"company_id": "0001761312", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001761312.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001761312.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001761312.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001761312_256x256.png", "name": "Palomar Holdings Inc", "rank": 13, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001761312.svg", "report_text": "The relative strengths and weaknesses of Palomar Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Palomar Holdings Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Palomar Holdings Inc is the variable Unearned Premiums, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 106%, being 9.1% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001761312_2021_Palomar_Holdings_Inc.pdf", "shrinked_graph_json": {"2019": {"Premiums Receivable": "1.58", "Assets": "-6.29", "Liabilities": "24.2", "Stockholders Equity": "8.96", "ECR before LimitedLiability": "13.5", "Deferred Policy Acquisition Costs": "1.43", "Investments": "-0.902", "Assets, Non-Current": "-1.19", "Intangible Assets": "-0.907", "Separate Account Asset": "-0.711", "Other Assets": "-5.55", "Reinsurance Recoverables": "0.665", "Assets, Current": "-0.747", "Policyholder Contract Deposits": "3.07", "Reinsurance Payable": "1.06", "Long Term Debt": "4.95", "Liabilities Current": "0.679", "Other Liabilities": "13.4", "Claims Reserve and LAE": "19.1", "Unearned Premiums": "-19.9", "Economic Capital Ratio": "14.1"}, "2020": {"Intangible Assets": "-0.289", "Assets": "-1.95", "Liabilities": "15.5", "Stockholders Equity": "10.1", "ECR before LimitedLiability": "8.45", "Assets, Current": "-1.24", "Other Assets": "-2.25", "Deferred Policy Acquisition Costs": "1.06", "Separate Account Asset": "-0.699", "Investments": "1.58", "Premiums Receivable": "1.07", "Assets, Non-Current": "-0.995", "Other Liabilities": "12.1", "Long Term Debt": "2.03", "Reinsurance Payable": "1.03", "Claims Reserve and LAE": "8.37", "Policyholder Contract Deposits": "3.40", "Liabilities Current": "0.543", "Unearned Premiums": "-12.8", "Economic Capital Ratio": "9.12", "Deferred Acquisition Costs Amortization": "0.144"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001761312_strength_weakness.svg", "table_records": {"2019": {"input_variables": {"Assets, Current": "33,119", "Assets, Non-Current": "845", "Claims Reserve and LAE": "16,821", "Deferred Acquisition Costs Amortization": "37,259", "Deferred Policy Acquisition Costs": "25,201", "General and Administrative Expense": "51,299", "Insurance Commissions and Fees": "0", "Intangible Assets": "744", "Investment Income": "5,975", "Investments": "239,479", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "33,732", "Other Compr. Net Income": "5,249", "Other Expenses": "8,524", "Other Liabilities": "28,054", "Other Net Income": "0", "Other Revenues": "7,114", "Policyholder Benefits and Claims": "5,593", "Policyholder Contract Deposits": "0", "Premiums Earned": "100,207", "Premiums Receivable": "36,237", "Reinsurance Payable": "1,658", "Reinsurance Recoverables": "26,105", "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": "130,373"}, "output_variables": {"Assets": "395,462", "Liabilities": "176,906", "Expenses": "102,675", "Revenues": "113,296", "Stockholders Equity": "218,556", "Net Income": "10,621", "Comprehensive Net Income": "13,246", "BaseVar": "6,232,958", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "109%"}}, "2020": {"input_variables": {"Assets, Current": "33,538", "Assets, Non-Current": "739", "Claims Reserve and LAE": "129,036", "Deferred Acquisition Costs Amortization": "64,041", "Deferred Policy Acquisition Costs": "35,481", "General and Administrative Expense": "34,084", "Insurance Commissions and Fees": "0", "Intangible Assets": "11,512", "Investment Income": "8,612", "Investments": "422,309", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "141,640", "Other Compr. Net Income": "8,560", "Other Expenses": "-34", "Other Liabilities": "48,339", "Other Net Income": "0", "Other Revenues": "4,783", "Policyholder Benefits and Claims": "64,115", "Policyholder Contract Deposits": "0", "Premiums Earned": "155,068", "Premiums Receivable": "48,842", "Reinsurance Payable": "4,515", "Reinsurance Recoverables": "35,031", "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": "183,489"}, "output_variables": {"Assets": "729,092", "Liabilities": "365,379", "Expenses": "162,206", "Revenues": "168,463", "Stockholders Equity": "363,713", "Net Income": "6,257", "Comprehensive Net Income": "10,537", "BaseVar": "18,785,354", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "106%"}}}, "top_rated": true, "trend": -5.0, "valuation": {"past_accumulated_profits": 181856500.0, "future_profits": 0.0, "valuation_correction": -4907489.905074911, "limited_liability_put_option": 401846224.795909, "fair_value": 578795234.8908341, "market_value": 2285988117.4395103}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001761312.svg", "value": 1.0576712126512882, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001761312.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001761312.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001761312.svg"}, {"company_id": "0001172052", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001172052.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 14, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 25% points.The greatest weakness of Safety Insurance Group INC is the variable Assets, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 101%, being 4.0% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001172052_2021_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"}, "2017": {"Separate Account Asset": "-0.789", "Assets": "-17.7", "Liabilities": "20.8", "Stockholders Equity": "-6.18", "ECR before LimitedLiability": "2.84", "Premiums Receivable": "-3.40", "Investments": "-8.70", "Intangible Assets": "-1.83", "Assets, Current": "-2.22", "Other Assets": "-1.23", "Reinsurance Recoverables": "-3.34", "Assets, Non-Current": "-1.67", "Claims Reserve and LAE": "11.9", "Liabilities Current": "0.939", "Long Term Debt": "4.82", "Policyholder Contract Deposits": "3.18", "Reinsurance Payable": "0.656", "Other Liabilities": "11.9", "Unearned Premiums": "-2.20", "Economic Capital Ratio": "3.12", "Premiums Earned": "-0.245"}, "2018": {"Assets, Non-Current": "-1.90", "Assets": "-18.7", "Liabilities": "20.4", "Stockholders Equity": "-6.89", "ECR before LimitedLiability": "2.57", "Reinsurance Recoverables": "-2.59", "Assets, Current": "-2.61", "Intangible Assets": "-2.37", "Other Assets": "2.01", "Separate Account Asset": "-1.19", "Investments": "-11.6", "Premiums Receivable": "-3.31", "Other Liabilities": "13.3", "Liabilities Current": "1.13", "Long Term Debt": "4.35", "Reinsurance Payable": "0.866", "Unearned Premiums": "-1.59", "Policyholder Contract Deposits": "3.65", "Claims Reserve and LAE": "11.5", "Economic Capital Ratio": "2.91", "Premiums Earned": "-0.320"}, "2019": {"Premiums Receivable": "-2.96", "Assets": "-21.0", "Liabilities": "22.2", "Stockholders Equity": "-10.9", "ECR before LimitedLiability": "1.83", "Investments": "-8.05", "Assets, Non-Current": "-1.69", "Intangible Assets": "-1.66", "Separate Account Asset": "-1.22", "Other Assets": "-6.86", "Reinsurance Recoverables": "-2.19", "Assets, Current": "-5.14", "Policyholder Contract Deposits": "3.92", "Reinsurance Payable": "1.34", "Long Term Debt": "6.29", "Liabilities Current": "0.870", "Other Liabilities": "18.5", "Claims Reserve and LAE": "10.1", "Unearned Premiums": "-3.97", "Economic Capital Ratio": "2.44", "Premiums Earned": "-0.243"}, "2020": {"Intangible Assets": "-1.53", "Assets": "-19.4", "Liabilities": "25.2", "Stockholders Equity": "-5.97", "ECR before LimitedLiability": "3.29", "Assets, Current": "-3.94", "Other Assets": "-8.31", "Reinsurance Recoverables": "-2.67", "Separate Account Asset": "-1.21", "Investments": "-5.50", "Premiums Receivable": "-2.57", "Assets, Non-Current": "-1.30", "Other Liabilities": "19.2", "Long Term Debt": "3.10", "Reinsurance Payable": "2.02", "Claims Reserve and LAE": "13.3", "Policyholder Contract Deposits": "5.16", "Liabilities Current": "0.832", "Unearned Premiums": "-3.43", "Economic Capital Ratio": "3.96", "Premiums Earned": "-0.163"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "41,708", "Assets, Non-Current": "16,219", "Claims Reserve and LAE": "574,054", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "72,202", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "44,781", "Investments": "1,307,055", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "337,920", "Other Compr. Net Income": "3,800", "Other Expenses": "273,759", "Other Liabilities": "90,151", "Other Net Income": "0", "Other Revenues": "19,897", "Policyholder Benefits and Claims": "502,630", "Policyholder Contract Deposits": "0", "Premiums Earned": "776,157", "Premiums Receivable": "0", "Reinsurance Payable": "13,801", "Reinsurance Recoverables": "32,175", "Revenues Y+1": "840,686", "Revenues Y+2": "840,822", "Revenues Y+3": "840,833", "Revenues Y+4": "840,834", "Revenues Y+5": "840,835", "Separate Account Asset": "0", "Unearned Premiums": "428,257"}, "output_variables": {"Assets": "1,807,279", "Liabilities": "1,106,263", "Expenses": "776,389", "Revenues": "840,835", "Stockholders Equity": "701,016", "Net Income": "64,446", "Comprehensive Net Income": "66,345", "BaseVar": "35,228,087", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "112%"}}, "2018": {"input_variables": {"Assets, Current": "37,582", "Assets, Non-Current": "19,522", "Claims Reserve and LAE": "584,719", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "73,355", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "46,981", "Investments": "1,333,354", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "358,453", "Other Compr. Net Income": "-3,998", "Other Expenses": "267,375", "Other Liabilities": "105,277", "Other Net Income": "0", "Other Revenues": "7,678", "Policyholder Benefits and Claims": "487,732", "Policyholder Contract Deposits": "0", "Premiums Earned": "782,257", "Premiums Receivable": "0", "Reinsurance Payable": "12,220", "Reinsurance Recoverables": "33,974", "Revenues Y+1": "836,861", "Revenues Y+2": "836,910", "Revenues Y+3": "836,915", "Revenues Y+4": "836,915", "Revenues Y+5": "836,915", "Separate Account Asset": "0", "Unearned Premiums": "435,380"}, "output_variables": {"Assets": "1,856,240", "Liabilities": "1,137,596", "Expenses": "755,108", "Revenues": "836,915", "Stockholders Equity": "718,644", "Net Income": "81,807", "Comprehensive Net Income": "79,808", "BaseVar": "29,695,156", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "114%"}}, "2019": {"input_variables": {"Assets, Current": "44,407", "Assets, Non-Current": "23,798", "Claims Reserve and LAE": "610,566", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "74,287", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "49,609", "Investments": "1,442,955", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "402,040", "Other Compr. Net Income": "-22,683", "Other Expenses": "268,348", "Other Liabilities": "148,567", "Other Net Income": "0", "Other Revenues": "21,965", "Policyholder Benefits and Claims": "506,877", "Policyholder Contract Deposits": "0", "Premiums Earned": "789,450", "Premiums Receivable": "0", "Reinsurance Payable": "12,911", "Reinsurance Recoverables": "35,182", "Revenues Y+1": "854,136", "Revenues Y+2": "872,817", "Revenues Y+3": "858,482", "Revenues Y+4": "869,521", "Revenues Y+5": "861,024", "Separate Account Asset": "0", "Unearned Premiums": "442,219"}, "output_variables": {"Assets": "2,022,669", "Liabilities": "1,214,263", "Expenses": "775,226", "Revenues": "861,024", "Stockholders Equity": "808,406", "Net Income": "85,798", "Comprehensive Net Income": "74,457", "BaseVar": "46,213,439", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "113%"}}, "2020": {"input_variables": {"Assets, Current": "53,769", "Assets, Non-Current": "25,595", "Claims Reserve and LAE": "567,581", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "74,962", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "42,171", "Investments": "1,507,587", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "369,954", "Other Compr. Net Income": "31,455", "Other Expenses": "306,373", "Other Liabilities": "171,876", "Other Net Income": "0", "Other Revenues": "34,894", "Policyholder Benefits and Claims": "418,184", "Policyholder Contract Deposits": "0", "Premiums Earned": "769,429", "Premiums Receivable": "0", "Reinsurance Payable": "8,236", "Reinsurance Recoverables": "22,406", "Revenues Y+1": "847,282", "Revenues Y+2": "846,239", "Revenues Y+3": "846,578", "Revenues Y+4": "846,443", "Revenues Y+5": "846,494", "Separate Account Asset": "0", "Unearned Premiums": "421,901"}, "output_variables": {"Assets": "2,054,273", "Liabilities": "1,169,594", "Expenses": "724,557", "Revenues": "846,494", "Stockholders Equity": "884,679", "Net Income": "121,938", "Comprehensive Net Income": "137,665", "BaseVar": "87,768,198", "ECR before LimitedLiability": "58%", "Economic Capital Ratio": "127%"}}}, "top_rated": true, "trend": 1.0, "valuation": {"past_accumulated_profits": 442339500.0, "future_profits": 487673088.42324704, "valuation_correction": 14468.681500467783, "limited_liability_put_option": 1110759307.924933, "fair_value": 2040786365.0296805, "market_value": 907024441.255085}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001172052.svg", "value": 1.0060502709134886, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001172052.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001172052.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001172052.svg"}, {"company_id": "0001576018", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001576018.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 15, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Liabilities, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Siriuspoint Ltd is the variable Investments, reducing the Economic Capital Ratio by 7.2% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 100%, being 3.2% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001576018_2021_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"}, "2017": {"Separate Account Asset": "-0.326", "Assets": "19.9", "Liabilities": "-13.5", "Stockholders Equity": "10.2", "ECR before LimitedLiability": "2.06", "Premiums Receivable": "3.09", "Investments": "13.3", "Intangible Assets": "-0.763", "Assets, Current": "-1.25", "Other Assets": "5.17", "Deferred Policy Acquisition Costs": "1.78", "Reinsurance Recoverables": "-1.71", "Assets, Non-Current": "-0.763", "Claims Reserve and LAE": "3.34", "Liabilities Current": "0.379", "Long Term Debt": "1.98", "Policyholder Contract Deposits": "1.30", "Other Liabilities": "-17.3", "Unearned Premiums": "-3.94", "Economic Capital Ratio": "2.35", "Other Revenues": "-0.262"}, "2018": {"Assets, Non-Current": "-0.726", "Assets": "16.8", "Liabilities": "-9.90", "Stockholders Equity": "10.00", "ECR before LimitedLiability": "3.74", "Reinsurance Recoverables": "-1.18", "Intangible Assets": "-1.02", "Deferred Policy Acquisition Costs": "2.11", "Other Assets": "6.42", "Investments": "2.05", "Premiums Receivable": "7.77", "Other Liabilities": "1.69", "Long Term Debt": "1.87", "Reinsurance Payable": "-1.02", "Unearned Premiums": "-7.73", "Policyholder Contract Deposits": "1.57", "Claims Reserve and LAE": "-6.91", "Other Revenues": "0.826", "Revenues": "0.518", "Premiums Earned": "-0.711", "Economic Capital Ratio": "4.07"}, "2019": {"Premiums Receivable": "5.91", "Assets": "-4.29", "Liabilities": "9.85", "Stockholders Equity": "2.12", "ECR before LimitedLiability": "2.56", "Deferred Policy Acquisition Costs": "0.906", "Investments": "-10.2", "Assets, Non-Current": "-1.11", "Intangible Assets": "-1.04", "Separate Account Asset": "-0.761", "Other Assets": "2.49", "Reinsurance Recoverables": "-1.55", "Assets, Current": "4.01", "Policyholder Contract Deposits": "2.50", "Reinsurance Payable": "-0.560", "Long Term Debt": "4.03", "Liabilities Current": "0.551", "Other Liabilities": "9.53", "Claims Reserve and LAE": "-2.78", "Unearned Premiums": "-3.66", "Economic Capital Ratio": "3.16"}, "2020": {"Other Liabilities": "9.69", "Liabilities": "7.21", "Intangible Assets": "-0.903", "Stockholders Equity": "6.26", "ECR before LimitedLiability": "2.53", "Long Term Debt": "1.79", "Reinsurance Payable": "-0.209", "Claims Reserve and LAE": "-5.61", "Policyholder Contract Deposits": "3.00", "Liabilities Current": "0.478", "Unearned Premiums": "-2.54", "Assets, Current": "2.91", "Other Assets": "4.63", "Deferred Policy Acquisition Costs": "0.651", "Reinsurance Recoverables": "-1.39", "Separate Account Asset": "-0.714", "Investments": "-7.22", "Premiums Receivable": "5.09", "Assets, Non-Current": "-0.848", "Economic Capital Ratio": "3.20", "Other Revenues": "-0.470"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "8,197", "Assets, Non-Current": "9,482", "Claims Reserve and LAE": "720,570", "Deferred Acquisition Costs Amortization": "183,756", "Deferred Policy Acquisition Costs": "258,793", "General and Administrative Expense": "51,452", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "2,995,939", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "923,375", "Other Compr. Net Income": "0", "Other Expenses": "2,776", "Other Liabilities": "1,490,377", "Other Net Income": "0", "Other Revenues": "238,874", "Policyholder Benefits and Claims": "371,294", "Policyholder Contract Deposits": "0", "Premiums Earned": "558,282", "Premiums Receivable": "476,008", "Reinsurance Payable": "41,614", "Reinsurance Recoverables": "0", "Revenues Y+1": "736,443", "Revenues Y+2": "892,764", "Revenues Y+3": "774,634", "Revenues Y+4": "863,063", "Revenues Y+5": "797,156", "Separate Account Asset": "0", "Unearned Premiums": "649,518"}, "output_variables": {"Assets": "4,671,794", "Liabilities": "2,902,079", "Expenses": "609,279", "Revenues": "797,156", "Stockholders Equity": "1,769,715", "Net Income": "187,877", "Comprehensive Net Income": "187,877", "BaseVar": "33,087,657", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "113%"}}, "2018": {"input_variables": {"Assets, Current": "104,183", "Assets, Non-Current": "20,569", "Claims Reserve and LAE": "937,157", "Deferred Acquisition Costs Amortization": "208,465", "Deferred Policy Acquisition Costs": "203,842", "General and Administrative Expense": "39,877", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,523,728", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "611,881", "Other Compr. Net Income": "0", "Other Expenses": "44,969", "Other Liabilities": "271,866", "Other Net Income": "0", "Other Revenues": "383,877", "Policyholder Benefits and Claims": "434,052", "Policyholder Contract Deposits": "0", "Premiums Earned": "601,843", "Premiums Receivable": "602,448", "Reinsurance Payable": "69,701", "Reinsurance Recoverables": "19,583", "Revenues Y+1": "984,272", "Revenues Y+2": "355,680", "Revenues Y+3": "987,627", "Revenues Y+4": "356,214", "Revenues Y+5": "985,720", "Separate Account Asset": "0", "Unearned Premiums": "602,936"}, "output_variables": {"Assets": "3,086,234", "Liabilities": "1,881,660", "Expenses": "727,364", "Revenues": "985,720", "Stockholders Equity": "1,204,574", "Net Income": "258,356", "Comprehensive Net Income": "258,356", "BaseVar": "32,750,438", "ECR before LimitedLiability": "52%", "Economic Capital Ratio": "122%"}}, "2019": {"input_variables": {"Assets, Current": "639,415", "Assets, Non-Current": "20,555", "Claims Reserve and LAE": "1,111,692", "Deferred Acquisition Costs Amortization": "313,861", "Deferred Policy Acquisition Costs": "154,717", "General and Administrative Expense": "48,737", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "989,701", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,016,721", "Other Compr. Net Income": "0", "Other Expenses": "14,367", "Other Liabilities": "307,219", "Other Net Income": "0", "Other Revenues": "-144,985", "Policyholder Benefits and Claims": "406,342", "Policyholder Contract Deposits": "0", "Premiums Earned": "680,184", "Premiums Receivable": "596,120", "Reinsurance Payable": "81,941", "Reinsurance Recoverables": "22,465", "Revenues Y+1": "463,454", "Revenues Y+2": "926,970", "Revenues Y+3": "504,577", "Revenues Y+4": "892,506", "Revenues Y+5": "535,199", "Separate Account Asset": "0", "Unearned Premiums": "524,768"}, "output_variables": {"Assets": "3,439,694", "Liabilities": "2,025,620", "Expenses": "783,306", "Revenues": "535,199", "Stockholders Equity": "1,414,074", "Net Income": "-248,107", "Comprehensive Net Income": "-248,107", "BaseVar": "38,176,360", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "104%"}}, "2020": {"input_variables": {"Assets, Current": "525,991", "Assets, Non-Current": "19,185", "Claims Reserve and LAE": "1,310,068", "Deferred Acquisition Costs Amortization": "204,866", "Deferred Policy Acquisition Costs": "134,308", "General and Administrative Expense": "59,789", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,160,929", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,283,759", "Other Compr. Net Income": "0", "Other Expenses": "30,682", "Other Liabilities": "296,884", "Other Net Income": "0", "Other Revenues": "706,359", "Policyholder Benefits and Claims": "459,241", "Policyholder Contract Deposits": "0", "Premiums Earned": "222,518", "Premiums Receivable": "559,388", "Reinsurance Payable": "80,408", "Reinsurance Recoverables": "42,034", "Revenues Y+1": "949,346", "Revenues Y+2": "914,950", "Revenues Y+3": "933,681", "Revenues Y+4": "923,858", "Revenues Y+5": "928,876", "Separate Account Asset": "0", "Unearned Premiums": "472,948"}, "output_variables": {"Assets": "3,725,594", "Liabilities": "2,160,308", "Expenses": "754,578", "Revenues": "928,876", "Stockholders Equity": "1,565,286", "Net Income": "174,298", "Comprehensive Net Income": "174,298", "BaseVar": "93,451,254", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "119%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 782643000.0, "future_profits": 618798942.184249, "valuation_correction": 644637.7019373303, "limited_liability_put_option": 2088640907.8613682, "fair_value": 3490727487.747555, "market_value": 885080711.3224459}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001576018.svg", "value": 0.9984748540221189, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001576018.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001576018.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001576018.svg"}, {"company_id": "0000049071", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000049071.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 16, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 116% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 98%, being 1.3% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000049071_2021_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"}, "2017": {"Separate Account Asset": "-3.21", "Assets": "-48.8", "Liabilities": "27.6", "Stockholders Equity": "-79.1", "ECR before LimitedLiability": "1.00", "Premiums Receivable": "-12.2", "Investments": "-45.2", "Intangible Assets": "-2.61", "Assets, Current": "18.1", "Other Assets": "-20.7", "Deferred Policy Acquisition Costs": "-6.24", "Reinsurance Recoverables": "-14.0", "Assets, Non-Current": "-5.75", "Claims Reserve and LAE": "22.9", "Liabilities Current": "-22.7", "Long Term Debt": "7.28", "Policyholder Contract Deposits": "12.2", "Reinsurance Payable": "4.71", "Other Liabilities": "20.8", "Unearned Premiums": "19.9", "Economic Capital Ratio": "1.29"}, "2018": {"Assets, Non-Current": "-7.63", "Assets": "-48.9", "Liabilities": "31.3", "Stockholders Equity": "-95.8", "ECR before LimitedLiability": "3.42", "Reinsurance Recoverables": "-13.1", "Assets, Current": "13.6", "Intangible Assets": "-4.93", "Deferred Policy Acquisition Costs": "-7.83", "Other Assets": "-18.0", "Separate Account Asset": "-5.32", "Investments": "-46.1", "Premiums Receivable": "-13.1", "Other Liabilities": "24.1", "Liabilities Current": "-26.2", "Long Term Debt": "7.88", "Reinsurance Payable": "6.32", "Unearned Premiums": "22.6", "Policyholder Contract Deposits": "16.5", "Claims Reserve and LAE": "26.3", "Economic Capital Ratio": "3.76"}, "2019": {"Premiums Receivable": "-12.4", "Assets": "-49.0", "Liabilities": "33.5", "Stockholders Equity": "-120", "ECR before LimitedLiability": "2.85", "Deferred Policy Acquisition Costs": "-7.15", "Investments": "-44.5", "Assets, Non-Current": "-7.40", "Intangible Assets": "-2.85", "Separate Account Asset": "-5.67", "Other Assets": "-32.8", "Reinsurance Recoverables": "-12.0", "Assets, Current": "-4.23", "Policyholder Contract Deposits": "18.4", "Reinsurance Payable": "8.85", "Long Term Debt": "17.4", "Liabilities Current": "-26.0", "Other Liabilities": "27.6", "Claims Reserve and LAE": "27.7", "Unearned Premiums": "23.8", "Economic Capital Ratio": "3.45"}, "2020": {"Intangible Assets": "-3.36", "Assets": "-50.4", "Liabilities": "33.1", "Stockholders Equity": "-116", "ECR before LimitedLiability": "0.607", "Assets, Current": "-1.58", "Other Assets": "-35.8", "Deferred Policy Acquisition Costs": "-7.30", "Reinsurance Recoverables": "-14.1", "Separate Account Asset": "-6.29", "Investments": "-45.6", "Premiums Receivable": "-12.2", "Assets, Non-Current": "-6.74", "Other Liabilities": "27.5", "Long Term Debt": "1.23", "Reinsurance Payable": "11.5", "Claims Reserve and LAE": "27.6", "Policyholder Contract Deposits": "22.3", "Liabilities Current": "-26.0", "Unearned Premiums": "23.2", "Economic Capital Ratio": "1.28"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "17,402,000", "Assets, Non-Current": "1,584,000", "Claims Reserve and LAE": "7,591,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,462,294", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,281,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "9,406,000", "Long Term Debt": "5,007,000", "Other Assets": "4,911,000", "Other Compr. Net Income": "-601,773", "Other Expenses": "-2,039,347", "Other Liabilities": "-4,668,000", "Other Net Income": "0", "Other Revenues": "1,398,122", "Policyholder Benefits and Claims": "43,217,517", "Policyholder Contract Deposits": "0", "Premiums Earned": "52,266,010", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "53,678,263", "Revenues Y+2": "53,665,882", "Revenues Y+3": "53,664,296", "Revenues Y+4": "53,664,135", "Revenues Y+5": "53,664,132", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "27,178,000", "Liabilities": "17,336,000", "Expenses": "47,640,465", "Revenues": "53,664,132", "Stockholders Equity": "9,842,000", "Net Income": "6,023,668", "Comprehensive Net Income": "5,722,781", "BaseVar": "2,145,306,366", "ECR before LimitedLiability": "109%", "Economic Capital Ratio": "164%"}}, "2018": {"input_variables": {"Assets, Current": "16,948,000", "Assets, Non-Current": "1,735,000", "Claims Reserve and LAE": "5,081,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,625,089", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,897,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "10,077,000", "Long Term Debt": "4,956,000", "Other Assets": "2,833,000", "Other Compr. Net Income": "-1,008,171", "Other Expenses": "424,877", "Other Liabilities": "-4,862,000", "Other Net Income": "-537,469", "Other Revenues": "2,201,528", "Policyholder Benefits and Claims": "46,303,183", "Policyholder Contract Deposits": "0", "Premiums Earned": "55,390,496", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "57,459,907", "Revenues Y+2": "57,563,909", "Revenues Y+3": "57,585,726", "Revenues Y+4": "57,590,766", "Revenues Y+5": "57,592,024", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "25,413,000", "Liabilities": "15,252,000", "Expenses": "54,353,149", "Revenues": "57,592,024", "Stockholders Equity": "10,161,000", "Net Income": "2,701,406", "Comprehensive Net Income": "2,197,321", "BaseVar": "2,025,470,528", "ECR before LimitedLiability": "91%", "Economic Capital Ratio": "151%"}}, "2019": {"input_variables": {"Assets, Current": "19,888,000", "Assets, Non-Current": "1,955,000", "Claims Reserve and LAE": "6,210,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,367,663", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,928,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "10,929,000", "Long Term Debt": "5,902,000", "Other Assets": "3,303,000", "Other Compr. Net Income": "148,788", "Other Expenses": "1,408,298", "Other Liabilities": "-6,004,000", "Other Net Income": "-817,345", "Other Revenues": "375,578,711", "Policyholder Benefits and Claims": "55,554,213", "Policyholder Contract Deposits": "0", "Premiums Earned": "-615,962", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "126,934,808", "Revenues Y+2": "189,324,020", "Revenues Y+3": "251,461,013", "Revenues Y+4": "313,340,257", "Revenues Y+5": "374,962,749", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "29,074,000", "Liabilities": "17,037,000", "Expenses": "64,330,174", "Revenues": "374,962,749", "Stockholders Equity": "12,037,000", "Net Income": "309,815,230", "Comprehensive Net Income": "309,889,624", "BaseVar": "11,857,976,352", "ECR before LimitedLiability": "3,138%", "Economic Capital Ratio": "3,138%"}}, "2020": {"input_variables": {"Assets, Current": "23,641,000", "Assets, Non-Current": "2,371,000", "Claims Reserve and LAE": "8,143,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "10,246,552", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,447,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "13,394,000", "Long Term Debt": "7,847,000", "Other Assets": "4,510,000", "Other Compr. Net Income": "248,677", "Other Expenses": "2,095,725", "Other Liabilities": "-8,143,000", "Other Net Income": "250,627", "Other Revenues": "60,328,668", "Policyholder Benefits and Claims": "64,091,422", "Policyholder Contract Deposits": "0", "Premiums Earned": "816,780", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "63,562,269", "Revenues Y+2": "78,440,401", "Revenues Y+3": "62,316,134", "Revenues Y+4": "79,648,306", "Revenues Y+5": "61,145,448", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "34,969,000", "Liabilities": "21,241,000", "Expenses": "76,433,699", "Revenues": "61,145,448", "Stockholders Equity": "13,728,000", "Net Income": "-15,037,624", "Comprehensive Net Income": "-14,913,286", "BaseVar": "7,451,677,576", "ECR before LimitedLiability": "77%", "Economic Capital Ratio": "141%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 6864000000.0, "future_profits": 14748766508.65388, "valuation_correction": 9115362.381833283, "limited_liability_put_option": 18019300599.06359, "fair_value": 39641182470.099304, "market_value": 50736617830.37521}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000049071.svg", "value": 0.9792668248192501, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000049071.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000049071.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000049071.svg"}, {"company_id": "0000020286", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000020286.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 17, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Cincinnati Financial CORP is the variable Other Assets, reducing the Economic Capital Ratio by 9.1% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 98%, being 1.2% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000020286_2021_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"}, "2017": {"Separate Account Asset": "1.12", "Assets": "1.34", "Liabilities": "2.88", "Stockholders Equity": "4.13", "ECR before LimitedLiability": "2.27", "Premiums Receivable": "0.939", "Investments": "9.75", "Intangible Assets": "-1.14", "Assets, Current": "-0.721", "Other Assets": "-4.89", "Deferred Policy Acquisition Costs": "0.318", "Reinsurance Recoverables": "-1.66", "Assets, Non-Current": "-0.494", "Claims Reserve and LAE": "4.34", "Liabilities Current": "0.569", "Long Term Debt": "0.382", "Policyholder Contract Deposits": "-0.594", "Reinsurance Payable": "0.717", "Other Liabilities": "-3.80", "Unearned Premiums": "1.08", "Economic Capital Ratio": "2.55"}, "2018": {"Assets, Non-Current": "-0.443", "Assets": "1.73", "Liabilities": "1.21", "Stockholders Equity": "3.17", "ECR before LimitedLiability": "0.672", "Reinsurance Recoverables": "-1.02", "Assets, Current": "-0.588", "Intangible Assets": "-1.45", "Deferred Policy Acquisition Costs": "0.355", "Other Assets": "-3.24", "Separate Account Asset": "0.893", "Investments": "6.95", "Premiums Receivable": "1.21", "Other Liabilities": "-2.57", "Liabilities Current": "0.651", "Reinsurance Payable": "0.758", "Unearned Premiums": "0.686", "Policyholder Contract Deposits": "-0.351", "Claims Reserve and LAE": "1.99", "Economic Capital Ratio": "1.01", "Premiums Earned": "-0.267"}, "2019": {"Premiums Receivable": "0.984", "Assets": "-5.53", "Liabilities": "9.56", "Stockholders Equity": "0.198", "ECR before LimitedLiability": "0.833", "Deferred Policy Acquisition Costs": "0.258", "Investments": "8.67", "Assets, Non-Current": "-0.458", "Intangible Assets": "-1.09", "Separate Account Asset": "0.687", "Other Assets": "-8.68", "Reinsurance Recoverables": "-0.828", "Assets, Current": "-2.83", "Reinsurance Payable": "1.14", "Long Term Debt": "1.83", "Liabilities Current": "0.555", "Other Liabilities": "3.16", "Claims Reserve and LAE": "3.50", "Unearned Premiums": "-0.304", "Economic Capital Ratio": "1.43", "Investment Income": "-0.198"}, "2020": {"Intangible Assets": "-1.07", "Assets": "-6.20", "Liabilities": "12.3", "Stockholders Equity": "1.60", "ECR before LimitedLiability": "0.534", "Assets, Current": "-2.23", "Other Assets": "-9.14", "Deferred Policy Acquisition Costs": "0.223", "Reinsurance Recoverables": "-2.09", "Separate Account Asset": "0.612", "Investments": "9.13", "Premiums Receivable": "1.04", "Assets, Non-Current": "-0.277", "Other Liabilities": "4.78", "Reinsurance Payable": "1.51", "Claims Reserve and LAE": "5.21", "Policyholder Contract Deposits": "1.06", "Liabilities Current": "0.544", "Economic Capital Ratio": "1.21", "Other Revenues": "0.107", "Premiums Earned": "-0.0928"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "657,000", "Assets, Non-Current": "401,000", "Claims Reserve and LAE": "5,273,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "670,000", "General and Administrative Expense": "12,844", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "753,103", "Investments": "17,051,000", "Liabilities Current": "0", "Long Term Debt": "827,000", "Other Assets": "195,000", "Other Compr. Net Income": "1,135,541", "Other Expenses": "1,592,923", "Other Liabilities": "4,290,000", "Other Net Income": "0", "Other Revenues": "21,122", "Policyholder Benefits and Claims": "3,438,965", "Policyholder Contract Deposits": "806,000", "Premiums Earned": "4,976,044", "Premiums Receivable": "1,589,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "474,000", "Revenues Y+1": "5,747,984", "Revenues Y+2": "5,750,167", "Revenues Y+3": "5,750,250", "Revenues Y+4": "5,750,269", "Revenues Y+5": "5,750,269", "Separate Account Asset": "806,000", "Unearned Premiums": "2,404,000"}, "output_variables": {"Assets": "21,843,000", "Liabilities": "13,600,000", "Expenses": "5,044,731", "Revenues": "5,750,269", "Stockholders Equity": "8,243,000", "Net Income": "705,538", "Comprehensive Net Income": "1,273,308", "BaseVar": "266,274,436", "ECR before LimitedLiability": "48%", "Economic Capital Ratio": "119%"}}, "2018": {"input_variables": {"Assets, Current": "784,000", "Assets, Non-Current": "503,000", "Claims Reserve and LAE": "5,707,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "738,000", "General and Administrative Expense": "15,557", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "290,117", "Investments": "16,732,000", "Liabilities Current": "0", "Long Term Debt": "834,000", "Other Assets": "203,000", "Other Compr. Net Income": "65,930", "Other Expenses": "1,646,304", "Other Liabilities": "4,242,000", "Other Net Income": "0", "Other Revenues": "19,886", "Policyholder Benefits and Claims": "3,507,736", "Policyholder Contract Deposits": "803,000", "Premiums Earned": "5,190,741", "Premiums Receivable": "1,644,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "528,000", "Revenues Y+1": "5,510,380", "Revenues Y+2": "5,498,786", "Revenues Y+3": "5,501,004", "Revenues Y+4": "5,500,692", "Revenues Y+5": "5,500,744", "Separate Account Asset": "803,000", "Unearned Premiums": "2,516,000"}, "output_variables": {"Assets": "21,935,000", "Liabilities": "14,102,000", "Expenses": "5,169,597", "Revenues": "5,500,744", "Stockholders Equity": "7,833,000", "Net Income": "331,147", "Comprehensive Net Income": "364,112", "BaseVar": "207,705,261", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "103%"}}, "2019": {"input_variables": {"Assets, Current": "767,000", "Assets, Non-Current": "588,000", "Claims Reserve and LAE": "6,147,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "774,000", "General and Administrative Expense": "22,405", "Insurance Commissions and Fees": "15,000", "Intangible Assets": "0", "Investment Income": "218,606", "Investments": "19,746,000", "Liabilities Current": "0", "Long Term Debt": "846,000", "Other Assets": "210,000", "Other Compr. Net Income": "-86,311", "Other Expenses": "1,781,354", "Other Liabilities": "4,881,000", "Other Net Income": "0", "Other Revenues": "6,885", "Policyholder Benefits and Claims": "3,664,771", "Policyholder Contract Deposits": "882,000", "Premiums Earned": "5,650,350", "Premiums Receivable": "1,777,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "664,000", "Revenues Y+1": "5,885,640", "Revenues Y+2": "7,967,323", "Revenues Y+3": "5,890,274", "Revenues Y+4": "7,967,162", "Revenues Y+5": "5,890,842", "Separate Account Asset": "882,000", "Unearned Premiums": "2,788,000"}, "output_variables": {"Assets": "25,408,000", "Liabilities": "15,544,000", "Expenses": "5,468,530", "Revenues": "5,890,842", "Stockholders Equity": "9,864,000", "Net Income": "422,312", "Comprehensive Net Income": "379,156", "BaseVar": "328,155,629", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "106%"}}, "2020": {"input_variables": {"Assets, Current": "900,000", "Assets, Non-Current": "651,000", "Claims Reserve and LAE": "6,746,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "805,000", "General and Administrative Expense": "20,375", "Insurance Commissions and Fees": "11,843", "Intangible Assets": "0", "Investment Income": "1,816,658", "Investments": "21,542,000", "Liabilities Current": "0", "Long Term Debt": "845,000", "Other Assets": "748,000", "Other Compr. Net Income": "248,941", "Other Expenses": "2,151,805", "Other Liabilities": "5,250,000", "Other Net Income": "0", "Other Revenues": "10,066", "Policyholder Benefits and Claims": "4,233,051", "Policyholder Contract Deposits": "952,000", "Premiums Earned": "6,026,754", "Premiums Receivable": "1,879,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "65,000", "Revenues Y+1": "7,993,973", "Revenues Y+2": "7,771,693", "Revenues Y+3": "7,895,928", "Revenues Y+4": "7,828,491", "Revenues Y+5": "7,865,321", "Separate Account Asset": "952,000", "Unearned Premiums": "2,960,000"}, "output_variables": {"Assets": "27,542,000", "Liabilities": "16,753,000", "Expenses": "6,405,232", "Revenues": "7,865,321", "Stockholders Equity": "10,789,000", "Net Income": "1,460,089", "Comprehensive Net Income": "1,584,560", "BaseVar": "802,765,440", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "120%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 5394500000.0, "future_profits": 5620849247.014319, "valuation_correction": 3549396.2343274555, "limited_liability_put_option": 15628600699.603518, "fair_value": 26647499342.852165, "market_value": 12016273011.068527}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000020286.svg", "value": 0.9785414344415339, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000020286.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000020286.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000020286.svg"}, {"company_id": "0001472787", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001472787.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 18, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 23% points.The greatest weakness of First American Financial Corp is the variable Assets, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 97%, being 0.71% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001472787_2021_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"}, "2017": {"Separate Account Asset": "-1.04", "Assets": "-26.3", "Liabilities": "19.8", "Stockholders Equity": "-15.4", "ECR before LimitedLiability": "1.17", "Premiums Receivable": "-4.42", "Investments": "-20.1", "Intangible Assets": "3.19", "Assets, Current": "2.03", "Other Assets": "-7.06", "Deferred Policy Acquisition Costs": "-2.09", "Reinsurance Recoverables": "-5.20", "Claims Reserve and LAE": "19.3", "Liabilities Current": "1.19", "Long Term Debt": "6.07", "Policyholder Contract Deposits": "4.02", "Reinsurance Payable": "1.50", "Other Liabilities": "-17.1", "Unearned Premiums": "16.4", "Economic Capital Ratio": "1.46", "Other Revenues": "-1.31"}, "2018": {"Assets": "-24.9", "Liabilities": "18.5", "Stockholders Equity": "-13.9", "Economic Capital Ratio": "0.482", "Reinsurance Recoverables": "-3.98", "Assets, Current": "1.74", "Intangible Assets": "2.27", "Deferred Policy Acquisition Costs": "-2.20", "Other Assets": "-3.39", "Separate Account Asset": "-1.44", "Investments": "-20.0", "Premiums Receivable": "-4.00", "Other Liabilities": "-17.7", "Liabilities Current": "1.31", "Long Term Debt": "5.00", "Reinsurance Payable": "1.52", "Unearned Premiums": "15.4", "Policyholder Contract Deposits": "4.20", "Claims Reserve and LAE": "18.0", "Other Revenues": "-1.67", "Premiums Earned": "0.684", "General and Administrative Expense": "1.06"}, "2019": {"Premiums Receivable": "-3.61", "Assets": "-27.0", "Liabilities": "21.7", "Stockholders Equity": "-18.4", "ECR before LimitedLiability": "0.711", "Deferred Policy Acquisition Costs": "-1.92", "Investments": "-17.2", "Intangible Assets": "2.64", "Separate Account Asset": "-1.49", "Other Assets": "-11.5", "Reinsurance Recoverables": "-3.49", "Assets, Current": "-2.44", "Policyholder Contract Deposits": "4.68", "Reinsurance Payable": "2.14", "Long Term Debt": "7.48", "Liabilities Current": "1.04", "Other Liabilities": "-5.27", "Claims Reserve and LAE": "20.9", "Unearned Premiums": "12.7", "Economic Capital Ratio": "1.31", "Other Revenues": "-0.880"}, "2020": {"Intangible Assets": "3.18", "Assets": "-29.2", "Liabilities": "23.0", "Stockholders Equity": "-18.8", "Economic Capital Ratio": "0.714", "Assets, Current": "-3.12", "Other Assets": "-13.6", "Deferred Policy Acquisition Costs": "-2.01", "Reinsurance Recoverables": "-4.28", "Separate Account Asset": "-1.71", "Investments": "-18.8", "Premiums Receivable": "-3.59", "Other Liabilities": "1.90", "Long Term Debt": "4.05", "Reinsurance Payable": "3.00", "Claims Reserve and LAE": "21.9", "Policyholder Contract Deposits": "6.71", "Liabilities Current": "1.09", "Unearned Premiums": "12.5", "Other Revenues": "-0.419", "General and Administrative Expense": "0.331"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "1,387,226", "Assets, Non-Current": "653,763", "Claims Reserve and LAE": "1,028,933", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,638,446", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,212,918", "Investment Income": "168,820", "Investments": "5,378,303", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "941,012", "Other Compr. Net Income": "389,192", "Other Expenses": "709,691", "Other Liabilities": "5,061,264", "Other Net Income": "0", "Other Revenues": "5,596,997", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,764,625", "Revenues Y+2": "5,766,110", "Revenues Y+3": "5,765,751", "Revenues Y+4": "5,765,839", "Revenues Y+5": "5,765,817", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "9,573,222", "Liabilities": "6,090,197", "Expenses": "5,348,137", "Revenues": "5,765,817", "Stockholders Equity": "3,483,025", "Net Income": "417,680", "Comprehensive Net Income": "612,275", "BaseVar": "247,480,586", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}, "2018": {"input_variables": {"Assets, Current": "1,467,129", "Assets, Non-Current": "677,341", "Claims Reserve and LAE": "1,042,679", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,453,356", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,253,538", "Investment Income": "173,770", "Investments": "6,225,520", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,007,107", "Other Compr. Net Income": "76,400", "Other Expenses": "817,134", "Other Liabilities": "5,842,568", "Other Net Income": "0", "Other Revenues": "5,574,296", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "5,748,061", "Revenues Y+2": "5,748,068", "Revenues Y+3": "5,748,065", "Revenues Y+4": "5,748,066", "Revenues Y+5": "5,748,066", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "10,630,635", "Liabilities": "6,885,247", "Expenses": "5,270,490", "Revenues": "5,748,066", "Stockholders Equity": "3,745,388", "Net Income": "477,575", "Comprehensive Net Income": "515,776", "BaseVar": "204,781,902", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "113%"}}, "2019": {"input_variables": {"Assets, Current": "1,485,959", "Assets, Non-Current": "688,871", "Claims Reserve and LAE": "1,063,044", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,599,708", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,242,741", "Investment Income": "341,594", "Investments": "6,589,443", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,512,153", "Other Compr. Net Income": "17,719", "Other Expenses": "886,666", "Other Liabilities": "6,031,121", "Other Net Income": "0", "Other Revenues": "5,817,621", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "6,149,593", "Revenues Y+2": "6,161,552", "Revenues Y+3": "6,158,695", "Revenues Y+4": "6,159,379", "Revenues Y+5": "6,159,215", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "11,519,167", "Liabilities": "7,094,165", "Expenses": "5,486,374", "Revenues": "6,159,215", "Stockholders Equity": "4,425,002", "Net Income": "672,841", "Comprehensive Net Income": "681,700", "BaseVar": "322,836,444", "ECR before LimitedLiability": "49%", "Economic Capital Ratio": "120%"}}, "2020": {"input_variables": {"Assets, Current": "1,275,466", "Assets, Non-Current": "733,019", "Claims Reserve and LAE": "1,178,004", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,234,418", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,573,102", "Investment Income": "337,610", "Investments": "7,214,820", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,999,581", "Other Compr. Net Income": "94,281", "Other Expenses": "1,144,535", "Other Liabilities": "6,424,359", "Other Net Income": "0", "Other Revenues": "6,763,557", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "7,104,016", "Revenues Y+2": "7,100,422", "Revenues Y+3": "7,101,341", "Revenues Y+4": "7,101,107", "Revenues Y+5": "7,101,167", "Separate Account Asset": "0", "Unearned Premiums": "271,977"}, "output_variables": {"Assets": "12,795,988", "Liabilities": "7,874,340", "Expenses": "6,378,953", "Revenues": "7,101,167", "Stockholders Equity": "4,921,648", "Net Income": "722,214", "Comprehensive Net Income": "769,355", "BaseVar": "740,141,669", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "121%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 2460824000.0, "future_profits": 2725158691.9614515, "valuation_correction": 39791.90656364852, "limited_liability_put_option": 7284467880.809142, "fair_value": 12470490364.677158, "market_value": 4791328895.463455}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001472787.svg", "value": 0.9736111420570217, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001472787.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001472787.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001472787.svg"}, {"company_id": "0001156039", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001156039.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 19, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 29% points.The greatest weakness of Elevance Health Inc is the variable Stockholders Equity, reducing the Economic Capital Ratio by 71% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 97%, being 0.64% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001156039_2021_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"}, "2017": {"Separate Account Asset": "-2.11", "Assets": "-42.2", "Liabilities": "25.2", "Stockholders Equity": "-48.3", "ECR before LimitedLiability": "1.95", "Premiums Receivable": "-5.50", "Investments": "-39.1", "Intangible Assets": "14.6", "Assets, Current": "17.0", "Other Assets": "-18.3", "Deferred Policy Acquisition Costs": "-4.17", "Reinsurance Recoverables": "-9.81", "Assets, Non-Current": "-4.09", "Claims Reserve and LAE": "21.9", "Liabilities Current": "-23.5", "Long Term Debt": "-4.80", "Policyholder Contract Deposits": "5.59", "Reinsurance Payable": "3.13", "Other Liabilities": "20.7", "Unearned Premiums": "20.0", "Economic Capital Ratio": "2.24"}, "2018": {"Assets, Non-Current": "-4.70", "Assets": "-42.4", "Liabilities": "27.1", "Stockholders Equity": "-51.6", "ECR before LimitedLiability": "3.35", "Reinsurance Recoverables": "-8.34", "Assets, Current": "12.7", "Intangible Assets": "13.1", "Deferred Policy Acquisition Costs": "-4.79", "Other Assets": "-13.4", "Separate Account Asset": "-3.19", "Investments": "-40.0", "Premiums Receivable": "-6.34", "Other Liabilities": "22.2", "Liabilities Current": "-20.9", "Long Term Debt": "-5.67", "Reinsurance Payable": "3.70", "Unearned Premiums": "21.3", "Policyholder Contract Deposits": "7.69", "Claims Reserve and LAE": "23.2", "Economic Capital Ratio": "3.69"}, "2019": {"Premiums Receivable": "-5.96", "Assets": "-43.9", "Liabilities": "29.5", "Stockholders Equity": "-67.6", "ECR before LimitedLiability": "2.52", "Deferred Policy Acquisition Costs": "-4.50", "Investments": "-38.8", "Assets, Non-Current": "-4.66", "Intangible Assets": "13.1", "Separate Account Asset": "-3.53", "Other Assets": "-26.3", "Reinsurance Recoverables": "-7.88", "Assets, Current": "1.35", "Policyholder Contract Deposits": "9.03", "Reinsurance Payable": "5.38", "Long Term Debt": "2.49", "Liabilities Current": "-21.6", "Other Liabilities": "24.9", "Claims Reserve and LAE": "24.7", "Unearned Premiums": "22.7", "Economic Capital Ratio": "3.12"}, "2020": {"Intangible Assets": "11.4", "Assets": "-46.5", "Liabilities": "29.5", "Stockholders Equity": "-71.4", "Economic Capital Ratio": "0.638", "Assets, Current": "3.16", "Other Assets": "-30.4", "Deferred Policy Acquisition Costs": "-4.93", "Reinsurance Recoverables": "-9.95", "Separate Account Asset": "-4.23", "Investments": "-41.0", "Premiums Receivable": "-6.50", "Assets, Non-Current": "-4.66", "Other Liabilities": "24.6", "Long Term Debt": "-6.42", "Reinsurance Payable": "7.54", "Claims Reserve and LAE": "24.6", "Policyholder Contract Deposits": "13.2", "Liabilities Current": "-23.9", "Unearned Premiums": "21.8", "Other Revenues": "-0.447"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "36,262,800", "Assets, Non-Current": "2,174,900", "Claims Reserve and LAE": "11,659,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "12,646,290", "Insurance Commissions and Fees": "0", "Intangible Assets": "27,599,600", "Investment Income": "879,723", "Investments": "0", "Liabilities Current": "23,356,000", "Long Term Debt": "18,307,300", "Other Assets": "-1,682,200", "Other Compr. Net Income": "38,921", "Other Expenses": "1,670,828", "Other Liabilities": "-13,095,800", "Other Net Income": "0", "Other Revenues": "5,438,740", "Policyholder Benefits and Claims": "72,207,846", "Policyholder Contract Deposits": "2,950,300", "Premiums Earned": "83,580,316", "Premiums Receivable": "6,184,900", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "89,862,993", "Revenues Y+2": "89,912,831", "Revenues Y+3": "89,894,263", "Revenues Y+4": "89,901,718", "Revenues Y+5": "89,898,779", "Separate Account Asset": "0", "Unearned Premiums": "860,300"}, "output_variables": {"Assets": "70,540,000", "Liabilities": "44,037,100", "Expenses": "86,524,965", "Revenues": "89,898,779", "Stockholders Equity": "26,502,900", "Net Income": "3,373,814", "Comprehensive Net Income": "3,393,275", "BaseVar": "3,733,594,079", "ECR before LimitedLiability": "60%", "Economic Capital Ratio": "129%"}}, "2018": {"input_variables": {"Assets, Current": "34,321,000", "Assets, Non-Current": "2,735,000", "Claims Reserve and LAE": "10,825,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "13,972,148", "Insurance Commissions and Fees": "0", "Intangible Assets": "29,511,000", "Investment Income": "987,141", "Investments": "0", "Liabilities Current": "21,965,000", "Long Term Debt": "18,399,000", "Other Assets": "539,000", "Other Compr. Net Income": "-1,202,346", "Other Expenses": "1,137,843", "Other Liabilities": "-11,651,000", "Other Net Income": "0", "Other Revenues": "5,660,039", "Policyholder Benefits and Claims": "71,897,036", "Policyholder Contract Deposits": "2,590,000", "Premiums Earned": "85,400,571", "Premiums Receivable": "4,465,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "92,024,484", "Revenues Y+2": "92,056,255", "Revenues Y+3": "92,044,923", "Revenues Y+4": "92,049,556", "Revenues Y+5": "92,047,750", "Separate Account Asset": "0", "Unearned Premiums": "902,000"}, "output_variables": {"Assets": "71,571,000", "Liabilities": "43,030,000", "Expenses": "87,007,028", "Revenues": "92,047,750", "Stockholders Equity": "28,541,000", "Net Income": "5,040,722", "Comprehensive Net Income": "4,439,549", "BaseVar": "3,242,055,328", "ECR before LimitedLiability": "63%", "Economic Capital Ratio": "131%"}}, "2019": {"input_variables": {"Assets, Current": "39,033,000", "Assets, Non-Current": "3,133,000", "Claims Reserve and LAE": "12,651,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "15,333,073", "Insurance Commissions and Fees": "0", "Intangible Assets": "29,174,000", "Investment Income": "1,010,922", "Investments": "0", "Liabilities Current": "23,617,000", "Long Term Debt": "19,207,000", "Other Assets": "940,000", "Other Compr. Net Income": "-1,015,210", "Other Expenses": "1,094,409", "Other Liabilities": "-13,817,000", "Other Net Income": "0", "Other Revenues": "89,998,444", "Policyholder Benefits and Claims": "81,712,806", "Policyholder Contract Deposits": "3,050,000", "Premiums Earned": "4,577,608", "Premiums Receivable": "5,173,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "93,776,702", "Revenues Y+2": "95,897,783", "Revenues Y+3": "95,538,201", "Revenues Y+4": "95,596,135", "Revenues Y+5": "95,586,973", "Separate Account Asset": "0", "Unearned Premiums": "1,017,000"}, "output_variables": {"Assets": "77,453,000", "Liabilities": "45,725,000", "Expenses": "98,140,288", "Revenues": "95,586,973", "Stockholders Equity": "31,728,000", "Net Income": "-2,553,315", "Comprehensive Net Income": "-3,060,920", "BaseVar": "5,296,601,648", "ECR before LimitedLiability": "60%", "Economic Capital Ratio": "129%"}}, "2020": {"input_variables": {"Assets, Current": "45,751,000", "Assets, Non-Current": "3,483,000", "Claims Reserve and LAE": "12,153,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "27,993,120", "Insurance Commissions and Fees": "0", "Intangible Assets": "31,096,000", "Investment Income": "856,354", "Investments": "0", "Liabilities Current": "29,453,000", "Long Term Debt": "21,150,000", "Other Assets": "1,006,000", "Other Compr. Net Income": "224,819", "Other Expenses": "2,432,864", "Other Liabilities": "-15,189,000", "Other Net Income": "0", "Other Revenues": "124,883,662", "Policyholder Benefits and Claims": "88,162,368", "Policyholder Contract Deposits": "4,590,000", "Premiums Earned": "0", "Premiums Receivable": "5,279,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "125,043,944", "Revenues Y+2": "125,615,440", "Revenues Y+3": "125,718,216", "Revenues Y+4": "125,736,695", "Revenues Y+5": "125,740,017", "Separate Account Asset": "0", "Unearned Premiums": "1,259,000"}, "output_variables": {"Assets": "86,615,000", "Liabilities": "53,416,000", "Expenses": "118,588,353", "Revenues": "125,740,017", "Stockholders Equity": "33,199,000", "Net Income": "7,151,664", "Comprehensive Net Income": "7,264,073", "BaseVar": "13,218,036,371", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 16599500000.0, "future_profits": 32600322685.232185, "valuation_correction": -3687073.714125839, "limited_liability_put_option": 46133670643.92577, "fair_value": 95329806255.44383, "market_value": 71489499091.23032}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001156039.svg", "value": 0.9728542893049783, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001156039.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001156039.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001156039.svg"}, {"company_id": "0001071739", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001071739.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 20, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 30% points.The greatest weakness of Centene CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 84% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 97%, being 0.27% points above the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001071739_2021_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"}, "2017": {"Separate Account Asset": "-3.75", "Assets": "-52.7", "Liabilities": "25.3", "Stockholders Equity": "-91.3", "ECR before LimitedLiability": "-2.14", "Premiums Receivable": "-9.35", "Investments": "-48.2", "Intangible Assets": "3.44", "Assets, Current": "1.52", "Other Assets": "-28.7", "Deferred Policy Acquisition Costs": "-7.25", "Reinsurance Recoverables": "-16.0", "Assets, Non-Current": "-7.25", "Claims Reserve and LAE": "20.9", "Liabilities Current": "-28.3", "Long Term Debt": "5.01", "Policyholder Contract Deposits": "13.2", "Reinsurance Payable": "5.13", "Other Liabilities": "18.3", "Unearned Premiums": "17.3", "Economic Capital Ratio": "-1.85"}, "2018": {"Assets, Non-Current": "-7.21", "Assets": "-49.9", "Liabilities": "27.4", "Stockholders Equity": "-84.0", "Economic Capital Ratio": "0.788", "Reinsurance Recoverables": "-12.2", "Assets, Current": "1.30", "Intangible Assets": "2.44", "Deferred Policy Acquisition Costs": "-7.24", "Other Assets": "-21.7", "Separate Account Asset": "-4.89", "Investments": "-46.4", "Premiums Receivable": "-7.11", "Other Liabilities": "20.9", "Liabilities Current": "-25.2", "Long Term Debt": "1.26", "Reinsurance Payable": "5.37", "Unearned Premiums": "19.4", "Policyholder Contract Deposits": "14.2", "Claims Reserve and LAE": "22.5", "Policyholder Benefits and Claims": "0.492"}, "2020": {"Intangible Assets": "12.2", "Assets": "-48.5", "Liabilities": "30.2", "Stockholders Equity": "-84.3", "ECR before LimitedLiability": "-0.403", "Assets, Current": "-7.26", "Other Assets": "-33.8", "Deferred Policy Acquisition Costs": "-5.69", "Reinsurance Recoverables": "-11.3", "Separate Account Asset": "-4.89", "Investments": "-42.4", "Premiums Receivable": "-5.06", "Assets, Non-Current": "-5.60", "Other Liabilities": "24.9", "Long Term Debt": "-7.60", "Reinsurance Payable": "8.67", "Claims Reserve and LAE": "25.0", "Policyholder Contract Deposits": "18.5", "Liabilities Current": "-20.8", "Unearned Premiums": "21.7", "Economic Capital Ratio": "0.270"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "8,703,000", "Assets, Non-Current": "1,104,000", "Claims Reserve and LAE": "4,286,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,012,483", "Insurance Commissions and Fees": "0", "Intangible Assets": "6,147,000", "Investment Income": "0", "Investments": "5,312,000", "Liabilities Current": "9,332,000", "Long Term Debt": "5,647,000", "Other Assets": "-2,824,000", "Other Compr. Net Income": "-24,541", "Other Expenses": "5,565,013", "Other Liabilities": "-4,286,000", "Other Net Income": "285,685", "Other Revenues": "5,077,196", "Policyholder Benefits and Claims": "45,296,627", "Policyholder Contract Deposits": "0", "Premiums Earned": "62,852,665", "Premiums Receivable": "3,413,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "54,581,913", "Revenues Y+2": "59,289,314", "Revenues Y+3": "62,947,041", "Revenues Y+4": "65,758,160", "Revenues Y+5": "67,929,862", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "21,855,000", "Liabilities": "14,979,000", "Expenses": "55,874,123", "Revenues": "67,929,862", "Stockholders Equity": "6,876,000", "Net Income": "12,341,423", "Comprehensive Net Income": "12,329,153", "BaseVar": "2,604,129,731", "ECR before LimitedLiability": "226%", "Economic Capital Ratio": "244%"}}, "2018": {"input_variables": {"Assets, Current": "11,998,000", "Assets, Non-Current": "1,706,000", "Claims Reserve and LAE": "6,831,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "24,641,258", "Insurance Commissions and Fees": "0", "Intangible Assets": "9,254,000", "Investment Income": "0", "Investments": "6,861,000", "Liabilities Current": "11,971,000", "Long Term Debt": "7,907,000", "Other Assets": "-4,068,000", "Other Compr. Net Income": "52,853", "Other Expenses": "5,109,855", "Other Liabilities": "-6,831,000", "Other Net Income": "371,437", "Other Revenues": "4,039,627", "Policyholder Benefits and Claims": "57,805,637", "Policyholder Contract Deposits": "0", "Premiums Earned": "105,964,543", "Premiums Receivable": "5,150,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "72,488,129", "Revenues Y+2": "83,115,897", "Revenues Y+3": "92,994,227", "Revenues Y+4": "101,891,106", "Revenues Y+5": "110,004,171", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "30,901,000", "Liabilities": "19,878,000", "Expenses": "87,556,750", "Revenues": "110,004,171", "Stockholders Equity": "11,023,000", "Net Income": "22,818,858", "Comprehensive Net Income": "22,845,284", "BaseVar": "3,523,361,428", "ECR before LimitedLiability": "273%", "Economic Capital Ratio": "282%"}}, "2020": {"input_variables": {"Assets, Current": "23,393,000", "Assets, Non-Current": "2,774,000", "Claims Reserve and LAE": "12,438,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "14,685,192", "Insurance Commissions and Fees": "0", "Intangible Assets": "27,040,000", "Investment Income": "0", "Investments": "12,853,000", "Liabilities Current": "21,585,000", "Long Term Debt": "19,638,000", "Other Assets": "-7,037,000", "Other Compr. Net Income": "120,240", "Other Expenses": "8,965,888", "Other Liabilities": "-10,904,000", "Other Net Income": "732,468", "Other Revenues": "6,377,355", "Policyholder Benefits and Claims": "126,838,727", "Policyholder Contract Deposits": "0", "Premiums Earned": "178,298,824", "Premiums Receivable": "9,696,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "140,049,648", "Revenues Y+2": "159,726,183", "Revenues Y+3": "171,841,594", "Revenues Y+4": "179,711,095", "Revenues Y+5": "184,676,179", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "68,719,000", "Liabilities": "42,757,000", "Expenses": "150,489,806", "Revenues": "184,676,179", "Stockholders Equity": "25,962,000", "Net Income": "34,918,840", "Comprehensive Net Income": "34,978,961", "BaseVar": "18,121,259,134", "ECR before LimitedLiability": "224%", "Economic Capital Ratio": "242%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 12981000000.0, "future_profits": 111855341579.85739, "valuation_correction": -137263837.52123374, "limited_liability_put_option": 10456452224.919033, "fair_value": 135155529967.25519, "market_value": 34135588527.75}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001071739.svg", "value": 0.9691690935059892, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001071739.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001071739.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001071739.svg"}, {"company_id": "0001669162", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001669162.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 21, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Liabilities, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Kinsale Capital Group Inc is the variable Other Assets, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 97%, being 0.13% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001669162_2021_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"}, "2017": {"Separate Account Asset": "-0.494", "Assets": "1.46", "Liabilities": "1.36", "Stockholders Equity": "2.97", "ECR before LimitedLiability": "0.704", "Premiums Receivable": "-0.934", "Investments": "6.42", "Intangible Assets": "-1.15", "Assets, Current": "3.50", "Other Assets": "-4.78", "Reinsurance Recoverables": "1.53", "Assets, Non-Current": "-1.11", "Claims Reserve and LAE": "-12.3", "Liabilities Current": "0.557", "Long Term Debt": "2.89", "Policyholder Contract Deposits": "1.90", "Reinsurance Payable": "0.377", "Other Liabilities": "8.42", "Unearned Premiums": "-1.99", "Economic Capital Ratio": "0.993", "Premiums Earned": "-0.262"}, "2018": {"Assets, Non-Current": "-1.36", "Assets": "-1.93", "Liabilities": "3.89", "Stockholders Equity": "0.809", "ECR before LimitedLiability": "-0.560", "Reinsurance Recoverables": "1.94", "Assets, Current": "2.00", "Intangible Assets": "-1.59", "Deferred Policy Acquisition Costs": "-0.384", "Other Assets": "-3.20", "Separate Account Asset": "-0.791", "Investments": "2.80", "Premiums Receivable": "-0.909", "Other Liabilities": "10.1", "Liabilities Current": "0.698", "Long Term Debt": "2.70", "Reinsurance Payable": "0.419", "Unearned Premiums": "-2.06", "Policyholder Contract Deposits": "2.26", "Claims Reserve and LAE": "-11.8", "Economic Capital Ratio": "-0.222", "Premiums Earned": "-0.359"}, "2019": {"Premiums Receivable": "-0.698", "Assets": "-6.08", "Liabilities": "9.00", "Stockholders Equity": "-0.961", "Economic Capital Ratio": "0.477", "Investments": "6.36", "Assets, Non-Current": "-0.531", "Intangible Assets": "-1.12", "Separate Account Asset": "-0.815", "Other Assets": "-8.80", "Reinsurance Recoverables": "1.56", "Assets, Current": "-0.375", "Policyholder Contract Deposits": "2.51", "Reinsurance Payable": "0.693", "Long Term Debt": "4.05", "Liabilities Current": "0.554", "Other Liabilities": "13.4", "Claims Reserve and LAE": "-9.13", "Unearned Premiums": "-4.62", "Policyholder Benefits and Claims": "0.183", "Premiums Earned": "-0.260"}, "2020": {"Intangible Assets": "-1.17", "Assets": "-9.22", "Liabilities": "14.5", "Stockholders Equity": "-1.05", "ECR before LimitedLiability": "-0.803", "Assets, Current": "-1.84", "Other Assets": "-10.5", "Deferred Policy Acquisition Costs": "-0.224", "Reinsurance Recoverables": "0.808", "Separate Account Asset": "-0.927", "Investments": "6.75", "Premiums Receivable": "-0.687", "Other Liabilities": "15.0", "Long Term Debt": "2.15", "Reinsurance Payable": "1.04", "Claims Reserve and LAE": "-4.53", "Policyholder Contract Deposits": "3.60", "Liabilities Current": "0.576", "Unearned Premiums": "-3.72", "Economic Capital Ratio": "-0.131", "Premiums Earned": "-0.155"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "81,747", "Assets, Non-Current": "2,659", "Claims Reserve and LAE": "315,717", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "11,775", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "10,569", "Investments": "479,323", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "9,107", "Other Compr. Net Income": "6,384", "Other Expenses": "58,195", "Other Liabilities": "7,607", "Other Net Income": "0", "Other Revenues": "154", "Policyholder Benefits and Claims": "103,680", "Policyholder Contract Deposits": "0", "Premiums Earned": "176,053", "Premiums Receivable": "19,787", "Reinsurance Payable": "3,226", "Reinsurance Recoverables": "63,451", "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": "103,110"}, "output_variables": {"Assets": "667,849", "Liabilities": "429,660", "Expenses": "161,875", "Revenues": "186,776", "Stockholders Equity": "238,189", "Net Income": "24,901", "Comprehensive Net Income": "28,093", "BaseVar": "7,945,317", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2018": {"input_variables": {"Assets, Current": "75,089", "Assets, Non-Current": "3,601", "Claims Reserve and LAE": "369,152", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "14,801", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "15,688", "Investments": "567,962", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "14,497", "Other Compr. Net Income": "-5,469", "Other Expenses": "60,286", "Other Liabilities": "7,110", "Other Net Income": "0", "Other Revenues": "-6,262", "Policyholder Benefits and Claims": "128,041", "Policyholder Contract Deposits": "0", "Premiums Earned": "212,688", "Premiums Receivable": "24,253", "Reinsurance Payable": "4,565", "Reinsurance Recoverables": "72,860", "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": "128,250"}, "output_variables": {"Assets": "773,063", "Liabilities": "509,077", "Expenses": "188,327", "Revenues": "222,114", "Stockholders Equity": "263,986", "Net Income": "33,787", "Comprehensive Net Income": "31,052", "BaseVar": "7,989,303", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}, "2019": {"input_variables": {"Assets, Current": "100,408", "Assets, Non-Current": "23,922", "Claims Reserve and LAE": "460,058", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "23,564", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "27,976", "Investments": "807,826", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "11,655", "Other Compr. Net Income": "-5,469", "Other Expenses": "93,471", "Other Liabilities": "30,087", "Other Net Income": "0", "Other Revenues": "-6,251", "Policyholder Benefits and Claims": "230,373", "Policyholder Contract Deposits": "0", "Premiums Earned": "342,688", "Premiums Receivable": "34,483", "Reinsurance Payable": "7,151", "Reinsurance Recoverables": "88,692", "Revenues Y+1": "332,507", "Revenues Y+2": "368,721", "Revenues Y+3": "358,097", "Revenues Y+4": "381,300", "Revenues Y+5": "364,413", "Separate Account Asset": "0", "Unearned Premiums": "187,374"}, "output_variables": {"Assets": "1,090,550", "Liabilities": "684,670", "Expenses": "323,844", "Revenues": "364,413", "Stockholders Equity": "405,880", "Net Income": "40,569", "Comprehensive Net Income": "37,835", "BaseVar": "19,536,146", "ECR before LimitedLiability": "37%", "Economic Capital Ratio": "110%"}}, "2020": {"input_variables": {"Assets, Current": "77,093", "Assets, Non-Current": "50,133", "Claims Reserve and LAE": "636,013", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "31,912", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "41,710", "Investments": "1,211,462", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "10,175", "Other Compr. Net Income": "26,623", "Other Expenses": "128,526", "Other Liabilities": "60,987", "Other Net Income": "0", "Other Revenues": "21,826", "Policyholder Benefits and Claims": "674,879", "Policyholder Contract Deposits": "0", "Premiums Earned": "688,632", "Premiums Receivable": "48,641", "Reinsurance Payable": "12,672", "Reinsurance Recoverables": "117,480", "Revenues Y+1": "559,757", "Revenues Y+2": "632,247", "Revenues Y+3": "685,179", "Revenues Y+4": "723,871", "Revenues Y+5": "752,168", "Separate Account Asset": "0", "Unearned Premiums": "260,986"}, "output_variables": {"Assets": "1,546,896", "Liabilities": "970,658", "Expenses": "803,404", "Revenues": "752,168", "Stockholders Equity": "576,238", "Net Income": "-51,236", "Comprehensive Net Income": "-37,925", "BaseVar": "86,323,033", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 288119000.0, "future_profits": 152278550.86995393, "valuation_correction": -2805765.820365377, "limited_liability_put_option": 920161612.3142204, "fair_value": 1357753397.363809, "market_value": 4757555541.678497}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001669162.svg", "value": 0.9651632517099081, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001669162.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001669162.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001669162.svg"}, {"company_id": "0000731766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000731766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 22, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 27% points.The greatest weakness of Unitedhealth Group INC 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 96%, being 1.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000731766_2021_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"}, "2017": {"Separate Account Asset": "-2.36", "Assets": "-44.2", "Liabilities": "26.0", "Stockholders Equity": "-55.8", "ECR before LimitedLiability": "1.83", "Premiums Receivable": "-9.37", "Investments": "-39.8", "Intangible Assets": "17.9", "Assets, Current": "1.43", "Other Assets": "-18.8", "Deferred Policy Acquisition Costs": "-4.66", "Reinsurance Recoverables": "-10.8", "Assets, Non-Current": "-3.99", "Claims Reserve and LAE": "22.4", "Liabilities Current": "-26.0", "Long Term Debt": "-2.16", "Policyholder Contract Deposits": "9.20", "Reinsurance Payable": "3.51", "Other Liabilities": "20.6", "Unearned Premiums": "20.1", "Economic Capital Ratio": "2.12"}, "2018": {"Assets, Non-Current": "-5.02", "Assets": "-45.7", "Liabilities": "26.1", "Stockholders Equity": "-61.5", "ECR before LimitedLiability": "1.28", "Reinsurance Recoverables": "-9.59", "Assets, Current": "-0.675", "Intangible Assets": "14.1", "Deferred Policy Acquisition Costs": "-5.55", "Other Assets": "-14.8", "Separate Account Asset": "-3.71", "Investments": "-42.2", "Premiums Receivable": "-9.63", "Other Liabilities": "20.4", "Liabilities Current": "-23.6", "Long Term Debt": "-4.15", "Reinsurance Payable": "4.12", "Unearned Premiums": "19.5", "Policyholder Contract Deposits": "11.0", "Claims Reserve and LAE": "22.0", "Economic Capital Ratio": "1.61"}, "2019": {"Premiums Receivable": "-8.69", "Assets": "-46.9", "Liabilities": "26.1", "Stockholders Equity": "-71.2", "ECR before LimitedLiability": "-1.12", "Deferred Policy Acquisition Costs": "-4.82", "Investments": "-40.4", "Assets, Non-Current": "-4.68", "Intangible Assets": "17.4", "Separate Account Asset": "-3.79", "Other Assets": "-27.6", "Reinsurance Recoverables": "-8.44", "Assets, Current": "-9.03", "Policyholder Contract Deposits": "11.3", "Reinsurance Payable": "5.29", "Long Term Debt": "1.53", "Liabilities Current": "-25.0", "Other Liabilities": "21.3", "Claims Reserve and LAE": "21.5", "Unearned Premiums": "19.2", "Economic Capital Ratio": "-0.518"}, "2020": {"Intangible Assets": "16.1", "Assets": "-46.6", "Liabilities": "27.0", "Stockholders Equity": "-65.3", "ECR before LimitedLiability": "-1.81", "Assets, Current": "-5.78", "Other Assets": "-29.3", "Deferred Policy Acquisition Costs": "-4.63", "Reinsurance Recoverables": "-9.42", "Separate Account Asset": "-3.97", "Investments": "-39.8", "Premiums Receivable": "-8.02", "Assets, Non-Current": "-4.11", "Other Liabilities": "22.3", "Long Term Debt": "-8.30", "Reinsurance Payable": "6.77", "Claims Reserve and LAE": "22.6", "Policyholder Contract Deposits": "14.7", "Liabilities Current": "-26.1", "Unearned Premiums": "20.1", "Economic Capital Ratio": "-1.14"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "37,084,000", "Assets, Non-Current": "7,013,000", "Claims Reserve and LAE": "17,871,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "29,974,106", "Insurance Commissions and Fees": "0", "Intangible Assets": "63,045,000", "Investment Income": "0", "Investments": "28,341,000", "Liabilities Current": "50,463,000", "Long Term Debt": "34,391,000", "Other Assets": "3,575,000", "Other Compr. Net Income": "171,957", "Other Expenses": "29,349,702", "Other Liabilities": "-15,689,000", "Other Net Income": "0", "Other Revenues": "45,119,661", "Policyholder Benefits and Claims": "132,396,659", "Policyholder Contract Deposits": "0", "Premiums Earned": "161,480,821", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "204,776,650", "Revenues Y+2": "205,842,140", "Revenues Y+3": "206,272,728", "Revenues Y+4": "206,485,689", "Revenues Y+5": "206,600,483", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "139,058,000", "Liabilities": "87,036,000", "Expenses": "191,720,468", "Revenues": "206,600,483", "Stockholders Equity": "52,022,000", "Net Income": "14,880,015", "Comprehensive Net Income": "14,965,994", "BaseVar": "8,414,982,566", "ECR before LimitedLiability": "71%", "Economic Capital Ratio": "137%"}}, "2018": {"input_variables": {"Assets, Current": "38,692,000", "Assets, Non-Current": "8,458,000", "Claims Reserve and LAE": "19,891,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "85,653,613", "Insurance Commissions and Fees": "0", "Intangible Assets": "68,235,000", "Investment Income": "0", "Investments": "32,510,000", "Liabilities Current": "53,209,000", "Long Term Debt": "40,311,000", "Other Assets": "4,326,000", "Other Compr. Net Income": "-1,275,567", "Other Expenses": "-24,414,805", "Other Liabilities": "-17,417,000", "Other Net Income": "0", "Other Revenues": "55,300,100", "Policyholder Benefits and Claims": "148,988,586", "Policyholder Contract Deposits": "0", "Premiums Earned": "183,258,427", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "233,527,500", "Revenues Y+2": "236,242,450", "Revenues Y+3": "237,507,650", "Revenues Y+4": "238,179,826", "Revenues Y+5": "238,558,527", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "152,221,000", "Liabilities": "95,994,000", "Expenses": "210,227,393", "Revenues": "238,558,527", "Stockholders Equity": "56,227,000", "Net Income": "28,331,134", "Comprehensive Net Income": "27,693,350", "BaseVar": "8,075,723,873", "ECR before LimitedLiability": "97%", "Economic Capital Ratio": "155%"}}, "2019": {"input_variables": {"Assets, Current": "42,634,000", "Assets, Non-Current": "8,704,000", "Claims Reserve and LAE": "21,690,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "63,657,042", "Insurance Commissions and Fees": "0", "Intangible Assets": "76,008,000", "Investment Income": "0", "Investments": "37,209,000", "Liabilities Current": "61,782,000", "Long Term Debt": "46,952,000", "Other Assets": "9,334,000", "Other Compr. Net Income": "-809,555", "Other Expenses": "8,344,722", "Other Liabilities": "-18,697,000", "Other Net Income": "0", "Other Revenues": "58,354,931", "Policyholder Benefits and Claims": "159,436,219", "Policyholder Contract Deposits": "0", "Premiums Earned": "193,126,769", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "247,371,186", "Revenues Y+2": "249,510,472", "Revenues Y+3": "250,566,169", "Revenues Y+4": "251,146,409", "Revenues Y+5": "251,481,700", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "173,889,000", "Liabilities": "111,727,000", "Expenses": "231,437,982", "Revenues": "251,481,700", "Stockholders Equity": "62,162,000", "Net Income": "20,043,718", "Comprehensive Net Income": "19,638,940", "BaseVar": "13,146,282,128", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}, "2020": {"input_variables": {"Assets, Current": "53,718,000", "Assets, Non-Current": "8,626,000", "Claims Reserve and LAE": "21,872,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "74,070,606", "Insurance Commissions and Fees": "0", "Intangible Assets": "82,193,000", "Investment Income": "0", "Investments": "41,242,000", "Liabilities Current": "72,420,000", "Long Term Debt": "50,963,000", "Other Assets": "11,510,000", "Other Compr. Net Income": "-273,738", "Other Expenses": "9,842,767", "Other Liabilities": "-18,505,000", "Other Net Income": "0", "Other Revenues": "60,158,483", "Policyholder Benefits and Claims": "160,204,482", "Policyholder Contract Deposits": "0", "Premiums Earned": "205,230,683", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "261,925,216", "Revenues Y+2": "263,782,978", "Revenues Y+3": "264,655,462", "Revenues Y+4": "265,122,019", "Revenues Y+5": "265,389,166", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "197,289,000", "Liabilities": "126,750,000", "Expenses": "244,117,855", "Revenues": "265,389,166", "Stockholders Equity": "70,539,000", "Net Income": "21,271,312", "Comprehensive Net Income": "21,134,443", "BaseVar": "27,569,587,185", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "135%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 35269500000.0, "future_profits": 76295793780.60745, "valuation_correction": -20356761.393949233, "limited_liability_put_option": 107343725250.4224, "fair_value": 218888662269.6359, "market_value": 294443493350.0775}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000731766.svg", "value": 0.9551084827919574, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000731766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000731766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000731766.svg"}, {"company_id": "0001739940", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001739940.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001739940.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001739940.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001739940_256x256.png", "name": "Cigna Group", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001739940.svg", "report_text": "The relative strengths and weaknesses of Cigna Group are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Cigna Group compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 23% points.The greatest weakness of Cigna Group is the variable Stockholders Equity, reducing the Economic Capital Ratio by 52% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 3.3% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001739940_2021_Cigna_Group.pdf", "shrinked_graph_json": {"2018": {"Assets, Non-Current": "-0.520", "Assets": "-7.96", "Liabilities": "5.39", "Stockholders Equity": "-5.71", "ECR before LimitedLiability": "-5.26", "Reinsurance Recoverables": "-2.64", "Assets, Current": "3.51", "Intangible Assets": "13.4", "Deferred Policy Acquisition Costs": "-0.615", "Other Assets": "-2.74", "Separate Account Asset": "1.44", "Investments": "-19.6", "Premiums Receivable": "-2.65", "Liabilities Current": "-13.5", "Long Term Debt": "-16.4", "Reinsurance Payable": "0.871", "Unearned Premiums": "9.15", "Policyholder Contract Deposits": "-0.764", "Claims Reserve and LAE": "12.6", "Economic Capital Ratio": "-4.92", "General and Administrative Expense": "0.186"}, "2019": {"Premiums Receivable": "-6.83", "Assets": "-44.4", "Liabilities": "19.3", "Stockholders Equity": "-51.4", "ECR before LimitedLiability": "-5.45", "Deferred Policy Acquisition Costs": "-2.94", "Investments": "-38.0", "Assets, Non-Current": "-3.92", "Intangible Assets": "15.0", "Other Assets": "-23.8", "Reinsurance Recoverables": "-6.62", "Assets, Current": "-6.58", "Policyholder Contract Deposits": "4.68", "Reinsurance Payable": "3.65", "Long Term Debt": "-1.41", "Liabilities Current": "-16.3", "Other Liabilities": "15.4", "Claims Reserve and LAE": "16.5", "Unearned Premiums": "14.8", "Economic Capital Ratio": "-4.85", "General and Administrative Expense": "0.606"}, "2020": {"Intangible Assets": "17.8", "Assets": "-44.9", "Liabilities": "23.2", "Stockholders Equity": "-52.3", "ECR before LimitedLiability": "-4.02", "Assets, Current": "-6.40", "Other Assets": "-26.3", "Deferred Policy Acquisition Costs": "-3.03", "Reinsurance Recoverables": "-8.04", "Separate Account Asset": "-0.896", "Investments": "-38.1", "Premiums Receivable": "-6.81", "Assets, Non-Current": "-4.82", "Other Liabilities": "18.7", "Long Term Debt": "-7.23", "Reinsurance Payable": "5.37", "Claims Reserve and LAE": "19.9", "Policyholder Contract Deposits": "8.40", "Liabilities Current": "-14.5", "Unearned Premiums": "17.8", "Economic Capital Ratio": "-3.35"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001739940_strength_weakness.svg", "table_records": {"2018": {"input_variables": {"Assets, Current": "20,430,000", "Assets, Non-Current": "4,562,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "2,821,000", "General and Administrative Expense": "16,727,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "83,508,000", "Investment Income": "1,480,000", "Investments": "26,929,000", "Liabilities Current": "31,895,000", "Long Term Debt": "42,993,000", "Other Assets": "7,137,000", "Other Compr. Net Income": "-399,000", "Other Expenses": "1,170,000", "Other Liabilities": "29,427,000", "Other Net Income": "-498,000", "Other Revenues": "11,057,000", "Policyholder Benefits and Claims": "27,528,000", "Policyholder Contract Deposits": "7,839,000", "Premiums Earned": "36,113,000", "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": "7,839,000", "Unearned Premiums": "0"}, "output_variables": {"Assets": "153,226,000", "Liabilities": "112,154,000", "Expenses": "45,425,000", "Revenues": "48,650,000", "Stockholders Equity": "41,072,000", "Net Income": "2,727,000", "Comprehensive Net Income": "2,527,500", "BaseVar": "1,810,640,530", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2019": {"input_variables": {"Assets, Current": "29,845,000", "Assets, Non-Current": "4,417,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "2,958,000", "General and Administrative Expense": "111,721,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "81,164,000", "Investment Income": "1,390,000", "Investments": "21,542,000", "Liabilities Current": "40,138,000", "Long Term Debt": "36,353,000", "Other Assets": "7,383,000", "Other Compr. Net Income": "754,000", "Other Expenses": "4,399,000", "Other Liabilities": "25,439,000", "Other Net Income": "-1,684,000", "Other Revenues": "112,462,000", "Policyholder Benefits and Claims": "30,819,000", "Policyholder Contract Deposits": "8,465,000", "Premiums Earned": "39,714,000", "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": "8,465,000", "Unearned Premiums": "0"}, "output_variables": {"Assets": "155,774,000", "Liabilities": "110,395,000", "Expenses": "146,939,000", "Revenues": "153,566,000", "Stockholders Equity": "45,379,000", "Net Income": "4,943,000", "Comprehensive Net Income": "5,320,000", "BaseVar": "8,276,713,532", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}, "2020": {"input_variables": {"Assets, Current": "27,799,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,385,000", "General and Administrative Expense": "117,556,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "79,827,000", "Investment Income": "1,244,000", "Investments": "23,262,000", "Liabilities Current": "36,022,000", "Long Term Debt": "34,174,000", "Other Assets": "12,092,000", "Other Compr. Net Income": "49,000", "Other Expenses": "4,361,000", "Other Liabilities": "25,783,000", "Other Net Income": "2,566,000", "Other Revenues": "116,530,000", "Policyholder Benefits and Claims": "32,710,000", "Policyholder Contract Deposits": "9,086,000", "Premiums Earned": "42,627,000", "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": "9,086,000", "Unearned Premiums": "0"}, "output_variables": {"Assets": "155,451,000", "Liabilities": "105,065,000", "Expenses": "154,627,000", "Revenues": "160,401,000", "Stockholders Equity": "50,386,000", "Net Income": "8,340,000", "Comprehensive Net Income": "8,364,500", "BaseVar": "17,207,838,645", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": 5.0, "valuation": {"past_accumulated_profits": 25193000000.0, "future_profits": 0.0, "valuation_correction": -1214185807.3428133, "limited_liability_put_option": 97551979186.51735, "fair_value": 121530793379.17453, "market_value": 65546202827.22778}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001739940.svg", "value": 0.9330006093996109, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001739940.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001739940.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001739940.svg"}, {"company_id": "0000947484", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000947484.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 24, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Investments, increasing the Economic Capital Ratio by 13% points.The greatest weakness of ARCH Capital Group LTD 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 93%, being 3.4% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000947484_2021_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"}, "2017": {"Separate Account Asset": "-0.337", "Assets": "16.3", "Liabilities": "-17.6", "Stockholders Equity": "6.63", "ECR before LimitedLiability": "-1.66", "Investments": "16.2", "Intangible Assets": "-0.789", "Assets, Current": "-0.542", "Other Assets": "0.871", "Reinsurance Recoverables": "3.19", "Assets, Non-Current": "0.594", "Claims Reserve and LAE": "-10.8", "Liabilities Current": "0.358", "Long Term Debt": "1.86", "Policyholder Contract Deposits": "0.737", "Reinsurance Payable": "-0.211", "Other Liabilities": "-6.88", "Unearned Premiums": "-1.98", "Economic Capital Ratio": "-1.37", "Premiums Earned": "-0.105", "Other Revenues": "0.105"}, "2018": {"Assets, Non-Current": "0.285", "Assets": "16.2", "Liabilities": "-16.6", "Stockholders Equity": "6.70", "ECR before LimitedLiability": "-1.57", "Reinsurance Recoverables": "4.23", "Assets, Current": "-0.601", "Intangible Assets": "-1.02", "Other Assets": "1.75", "Separate Account Asset": "-0.504", "Investments": "13.8", "Premiums Receivable": "0.345", "Other Liabilities": "-4.47", "Liabilities Current": "0.431", "Long Term Debt": "1.67", "Reinsurance Payable": "-0.303", "Unearned Premiums": "-2.11", "Policyholder Contract Deposits": "0.925", "Claims Reserve and LAE": "-12.2", "Economic Capital Ratio": "-1.23", "Premiums Earned": "-0.285"}, "2019": {"Premiums Receivable": "0.738", "Assets": "14.3", "Liabilities": "-13.3", "Stockholders Equity": "4.27", "ECR before LimitedLiability": "-3.28", "Investments": "13.9", "Assets, Non-Current": "0.659", "Intangible Assets": "-0.741", "Separate Account Asset": "-0.540", "Other Assets": "-2.97", "Reinsurance Recoverables": "5.74", "Assets, Current": "-1.96", "Policyholder Contract Deposits": "1.19", "Reinsurance Payable": "-0.461", "Long Term Debt": "2.51", "Liabilities Current": "0.340", "Other Liabilities": "-1.10", "Claims Reserve and LAE": "-12.7", "Unearned Premiums": "-3.13", "Economic Capital Ratio": "-2.68", "Premiums Earned": "-0.189"}, "2020": {"Intangible Assets": "-0.813", "Assets": "8.24", "Liabilities": "-7.00", "Stockholders Equity": "3.45", "ECR before LimitedLiability": "-4.11", "Assets, Current": "-1.80", "Other Assets": "-5.28", "Reinsurance Recoverables": "4.49", "Separate Account Asset": "-0.642", "Investments": "12.6", "Premiums Receivable": "0.718", "Assets, Non-Current": "0.954", "Other Liabilities": "1.63", "Long Term Debt": "1.38", "Claims Reserve and LAE": "-10.5", "Policyholder Contract Deposits": "2.00", "Liabilities Current": "0.368", "Unearned Premiums": "-2.30", "Economic Capital Ratio": "-3.44", "Policyholder Benefits and Claims": "0.0937", "Premiums Earned": "-0.110"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "606,199", "Assets, Non-Current": "1,053,009", "Claims Reserve and LAE": "11,383,792", "Deferred Acquisition Costs Amortization": "785,798", "Deferred Policy Acquisition Costs": "535,824", "General and Administrative Expense": "772,597", "Insurance Commissions and Fees": "30,094", "Intangible Assets": "0", "Investment Income": "0", "Investments": "21,840,012", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,414,611", "Other Compr. Net Income": "-48,786", "Other Expenses": "2,580,777", "Other Liabilities": "6,235,938", "Other Net Income": "0", "Other Revenues": "699,299", "Policyholder Benefits and Claims": "3,131,992", "Policyholder Contract Deposits": "240,183", "Premiums Earned": "4,938,208", "Premiums Receivable": "1,135,249", "Reinsurance Payable": "323,496", "Reinsurance Recoverables": "3,466,754", "Revenues Y+1": "5,643,508", "Revenues Y+2": "5,671,737", "Revenues Y+3": "5,666,243", "Revenues Y+4": "5,668,147", "Revenues Y+5": "5,667,601", "Separate Account Asset": "0", "Unearned Premiums": "3,622,314"}, "output_variables": {"Assets": "32,051,658", "Liabilities": "21,805,723", "Expenses": "7,271,164", "Revenues": "5,667,601", "Stockholders Equity": "10,245,935", "Net Income": "-1,603,563", "Comprehensive Net Income": "-1,627,956", "BaseVar": "297,502,666", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}, "2018": {"input_variables": {"Assets, Current": "646,556", "Assets, Non-Current": "929,611", "Claims Reserve and LAE": "11,853,297", "Deferred Acquisition Costs Amortization": "808,616", "Deferred Policy Acquisition Costs": "569,574", "General and Administrative Expense": "755,918", "Insurance Commissions and Fees": "10,820", "Intangible Assets": "0", "Investment Income": "0", "Investments": "21,745,284", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,133,313", "Other Compr. Net Income": "73,195", "Other Expenses": "332,677", "Other Liabilities": "5,543,980", "Other Net Income": "0", "Other Revenues": "373,097", "Policyholder Benefits and Claims": "2,879,546", "Policyholder Contract Deposits": "236,630", "Premiums Earned": "5,287,827", "Premiums Receivable": "1,299,150", "Reinsurance Payable": "393,107", "Reinsurance Recoverables": "3,894,841", "Revenues Y+1": "5,735,897", "Revenues Y+2": "5,636,559", "Revenues Y+3": "5,682,934", "Revenues Y+4": "5,663,009", "Revenues Y+5": "5,671,745", "Separate Account Asset": "0", "Unearned Premiums": "3,753,636"}, "output_variables": {"Assets": "32,218,329", "Liabilities": "21,780,650", "Expenses": "4,776,757", "Revenues": "5,671,745", "Stockholders Equity": "10,437,679", "Net Income": "894,988", "Comprehensive Net Income": "931,586", "BaseVar": "212,895,197", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "105%"}}, "2019": {"input_variables": {"Assets, Current": "726,230", "Assets, Non-Current": "1,383,788", "Claims Reserve and LAE": "13,891,842", "Deferred Acquisition Costs Amortization": "845,344", "Deferred Policy Acquisition Costs": "633,400", "General and Administrative Expense": "889,784", "Insurance Commissions and Fees": "26,265", "Intangible Assets": "0", "Investment Income": "0", "Investments": "24,402,246", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,379,481", "Other Compr. Net Income": "-11,031", "Other Expenses": "346,959", "Other Liabilities": "6,464,648", "Other Net Income": "0", "Other Revenues": "610,653", "Policyholder Benefits and Claims": "3,164,718", "Policyholder Contract Deposits": "206,698", "Premiums Earned": "5,884,784", "Premiums Receivable": "1,778,717", "Reinsurance Payable": "667,072", "Reinsurance Recoverables": "5,581,499", "Revenues Y+1": "6,308,538", "Revenues Y+2": "6,864,507", "Revenues Y+3": "6,447,452", "Revenues Y+4": "6,770,861", "Revenues Y+5": "6,521,702", "Separate Account Asset": "0", "Unearned Premiums": "4,339,549"}, "output_variables": {"Assets": "37,885,361", "Liabilities": "25,569,809", "Expenses": "5,246,805", "Revenues": "6,521,702", "Stockholders Equity": "12,315,552", "Net Income": "1,274,897", "Comprehensive Net Income": "1,269,381", "BaseVar": "348,381,844", "ECR before LimitedLiability": "33%", "Economic Capital Ratio": "107%"}}, "2020": {"input_variables": {"Assets, Current": "906,448", "Assets, Non-Current": "1,853,579", "Claims Reserve and LAE": "16,513,929", "Deferred Acquisition Costs Amortization": "1,030,485", "Deferred Policy Acquisition Costs": "790,708", "General and Administrative Expense": "965,873", "Insurance Commissions and Fees": "27,067", "Intangible Assets": "0", "Investment Income": "0", "Investments": "28,761,358", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,170,741", "Other Compr. Net Income": "274,837", "Other Expenses": "399,936", "Other Liabilities": "7,043,118", "Other Net Income": "0", "Other Revenues": "1,427,011", "Policyholder Benefits and Claims": "5,157,437", "Policyholder Contract Deposits": "215,581", "Premiums Earned": "7,343,123", "Premiums Receivable": "2,064,586", "Reinsurance Payable": "683,263", "Reinsurance Recoverables": "5,734,877", "Revenues Y+1": "8,697,796", "Revenues Y+2": "8,784,800", "Revenues Y+3": "8,792,119", "Revenues Y+4": "8,796,925", "Revenues Y+5": "8,797,202", "Separate Account Asset": "0", "Unearned Premiums": "4,838,965"}, "output_variables": {"Assets": "43,282,297", "Liabilities": "29,294,856", "Expenses": "7,553,731", "Revenues": "8,797,202", "Stockholders Equity": "13,987,441", "Net Income": "1,243,470", "Comprehensive Net Income": "1,380,889", "BaseVar": "930,147,186", "ECR before LimitedLiability": "33%", "Economic Capital Ratio": "106%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 6993720500.0, "future_profits": 4876216267.230939, "valuation_correction": -3878196.7011648864, "limited_liability_put_option": 26629880626.05053, "fair_value": 38495939196.58031, "market_value": 13586509831.327744}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000947484.svg", "value": 0.932090104366891, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000947484.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000947484.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000947484.svg"}, {"company_id": "0000064996", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000064996.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 25, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 19% 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 93%, being 3.6% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000064996_2021_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"}, "2017": {"Separate Account Asset": "-1.16", "Assets": "-29.6", "Liabilities": "19.0", "Stockholders Equity": "-19.7", "Economic Capital Ratio": "0.188", "Premiums Receivable": "-0.821", "Investments": "-19.6", "Intangible Assets": "-2.16", "Assets, Current": "-4.52", "Other Assets": "-8.75", "Deferred Policy Acquisition Costs": "-0.703", "Reinsurance Recoverables": "-5.77", "Assets, Non-Current": "-1.53", "Claims Reserve and LAE": "17.8", "Liabilities Current": "1.30", "Long Term Debt": "6.58", "Policyholder Contract Deposits": "4.36", "Reinsurance Payable": "1.63", "Other Liabilities": "12.0", "Unearned Premiums": "5.20", "Premiums Earned": "-0.270", "Policyholder Benefits and Claims": "0.323"}, "2018": {"Assets, Non-Current": "-1.91", "Assets": "-31.3", "Liabilities": "15.7", "Stockholders Equity": "-22.3", "ECR before LimitedLiability": "-3.39", "Reinsurance Recoverables": "-4.85", "Assets, Current": "-4.99", "Intangible Assets": "-3.06", "Deferred Policy Acquisition Costs": "-0.994", "Other Assets": "-4.33", "Separate Account Asset": "-1.77", "Investments": "-23.4", "Other Liabilities": "14.0", "Liabilities Current": "1.48", "Long Term Debt": "5.64", "Reinsurance Payable": "1.73", "Unearned Premiums": "4.60", "Policyholder Contract Deposits": "4.75", "Claims Reserve and LAE": "14.4", "Economic Capital Ratio": "-3.05", "Policyholder Benefits and Claims": "0.434"}, "2019": {"Assets": "-35.0", "Liabilities": "17.5", "Stockholders Equity": "-30.6", "ECR before LimitedLiability": "-4.58", "Deferred Policy Acquisition Costs": "-0.807", "Investments": "-20.9", "Assets, Non-Current": "-1.92", "Intangible Assets": "-2.27", "Separate Account Asset": "-1.95", "Other Assets": "-16.9", "Reinsurance Recoverables": "-4.53", "Assets, Current": "-9.10", "Policyholder Contract Deposits": "5.41", "Reinsurance Payable": "2.48", "Long Term Debt": "8.62", "Liabilities Current": "1.21", "Other Liabilities": "15.7", "Claims Reserve and LAE": "15.6", "Unearned Premiums": "1.18", "Economic Capital Ratio": "-3.98", "Policyholder Benefits and Claims": "0.362"}, "2020": {"Intangible Assets": "-2.05", "Assets": "-32.8", "Liabilities": "19.1", "Stockholders Equity": "-24.3", "ECR before LimitedLiability": "-4.24", "Assets, Current": "-7.45", "Other Assets": "-17.5", "Deferred Policy Acquisition Costs": "-0.582", "Reinsurance Recoverables": "-4.78", "Separate Account Asset": "-1.91", "Investments": "-17.7", "Premiums Receivable": "0.244", "Assets, Non-Current": "-1.36", "Other Liabilities": "17.6", "Long Term Debt": "4.10", "Reinsurance Payable": "3.05", "Claims Reserve and LAE": "17.5", "Policyholder Contract Deposits": "6.79", "Liabilities Current": "1.11", "Unearned Premiums": "0.764", "Economic Capital Ratio": "-3.57"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "177,815", "Claims Reserve and LAE": "1,510,613", "Deferred Acquisition Costs Amortization": "555,646", "Deferred Policy Acquisition Costs": "198,151", "General and Administrative Expense": "233,700", "Insurance Commissions and Fees": "0", "Intangible Assets": "63,524", "Investment Income": "40,942", "Investments": "3,732,728", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "409,019", "Other Compr. Net Income": "0", "Other Expenses": "11,480", "Other Liabilities": "727,396", "Other Net Income": "0", "Other Revenues": "136,918", "Policyholder Benefits and Claims": "2,446,565", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,196,079", "Premiums Receivable": "520,086", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,353,881", "Revenues Y+2": "3,387,294", "Revenues Y+3": "3,369,512", "Revenues Y+4": "3,378,977", "Revenues Y+5": "3,373,939", "Separate Account Asset": "0", "Unearned Premiums": "1,101,927"}, "output_variables": {"Assets": "5,101,323", "Liabilities": "3,339,936", "Expenses": "3,247,392", "Revenues": "3,373,939", "Stockholders Equity": "1,761,387", "Net Income": "126,547", "Comprehensive Net Income": "126,547", "BaseVar": "142,165,019", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "112%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "198,031", "Claims Reserve and LAE": "1,829,412", "Deferred Acquisition Costs Amortization": "571,464", "Deferred Policy Acquisition Costs": "215,131", "General and Administrative Expense": "243,265", "Insurance Commissions and Fees": "0", "Intangible Assets": "58,330", "Investment Income": "3,169", "Investments": "3,768,091", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "587,603", "Other Compr. Net Income": "0", "Other Expenses": "16,533", "Other Liabilities": "750,452", "Other Net Income": "0", "Other Revenues": "145,185", "Policyholder Benefits and Claims": "2,579,728", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,370,447", "Premiums Receivable": "606,543", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,561,930", "Revenues Y+2": "3,413,023", "Revenues Y+3": "3,536,355", "Revenues Y+4": "3,434,222", "Revenues Y+5": "3,518,801", "Separate Account Asset": "0", "Unearned Premiums": "1,236,181"}, "output_variables": {"Assets": "5,433,729", "Liabilities": "3,816,045", "Expenses": "3,410,991", "Revenues": "3,518,801", "Stockholders Equity": "1,617,684", "Net Income": "107,810", "Comprehensive Net Income": "107,810", "BaseVar": "127,059,360", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "213,233", "Claims Reserve and LAE": "1,921,255", "Deferred Acquisition Costs Amortization": "600,895", "Deferred Policy Acquisition Costs": "233,166", "General and Administrative Expense": "266,368", "Insurance Commissions and Fees": "0", "Intangible Assets": "53,432", "Investment Income": "-132,918", "Investments": "4,312,161", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "425,723", "Other Compr. Net Income": "0", "Other Expenses": "17,035", "Other Liabilities": "812,853", "Other Net Income": "0", "Other Revenues": "150,362", "Policyholder Benefits and Claims": "2,709,560", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,603,543", "Premiums Receivable": "651,442", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,620,513", "Revenues Y+2": "3,976,496", "Revenues Y+3": "3,620,787", "Revenues Y+4": "3,976,296", "Revenues Y+5": "3,620,987", "Separate Account Asset": "0", "Unearned Premiums": "1,355,547"}, "output_variables": {"Assets": "5,889,157", "Liabilities": "4,089,655", "Expenses": "3,593,858", "Revenues": "3,620,987", "Stockholders Equity": "1,799,502", "Net Income": "27,129", "Comprehensive Net Income": "27,129", "BaseVar": "198,936,853", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "217,558", "Claims Reserve and LAE": "1,991,304", "Deferred Acquisition Costs Amortization": "626,839", "Deferred Policy Acquisition Costs": "246,994", "General and Administrative Expense": "283,956", "Insurance Commissions and Fees": "0", "Intangible Assets": "54,118", "Investment Income": "158,686", "Investments": "4,729,270", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "437,521", "Other Compr. Net Income": "0", "Other Expenses": "78,349", "Other Liabilities": "898,472", "Other Net Income": "0", "Other Revenues": "143,081", "Policyholder Benefits and Claims": "2,390,640", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,554,927", "Premiums Receivable": "642,785", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "3,886,801", "Revenues Y+2": "3,809,312", "Revenues Y+3": "3,867,563", "Revenues Y+4": "3,823,767", "Revenues Y+5": "3,856,694", "Separate Account Asset": "0", "Unearned Premiums": "1,405,873"}, "output_variables": {"Assets": "6,328,246", "Liabilities": "4,295,649", "Expenses": "3,379,785", "Revenues": "3,856,694", "Stockholders Equity": "2,032,597", "Net Income": "476,910", "Comprehensive Net Income": "476,910", "BaseVar": "394,369,953", "ECR before LimitedLiability": "51%", "Economic Capital Ratio": "121%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 1016298500.0, "future_profits": 1687078649.803861, "valuation_correction": 405514.70463298296, "limited_liability_put_option": 3736389725.384641, "fair_value": 6440172389.893135, "market_value": 2390883393.823841}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000064996.svg", "value": 0.9307692610097779, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000064996.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000064996.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000064996.svg"}, {"company_id": "0001096343", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001096343.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 26, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Liabilities, increasing the Economic Capital Ratio by 9.8% points.The greatest weakness of Markel Group INC is the variable Other Assets, reducing the Economic Capital Ratio by 8.9% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 4.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001096343_2021_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"}, "2017": {"Separate Account Asset": "-0.380", "Assets": "14.7", "Liabilities": "-15.3", "Stockholders Equity": "3.89", "ECR before LimitedLiability": "-3.17", "Premiums Receivable": "0.455", "Investments": "5.87", "Intangible Assets": "3.64", "Assets, Current": "1.51", "Other Assets": "2.68", "Deferred Policy Acquisition Costs": "-0.137", "Reinsurance Recoverables": "-0.523", "Assets, Non-Current": "0.703", "Claims Reserve and LAE": "-15.7", "Liabilities Current": "0.390", "Long Term Debt": "2.03", "Policyholder Contract Deposits": "1.33", "Reinsurance Payable": "-0.142", "Other Liabilities": "-2.78", "Unearned Premiums": "-0.526", "Economic Capital Ratio": "-2.88"}, "2018": {"Assets, Non-Current": "0.568", "Assets": "7.55", "Liabilities": "-9.16", "Stockholders Equity": "0.640", "ECR before LimitedLiability": "-4.36", "Reinsurance Recoverables": "7.95", "Assets, Current": "0.783", "Intangible Assets": "4.37", "Deferred Policy Acquisition Costs": "-0.387", "Other Assets": "-2.89", "Separate Account Asset": "-0.670", "Investments": "-1.99", "Premiums Receivable": "0.384", "Other Liabilities": "-0.372", "Liabilities Current": "0.538", "Long Term Debt": "2.09", "Policyholder Contract Deposits": "1.75", "Claims Reserve and LAE": "-14.0", "Economic Capital Ratio": "-4.02", "Other Expenses": "0.558", "General and Administrative Expense": "-0.199"}, "2019": {"Premiums Receivable": "0.315", "Assets": "-1.01", "Liabilities": "-1.39", "Stockholders Equity": "-2.41", "ECR before LimitedLiability": "-4.90", "Deferred Policy Acquisition Costs": "-0.307", "Investments": "-1.64", "Assets, Non-Current": "0.943", "Intangible Assets": "4.08", "Separate Account Asset": "-0.756", "Other Assets": "-8.26", "Reinsurance Recoverables": "7.13", "Assets, Current": "-0.322", "Policyholder Contract Deposits": "2.09", "Long Term Debt": "3.38", "Liabilities Current": "0.460", "Other Liabilities": "3.29", "Claims Reserve and LAE": "-10.9", "Unearned Premiums": "-0.906", "Economic Capital Ratio": "-4.30", "Other Expenses": "0.359"}, "2020": {"Intangible Assets": "3.91", "Assets": "-1.52", "Liabilities": "1.59", "Stockholders Equity": "-0.550", "ECR before LimitedLiability": "-4.73", "Assets, Current": "1.21", "Other Assets": "-8.86", "Deferred Policy Acquisition Costs": "-0.277", "Reinsurance Recoverables": "6.45", "Separate Account Asset": "-0.798", "Investments": "-2.49", "Premiums Receivable": "0.314", "Assets, Non-Current": "1.40", "Other Liabilities": "9.83", "Long Term Debt": "-3.82", "Reinsurance Payable": "0.490", "Claims Reserve and LAE": "-8.82", "Policyholder Contract Deposits": "2.83", "Liabilities Current": "0.451", "Unearned Premiums": "-0.698", "Economic Capital Ratio": "-4.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "2,198,459", "Assets, Non-Current": "1,223,365", "Claims Reserve and LAE": "14,656,393", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "465,569", "General and Administrative Expense": "1,343,724", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,133,145", "Investment Income": "402,141", "Investments": "18,069,491", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,047,777", "Other Compr. Net Income": "588,197", "Other Expenses": "1,564,484", "Other Liabilities": "4,847,690", "Other Net Income": "-43,281", "Other Revenues": "1,522,754", "Policyholder Benefits and Claims": "2,694,462", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,399,713", "Premiums Receivable": "1,567,453", "Reinsurance Payable": "324,304", "Reinsurance Recoverables": "1,099,757", "Revenues Y+1": "6,196,619", "Revenues Y+2": "6,254,115", "Revenues Y+3": "6,285,323", "Revenues Y+4": "6,307,201", "Revenues Y+5": "6,324,608", "Separate Account Asset": "0", "Unearned Premiums": "3,308,779"}, "output_variables": {"Assets": "32,805,016", "Liabilities": "23,137,166", "Expenses": "5,602,671", "Revenues": "6,324,608", "Stockholders Equity": "9,667,850", "Net Income": "678,657", "Comprehensive Net Income": "972,755", "BaseVar": "289,611,836", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "103%"}}, "2018": {"input_variables": {"Assets, Current": "2,014,168", "Assets, Non-Current": "1,383,823", "Claims Reserve and LAE": "15,277,932", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "474,513", "General and Administrative Expense": "155,278", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,964,171", "Investment Income": "431,318", "Investments": "16,841,829", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "382,264", "Other Compr. Net Income": "249,943", "Other Expenses": "3,405,245", "Other Liabilities": "4,805,613", "Other Net Income": "319,500", "Other Revenues": "2,735,348", "Policyholder Benefits and Claims": "2,829,272", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,922,872", "Premiums Receivable": "1,692,526", "Reinsurance Payable": "337,326", "Reinsurance Recoverables": "6,552,969", "Revenues Y+1": "7,240,108", "Revenues Y+2": "7,515,663", "Revenues Y+3": "7,735,363", "Revenues Y+4": "7,923,672", "Revenues Y+5": "8,089,538", "Separate Account Asset": "0", "Unearned Premiums": "3,611,028"}, "output_variables": {"Assets": "33,306,263", "Liabilities": "24,031,899", "Expenses": "6,389,795", "Revenues": "8,089,538", "Stockholders Equity": "9,274,364", "Net Income": "2,019,243", "Comprehensive Net Income": "2,144,215", "BaseVar": "294,548,531", "ECR before LimitedLiability": "40%", "Economic Capital Ratio": "112%"}}, "2019": {"input_variables": {"Assets, Current": "3,072,807", "Assets, Non-Current": "1,906,115", "Claims Reserve and LAE": "15,714,405", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "566,042", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,047,022", "Investment Income": "450,175", "Investments": "18,757,912", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "427,546", "Other Compr. Net Income": "60,542", "Other Expenses": "4,779,800", "Other Liabilities": "6,038,985", "Other Net Income": "41,313", "Other Revenues": "15,648,337", "Policyholder Benefits and Claims": "2,877,774", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,216,142", "Premiums Receivable": "1,847,802", "Reinsurance Payable": "406,720", "Reinsurance Recoverables": "6,848,569", "Revenues Y+1": "11,963,964", "Revenues Y+2": "14,327,486", "Revenues Y+3": "16,664,463", "Revenues Y+4": "18,991,702", "Revenues Y+5": "21,314,654", "Separate Account Asset": "0", "Unearned Premiums": "4,057,727"}, "output_variables": {"Assets": "37,473,815", "Liabilities": "26,217,837", "Expenses": "7,657,574", "Revenues": "21,314,654", "Stockholders Equity": "11,255,978", "Net Income": "13,698,392", "Comprehensive Net Income": "13,728,663", "BaseVar": "813,407,173", "ECR before LimitedLiability": "133%", "Economic Capital Ratio": "179%"}}, "2020": {"input_variables": {"Assets, Current": "4,341,736", "Assets, Non-Current": "2,393,920", "Claims Reserve and LAE": "17,292,362", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "630,794", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,387,342", "Investment Income": "380,450", "Investments": "19,709,943", "Liabilities Current": "0", "Long Term Debt": "3,484,023", "Other Assets": "874,913", "Other Compr. Net Income": "334,637", "Other Expenses": "5,317,551", "Other Liabilities": "2,946,631", "Other Net Income": "-93,239", "Other Revenues": "3,737,139", "Policyholder Benefits and Claims": "3,360,932", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,927,538", "Premiums Receivable": "1,930,211", "Reinsurance Payable": "493,470", "Reinsurance Recoverables": "7,441,195", "Revenues Y+1": "9,934,347", "Revenues Y+2": "10,005,700", "Revenues Y+3": "10,032,195", "Revenues Y+4": "10,041,693", "Revenues Y+5": "10,045,127", "Separate Account Asset": "0", "Unearned Premiums": "4,433,245"}, "output_variables": {"Assets": "41,710,054", "Liabilities": "28,649,731", "Expenses": "8,678,483", "Revenues": "10,045,127", "Stockholders Equity": "13,060,323", "Net Income": "1,273,404", "Comprehensive Net Income": "1,440,723", "BaseVar": "1,064,829,746", "ECR before LimitedLiability": "33%", "Economic Capital Ratio": "106%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 6530161500.0, "future_profits": 5084562865.7148905, "valuation_correction": -3659953.6613491946, "limited_liability_put_option": 25801853953.083233, "fair_value": 37412918365.13677, "market_value": 13659454898.587402}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001096343.svg", "value": 0.9258993545140997, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001096343.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001096343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001096343.svg"}, {"company_id": "0000896159", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000896159.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 27, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Investments, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Chubb Ltd is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 10% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 4.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000896159_2021_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"}, "2017": {"Separate Account Asset": "-0.366", "Assets": "15.3", "Liabilities": "-15.7", "Stockholders Equity": "4.95", "ECR before LimitedLiability": "-2.57", "Premiums Receivable": "0.882", "Investments": "10.2", "Intangible Assets": "5.55", "Assets, Current": "-1.30", "Other Assets": "0.850", "Deferred Policy Acquisition Costs": "0.530", "Reinsurance Recoverables": "-1.27", "Assets, Non-Current": "0.767", "Claims Reserve and LAE": "-13.6", "Liabilities Current": "0.382", "Long Term Debt": "-2.52", "Policyholder Contract Deposits": "1.30", "Reinsurance Payable": "-1.82", "Other Liabilities": "0.902", "Economic Capital Ratio": "-2.28", "Premiums Earned": "-0.173"}, "2018": {"Assets, Non-Current": "0.573", "Assets": "12.5", "Liabilities": "-12.0", "Stockholders Equity": "3.28", "ECR before LimitedLiability": "-3.11", "Reinsurance Recoverables": "-1.03", "Assets, Current": "-1.42", "Intangible Assets": "4.93", "Deferred Policy Acquisition Costs": "0.405", "Other Assets": "2.36", "Separate Account Asset": "-0.599", "Investments": "5.17", "Premiums Receivable": "1.00", "Other Liabilities": "2.29", "Liabilities Current": "0.495", "Long Term Debt": "-2.76", "Reinsurance Payable": "-1.93", "Unearned Premiums": "0.470", "Policyholder Contract Deposits": "1.61", "Claims Reserve and LAE": "-12.3", "Economic Capital Ratio": "-2.77"}, "2019": {"Premiums Receivable": "1.09", "Assets": "8.17", "Liabilities": "-9.07", "Stockholders Equity": "1.67", "ECR before LimitedLiability": "-3.97", "Deferred Policy Acquisition Costs": "0.529", "Investments": "9.04", "Assets, Non-Current": "0.818", "Intangible Assets": "4.92", "Separate Account Asset": "-0.617", "Other Assets": "-3.13", "Reinsurance Recoverables": "-0.826", "Assets, Current": "-2.77", "Policyholder Contract Deposits": "1.74", "Reinsurance Payable": "-1.51", "Long Term Debt": "-2.17", "Liabilities Current": "0.381", "Other Liabilities": "5.11", "Claims Reserve and LAE": "-12.1", "Unearned Premiums": "-1.14", "Economic Capital Ratio": "-3.37"}, "2020": {"Intangible Assets": "4.42", "Assets": "7.59", "Liabilities": "-7.15", "Stockholders Equity": "2.57", "ECR before LimitedLiability": "-4.82", "Assets, Current": "-2.35", "Other Assets": "-6.94", "Deferred Policy Acquisition Costs": "0.488", "Reinsurance Recoverables": "2.68", "Separate Account Asset": "-0.656", "Investments": "9.64", "Premiums Receivable": "1.03", "Assets, Non-Current": "1.10", "Other Liabilities": "5.84", "Long Term Debt": "-3.79", "Reinsurance Payable": "-1.26", "Claims Reserve and LAE": "-10.5", "Policyholder Contract Deposits": "2.33", "Liabilities Current": "0.370", "Unearned Premiums": "-0.924", "Economic Capital Ratio": "-4.15"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "728,000", "Assets, Non-Current": "6,358,000", "Claims Reserve and LAE": "68,500,000", "Deferred Acquisition Costs Amortization": "5,783,351", "Deferred Policy Acquisition Costs": "4,723,000", "General and Administrative Expense": "2,837,166", "Insurance Commissions and Fees": "0", "Intangible Assets": "22,054,000", "Investment Income": "0", "Investments": "102,444,000", "Liabilities Current": "0", "Long Term Debt": "11,556,000", "Other Assets": "18,852,000", "Other Compr. Net Income": "661,996", "Other Expenses": "1,586,481", "Other Liabilities": "14,710,000", "Other Net Income": "0", "Other Revenues": "3,046,124", "Policyholder Benefits and Claims": "18,907,498", "Policyholder Contract Deposits": "0", "Premiums Earned": "28,974,202", "Premiums Receivable": "9,334,000", "Reinsurance Payable": "5,868,000", "Reinsurance Recoverables": "2,529,000", "Revenues Y+1": "31,932,295", "Revenues Y+2": "32,065,406", "Revenues Y+3": "32,005,716", "Revenues Y+4": "32,033,274", "Revenues Y+5": "32,020,326", "Separate Account Asset": "0", "Unearned Premiums": "15,216,000"}, "output_variables": {"Assets": "167,022,000", "Liabilities": "115,850,000", "Expenses": "29,114,496", "Revenues": "32,020,326", "Stockholders Equity": "51,172,000", "Net Income": "2,905,830", "Comprehensive Net Income": "3,236,828", "BaseVar": "1,428,869,695", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2018": {"input_variables": {"Assets, Current": "1,247,000", "Assets, Non-Current": "6,531,000", "Claims Reserve and LAE": "68,466,000", "Deferred Acquisition Costs Amortization": "5,909,350", "Deferred Policy Acquisition Costs": "4,922,000", "General and Administrative Expense": "2,884,957", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,414,000", "Investment Income": "0", "Investments": "100,968,000", "Liabilities Current": "0", "Long Term Debt": "12,087,000", "Other Assets": "20,070,000", "Other Compr. Net Income": "-899,553", "Other Expenses": "1,710,245", "Other Liabilities": "14,937,000", "Other Net Income": "0", "Other Revenues": "2,838,307", "Policyholder Benefits and Claims": "18,003,093", "Policyholder Contract Deposits": "0", "Premiums Earned": "29,848,166", "Premiums Receivable": "10,075,000", "Reinsurance Payable": "6,437,000", "Reinsurance Recoverables": "2,544,000", "Revenues Y+1": "32,711,976", "Revenues Y+2": "32,655,349", "Revenues Y+3": "32,698,228", "Revenues Y+4": "32,673,457", "Revenues Y+5": "32,686,473", "Separate Account Asset": "0", "Unearned Premiums": "15,532,000"}, "output_variables": {"Assets": "167,771,000", "Liabilities": "117,459,000", "Expenses": "28,507,645", "Revenues": "32,686,473", "Stockholders Equity": "50,312,000", "Net Income": "4,178,828", "Comprehensive Net Income": "3,729,052", "BaseVar": "1,239,676,318", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "101%"}}, "2019": {"input_variables": {"Assets, Current": "1,537,000", "Assets, Non-Current": "7,581,000", "Claims Reserve and LAE": "68,504,000", "Deferred Acquisition Costs Amortization": "6,148,667", "Deferred Policy Acquisition Costs": "5,242,000", "General and Administrative Expense": "3,027,430", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,359,000", "Investment Income": "0", "Investments": "109,234,000", "Liabilities Current": "0", "Long Term Debt": "13,559,000", "Other Assets": "18,986,000", "Other Compr. Net Income": "-2,697,787", "Other Expenses": "1,839,974", "Other Liabilities": "16,594,000", "Other Net Income": "0", "Other Revenues": "2,815,016", "Policyholder Benefits and Claims": "18,837,180", "Policyholder Contract Deposits": "0", "Premiums Earned": "31,034,713", "Premiums Receivable": "10,357,000", "Reinsurance Payable": "6,184,000", "Reinsurance Recoverables": "2,647,000", "Revenues Y+1": "33,747,144", "Revenues Y+2": "33,887,946", "Revenues Y+3": "33,838,671", "Revenues Y+4": "33,857,530", "Revenues Y+5": "33,849,729", "Separate Account Asset": "0", "Unearned Premiums": "16,771,000"}, "output_variables": {"Assets": "176,943,000", "Liabilities": "121,612,000", "Expenses": "29,853,250", "Revenues": "33,849,729", "Stockholders Equity": "55,331,000", "Net Income": "3,996,479", "Comprehensive Net Income": "2,647,585", "BaseVar": "1,934,244,310", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2020": {"input_variables": {"Assets, Current": "1,747,000", "Assets, Non-Current": "8,822,000", "Claims Reserve and LAE": "73,524,000", "Deferred Acquisition Costs Amortization": "6,542,597", "Deferred Policy Acquisition Costs": "5,402,000", "General and Administrative Expense": "2,979,994", "Insurance Commissions and Fees": "0", "Intangible Assets": "21,211,000", "Investment Income": "0", "Investments": "118,669,000", "Liabilities Current": "0", "Long Term Debt": "14,948,000", "Other Assets": "6,082,000", "Other Compr. Net Income": "2,582,841", "Other Expenses": "1,396,320", "Other Liabilities": "18,501,000", "Other Net Income": "0", "Other Revenues": "2,883,331", "Policyholder Benefits and Claims": "22,264,096", "Policyholder Contract Deposits": "0", "Premiums Earned": "32,740,692", "Premiums Receivable": "10,480,000", "Reinsurance Payable": "6,708,000", "Reinsurance Recoverables": "18,361,000", "Revenues Y+1": "35,529,915", "Revenues Y+2": "35,648,091", "Revenues Y+3": "35,618,458", "Revenues Y+4": "35,625,663", "Revenues Y+5": "35,624,023", "Separate Account Asset": "0", "Unearned Premiums": "17,652,000"}, "output_variables": {"Assets": "190,774,000", "Liabilities": "131,333,000", "Expenses": "33,183,008", "Revenues": "35,624,023", "Stockholders Equity": "59,441,000", "Net Income": "2,441,016", "Comprehensive Net Income": "3,732,436", "BaseVar": "3,999,218,663", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 29720500000.0, "future_profits": 13213108726.072483, "valuation_correction": -3789865.290896906, "limited_liability_put_option": 119373374494.21796, "fair_value": 162303193354.99954, "market_value": 63467387883.0303}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000896159.svg", "value": 0.925015266327235, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000896159.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000896159.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000896159.svg"}, {"company_id": "0001379041", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001379041.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 28, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 17% points.The greatest weakness of Employers Holdings Inc is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 4.3% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001379041_2021_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"}, "2017": {"Separate Account Asset": "-0.403", "Assets": "11.5", "Liabilities": "-16.9", "Stockholders Equity": "0.769", "ECR before LimitedLiability": "-6.37", "Premiums Receivable": "2.21", "Investments": "11.5", "Intangible Assets": "-0.418", "Assets, Current": "-0.774", "Other Assets": "3.02", "Deferred Policy Acquisition Costs": "-0.275", "Reinsurance Recoverables": "-2.12", "Assets, Non-Current": "-0.483", "Claims Reserve and LAE": "-25.9", "Liabilities Current": "0.388", "Long Term Debt": "2.02", "Policyholder Contract Deposits": "1.32", "Reinsurance Payable": "0.489", "Other Liabilities": "1.76", "Unearned Premiums": "0.808", "Economic Capital Ratio": "-6.08"}, "2018": {"Assets, Non-Current": "-0.637", "Assets": "11.9", "Liabilities": "-14.3", "Stockholders Equity": "0.948", "ECR before LimitedLiability": "-5.76", "Reinsurance Recoverables": "-1.74", "Assets, Current": "-0.636", "Intangible Assets": "-0.735", "Deferred Policy Acquisition Costs": "-0.386", "Other Assets": "4.28", "Separate Account Asset": "-0.616", "Investments": "10.5", "Premiums Receivable": "2.23", "Other Liabilities": "2.14", "Liabilities Current": "0.482", "Long Term Debt": "1.87", "Reinsurance Payable": "0.561", "Unearned Premiums": "0.915", "Policyholder Contract Deposits": "1.57", "Claims Reserve and LAE": "-24.0", "Economic Capital Ratio": "-5.42"}, "2019": {"Premiums Receivable": "1.63", "Assets": "5.99", "Liabilities": "-8.51", "Stockholders Equity": "-0.273", "ECR before LimitedLiability": "-5.42", "Deferred Policy Acquisition Costs": "-0.311", "Investments": "12.5", "Assets, Non-Current": "-0.409", "Intangible Assets": "-0.341", "Separate Account Asset": "-0.654", "Other Assets": "-1.54", "Reinsurance Recoverables": "-1.56", "Assets, Current": "-1.68", "Policyholder Contract Deposits": "1.79", "Reinsurance Payable": "0.807", "Long Term Debt": "2.89", "Liabilities Current": "0.392", "Other Liabilities": "6.51", "Claims Reserve and LAE": "-23.9", "Unearned Premiums": "-0.197", "Economic Capital Ratio": "-4.82"}, "2020": {"Intangible Assets": "-0.217", "Assets": "10.9", "Liabilities": "-10.1", "Stockholders Equity": "3.42", "ECR before LimitedLiability": "-5.00", "Assets, Current": "-0.818", "Other Assets": "-1.70", "Deferred Policy Acquisition Costs": "-0.238", "Reinsurance Recoverables": "-1.59", "Separate Account Asset": "-0.614", "Investments": "16.7", "Premiums Receivable": "1.33", "Other Liabilities": "5.67", "Long Term Debt": "1.29", "Reinsurance Payable": "0.956", "Claims Reserve and LAE": "-23.1", "Policyholder Contract Deposits": "2.17", "Liabilities Current": "0.344", "Unearned Premiums": "-0.200", "Economic Capital Ratio": "-4.33", "Premiums Earned": "-0.125"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "73,300", "Assets, Non-Current": "47,600", "Claims Reserve and LAE": "2,266,100", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "45,800", "General and Administrative Expense": "231,496", "Insurance Commissions and Fees": "0", "Intangible Assets": "44,100", "Investment Income": "82,217", "Investments": "2,677,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "624,900", "Other Compr. Net Income": "3,025", "Other Expenses": "53,714", "Other Liabilities": "308,000", "Other Net Income": "0", "Other Revenues": "7,495", "Policyholder Benefits and Claims": "417,214", "Policyholder Contract Deposits": "0", "Premiums Earned": "718,050", "Premiums Receivable": "326,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "804,716", "Revenues Y+2": "805,943", "Revenues Y+3": "806,771", "Revenues Y+4": "807,351", "Revenues Y+5": "807,763", "Separate Account Asset": "0", "Unearned Premiums": "318,300"}, "output_variables": {"Assets": "3,840,100", "Liabilities": "2,892,400", "Expenses": "702,423", "Revenues": "807,763", "Stockholders Equity": "947,700", "Net Income": "105,339", "Comprehensive Net Income": "106,852", "BaseVar": "34,891,466", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2018": {"input_variables": {"Assets, Current": "101,400", "Assets, Non-Current": "50,300", "Claims Reserve and LAE": "2,207,900", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "48,200", "General and Administrative Expense": "253,274", "Insurance Commissions and Fees": "0", "Intangible Assets": "43,900", "Investment Income": "81,272", "Investments": "2,727,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "614,600", "Other Compr. Net Income": "-3,332", "Other Expenses": "32,205", "Other Liabilities": "356,800", "Other Net Income": "0", "Other Revenues": "2,888", "Policyholder Benefits and Claims": "377,484", "Policyholder Contract Deposits": "0", "Premiums Earned": "732,166", "Premiums Receivable": "333,100", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "816,269", "Revenues Y+2": "801,536", "Revenues Y+3": "816,330", "Revenues Y+4": "801,546", "Revenues Y+5": "816,326", "Separate Account Asset": "0", "Unearned Premiums": "336,300"}, "output_variables": {"Assets": "3,919,200", "Liabilities": "2,901,000", "Expenses": "662,963", "Revenues": "816,326", "Stockholders Equity": "1,018,200", "Net Income": "153,363", "Comprehensive Net Income": "151,697", "BaseVar": "29,604,824", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "104%"}}, "2019": {"input_variables": {"Assets, Current": "154,900", "Assets, Non-Current": "68,300", "Claims Reserve and LAE": "2,192,800", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "47,900", "General and Administrative Expense": "276,664", "Insurance Commissions and Fees": "0", "Intangible Assets": "49,800", "Investment Income": "87,473", "Investments": "2,778,400", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "619,100", "Other Compr. Net Income": "-46,921", "Other Expenses": "36,146", "Other Liabilities": "308,400", "Other Net Income": "0", "Other Revenues": "-11,900", "Policyholder Benefits and Claims": "366,066", "Policyholder Contract Deposits": "0", "Premiums Earned": "693,326", "Premiums Receivable": "285,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "768,999", "Revenues Y+2": "832,816", "Revenues Y+3": "768,900", "Revenues Y+4": "832,800", "Revenues Y+5": "768,899", "Separate Account Asset": "0", "Unearned Premiums": "337,100"}, "output_variables": {"Assets": "4,004,100", "Liabilities": "2,838,300", "Expenses": "678,876", "Revenues": "768,899", "Stockholders Equity": "1,165,800", "Net Income": "90,024", "Comprehensive Net Income": "66,564", "BaseVar": "43,601,190", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2020": {"input_variables": {"Assets, Current": "160,400", "Assets, Non-Current": "79,200", "Claims Reserve and LAE": "2,069,400", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "43,200", "General and Administrative Expense": "259,617", "Insurance Commissions and Fees": "0", "Intangible Assets": "49,800", "Investment Income": "77,444", "Investments": "2,757,200", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "600,700", "Other Compr. Net Income": "62,845", "Other Expenses": "30,485", "Other Liabilities": "341,300", "Other Net Income": "0", "Other Revenues": "35,427", "Policyholder Benefits and Claims": "302,996", "Policyholder Contract Deposits": "0", "Premiums Earned": "608,430", "Premiums Receivable": "232,100", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "729,031", "Revenues Y+2": "712,403", "Revenues Y+3": "723,651", "Revenues Y+4": "715,702", "Revenues Y+5": "721,301", "Separate Account Asset": "0", "Unearned Premiums": "299,100"}, "output_variables": {"Assets": "3,922,600", "Liabilities": "2,709,800", "Expenses": "593,098", "Revenues": "721,301", "Stockholders Equity": "1,212,800", "Net Income": "128,203", "Comprehensive Net Income": "159,625", "BaseVar": "77,361,599", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 606400000.0, "future_profits": 565153895.251387, "valuation_correction": 331367.7196987038, "limited_liability_put_option": 2421411560.1060615, "fair_value": 3593296823.0771475, "market_value": 758695573.4853954}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001379041.svg", "value": 0.9232082754749034, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001379041.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001379041.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001379041.svg"}, {"company_id": "0001095073", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001095073.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 29, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Everest Group LTD is the variable Assets, reducing the Economic Capital Ratio by 12% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 5.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001095073_2021_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"}, "2017": {"Separate Account Asset": "-0.504", "Assets": "0.603", "Liabilities": "2.09", "Stockholders Equity": "2.52", "ECR before LimitedLiability": "0.613", "Premiums Receivable": "1.16", "Investments": "9.82", "Intangible Assets": "-1.18", "Assets, Current": "-2.03", "Other Assets": "-2.04", "Deferred Policy Acquisition Costs": "-0.276", "Reinsurance Recoverables": "-2.12", "Assets, Non-Current": "-0.617", "Claims Reserve and LAE": "-14.5", "Liabilities Current": "0.567", "Long Term Debt": "2.94", "Policyholder Contract Deposits": "1.93", "Other Liabilities": "6.55", "Unearned Premiums": "2.87", "Economic Capital Ratio": "0.902", "Policyholder Benefits and Claims": "0.239"}, "2018": {"Assets, Non-Current": "-1.13", "Assets": "-6.56", "Liabilities": "7.34", "Stockholders Equity": "-2.48", "ECR before LimitedLiability": "-1.89", "Reinsurance Recoverables": "-1.92", "Assets, Current": "-2.57", "Intangible Assets": "-1.78", "Deferred Policy Acquisition Costs": "-0.461", "Other Assets": "0.585", "Separate Account Asset": "-0.889", "Investments": "-0.293", "Premiums Receivable": "1.45", "Other Liabilities": "9.22", "Liabilities Current": "0.760", "Long Term Debt": "2.93", "Unearned Premiums": "3.18", "Policyholder Contract Deposits": "2.46", "Claims Reserve and LAE": "-12.9", "Economic Capital Ratio": "-1.56", "Policyholder Benefits and Claims": "0.362"}, "2019": {"Premiums Receivable": "1.39", "Assets": "-9.66", "Liabilities": "10.4", "Stockholders Equity": "-4.89", "ECR before LimitedLiability": "-2.62", "Deferred Policy Acquisition Costs": "-0.249", "Investments": "4.69", "Assets, Non-Current": "-0.653", "Intangible Assets": "-1.24", "Separate Account Asset": "-0.908", "Other Assets": "-6.83", "Reinsurance Recoverables": "-1.47", "Assets, Current": "-4.51", "Policyholder Contract Deposits": "2.64", "Reinsurance Payable": "0.468", "Long Term Debt": "4.25", "Liabilities Current": "0.582", "Other Liabilities": "13.3", "Claims Reserve and LAE": "-12.8", "Unearned Premiums": "0.273", "Economic Capital Ratio": "-2.02"}, "2020": {"Intangible Assets": "-1.29", "Assets": "-11.8", "Liabilities": "12.0", "Stockholders Equity": "-6.22", "ECR before LimitedLiability": "-5.78", "Assets, Current": "-4.18", "Other Assets": "-9.04", "Deferred Policy Acquisition Costs": "-0.371", "Reinsurance Recoverables": "-2.10", "Separate Account Asset": "-1.02", "Investments": "4.85", "Premiums Receivable": "1.46", "Assets, Non-Current": "-0.520", "Other Liabilities": "12.4", "Long Term Debt": "2.12", "Reinsurance Payable": "0.973", "Claims Reserve and LAE": "-9.25", "Policyholder Contract Deposits": "3.54", "Liabilities Current": "0.567", "Unearned Premiums": "0.968", "Economic Capital Ratio": "-5.11"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "382,283", "Claims Reserve and LAE": "11,935,335", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "411,587", "General and Administrative Expense": "321,687", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "679,275", "Investments": "18,626,535", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,038,295", "Other Compr. Net Income": "41,666", "Other Expenses": "1,301,917", "Other Liabilities": "1,050,622", "Other Net Income": "0", "Other Revenues": "-15,608", "Policyholder Benefits and Claims": "4,770,402", "Policyholder Contract Deposits": "0", "Premiums Earned": "5,975,495", "Premiums Receivable": "1,844,881", "Reinsurance Payable": "236,047", "Reinsurance Recoverables": "288,211", "Revenues Y+1": "6,639,835", "Revenues Y+2": "6,637,170", "Revenues Y+3": "6,639,785", "Revenues Y+4": "6,638,690", "Revenues Y+5": "6,639,162", "Separate Account Asset": "0", "Unearned Premiums": "2,000,556"}, "output_variables": {"Assets": "23,591,792", "Liabilities": "15,222,560", "Expenses": "6,394,007", "Revenues": "6,639,162", "Stockholders Equity": "8,369,232", "Net Income": "245,156", "Comprehensive Net Income": "265,989", "BaseVar": "291,799,567", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "103%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "358,042", "Claims Reserve and LAE": "13,165,868", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "511,573", "General and Administrative Expense": "382,623", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "483,570", "Investments": "18,433,066", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,929,692", "Other Compr. Net Income": "-164,003", "Other Expenses": "1,254,013", "Other Liabilities": "975,177", "Other Net Income": "0", "Other Revenues": "-13,846", "Policyholder Benefits and Claims": "6,039,348", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,033,925", "Premiums Receivable": "2,218,283", "Reinsurance Payable": "231,538", "Reinsurance Recoverables": "343,343", "Revenues Y+1": "7,496,034", "Revenues Y+2": "7,503,245", "Revenues Y+3": "7,503,301", "Revenues Y+4": "7,503,891", "Revenues Y+5": "7,503,649", "Separate Account Asset": "0", "Unearned Premiums": "2,517,612"}, "output_variables": {"Assets": "24,793,999", "Liabilities": "16,890,195", "Expenses": "7,675,983", "Revenues": "7,503,649", "Stockholders Equity": "7,903,804", "Net Income": "-172,335", "Comprehensive Net Income": "-254,336", "BaseVar": "291,931,048", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "612,997", "Claims Reserve and LAE": "13,653,905", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "581,863", "General and Administrative Expense": "464,625", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "761,416", "Investments": "20,748,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,675,887", "Other Compr. Net Income": "-52,512", "Other Expenses": "1,801,658", "Other Liabilities": "1,178,158", "Other Net Income": "0", "Other Revenues": "-5,821", "Policyholder Benefits and Claims": "4,772,822", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,464,881", "Premiums Receivable": "2,259,088", "Reinsurance Payable": "302,328", "Reinsurance Recoverables": "445,716", "Revenues Y+1": "8,196,782", "Revenues Y+2": "8,223,669", "Revenues Y+3": "8,219,501", "Revenues Y+4": "8,220,760", "Revenues Y+5": "8,220,476", "Separate Account Asset": "0", "Unearned Premiums": "3,056,735"}, "output_variables": {"Assets": "27,324,051", "Liabilities": "18,191,126", "Expenses": "7,039,105", "Revenues": "8,220,476", "Stockholders Equity": "9,132,925", "Net Income": "1,181,371", "Comprehensive Net Income": "1,155,115", "BaseVar": "434,372,975", "ECR before LimitedLiability": "38%", "Economic Capital Ratio": "110%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "742,369", "Claims Reserve and LAE": "16,436,720", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "622,053", "General and Administrative Expense": "547,060", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "898,723", "Investments": "25,461,591", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,869,767", "Other Compr. Net Income": "501,696", "Other Expenses": "2,020,794", "Other Liabilities": "2,813,948", "Other Net Income": "0", "Other Revenues": "3,172", "Policyholder Benefits and Claims": "6,691,977", "Policyholder Contract Deposits": "0", "Premiums Earned": "8,902,267", "Premiums Receivable": "2,680,562", "Reinsurance Payable": "310,154", "Reinsurance Recoverables": "412,015", "Revenues Y+1": "9,768,387", "Revenues Y+2": "9,800,329", "Revenues Y+3": "9,803,222", "Revenues Y+4": "9,804,224", "Revenues Y+5": "9,804,163", "Separate Account Asset": "0", "Unearned Premiums": "3,501,359"}, "output_variables": {"Assets": "32,788,357", "Liabilities": "23,062,181", "Expenses": "9,259,832", "Revenues": "9,804,163", "Stockholders Equity": "9,726,176", "Net Income": "544,331", "Comprehensive Net Income": "795,179", "BaseVar": "1,079,844,114", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}}, "top_rated": false, "trend": -9.0, "valuation": {"past_accumulated_profits": 4863088000.0, "future_profits": 2861209801.7104754, "valuation_correction": -925164.8758127576, "limited_liability_put_option": 20666967368.253353, "fair_value": 28390340005.088017, "market_value": 8247220866.626472}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001095073.svg", "value": 0.9153863812460303, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001095073.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001095073.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001095073.svg"}, {"company_id": "0000033992", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000033992.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0000033992.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000033992.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000033992_256x256.png", "name": "Kingstone Companies INC", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0000033992.svg", "report_text": "The relative strengths and weaknesses of Kingstone Companies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Kingstone Companies INC compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Kingstone Companies 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 91%, being 5.4% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000033992_2021_Kingstone_Companies_INC.pdf", "shrinked_graph_json": {"2020": {"Intangible Assets": "-1.76", "Assets": "-24.6", "Liabilities": "16.0", "Stockholders Equity": "-15.4", "ECR before LimitedLiability": "-6.06", "Assets, Current": "-3.40", "Other Assets": "-15.6", "Deferred Policy Acquisition Costs": "1.14", "Reinsurance Recoverables": "2.70", "Separate Account Asset": "-1.45", "Investments": "-11.9", "Premiums Receivable": "-1.50", "Other Liabilities": "15.7", "Long Term Debt": "-2.98", "Reinsurance Payable": "0.834", "Claims Reserve and LAE": "14.8", "Policyholder Contract Deposits": "4.96", "Liabilities Current": "0.800", "Unearned Premiums": "-7.40", "Economic Capital Ratio": "-5.39", "Other Expenses": "0.288"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0000033992_strength_weakness.svg", "table_records": {"2020": {"input_variables": {"Assets, Current": "19,464", "Assets, Non-Current": "17,346", "Claims Reserve and LAE": "82,801", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "20,143", "General and Administrative Expense": "29,708", "Insurance Commissions and Fees": "0", "Intangible Assets": "500", "Investment Income": "8,096", "Investments": "202,850", "Liabilities Current": "0", "Long Term Debt": "29,648", "Other Assets": "0", "Other Compr. Net Income": "4,139", "Other Expenses": "100,690", "Other Liabilities": "15,344", "Other Net Income": "0", "Other Revenues": "15,193", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "108,081", "Premiums Receivable": "11,820", "Reinsurance Payable": "6,980", "Reinsurance Recoverables": "45,461", "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": "90,009"}, "output_variables": {"Assets": "317,582", "Liabilities": "224,782", "Expenses": "130,397", "Revenues": "131,370", "Stockholders Equity": "92,800", "Net Income": "972", "Comprehensive Net Income": "3,042", "BaseVar": "14,567,199", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 46400201.0, "future_profits": 0.0, "valuation_correction": -2445571.0815743646, "limited_liability_put_option": 203523104.4795249, "fair_value": 247477734.39795053, "market_value": 65529427.127952814}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000033992.svg", "value": 0.9125888671338265, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000033992.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000033992.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000033992.svg"}, {"company_id": "0000084246", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000084246.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 31, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 13% points.The greatest weakness of RLI CORP 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 5.8% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000084246_2021_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"}, "2017": {"Separate Account Asset": "-0.438", "Assets": "9.37", "Liabilities": "-10.1", "Stockholders Equity": "1.75", "ECR before LimitedLiability": "-4.04", "Premiums Receivable": "-1.93", "Investments": "12.5", "Intangible Assets": "-1.02", "Assets, Current": "-1.41", "Other Assets": "4.08", "Deferred Policy Acquisition Costs": "0.304", "Reinsurance Recoverables": "-1.44", "Claims Reserve and LAE": "-12.0", "Liabilities Current": "0.446", "Long Term Debt": "2.32", "Policyholder Contract Deposits": "1.52", "Unearned Premiums": "-3.06", "Expenses": "-0.231", "General and Administrative Expense": "-0.202", "Economic Capital Ratio": "-3.75", "Premiums Earned": "-0.379"}, "2018": {"Assets, Non-Current": "-0.299", "Assets": "6.29", "Liabilities": "-9.18", "Stockholders Equity": "-0.786", "ECR before LimitedLiability": "-6.11", "Reinsurance Recoverables": "-0.947", "Assets, Current": "-1.60", "Intangible Assets": "-1.40", "Other Assets": "6.66", "Separate Account Asset": "-0.697", "Investments": "7.27", "Premiums Receivable": "-1.98", "Other Liabilities": "2.46", "Liabilities Current": "0.546", "Long Term Debt": "2.11", "Unearned Premiums": "-2.95", "Policyholder Contract Deposits": "1.77", "Claims Reserve and LAE": "-14.2", "Economic Capital Ratio": "-5.77", "Other Revenues": "0.259", "Premiums Earned": "-0.502"}, "2019": {"Policyholder Contract Deposits": "2.02", "Liabilities": "-3.56", "Premiums Receivable": "-1.85", "Stockholders Equity": "-3.08", "ECR before LimitedLiability": "-6.41", "Reinsurance Payable": "0.456", "Long Term Debt": "3.26", "Liabilities Current": "0.443", "Other Liabilities": "5.70", "Claims Reserve and LAE": "-12.9", "Unearned Premiums": "-3.91", "Investments": "10.3", "Assets, Non-Current": "-0.209", "Intangible Assets": "-1.03", "Separate Account Asset": "-0.750", "Other Assets": "-1.18", "Reinsurance Recoverables": "-0.622", "Assets, Current": "-3.24", "Economic Capital Ratio": "-5.80", "General and Administrative Expense": "-0.191", "Premiums Earned": "-0.281"}, "2020": {"Intangible Assets": "-0.925", "Assets": "3.20", "Liabilities": "-4.61", "Stockholders Equity": "-0.157", "ECR before LimitedLiability": "-6.48", "Assets, Current": "-2.37", "Other Assets": "-1.54", "Deferred Policy Acquisition Costs": "0.146", "Reinsurance Recoverables": "-0.627", "Separate Account Asset": "-0.731", "Investments": "13.2", "Premiums Receivable": "-1.57", "Other Liabilities": "6.22", "Long Term Debt": "1.50", "Reinsurance Payable": "0.428", "Claims Reserve and LAE": "-12.9", "Policyholder Contract Deposits": "2.51", "Liabilities Current": "0.399", "Unearned Premiums": "-4.11", "Economic Capital Ratio": "-5.81", "Premiums Earned": "-0.190"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "24,271", "Assets, Non-Current": "69,933", "Claims Reserve and LAE": "1,271,503", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "77,716", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "54,513", "Investments": "2,140,790", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "576,606", "Other Compr. Net Income": "20,977", "Other Expenses": "45,674", "Other Liabilities": "349,070", "Other Net Income": "17,190", "Other Revenues": "-24,015", "Policyholder Benefits and Claims": "402,884", "Policyholder Contract Deposits": "0", "Premiums Earned": "739,207", "Premiums Receivable": "0", "Reinsurance Payable": "21,624", "Reinsurance Recoverables": "57,928", "Revenues Y+1": "783,016", "Revenues Y+2": "775,949", "Revenues Y+3": "772,338", "Revenues Y+4": "770,577", "Revenues Y+5": "769,705", "Separate Account Asset": "0", "Unearned Premiums": "451,449"}, "output_variables": {"Assets": "2,947,244", "Liabilities": "2,093,646", "Expenses": "448,558", "Revenues": "769,705", "Stockholders Equity": "853,598", "Net Income": "338,337", "Comprehensive Net Income": "348,825", "BaseVar": "28,696,080", "ECR before LimitedLiability": "64%", "Economic Capital Ratio": "132%"}}, "2018": {"input_variables": {"Assets, Current": "30,140", "Assets, Non-Current": "73,618", "Claims Reserve and LAE": "1,461,348", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "84,934", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "60,639", "Investments": "2,194,230", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "650,969", "Other Compr. Net Income": "53", "Other Expenses": "74,897", "Other Liabilities": "317,779", "Other Net Income": "16,137", "Other Revenues": "-230,667", "Policyholder Benefits and Claims": "429,580", "Policyholder Contract Deposits": "0", "Premiums Earned": "798,774", "Premiums Receivable": "0", "Reinsurance Payable": "22,591", "Reinsurance Recoverables": "71,174", "Revenues Y+1": "783,309", "Revenues Y+2": "745,264", "Revenues Y+3": "706,181", "Revenues Y+4": "667,376", "Revenues Y+5": "628,746", "Separate Account Asset": "0", "Unearned Premiums": "496,505"}, "output_variables": {"Assets": "3,105,065", "Liabilities": "2,298,223", "Expenses": "504,477", "Revenues": "628,746", "Stockholders Equity": "806,842", "Net Income": "140,406", "Comprehensive Net Income": "140,432", "BaseVar": "23,009,280", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2019": {"input_variables": {"Assets, Current": "46,203", "Assets, Non-Current": "89,225", "Claims Reserve and LAE": "1,574,352", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "85,044", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "67,540", "Investments": "2,560,360", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "671,233", "Other Compr. Net Income": "-10,251", "Other Expenses": "122,679", "Other Liabilities": "410,077", "Other Net Income": "20,408", "Other Revenues": "-34,655", "Policyholder Benefits and Claims": "412,777", "Policyholder Contract Deposits": "0", "Premiums Earned": "846,267", "Premiums Receivable": "0", "Reinsurance Payable": "25,691", "Reinsurance Recoverables": "93,656", "Revenues Y+1": "877,448", "Revenues Y+2": "1,009,150", "Revenues Y+3": "878,894", "Revenues Y+4": "1,008,972", "Revenues Y+5": "879,151", "Separate Account Asset": "0", "Unearned Premiums": "540,213"}, "output_variables": {"Assets": "3,545,721", "Liabilities": "2,550,333", "Expenses": "535,455", "Revenues": "879,151", "Stockholders Equity": "995,388", "Net Income": "364,104", "Comprehensive Net Income": "358,978", "BaseVar": "41,899,246", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "128%"}}, "2020": {"input_variables": {"Assets, Current": "62,217", "Assets, Non-Current": "82,907", "Claims Reserve and LAE": "1,750,049", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "88,425", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "68,084", "Investments": "2,837,081", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "754,367", "Other Compr. Net Income": "60,751", "Other Expenses": "106,528", "Other Liabilities": "423,807", "Other Net Income": "20,317", "Other Revenues": "65,168", "Policyholder Benefits and Claims": "443,894", "Policyholder Contract Deposits": "0", "Premiums Earned": "869,872", "Premiums Receivable": "0", "Reinsurance Payable": "42,265", "Reinsurance Recoverables": "113,488", "Revenues Y+1": "1,009,349", "Revenues Y+2": "999,245", "Revenues Y+3": "1,004,378", "Revenues Y+4": "1,001,956", "Revenues Y+5": "1,003,124", "Separate Account Asset": "0", "Unearned Premiums": "586,386"}, "output_variables": {"Assets": "3,938,485", "Liabilities": "2,802,507", "Expenses": "550,422", "Revenues": "1,003,124", "Stockholders Equity": "1,135,978", "Net Income": "473,018", "Comprehensive Net Income": "503,394", "BaseVar": "91,252,964", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 567989000.0, "future_profits": 1784287156.2589905, "valuation_correction": 229924.11605740534, "limited_liability_put_option": 2224895750.229085, "fair_value": 4577401830.604133, "market_value": 3708763199.40596}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000084246.svg", "value": 0.9083856506692525, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000084246.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000084246.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000084246.svg"}, {"company_id": "0000074260", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000074260.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 32, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 14% points.The greatest weakness of OLD Republic International CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 6.7% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000074260_2021_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"}, "2017": {"Separate Account Asset": "-0.610", "Assets": "-5.26", "Liabilities": "0.816", "Stockholders Equity": "-5.80", "ECR before LimitedLiability": "-6.59", "Premiums Receivable": "0.772", "Intangible Assets": "-1.42", "Assets, Current": "-2.45", "Other Assets": "2.22", "Deferred Policy Acquisition Costs": "-0.541", "Reinsurance Recoverables": "-3.16", "Claims Reserve and LAE": "11.4", "Liabilities Current": "0.586", "Long Term Debt": "3.03", "Policyholder Contract Deposits": "1.99", "Reinsurance Payable": "0.739", "Other Liabilities": "-38.0", "Unearned Premiums": "2.66", "Economic Capital Ratio": "-6.30", "Premiums Earned": "0.617", "Other Revenues": "-1.16"}, "2018": {"Assets": "-7.55", "Liabilities": "4.82", "Stockholders Equity": "-5.61", "ECR before LimitedLiability": "-5.35", "Reinsurance Recoverables": "-2.62", "Assets, Current": "-2.70", "Intangible Assets": "-1.87", "Other Assets": "5.01", "Separate Account Asset": "-0.932", "Investments": "-3.98", "Premiums Receivable": "0.870", "Other Liabilities": "-33.4", "Liabilities Current": "0.740", "Long Term Debt": "2.85", "Reinsurance Payable": "0.861", "Unearned Premiums": "2.76", "Policyholder Contract Deposits": "2.39", "Claims Reserve and LAE": "12.5", "Economic Capital Ratio": "-5.01", "Other Revenues": "-1.61", "Premiums Earned": "0.739"}, "2019": {"Premiums Receivable": "0.549", "Assets": "-14.1", "Liabilities": "12.1", "Stockholders Equity": "-9.82", "ECR before LimitedLiability": "-5.89", "Deferred Policy Acquisition Costs": "-0.649", "Investments": "-2.22", "Intangible Assets": "-1.41", "Separate Account Asset": "-1.03", "Other Assets": "-4.32", "Reinsurance Recoverables": "-2.45", "Assets, Current": "-5.11", "Policyholder Contract Deposits": "2.79", "Reinsurance Payable": "1.27", "Long Term Debt": "4.50", "Liabilities Current": "0.617", "Other Liabilities": "-23.6", "Claims Reserve and LAE": "14.3", "Unearned Premiums": "1.44", "Economic Capital Ratio": "-5.29", "Other Revenues": "-0.729"}, "2020": {"Intangible Assets": "-1.37", "Assets": "-13.8", "Liabilities": "12.7", "Stockholders Equity": "-8.51", "ECR before LimitedLiability": "-7.42", "Assets, Current": "-4.42", "Other Assets": "-5.29", "Deferred Policy Acquisition Costs": "-0.640", "Reinsurance Recoverables": "-2.78", "Separate Account Asset": "-1.09", "Investments": "-1.60", "Premiums Receivable": "0.807", "Other Liabilities": "-22.7", "Long Term Debt": "2.17", "Reinsurance Payable": "1.61", "Claims Reserve and LAE": "14.4", "Policyholder Contract Deposits": "3.62", "Liabilities Current": "0.580", "Unearned Premiums": "1.40", "Economic Capital Ratio": "-6.75", "Other Revenues": "-0.404"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "458,800", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "297,800", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "610,874", "Investments": "13,318,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,859,200", "Other Compr. Net Income": "164,486", "Other Expenses": "3,267,895", "Other Liabilities": "12,698,700", "Other Net Income": "0", "Other Revenues": "5,684,833", "Policyholder Benefits and Claims": "2,483,777", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,469,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "6,287,553", "Revenues Y+2": "6,294,450", "Revenues Y+3": "6,295,482", "Revenues Y+4": "6,295,674", "Revenues Y+5": "6,295,707", "Separate Account Asset": "0", "Unearned Premiums": "1,971,500"}, "output_variables": {"Assets": "19,403,500", "Liabilities": "14,670,200", "Expenses": "5,751,671", "Revenues": "6,295,707", "Stockholders Equity": "4,733,300", "Net Income": "544,036", "Comprehensive Net Income": "626,279", "BaseVar": "271,450,689", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "101%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "497,800", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "316,300", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "287,693", "Investments": "12,994,600", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,019,000", "Other Compr. Net Income": "-106,442", "Other Expenses": "3,204,576", "Other Liabilities": "12,075,900", "Other Net Income": "0", "Other Revenues": "5,865,115", "Policyholder Benefits and Claims": "2,437,447", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,499,400", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "6,170,698", "Revenues Y+2": "6,144,577", "Revenues Y+3": "6,154,333", "Revenues Y+4": "6,152,121", "Revenues Y+5": "6,152,808", "Separate Account Asset": "0", "Unearned Premiums": "2,104,900"}, "output_variables": {"Assets": "19,327,100", "Liabilities": "14,180,800", "Expenses": "5,642,023", "Revenues": "6,152,808", "Stockholders Equity": "5,146,300", "Net Income": "510,785", "Comprehensive Net Income": "457,565", "BaseVar": "227,023,793", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "748,500", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "325,400", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "363,429", "Investments": "14,359,200", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,176,500", "Other Compr. Net Income": "93,705", "Other Expenses": "3,679,625", "Other Liabilities": "12,851,400", "Other Net Income": "0", "Other Revenues": "6,193,363", "Policyholder Benefits and Claims": "2,564,947", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,466,700", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "6,441,830", "Revenues Y+2": "7,218,372", "Revenues Y+3": "6,508,781", "Revenues Y+4": "7,169,137", "Revenues Y+5": "6,556,792", "Separate Account Asset": "0", "Unearned Premiums": "2,224,700"}, "output_variables": {"Assets": "21,076,300", "Liabilities": "15,076,100", "Expenses": "6,244,571", "Revenues": "6,556,792", "Stockholders Equity": "6,000,200", "Net Income": "312,220", "Comprehensive Net Income": "359,073", "BaseVar": "364,717,820", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "790,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "328,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "825,761", "Investments": "15,330,100", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,773,200", "Other Compr. Net Income": "233,333", "Other Expenses": "4,258,302", "Other Liabilities": "14,231,400", "Other Net Income": "0", "Other Revenues": "6,870,116", "Policyholder Benefits and Claims": "2,458,968", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "1,593,900", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "7,803,249", "Revenues Y+2": "7,405,355", "Revenues Y+3": "7,747,948", "Revenues Y+4": "7,476,341", "Revenues Y+5": "7,695,877", "Separate Account Asset": "0", "Unearned Premiums": "2,397,100"}, "output_variables": {"Assets": "22,815,200", "Liabilities": "16,628,500", "Expenses": "6,717,270", "Revenues": "7,695,877", "Stockholders Equity": "6,186,700", "Net Income": "978,607", "Comprehensive Net Income": "1,095,274", "BaseVar": "807,167,024", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}}, "top_rated": false, "trend": -1.0, "valuation": {"past_accumulated_profits": 3093350000.0, "future_profits": 3853256962.4691296, "valuation_correction": 2623465.294670034, "limited_liability_put_option": 14403319670.117983, "fair_value": 21352550097.881783, "market_value": 3674826448.6710434}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000074260.svg", "value": 0.8990024270455128, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000074260.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000074260.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000074260.svg"}, {"company_id": "0000101199", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000101199.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 33, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of United FIRE Group INC is the variable Assets, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 6.8% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000101199_2021_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"}, "2017": {"Separate Account Asset": "-0.504", "Assets": "3.96", "Liabilities": "-8.82", "Stockholders Equity": "-3.03", "ECR before LimitedLiability": "-7.17", "Premiums Receivable": "1.43", "Investments": "-4.61", "Intangible Assets": "-1.18", "Assets, Current": "-1.01", "Other Assets": "10.7", "Reinsurance Recoverables": "-1.92", "Assets, Non-Current": "-0.370", "Liabilities Current": "0.476", "Long Term Debt": "2.47", "Policyholder Contract Deposits": "1.62", "Reinsurance Payable": "0.600", "Other Liabilities": "-15.4", "Unearned Premiums": "0.493", "Economic Capital Ratio": "-6.89", "Premiums Earned": "-0.219", "Other Revenues": "0.240"}, "2018": {"Assets, Non-Current": "-0.428", "Assets": "-15.8", "Liabilities": "15.6", "Stockholders Equity": "-7.80", "ECR before LimitedLiability": "-2.15", "Reinsurance Recoverables": "-2.12", "Assets, Current": "-2.27", "Intangible Assets": "-2.24", "Other Assets": "-4.73", "Separate Account Asset": "-1.12", "Investments": "-8.25", "Premiums Receivable": "2.34", "Other Liabilities": "11.8", "Liabilities Current": "0.955", "Long Term Debt": "3.67", "Reinsurance Payable": "1.11", "Unearned Premiums": "0.999", "Policyholder Contract Deposits": "3.08", "Claims Reserve and LAE": "-1.59", "Economic Capital Ratio": "-1.81", "Premiums Earned": "-0.305"}, "2019": {"Premiums Receivable": "2.22", "Assets": "-21.6", "Liabilities": "15.6", "Stockholders Equity": "-14.6", "ECR before LimitedLiability": "-4.68", "Deferred Policy Acquisition Costs": "-0.245", "Investments": "-7.47", "Intangible Assets": "-1.72", "Separate Account Asset": "-1.26", "Other Assets": "-12.7", "Reinsurance Recoverables": "-1.82", "Assets, Current": "-4.60", "Policyholder Contract Deposits": "3.48", "Reinsurance Payable": "1.58", "Long Term Debt": "5.58", "Liabilities Current": "0.771", "Other Liabilities": "15.5", "Claims Reserve and LAE": "-2.08", "Unearned Premiums": "-0.611", "Economic Capital Ratio": "-4.07", "Policyholder Benefits and Claims": "0.288"}, "2020": {"Intangible Assets": "-1.67", "Assets": "-21.3", "Liabilities": "14.4", "Stockholders Equity": "-13.5", "ECR before LimitedLiability": "-7.49", "Assets, Current": "-4.19", "Other Assets": "-13.8", "Deferred Policy Acquisition Costs": "-0.290", "Reinsurance Recoverables": "-0.933", "Separate Account Asset": "-1.32", "Investments": "-6.71", "Premiums Receivable": "1.86", "Assets, Non-Current": "0.496", "Other Liabilities": "14.2", "Long Term Debt": "2.63", "Reinsurance Payable": "1.95", "Claims Reserve and LAE": "-3.06", "Policyholder Contract Deposits": "4.38", "Liabilities Current": "0.705", "Unearned Premiums": "0.258", "Economic Capital Ratio": "-6.82"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "95,562", "Assets, Non-Current": "85,401", "Claims Reserve and LAE": "1,224,183", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "88,102", "General and Administrative Expense": "103,628", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "58,062", "Investments": "1,888,933", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,629,977", "Other Compr. Net Income": "28,001", "Other Expenses": "179,917", "Other Liabilities": "1,520,484", "Other Net Income": "6,153", "Other Revenues": "0.0020", "Policyholder Benefits and Claims": "729,550", "Policyholder Contract Deposits": "0", "Premiums Earned": "996,588", "Premiums Receivable": "328,513", "Reinsurance Payable": "0", "Reinsurance Recoverables": "66,943", "Revenues Y+1": "1,054,825", "Revenues Y+2": "1,054,643", "Revenues Y+3": "1,054,650", "Revenues Y+4": "1,054,650", "Revenues Y+5": "1,054,650", "Separate Account Asset": "0", "Unearned Premiums": "465,391"}, "output_variables": {"Assets": "4,183,431", "Liabilities": "3,210,058", "Expenses": "1,013,096", "Revenues": "1,054,650", "Stockholders Equity": "973,373", "Net Income": "47,707", "Comprehensive Net Income": "61,708", "BaseVar": "47,486,322", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2018": {"input_variables": {"Assets, Current": "64,454", "Assets, Non-Current": "115,127", "Claims Reserve and LAE": "1,312,483", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "92,796", "General and Administrative Expense": "141,591", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "31,895", "Investments": "2,074,123", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "54,973", "Other Compr. Net Income": "-11,705", "Other Expenses": "194,145", "Other Liabilities": "122,922", "Other Net Income": "121,567", "Other Revenues": "0", "Policyholder Benefits and Claims": "732,154", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,038,736", "Premiums Receivable": "346,825", "Reinsurance Payable": "0", "Reinsurance Recoverables": "68,400", "Revenues Y+1": "1,070,620", "Revenues Y+2": "1,070,631", "Revenues Y+3": "1,070,631", "Revenues Y+4": "1,070,631", "Revenues Y+5": "1,070,631", "Separate Account Asset": "0", "Unearned Premiums": "492,918"}, "output_variables": {"Assets": "2,816,698", "Liabilities": "1,928,323", "Expenses": "1,067,890", "Revenues": "1,070,631", "Stockholders Equity": "888,375", "Net Income": "124,308", "Comprehensive Net Income": "118,455", "BaseVar": "42,510,206", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2019": {"input_variables": {"Assets, Current": "120,722", "Assets, Non-Current": "146,894", "Claims Reserve and LAE": "1,421,754", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "94,292", "General and Administrative Expense": "137,507", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "108,812", "Investments": "2,155,099", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "56,914", "Other Compr. Net Income": "13,017", "Other Expenses": "217,914", "Other Liabilities": "176,084", "Other Net Income": "19,504", "Other Revenues": "0", "Policyholder Benefits and Claims": "839,568", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,088,811", "Premiums Receivable": "357,632", "Reinsurance Payable": "0", "Reinsurance Recoverables": "81,919", "Revenues Y+1": "1,197,176", "Revenues Y+2": "1,197,647", "Revenues Y+3": "1,197,621", "Revenues Y+4": "1,197,623", "Revenues Y+5": "1,197,623", "Separate Account Asset": "0", "Unearned Premiums": "505,162"}, "output_variables": {"Assets": "3,013,472", "Liabilities": "2,103,000", "Expenses": "1,194,988", "Revenues": "1,197,623", "Stockholders Equity": "910,472", "Net Income": "22,138", "Comprehensive Net Income": "28,647", "BaseVar": "67,749,970", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "103%"}}, "2020": {"input_variables": {"Assets, Current": "87,948", "Assets, Non-Current": "167,070", "Claims Reserve and LAE": "1,578,131", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "87,094", "General and Administrative Expense": "143,176", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "38,835", "Investments": "2,149,217", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "87,552", "Other Compr. Net Income": "51,473", "Other Expenses": "171,253", "Other Liabilities": "201,553", "Other Net Income": "0", "Other Revenues": "6,270", "Policyholder Benefits and Claims": "873,860", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,054,035", "Premiums Receivable": "317,292", "Reinsurance Payable": "0", "Reinsurance Recoverables": "173,505", "Revenues Y+1": "1,111,650", "Revenues Y+2": "1,093,480", "Revenues Y+3": "1,100,949", "Revenues Y+4": "1,097,872", "Revenues Y+5": "1,099,139", "Separate Account Asset": "0", "Unearned Premiums": "464,845"}, "output_variables": {"Assets": "3,069,678", "Liabilities": "2,244,529", "Expenses": "1,188,289", "Revenues": "1,099,139", "Stockholders Equity": "825,149", "Net Income": "-89,150", "Comprehensive Net Income": "-63,413", "BaseVar": "128,404,499", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}}, "top_rated": false, "trend": -8.0, "valuation": {"past_accumulated_profits": 412574500.0, "future_profits": 249573265.22510475, "valuation_correction": 258873.27583074378, "limited_liability_put_option": 1974342527.5093358, "fair_value": 2636749166.010271, "market_value": 548252837.0038013}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000101199.svg", "value": 0.8983148271369676, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000101199.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000101199.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000101199.svg"}, {"company_id": "0000080661", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000080661.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 34, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 16% 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 90%, being 7.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000080661_2021_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"}, "2017": {"Separate Account Asset": "-1.27", "Assets": "-32.9", "Liabilities": "13.2", "Stockholders Equity": "-25.1", "ECR before LimitedLiability": "-6.08", "Premiums Receivable": "0.696", "Investments": "-33.7", "Intangible Assets": "-2.00", "Assets, Current": "-4.94", "Other Assets": "12.1", "Deferred Policy Acquisition Costs": "-1.67", "Reinsurance Recoverables": "-3.75", "Assets, Non-Current": "-1.51", "Claims Reserve and LAE": "12.0", "Liabilities Current": "1.24", "Long Term Debt": "6.29", "Policyholder Contract Deposits": "4.18", "Reinsurance Payable": "1.56", "Other Liabilities": "9.83", "Unearned Premiums": "4.62", "Economic Capital Ratio": "-5.79"}, "2018": {"Assets, Non-Current": "-2.36", "Assets": "-34.3", "Liabilities": "12.0", "Stockholders Equity": "-26.8", "ECR before LimitedLiability": "-7.34", "Reinsurance Recoverables": "-2.57", "Assets, Current": "-5.42", "Intangible Assets": "-3.13", "Deferred Policy Acquisition Costs": "-2.04", "Other Assets": "-8.81", "Separate Account Asset": "-1.93", "Investments": "-25.5", "Premiums Receivable": "0.832", "Other Liabilities": "10.4", "Liabilities Current": "1.49", "Long Term Debt": "5.65", "Reinsurance Payable": "1.73", "Unearned Premiums": "5.21", "Policyholder Contract Deposits": "4.75", "Claims Reserve and LAE": "10.6", "Economic Capital Ratio": "-7.00"}, "2019": {"Premiums Receivable": "0.886", "Assets": "-37.8", "Liabilities": "14.5", "Stockholders Equity": "-35.0", "ECR before LimitedLiability": "-7.90", "Deferred Policy Acquisition Costs": "-1.88", "Investments": "-23.6", "Assets, Non-Current": "-2.17", "Intangible Assets": "-2.34", "Separate Account Asset": "-2.11", "Other Assets": "-19.9", "Reinsurance Recoverables": "-1.84", "Assets, Current": "-9.84", "Policyholder Contract Deposits": "5.45", "Reinsurance Payable": "2.50", "Long Term Debt": "8.67", "Liabilities Current": "1.22", "Other Liabilities": "12.4", "Claims Reserve and LAE": "12.4", "Unearned Premiums": "2.24", "Economic Capital Ratio": "-7.30"}, "2020": {"Intangible Assets": "-2.30", "Assets": "-36.8", "Liabilities": "16.1", "Stockholders Equity": "-30.3", "ECR before LimitedLiability": "-7.80", "Assets, Current": "-8.38", "Other Assets": "-21.1", "Deferred Policy Acquisition Costs": "-1.71", "Reinsurance Recoverables": "-2.61", "Separate Account Asset": "-2.16", "Investments": "-21.4", "Premiums Receivable": "1.01", "Assets, Non-Current": "-1.89", "Other Liabilities": "14.1", "Long Term Debt": "4.29", "Reinsurance Payable": "3.19", "Claims Reserve and LAE": "14.1", "Policyholder Contract Deposits": "7.09", "Liabilities Current": "1.16", "Unearned Premiums": "2.91", "Economic Capital Ratio": "-7.13"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,532,500", "Claims Reserve and LAE": "13,086,900", "Deferred Acquisition Costs Amortization": "2,137,394", "Deferred Policy Acquisition Costs": "780,500", "General and Administrative Expense": "3,622,782", "Insurance Commissions and Fees": "0", "Intangible Assets": "819,300", "Investment Income": "48,931", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "27,669,700", "Other Compr. Net Income": "298,333", "Other Expenses": "818,871", "Other Liabilities": "6,922,300", "Other Net Income": "0", "Other Revenues": "1,066,100", "Policyholder Benefits and Claims": "19,059,451", "Policyholder Contract Deposits": "0", "Premiums Earned": "26,108,905", "Premiums Receivable": "5,422,500", "Reinsurance Payable": "0", "Reinsurance Recoverables": "2,476,700", "Revenues Y+1": "27,184,337", "Revenues Y+2": "27,219,870", "Revenues Y+3": "27,223,529", "Revenues Y+4": "27,223,901", "Revenues Y+5": "27,223,937", "Separate Account Asset": "0", "Unearned Premiums": "8,903,500"}, "output_variables": {"Assets": "38,701,200", "Liabilities": "28,912,700", "Expenses": "25,638,499", "Revenues": "27,223,937", "Stockholders Equity": "9,788,500", "Net Income": "1,585,438", "Comprehensive Net Income": "1,734,604", "BaseVar": "1,141,322,959", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,496,800", "Claims Reserve and LAE": "15,400,800", "Deferred Acquisition Costs Amortization": "2,625,068", "Deferred Policy Acquisition Costs": "951,600", "General and Administrative Expense": "4,529,251", "Insurance Commissions and Fees": "0", "Intangible Assets": "747,300", "Investment Income": "-22,211", "Investments": "33,567,400", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "309,000", "Other Compr. Net Income": "51,995", "Other Expenses": "865,894", "Other Liabilities": "9,451,400", "Other Net Income": "0", "Other Revenues": "1,045,179", "Policyholder Benefits and Claims": "22,282,162", "Policyholder Contract Deposits": "0", "Premiums Earned": "32,045,493", "Premiums Receivable": "6,497,100", "Reinsurance Payable": "0", "Reinsurance Recoverables": "3,005,800", "Revenues Y+1": "32,879,587", "Revenues Y+2": "33,036,218", "Revenues Y+3": "33,063,171", "Revenues Y+4": "33,067,720", "Revenues Y+5": "33,068,460", "Separate Account Asset": "0", "Unearned Premiums": "10,686,500"}, "output_variables": {"Assets": "46,575,000", "Liabilities": "35,538,700", "Expenses": "30,302,374", "Revenues": "33,068,460", "Stockholders Equity": "11,036,300", "Net Income": "2,766,086", "Comprehensive Net Income": "2,792,084", "BaseVar": "1,161,601,549", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "109%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,982,100", "Claims Reserve and LAE": "18,105,400", "Deferred Acquisition Costs Amortization": "3,125,172", "Deferred Policy Acquisition Costs": "1,056,500", "General and Administrative Expense": "5,552,182", "Insurance Commissions and Fees": "0", "Intangible Assets": "681,000", "Investment Income": "0", "Investments": "39,254,300", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "408,700", "Other Compr. Net Income": "143,889", "Other Expenses": "1,581,652", "Other Liabilities": "10,502,300", "Other Net Income": "0", "Other Revenues": "2,779,132", "Policyholder Benefits and Claims": "26,657,460", "Policyholder Contract Deposits": "0", "Premiums Earned": "38,109,806", "Premiums Receivable": "7,507,300", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,005,400", "Revenues Y+1": "40,376,572", "Revenues Y+2": "40,754,273", "Revenues Y+3": "40,854,834", "Revenues Y+4": "40,881,742", "Revenues Y+5": "40,888,938", "Separate Account Asset": "0", "Unearned Premiums": "12,388,800"}, "output_variables": {"Assets": "54,895,300", "Liabilities": "40,996,500", "Expenses": "36,916,465", "Revenues": "40,888,938", "Stockholders Equity": "13,898,800", "Net Income": "3,972,472", "Comprehensive Net Income": "4,044,417", "BaseVar": "2,143,356,985", "ECR before LimitedLiability": "43%", "Economic Capital Ratio": "115%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,906,200", "Claims Reserve and LAE": "20,265,800", "Deferred Acquisition Costs Amortization": "3,342,105", "Deferred Policy Acquisition Costs": "1,237,200", "General and Administrative Expense": "6,100,364", "Insurance Commissions and Fees": "0", "Intangible Assets": "624,100", "Investment Income": "0", "Investments": "47,530,300", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "252,900", "Other Compr. Net Income": "548,112", "Other Expenses": "9,472,374", "Other Liabilities": "13,356,400", "Other Net Income": "0", "Other Revenues": "3,617,542", "Policyholder Benefits and Claims": "25,031,464", "Policyholder Contract Deposits": "0", "Premiums Earned": "40,569,014", "Premiums Receivable": "8,160,100", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,387,500", "Revenues Y+1": "43,735,709", "Revenues Y+2": "44,055,259", "Revenues Y+3": "44,150,062", "Revenues Y+4": "44,178,201", "Revenues Y+5": "44,186,556", "Separate Account Asset": "0", "Unearned Premiums": "13,437,500"}, "output_variables": {"Assets": "64,098,300", "Liabilities": "47,059,700", "Expenses": "43,946,307", "Revenues": "44,186,556", "Stockholders Equity": "17,038,600", "Net Income": "240,249", "Comprehensive Net Income": "514,305", "BaseVar": "4,823,373,407", "ECR before LimitedLiability": "34%", "Economic Capital Ratio": "107%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 8519300000.0, "future_profits": 10474911520.231428, "valuation_correction": -5195046.502432022, "limited_liability_put_option": 40674671340.1552, "fair_value": 59663687813.88419, "market_value": 48759293385.703156}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000080661.svg", "value": 0.8952056915473319, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000080661.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000080661.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000080661.svg"}, {"company_id": "0000891166", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000891166.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 35, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 15% points.The greatest weakness of Universal Insurance Holdings Inc is the variable Assets, reducing the Economic Capital Ratio by 36% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 7.7% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000891166_2021_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"}, "2017": {"Separate Account Asset": "-0.890", "Assets": "-21.2", "Liabilities": "15.1", "Stockholders Equity": "-12.3", "ECR before LimitedLiability": "-3.02", "Premiums Receivable": "-2.23", "Investments": "-17.4", "Intangible Assets": "-2.06", "Assets, Current": "3.07", "Other Assets": "-8.53", "Deferred Policy Acquisition Costs": "0.428", "Reinsurance Recoverables": "5.38", "Assets, Non-Current": "-0.942", "Claims Reserve and LAE": "14.9", "Liabilities Current": "0.930", "Long Term Debt": "4.23", "Policyholder Contract Deposits": "3.15", "Reinsurance Payable": "-3.84", "Other Liabilities": "10.5", "Unearned Premiums": "-10.1", "Economic Capital Ratio": "-2.73"}, "2018": {"Assets, Non-Current": "-1.23", "Assets": "-18.8", "Liabilities": "12.5", "Stockholders Equity": "-11.7", "ECR before LimitedLiability": "-5.31", "Reinsurance Recoverables": "12.3", "Assets, Current": "0.442", "Intangible Assets": "-2.45", "Other Assets": "-5.38", "Separate Account Asset": "-1.22", "Investments": "-17.7", "Premiums Receivable": "-2.05", "Other Liabilities": "9.36", "Liabilities Current": "0.980", "Long Term Debt": "3.40", "Reinsurance Payable": "-2.05", "Unearned Premiums": "-8.05", "Policyholder Contract Deposits": "3.16", "Claims Reserve and LAE": "12.4", "Economic Capital Ratio": "-4.97", "Premiums Earned": "-0.364"}, "2019": {"Premiums Receivable": "-2.44", "Assets": "-30.4", "Liabilities": "15.4", "Stockholders Equity": "-24.1", "ECR before LimitedLiability": "-5.72", "Investments": "-20.3", "Assets, Non-Current": "-1.44", "Intangible Assets": "-2.24", "Separate Account Asset": "-1.64", "Other Assets": "-15.9", "Reinsurance Recoverables": "6.22", "Assets, Current": "-3.83", "Policyholder Contract Deposits": "4.45", "Reinsurance Payable": "-2.54", "Long Term Debt": "7.12", "Liabilities Current": "0.992", "Other Liabilities": "14.5", "Claims Reserve and LAE": "14.6", "Unearned Premiums": "-12.3", "Economic Capital Ratio": "-5.12", "Policyholder Benefits and Claims": "0.285"}, "2020": {"Intangible Assets": "-2.66", "Assets": "-36.4", "Liabilities": "15.3", "Stockholders Equity": "-29.7", "ECR before LimitedLiability": "-8.39", "Assets, Current": "-4.65", "Other Assets": "-20.3", "Deferred Policy Acquisition Costs": "0.321", "Reinsurance Recoverables": "4.40", "Separate Account Asset": "-2.12", "Investments": "-25.1", "Premiums Receivable": "-2.87", "Assets, Non-Current": "-1.42", "Other Liabilities": "13.6", "Long Term Debt": "4.15", "Reinsurance Payable": "2.73", "Claims Reserve and LAE": "13.8", "Policyholder Contract Deposits": "6.86", "Liabilities Current": "1.12", "Unearned Premiums": "-13.1", "Economic Capital Ratio": "-7.72"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "213,486", "Assets, Non-Current": "45,327", "Claims Reserve and LAE": "248,425", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "73,059", "General and Administrative Expense": "241,818", "Insurance Commissions and Fees": "21,553", "Intangible Assets": "0", "Investment Income": "32,946", "Investments": "730,023", "Liabilities Current": "0", "Long Term Debt": "12,868", "Other Assets": "21,393", "Other Compr. Net Income": "1,827", "Other Expenses": "63,667", "Other Liabilities": "110,893", "Other Net Income": "0", "Other Revenues": "27,872", "Policyholder Benefits and Claims": "385,259", "Policyholder Contract Deposits": "0", "Premiums Earned": "751,471", "Premiums Receivable": "56,500", "Reinsurance Payable": "110,381", "Reinsurance Recoverables": "315,211", "Revenues Y+1": "785,767", "Revenues Y+2": "806,165", "Revenues Y+3": "818,803", "Revenues Y+4": "827,422", "Revenues Y+5": "833,842", "Separate Account Asset": "0", "Unearned Premiums": "532,444"}, "output_variables": {"Assets": "1,454,999", "Liabilities": "1,015,011", "Expenses": "690,743", "Revenues": "833,842", "Stockholders Equity": "439,988", "Net Income": "143,099", "Comprehensive Net Income": "144,012", "BaseVar": "33,035,257", "ECR before LimitedLiability": "56%", "Economic Capital Ratio": "126%"}}, "2018": {"input_variables": {"Assets, Current": "166,428", "Assets, Non-Current": "49,531", "Claims Reserve and LAE": "472,829", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "84,686", "General and Administrative Expense": "286,299", "Insurance Commissions and Fees": "22,550", "Intangible Assets": "0", "Investment Income": "81,533", "Investments": "908,154", "Liabilities Current": "0", "Long Term Debt": "11,397", "Other Assets": "28,380", "Other Compr. Net Income": "58", "Other Expenses": "-96,767", "Other Liabilities": "177,546", "Other Net Income": "0", "Other Revenues": "13,757", "Policyholder Benefits and Claims": "471,618", "Policyholder Contract Deposits": "0", "Premiums Earned": "866,394", "Premiums Receivable": "59,858", "Reinsurance Payable": "93,306", "Reinsurance Recoverables": "561,353", "Revenues Y+1": "887,993", "Revenues Y+2": "922,041", "Revenues Y+3": "948,952", "Revenues Y+4": "968,094", "Revenues Y+5": "984,234", "Separate Account Asset": "0", "Unearned Premiums": "601,679"}, "output_variables": {"Assets": "1,858,390", "Liabilities": "1,356,757", "Expenses": "661,151", "Revenues": "984,234", "Stockholders Equity": "501,633", "Net Income": "323,083", "Comprehensive Net Income": "323,112", "BaseVar": "30,679,021", "ECR before LimitedLiability": "80%", "Economic Capital Ratio": "143%"}}, "2019": {"input_variables": {"Assets, Current": "182,109", "Assets, Non-Current": "58,679", "Claims Reserve and LAE": "267,760", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "91,882", "General and Administrative Expense": "291,333", "Insurance Commissions and Fees": "26,490", "Intangible Assets": "0", "Investment Income": "47,512", "Investments": "914,586", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "40,269", "Other Compr. Net Income": "-40,500", "Other Expenses": "0", "Other Liabilities": "174,331", "Other Net Income": "0", "Other Revenues": "9,493", "Policyholder Benefits and Claims": "1,014,261", "Policyholder Contract Deposits": "0", "Premiums Earned": "941,249", "Premiums Receivable": "63,883", "Reinsurance Payable": "122,581", "Reinsurance Recoverables": "368,444", "Revenues Y+1": "956,832", "Revenues Y+2": "1,017,471", "Revenues Y+3": "1,005,357", "Revenues Y+4": "1,046,977", "Revenues Y+5": "1,024,744", "Separate Account Asset": "0", "Unearned Premiums": "661,279"}, "output_variables": {"Assets": "1,719,852", "Liabilities": "1,225,951", "Expenses": "1,305,595", "Revenues": "1,024,744", "Stockholders Equity": "493,901", "Net Income": "-280,851", "Comprehensive Net Income": "-301,101", "BaseVar": "65,205,125", "ECR before LimitedLiability": "31%", "Economic Capital Ratio": "105%"}}, "2020": {"input_variables": {"Assets, Current": "167,156", "Assets, Non-Current": "68,449", "Claims Reserve and LAE": "322,465", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "110,614", "General and Administrative Expense": "311,043", "Insurance Commissions and Fees": "34,427", "Intangible Assets": "0", "Investment Income": "13,932", "Investments": "919,924", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "49,575", "Other Compr. Net Income": "1,760", "Other Expenses": "5,871", "Other Liabilities": "193,567", "Other Net Income": "0", "Other Revenues": "157,900", "Policyholder Benefits and Claims": "1,145,930", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,041,557", "Premiums Receivable": "66,883", "Reinsurance Payable": "10,312", "Reinsurance Recoverables": "376,140", "Revenues Y+1": "1,149,706", "Revenues Y+2": "1,195,164", "Revenues Y+3": "1,222,170", "Revenues Y+4": "1,238,240", "Revenues Y+5": "1,247,816", "Separate Account Asset": "0", "Unearned Premiums": "783,135"}, "output_variables": {"Assets": "1,758,741", "Liabilities": "1,309,479", "Expenses": "1,462,844", "Revenues": "1,247,816", "Stockholders Equity": "449,262", "Net Income": "-215,029", "Comprehensive Net Income": "-214,149", "BaseVar": "147,363,123", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "105%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 224631000.0, "future_profits": 266037215.0119442, "valuation_correction": -1021366.9437514914, "limited_liability_put_option": 1127370674.0989408, "fair_value": 1617017522.1671336, "market_value": 364435524.6783447}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000891166.svg", "value": 0.8892994295972474, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000891166.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000891166.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000891166.svg"}, {"company_id": "0000874766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000874766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0000874766.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000874766.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000874766_256x256.png", "name": "Hartford Insurance Group INC", "rank": 36, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0000874766.svg", "report_text": "The relative strengths and weaknesses of Hartford Insurance Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Hartford Insurance Group INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Hartford Insurance 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 89%, being 8.0% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000874766_2021_Hartford_Insurance_Group_INC.pdf", "shrinked_graph_json": {"2009": {"Assets": "3.04", "Liabilities": "-35.3", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "-10.7", "Other Assets": "-1.59", "Assets, Current": "-0.671", "Separate Account Asset": "2.00", "Investments": "0.778", "Premiums Receivable": "-0.279", "Deferred Policy Acquisition Costs": "0.686", "Claims Reserve and LAE": "0.688", "Other Liabilities": "-10.8", "Liabilities Current": "0.305", "Policyholder Contract Deposits": "-23.2", "Premiums Earned": "0.566", "Revenues": "0.490", "Other Revenues": "0.307", "Insurance Commissions and Fees": "-0.284", "Economic Capital Ratio": "-10.5", "Policyholder Benefits and Claims": "-0.437", "Other Expenses": "0.506"}, "2010": {"Deferred Policy Acquisition Costs": "1.02", "Assets": "4.85", "Liabilities": "-44.1", "Stockholders Equity": "-1.17", "ECR before LimitedLiability": "-11.8", "Assets, Current": "-0.621", "Investments": "1.24", "Separate Account Asset": "2.90", "Other Assets": "-2.53", "Other Liabilities": "-8.17", "Unearned Premiums": "0.467", "Long Term Debt": "-0.575", "Policyholder Contract Deposits": "-29.5", "Claims Reserve and LAE": "-1.41", "Other Revenues": "0.383", "Revenues": "0.455", "Premiums Earned": "0.386", "Insurance Commissions and Fees": "-0.327", "Economic Capital Ratio": "-11.7", "Policyholder Benefits and Claims": "-0.432", "Other Expenses": "0.439"}, "2011": {"Assets": "7.92", "Liabilities": "-51.9", "Stockholders Equity": "0.440", "ECR before LimitedLiability": "-12.9", "Assets, Non-Current": "0.154", "Other Assets": "-1.45", "Separate Account Asset": "3.49", "Assets, Current": "-0.459", "Deferred Policy Acquisition Costs": "1.04", "Investments": "2.35", "Long Term Debt": "-0.696", "Other Liabilities": "-10.2", "Unearned Premiums": "0.638", "Policyholder Contract Deposits": "-28.6", "Claims Reserve and LAE": "-4.67", "Expenses": "-0.397", "General and Administrative Expense": "-0.149", "Policyholder Benefits and Claims": "-0.374", "Economic Capital Ratio": "-12.7", "Insurance Commissions and Fees": "-0.231", "Other Revenues": "0.220"}, "2012": {"Assets, Current": "-0.585", "Assets": "7.60", "Liabilities": "-50.9", "Stockholders Equity": "0.422", "ECR before LimitedLiability": "-12.9", "Separate Account Asset": "3.43", "Other Assets": "-1.10", "Deferred Policy Acquisition Costs": "0.651", "Assets, Non-Current": "0.288", "Investments": "2.27", "Other Liabilities": "-9.72", "Claims Reserve and LAE": "-4.68", "Unearned Premiums": "0.759", "Long Term Debt": "-0.798", "Policyholder Contract Deposits": "-28.5", "General and Administrative Expense": "-0.166", "Expenses": "-0.445", "Policyholder Benefits and Claims": "-0.418", "Investment Income": "-0.231", "Revenues": "-0.167", "Economic Capital Ratio": "-12.7"}, "2013": {"Assets": "4.93", "Liabilities": "-46.0", "Stockholders Equity": "-0.927", "ECR before LimitedLiability": "-13.5", "Assets, Current": "-0.822", "Reinsurance Recoverables": "0.625", "Separate Account Asset": "2.58", "Investments": "0.730", "Assets, Non-Current": "0.298", "Other Assets": "-2.34", "Long Term Debt": "-1.68", "Unearned Premiums": "0.606", "Claims Reserve and LAE": "-3.91", "Other Liabilities": "-5.45", "Policyholder Contract Deposits": "-30.4", "Expenses": "-0.614", "Policyholder Benefits and Claims": "-0.531", "General and Administrative Expense": "-0.231", "Economic Capital Ratio": "-13.3", "Other Revenues": "0.293", "Investment Income": "-0.527"}, "2014": {"Investments": "2.28", "Assets": "6.05", "Liabilities": "-47.7", "Stockholders Equity": "-2.22", "ECR before LimitedLiability": "-15.6", "Other Assets": "-3.58", "Separate Account Asset": "4.71", "Assets, Current": "-1.28", "Intangible Assets": "-0.197", "Reinsurance Recoverables": "2.25", "Other Liabilities": "-65.5", "Long Term Debt": "0.666", "Policyholder Contract Deposits": "0.665", "Reinsurance Payable": "0.337", "Unearned Premiums": "2.17", "Claims Reserve and LAE": "2.25", "Revenues": "0.268", "Other Revenues": "0.310", "Economic Capital Ratio": "-15.3", "Policyholder Benefits and Claims": "-0.289", "Other Expenses": "0.635"}, "2015": {"Separate Account Asset": "4.42", "Assets": "5.78", "Liabilities": "-46.3", "Stockholders Equity": "-2.18", "ECR before LimitedLiability": "-15.3", "Other Assets": "-3.20", "Assets, Current": "-1.04", "Premiums Receivable": "-0.148", "Investments": "2.24", "Reinsurance Recoverables": "2.24", "Policyholder Contract Deposits": "-45.8", "Long Term Debt": "-0.370", "Other Liabilities": "2.23", "Claims Reserve and LAE": "-4.16", "Reinsurance Payable": "0.340", "Unearned Premiums": "0.977", "Other Revenues": "0.263", "Revenues": "0.222", "Economic Capital Ratio": "-15.0", "Policyholder Benefits and Claims": "-0.294", "Other Expenses": "0.620"}, "2019": {"Premiums Receivable": "0.471", "Assets": "-10.1", "Liabilities": "3.58", "Stockholders Equity": "-10.1", "ECR before LimitedLiability": "-9.23", "Deferred Policy Acquisition Costs": "-0.731", "Investments": "4.50", "Assets, Non-Current": "0.611", "Separate Account Asset": "-0.957", "Other Assets": "-9.91", "Reinsurance Recoverables": "1.33", "Assets, Current": "-4.77", "Policyholder Contract Deposits": "1.77", "Reinsurance Payable": "1.09", "Long Term Debt": "0.250", "Liabilities Current": "0.530", "Other Liabilities": "10.2", "Claims Reserve and LAE": "-13.5", "Unearned Premiums": "1.32", "Economic Capital Ratio": "-8.63", "Other Revenues": "0.209"}, "2020": {"Assets": "-9.33", "Liabilities": "5.85", "Stockholders Equity": "-7.16", "ECR before LimitedLiability": "-8.70", "Assets, Current": "-4.02", "Other Assets": "-10.9", "Deferred Policy Acquisition Costs": "-0.678", "Reinsurance Recoverables": "1.15", "Separate Account Asset": "-0.981", "Investments": "6.62", "Premiums Receivable": "0.500", "Assets, Non-Current": "0.513", "Other Liabilities": "11.6", "Long Term Debt": "-1.71", "Reinsurance Payable": "1.41", "Claims Reserve and LAE": "-11.9", "Policyholder Contract Deposits": "2.63", "Liabilities Current": "0.509", "Unearned Premiums": "1.50", "Economic Capital Ratio": "-8.03", "Other Revenues": "0.116"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0000874766_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "5,007,000", "Claims Reserve and LAE": "21,651,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "10,686,000", "General and Administrative Expense": "4,635,000", "Insurance Commissions and Fees": "4,576,000", "Intangible Assets": "1,204,000", "Investment Income": "5,209,000", "Investments": "125,556,000", "Liabilities Current": "0", "Long Term Debt": "5,496,000", "Other Assets": "6,082,000", "Other Compr. Net Income": "5,120,000", "Other Expenses": "20,953,000", "Other Liabilities": "107,061,000", "Other Net Income": "0", "Other Revenues": "492,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "150,394,000", "Premiums Earned": "14,424,000", "Premiums Receivable": "3,404,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "5,384,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "150,394,000", "Unearned Premiums": "5,221,000"}, "output_variables": {"Assets": "307,717,000", "Liabilities": "289,823,000", "Expenses": "25,588,000", "Revenues": "24,701,000", "Stockholders Equity": "17,894,000", "Net Income": "-887,000", "Comprehensive Net Income": "1,673,000", "BaseVar": "1,070,483,092", "ECR before LimitedLiability": "0.69%", "Economic Capital Ratio": "76%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,779,000", "Claims Reserve and LAE": "39,598,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "9,857,000", "General and Administrative Expense": "4,663,000", "Insurance Commissions and Fees": "4,784,000", "Intangible Assets": "1,051,000", "Investment Income": "3,064,000", "Investments": "130,995,000", "Liabilities Current": "0", "Long Term Debt": "6,207,000", "Other Assets": "5,787,000", "Other Compr. Net Income": "2,117,000", "Other Expenses": "16,040,000", "Other Liabilities": "87,312,000", "Other Net Income": "0", "Other Revenues": "480,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "159,742,000", "Premiums Earned": "14,055,000", "Premiums Receivable": "3,273,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,862,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "159,742,000", "Unearned Premiums": "5,176,000"}, "output_variables": {"Assets": "318,346,000", "Liabilities": "298,035,000", "Expenses": "20,703,000", "Revenues": "22,383,000", "Stockholders Equity": "20,311,000", "Net Income": "1,680,000", "Comprehensive Net Income": "2,738,500", "BaseVar": "995,166,184", "ECR before LimitedLiability": "1.0%", "Economic Capital Ratio": "77%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,303,000", "Claims Reserve and LAE": "41,016,000", "Deferred Acquisition Costs Amortization": "3,427,000", "Deferred Policy Acquisition Costs": "8,744,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "4,750,000", "Intangible Assets": "1,006,000", "Investment Income": "2,768,000", "Investments": "134,948,000", "Liabilities Current": "0", "Long Term Debt": "6,216,000", "Other Assets": "3,979,000", "Other Compr. Net Income": "2,158,000", "Other Expenses": "4,590,000", "Other Liabilities": "84,830,000", "Other Net Income": "86,000", "Other Revenues": "253,000", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "143,870,000", "Premiums Earned": "14,088,000", "Premiums Receivable": "3,446,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,768,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "143,870,000", "Unearned Premiums": "5,222,000"}, "output_variables": {"Assets": "304,064,000", "Liabilities": "281,154,000", "Expenses": "8,017,000", "Revenues": "21,859,000", "Stockholders Equity": "22,910,000", "Net Income": "13,928,000", "Comprehensive Net Income": "15,007,000", "BaseVar": "1,103,720,111", "ECR before LimitedLiability": "1.9%", "Economic Capital Ratio": "78%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,744,000", "Claims Reserve and LAE": "40,992,000", "Deferred Acquisition Costs Amortization": "2,419,104", "Deferred Policy Acquisition Costs": "5,725,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "4,416,827", "Intangible Assets": "654,000", "Investment Income": "6,611,617", "Investments": "134,250,000", "Liabilities Current": "0", "Long Term Debt": "6,806,000", "Other Assets": "4,363,000", "Other Compr. Net Income": "673,077", "Other Expenses": "5,149,472", "Other Liabilities": "81,554,000", "Other Net Income": "85,770", "Other Revenues": "257,928", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "141,569,000", "Premiums Earned": "13,642,447", "Premiums Receivable": "3,542,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,666,000", "Revenues Y+1": "24,382,832", "Revenues Y+2": "25,153,262", "Revenues Y+3": "24,859,588", "Revenues Y+4": "24,971,373", "Revenues Y+5": "24,928,818", "Separate Account Asset": "141,569,000", "Unearned Premiums": "5,145,000"}, "output_variables": {"Assets": "298,513,000", "Liabilities": "276,066,000", "Expenses": "7,568,576", "Revenues": "24,928,818", "Stockholders Equity": "22,447,000", "Net Income": "17,446,012", "Comprehensive Net Income": "17,782,550", "BaseVar": "1,254,040,695", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,875,000", "Claims Reserve and LAE": "41,373,000", "Deferred Acquisition Costs Amortization": "2,482,969", "Deferred Policy Acquisition Costs": "2,161,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "2,682,800", "Intangible Assets": "498,000", "Investment Income": "9,861,578", "Investments": "98,401,000", "Liabilities Current": "0", "Long Term Debt": "12,212,000", "Other Assets": "5,268,000", "Other Compr. Net Income": "-2,370,101", "Other Expenses": "4,494,255", "Other Liabilities": "59,283,000", "Other Net Income": "-957,381", "Other Revenues": "274,759", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "140,886,000", "Premiums Earned": "13,235,793", "Premiums Receivable": "3,465,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "23,330,000", "Revenues Y+1": "26,061,061", "Revenues Y+2": "26,055,622", "Revenues Y+3": "26,054,967", "Revenues Y+4": "26,054,932", "Revenues Y+5": "26,054,929", "Separate Account Asset": "140,886,000", "Unearned Premiums": "5,225,000"}, "output_variables": {"Assets": "277,884,000", "Liabilities": "258,979,000", "Expenses": "6,977,225", "Revenues": "26,054,929", "Stockholders Equity": "18,905,000", "Net Income": "18,120,323", "Comprehensive Net Income": "16,935,273", "BaseVar": "895,321,777", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,067,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,007,265", "Deferred Policy Acquisition Costs": "1,823,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "1,888,259", "Intangible Assets": "498,000", "Investment Income": "4,444,927", "Investments": "76,278,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "3,296,000", "Other Compr. Net Income": "-189,022", "Other Expenses": "16,018,534", "Other Liabilities": "226,293,000", "Other Net Income": "-472,160", "Other Revenues": "115,790", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "13,333,319", "Premiums Receivable": "3,429,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "22,920,000", "Revenues Y+1": "20,090,011", "Revenues Y+2": "19,714,202", "Revenues Y+3": "19,797,567", "Revenues Y+4": "19,777,747", "Revenues Y+5": "19,782,296", "Separate Account Asset": "134,702,000", "Unearned Premiums": "0"}, "output_variables": {"Assets": "245,013,000", "Liabilities": "226,293,000", "Expenses": "17,025,799", "Revenues": "19,782,296", "Stockholders Equity": "18,720,000", "Net Income": "2,284,337", "Comprehensive Net Income": "2,189,826", "BaseVar": "1,083,374,183", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "83%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,803,000", "Claims Reserve and LAE": "41,572,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,816,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "1,817,676", "Intangible Assets": "498,000", "Investment Income": "2,904,950", "Investments": "72,728,000", "Liabilities Current": "0", "Long Term Debt": "5,084,000", "Other Assets": "3,654,000", "Other Compr. Net Income": "-523,558", "Other Expenses": "16,752,070", "Other Liabilities": "6,872,000", "Other Net Income": "-216,415", "Other Revenues": "87,226", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "151,793,000", "Premiums Earned": "13,571,158", "Premiums Receivable": "3,537,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "23,189,000", "Revenues Y+1": "18,387,029", "Revenues Y+2": "18,380,895", "Revenues Y+3": "18,381,094", "Revenues Y+4": "18,381,007", "Revenues Y+5": "18,381,009", "Separate Account Asset": "120,123,000", "Unearned Premiums": "5,385,000"}, "output_variables": {"Assets": "228,348,000", "Liabilities": "210,706,000", "Expenses": "16,752,070", "Revenues": "18,381,009", "Stockholders Equity": "17,642,000", "Net Income": "1,412,524", "Comprehensive Net Income": "1,150,745", "BaseVar": "1,020,264,785", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "82%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,547,000", "Claims Reserve and LAE": "37,152,000", "Deferred Acquisition Costs Amortization": "1,185,790", "Deferred Policy Acquisition Costs": "785,000", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "1,228,010", "Intangible Assets": "1,913,000", "Investment Income": "2,401,168", "Investments": "53,030,000", "Liabilities Current": "0", "Long Term Debt": "4,348,000", "Other Assets": "1,631,000", "Other Compr. Net Income": "750,026", "Other Expenses": "6,433,159", "Other Liabilities": "5,657,000", "Other Net Income": "-53,113", "Other Revenues": "169,251", "Policyholder Benefits and Claims": "11,472,000", "Policyholder Contract Deposits": "755,000", "Premiums Earned": "16,841,892", "Premiums Receivable": "4,384,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "5,527,000", "Revenues Y+1": "20,653,453", "Revenues Y+2": "20,640,659", "Revenues Y+3": "20,640,529", "Revenues Y+4": "20,640,323", "Revenues Y+5": "20,640,321", "Separate Account Asset": "0", "Unearned Premiums": "6,635,000"}, "output_variables": {"Assets": "70,817,000", "Liabilities": "54,547,000", "Expenses": "19,090,949", "Revenues": "20,640,321", "Stockholders Equity": "16,270,000", "Net Income": "1,496,259", "Comprehensive Net Income": "1,871,272", "BaseVar": "1,152,316,669", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,188,000", "Claims Reserve and LAE": "38,493,000", "Deferred Acquisition Costs Amortization": "1,685,594", "Deferred Policy Acquisition Costs": "789,000", "General and Administrative Expense": "4,479,941", "Insurance Commissions and Fees": "1,273,771", "Intangible Assets": "1,911,000", "Investment Income": "1,884,559", "Investments": "56,532,000", "Liabilities Current": "0", "Long Term Debt": "4,352,000", "Other Assets": "1,412,000", "Other Compr. Net Income": "1,266,825", "Other Expenses": "891,594", "Other Liabilities": "5,380,000", "Other Net Income": "-33,582", "Other Revenues": "126,865", "Policyholder Benefits and Claims": "11,814,955", "Policyholder Contract Deposits": "701,000", "Premiums Earned": "17,281,541", "Premiums Receivable": "4,268,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "6,011,000", "Revenues Y+1": "20,573,005", "Revenues Y+2": "20,566,100", "Revenues Y+3": "20,566,817", "Revenues Y+4": "20,566,726", "Revenues Y+5": "20,566,735", "Separate Account Asset": "0", "Unearned Premiums": "6,629,000"}, "output_variables": {"Assets": "74,111,000", "Liabilities": "55,555,000", "Expenses": "18,872,084", "Revenues": "20,566,735", "Stockholders Equity": "18,556,000", "Net Income": "1,661,069", "Comprehensive Net Income": "2,294,482", "BaseVar": "2,255,113,988", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}}, "top_rated": false, "trend": 2.0, "valuation": {"past_accumulated_profits": 9278000000.0, "future_profits": 8127280548.698103, "valuation_correction": 180233.6408298484, "limited_liability_put_option": 48040758244.81494, "fair_value": 65446219027.15388, "market_value": 15303680853.135252}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000874766.svg", "value": 0.8861841640180763, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000874766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000874766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000874766.svg"}, {"company_id": "0000086312", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000086312.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0000086312.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000086312.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000086312_256x256.png", "name": "Travelers Companies INC", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0000086312.svg", "report_text": "The relative strengths and weaknesses of Travelers Companies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Travelers Companies INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of Travelers Companies INC is the variable Other Assets, reducing the Economic Capital Ratio by 9.7% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 8.1% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000086312_2021_Travelers_Companies_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-0.618", "Assets": "0.539", "Liabilities": "4.57", "Stockholders Equity": "4.82", "ECR before LimitedLiability": "-0.528", "Other Assets": "-1.38", "Assets, Current": "-1.25", "Reinsurance Recoverables": "4.94", "Separate Account Asset": "-7.00", "Investments": "7.14", "Premiums Receivable": "0.787", "Intangible Assets": "0.571", "Deferred Policy Acquisition Costs": "-0.794", "Claims Reserve and LAE": "-20.2", "Other Liabilities": "8.73", "Unearned Premiums": "-4.17", "Long Term Debt": "2.04", "Liabilities Current": "0.719", "Policyholder Contract Deposits": "10.8", "Economic Capital Ratio": "-0.353", "Premiums Earned": "-0.290"}, "2010": {"Deferred Policy Acquisition Costs": "-0.445", "Assets": "1.38", "Stockholders Equity": "1.62", "Liabilities Current": "0.381", "ECR before LimitedLiability": "-2.40", "Assets, Current": "-1.41", "Investments": "8.05", "Intangible Assets": "0.653", "Assets, Non-Current": "-0.435", "Separate Account Asset": "-3.77", "Premiums Receivable": "0.823", "Reinsurance Recoverables": "4.06", "Other Assets": "-4.54", "Other Liabilities": "8.57", "Unearned Premiums": "-2.64", "Long Term Debt": "1.30", "Policyholder Contract Deposits": "6.41", "Claims Reserve and LAE": "-16.9", "Economic Capital Ratio": "-2.29", "Premiums Earned": "-0.330", "Other Revenues": "0.296"}, "2011": {"Reinsurance Recoverables": "3.17", "Assets": "-1.76", "Liabilities": "2.00", "Stockholders Equity": "-0.291", "ECR before LimitedLiability": "-3.71", "Intangible Assets": "1.02", "Assets, Non-Current": "-0.229", "Other Assets": "-4.16", "Separate Account Asset": "-3.92", "Assets, Current": "-1.52", "Premiums Receivable": "0.636", "Deferred Policy Acquisition Costs": "-0.556", "Investments": "4.75", "Liabilities Current": "0.273", "Long Term Debt": "1.61", "Other Liabilities": "10.9", "Policyholder Contract Deposits": "6.54", "Claims Reserve and LAE": "-21.9", "Reinsurance Payable": "0.542", "Economic Capital Ratio": "-3.55", "Other Revenues": "0.218"}, "2012": {"Assets, Current": "-1.78", "Assets": "0.337", "Liabilities": "0.823", "Stockholders Equity": "1.12", "ECR before LimitedLiability": "-2.99", "Separate Account Asset": "-3.91", "Other Assets": "-2.96", "Deferred Policy Acquisition Costs": "-0.158", "Intangible Assets": "1.00", "Reinsurance Recoverables": "3.07", "Investments": "5.29", "Premiums Receivable": "0.781", "Reinsurance Payable": "0.550", "Other Liabilities": "10.0", "Claims Reserve and LAE": "-22.0", "Unearned Premiums": "-0.179", "Long Term Debt": "1.59", "Policyholder Contract Deposits": "6.53", "Liabilities Current": "0.327", "Economic Capital Ratio": "-2.82", "Premiums Earned": "-0.167"}, "2020": {"Intangible Assets": "0.471", "Assets": "-8.24", "Liabilities": "4.61", "Stockholders Equity": "-6.67", "ECR before LimitedLiability": "-8.73", "Assets, Current": "-3.93", "Other Assets": "-9.68", "Deferred Policy Acquisition Costs": "-0.213", "Reinsurance Recoverables": "1.08", "Separate Account Asset": "-0.957", "Investments": "5.31", "Premiums Receivable": "1.00", "Assets, Non-Current": "-0.186", "Other Liabilities": "6.90", "Long Term Debt": "1.86", "Reinsurance Payable": "1.38", "Claims Reserve and LAE": "-8.75", "Policyholder Contract Deposits": "3.11", "Liabilities Current": "0.496", "Unearned Premiums": "-1.20", "Economic Capital Ratio": "-8.06"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0000086312_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,132,000", "Claims Reserve and LAE": "53,127,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,758,000", "General and Administrative Expense": "3,366,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,365,000", "Investment Income": "2,793,000", "Investments": "74,965,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "8,137,000", "Other Compr. Net Income": "2,190,000", "Other Expenses": "5,284,000", "Other Liabilities": "18,157,000", "Other Net Income": "0", "Other Revenues": "469,000", "Policyholder Benefits and Claims": "12,408,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "21,418,000", "Premiums Receivable": "5,471,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "13,732,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "10,861,000"}, "output_variables": {"Assets": "109,560,000", "Liabilities": "82,145,000", "Expenses": "21,058,000", "Revenues": "24,680,000", "Stockholders Equity": "27,415,000", "Net Income": "3,622,000", "Comprehensive Net Income": "4,717,000", "BaseVar": "763,373,391", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,154,000", "Claims Reserve and LAE": "51,131,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,782,000", "General and Administrative Expense": "3,406,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,365,000", "Investment Income": "3,323,000", "Investments": "72,722,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "7,329,000", "Other Compr. Net Income": "36,000", "Other Expenses": "5,280,000", "Other Liabilities": "17,654,000", "Other Net Income": "0", "Other Revenues": "357,000", "Policyholder Benefits and Claims": "13,210,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "21,432,000", "Premiums Receivable": "5,497,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "12,332,000", "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": "10,921,000"}, "output_variables": {"Assets": "105,181,000", "Liabilities": "79,706,000", "Expenses": "21,896,000", "Revenues": "25,112,000", "Stockholders Equity": "25,475,000", "Net Income": "3,216,000", "Comprehensive Net Income": "3,234,000", "BaseVar": "807,397,907", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,402,000", "Claims Reserve and LAE": "51,419,000", "Deferred Acquisition Costs Amortization": "3,876,000", "Deferred Policy Acquisition Costs": "1,786,000", "General and Administrative Expense": "3,556,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,798,000", "Investment Income": "2,879,000", "Investments": "72,701,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "6,175,000", "Other Compr. Net Income": "750,000", "Other Expenses": "312,000", "Other Liabilities": "17,604,000", "Other Net Income": "0", "Other Revenues": "477,000", "Policyholder Benefits and Claims": "16,276,000", "Policyholder Contract Deposits": "0", "Premiums Earned": "22,090,000", "Premiums Receivable": "5,730,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "12,010,000", "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": "11,102,000"}, "output_variables": {"Assets": "104,602,000", "Liabilities": "80,125,000", "Expenses": "24,020,000", "Revenues": "25,446,000", "Stockholders Equity": "24,477,000", "Net Income": "1,426,000", "Comprehensive Net Income": "1,801,000", "BaseVar": "1,360,444,308", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "87%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,234,000", "Claims Reserve and LAE": "50,922,000", "Deferred Acquisition Costs Amortization": "3,910,301", "Deferred Policy Acquisition Costs": "1,792,000", "General and Administrative Expense": "3,610,717", "Insurance Commissions and Fees": "323,000", "Intangible Assets": "3,746,000", "Investment Income": "2,890,762", "Investments": "73,838,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,888,000", "Other Compr. Net Income": "349,468", "Other Expenses": "1,020,216", "Other Liabilities": "17,370,000", "Other Net Income": "0", "Other Revenues": "262,002", "Policyholder Benefits and Claims": "14,599,266", "Policyholder Contract Deposits": "0", "Premiums Earned": "22,357,284", "Premiums Receivable": "5,872,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "11,568,000", "Revenues Y+1": "25,869,047", "Revenues Y+2": "25,816,342", "Revenues Y+3": "25,838,389", "Revenues Y+4": "25,829,239", "Revenues Y+5": "25,833,048", "Separate Account Asset": "0", "Unearned Premiums": "11,241,000"}, "output_variables": {"Assets": "104,938,000", "Liabilities": "79,533,000", "Expenses": "23,140,501", "Revenues": "25,833,048", "Stockholders Equity": "25,405,000", "Net Income": "2,692,547", "Comprehensive Net Income": "2,867,281", "BaseVar": "1,526,044,114", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,173,000", "Claims Reserve and LAE": "54,521,000", "Deferred Acquisition Costs Amortization": "4,780,637", "Deferred Policy Acquisition Costs": "2,358,000", "General and Administrative Expense": "4,520,932", "Insurance Commissions and Fees": "0", "Intangible Assets": "4,293,000", "Investment Income": "2,112,681", "Investments": "84,423,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,566,000", "Other Compr. Net Income": "744,556", "Other Expenses": "387,481", "Other Liabilities": "17,820,000", "Other Net Income": "0", "Other Revenues": "583,278", "Policyholder Benefits and Claims": "19,332,840", "Policyholder Contract Deposits": "0", "Premiums Earned": "29,051,099", "Premiums Receivable": "7,829,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "9,122,000", "Revenues Y+1": "31,727,269", "Revenues Y+2": "31,761,284", "Revenues Y+3": "31,744,340", "Revenues Y+4": "31,748,447", "Revenues Y+5": "31,747,059", "Separate Account Asset": "0", "Unearned Premiums": "15,222,000"}, "output_variables": {"Assets": "116,764,000", "Liabilities": "87,563,000", "Expenses": "29,021,889", "Revenues": "31,747,059", "Stockholders Equity": "29,201,000", "Net Income": "2,725,169", "Comprehensive Net Income": "3,097,448", "BaseVar": "3,409,341,151", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 14600500000.0, "future_profits": 10970008298.101383, "valuation_correction": -593029.1075690005, "limited_liability_put_option": 75901457717.1725, "fair_value": 101471372986.16632, "market_value": 31466008802.85737}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000086312.svg", "value": 0.8858761454729508, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000086312.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000086312.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000086312.svg"}, {"company_id": "0000944695", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000944695.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 38, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Liabilities, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Hanover Insurance Group Inc is the variable Assets, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 88%, being 8.6% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000944695_2021_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"}, "2017": {"Separate Account Asset": "-0.663", "Assets": "-8.19", "Liabilities": "0.722", "Stockholders Equity": "-9.47", "ECR before LimitedLiability": "-9.57", "Premiums Receivable": "1.87", "Investments": "-6.02", "Intangible Assets": "-0.970", "Assets, Current": "-1.56", "Other Assets": "-6.55", "Deferred Policy Acquisition Costs": "0.327", "Reinsurance Recoverables": "6.35", "Claims Reserve and LAE": "-7.73", "Liabilities Current": "0.597", "Policyholder Contract Deposits": "2.03", "Reinsurance Payable": "-0.562", "Other Liabilities": "6.86", "Unearned Premiums": "-1.42", "Economic Capital Ratio": "-9.28", "Premiums Earned": "-0.229", "Other Revenues": "0.232"}, "2018": {"Assets, Non-Current": "-0.792", "Assets": "-13.8", "Liabilities": "10.1", "Stockholders Equity": "-10.0", "ECR before LimitedLiability": "-7.11", "Reinsurance Recoverables": "3.19", "Assets, Current": "0.582", "Intangible Assets": "-1.54", "Other Assets": "-4.50", "Separate Account Asset": "-1.09", "Investments": "-11.5", "Premiums Receivable": "1.28", "Other Liabilities": "7.97", "Liabilities Current": "0.834", "Long Term Debt": "-0.570", "Reinsurance Payable": "0.788", "Unearned Premiums": "-0.384", "Policyholder Contract Deposits": "2.70", "Claims Reserve and LAE": "-0.970", "Economic Capital Ratio": "-6.77", "Premiums Earned": "-0.305"}, "2019": {"Premiums Receivable": "0.629", "Assets": "-29.6", "Liabilities": "12.2", "Stockholders Equity": "-24.2", "ECR before LimitedLiability": "-8.65", "Deferred Policy Acquisition Costs": "-0.364", "Investments": "-16.7", "Assets, Non-Current": "-1.40", "Intangible Assets": "-1.54", "Separate Account Asset": "-1.59", "Other Assets": "-15.9", "Reinsurance Recoverables": "2.96", "Assets, Current": "-7.01", "Policyholder Contract Deposits": "4.01", "Reinsurance Payable": "1.58", "Long Term Debt": "6.42", "Liabilities Current": "0.893", "Other Liabilities": "11.6", "Claims Reserve and LAE": "5.24", "Expenses": "0.272", "Economic Capital Ratio": "-8.05"}, "2020": {"Intangible Assets": "-1.46", "Assets": "-28.6", "Liabilities": "13.1", "Stockholders Equity": "-20.6", "ECR before LimitedLiability": "-9.26", "Assets, Current": "-6.14", "Other Assets": "-17.0", "Deferred Policy Acquisition Costs": "-0.318", "Reinsurance Recoverables": "2.17", "Separate Account Asset": "-1.63", "Investments": "-14.5", "Premiums Receivable": "1.02", "Assets, Non-Current": "-0.924", "Other Liabilities": "12.5", "Long Term Debt": "3.11", "Reinsurance Payable": "2.10", "Claims Reserve and LAE": "7.01", "Policyholder Contract Deposits": "5.17", "Liabilities Current": "0.837", "Unearned Premiums": "0.316", "Economic Capital Ratio": "-8.58"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "376,400", "Assets, Non-Current": "504,200", "Claims Reserve and LAE": "7,745,000", "Deferred Acquisition Costs Amortization": "1,107,654", "Deferred Policy Acquisition Costs": "550,200", "General and Administrative Expense": "620,365", "Insurance Commissions and Fees": "0", "Intangible Assets": "192,600", "Investment Income": "326,376", "Investments": "9,041,700", "Liabilities Current": "0", "Long Term Debt": "786,900", "Other Assets": "179,900", "Other Compr. Net Income": "28,189", "Other Expenses": "151,599", "Other Liabilities": "831,600", "Other Net Income": "-32,063", "Other Revenues": "22,592", "Policyholder Benefits and Claims": "3,215,987", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,923,866", "Premiums Receivable": "1,567,600", "Reinsurance Payable": "344,800", "Reinsurance Recoverables": "3,057,000", "Revenues Y+1": "5,245,090", "Revenues Y+2": "5,264,583", "Revenues Y+3": "5,270,466", "Revenues Y+4": "5,272,280", "Revenues Y+5": "5,272,834", "Separate Account Asset": "0", "Unearned Premiums": "2,763,600"}, "output_variables": {"Assets": "15,469,600", "Liabilities": "12,471,900", "Expenses": "5,095,605", "Revenues": "5,272,834", "Stockholders Equity": "2,997,700", "Net Income": "145,165", "Comprehensive Net Income": "159,260", "BaseVar": "231,235,165", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "94%"}}, "2018": {"input_variables": {"Assets, Current": "1,020,700", "Assets, Non-Current": "371,600", "Claims Reserve and LAE": "5,304,100", "Deferred Acquisition Costs Amortization": "820,092", "Deferred Policy Acquisition Costs": "450,800", "General and Administrative Expense": "506,444", "Insurance Commissions and Fees": "0", "Intangible Assets": "178,800", "Investment Income": "272,173", "Investments": "7,287,400", "Liabilities Current": "0", "Long Term Debt": "777,900", "Other Assets": "265,100", "Other Compr. Net Income": "-40,746", "Other Expenses": "119,878", "Other Liabilities": "1,047,900", "Other Net Income": "-7,330", "Other Revenues": "-16,326", "Policyholder Benefits and Claims": "2,525,823", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,015,946", "Premiums Receivable": "1,176,700", "Reinsurance Payable": "37,300", "Reinsurance Recoverables": "1,648,600", "Revenues Y+1": "4,343,908", "Revenues Y+2": "4,291,153", "Revenues Y+3": "4,277,340", "Revenues Y+4": "4,273,001", "Revenues Y+5": "4,271,793", "Separate Account Asset": "0", "Unearned Premiums": "2,277,800"}, "output_variables": {"Assets": "12,399,700", "Liabilities": "9,445,000", "Expenses": "3,972,238", "Revenues": "4,271,793", "Stockholders Equity": "2,954,700", "Net Income": "292,226", "Comprehensive Net Income": "271,853", "BaseVar": "157,426,006", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}, "2019": {"input_variables": {"Assets, Current": "215,700", "Assets, Non-Current": "402,400", "Claims Reserve and LAE": "5,654,400", "Deferred Acquisition Costs Amortization": "937,565", "Deferred Policy Acquisition Costs": "467,400", "General and Administrative Expense": "541,300", "Insurance Commissions and Fees": "0", "Intangible Assets": "178,800", "Investment Income": "283,503", "Investments": "7,996,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "155,800", "Other Compr. Net Income": "-52,192", "Other Expenses": "155,175", "Other Liabilities": "1,449,800", "Other Net Income": "26", "Other Revenues": "-23,996", "Policyholder Benefits and Claims": "2,927,246", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,555,195", "Premiums Receivable": "1,260,400", "Reinsurance Payable": "53,400", "Reinsurance Recoverables": "1,814,000", "Revenues Y+1": "4,792,193", "Revenues Y+2": "4,962,770", "Revenues Y+3": "4,812,975", "Revenues Y+4": "4,967,856", "Revenues Y+5": "4,814,703", "Separate Account Asset": "0", "Unearned Premiums": "2,416,700"}, "output_variables": {"Assets": "12,490,500", "Liabilities": "9,574,300", "Expenses": "4,561,286", "Revenues": "4,814,703", "Stockholders Equity": "2,916,200", "Net Income": "253,444", "Comprehensive Net Income": "227,347", "BaseVar": "264,478,825", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "98%"}}, "2020": {"input_variables": {"Assets, Current": "120,600", "Assets, Non-Current": "445,700", "Claims Reserve and LAE": "6,024,000", "Deferred Acquisition Costs Amortization": "958,609", "Deferred Policy Acquisition Costs": "477,500", "General and Administrative Expense": "543,586", "Insurance Commissions and Fees": "0", "Intangible Assets": "178,800", "Investment Income": "283,402", "Investments": "8,846,100", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "161,400", "Other Compr. Net Income": "238,720", "Other Expenses": "2,971,770", "Other Liabilities": "1,686,400", "Other Net Income": "0", "Other Revenues": "86,603", "Policyholder Benefits and Claims": "2,836,388", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,546,781", "Premiums Receivable": "1,339,300", "Reinsurance Payable": "48,400", "Reinsurance Recoverables": "1,874,300", "Revenues Y+1": "4,934,598", "Revenues Y+2": "4,862,462", "Revenues Y+3": "4,925,648", "Revenues Y+4": "4,875,011", "Revenues Y+5": "4,916,786", "Separate Account Asset": "0", "Unearned Premiums": "2,482,700"}, "output_variables": {"Assets": "13,443,700", "Liabilities": "10,241,500", "Expenses": "7,310,353", "Revenues": "4,916,786", "Stockholders Equity": "3,202,200", "Net Income": "-2,393,567", "Comprehensive Net Income": "-2,274,208", "BaseVar": "682,050,048", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "97%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 1601100000.0, "future_profits": 1054043958.3320636, "valuation_correction": 309277.83623555186, "limited_liability_put_option": 8828696387.066433, "fair_value": 11484149623.234732, "market_value": 3809898123.695641}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000944695.svg", "value": 0.8806294085821427, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000944695.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000944695.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000944695.svg"}, {"company_id": "0000060086", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000060086.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 39, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Investments, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Loews CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 88%, being 8.6% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000060086_2021_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"}, "2017": {"Separate Account Asset": "-0.330", "Assets": "15.6", "Liabilities": "-19.3", "Stockholders Equity": "6.29", "ECR before LimitedLiability": "-2.40", "Premiums Receivable": "2.96", "Investments": "15.5", "Intangible Assets": "-0.405", "Assets, Current": "-1.34", "Other Assets": "-3.39", "Reinsurance Recoverables": "-1.74", "Assets, Non-Current": "10.9", "Claims Reserve and LAE": "-15.8", "Liabilities Current": "0.345", "Long Term Debt": "-7.77", "Policyholder Contract Deposits": "1.18", "Reinsurance Payable": "0.435", "Other Liabilities": "0.627", "Unearned Premiums": "1.95", "Economic Capital Ratio": "-2.11", "Other Revenues": "-0.331"}, "2018": {"Assets, Non-Current": "11.0", "Assets": "13.0", "Liabilities": "-15.6", "Stockholders Equity": "2.41", "ECR before LimitedLiability": "-4.74", "Reinsurance Recoverables": "-1.64", "Assets, Current": "-1.69", "Intangible Assets": "-0.785", "Deferred Policy Acquisition Costs": "-0.524", "Other Assets": "-1.32", "Separate Account Asset": "-0.578", "Investments": "7.29", "Premiums Receivable": "3.15", "Other Liabilities": "0.411", "Liabilities Current": "0.461", "Long Term Debt": "-7.74", "Reinsurance Payable": "0.537", "Unearned Premiums": "2.59", "Policyholder Contract Deposits": "1.50", "Claims Reserve and LAE": "-13.5", "Economic Capital Ratio": "-4.41"}, "2019": {"Premiums Receivable": "2.87", "Assets": "10.1", "Liabilities": "-13.5", "Stockholders Equity": "-0.313", "ECR before LimitedLiability": "-6.88", "Deferred Policy Acquisition Costs": "-0.425", "Investments": "10.5", "Assets, Non-Current": "10.9", "Intangible Assets": "-0.415", "Separate Account Asset": "-0.610", "Other Assets": "-5.71", "Reinsurance Recoverables": "-1.46", "Assets, Current": "-3.10", "Policyholder Contract Deposits": "1.61", "Reinsurance Payable": "0.727", "Long Term Debt": "-6.34", "Liabilities Current": "0.353", "Other Liabilities": "2.72", "Claims Reserve and LAE": "-14.2", "Unearned Premiums": "1.17", "Economic Capital Ratio": "-6.28"}, "2020": {"Intangible Assets": "-0.354", "Assets": "11.5", "Liabilities": "-14.7", "Stockholders Equity": "-0.373", "ECR before LimitedLiability": "-9.30", "Assets, Current": "-2.64", "Other Assets": "-2.21", "Deferred Policy Acquisition Costs": "-0.343", "Reinsurance Recoverables": "-1.64", "Separate Account Asset": "-0.633", "Investments": "12.4", "Premiums Receivable": "-1.36", "Assets, Non-Current": "7.64", "Other Liabilities": "3.24", "Long Term Debt": "-6.74", "Reinsurance Payable": "0.895", "Claims Reserve and LAE": "-15.6", "Policyholder Contract Deposits": "2.03", "Liabilities Current": "0.322", "Unearned Premiums": "0.547", "Economic Capital Ratio": "-8.63"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "17,982,000", "Claims Reserve and LAE": "33,183,000", "Deferred Acquisition Costs Amortization": "1,233,115", "Deferred Policy Acquisition Costs": "634,000", "General and Administrative Expense": "4,129,230", "Insurance Commissions and Fees": "0", "Intangible Assets": "659,000", "Investment Income": "0", "Investments": "52,226,000", "Liabilities Current": "0", "Long Term Debt": "11,253,000", "Other Assets": "472,000", "Other Compr. Net Income": "-15,112", "Other Expenses": "1,613,790", "Other Liabilities": "6,555,000", "Other Net Income": "0", "Other Revenues": "6,803,179", "Policyholder Benefits and Claims": "5,308,416", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,985,860", "Premiums Receivable": "7,613,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "13,783,892", "Revenues Y+2": "13,788,583", "Revenues Y+3": "13,788,997", "Revenues Y+4": "13,789,035", "Revenues Y+5": "13,789,038", "Separate Account Asset": "0", "Unearned Premiums": "4,029,000"}, "output_variables": {"Assets": "79,586,000", "Liabilities": "55,020,000", "Expenses": "12,284,551", "Revenues": "13,789,038", "Stockholders Equity": "24,566,000", "Net Income": "1,504,488", "Comprehensive Net Income": "1,496,932", "BaseVar": "610,817,596", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "100%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "17,954,000", "Claims Reserve and LAE": "32,581,000", "Deferred Acquisition Costs Amortization": "1,329,146", "Deferred Policy Acquisition Costs": "633,000", "General and Administrative Expense": "5,979,616", "Insurance Commissions and Fees": "0", "Intangible Assets": "665,000", "Investment Income": "1,817,000", "Investments": "48,186,000", "Liabilities Current": "0", "Long Term Debt": "11,359,000", "Other Assets": "2,918,000", "Other Compr. Net Income": "-632,557", "Other Expenses": "751,570", "Other Liabilities": "8,807,000", "Other Net Income": "0", "Other Revenues": "4,797,306", "Policyholder Benefits and Claims": "5,556,684", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,301,304", "Premiums Receivable": "7,960,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "13,925,253", "Revenues Y+2": "13,916,339", "Revenues Y+3": "13,915,660", "Revenues Y+4": "13,915,613", "Revenues Y+5": "13,915,609", "Separate Account Asset": "0", "Unearned Premiums": "4,183,000"}, "output_variables": {"Assets": "78,316,000", "Liabilities": "56,930,000", "Expenses": "13,617,016", "Revenues": "13,915,609", "Stockholders Equity": "21,386,000", "Net Income": "298,593", "Comprehensive Net Income": "-17,685", "BaseVar": "565,241,057", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "18,713,000", "Claims Reserve and LAE": "34,031,000", "Deferred Acquisition Costs Amortization": "1,380,354", "Deferred Policy Acquisition Costs": "662,000", "General and Administrative Expense": "6,076,072", "Insurance Commissions and Fees": "0", "Intangible Assets": "767,000", "Investment Income": "2,580,790", "Investments": "51,250,000", "Liabilities Current": "0", "Long Term Debt": "11,456,000", "Other Assets": "3,176,000", "Other Compr. Net Income": "293,161", "Other Expenses": "830,722", "Other Liabilities": "10,243,000", "Other Net Income": "0", "Other Revenues": "5,161,787", "Policyholder Benefits and Claims": "5,792,800", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,424,268", "Premiums Receivable": "7,675,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "15,099,383", "Revenues Y+2": "15,147,472", "Revenues Y+3": "15,161,482", "Revenues Y+4": "15,165,620", "Revenues Y+5": "15,166,845", "Separate Account Asset": "0", "Unearned Premiums": "4,583,000"}, "output_variables": {"Assets": "82,243,000", "Liabilities": "60,313,000", "Expenses": "14,079,949", "Revenues": "15,166,845", "Stockholders Equity": "21,930,000", "Net Income": "1,086,896", "Comprehensive Net Income": "1,233,477", "BaseVar": "865,362,796", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "13,520,000", "Claims Reserve and LAE": "36,024,000", "Deferred Acquisition Costs Amortization": "1,408,528", "Deferred Policy Acquisition Costs": "708,000", "General and Administrative Expense": "4,642,261", "Insurance Commissions and Fees": "0", "Intangible Assets": "785,000", "Investment Income": "1,894,521", "Investments": "53,844,000", "Liabilities Current": "0", "Long Term Debt": "10,072,000", "Other Assets": "11,379,000", "Other Compr. Net Income": "971,204", "Other Expenses": "1,465,950", "Other Liabilities": "9,840,000", "Other Net Income": "0", "Other Revenues": "2,814,148", "Policyholder Benefits and Claims": "6,150,474", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,642,007", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "12,379,020", "Revenues Y+2": "12,355,780", "Revenues Y+3": "12,351,690", "Revenues Y+4": "12,350,855", "Revenues Y+5": "12,350,675", "Separate Account Asset": "0", "Unearned Premiums": "5,119,000"}, "output_variables": {"Assets": "80,236,000", "Liabilities": "61,055,000", "Expenses": "13,667,212", "Revenues": "12,350,675", "Stockholders Equity": "19,181,000", "Net Income": "-1,316,537", "Comprehensive Net Income": "-830,935", "BaseVar": "1,521,671,949", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "92%"}}}, "top_rated": false, "trend": -6.0, "valuation": {"past_accumulated_profits": 9590500000.0, "future_profits": 2790290606.6104236, "valuation_correction": 1315963.6595395969, "limited_liability_put_option": 52954066219.73707, "fair_value": 65336172790.007034, "market_value": 11877706902.609055}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000060086.svg", "value": 0.8802160708177891, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000060086.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000060086.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000060086.svg"}, {"company_id": "0000899051", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000899051.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 40, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Allstate CORP 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 88%, being 8.7% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000899051_2021_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"}, "2017": {"Separate Account Asset": "0.799", "Assets": "-8.30", "Liabilities": "1.26", "Stockholders Equity": "-9.19", "ECR before LimitedLiability": "-9.21", "Premiums Receivable": "-0.563", "Investments": "0.597", "Intangible Assets": "-0.648", "Assets, Current": "-2.66", "Other Assets": "-6.60", "Deferred Policy Acquisition Costs": "0.405", "Reinsurance Recoverables": "0.182", "Claims Reserve and LAE": "1.87", "Liabilities Current": "0.602", "Long Term Debt": "-0.174", "Policyholder Contract Deposits": "-10.8", "Reinsurance Payable": "0.759", "Other Liabilities": "5.84", "Unearned Premiums": "2.07", "Economic Capital Ratio": "-8.92", "Other Revenues": "0.172"}, "2019": {"Premiums Receivable": "-0.465", "Assets": "-18.7", "Liabilities": "10.1", "Stockholders Equity": "-15.6", "ECR before LimitedLiability": "-10.1", "Investments": "-3.30", "Assets, Non-Current": "-0.315", "Intangible Assets": "-0.644", "Other Assets": "-9.99", "Reinsurance Recoverables": "-2.79", "Assets, Current": "-5.81", "Policyholder Contract Deposits": "-7.83", "Reinsurance Payable": "1.32", "Long Term Debt": "1.51", "Liabilities Current": "0.644", "Other Liabilities": "10.1", "Claims Reserve and LAE": "3.62", "Unearned Premiums": "0.850", "Economic Capital Ratio": "-9.47", "Other Revenues": "-0.797", "Premiums Earned": "0.440"}, "2020": {"Intangible Assets": "-0.625", "Assets": "-18.0", "Liabilities": "12.4", "Stockholders Equity": "-12.3", "ECR before LimitedLiability": "-9.38", "Assets, Current": "-4.93", "Other Assets": "-11.2", "Deferred Policy Acquisition Costs": "0.274", "Reinsurance Recoverables": "-3.10", "Investments": "-1.51", "Premiums Receivable": "-0.298", "Assets, Non-Current": "-0.183", "Other Liabilities": "12.3", "Long Term Debt": "-1.44", "Reinsurance Payable": "1.72", "Claims Reserve and LAE": "5.95", "Policyholder Contract Deposits": "-6.24", "Liabilities Current": "0.623", "Unearned Premiums": "0.865", "Economic Capital Ratio": "-8.71", "Premiums Earned": "-0.145"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "3,910,000", "Claims Reserve and LAE": "38,874,000", "Deferred Acquisition Costs Amortization": "4,753,215", "Deferred Policy Acquisition Costs": "4,191,000", "General and Administrative Expense": "4,734,181", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,181,000", "Investment Income": "3,782,604", "Investments": "82,803,000", "Liabilities Current": "0", "Long Term Debt": "6,350,000", "Other Assets": "1,186,000", "Other Compr. Net Income": "609,347", "Other Expenses": "3,969,227", "Other Liabilities": "8,296,000", "Other Net Income": "15,139", "Other Revenues": "2,377,812", "Policyholder Benefits and Claims": "21,923,957", "Policyholder Contract Deposits": "22,878,000", "Premiums Earned": "32,301,619", "Premiums Receivable": "5,786,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "8,921,000", "Revenues Y+1": "38,457,193", "Revenues Y+2": "38,462,404", "Revenues Y+3": "38,462,006", "Revenues Y+4": "38,462,037", "Revenues Y+5": "38,462,034", "Separate Account Asset": "3,444,000", "Unearned Premiums": "13,473,000"}, "output_variables": {"Assets": "112,422,000", "Liabilities": "89,871,000", "Expenses": "35,380,580", "Revenues": "38,462,034", "Stockholders Equity": "22,551,000", "Net Income": "3,096,594", "Comprehensive Net Income": "3,401,267", "BaseVar": "1,652,544,433", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "97%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "4,679,000", "Claims Reserve and LAE": "40,012,000", "Deferred Acquisition Costs Amortization": "5,434,661", "Deferred Policy Acquisition Costs": "4,699,000", "General and Administrative Expense": "5,827,522", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,545,000", "Investment Income": "4,960,404", "Investments": "88,362,000", "Liabilities Current": "0", "Long Term Debt": "6,631,000", "Other Assets": "10,149,000", "Other Compr. Net Income": "1,612,042", "Other Expenses": "4,586,746", "Other Liabilities": "11,230,000", "Other Net Income": "10,536", "Other Revenues": "39,562,835", "Policyholder Benefits and Claims": "24,011,342", "Policyholder Contract Deposits": "20,736,000", "Premiums Earned": "-52,643", "Premiums Receivable": "6,472,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "44,464,286", "Revenues Y+2": "44,471,067", "Revenues Y+3": "44,470,561", "Revenues Y+4": "44,470,599", "Revenues Y+5": "44,470,596", "Separate Account Asset": "3,044,000", "Unearned Premiums": "15,343,000"}, "output_variables": {"Assets": "119,950,000", "Liabilities": "93,952,000", "Expenses": "39,860,271", "Revenues": "44,470,596", "Stockholders Equity": "25,998,000", "Net Income": "4,620,861", "Comprehensive Net Income": "5,426,882", "BaseVar": "2,417,527,456", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "103%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "4,486,000", "Claims Reserve and LAE": "40,378,000", "Deferred Acquisition Costs Amortization": "5,617,747", "Deferred Policy Acquisition Costs": "4,700,000", "General and Administrative Expense": "5,737,202", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,544,000", "Investment Income": "4,280,487", "Investments": "94,237,000", "Liabilities Current": "0", "Long Term Debt": "7,825,000", "Other Assets": "10,197,000", "Other Compr. Net Income": "1,447,957", "Other Expenses": "5,802,665", "Other Liabilities": "11,061,000", "Other Net Income": "4,648", "Other Revenues": "12,374,690", "Policyholder Benefits and Claims": "21,989,576", "Policyholder Contract Deposits": "20,557,000", "Premiums Earned": "28,590,621", "Premiums Receivable": "6,479,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "45,676,164", "Revenues Y+2": "44,887,298", "Revenues Y+3": "45,378,058", "Revenues Y+4": "45,113,234", "Revenues Y+5": "45,245,798", "Separate Account Asset": "3,344,000", "Unearned Premiums": "15,949,000"}, "output_variables": {"Assets": "125,987,000", "Liabilities": "95,770,000", "Expenses": "39,147,190", "Revenues": "45,245,798", "Stockholders Equity": "30,217,000", "Net Income": "6,103,257", "Comprehensive Net Income": "6,827,235", "BaseVar": "4,726,232,956", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "108%"}}}, "top_rated": false, "trend": 1.0, "valuation": {"past_accumulated_profits": 15108500000.0, "future_profits": 24199789280.628395, "valuation_correction": 10096480.717588097, "limited_liability_put_option": 80941319400.47044, "fair_value": 120259705161.81644, "market_value": 28553562126.944176}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000899051.svg", "value": 0.8793732975987276, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000899051.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000899051.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000899051.svg"}, {"company_id": "0001179929", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001179929.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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/2020/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 106% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 9.9% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001179929_2021_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"}, "2017": {"Separate Account Asset": "-4.35", "Assets": "-60.8", "Liabilities": "16.3", "Stockholders Equity": "-99.8", "ECR before LimitedLiability": "-11.7", "Premiums Receivable": "-16.3", "Investments": "-56.3", "Intangible Assets": "-8.69", "Assets, Current": "7.67", "Other Assets": "-30.2", "Deferred Policy Acquisition Costs": "-8.41", "Reinsurance Recoverables": "-18.6", "Assets, Non-Current": "-8.95", "Claims Reserve and LAE": "12.1", "Liabilities Current": "-44.3", "Long Term Debt": "6.19", "Policyholder Contract Deposits": "6.22", "Reinsurance Payable": "4.84", "Other Liabilities": "9.65", "Unearned Premiums": "8.45", "Economic Capital Ratio": "-11.4"}, "2019": {"Premiums Receivable": "-14.7", "Assets": "-56.6", "Liabilities": "25.6", "Stockholders Equity": "-131", "ECR before LimitedLiability": "-5.65", "Deferred Policy Acquisition Costs": "-8.49", "Investments": "-51.5", "Assets, Non-Current": "-11.2", "Intangible Assets": "-8.93", "Separate Account Asset": "-6.74", "Other Assets": "-38.3", "Reinsurance Recoverables": "-14.3", "Policyholder Contract Deposits": "14.5", "Reinsurance Payable": "8.67", "Long Term Debt": "14.5", "Liabilities Current": "-32.0", "Other Liabilities": "20.1", "Claims Reserve and LAE": "20.0", "Unearned Premiums": "15.9", "Economic Capital Ratio": "-5.05", "Other Expenses": "0.980"}, "2020": {"Intangible Assets": "-8.11", "Assets": "-58.6", "Liabilities": "21.5", "Stockholders Equity": "-106", "ECR before LimitedLiability": "-10.6", "Assets, Current": "8.61", "Other Assets": "-39.7", "Deferred Policy Acquisition Costs": "-7.62", "Reinsurance Recoverables": "-14.9", "Separate Account Asset": "-6.55", "Investments": "-52.4", "Premiums Receivable": "-12.8", "Assets, Non-Current": "-9.32", "Other Liabilities": "16.5", "Long Term Debt": "-0.665", "Reinsurance Payable": "9.29", "Claims Reserve and LAE": "16.3", "Policyholder Contract Deposits": "11.3", "Liabilities Current": "-34.4", "Unearned Premiums": "12.3", "Economic Capital Ratio": "-9.91"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "7,511,000", "Assets, Non-Current": "342,000", "Claims Reserve and LAE": "2,192,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,887,047", "Insurance Commissions and Fees": "0", "Intangible Assets": "186,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "5,557,000", "Long Term Debt": "1,379,000", "Other Assets": "432,000", "Other Compr. Net Income": "229,654", "Other Expenses": "2,115,252", "Other Liabilities": "-1,994,000", "Other Net Income": "-80,524", "Other Revenues": "23,750,572", "Policyholder Benefits and Claims": "21,969,336", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "21,320,202", "Revenues Y+2": "22,303,329", "Revenues Y+3": "22,975,843", "Revenues Y+4": "23,435,881", "Revenues Y+5": "23,750,572", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "8,471,000", "Liabilities": "7,134,000", "Expenses": "25,971,635", "Revenues": "23,750,572", "Stockholders Equity": "1,337,000", "Net Income": "-2,301,587", "Comprehensive Net Income": "-2,186,760", "BaseVar": "1,050,143,862", "ECR before LimitedLiability": "71%", "Economic Capital Ratio": "137%"}}, "2019": {"input_variables": {"Assets, Current": "5,967,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "1,854,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "935,971", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "3,269,000", "Long Term Debt": "1,327,000", "Other Assets": "820,000", "Other Compr. Net Income": "8,340", "Other Expenses": "25,727,282", "Other Liabilities": "-1,623,000", "Other Net Income": "-60,408", "Other Revenues": "-30,159,706", "Policyholder Benefits and Claims": "-28,390,065", "Policyholder Contract Deposits": "0", "Premiums Earned": "16,208,000", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "4,461,779", "Revenues Y+2": "-3,478,630", "Revenues Y+3": "-8,576,792", "Revenues Y+4": "-11,850,081", "Revenues Y+5": "-13,951,706", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "6,787,000", "Liabilities": "4,827,000", "Expenses": "-1,726,812", "Revenues": "-13,951,706", "Stockholders Equity": "1,960,000", "Net Income": "-12,285,302", "Comprehensive Net Income": "-12,281,132", "BaseVar": "429,120,612", "ECR before LimitedLiability": "-313%", "Economic Capital Ratio": "5.0%"}}, "2020": {"input_variables": {"Assets, Current": "7,876,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "2,696,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "1,628,205", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "0", "Liabilities Current": "4,965,000", "Long Term Debt": "2,246,000", "Other Assets": "1,656,000", "Other Compr. Net Income": "29,737", "Other Expenses": "17,670,868", "Other Liabilities": "-2,471,000", "Other Net Income": "-118,999", "Other Revenues": "10,146,017", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "15,906,847", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "22,113,987", "Revenues Y+2": "15,680,608", "Revenues Y+3": "24,755,905", "Revenues Y+4": "13,823,709", "Revenues Y+5": "26,052,864", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "9,532,000", "Liabilities": "7,436,000", "Expenses": "19,299,073", "Revenues": "26,052,864", "Stockholders Equity": "2,096,000", "Net Income": "6,634,792", "Comprehensive Net Income": "6,649,660", "BaseVar": "2,454,756,729", "ECR before LimitedLiability": "239%", "Economic Capital Ratio": "255%"}}}, "top_rated": false, "trend": -12.0, "valuation": {"past_accumulated_profits": 1048000000.0, "future_profits": 19263876739.371105, "valuation_correction": -13613337.162687054, "limited_liability_put_option": 1302816910.1887257, "fair_value": 21601080312.397144, "market_value": 12253751963.806152}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001179929.svg", "value": 0.8673875828106721, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001179929.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001179929.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001179929.svg"}, {"company_id": "0001400810", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001400810.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 42, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Assets, Current, increasing the Economic Capital Ratio by 11% points.The greatest weakness of HCI Group Inc is the variable Investments, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 10% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001400810_2021_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"}, "2017": {"Separate Account Asset": "-0.587", "Assets": "-3.27", "Liabilities": "-2.09", "Stockholders Equity": "-5.69", "ECR before LimitedLiability": "-7.30", "Premiums Receivable": "-1.64", "Investments": "-8.20", "Intangible Assets": "-1.37", "Assets, Current": "10.6", "Deferred Policy Acquisition Costs": "-0.281", "Reinsurance Recoverables": "-1.89", "Assets, Non-Current": "-0.268", "Claims Reserve and LAE": "5.99", "Liabilities Current": "0.553", "Long Term Debt": "-15.8", "Policyholder Contract Deposits": "1.88", "Reinsurance Payable": "0.697", "Other Liabilities": "5.97", "Unearned Premiums": "-3.53", "Economic Capital Ratio": "-7.01", "Other Revenues": "0.224"}, "2018": {"Assets, Non-Current": "-0.438", "Assets": "-2.31", "Liabilities": "-3.75", "Stockholders Equity": "-5.89", "ECR before LimitedLiability": "-8.35", "Reinsurance Recoverables": "-1.42", "Assets, Current": "9.39", "Intangible Assets": "-1.70", "Deferred Policy Acquisition Costs": "-0.384", "Other Assets": "3.15", "Separate Account Asset": "-0.848", "Investments": "-8.81", "Premiums Receivable": "-1.50", "Other Liabilities": "-11.3", "Liabilities Current": "0.630", "Long Term Debt": "2.44", "Reinsurance Payable": "0.733", "Unearned Premiums": "-3.27", "Policyholder Contract Deposits": "2.04", "Claims Reserve and LAE": "3.95", "Economic Capital Ratio": "-8.01"}, "2019": {"Premiums Receivable": "-1.22", "Assets": "-9.86", "Liabilities": "3.38", "Stockholders Equity": "-9.90", "ECR before LimitedLiability": "-9.21", "Investments": "-9.31", "Intangible Assets": "-1.30", "Separate Account Asset": "-0.951", "Other Assets": "-4.11", "Reinsurance Recoverables": "-1.26", "Assets, Current": "9.42", "Policyholder Contract Deposits": "2.39", "Reinsurance Payable": "1.08", "Long Term Debt": "3.86", "Liabilities Current": "0.527", "Other Liabilities": "-0.970", "Claims Reserve and LAE": "3.09", "Unearned Premiums": "-7.08", "Economic Capital Ratio": "-8.60", "Other Expenses": "0.215", "Premiums Earned": "-0.243"}, "2020": {"Intangible Assets": "-1.45", "Assets": "-15.5", "Liabilities": "10.6", "Stockholders Equity": "-12.0", "ECR before LimitedLiability": "-11.0", "Assets, Current": "11.0", "Other Assets": "-9.67", "Deferred Policy Acquisition Costs": "0.821", "Reinsurance Recoverables": "-1.23", "Separate Account Asset": "-1.15", "Investments": "-17.3", "Premiums Receivable": "0.888", "Other Liabilities": "2.63", "Long Term Debt": "2.13", "Reinsurance Payable": "1.57", "Claims Reserve and LAE": "9.40", "Policyholder Contract Deposits": "3.55", "Liabilities Current": "0.569", "Unearned Premiums": "-9.90", "Economic Capital Ratio": "-10.3", "Premiums Earned": "-0.122"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "255,884", "Assets, Non-Current": "23,015", "Claims Reserve and LAE": "198,578", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "16,712", "General and Administrative Expense": "11,115", "Insurance Commissions and Fees": "3,587", "Intangible Assets": "0", "Investment Income": "11,594", "Investments": "380,286", "Liabilities Current": "0", "Long Term Debt": "237,835", "Other Assets": "126,274", "Other Compr. Net Income": "2,931", "Other Expenses": "36,179", "Other Liabilities": "46,965", "Other Net Income": "0", "Other Revenues": "6,173", "Policyholder Benefits and Claims": "230,721", "Policyholder Contract Deposits": "0", "Premiums Earned": "197,074", "Premiums Receivable": "17,807", "Reinsurance Payable": "15", "Reinsurance Recoverables": "22,286", "Revenues Y+1": "234,977", "Revenues Y+2": "226,379", "Revenues Y+3": "222,985", "Revenues Y+4": "219,612", "Revenues Y+5": "218,428", "Separate Account Asset": "0", "Unearned Premiums": "164,896"}, "output_variables": {"Assets": "842,264", "Liabilities": "648,289", "Expenses": "278,015", "Revenues": "218,428", "Stockholders Equity": "193,975", "Net Income": "-59,587", "Comprehensive Net Income": "-58,122", "BaseVar": "11,148,895", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2018": {"input_variables": {"Assets, Current": "239,458", "Assets, Non-Current": "22,342", "Claims Reserve and LAE": "207,586", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "16,507", "General and Administrative Expense": "12,121", "Insurance Commissions and Fees": "3,359", "Intangible Assets": "0", "Investment Income": "18,714", "Investments": "387,783", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "132,174", "Other Compr. Net Income": "-1,599", "Other Expenses": "116,117", "Other Liabilities": "286,093", "Other Net Income": "0", "Other Revenues": "707", "Policyholder Benefits and Claims": "104,628", "Policyholder Contract Deposits": "0", "Premiums Earned": "197,222", "Premiums Receivable": "16,667", "Reinsurance Payable": "14", "Reinsurance Recoverables": "17,932", "Revenues Y+1": "230,080", "Revenues Y+2": "223,769", "Revenues Y+3": "222,873", "Revenues Y+4": "220,381", "Revenues Y+5": "220,002", "Separate Account Asset": "0", "Unearned Premiums": "157,729"}, "output_variables": {"Assets": "832,863", "Liabilities": "651,422", "Expenses": "232,866", "Revenues": "220,002", "Stockholders Equity": "181,441", "Net Income": "-12,864", "Comprehensive Net Income": "-13,663", "BaseVar": "8,771,593", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2019": {"input_variables": {"Assets, Current": "229,218", "Assets, Non-Current": "31,778", "Claims Reserve and LAE": "214,697", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "21,663", "General and Administrative Expense": "12,213", "Insurance Commissions and Fees": "3,208", "Intangible Assets": "0", "Investment Income": "13,651", "Investments": "341,486", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "140,226", "Other Compr. Net Income": "956", "Other Expenses": "100,886", "Other Liabilities": "221,130", "Other Net Income": "0", "Other Revenues": "3,502", "Policyholder Benefits and Claims": "107,395", "Policyholder Contract Deposits": "0", "Premiums Earned": "220,427", "Premiums Receivable": "20,255", "Reinsurance Payable": "76", "Reinsurance Recoverables": "17,983", "Revenues Y+1": "235,924", "Revenues Y+2": "243,038", "Revenues Y+3": "239,281", "Revenues Y+4": "242,887", "Revenues Y+5": "240,788", "Separate Account Asset": "0", "Unearned Premiums": "181,163"}, "output_variables": {"Assets": "802,609", "Liabilities": "617,066", "Expenses": "220,494", "Revenues": "240,788", "Stockholders Equity": "185,543", "Net Income": "20,294", "Comprehensive Net Income": "20,772", "BaseVar": "13,135,573", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "98%"}}, "2020": {"input_variables": {"Assets, Current": "431,341", "Assets, Non-Current": "35,378", "Claims Reserve and LAE": "212,169", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "43,858", "General and Administrative Expense": "13,979", "Insurance Commissions and Fees": "3,559", "Intangible Assets": "0", "Investment Income": "527", "Investments": "225,720", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "100,258", "Other Compr. Net Income": "1,175", "Other Expenses": "124,490", "Other Liabilities": "258,522", "Other Net Income": "0", "Other Revenues": "42,601", "Policyholder Benefits and Claims": "162,867", "Policyholder Contract Deposits": "0", "Premiums Earned": "329,435", "Premiums Receivable": "68,382", "Reinsurance Payable": "87", "Reinsurance Recoverables": "36,376", "Revenues Y+1": "338,488", "Revenues Y+2": "355,222", "Revenues Y+3": "365,649", "Revenues Y+4": "372,122", "Revenues Y+5": "376,121", "Separate Account Asset": "0", "Unearned Premiums": "269,399"}, "output_variables": {"Assets": "941,313", "Liabilities": "740,177", "Expenses": "301,336", "Revenues": "376,121", "Stockholders Equity": "201,136", "Net Income": "74,785", "Comprehensive Net Income": "75,372", "BaseVar": "37,326,324", "ECR before LimitedLiability": "42%", "Economic Capital Ratio": "114%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 100568000.0, "future_profits": 256297809.54694974, "valuation_correction": -847649.0104513095, "limited_liability_put_option": 604657027.5743525, "fair_value": 960675188.1108509, "market_value": 372990314.6758919}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001400810.svg", "value": 0.863609542655264, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001400810.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001400810.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001400810.svg"}, {"company_id": "0001214816", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001214816.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 43, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Liabilities, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of AXIS Capital Holdings LTD is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 20% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 11% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001214816_2021_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"}, "2017": {"Separate Account Asset": "-0.409", "Assets": "9.89", "Liabilities": "-18.8", "Stockholders Equity": "-0.913", "ECR before LimitedLiability": "-8.02", "Premiums Receivable": "4.13", "Investments": "7.82", "Intangible Assets": "-0.281", "Other Assets": "-3.25", "Reinsurance Recoverables": "6.21", "Assets, Non-Current": "-0.469", "Claims Reserve and LAE": "-19.9", "Liabilities Current": "0.377", "Long Term Debt": "1.96", "Policyholder Contract Deposits": "1.29", "Reinsurance Payable": "-1.72", "Other Liabilities": "1.97", "Unearned Premiums": "-3.13", "Revenues": "0.174", "Other Revenues": "0.166", "Economic Capital Ratio": "-7.73"}, "2018": {"Assets, Non-Current": "-0.829", "Assets": "7.57", "Liabilities": "-13.3", "Stockholders Equity": "-3.17", "ECR before LimitedLiability": "-8.74", "Assets, Current": "0.346", "Intangible Assets": "-0.743", "Other Assets": "5.65", "Separate Account Asset": "-0.695", "Investments": "-0.346", "Premiums Receivable": "4.12", "Other Liabilities": "3.64", "Liabilities Current": "0.509", "Long Term Debt": "1.97", "Reinsurance Payable": "-2.77", "Unearned Premiums": "-2.40", "Policyholder Contract Deposits": "1.65", "Claims Reserve and LAE": "-16.8", "Economic Capital Ratio": "-8.40", "Other Revenues": "0.191", "Premiums Earned": "-0.204"}, "2019": {"Premiums Receivable": "4.13", "Assets": "5.15", "Liabilities": "-12.2", "Stockholders Equity": "-4.56", "ECR before LimitedLiability": "-9.96", "Investments": "4.32", "Assets, Non-Current": "-0.720", "Intangible Assets": "-0.348", "Separate Account Asset": "-0.693", "Other Assets": "-0.319", "Reinsurance Recoverables": "0.336", "Assets, Current": "-1.38", "Policyholder Contract Deposits": "1.71", "Reinsurance Payable": "-2.43", "Long Term Debt": "2.77", "Liabilities Current": "0.376", "Other Liabilities": "5.55", "Claims Reserve and LAE": "-18.1", "Unearned Premiums": "-3.62", "Economic Capital Ratio": "-9.36", "Premiums Earned": "-0.178"}, "2020": {"Intangible Assets": "-0.344", "Assets": "5.64", "Liabilities": "-11.8", "Stockholders Equity": "-3.86", "ECR before LimitedLiability": "-11.4", "Assets, Current": "-1.47", "Other Assets": "0.266", "Reinsurance Recoverables": "0.255", "Separate Account Asset": "-0.725", "Investments": "4.79", "Premiums Receivable": "3.57", "Assets, Non-Current": "-0.528", "Other Liabilities": "7.16", "Long Term Debt": "1.33", "Reinsurance Payable": "-1.53", "Claims Reserve and LAE": "-19.7", "Policyholder Contract Deposits": "2.22", "Liabilities Current": "0.353", "Unearned Premiums": "-3.67", "Economic Capital Ratio": "-10.7", "Premiums Earned": "-0.118"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "948,626", "Assets, Non-Current": "317,915", "Claims Reserve and LAE": "12,997,553", "Deferred Acquisition Costs Amortization": "845,149", "Deferred Policy Acquisition Costs": "474,061", "General and Administrative Expense": "578,785", "Insurance Commissions and Fees": "0", "Intangible Assets": "359,990", "Investment Income": "0", "Investments": "14,784,210", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "714,842", "Other Compr. Net Income": "165,276", "Other Expenses": "-58,241", "Other Liabilities": "1,880,897", "Other Net Income": "-7,583", "Other Revenues": "416,713", "Policyholder Benefits and Claims": "3,680,708", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,215,292", "Premiums Receivable": "3,012,419", "Reinsurance Payable": "899,064", "Reinsurance Recoverables": "4,148,114", "Revenues Y+1": "4,617,495", "Revenues Y+2": "4,632,195", "Revenues Y+3": "4,631,581", "Revenues Y+4": "4,632,068", "Revenues Y+5": "4,632,005", "Separate Account Asset": "0", "Unearned Premiums": "3,641,399"}, "output_variables": {"Assets": "24,760,177", "Liabilities": "19,418,913", "Expenses": "5,046,401", "Revenues": "4,632,005", "Stockholders Equity": "5,341,264", "Net Income": "-421,979", "Comprehensive Net Income": "-339,341", "BaseVar": "227,324,210", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2018": {"input_variables": {"Assets, Current": "1,232,814", "Assets, Non-Current": "285,346", "Claims Reserve and LAE": "12,280,769", "Deferred Acquisition Costs Amortization": "1,018,958", "Deferred Policy Acquisition Costs": "566,622", "General and Administrative Expense": "628,450", "Insurance Commissions and Fees": "0", "Intangible Assets": "343,571", "Investment Income": "0", "Investments": "13,155,560", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,527,784", "Other Compr. Net Income": "-33,012", "Other Expenses": "261,784", "Other Liabilities": "1,846,977", "Other Net Income": "-2,751", "Other Revenues": "328,791", "Policyholder Benefits and Claims": "3,167,753", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,912,810", "Premiums Receivable": "3,007,296", "Reinsurance Payable": "1,338,991", "Reinsurance Recoverables": "1,013,573", "Revenues Y+1": "5,230,118", "Revenues Y+2": "5,236,475", "Revenues Y+3": "5,241,626", "Revenues Y+4": "5,241,360", "Revenues Y+5": "5,241,601", "Separate Account Asset": "0", "Unearned Premiums": "3,635,758"}, "output_variables": {"Assets": "24,132,566", "Liabilities": "19,102,495", "Expenses": "5,076,945", "Revenues": "5,241,601", "Stockholders Equity": "5,030,071", "Net Income": "161,905", "Comprehensive Net Income": "145,399", "BaseVar": "204,555,867", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2019": {"input_variables": {"Assets, Current": "1,241,109", "Assets, Non-Current": "287,892", "Claims Reserve and LAE": "12,752,081", "Deferred Acquisition Costs Amortization": "1,044,776", "Deferred Policy Acquisition Costs": "492,119", "General and Administrative Expense": "635,007", "Insurance Commissions and Fees": "0", "Intangible Assets": "332,553", "Investment Income": "0", "Investments": "14,302,375", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,774,727", "Other Compr. Net Income": "11,113", "Other Expenses": "173,301", "Other Liabilities": "2,332,637", "Other Net Income": "10,187", "Other Revenues": "512,556", "Policyholder Benefits and Claims": "3,010,655", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,554,400", "Premiums Receivable": "3,071,390", "Reinsurance Payable": "1,349,082", "Reinsurance Recoverables": "1,101,889", "Revenues Y+1": "5,046,694", "Revenues Y+2": "5,076,544", "Revenues Y+3": "5,064,435", "Revenues Y+4": "5,068,326", "Revenues Y+5": "5,066,956", "Separate Account Asset": "0", "Unearned Premiums": "3,626,246"}, "output_variables": {"Assets": "25,604,054", "Liabilities": "20,060,046", "Expenses": "4,863,738", "Revenues": "5,066,956", "Stockholders Equity": "5,544,008", "Net Income": "213,405", "Comprehensive Net Income": "218,962", "BaseVar": "290,358,778", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "92%"}}, "2020": {"input_variables": {"Assets, Current": "902,831", "Assets, Non-Current": "305,544", "Claims Reserve and LAE": "13,926,766", "Deferred Acquisition Costs Amortization": "898,709", "Deferred Policy Acquisition Costs": "431,439", "General and Administrative Expense": "578,600", "Insurance Commissions and Fees": "0", "Intangible Assets": "320,434", "Investment Income": "0", "Investments": "14,258,796", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,725,846", "Other Compr. Net Income": "285,809", "Other Expenses": "166,128", "Other Liabilities": "1,877,299", "Other Net Income": "18", "Other Revenues": "500,913", "Policyholder Benefits and Claims": "3,334,181", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,335,515", "Premiums Receivable": "2,738,342", "Reinsurance Payable": "1,092,042", "Reinsurance Recoverables": "1,194,455", "Revenues Y+1": "4,851,955", "Revenues Y+2": "4,833,255", "Revenues Y+3": "4,837,680", "Revenues Y+4": "4,835,815", "Revenues Y+5": "4,836,428", "Separate Account Asset": "0", "Unearned Premiums": "3,685,886"}, "output_variables": {"Assets": "25,877,687", "Liabilities": "20,581,993", "Expenses": "4,977,618", "Revenues": "4,836,428", "Stockholders Equity": "5,295,694", "Net Income": "-141,171", "Comprehensive Net Income": "1,733", "BaseVar": "566,233,809", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 2647847000.0, "future_profits": 1137714951.2014964, "valuation_correction": 636984.133480219, "limited_liability_put_option": 17432652061.635426, "fair_value": 21218850996.9704, "market_value": 3678754019.3012695}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001214816.svg", "value": 0.8590698340976981, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001214816.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001214816.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001214816.svg"}, {"company_id": "0000004977", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000004977.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0000004977.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000004977.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000004977_256x256.png", "name": "Aflac INC", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0000004977.svg", "report_text": "The relative strengths and weaknesses of Aflac INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Aflac INC compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Aflac INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 47% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 11% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000004977_2021_Aflac_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-0.991", "Assets": "2.04", "Liabilities": "-5.71", "Stockholders Equity": "-2.98", "ECR before LimitedLiability": "-9.30", "Other Assets": "-5.58", "Reinsurance Recoverables": "-1.28", "Separate Account Asset": "-7.25", "Investments": "2.78", "Premiums Receivable": "-1.14", "Intangible Assets": "-0.887", "Deferred Policy Acquisition Costs": "2.05", "Claims Reserve and LAE": "2.16", "Other Liabilities": "-37.9", "Unearned Premiums": "1.18", "Long Term Debt": "1.74", "Liabilities Current": "0.614", "Policyholder Contract Deposits": "2.14", "Economic Capital Ratio": "-9.12", "Premiums Earned": "-0.382", "Other Revenues": "0.263"}, "2010": {"Deferred Policy Acquisition Costs": "2.83", "Assets": "2.85", "Liabilities": "-12.1", "Stockholders Equity": "-4.33", "ECR before LimitedLiability": "-10.0", "Assets, Current": "-0.340", "Investments": "3.78", "Intangible Assets": "-0.811", "Assets, Non-Current": "-0.514", "Separate Account Asset": "-3.63", "Premiums Receivable": "-1.23", "Reinsurance Recoverables": "-1.57", "Other Assets": "-7.62", "Liabilities Current": "0.309", "Other Liabilities": "-37.9", "Unearned Premiums": "2.39", "Long Term Debt": "1.05", "Policyholder Contract Deposits": "2.44", "Claims Reserve and LAE": "2.97", "Economic Capital Ratio": "-9.89", "Other Revenues": "0.337"}, "2011": {"Reinsurance Recoverables": "-1.90", "Assets": "4.31", "Liabilities": "-15.3", "Stockholders Equity": "-3.88", "ECR before LimitedLiability": "-10.6", "Intangible Assets": "-0.576", "Assets, Non-Current": "-0.454", "Other Assets": "-5.26", "Separate Account Asset": "-3.31", "Assets, Current": "-1.27", "Premiums Receivable": "-1.30", "Deferred Policy Acquisition Costs": "3.48", "Investments": "5.22", "Long Term Debt": "1.16", "Other Liabilities": "-34.6", "Unearned Premiums": "3.69", "Policyholder Contract Deposits": "0.393", "Claims Reserve and LAE": "4.27", "Reinsurance Payable": "0.391", "Economic Capital Ratio": "-10.4", "Other Revenues": "0.293"}, "2012": {"Assets, Current": "-1.52", "Assets": "4.87", "Liabilities": "-15.6", "Stockholders Equity": "-2.99", "ECR before LimitedLiability": "-9.97", "Separate Account Asset": "-3.37", "Other Assets": "-4.28", "Deferred Policy Acquisition Costs": "2.89", "Intangible Assets": "-0.568", "Reinsurance Recoverables": "-1.82", "Assets, Non-Current": "-0.364", "Investments": "5.79", "Premiums Receivable": "-1.18", "Reinsurance Payable": "0.403", "Other Liabilities": "-32.0", "Claims Reserve and LAE": "4.80", "Unearned Premiums": "3.67", "Long Term Debt": "1.17", "Policyholder Contract Deposits": "-1.48", "Liabilities Current": "0.240", "Economic Capital Ratio": "-9.80"}, "2013": {"Intangible Assets": "-0.625", "Assets": "3.84", "Liabilities": "-11.4", "Stockholders Equity": "-4.44", "ECR before LimitedLiability": "-10.3", "Assets, Current": "-1.90", "Reinsurance Recoverables": "-1.75", "Separate Account Asset": "-3.93", "Investments": "4.87", "Other Assets": "-6.89", "Premiums Receivable": "-1.40", "Deferred Policy Acquisition Costs": "2.75", "Liabilities Current": "0.263", "Long Term Debt": "1.66", "Reinsurance Payable": "0.393", "Claims Reserve and LAE": "3.91", "Other Liabilities": "-32.2", "Policyholder Contract Deposits": "2.73", "Economic Capital Ratio": "-10.0", "Other Revenues": "0.316", "Premiums Earned": "-0.178"}, "2014": {"Investments": "7.63", "Assets": "6.23", "Liabilities": "-18.2", "Stockholders Equity": "-5.33", "ECR before LimitedLiability": "-11.7", "Other Assets": "-7.95", "Separate Account Asset": "-1.82", "Assets, Current": "-2.62", "Intangible Assets": "-0.617", "Deferred Policy Acquisition Costs": "2.67", "Premiums Receivable": "-1.45", "Reinsurance Recoverables": "-1.59", "Other Liabilities": "-37.0", "Long Term Debt": "1.51", "Policyholder Contract Deposits": "-1.36", "Reinsurance Payable": "0.767", "Unearned Premiums": "0.917", "Claims Reserve and LAE": "6.23", "Liabilities Current": "0.326", "Economic Capital Ratio": "-11.3", "Other Revenues": "0.264"}, "2015": {"Separate Account Asset": "-1.47", "Assets": "6.09", "Liabilities": "-21.0", "Stockholders Equity": "-4.07", "ECR before LimitedLiability": "-11.6", "Other Assets": "-6.70", "Assets, Current": "-1.90", "Premiums Receivable": "-1.39", "Investments": "7.36", "Deferred Policy Acquisition Costs": "2.74", "Reinsurance Recoverables": "-1.28", "Intangible Assets": "-0.431", "Policyholder Contract Deposits": "-0.311", "Long Term Debt": "1.64", "Other Liabilities": "-42.9", "Claims Reserve and LAE": "6.00", "Reinsurance Payable": "0.686", "Unearned Premiums": "0.759", "Liabilities Current": "0.281", "Economic Capital Ratio": "-11.3", "Other Revenues": "0.229"}, "2018": {"Assets": "7.09", "Liabilities": "-27.3", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-11.1", "Reinsurance Recoverables": "-1.50", "Assets, Current": "-1.54", "Intangible Assets": "-1.06", "Deferred Policy Acquisition Costs": "2.68", "Other Assets": "-2.44", "Separate Account Asset": "-0.527", "Investments": "8.02", "Premiums Receivable": "-1.22", "Other Liabilities": "-50.4", "Liabilities Current": "0.365", "Long Term Debt": "1.42", "Reinsurance Payable": "0.426", "Unearned Premiums": "2.62", "Policyholder Contract Deposits": "-1.76", "Claims Reserve and LAE": "6.59", "Economic Capital Ratio": "-10.8", "Other Revenues": "0.282"}, "2019": {"Premiums Receivable": "-1.07", "Assets": "8.90", "Liabilities": "-24.7", "Stockholders Equity": "-2.12", "ECR before LimitedLiability": "-11.5", "Deferred Policy Acquisition Costs": "2.55", "Investments": "10.5", "Intangible Assets": "-0.732", "Separate Account Asset": "-0.533", "Other Assets": "-6.18", "Reinsurance Recoverables": "-1.28", "Assets, Current": "-2.73", "Policyholder Contract Deposits": "-1.54", "Reinsurance Payable": "0.574", "Long Term Debt": "2.06", "Liabilities Current": "0.279", "Other Liabilities": "-46.1", "Claims Reserve and LAE": "8.68", "Unearned Premiums": "2.03", "Economic Capital Ratio": "-10.9", "Other Revenues": "0.235"}, "2020": {"Intangible Assets": "-0.604", "Assets": "10.7", "Liabilities": "-28.1", "Stockholders Equity": "1.15", "ECR before LimitedLiability": "-11.6", "Assets, Current": "-0.585", "Other Assets": "-7.12", "Deferred Policy Acquisition Costs": "2.51", "Reinsurance Recoverables": "-1.24", "Separate Account Asset": "-0.477", "Investments": "12.7", "Premiums Receivable": "-0.807", "Assets, Non-Current": "0.236", "Other Liabilities": "-47.0", "Long Term Debt": "0.870", "Reinsurance Payable": "0.643", "Claims Reserve and LAE": "8.94", "Policyholder Contract Deposits": "-1.34", "Liabilities Current": "0.231", "Unearned Premiums": "1.87", "Economic Capital Ratio": "-10.9"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0000004977_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "2,323,000", "Assets, Non-Current": "968,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "942,000", "Deferred Policy Acquisition Costs": "8,533,000", "General and Administrative Expense": "3,697,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "1,553,000", "Investments": "73,192,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-1,674,000", "Other Compr. Net Income": "0", "Other Expenses": "810,000", "Other Liabilities": "71,215,000", "Other Net Income": "0", "Other Revenues": "80,000", "Policyholder Benefits and Claims": "11,308,000", "Policyholder Contract Deposits": "3,548,000", "Premiums Earned": "16,621,000", "Premiums Receivable": "764,000", "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": "926,000"}, "output_variables": {"Assets": "84,106,000", "Liabilities": "75,689,000", "Expenses": "16,757,000", "Revenues": "18,254,000", "Stockholders Equity": "8,417,000", "Net Income": "1,497,000", "Comprehensive Net Income": "1,497,000", "BaseVar": "567,515,884", "ECR before LimitedLiability": "2.1%", "Economic Capital Ratio": "78%"}}, "2010": {"input_variables": {"Assets, Current": "2,121,000", "Assets, Non-Current": "1,676,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,030,000", "Deferred Policy Acquisition Costs": "9,734,000", "General and Administrative Expense": "3,862,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "2,585,000", "Investments": "88,230,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-1,383,000", "Other Compr. Net Income": "973,000", "Other Expenses": "1,390,000", "Other Liabilities": "83,349,000", "Other Net Income": "0", "Other Revenues": "74,000", "Policyholder Benefits and Claims": "12,106,000", "Policyholder Contract Deposits": "5,437,000", "Premiums Earned": "18,073,000", "Premiums Receivable": "661,000", "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": "1,197,000"}, "output_variables": {"Assets": "101,039,000", "Liabilities": "89,983,000", "Expenses": "18,388,000", "Revenues": "20,732,000", "Stockholders Equity": "11,056,000", "Net Income": "2,344,000", "Comprehensive Net Income": "2,830,500", "BaseVar": "704,827,109", "ECR before LimitedLiability": "2.8%", "Economic Capital Ratio": "78%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,504,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,102,000", "Deferred Policy Acquisition Costs": "10,654,000", "General and Administrative Expense": "4,132,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,280,000", "Investments": "103,462,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "802,000", "Other Compr. Net Income": "1,228,000", "Other Expenses": "1,224,000", "Other Liabilities": "92,262,000", "Other Net Income": "0", "Other Revenues": "-1,471,000", "Policyholder Benefits and Claims": "13,749,000", "Policyholder Contract Deposits": "9,630,000", "Premiums Earned": "20,362,000", "Premiums Receivable": "680,000", "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": "1,704,000"}, "output_variables": {"Assets": "117,102,000", "Liabilities": "103,596,000", "Expenses": "20,207,000", "Revenues": "22,171,000", "Stockholders Equity": "13,506,000", "Net Income": "1,964,000", "Comprehensive Net Income": "2,578,000", "BaseVar": "1,211,510,616", "ECR before LimitedLiability": "4.3%", "Economic Capital Ratio": "80%"}}, "2012": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,399,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,118,673", "Deferred Policy Acquisition Costs": "9,658,000", "General and Administrative Expense": "4,366,153", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,758,791", "Investments": "118,219,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "842,000", "Other Compr. Net Income": "681,867", "Other Expenses": "1,889,064", "Other Liabilities": "97,664,000", "Other Net Income": "0", "Other Revenues": "-942,527", "Policyholder Benefits and Claims": "15,502,879", "Policyholder Contract Deposits": "15,294,000", "Premiums Earned": "22,371,526", "Premiums Receivable": "976,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "24,735,389", "Revenues Y+2": "25,570,159", "Revenues Y+3": "25,042,513", "Revenues Y+4": "25,520,555", "Revenues Y+5": "25,187,789", "Separate Account Asset": "0", "Unearned Premiums": "2,158,000"}, "output_variables": {"Assets": "131,094,000", "Liabilities": "115,116,000", "Expenses": "22,876,768", "Revenues": "25,187,789", "Stockholders Equity": "15,978,000", "Net Income": "2,311,021", "Comprehensive Net Income": "2,651,954", "BaseVar": "1,540,152,236", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2013": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,087,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,069,245", "Deferred Policy Acquisition Costs": "8,798,000", "General and Administrative Expense": "3,923,583", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,039,411", "Investments": "108,459,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "798,000", "Other Compr. Net Income": "-23,309,086", "Other Expenses": "2,077,728", "Other Liabilities": "90,184,000", "Other Net Income": "0", "Other Revenues": "361,367", "Policyholder Benefits and Claims": "13,683,253", "Policyholder Contract Deposits": "5,861,000", "Premiums Earned": "19,917,625", "Premiums Receivable": "1,165,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "23,448,209", "Revenues Y+2": "23,408,022", "Revenues Y+3": "23,355,396", "Revenues Y+4": "23,333,677", "Revenues Y+5": "23,318,403", "Separate Account Asset": "0", "Unearned Premiums": "10,642,000"}, "output_variables": {"Assets": "121,307,000", "Liabilities": "106,687,000", "Expenses": "20,753,808", "Revenues": "23,318,403", "Stockholders Equity": "14,620,000", "Net Income": "2,564,595", "Comprehensive Net Income": "-9,089,948", "BaseVar": "1,275,743,500", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2014": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,549,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,111,684", "Deferred Policy Acquisition Costs": "8,273,000", "General and Administrative Expense": "3,871,679", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,354,873", "Investments": "107,341,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "762,000", "Other Compr. Net Income": "-3,264,571", "Other Expenses": "1,816,988", "Other Liabilities": "86,763,000", "Other Net Income": "0", "Other Revenues": "370,673", "Policyholder Benefits and Claims": "12,853,287", "Policyholder Contract Deposits": "6,031,000", "Premiums Earned": "18,949,330", "Premiums Receivable": "842,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "22,675,313", "Revenues Y+2": "22,663,271", "Revenues Y+3": "22,670,086", "Revenues Y+4": "22,672,742", "Revenues Y+5": "22,674,876", "Separate Account Asset": "0", "Unearned Premiums": "8,626,000"}, "output_variables": {"Assets": "119,767,000", "Liabilities": "101,420,000", "Expenses": "19,653,638", "Revenues": "22,674,876", "Stockholders Equity": "18,347,000", "Net Income": "3,021,239", "Comprehensive Net Income": "1,388,953", "BaseVar": "1,142,111,250", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "89%"}}, "2015": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,415,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,061,537", "Deferred Policy Acquisition Costs": "8,511,000", "General and Administrative Expense": "3,910,654", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "2,882,257", "Investments": "105,897,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "768,000", "Other Compr. Net Income": "1,284,044", "Other Expenses": "1,508,877", "Other Liabilities": "86,446,000", "Other Net Income": "0", "Other Revenues": "198,979", "Policyholder Benefits and Claims": "11,621,900", "Policyholder Contract Deposits": "6,285,000", "Premiums Earned": "17,387,146", "Premiums Receivable": "705,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "20,638,321", "Revenues Y+2": "20,545,728", "Revenues Y+3": "20,506,578", "Revenues Y+4": "20,482,358", "Revenues Y+5": "20,468,382", "Separate Account Asset": "0", "Unearned Premiums": "7,857,000"}, "output_variables": {"Assets": "118,296,000", "Liabilities": "100,588,000", "Expenses": "18,102,968", "Revenues": "20,468,382", "Stockholders Equity": "17,708,000", "Net Income": "2,365,415", "Comprehensive Net Income": "3,007,436", "BaseVar": "999,071,331", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "92%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,664,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,263,978", "Deferred Policy Acquisition Costs": "9,875,000", "General and Administrative Expense": "4,327,406", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,856,466", "Investments": "126,243,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "773,000", "Other Compr. Net Income": "-1,766,443", "Other Expenses": "1,141,916", "Other Liabilities": "104,708,000", "Other Net Income": "0", "Other Revenues": "-262,196", "Policyholder Benefits and Claims": "12,026,167", "Policyholder Contract Deposits": "7,146,000", "Premiums Earned": "18,810,608", "Premiums Receivable": "851,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "22,180,718", "Revenues Y+2": "22,273,568", "Revenues Y+3": "22,345,387", "Revenues Y+4": "22,382,015", "Revenues Y+5": "22,404,878", "Separate Account Asset": "0", "Unearned Premiums": "5,090,000"}, "output_variables": {"Assets": "140,406,000", "Liabilities": "116,944,000", "Expenses": "18,759,467", "Revenues": "22,404,878", "Stockholders Equity": "23,462,000", "Net Income": "3,645,411", "Comprehensive Net Income": "2,762,190", "BaseVar": "887,169,481", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "2,949,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,286,095", "Deferred Policy Acquisition Costs": "10,128,000", "General and Administrative Expense": "4,415,226", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,759,448", "Investments": "138,091,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "772,000", "Other Compr. Net Income": "1,116,692", "Other Expenses": "1,398,440", "Other Liabilities": "112,249,000", "Other Net Income": "0", "Other Revenues": "-113,221", "Policyholder Benefits and Claims": "11,936,036", "Policyholder Contract Deposits": "7,317,000", "Premiums Earned": "18,792,424", "Premiums Receivable": "828,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "22,320,521", "Revenues Y+2": "22,388,487", "Revenues Y+3": "22,411,597", "Revenues Y+4": "22,429,269", "Revenues Y+5": "22,438,651", "Separate Account Asset": "0", "Unearned Premiums": "4,243,000"}, "output_variables": {"Assets": "152,768,000", "Liabilities": "123,809,000", "Expenses": "19,035,796", "Revenues": "22,438,651", "Stockholders Equity": "28,959,000", "Net Income": "3,402,855", "Comprehensive Net Income": "3,961,202", "BaseVar": "1,283,211,604", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2020": {"input_variables": {"Assets, Current": "5,141,000", "Assets, Non-Current": "3,316,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "1,206,710", "Deferred Policy Acquisition Costs": "10,441,000", "General and Administrative Expense": "4,753,537", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,717,868", "Investments": "149,753,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "-4,361,000", "Other Compr. Net Income": "2,727,393", "Other Expenses": "-710,122", "Other Liabilities": "120,106,000", "Other Net Income": "0", "Other Revenues": "-100,596", "Policyholder Benefits and Claims": "11,780,975", "Policyholder Contract Deposits": "7,824,000", "Premiums Earned": "18,602,954", "Premiums Receivable": "796,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "22,180,826", "Revenues Y+2": "22,195,938", "Revenues Y+3": "22,208,963", "Revenues Y+4": "22,215,918", "Revenues Y+5": "22,220,226", "Separate Account Asset": "0", "Unearned Premiums": "3,597,000"}, "output_variables": {"Assets": "165,086,000", "Liabilities": "131,527,000", "Expenses": "17,031,101", "Revenues": "22,220,226", "Stockholders Equity": "33,559,000", "Net Income": "5,189,125", "Comprehensive Net Income": "6,552,822", "BaseVar": "2,405,226,892", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "101%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 16779500000.0, "future_profits": 23192233783.175808, "valuation_correction": -2429427.8133952045, "limited_liability_put_option": 109876887130.87227, "fair_value": 149846191486.23468, "market_value": 27144185394.193096}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000004977.svg", "value": 0.8574766133419152, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000004977.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000004977.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000004977.svg"}, {"company_id": "0000021175", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000021175.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 45, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 11% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000021175_2021_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"}, "2017": {"Separate Account Asset": "-0.345", "Assets": "10.1", "Liabilities": "-25.2", "Stockholders Equity": "1.11", "ECR before LimitedLiability": "-8.14", "Premiums Receivable": "0.357", "Investments": "10.6", "Intangible Assets": "-0.686", "Assets, Current": "-1.40", "Other Assets": "-3.12", "Reinsurance Recoverables": "1.75", "Claims Reserve and LAE": "-28.0", "Liabilities Current": "0.318", "Long Term Debt": "-1.21", "Policyholder Contract Deposits": "1.09", "Reinsurance Payable": "0.401", "Other Liabilities": "0.837", "Unearned Premiums": "0.576", "Economic Capital Ratio": "-7.85", "Other Expenses": "0.555", "Policyholder Benefits and Claims": "-0.391"}, "2018": {"Assets": "8.39", "Liabilities": "-20.6", "Stockholders Equity": "-1.67", "ECR before LimitedLiability": "-9.44", "Reinsurance Recoverables": "2.03", "Assets, Current": "-1.74", "Intangible Assets": "-1.08", "Deferred Policy Acquisition Costs": "-0.394", "Separate Account Asset": "-0.595", "Investments": "8.48", "Premiums Receivable": "0.209", "Other Liabilities": "0.267", "Liabilities Current": "0.428", "Long Term Debt": "-1.10", "Reinsurance Payable": "0.499", "Unearned Premiums": "1.24", "Policyholder Contract Deposits": "1.39", "Claims Reserve and LAE": "-24.3", "Economic Capital Ratio": "-9.10", "Other Expenses": "0.667", "Policyholder Benefits and Claims": "-0.428"}, "2019": {"Premiums Receivable": "0.389", "Assets": "9.30", "Liabilities": "-19.0", "Stockholders Equity": "-3.20", "ECR before LimitedLiability": "-10.9", "Deferred Policy Acquisition Costs": "-0.271", "Investments": "9.71", "Assets, Non-Current": "0.280", "Intangible Assets": "-0.717", "Separate Account Asset": "-0.605", "Other Assets": "-4.73", "Reinsurance Recoverables": "1.84", "Assets, Current": "-3.08", "Policyholder Contract Deposits": "1.46", "Reinsurance Payable": "0.662", "Liabilities Current": "0.321", "Other Liabilities": "2.62", "Claims Reserve and LAE": "-25.3", "Economic Capital Ratio": "-10.3", "Policyholder Benefits and Claims": "-0.255", "Other Expenses": "0.461"}, "2020": {"Intangible Assets": "-0.702", "Assets": "9.93", "Liabilities": "-17.6", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-11.8", "Assets, Current": "-2.66", "Other Assets": "-5.57", "Deferred Policy Acquisition Costs": "-0.238", "Reinsurance Recoverables": "1.64", "Separate Account Asset": "-0.639", "Investments": "10.3", "Premiums Receivable": "0.528", "Assets, Non-Current": "0.434", "Other Liabilities": "3.44", "Long Term Debt": "-1.40", "Reinsurance Payable": "0.857", "Claims Reserve and LAE": "-23.9", "Policyholder Contract Deposits": "1.95", "Liabilities Current": "0.309", "Unearned Premiums": "-0.464", "Economic Capital Ratio": "-11.1"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,459,000", "Claims Reserve and LAE": "33,183,000", "Deferred Acquisition Costs Amortization": "1,232,726", "Deferred Policy Acquisition Costs": "634,000", "General and Administrative Expense": "1,526,508", "Insurance Commissions and Fees": "0", "Intangible Assets": "148,000", "Investment Income": "0", "Investments": "46,870,000", "Liabilities Current": "0", "Long Term Debt": "2,708,000", "Other Assets": "903,000", "Other Compr. Net Income": "186,266", "Other Expenses": "5,870,019", "Other Liabilities": "4,403,000", "Other Net Income": "0", "Other Revenues": "2,541,491", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "6,985,521", "Premiums Receivable": "2,292,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,261,000", "Revenues Y+1": "9,525,339", "Revenues Y+2": "9,527,214", "Revenues Y+3": "9,526,987", "Revenues Y+4": "9,527,015", "Revenues Y+5": "9,527,012", "Separate Account Asset": "0", "Unearned Premiums": "4,029,000"}, "output_variables": {"Assets": "56,567,000", "Liabilities": "44,323,000", "Expenses": "8,629,252", "Revenues": "9,527,012", "Stockholders Equity": "12,244,000", "Net Income": "897,759", "Comprehensive Net Income": "990,892", "BaseVar": "432,581,048", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,532,000", "Claims Reserve and LAE": "32,581,000", "Deferred Acquisition Costs Amortization": "1,348,966", "Deferred Policy Acquisition Costs": "633,000", "General and Administrative Expense": "1,180,262", "Insurance Commissions and Fees": "0", "Intangible Assets": "146,000", "Investment Income": "0", "Investments": "44,486,000", "Liabilities Current": "0", "Long Term Debt": "2,680,000", "Other Assets": "3,606,000", "Other Compr. Net Income": "-533,049", "Other Expenses": "6,720,368", "Other Liabilities": "6,491,000", "Other Net Income": "0", "Other Revenues": "2,793,128", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "7,299,571", "Premiums Receivable": "2,323,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,426,000", "Revenues Y+1": "10,088,718", "Revenues Y+2": "10,093,140", "Revenues Y+3": "10,092,648", "Revenues Y+4": "10,092,706", "Revenues Y+5": "10,092,699", "Separate Account Asset": "0", "Unearned Premiums": "4,183,000"}, "output_variables": {"Assets": "57,152,000", "Liabilities": "45,935,000", "Expenses": "9,249,596", "Revenues": "10,092,699", "Stockholders Equity": "11,217,000", "Net Income": "843,103", "Comprehensive Net Income": "576,579", "BaseVar": "402,697,985", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,755,000", "Claims Reserve and LAE": "34,031,000", "Deferred Acquisition Costs Amortization": "1,389,692", "Deferred Policy Acquisition Costs": "662,000", "General and Administrative Expense": "1,137,568", "Insurance Commissions and Fees": "0", "Intangible Assets": "147,000", "Investment Income": "0", "Investments": "47,744,000", "Liabilities Current": "0", "Long Term Debt": "2,679,000", "Other Assets": "3,676,000", "Other Compr. Net Income": "-746,690", "Other Expenses": "7,003,886", "Other Liabilities": "7,104,000", "Other Net Income": "0", "Other Revenues": "2,260,232", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "8,549,540", "Premiums Receivable": "2,449,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,179,000", "Revenues Y+1": "10,820,544", "Revenues Y+2": "10,808,045", "Revenues Y+3": "10,810,023", "Revenues Y+4": "10,809,729", "Revenues Y+5": "10,809,772", "Separate Account Asset": "0", "Unearned Premiums": "4,583,000"}, "output_variables": {"Assets": "60,612,000", "Liabilities": "48,397,000", "Expenses": "9,531,147", "Revenues": "10,809,772", "Stockholders Equity": "12,215,000", "Net Income": "1,278,625", "Comprehensive Net Income": "905,280", "BaseVar": "621,375,713", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,880,000", "Claims Reserve and LAE": "36,024,000", "Deferred Acquisition Costs Amortization": "1,413,783", "Deferred Policy Acquisition Costs": "708,000", "General and Administrative Expense": "1,124,812", "Insurance Commissions and Fees": "0", "Intangible Assets": "148,000", "Investment Income": "0", "Investments": "50,293,000", "Liabilities Current": "0", "Long Term Debt": "2,776,000", "Other Assets": "3,933,000", "Other Compr. Net Income": "737,379", "Other Expenses": "7,547,550", "Other Liabilities": "7,400,000", "Other Net Income": "0", "Other Revenues": "1,934,256", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "8,893,830", "Premiums Receivable": "2,607,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,457,000", "Revenues Y+1": "10,830,964", "Revenues Y+2": "10,827,748", "Revenues Y+3": "10,828,123", "Revenues Y+4": "10,828,081", "Revenues Y+5": "10,828,085", "Separate Account Asset": "0", "Unearned Premiums": "5,119,000"}, "output_variables": {"Assets": "64,026,000", "Liabilities": "51,319,000", "Expenses": "10,086,145", "Revenues": "10,828,085", "Stockholders Equity": "12,707,000", "Net Income": "741,941", "Comprehensive Net Income": "1,110,630", "BaseVar": "1,221,737,496", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "93%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 6353500000.0, "future_profits": 3933924855.0861173, "valuation_correction": 135879.12477644178, "limited_liability_put_option": 43216607019.64942, "fair_value": 53504167753.86031, "market_value": 6842637992.468048}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000021175.svg", "value": 0.8551846174043916, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000021175.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000021175.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000021175.svg"}, {"company_id": "0001598665", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001598665.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 46, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Heritage Insurance Holdings Inc 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 85%, being 11% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001598665_2021_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"}, "2017": {"Assets": "9.51", "Liabilities": "-32.0", "Stockholders Equity": "2.92", "ECR before LimitedLiability": "-9.65", "Premiums Receivable": "0.537", "Investments": "-12.3", "Intangible Assets": "6.76", "Assets, Current": "3.09", "Other Assets": "8.37", "Deferred Policy Acquisition Costs": "0.540", "Reinsurance Recoverables": "8.40", "Claims Reserve and LAE": "-6.55", "Long Term Debt": "-5.07", "Policyholder Contract Deposits": "0.896", "Other Liabilities": "-3.86", "Unearned Premiums": "-13.3", "Other Expenses": "-1.48", "Expenses": "-1.01", "Revenues": "-0.402", "Premiums Earned": "-0.604", "Economic Capital Ratio": "-9.36"}, "2018": {"Assets": "9.51", "Liabilities": "-24.0", "Stockholders Equity": "2.55", "ECR before LimitedLiability": "-8.64", "Reinsurance Recoverables": "9.17", "Assets, Current": "5.62", "Intangible Assets": "5.53", "Deferred Policy Acquisition Costs": "1.20", "Other Assets": "9.15", "Investments": "-15.0", "Other Liabilities": "1.90", "Long Term Debt": "-3.79", "Reinsurance Payable": "-5.59", "Unearned Premiums": "-12.5", "Policyholder Contract Deposits": "1.24", "Claims Reserve and LAE": "-3.65", "Expenses": "-1.13", "Other Expenses": "-1.51", "Revenues": "-0.513", "Premiums Earned": "-0.751", "Economic Capital Ratio": "-8.31"}, "2019": {"Assets": "10.1", "Liabilities": "-24.4", "Stockholders Equity": "0.799", "ECR before LimitedLiability": "-10.4", "Deferred Policy Acquisition Costs": "1.25", "Investments": "-1.45", "Intangible Assets": "5.03", "Separate Account Asset": "-0.498", "Other Assets": "-5.53", "Reinsurance Recoverables": "9.91", "Assets, Current": "4.12", "Policyholder Contract Deposits": "1.25", "Reinsurance Payable": "-4.49", "Long Term Debt": "-2.04", "Other Liabilities": "4.71", "Claims Reserve and LAE": "-9.87", "Unearned Premiums": "-12.7", "Expenses": "-0.798", "Other Expenses": "-1.16", "Policyholder Benefits and Claims": "-0.496", "Economic Capital Ratio": "-9.81"}, "2020": {"Intangible Assets": "4.42", "Assets": "10.1", "Liabilities": "-23.1", "Expenses": "-0.510", "ECR before LimitedLiability": "-11.8", "Assets, Current": "8.54", "Other Assets": "-6.10", "Deferred Policy Acquisition Costs": "1.40", "Reinsurance Recoverables": "9.92", "Separate Account Asset": "-0.542", "Investments": "-2.62", "Premiums Receivable": "0.568", "Other Liabilities": "4.86", "Long Term Debt": "-2.50", "Reinsurance Payable": "-4.00", "Claims Reserve and LAE": "-8.37", "Policyholder Contract Deposits": "1.68", "Unearned Premiums": "-13.9", "Policyholder Benefits and Claims": "-0.479", "Other Expenses": "-0.763", "Economic Capital Ratio": "-11.2"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "153,697", "Assets, Non-Current": "38,631", "Claims Reserve and LAE": "470,083", "Deferred Acquisition Costs Amortization": "83,339", "Deferred Policy Acquisition Costs": "41,678", "General and Administrative Expense": "84,951", "Insurance Commissions and Fees": "0", "Intangible Assets": "254,085", "Investment Income": "13,618", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "184,405", "Other Assets": "630,241", "Other Compr. Net Income": "630", "Other Expenses": "-2,198,866", "Other Liabilities": "243,995", "Other Net Income": "-42,217", "Other Revenues": "15,029", "Policyholder Benefits and Claims": "185,694", "Policyholder Contract Deposits": "0", "Premiums Earned": "346,642", "Premiums Receivable": "67,757", "Reinsurance Payable": "17,577", "Reinsurance Recoverables": "585,121", "Revenues Y+1": "390,652", "Revenues Y+2": "382,589", "Revenues Y+3": "378,477", "Revenues Y+4": "376,371", "Revenues Y+5": "375,289", "Separate Account Asset": "0", "Unearned Premiums": "475,334"}, "output_variables": {"Assets": "1,771,210", "Liabilities": "1,391,394", "Expenses": "-1,844,882", "Revenues": "375,289", "Stockholders Equity": "379,816", "Net Income": "2,177,954", "Comprehensive Net Income": "2,178,269", "BaseVar": "48,727,515", "ECR before LimitedLiability": "487%", "Economic Capital Ratio": "487%"}}, "2018": {"input_variables": {"Assets, Current": "250,117", "Assets, Non-Current": "29,819", "Claims Reserve and LAE": "432,359", "Deferred Acquisition Costs Amortization": "-93,507", "Deferred Policy Acquisition Costs": "73,055", "General and Administrative Expense": "111,738", "Insurance Commissions and Fees": "0", "Intangible Assets": "229,309", "Investment Income": "15,658", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "148,794", "Other Assets": "578,412", "Other Compr. Net Income": "-1,160", "Other Expenses": "-296,884", "Other Liabilities": "122,895", "Other Net Income": "-27,354", "Other Revenues": "11,561", "Policyholder Benefits and Claims": "247,328", "Policyholder Contract Deposits": "0", "Premiums Earned": "520,388", "Premiums Receivable": "57,000", "Reinsurance Payable": "166,975", "Reinsurance Recoverables": "551,001", "Revenues Y+1": "515,980", "Revenues Y+2": "533,300", "Revenues Y+3": "541,650", "Revenues Y+4": "545,671", "Revenues Y+5": "547,608", "Separate Account Asset": "0", "Unearned Premiums": "472,357"}, "output_variables": {"Assets": "1,768,713", "Liabilities": "1,343,380", "Expenses": "-31,325", "Revenues": "547,608", "Stockholders Equity": "425,333", "Net Income": "551,579", "Comprehensive Net Income": "550,999", "BaseVar": "12,288,315", "ECR before LimitedLiability": "130%", "Economic Capital Ratio": "177%"}}, "2019": {"input_variables": {"Assets, Current": "268,351", "Assets, Non-Current": "38,863", "Claims Reserve and LAE": "613,533", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "77,211", "General and Administrative Expense": "74,407", "Insurance Commissions and Fees": "0", "Intangible Assets": "221,101", "Investment Income": "15,849", "Investments": "595,249", "Liabilities Current": "0", "Long Term Debt": "129,248", "Other Assets": "22,205", "Other Compr. Net Income": "-3,271", "Other Expenses": "-330,507", "Other Liabilities": "105,519", "Other Net Income": "-2,844", "Other Revenues": "19,028", "Policyholder Benefits and Claims": "285,884", "Policyholder Contract Deposits": "0", "Premiums Earned": "499,665", "Premiums Receivable": "63,685", "Reinsurance Payable": "156,351", "Reinsurance Recoverables": "653,005", "Revenues Y+1": "524,143", "Revenues Y+2": "529,947", "Revenues Y+3": "532,656", "Revenues Y+4": "533,935", "Revenues Y+5": "534,543", "Separate Account Asset": "0", "Unearned Premiums": "486,220"}, "output_variables": {"Assets": "1,939,670", "Liabilities": "1,490,871", "Expenses": "29,784", "Revenues": "534,543", "Stockholders Equity": "448,799", "Net Income": "501,914", "Comprehensive Net Income": "500,279", "BaseVar": "17,049,732", "ECR before LimitedLiability": "113%", "Economic Capital Ratio": "166%"}}, "2020": {"input_variables": {"Assets, Current": "440,956", "Assets, Non-Current": "36,689", "Claims Reserve and LAE": "659,341", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "89,265", "General and Administrative Expense": "82,246", "Insurance Commissions and Fees": "0", "Intangible Assets": "214,736", "Investment Income": "10,218", "Investments": "589,019", "Liabilities Current": "0", "Long Term Debt": "120,998", "Other Assets": "40,388", "Other Compr. Net Income": "13,636", "Other Expenses": "-450,075", "Other Liabilities": "135,160", "Other Net Income": "-12", "Other Revenues": "72,636", "Policyholder Benefits and Claims": "438,023", "Policyholder Contract Deposits": "0", "Premiums Earned": "604,673", "Premiums Receivable": "77,471", "Reinsurance Payable": "161,918", "Reinsurance Recoverables": "600,855", "Revenues Y+1": "637,054", "Revenues Y+2": "661,009", "Revenues Y+3": "674,615", "Revenues Y+4": "682,631", "Revenues Y+5": "687,527", "Separate Account Asset": "0", "Unearned Premiums": "569,618"}, "output_variables": {"Assets": "2,089,379", "Liabilities": "1,647,035", "Expenses": "70,194", "Revenues": "687,527", "Stockholders Equity": "442,344", "Net Income": "617,320", "Comprehensive Net Income": "624,138", "BaseVar": "43,339,668", "ECR before LimitedLiability": "127%", "Economic Capital Ratio": "175%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 221172000.0, "future_profits": 2147555882.4345155, "valuation_correction": -2175696.8021172066, "limited_liability_put_option": 903439209.6355653, "fair_value": 3269991395.2679634, "market_value": 271382996.03744936}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001598665.svg", "value": 0.8547505648410461, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001598665.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001598665.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001598665.svg"}, {"company_id": "0001412100", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001412100.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 47, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Maiden Holdings Ltd is the variable Liabilities, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 12% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001412100_2021_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"}, "2017": {"Separate Account Asset": "-0.892", "Assets": "-20.7", "Liabilities": "7.97", "Stockholders Equity": "-16.4", "ECR before LimitedLiability": "-10.00", "Premiums Receivable": "-1.55", "Investments": "-8.36", "Intangible Assets": "-2.07", "Assets, Current": "-3.10", "Other Assets": "-6.87", "Deferred Policy Acquisition Costs": "1.34", "Reinsurance Recoverables": "-3.80", "Assets, Non-Current": "-1.45", "Claims Reserve and LAE": "-1.59", "Liabilities Current": "0.797", "Long Term Debt": "1.94", "Policyholder Contract Deposits": "2.70", "Reinsurance Payable": "1.00", "Other Liabilities": "7.89", "Unearned Premiums": "-0.815", "Economic Capital Ratio": "-9.71"}, "2018": {"Assets, Non-Current": "-2.54", "Assets": "-25.4", "Liabilities": "3.48", "Stockholders Equity": "-22.2", "ECR before LimitedLiability": "-14.5", "Reinsurance Recoverables": "-4.10", "Assets, Current": "-2.51", "Intangible Assets": "-2.94", "Deferred Policy Acquisition Costs": "1.32", "Other Assets": "-3.10", "Separate Account Asset": "-1.47", "Investments": "-14.7", "Premiums Receivable": "-3.55", "Other Liabilities": "3.34", "Liabilities Current": "0.963", "Long Term Debt": "1.15", "Reinsurance Payable": "1.12", "Policyholder Contract Deposits": "3.10", "Claims Reserve and LAE": "-2.50", "Economic Capital Ratio": "-14.2", "Policyholder Benefits and Claims": "0.373"}, "2019": {"Premiums Receivable": "-1.52", "Assets": "6.15", "Liabilities": "-18.6", "Stockholders Equity": "-7.50", "ECR before LimitedLiability": "-14.0", "Investments": "3.75", "Assets, Non-Current": "-1.08", "Intangible Assets": "-0.930", "Separate Account Asset": "-0.678", "Other Assets": "6.28", "Reinsurance Recoverables": "-1.62", "Assets, Current": "-2.84", "Policyholder Contract Deposits": "1.53", "Reinsurance Payable": "0.691", "Long Term Debt": "2.47", "Liabilities Current": "0.336", "Other Liabilities": "3.63", "Claims Reserve and LAE": "-32.3", "Unearned Premiums": "0.959", "Revenues": "0.233", "Economic Capital Ratio": "-13.4"}, "2020": {"Intangible Assets": "-0.308", "Assets": "13.6", "Liabilities": "-48.3", "Stockholders Equity": "4.68", "ECR before LimitedLiability": "-12.9", "Assets, Current": "0.152", "Other Assets": "9.57", "Deferred Policy Acquisition Costs": "0.556", "Reinsurance Recoverables": "-0.634", "Separate Account Asset": "-0.243", "Investments": "8.95", "Premiums Receivable": "-0.434", "Assets, Non-Current": "-0.231", "Other Liabilities": "-3.83", "Long Term Debt": "0.430", "Reinsurance Payable": "0.317", "Claims Reserve and LAE": "-42.3", "Policyholder Contract Deposits": "0.723", "Liabilities Current": "0.114", "Unearned Premiums": "-1.28", "Economic Capital Ratio": "-12.3"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "67,919", "Assets, Non-Current": "123,113", "Claims Reserve and LAE": "3,547,248", "Deferred Acquisition Costs Amortization": "831,948", "Deferred Policy Acquisition Costs": "439,597", "General and Administrative Expense": "70,604", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "5,148,771", "Liabilities Current": "0", "Long Term Debt": "254,482", "Other Assets": "402,135", "Other Compr. Net Income": "27,285", "Other Expenses": "33,861", "Other Liabilities": "132,795", "Other Net Income": "0", "Other Revenues": "196,133", "Policyholder Benefits and Claims": "2,307,630", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,779,557", "Premiums Receivable": "345,043", "Reinsurance Payable": "0", "Reinsurance Recoverables": "117,611", "Revenues Y+1": "2,963,512", "Revenues Y+2": "2,972,988", "Revenues Y+3": "2,975,109", "Revenues Y+4": "2,975,584", "Revenues Y+5": "2,975,691", "Separate Account Asset": "0", "Unearned Premiums": "1,477,038"}, "output_variables": {"Assets": "6,644,189", "Liabilities": "5,411,563", "Expenses": "3,244,043", "Revenues": "2,975,691", "Stockholders Equity": "1,232,626", "Net Income": "-268,352", "Comprehensive Net Income": "-254,709", "BaseVar": "136,174,096", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2018": {"input_variables": {"Assets, Current": "200,841", "Assets, Non-Current": "39,482", "Claims Reserve and LAE": "3,055,976", "Deferred Acquisition Costs Amortization": "622,885", "Deferred Policy Acquisition Costs": "388,442", "General and Administrative Expense": "64,911", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "4,090,965", "Liabilities Current": "0", "Long Term Debt": "254,694", "Other Assets": "500,422", "Other Compr. Net Income": "-29,210", "Other Expenses": "23,631", "Other Liabilities": "221,455", "Other Net Income": "-61,762", "Other Revenues": "133,462", "Policyholder Benefits and Claims": "1,807,711", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,876,082", "Premiums Receivable": "67,308", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "2,036,315", "Revenues Y+2": "2,014,176", "Revenues Y+3": "2,010,332", "Revenues Y+4": "2,009,661", "Revenues Y+5": "2,009,544", "Separate Account Asset": "0", "Unearned Premiums": "1,200,419"}, "output_variables": {"Assets": "5,287,460", "Liabilities": "4,732,544", "Expenses": "2,519,137", "Revenues": "2,009,544", "Stockholders Equity": "554,916", "Net Income": "-571,354", "Comprehensive Net Income": "-585,959", "BaseVar": "86,629,309", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}, "2019": {"input_variables": {"Assets, Current": "48,197", "Assets, Non-Current": "9,946", "Claims Reserve and LAE": "2,439,907", "Deferred Acquisition Costs Amortization": "-177,433", "Deferred Policy Acquisition Costs": "77,356", "General and Administrative Expense": "46,511", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,867,266", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,553,250", "Other Compr. Net Income": "-36,337", "Other Expenses": "15,556", "Other Liabilities": "400,302", "Other Net Income": "-61,323", "Other Revenues": "127,022", "Policyholder Benefits and Claims": "-816,570", "Policyholder Contract Deposits": "0", "Premiums Earned": "-1,088,765", "Premiums Receivable": "12,181", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "-216,355", "Revenues Y+2": "-613,184", "Revenues Y+3": "-812,067", "Revenues Y+4": "-911,764", "Revenues Y+5": "-961,743", "Separate Account Asset": "0", "Unearned Premiums": "220,269"}, "output_variables": {"Assets": "3,568,196", "Liabilities": "3,060,478", "Expenses": "-931,936", "Revenues": "-961,743", "Stockholders Equity": "507,718", "Net Income": "-91,130", "Comprehensive Net Income": "-109,298", "BaseVar": "56,844,955", "ECR before LimitedLiability": "0.86%", "Economic Capital Ratio": "76%"}}, "2020": {"input_variables": {"Assets, Current": "74,040", "Assets, Non-Current": "8,051", "Claims Reserve and LAE": "1,893,299", "Deferred Acquisition Costs Amortization": "-32,417", "Deferred Policy Acquisition Costs": "51,903", "General and Administrative Expense": "38,432", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,320,307", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,488,377", "Other Compr. Net Income": "54,628", "Other Expenses": "23,610", "Other Liabilities": "383,069", "Other Net Income": "-1,952", "Other Revenues": "68,608", "Policyholder Benefits and Claims": "-193,304", "Policyholder Contract Deposits": "0", "Premiums Earned": "-97,884", "Premiums Receivable": "5,777", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "47,855", "Revenues Y+2": "-1,592", "Revenues Y+3": "-19,890", "Revenues Y+4": "-26,718", "Revenues Y+5": "-29,276", "Separate Account Asset": "0", "Unearned Premiums": "144,271"}, "output_variables": {"Assets": "2,948,455", "Liabilities": "2,420,639", "Expenses": "-163,678", "Revenues": "-29,276", "Stockholders Equity": "527,816", "Net Income": "132,450", "Comprehensive Net Income": "159,764", "BaseVar": "16,100,362", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "86%"}}}, "top_rated": false, "trend": 0.0, "valuation": {"past_accumulated_profits": 263908000.0, "future_profits": -859367.8331357454, "valuation_correction": 12860717.702119676, "limited_liability_put_option": 2023594304.9349687, "fair_value": 2299503654.8039527, "market_value": 1438956599.343092}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001412100.svg", "value": 0.8439104486950274, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001412100.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001412100.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001412100.svg"}, {"company_id": "0001502292", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001502292.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 48, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 8.5% 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 84%, being 13% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001502292_2021_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"}, "2017": {"Separate Account Asset": "-0.876", "Assets": "-20.2", "Liabilities": "10.2", "Stockholders Equity": "-14.7", "ECR before LimitedLiability": "-7.72", "Premiums Receivable": "0.505", "Investments": "-12.1", "Intangible Assets": "-2.03", "Assets, Current": "-3.48", "Other Assets": "-2.57", "Deferred Policy Acquisition Costs": "0.707", "Reinsurance Recoverables": "-4.47", "Assets, Non-Current": "-0.921", "Claims Reserve and LAE": "7.89", "Liabilities Current": "0.819", "Long Term Debt": "-3.06", "Policyholder Contract Deposits": "2.78", "Other Liabilities": "10.1", "Unearned Premiums": "-2.04", "Economic Capital Ratio": "-7.43", "Other Expenses": "0.983"}, "2018": {"Assets, Non-Current": "-1.05", "Assets": "-23.0", "Liabilities": "7.53", "Stockholders Equity": "-17.9", "ECR before LimitedLiability": "-10.4", "Reinsurance Recoverables": "-3.84", "Assets, Current": "-3.95", "Intangible Assets": "-2.75", "Other Assets": "3.26", "Separate Account Asset": "-1.38", "Investments": "-17.9", "Other Liabilities": "7.36", "Liabilities Current": "0.986", "Long Term Debt": "-4.68", "Reinsurance Payable": "1.15", "Unearned Premiums": "-0.384", "Policyholder Contract Deposits": "3.18", "Claims Reserve and LAE": "6.33", "Economic Capital Ratio": "-10.1", "Other Expenses": "1.06", "Policyholder Benefits and Claims": "-0.441"}, "2019": {"Assets": "-23.6", "Liabilities": "7.77", "Stockholders Equity": "-20.7", "ECR before LimitedLiability": "-12.5", "Deferred Policy Acquisition Costs": "0.537", "Investments": "-9.33", "Assets, Non-Current": "-0.766", "Intangible Assets": "-1.84", "Separate Account Asset": "-1.34", "Other Assets": "-10.6", "Reinsurance Recoverables": "-2.95", "Assets, Current": "-5.36", "Policyholder Contract Deposits": "3.14", "Reinsurance Payable": "1.43", "Long Term Debt": "-3.23", "Liabilities Current": "0.696", "Other Liabilities": "7.78", "Claims Reserve and LAE": "0.578", "Unearned Premiums": "-2.88", "Economic Capital Ratio": "-11.9", "Other Expenses": "0.680"}, "2020": {"Intangible Assets": "-1.84", "Assets": "-24.7", "Liabilities": "8.48", "Stockholders Equity": "-19.5", "ECR before LimitedLiability": "-13.5", "Assets, Current": "-4.59", "Other Assets": "-13.0", "Deferred Policy Acquisition Costs": "0.481", "Reinsurance Recoverables": "-3.50", "Separate Account Asset": "-1.46", "Investments": "-8.98", "Premiums Receivable": "0.449", "Assets, Non-Current": "-0.363", "Other Liabilities": "8.43", "Long Term Debt": "-6.73", "Reinsurance Payable": "1.90", "Claims Reserve and LAE": "3.85", "Policyholder Contract Deposits": "4.27", "Liabilities Current": "0.687", "Unearned Premiums": "-2.95", "Economic Capital Ratio": "-12.8"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "7,073", "Claims Reserve and LAE": "87,896", "Deferred Acquisition Costs Amortization": "26,245", "Deferred Policy Acquisition Costs": "12,781", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "2,798", "Investments": "157,650", "Liabilities Current": "0", "Long Term Debt": "29,027", "Other Assets": "38,683", "Other Compr. Net Income": "717", "Other Expenses": "92,199", "Other Liabilities": "8,312", "Other Net Income": "65", "Other Revenues": "2,310", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "91,729", "Premiums Receivable": "22,845", "Reinsurance Payable": "3,299", "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": "57,672"}, "output_variables": {"Assets": "239,032", "Liabilities": "186,206", "Expenses": "118,444", "Revenues": "96,837", "Stockholders Equity": "52,826", "Net Income": "-21,542", "Comprehensive Net Income": "-21,184", "BaseVar": "4,713,931", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "86%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "8,444", "Claims Reserve and LAE": "92,807", "Deferred Acquisition Costs Amortization": "24,964", "Deferred Policy Acquisition Costs": "12,011", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "3,557", "Investments": "140,102", "Liabilities Current": "0", "Long Term Debt": "33,502", "Other Assets": "50,948", "Other Compr. Net Income": "711", "Other Expenses": "77,069", "Other Liabilities": "11,428", "Other Net Income": "123", "Other Revenues": "1,977", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "94,773", "Premiums Receivable": "21,247", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "100,101", "Revenues Y+2": "100,068", "Revenues Y+3": "100,318", "Revenues Y+4": "100,222", "Revenues Y+5": "100,307", "Separate Account Asset": "0", "Unearned Premiums": "52,852"}, "output_variables": {"Assets": "232,752", "Liabilities": "190,589", "Expenses": "102,034", "Revenues": "100,307", "Stockholders Equity": "42,163", "Net Income": "-1,603", "Comprehensive Net Income": "-1,248", "BaseVar": "3,801,338", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}, "2019": {"input_variables": {"Assets, Current": "7,464", "Assets, Non-Current": "8,698", "Claims Reserve and LAE": "107,246", "Deferred Acquisition Costs Amortization": "24,411", "Deferred Policy Acquisition Costs": "11,906", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "6,195", "Investments": "169,732", "Liabilities Current": "0", "Long Term Debt": "35,824", "Other Assets": "28,047", "Other Compr. Net Income": "-1,268", "Other Expenses": "77,042", "Other Liabilities": "9,967", "Other Net Income": "373", "Other Revenues": "1,691", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "86,929", "Premiums Receivable": "20,168", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,250", "Revenues Y+1": "95,161", "Revenues Y+2": "94,906", "Revenues Y+3": "94,841", "Revenues Y+4": "94,818", "Revenues Y+5": "94,815", "Separate Account Asset": "0", "Unearned Premiums": "51,503"}, "output_variables": {"Assets": "247,265", "Liabilities": "204,540", "Expenses": "101,453", "Revenues": "94,815", "Stockholders Equity": "42,725", "Net Income": "-6,265", "Comprehensive Net Income": "-6,899", "BaseVar": "5,546,046", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "94%"}}, "2020": {"input_variables": {"Assets, Current": "8,193", "Assets, Non-Current": "10,112", "Claims Reserve and LAE": "111,270", "Deferred Acquisition Costs Amortization": "27,054", "Deferred Policy Acquisition Costs": "12,243", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "41,459", "Investments": "183,207", "Liabilities Current": "0", "Long Term Debt": "40,997", "Other Assets": "26,364", "Other Compr. Net Income": "0", "Other Expenses": "76,582", "Other Liabilities": "8,693", "Other Net Income": "1,032", "Other Revenues": "2,496", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "89,109", "Premiums Receivable": "20,162", "Reinsurance Payable": "0", "Reinsurance Recoverables": "1,316", "Revenues Y+1": "108,641", "Revenues Y+2": "115,254", "Revenues Y+3": "120,929", "Revenues Y+4": "127,186", "Revenues Y+5": "133,064", "Separate Account Asset": "0", "Unearned Premiums": "56,224"}, "output_variables": {"Assets": "261,597", "Liabilities": "217,184", "Expenses": "103,636", "Revenues": "133,064", "Stockholders Equity": "44,413", "Net Income": "30,459", "Comprehensive Net Income": "30,459", "BaseVar": "13,020,668", "ECR before LimitedLiability": "50%", "Economic Capital Ratio": "121%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 22206500.0, "future_profits": 98272756.91518359, "valuation_correction": -449022.1460928508, "limited_liability_put_option": 168746226.5986973, "fair_value": 288776461.3677881, "market_value": 24244573.905565135}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001502292.svg", "value": 0.8382453945406586, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001502292.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001502292.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001502292.svg"}, {"company_id": "0001331875", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001331875.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001331875.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001331875.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001331875_256x256.png", "name": "Fidelity National Financial Inc", "rank": 49, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001331875.svg", "report_text": "The relative strengths and weaknesses of Fidelity National Financial 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 Fidelity National Financial Inc compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of Fidelity National Financial Inc is the variable Policyholder Contract Deposits, reducing the Economic Capital Ratio by 39% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 13% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001331875_2021_Fidelity_National_Financial_Inc.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-3.01", "Assets": "-32.1", "Liabilities": "26.8", "Stockholders Equity": "-10.0", "ECR before LimitedLiability": "10.6", "Investments": "-23.9", "Intangible Assets": "7.17", "Assets, Non-Current": "-2.51", "Separate Account Asset": "-8.60", "Premiums Receivable": "-3.91", "Reinsurance Recoverables": "-3.98", "Other Assets": "-11.7", "Liabilities Current": "1.31", "Other Liabilities": "22.2", "Unearned Premiums": "12.1", "Long Term Debt": "4.39", "Policyholder Contract Deposits": "20.2", "Claims Reserve and LAE": "23.8", "Economic Capital Ratio": "10.7", "General and Administrative Expense": "1.41", "Other Revenues": "-1.66"}, "2011": {"Reinsurance Recoverables": "-4.44", "Assets": "-28.3", "Liabilities": "29.0", "Stockholders Equity": "-6.36", "ECR before LimitedLiability": "11.8", "Intangible Assets": "7.58", "Assets, Non-Current": "-1.79", "Other Assets": "-6.75", "Separate Account Asset": "-7.40", "Premiums Receivable": "-3.72", "Deferred Policy Acquisition Costs": "-2.67", "Investments": "-22.0", "Long Term Debt": "4.68", "Other Liabilities": "21.9", "Unearned Premiums": "16.9", "Policyholder Contract Deposits": "18.0", "Claims Reserve and LAE": "26.7", "Reinsurance Payable": "1.60", "Economic Capital Ratio": "12.0", "General and Administrative Expense": "0.875", "Other Revenues": "-0.941"}, "2012": {"Assets": "-30.5", "Liabilities": "31.2", "Stockholders Equity": "-8.82", "ECR before LimitedLiability": "13.2", "Separate Account Asset": "-8.46", "Other Assets": "-6.80", "Deferred Policy Acquisition Costs": "-2.23", "Intangible Assets": "10.3", "Reinsurance Recoverables": "-4.86", "Investments": "-26.0", "Premiums Receivable": "-4.12", "Reinsurance Payable": "1.94", "Other Liabilities": "27.9", "Claims Reserve and LAE": "28.0", "Unearned Premiums": "19.9", "Long Term Debt": "5.52", "Policyholder Contract Deposits": "21.1", "Liabilities Current": "1.16", "Economic Capital Ratio": "13.4", "Other Revenues": "-0.926", "General and Administrative Expense": "0.506"}, "2013": {"Intangible Assets": "8.57", "Assets": "-31.1", "Liabilities": "34.9", "Stockholders Equity": "-12.6", "ECR before LimitedLiability": "16.5", "Assets, Current": "1.69", "Reinsurance Recoverables": "-4.53", "Separate Account Asset": "-9.35", "Investments": "-25.4", "Other Assets": "-12.2", "Premiums Receivable": "-4.79", "Deferred Policy Acquisition Costs": "-2.42", "Liabilities Current": "1.36", "Long Term Debt": "8.33", "Unearned Premiums": "22.3", "Reinsurance Payable": "2.03", "Claims Reserve and LAE": "30.6", "Other Liabilities": "30.8", "Policyholder Contract Deposits": "24.3", "Economic Capital Ratio": "16.8", "Other Revenues": "-1.48"}, "2014": {"Investments": "-20.6", "Assets": "-26.6", "Liabilities": "29.9", "Stockholders Equity": "-14.3", "ECR before LimitedLiability": "10.5", "Other Assets": "-12.3", "Separate Account Asset": "-4.06", "Assets, Current": "-4.09", "Intangible Assets": "21.3", "Deferred Policy Acquisition Costs": "-1.75", "Premiums Receivable": "-3.98", "Reinsurance Recoverables": "-3.58", "Other Liabilities": "15.5", "Long Term Debt": "5.79", "Policyholder Contract Deposits": "5.79", "Reinsurance Payable": "2.98", "Unearned Premiums": "17.6", "Claims Reserve and LAE": "28.2", "Liabilities Current": "1.28", "Economic Capital Ratio": "10.9", "Other Revenues": "-1.02"}, "2017": {"Separate Account Asset": "-1.22", "Assets": "-28.5", "Liabilities": "33.4", "Stockholders Equity": "-20.0", "ECR before LimitedLiability": "13.1", "Premiums Receivable": "-5.05", "Investments": "-24.8", "Intangible Assets": "10.1", "Other Assets": "-6.38", "Deferred Policy Acquisition Costs": "-2.43", "Reinsurance Recoverables": "-5.90", "Assets, Non-Current": "-2.36", "Claims Reserve and LAE": "31.6", "Liabilities Current": "1.88", "Long Term Debt": "3.36", "Policyholder Contract Deposits": "6.30", "Reinsurance Payable": "2.37", "Other Liabilities": "1.87", "Unearned Premiums": "24.7", "Economic Capital Ratio": "13.4", "Other Revenues": "-1.30"}, "2018": {"Assets, Non-Current": "-2.86", "Assets": "-28.6", "Liabilities": "33.9", "Stockholders Equity": "-20.4", "ECR before LimitedLiability": "13.6", "Reinsurance Recoverables": "-4.81", "Intangible Assets": "8.46", "Deferred Policy Acquisition Costs": "-2.71", "Other Assets": "-3.08", "Separate Account Asset": "-1.79", "Investments": "-25.7", "Premiums Receivable": "-4.83", "Other Liabilities": "7.03", "Liabilities Current": "2.28", "Long Term Debt": "1.80", "Reinsurance Payable": "2.65", "Unearned Premiums": "25.4", "Policyholder Contract Deposits": "7.23", "Claims Reserve and LAE": "31.9", "Economic Capital Ratio": "13.9", "General and Administrative Expense": "1.24"}, "2019": {"Premiums Receivable": "-4.37", "Assets": "-29.8", "Liabilities": "34.8", "Stockholders Equity": "-27.9", "ECR before LimitedLiability": "11.9", "Deferred Policy Acquisition Costs": "-2.36", "Investments": "-23.4", "Assets, Non-Current": "-2.67", "Intangible Assets": "8.04", "Separate Account Asset": "-1.84", "Other Assets": "-13.0", "Reinsurance Recoverables": "-4.23", "Assets, Current": "-4.77", "Policyholder Contract Deposits": "7.62", "Reinsurance Payable": "3.51", "Long Term Debt": "6.47", "Liabilities Current": "1.72", "Other Liabilities": "18.6", "Claims Reserve and LAE": "32.5", "Unearned Premiums": "20.2", "Economic Capital Ratio": "12.5"}, "2020": {"Intangible Assets": "3.39", "Assets": "1.65", "Liabilities": "-10.4", "Stockholders Equity": "-7.02", "ECR before LimitedLiability": "-13.7", "Assets, Current": "-0.878", "Other Assets": "-6.11", "Deferred Policy Acquisition Costs": "-0.943", "Reinsurance Recoverables": "0.938", "Separate Account Asset": "-0.799", "Investments": "8.05", "Premiums Receivable": "-1.72", "Assets, Non-Current": "-1.02", "Other Liabilities": "5.55", "Long Term Debt": "-1.64", "Claims Reserve and LAE": "8.04", "Policyholder Contract Deposits": "-38.7", "Liabilities Current": "0.372", "Unearned Premiums": "4.94", "Economic Capital Ratio": "-13.0", "General and Administrative Expense": "0.261"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001331875_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "580,800", "Assets, Non-Current": "179,900", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,638,400", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,625,900", "Investment Income": "381,200", "Investments": "4,358,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,142,400", "Other Compr. Net Income": "-28,500", "Other Expenses": "322,200", "Other Liabilities": "4,443,100", "Other Net Income": "-1,200", "Other Revenues": "5,359,100", "Policyholder Benefits and Claims": "402,900", "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": "7,887,500", "Liabilities": "4,443,100", "Expenses": "5,363,500", "Revenues": "5,740,300", "Stockholders Equity": "3,444,400", "Net Income": "375,600", "Comprehensive Net Income": "361,350", "BaseVar": "175,367,428", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2011": {"input_variables": {"Assets, Current": "665,700", "Assets, Non-Current": "166,100", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,071,800", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,582,900", "Investment Income": "149,400", "Investments": "4,051,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,395,700", "Other Compr. Net Income": "-29,300", "Other Expenses": "265,100", "Other Liabilities": "4,206,200", "Other Net Income": "98,700", "Other Revenues": "4,690,200", "Policyholder Benefits and Claims": "222,300", "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": "7,862,100", "Liabilities": "4,206,200", "Expenses": "4,559,200", "Revenues": "4,839,600", "Stockholders Equity": "3,655,900", "Net Income": "379,100", "Comprehensive Net Income": "364,450", "BaseVar": "246,609,908", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "102%"}}, "2012": {"input_variables": {"Assets, Current": "1,131,900", "Assets, Non-Current": "632,100", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "4,775,900", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,559,000", "Investment Income": "330,800", "Investments": "4,053,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,526,600", "Other Compr. Net Income": "60,400", "Other Expenses": "1,549,800", "Other Liabilities": "5,153,500", "Other Net Income": "15,000", "Other Revenues": "6,870,900", "Policyholder Benefits and Claims": "279,300", "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": "9,902,600", "Liabilities": "5,153,500", "Expenses": "6,605,000", "Revenues": "7,201,700", "Stockholders Equity": "4,749,100", "Net Income": "611,700", "Comprehensive Net Income": "641,900", "BaseVar": "411,077,469", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "104%"}}, "2013": {"input_variables": {"Assets, Current": "1,969,000", "Assets, Non-Current": "645,000", "Claims Reserve and LAE": "1,636,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,191,744", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,520,000", "Investment Income": "234,143", "Investments": "3,791,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,599,000", "Other Compr. Net Income": "59,201", "Other Expenses": "4,632,627", "Other Liabilities": "3,346,000", "Other Net Income": "-17,479", "Other Revenues": "8,351,697", "Policyholder Benefits and Claims": "287,522", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "8,624,051", "Revenues Y+2": "8,531,896", "Revenues Y+3": "8,599,838", "Revenues Y+4": "8,551,434", "Revenues Y+5": "8,585,839", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "10,524,000", "Liabilities": "4,982,000", "Expenses": "10,111,893", "Revenues": "8,585,839", "Stockholders Equity": "5,542,000", "Net Income": "-1,543,532", "Comprehensive Net Income": "-1,513,932", "BaseVar": "331,449,762", "ECR before LimitedLiability": "59%", "Economic Capital Ratio": "127%"}}, "2014": {"input_variables": {"Assets, Current": "700,000", "Assets, Non-Current": "635,000", "Claims Reserve and LAE": "1,621,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "5,612,780", "Insurance Commissions and Fees": "0", "Intangible Assets": "5,854,000", "Investment Income": "124,230", "Investments": "4,669,000", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "2,010,000", "Other Compr. Net Income": "-14,249", "Other Expenses": "1,891,189", "Other Liabilities": "5,459,000", "Other Net Income": "-22,323", "Other Revenues": "7,943,445", "Policyholder Benefits and Claims": "246,847", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "8,075,304", "Revenues Y+2": "8,063,043", "Revenues Y+3": "8,069,108", "Revenues Y+4": "8,065,581", "Revenues Y+5": "8,067,675", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "13,868,000", "Liabilities": "7,080,000", "Expenses": "7,750,817", "Revenues": "8,067,675", "Stockholders Equity": "6,788,000", "Net Income": "294,535", "Comprehensive Net Income": "287,411", "BaseVar": "369,185,851", "ECR before LimitedLiability": "51%", "Economic Capital Ratio": "121%"}}, "2017": {"input_variables": {"Assets, Current": "1,110,000", "Assets, Non-Current": "193,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,262,822", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,746,000", "Investment Income": "123,801", "Investments": "3,371,000", "Liabilities Current": "0", "Long Term Debt": "759,000", "Other Assets": "1,731,000", "Other Compr. Net Income": "27,265", "Other Expenses": "4,881", "Other Liabilities": "3,581,000", "Other Net Income": "190,814", "Other Revenues": "7,555,809", "Policyholder Benefits and Claims": "235,053", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "7,677,720", "Revenues Y+2": "7,682,359", "Revenues Y+3": "7,678,709", "Revenues Y+4": "7,680,936", "Revenues Y+5": "7,679,610", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "9,151,000", "Liabilities": "4,340,000", "Expenses": "6,502,757", "Revenues": "7,679,610", "Stockholders Equity": "4,811,000", "Net Income": "1,367,668", "Comprehensive Net Income": "1,381,300", "BaseVar": "306,754,796", "ECR before LimitedLiability": "105%", "Economic Capital Ratio": "161%"}}, "2018": {"input_variables": {"Assets, Current": "1,257,000", "Assets, Non-Current": "164,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,391,473", "Insurance Commissions and Fees": "2,615,000", "Intangible Assets": "2,726,000", "Investment Income": "158,717", "Investments": "3,549,000", "Liabilities Current": "0", "Long Term Debt": "836,000", "Other Assets": "1,605,000", "Other Compr. Net Income": "2,249", "Other Expenses": "322,405", "Other Liabilities": "3,493,000", "Other Net Income": "-5,589", "Other Revenues": "4,903,474", "Policyholder Benefits and Claims": "226,015", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "7,672,262", "Revenues Y+2": "7,684,194", "Revenues Y+3": "7,674,914", "Revenues Y+4": "7,680,473", "Revenues Y+5": "7,677,191", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "9,301,000", "Liabilities": "4,329,000", "Expenses": "6,939,893", "Revenues": "7,677,191", "Stockholders Equity": "4,972,000", "Net Income": "731,710", "Comprehensive Net Income": "732,834", "BaseVar": "265,205,845", "ECR before LimitedLiability": "73%", "Economic Capital Ratio": "138%"}}, "2019": {"input_variables": {"Assets, Current": "1,376,000", "Assets, Non-Current": "176,000", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "6,612,390", "Insurance Commissions and Fees": "2,584,363", "Intangible Assets": "2,727,000", "Investment Income": "206,313", "Investments": "4,384,000", "Liabilities Current": "0", "Long Term Debt": "838,000", "Other Assets": "2,014,000", "Other Compr. Net Income": "8,649", "Other Expenses": "566,943", "Other Liabilities": "4,130,000", "Other Net Income": "15,555", "Other Revenues": "5,592,714", "Policyholder Benefits and Claims": "234,384", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "8,368,659", "Revenues Y+2": "8,390,850", "Revenues Y+3": "8,381,099", "Revenues Y+4": "8,386,465", "Revenues Y+5": "8,383,391", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "10,677,000", "Liabilities": "4,968,000", "Expenses": "7,413,717", "Revenues": "8,383,391", "Stockholders Equity": "5,709,000", "Net Income": "985,229", "Comprehensive Net Income": "989,554", "BaseVar": "433,126,572", "ECR before LimitedLiability": "80%", "Economic Capital Ratio": "143%"}}, "2020": {"input_variables": {"Assets, Current": "2,719,000", "Assets, Non-Current": "180,000", "Claims Reserve and LAE": "4,010,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "7,386,273", "Insurance Commissions and Fees": "3,084,909", "Intangible Assets": "4,495,000", "Investment Income": "685,273", "Investments": "35,047,000", "Liabilities Current": "0", "Long Term Debt": "2,662,000", "Other Assets": "4,803,000", "Other Compr. Net Income": "7,161,974", "Other Expenses": "2,178,929", "Other Liabilities": "5,867,000", "Other Net Income": "-11,367", "Other Revenues": "6,720,066", "Policyholder Benefits and Claims": "73,791", "Policyholder Contract Deposits": "28,718,000", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "806,000", "Reinsurance Recoverables": "3,211,000", "Revenues Y+1": "10,394,509", "Revenues Y+2": "10,537,927", "Revenues Y+3": "10,474,605", "Revenues Y+4": "10,503,229", "Revenues Y+5": "10,490,248", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "50,455,000", "Liabilities": "42,063,000", "Expenses": "9,638,994", "Revenues": "10,490,248", "Stockholders Equity": "8,392,000", "Net Income": "839,887", "Comprehensive Net Income": "4,420,874", "BaseVar": "1,514,139,816", "ECR before LimitedLiability": "43%", "Economic Capital Ratio": "115%"}}}, "top_rated": false, "trend": -40.0, "valuation": {"past_accumulated_profits": 4196000000.0, "future_profits": 15637347959.6598, "valuation_correction": -2924964.729814488, "limited_liability_put_option": 33227862985.53741, "fair_value": 53058285980.46739, "market_value": 9148512694.745243}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001331875.svg", "value": 0.836287588462642, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001331875.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001331875.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001331875.svg"}, {"company_id": "0001620459", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001620459.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 50, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Assets, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of James River Group Holdings Inc is the variable Liabilities, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 83%, being 13% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001620459_2021_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"}, "2017": {"Separate Account Asset": "-0.571", "Assets": "-2.47", "Liabilities": "-1.54", "Stockholders Equity": "-4.27", "ECR before LimitedLiability": "-6.04", "Premiums Receivable": "3.52", "Investments": "-4.89", "Intangible Assets": "2.44", "Assets, Current": "0.385", "Other Assets": "-1.18", "Reinsurance Recoverables": "-1.51", "Claims Reserve and LAE": "-8.96", "Liabilities Current": "0.555", "Long Term Debt": "0.713", "Policyholder Contract Deposits": "1.89", "Reinsurance Payable": "-0.566", "Other Liabilities": "5.03", "Unearned Premiums": "-0.926", "Economic Capital Ratio": "-5.75", "Other Expenses": "0.770", "Policyholder Benefits and Claims": "-0.403"}, "2018": {"Assets, Non-Current": "-0.323", "Assets": "-3.36", "Liabilities": "-2.19", "Stockholders Equity": "-5.87", "ECR before LimitedLiability": "-7.83", "Reinsurance Recoverables": "-0.817", "Intangible Assets": "1.56", "Deferred Policy Acquisition Costs": "-0.528", "Other Assets": "3.02", "Separate Account Asset": "-0.864", "Investments": "-6.77", "Premiums Receivable": "2.17", "Other Liabilities": "6.43", "Liabilities Current": "0.649", "Reinsurance Payable": "-0.435", "Unearned Premiums": "0.982", "Policyholder Contract Deposits": "2.10", "Claims Reserve and LAE": "-13.7", "Economic Capital Ratio": "-7.49", "Other Expenses": "0.878", "Policyholder Benefits and Claims": "-0.458"}, "2019": {"Premiums Receivable": "1.98", "Assets": "6.64", "Liabilities": "-20.0", "Stockholders Equity": "-6.16", "ECR before LimitedLiability": "-13.6", "Investments": "-1.45", "Assets, Non-Current": "-0.392", "Intangible Assets": "1.23", "Separate Account Asset": "-0.643", "Other Assets": "6.66", "Assets, Current": "-1.41", "Policyholder Contract Deposits": "1.47", "Reinsurance Payable": "-15.8", "Long Term Debt": "2.38", "Liabilities Current": "0.323", "Other Liabilities": "5.27", "Claims Reserve and LAE": "-12.3", "Unearned Premiums": "-1.70", "Economic Capital Ratio": "-12.9", "Policyholder Benefits and Claims": "-0.251", "Other Expenses": "0.583"}, "2020": {"Intangible Assets": "1.42", "Assets": "8.01", "Liabilities": "-27.6", "Stockholders Equity": "-2.19", "ECR before LimitedLiability": "-14.2", "Assets, Current": "-0.750", "Other Assets": "7.57", "Reinsurance Recoverables": "0.920", "Separate Account Asset": "-0.531", "Investments": "5.53", "Premiums Receivable": "2.42", "Other Liabilities": "2.76", "Long Term Debt": "0.917", "Reinsurance Payable": "-11.1", "Claims Reserve and LAE": "-16.3", "Policyholder Contract Deposits": "1.54", "Liabilities Current": "0.244", "Unearned Premiums": "-3.84", "Economic Capital Ratio": "-13.5", "Other Expenses": "0.234", "Other Revenues": "0.136"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "163,495", "Assets, Non-Current": "83,598", "Claims Reserve and LAE": "1,292,349", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "72,365", "General and Administrative Expense": "196,993", "Insurance Commissions and Fees": "0", "Intangible Assets": "220,165", "Investment Income": "59,130", "Investments": "1,447,654", "Liabilities Current": "0", "Long Term Debt": "98,300", "Other Assets": "325,003", "Other Compr. Net Income": "9,219", "Other Expenses": "577,066", "Other Liabilities": "196,965", "Other Net Income": "0", "Other Revenues": "17,386", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "741,109", "Premiums Receivable": "352,436", "Reinsurance Payable": "56,268", "Reinsurance Recoverables": "91,979", "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": "418,114"}, "output_variables": {"Assets": "2,756,695", "Liabilities": "2,061,996", "Expenses": "774,059", "Revenues": "817,625", "Stockholders Equity": "694,699", "Net Income": "43,566", "Comprehensive Net Income": "48,176", "BaseVar": "35,761,491", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}, "2018": {"input_variables": {"Assets, Current": "172,457", "Assets, Non-Current": "94,379", "Claims Reserve and LAE": "1,661,459", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "54,450", "General and Administrative Expense": "201,470", "Insurance Commissions and Fees": "0", "Intangible Assets": "219,368", "Investment Income": "62,157", "Investments": "1,677,846", "Liabilities Current": "0", "Long Term Debt": "118,300", "Other Assets": "497,879", "Other Compr. Net Income": "-4,976", "Other Expenses": "634,914", "Other Liabilities": "199,641", "Other Net Income": "0", "Other Revenues": "8,532", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "834,332", "Premiums Receivable": "307,899", "Reinsurance Payable": "61,662", "Reinsurance Recoverables": "112,498", "Revenues Y+1": "900,932", "Revenues Y+2": "904,169", "Revenues Y+3": "904,848", "Revenues Y+4": "904,991", "Revenues Y+5": "905,022", "Separate Account Asset": "0", "Unearned Premiums": "386,473"}, "output_variables": {"Assets": "3,136,776", "Liabilities": "2,427,535", "Expenses": "836,384", "Revenues": "905,022", "Stockholders Equity": "709,241", "Net Income": "68,638", "Comprehensive Net Income": "66,150", "BaseVar": "33,636,951", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "96%"}}, "2019": {"input_variables": {"Assets, Current": "206,912", "Assets, Non-Current": "80,227", "Claims Reserve and LAE": "2,045,506", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "62,006", "General and Administrative Expense": "167,842", "Insurance Commissions and Fees": "0", "Intangible Assets": "218,771", "Investment Income": "82,138", "Investments": "1,993,360", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,914,691", "Other Compr. Net Income": "-22,128", "Other Expenses": "725,676", "Other Liabilities": "368,718", "Other Net Income": "0", "Other Revenues": "7,630", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "825,850", "Premiums Receivable": "369,462", "Reinsurance Payable": "1,307,223", "Reinsurance Recoverables": "178,976", "Revenues Y+1": "913,196", "Revenues Y+2": "914,922", "Revenues Y+3": "915,423", "Revenues Y+4": "915,572", "Revenues Y+5": "915,617", "Separate Account Asset": "0", "Unearned Premiums": "524,377"}, "output_variables": {"Assets": "5,024,405", "Liabilities": "4,245,824", "Expenses": "893,518", "Revenues": "915,617", "Stockholders Equity": "778,581", "Net Income": "22,099", "Comprehensive Net Income": "11,035", "BaseVar": "53,862,618", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2020": {"input_variables": {"Assets, Current": "162,260", "Assets, Non-Current": "82,115", "Claims Reserve and LAE": "2,192,080", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "62,953", "General and Administrative Expense": "164,928", "Insurance Commissions and Fees": "0", "Intangible Assets": "218,233", "Investment Income": "72,518", "Investments": "2,197,058", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,727,135", "Other Compr. Net Income": "49,746", "Other Expenses": "462,176", "Other Liabilities": "474,662", "Other Net Income": "0", "Other Revenues": "-15,291", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "554,400", "Premiums Receivable": "369,577", "Reinsurance Payable": "970,351", "Reinsurance Recoverables": "243,741", "Revenues Y+1": "622,673", "Revenues Y+2": "613,762", "Revenues Y+3": "612,031", "Revenues Y+4": "611,693", "Revenues Y+5": "611,626", "Separate Account Asset": "0", "Unearned Premiums": "630,371"}, "output_variables": {"Assets": "5,063,072", "Liabilities": "4,267,464", "Expenses": "627,104", "Revenues": "611,626", "Stockholders Equity": "795,608", "Net Income": "-15,478", "Comprehensive Net Income": "9,395", "BaseVar": "73,938,197", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 397804000.0, "future_profits": 146806084.89178064, "valuation_correction": 696978.0323125717, "limited_liability_put_option": 3513615358.329077, "fair_value": 4058922421.25317, "market_value": 1369967238.7613945}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001620459.svg", "value": 0.8315820413371465, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001620459.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001620459.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001620459.svg"}, {"company_id": "0001224608", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001224608.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/graphs/IME_0001224608.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001224608.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001224608_256x256.png", "name": "CNO Financial Group Inc", "rank": 51, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_0001224608.svg", "report_text": "The relative strengths and weaknesses of CNO Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of CNO Financial Group Inc compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of CNO Financial Group Inc is the variable Liabilities, reducing the Economic Capital Ratio by 33% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 83%, being 14% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001224608_2021_CNO_Financial_Group_Inc.pdf", "shrinked_graph_json": {"2015": {"Separate Account Asset": "-1.10", "Assets": "6.26", "Liabilities": "-32.6", "Stockholders Equity": "-1.95", "ECR before LimitedLiability": "-12.4", "Other Assets": "1.81", "Assets, Current": "-0.784", "Premiums Receivable": "-1.26", "Assets, Non-Current": "-0.292", "Investments": "6.61", "Deferred Policy Acquisition Costs": "1.08", "Reinsurance Recoverables": "-0.967", "Intangible Assets": "-0.325", "Policyholder Contract Deposits": "1.96", "Long Term Debt": "1.21", "Other Liabilities": "-25.7", "Claims Reserve and LAE": "-12.5", "Reinsurance Payable": "0.506", "Unearned Premiums": "2.77", "Liabilities Current": "0.207", "Economic Capital Ratio": "-12.1"}, "2019": {"Premiums Receivable": "-1.20", "Assets": "6.66", "Liabilities": "-31.9", "Stockholders Equity": "-3.34", "ECR before LimitedLiability": "-14.3", "Deferred Policy Acquisition Costs": "1.14", "Investments": "7.00", "Intangible Assets": "-0.660", "Separate Account Asset": "-0.475", "Other Assets": "2.98", "Reinsurance Recoverables": "-1.16", "Assets, Current": "-2.47", "Policyholder Contract Deposits": "1.07", "Reinsurance Payable": "0.487", "Long Term Debt": "1.75", "Liabilities Current": "0.237", "Other Liabilities": "-24.5", "Claims Reserve and LAE": "-12.4", "Unearned Premiums": "2.64", "Revenues": "0.194", "Economic Capital Ratio": "-13.7"}, "2020": {"Intangible Assets": "-0.570", "Assets": "8.57", "Liabilities": "-33.4", "Stockholders Equity": "-0.699", "ECR before LimitedLiability": "-14.2", "Assets, Current": "-1.90", "Other Assets": "2.25", "Deferred Policy Acquisition Costs": "0.873", "Reinsurance Recoverables": "-1.17", "Separate Account Asset": "-0.444", "Investments": "8.97", "Premiums Receivable": "-0.973", "Other Liabilities": "-24.7", "Long Term Debt": "0.775", "Reinsurance Payable": "0.572", "Claims Reserve and LAE": "-12.3", "Policyholder Contract Deposits": "1.30", "Liabilities Current": "0.206", "Unearned Premiums": "2.39", "Economic Capital Ratio": "-13.6", "Other Compr. Net Income": "0.0617"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001224608_strength_weakness.svg", "table_records": {"2015": {"input_variables": {"Assets, Current": "432,300", "Assets, Non-Current": "309,200", "Claims Reserve and LAE": "11,089,900", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,083,300", "General and Administrative Expense": "739,200", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "24,487,100", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,808,500", "Other Compr. Net Income": "-422,500", "Other Expenses": "364,200", "Other Liabilities": "15,605,700", "Other Net Income": "0", "Other Revenues": "1,255,900", "Policyholder Benefits and Claims": "2,308,300", "Policyholder Contract Deposits": "4,700", "Premiums Earned": "2,556,000", "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": "4,700", "Unearned Premiums": "286,300"}, "output_variables": {"Assets": "31,125,100", "Liabilities": "26,986,600", "Expenses": "3,411,700", "Revenues": "3,811,900", "Stockholders Equity": "4,138,500", "Net Income": "400,200", "Comprehensive Net Income": "188,950", "BaseVar": "199,727,725", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "81%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "476,000", "Claims Reserve and LAE": "12,020,800", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,215,500", "General and Administrative Expense": "932,900", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "25,580,900", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "6,354,300", "Other Compr. Net Income": "1,194,800", "Other Expenses": "198,000", "Other Liabilities": "16,668,400", "Other Net Income": "0", "Other Revenues": "1,535,000", "Policyholder Benefits and Claims": "2,417,000", "Policyholder Contract Deposits": "4,200", "Premiums Earned": "2,480,800", "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": "4,200", "Unearned Premiums": "260,500"}, "output_variables": {"Assets": "33,630,900", "Liabilities": "28,953,900", "Expenses": "3,547,900", "Revenues": "4,015,800", "Stockholders Equity": "4,677,000", "Net Income": "467,900", "Comprehensive Net Income": "1,065,300", "BaseVar": "266,735,948", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "81%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "492,800", "Claims Reserve and LAE": "12,306,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,027,800", "General and Administrative Expense": "942,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "27,584,300", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "6,230,800", "Other Compr. Net Income": "813,600", "Other Expenses": "342,900", "Other Liabilities": "17,292,900", "Other Net Income": "0", "Other Revenues": "1,309,800", "Policyholder Benefits and Claims": "2,157,900", "Policyholder Contract Deposits": "4,200", "Premiums Earned": "2,511,300", "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": "4,200", "Unearned Premiums": "252,600"}, "output_variables": {"Assets": "35,339,900", "Liabilities": "29,855,700", "Expenses": "3,442,800", "Revenues": "3,821,100", "Stockholders Equity": "5,484,200", "Net Income": "378,300", "Comprehensive Net Income": "785,100", "BaseVar": "466,871,994", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "83%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 2742100000.0, "future_profits": 0.0, "valuation_correction": -266795728.38221803, "limited_liability_put_option": 24604856914.038834, "fair_value": 27080161185.656616, "market_value": 2781442422.81754}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001224608.svg", "value": 0.830735852899785, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001224608.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001224608.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001224608.svg"}, {"company_id": "0001401521", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001401521.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 52, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Reinsurance Recoverables, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of American Coastal Insurance Corp 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 83%, being 14% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001401521_2021_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"}, "2017": {"Separate Account Asset": "-0.618", "Assets": "-6.15", "Liabilities": "2.86", "Stockholders Equity": "-5.34", "ECR before LimitedLiability": "-5.47", "Premiums Receivable": "-1.10", "Investments": "-10.8", "Intangible Assets": "1.21", "Assets, Current": "3.85", "Other Assets": "-6.44", "Deferred Policy Acquisition Costs": "1.07", "Reinsurance Recoverables": "11.8", "Assets, Non-Current": "-0.983", "Claims Reserve and LAE": "7.55", "Liabilities Current": "0.607", "Long Term Debt": "3.14", "Policyholder Contract Deposits": "2.06", "Reinsurance Payable": "-3.86", "Other Liabilities": "0.371", "Unearned Premiums": "-7.99", "Economic Capital Ratio": "-5.18"}, "2020": {"Assets": "-15.9", "Liabilities": "6.58", "Stockholders Equity": "-15.0", "ECR before LimitedLiability": "-14.8", "Assets, Current": "-1.06", "Other Assets": "-12.8", "Deferred Policy Acquisition Costs": "-0.152", "Reinsurance Recoverables": "7.42", "Separate Account Asset": "-1.18", "Investments": "-14.6", "Premiums Receivable": "-1.10", "Assets, Non-Current": "-0.331", "Other Liabilities": "6.97", "Long Term Debt": "2.01", "Reinsurance Payable": "-3.37", "Claims Reserve and LAE": "0.584", "Policyholder Contract Deposits": "3.35", "Liabilities Current": "0.536", "Unearned Premiums": "-7.32", "Economic Capital Ratio": "-14.1", "Policyholder Benefits and Claims": "0.137"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "276,275", "Assets, Non-Current": "28,387", "Claims Reserve and LAE": "482,232", "Deferred Acquisition Costs Amortization": "214,306", "Deferred Policy Acquisition Costs": "103,882", "General and Administrative Expense": "275,701", "Insurance Commissions and Fees": "0", "Intangible Assets": "118,316", "Investment Income": "49,878", "Investments": "854,531", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,577", "Other Compr. Net Income": "5,147", "Other Expenses": "21,485", "Other Liabilities": "335,574", "Other Net Income": "138", "Other Revenues": "209,080", "Policyholder Benefits and Claims": "597,438", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,225,875", "Premiums Receivable": "75,275", "Reinsurance Payable": "149,117", "Reinsurance Recoverables": "597,678", "Revenues Y+1": "821,304", "Revenues Y+2": "987,779", "Revenues Y+3": "1,153,854", "Revenues Y+4": "1,319,536", "Revenues Y+5": "1,484,834", "Separate Account Asset": "0", "Unearned Premiums": "555,873"}, "output_variables": {"Assets": "2,059,921", "Liabilities": "1,522,796", "Expenses": "1,108,930", "Revenues": "1,484,834", "Stockholders Equity": "537,125", "Net Income": "376,042", "Comprehensive Net Income": "378,615", "BaseVar": "55,938,198", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "136%"}}, "2020": {"input_variables": {"Assets, Current": "239,420", "Assets, Non-Current": "85,240", "Claims Reserve and LAE": "1,089,966", "Deferred Acquisition Costs Amortization": "259,367", "Deferred Policy Acquisition Costs": "74,414", "General and Administrative Expense": "66,072", "Insurance Commissions and Fees": "0", "Intangible Assets": "94,975", "Investment Income": "-8,342", "Investments": "995,051", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "66,758", "Other Compr. Net Income": "-145", "Other Expenses": "26,826", "Other Liabilities": "375,802", "Other Net Income": "96", "Other Revenues": "90,890", "Policyholder Benefits and Claims": "1,121,775", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,123,977", "Premiums Receivable": "87,339", "Reinsurance Payable": "241,636", "Reinsurance Recoverables": "1,205,744", "Revenues Y+1": "975,838", "Revenues Y+2": "1,066,007", "Revenues Y+3": "1,129,640", "Revenues Y+4": "1,174,662", "Revenues Y+5": "1,206,525", "Separate Account Asset": "0", "Unearned Premiums": "723,938"}, "output_variables": {"Assets": "2,848,941", "Liabilities": "2,431,342", "Expenses": "1,474,040", "Revenues": "1,206,525", "Stockholders Equity": "417,599", "Net Income": "-267,419", "Comprehensive Net Income": "-267,491", "BaseVar": "146,769,535", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "92%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 208799500.0, "future_profits": 242286187.40459156, "valuation_correction": -4149682.7181584584, "limited_liability_put_option": 1980119703.688013, "fair_value": 2427055708.374446, "market_value": 202077363.68997097}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001401521.svg", "value": 0.8254984196204649, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001401521.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001401521.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001401521.svg"}, {"company_id": "0000850141", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000850141.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 53, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 8.2% 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 82%, being 15% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000850141_2021_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"}, "2018": {"Assets, Non-Current": "1.03", "Assets": "5.78", "Liabilities": "-37.5", "Stockholders Equity": "-2.23", "ECR before LimitedLiability": "-13.7", "Reinsurance Recoverables": "-1.23", "Assets, Current": "-1.27", "Intangible Assets": "-0.664", "Deferred Policy Acquisition Costs": "0.668", "Other Assets": "-2.16", "Separate Account Asset": "4.10", "Investments": "5.13", "Premiums Receivable": "-1.23", "Other Liabilities": "-0.720", "Long Term Debt": "-0.388", "Unearned Premiums": "2.24", "Policyholder Contract Deposits": "-9.75", "Claims Reserve and LAE": "-26.4", "Economic Capital Ratio": "-13.3", "Other Revenues": "-0.706", "Premiums Earned": "0.902"}, "2019": {"Premiums Receivable": "-1.06", "Assets": "6.42", "Liabilities": "-36.8", "Stockholders Equity": "-2.78", "ECR before LimitedLiability": "-15.2", "Deferred Policy Acquisition Costs": "0.530", "Investments": "5.20", "Assets, Non-Current": "1.10", "Intangible Assets": "0.296", "Separate Account Asset": "5.07", "Other Assets": "3.87", "Reinsurance Recoverables": "-1.03", "Assets, Current": "-2.20", "Policyholder Contract Deposits": "-11.0", "Reinsurance Payable": "0.425", "Other Liabilities": "0.968", "Claims Reserve and LAE": "-26.4", "Unearned Premiums": "1.47", "Economic Capital Ratio": "-14.6", "Other Revenues": "-0.358", "Premiums Earned": "0.498"}, "2020": {"Intangible Assets": "0.227", "Assets": "8.18", "Liabilities": "-39.2", "Stockholders Equity": "-0.654", "ECR before LimitedLiability": "-15.5", "Assets, Current": "-1.66", "Other Assets": "3.47", "Deferred Policy Acquisition Costs": "0.363", "Reinsurance Recoverables": "-1.02", "Separate Account Asset": "6.24", "Investments": "6.46", "Premiums Receivable": "-0.848", "Assets, Non-Current": "1.02", "Other Liabilities": "0.290", "Long Term Debt": "-0.595", "Reinsurance Payable": "0.485", "Claims Reserve and LAE": "-25.3", "Policyholder Contract Deposits": "-11.8", "Unearned Premiums": "1.29", "Economic Capital Ratio": "-14.9", "Premiums Earned": "0.231"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "422,047", "Claims Reserve and LAE": "6,107,907", "Deferred Acquisition Costs Amortization": "108,374", "Deferred Policy Acquisition Costs": "298,742", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "47,396", "Investment Income": "363,931", "Investments": "8,250,677", "Liabilities Current": "0", "Long Term Debt": "297,740", "Other Assets": "11,906", "Other Compr. Net Income": "-105,505", "Other Expenses": "428,739", "Other Liabilities": "1,058,346", "Other Net Income": "0", "Other Revenues": "828,323", "Policyholder Benefits and Claims": "628,917", "Policyholder Contract Deposits": "2,001,128", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,192,248", "Revenues Y+2": "1,192,254", "Revenues Y+3": "1,192,254", "Revenues Y+4": "1,192,254", "Revenues Y+5": "1,192,254", "Separate Account Asset": "2,001,128", "Unearned Premiums": "276,225"}, "output_variables": {"Assets": "11,031,896", "Liabilities": "9,741,346", "Expenses": "1,166,030", "Revenues": "1,192,254", "Stockholders Equity": "1,290,550", "Net Income": "26,225", "Comprehensive Net Income": "-26,528", "BaseVar": "53,916,459", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "84%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "474,364", "Claims Reserve and LAE": "6,677,306", "Deferred Acquisition Costs Amortization": "109,262", "Deferred Policy Acquisition Costs": "276,668", "General and Administrative Expense": "28,025", "Insurance Commissions and Fees": "0", "Intangible Assets": "226,296", "Investment Income": "521,844", "Investments": "6,639,233", "Liabilities Current": "0", "Long Term Debt": "298,025", "Other Assets": "2,371,674", "Other Compr. Net Income": "-56,513", "Other Expenses": "541,444", "Other Liabilities": "1,166,456", "Other Net Income": "0", "Other Revenues": "914,011", "Policyholder Benefits and Claims": "590,432", "Policyholder Contract Deposits": "2,490,469", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,435,737", "Revenues Y+2": "1,435,852", "Revenues Y+3": "1,435,855", "Revenues Y+4": "1,435,855", "Revenues Y+5": "1,435,855", "Separate Account Asset": "2,490,469", "Unearned Premiums": "279,163"}, "output_variables": {"Assets": "12,478,704", "Liabilities": "10,911,419", "Expenses": "1,269,162", "Revenues": "1,435,855", "Stockholders Equity": "1,567,285", "Net Income": "166,692", "Comprehensive Net Income": "138,436", "BaseVar": "85,929,727", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "86%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "443,165", "Claims Reserve and LAE": "6,884,077", "Deferred Acquisition Costs Amortization": "100,961", "Deferred Policy Acquisition Costs": "229,828", "General and Administrative Expense": "27,504", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,914", "Investment Income": "379,606", "Investments": "7,262,234", "Liabilities Current": "0", "Long Term Debt": "302,323", "Other Assets": "2,443,249", "Other Compr. Net Income": "135,222", "Other Expenses": "506,044", "Other Liabilities": "1,339,422", "Other Net Income": "0", "Other Revenues": "956,457", "Policyholder Benefits and Claims": "570,488", "Policyholder Contract Deposits": "2,891,423", "Premiums Earned": "0", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "1,340,272", "Revenues Y+2": "1,335,313", "Revenues Y+3": "1,336,189", "Revenues Y+4": "1,336,036", "Revenues Y+5": "1,336,063", "Separate Account Asset": "2,891,423", "Unearned Premiums": "264,489"}, "output_variables": {"Assets": "13,471,813", "Liabilities": "11,681,734", "Expenses": "1,204,997", "Revenues": "1,336,063", "Stockholders Equity": "1,790,079", "Net Income": "131,066", "Comprehensive Net Income": "198,677", "BaseVar": "156,462,875", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 895039500.0, "future_profits": 704137442.2521374, "valuation_correction": 338324.021465451, "limited_liability_put_option": 9465488622.789845, "fair_value": 11065003889.063448, "market_value": 1424645000.5899124}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000850141.svg", "value": 0.8178230845356661, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000850141.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000850141.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000850141.svg"}, {"company_id": "0001267238", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001267238.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 54, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 6.2% points.The greatest weakness of Assurant INC is the variable Unearned Premiums, reducing the Economic Capital Ratio by 19% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 82%, being 15% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001267238_2021_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"}, "2017": {"Separate Account Asset": "2.47", "Assets": "5.15", "Liabilities": "-23.2", "Stockholders Equity": "-5.19", "ECR before LimitedLiability": "-12.9", "Investments": "-4.09", "Intangible Assets": "0.850", "Assets, Current": "-0.235", "Other Assets": "-3.28", "Deferred Policy Acquisition Costs": "4.74", "Reinsurance Recoverables": "5.17", "Claims Reserve and LAE": "-12.9", "Liabilities Current": "0.355", "Long Term Debt": "1.85", "Policyholder Contract Deposits": "-2.04", "Reinsurance Payable": "-0.123", "Other Liabilities": "-1.21", "Unearned Premiums": "-7.35", "Economic Capital Ratio": "-12.6", "General and Administrative Expense": "0.255", "Policyholder Benefits and Claims": "-0.186"}, "2018": {"Assets, Non-Current": "-0.209", "Assets": "4.26", "Liabilities": "-20.7", "Stockholders Equity": "-6.53", "ECR before LimitedLiability": "-13.5", "Reinsurance Recoverables": "4.23", "Assets, Current": "-0.518", "Intangible Assets": "2.19", "Deferred Policy Acquisition Costs": "4.16", "Other Assets": "2.48", "Separate Account Asset": "1.26", "Investments": "-8.40", "Other Liabilities": "-0.927", "Liabilities Current": "0.446", "Long Term Debt": "1.73", "Reinsurance Payable": "-0.297", "Unearned Premiums": "-17.4", "Policyholder Contract Deposits": "-0.722", "Claims Reserve and LAE": "-2.92", "Economic Capital Ratio": "-13.2", "Policyholder Benefits and Claims": "-0.206"}, "2019": {"Premiums Receivable": "-0.180", "Assets": "-0.543", "Liabilities": "-12.2", "Stockholders Equity": "-10.8", "ECR before LimitedLiability": "-15.1", "Deferred Policy Acquisition Costs": "5.09", "Investments": "-8.75", "Assets, Non-Current": "-0.335", "Intangible Assets": "2.11", "Separate Account Asset": "1.23", "Other Assets": "-5.59", "Reinsurance Recoverables": "5.13", "Assets, Current": "-2.18", "Policyholder Contract Deposits": "-0.509", "Long Term Debt": "2.89", "Liabilities Current": "0.393", "Other Liabilities": "2.90", "Claims Reserve and LAE": "-1.27", "Unearned Premiums": "-17.8", "Economic Capital Ratio": "-14.5", "Other Expenses": "0.156"}, "2020": {"Intangible Assets": "2.55", "Assets": "-1.15", "Liabilities": "-9.72", "Stockholders Equity": "-9.52", "ECR before LimitedLiability": "-15.6", "Assets, Current": "-1.28", "Other Assets": "-9.32", "Deferred Policy Acquisition Costs": "6.17", "Reinsurance Recoverables": "6.18", "Separate Account Asset": "1.54", "Investments": "-7.57", "Premiums Receivable": "-0.195", "Assets, Non-Current": "-0.189", "Other Liabilities": "5.42", "Long Term Debt": "1.44", "Reinsurance Payable": "0.169", "Policyholder Contract Deposits": "-0.287", "Liabilities Current": "0.383", "Unearned Premiums": "-18.6", "Economic Capital Ratio": "-14.9", "Premiums Earned": "-0.0961"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "996,800", "Assets, Non-Current": "734,700", "Claims Reserve and LAE": "14,179,600", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,484,500", "General and Administrative Expense": "2,636,353", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,206,300", "Investment Income": "493,982", "Investments": "11,553,500", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,002,600", "Other Compr. Net Income": "115,952", "Other Expenses": "1,453,576", "Other Liabilities": "4,181,100", "Other Net Income": "0", "Other Revenues": "1,484,462", "Policyholder Benefits and Claims": "1,869,073", "Policyholder Contract Deposits": "1,837,100", "Premiums Earned": "4,393,055", "Premiums Receivable": "1,237,300", "Reinsurance Payable": "325,100", "Reinsurance Recoverables": "9,790,200", "Revenues Y+1": "6,373,731", "Revenues Y+2": "6,371,629", "Revenues Y+3": "6,371,507", "Revenues Y+4": "6,371,499", "Revenues Y+5": "6,371,499", "Separate Account Asset": "1,837,100", "Unearned Premiums": "7,038,600"}, "output_variables": {"Assets": "31,843,000", "Liabilities": "27,561,500", "Expenses": "5,959,002", "Revenues": "6,371,499", "Stockholders Equity": "4,281,500", "Net Income": "412,497", "Comprehensive Net Income": "470,473", "BaseVar": "289,003,362", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2018": {"input_variables": {"Assets, Current": "1,254,000", "Assets, Non-Current": "960,000", "Claims Reserve and LAE": "12,054,600", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "5,103,000", "General and Administrative Expense": "2,997,338", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,944,200", "Investment Income": "597,072", "Investments": "13,403,900", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "5,005,000", "Other Compr. Net Income": "-122,302", "Other Expenses": "2,225,967", "Other Liabilities": "6,040,200", "Other Net Income": "0", "Other Revenues": "1,267,276", "Policyholder Benefits and Claims": "2,331,587", "Policyholder Contract Deposits": "1,609,700", "Premiums Earned": "6,160,867", "Premiums Receivable": "1,643,500", "Reinsurance Payable": "602,900", "Reinsurance Recoverables": "9,166,000", "Revenues Y+1": "8,030,097", "Revenues Y+2": "8,025,901", "Revenues Y+3": "8,025,309", "Revenues Y+4": "8,025,226", "Revenues Y+5": "8,025,215", "Separate Account Asset": "1,609,700", "Unearned Premiums": "15,648,000"}, "output_variables": {"Assets": "41,089,300", "Liabilities": "35,955,400", "Expenses": "7,554,892", "Revenues": "8,025,215", "Stockholders Equity": "5,133,900", "Net Income": "470,322", "Comprehensive Net Income": "409,171", "BaseVar": "315,950,073", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}, "2019": {"input_variables": {"Assets, Current": "1,867,100", "Assets, Non-Current": "1,023,800", "Claims Reserve and LAE": "12,495,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "6,668,000", "General and Administrative Expense": "3,270,224", "Insurance Commissions and Fees": "0", "Intangible Assets": "2,883,600", "Investment Income": "675,215", "Investments": "14,567,300", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "4,155,500", "Other Compr. Net Income": "-201,877", "Other Expenses": "3,750,570", "Other Liabilities": "6,992,900", "Other Net Income": "0", "Other Revenues": "1,403,880", "Policyholder Benefits and Claims": "2,649,428", "Policyholder Contract Deposits": "1,839,700", "Premiums Earned": "8,114,601", "Premiums Receivable": "1,692,800", "Reinsurance Payable": "677,900", "Reinsurance Recoverables": "9,593,400", "Revenues Y+1": "10,187,687", "Revenues Y+2": "10,193,304", "Revenues Y+3": "10,193,665", "Revenues Y+4": "10,193,693", "Revenues Y+5": "10,193,696", "Separate Account Asset": "1,839,700", "Unearned Premiums": "16,603,600"}, "output_variables": {"Assets": "44,291,200", "Liabilities": "38,609,100", "Expenses": "9,670,222", "Revenues": "10,193,696", "Stockholders Equity": "5,682,100", "Net Income": "523,474", "Comprehensive Net Income": "422,535", "BaseVar": "580,853,222", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}, "2020": {"input_variables": {"Assets, Current": "2,228,600", "Assets, Non-Current": "1,012,100", "Claims Reserve and LAE": "12,721,500", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "7,573,500", "General and Administrative Expense": "3,100,639", "Insurance Commissions and Fees": "0", "Intangible Assets": "3,285,500", "Investment Income": "560,323", "Investments": "15,679,400", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,286,200", "Other Compr. Net Income": "418,792", "Other Expenses": "3,993,461", "Other Liabilities": "5,756,300", "Other Net Income": "0", "Other Revenues": "1,170,485", "Policyholder Benefits and Claims": "2,551,220", "Policyholder Contract Deposits": "2,188,300", "Premiums Earned": "8,361,180", "Premiums Receivable": "1,556,400", "Reinsurance Payable": "721,000", "Reinsurance Recoverables": "9,839,900", "Revenues Y+1": "10,093,382", "Revenues Y+2": "10,092,178", "Revenues Y+3": "10,092,010", "Revenues Y+4": "10,091,990", "Revenues Y+5": "10,091,987", "Separate Account Asset": "2,188,300", "Unearned Premiums": "17,308,000"}, "output_variables": {"Assets": "44,649,900", "Liabilities": "38,695,100", "Expenses": "9,645,319", "Revenues": "10,091,987", "Stockholders Equity": "5,954,800", "Net Income": "446,669", "Comprehensive Net Income": "656,064", "BaseVar": "1,125,333,667", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}}, "top_rated": false, "trend": -4.0, "valuation": {"past_accumulated_profits": 2977400000.0, "future_profits": 2690727014.7987695, "valuation_correction": 51640.42793988771, "limited_liability_put_option": 31343109054.796898, "fair_value": 37011287710.023605, "market_value": 7085416248.689014}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001267238.svg", "value": 0.8176229500797728, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001267238.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001267238.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001267238.svg"}, {"company_id": "0000005272", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000005272.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 55, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 43% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 81%, being 16% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000005272_2021_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"}, "2017": {"Separate Account Asset": "5.22", "Assets": "7.64", "Liabilities": "-41.1", "Stockholders Equity": "-0.347", "ECR before LimitedLiability": "-12.7", "Investments": "5.89", "Intangible Assets": "-0.591", "Assets, Current": "-1.03", "Other Assets": "2.20", "Deferred Policy Acquisition Costs": "0.563", "Reinsurance Recoverables": "-1.33", "Assets, Non-Current": "0.337", "Claims Reserve and LAE": "-6.40", "Long Term Debt": "-2.49", "Policyholder Contract Deposits": "-31.0", "Reinsurance Payable": "0.264", "Other Liabilities": "0.705", "Unearned Premiums": "1.05", "Revenues": "0.293", "Premiums Earned": "0.300", "Economic Capital Ratio": "-12.4"}, "2018": {"Assets, Non-Current": "0.579", "Assets": "6.37", "Liabilities": "-40.5", "Stockholders Equity": "-1.47", "ECR before LimitedLiability": "-13.7", "Reinsurance Recoverables": "-1.11", "Assets, Current": "-1.15", "Intangible Assets": "-0.789", "Deferred Policy Acquisition Costs": "0.669", "Other Assets": "4.00", "Separate Account Asset": "4.09", "Investments": "4.63", "Other Liabilities": "1.37", "Long Term Debt": "-2.94", "Reinsurance Payable": "0.296", "Unearned Premiums": "1.14", "Policyholder Contract Deposits": "-30.2", "Claims Reserve and LAE": "-7.09", "Revenues": "0.339", "Premiums Earned": "0.349", "Economic Capital Ratio": "-13.3"}, "2019": {"Assets": "7.38", "Liabilities": "-40.7", "Stockholders Equity": "-1.46", "ECR before LimitedLiability": "-14.9", "Deferred Policy Acquisition Costs": "0.560", "Investments": "6.08", "Assets, Non-Current": "0.859", "Intangible Assets": "-0.512", "Separate Account Asset": "5.28", "Other Assets": "0.355", "Reinsurance Recoverables": "-0.897", "Assets, Current": "-1.93", "Policyholder Contract Deposits": "-31.4", "Reinsurance Payable": "0.372", "Long Term Debt": "-2.44", "Liabilities Current": "0.181", "Other Liabilities": "2.53", "Claims Reserve and LAE": "-7.41", "Unearned Premiums": "0.449", "Economic Capital Ratio": "-14.3", "Other Revenues": "0.224"}, "2020": {"Intangible Assets": "-0.450", "Assets": "8.04", "Liabilities": "-43.2", "Stockholders Equity": "-0.849", "ECR before LimitedLiability": "-16.4", "Assets, Current": "-1.50", "Other Assets": "2.72", "Deferred Policy Acquisition Costs": "0.395", "Reinsurance Recoverables": "-0.926", "Separate Account Asset": "5.32", "Investments": "6.12", "Premiums Receivable": "0.166", "Assets, Non-Current": "0.564", "Other Liabilities": "2.59", "Long Term Debt": "-3.00", "Reinsurance Payable": "-3.70", "Claims Reserve and LAE": "-5.94", "Policyholder Contract Deposits": "-28.8", "Unearned Premiums": "0.380", "Economic Capital Ratio": "-15.8", "Other Revenues": "0.156"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2017": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "10,194,000", "Claims Reserve and LAE": "123,825,000", "Deferred Acquisition Costs Amortization": "4,333,581", "Deferred Policy Acquisition Costs": "10,994,000", "General and Administrative Expense": "9,342,221", "Insurance Commissions and Fees": "2,941,698", "Intangible Assets": "0", "Investment Income": "14,171,223", "Investments": "322,292,000", "Liabilities Current": "0", "Long Term Debt": "31,640,000", "Other Assets": "51,775,000", "Other Compr. Net Income": "1,426,221", "Other Expenses": "10,207,115", "Other Liabilities": "26,050,000", "Other Net Income": "-46,661", "Other Revenues": "1,065,481", "Policyholder Benefits and Claims": "30,342,317", "Policyholder Contract Deposits": "232,048,000", "Premiums Earned": "31,877,172", "Premiums Receivable": "10,248,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "50,165,113", "Revenues Y+2": "50,032,271", "Revenues Y+3": "50,060,246", "Revenues Y+4": "50,054,263", "Revenues Y+5": "50,055,575", "Separate Account Asset": "92,798,000", "Unearned Premiums": "19,030,000"}, "output_variables": {"Assets": "498,301,000", "Liabilities": "432,593,000", "Expenses": "54,225,234", "Revenues": "50,055,575", "Stockholders Equity": "65,708,000", "Net Income": "-4,216,321", "Comprehensive Net Income": "-3,503,210", "BaseVar": "2,668,648,904", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "85%"}}, "2018": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "13,568,000", "Claims Reserve and LAE": "128,574,000", "Deferred Acquisition Costs Amortization": "5,168,748", "Deferred Policy Acquisition Costs": "12,694,000", "General and Administrative Expense": "9,277,664", "Insurance Commissions and Fees": "2,786,968", "Intangible Assets": "0", "Investment Income": "12,592,831", "Investments": "314,209,000", "Liabilities Current": "0", "Long Term Debt": "34,540,000", "Other Assets": "58,655,000", "Other Compr. Net Income": "-2,993,878", "Other Expenses": "7,147,278", "Other Liabilities": "24,636,000", "Other Net Income": "-17,210", "Other Revenues": "1,398,024", "Policyholder Benefits and Claims": "27,793,327", "Policyholder Contract Deposits": "227,677,000", "Premiums Earned": "30,740,190", "Premiums Receivable": "11,011,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "47,519,199", "Revenues Y+2": "47,522,453", "Revenues Y+3": "47,516,331", "Revenues Y+4": "47,518,919", "Revenues Y+5": "47,518,013", "Separate Account Asset": "81,847,000", "Unearned Premiums": "19,248,000"}, "output_variables": {"Assets": "491,984,000", "Liabilities": "434,675,000", "Expenses": "49,387,018", "Revenues": "47,518,013", "Stockholders Equity": "57,309,000", "Net Income": "-1,886,215", "Comprehensive Net Income": "-3,383,154", "BaseVar": "2,228,631,946", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "84%"}}, "2019": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "16,383,000", "Claims Reserve and LAE": "128,840,000", "Deferred Acquisition Costs Amortization": "5,207,818", "Deferred Policy Acquisition Costs": "11,207,000", "General and Administrative Expense": "8,632,618", "Insurance Commissions and Fees": "3,020,086", "Intangible Assets": "0", "Investment Income": "14,457,468", "Investments": "337,615,000", "Liabilities Current": "0", "Long Term Debt": "35,350,000", "Other Assets": "56,313,000", "Other Compr. Net Income": "592,301", "Other Expenses": "6,153,946", "Other Liabilities": "26,609,000", "Other Net Income": "-506", "Other Revenues": "1,541,073", "Policyholder Benefits and Claims": "25,699,217", "Policyholder Contract Deposits": "248,569,000", "Premiums Earned": "30,569,799", "Premiums Receivable": "10,274,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "49,573,953", "Revenues Y+2": "49,590,056", "Revenues Y+3": "49,588,164", "Revenues Y+4": "49,588,520", "Revenues Y+5": "49,588,426", "Separate Account Asset": "93,272,000", "Unearned Premiums": "18,269,000"}, "output_variables": {"Assets": "525,064,000", "Liabilities": "457,637,000", "Expenses": "45,693,599", "Revenues": "49,588,426", "Stockholders Equity": "67,427,000", "Net Income": "3,894,321", "Comprehensive Net Income": "4,190,471", "BaseVar": "3,068,630,918", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "85%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "13,122,000", "Claims Reserve and LAE": "128,817,000", "Deferred Acquisition Costs Amortization": "4,397,173", "Deferred Policy Acquisition Costs": "9,805,000", "General and Administrative Expense": "8,413,588", "Insurance Commissions and Fees": "2,915,134", "Intangible Assets": "0", "Investment Income": "13,708,799", "Investments": "360,668,000", "Liabilities Current": "0", "Long Term Debt": "37,534,000", "Other Assets": "91,263,000", "Other Compr. Net Income": "7,351,902", "Other Expenses": "10,621,496", "Other Liabilities": "27,122,000", "Other Net Income": "27,712", "Other Revenues": "-667,992", "Policyholder Benefits and Claims": "24,893,935", "Policyholder Contract Deposits": "264,089,000", "Premiums Earned": "28,861,307", "Premiums Receivable": "11,333,000", "Reinsurance Payable": "43,060,000", "Reinsurance Recoverables": "0", "Revenues Y+1": "45,088,898", "Revenues Y+2": "44,741,833", "Revenues Y+3": "44,836,151", "Revenues Y+4": "44,809,637", "Revenues Y+5": "44,817,249", "Separate Account Asset": "100,290,000", "Unearned Premiums": "18,660,000"}, "output_variables": {"Assets": "586,481,000", "Liabilities": "519,282,000", "Expenses": "48,326,192", "Revenues": "44,817,249", "Stockholders Equity": "67,199,000", "Net Income": "-3,481,231", "Comprehensive Net Income": "194,720", "BaseVar": "5,957,346,832", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "83%"}}}, "top_rated": false, "trend": -6.0, "valuation": {"past_accumulated_profits": 33599500000.0, "future_profits": 10588145012.928757, "valuation_correction": 25210821.774256125, "limited_liability_put_option": 417242527286.07684, "fair_value": 461455383120.77985, "market_value": 28395451947.95795}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000005272.svg", "value": 0.808920268433093, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000005272.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000005272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000005272.svg"}, {"company_id": "0001042046", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0001042046.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 56, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 Other Assets, increasing the Economic Capital Ratio by 13% 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 80%, being 17% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0001042046_2021_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": "0.540", "Investments": "4.07", "Other Assets": "-1.97", "Assets, Non-Current": "0.778", "Unearned Premiums": "0.950", "Policyholder Contract Deposits": "0.313", "Long Term Debt": "0.221", "Other Liabilities": "-40.4", "Reinsurance Payable": "-0.295", "Premiums Earned": "0.200", "Economic Capital Ratio": "-14.7", "Other Expenses": "0.238", "Investment Income": "-0.254"}, "2017": {"Separate Account Asset": "0.262", "Assets": "5.17", "Liabilities": "-42.5", "Stockholders Equity": "-2.85", "ECR before LimitedLiability": "-15.3", "Premiums Receivable": "-0.260", "Investments": "4.41", "Intangible Assets": "-0.460", "Assets, Current": "0.824", "Deferred Policy Acquisition Costs": "0.451", "Reinsurance Recoverables": "1.86", "Assets, Non-Current": "0.536", "Claims Reserve and LAE": "-0.849", "Liabilities Current": "0.209", "Reinsurance Payable": "-0.398", "Other Liabilities": "-42.7", "Unearned Premiums": "1.04", "Economic Capital Ratio": "-15.0", "Investment Income": "-0.252", "Other Revenues": "0.204", "Other Expenses": "0.246"}, "2018": {"Assets, Non-Current": "0.345", "Assets": "3.92", "Liabilities": "-40.2", "Stockholders Equity": "-4.00", "ECR before LimitedLiability": "-15.9", "Reinsurance Recoverables": "1.79", "Intangible Assets": "-0.704", "Deferred Policy Acquisition Costs": "0.662", "Other Assets": "1.11", "Investments": "3.30", "Premiums Receivable": "-0.273", "Other Liabilities": "-42.7", "Liabilities Current": "0.267", "Reinsurance Payable": "-0.323", "Unearned Premiums": "1.27", "Policyholder Contract Deposits": "0.405", "Economic Capital Ratio": "-15.6", "Other Revenues": "0.254", "Other Expenses": "0.285", "Premiums Earned": "0.242", "Investment Income": "-0.319"}, "2019": {"Premiums Receivable": "-0.191", "Assets": "4.47", "Liabilities": "-37.6", "Stockholders Equity": "-4.94", "ECR before LimitedLiability": "-17.1", "Investments": "4.98", "Assets, Non-Current": "0.508", "Intangible Assets": "-0.471", "Other Assets": "-3.33", "Reinsurance Recoverables": "1.83", "Assets, Current": "-0.742", "Policyholder Contract Deposits": "0.472", "Reinsurance Payable": "-0.197", "Long Term Debt": "0.425", "Liabilities Current": "0.208", "Other Liabilities": "-39.6", "Claims Reserve and LAE": "-0.222", "Unearned Premiums": "0.571", "Economic Capital Ratio": "-16.5", "Other Expenses": "0.191", "Other Revenues": "0.174"}, "2020": {"Intangible Assets": "-0.406", "Assets": "5.76", "Liabilities": "-39.2", "Stockholders Equity": "-3.31", "ECR before LimitedLiability": "-17.8", "Assets, Current": "-1.81", "Other Assets": "12.6", "Deferred Policy Acquisition Costs": "-0.144", "Reinsurance Recoverables": "-0.613", "Investments": "-10.9", "Premiums Receivable": "-0.115", "Assets, Non-Current": "0.448", "Other Liabilities": "-39.8", "Long Term Debt": "-0.756", "Claims Reserve and LAE": "-0.115", "Policyholder Contract Deposits": "0.672", "Liabilities Current": "0.182", "Unearned Premiums": "0.448", "Economic Capital Ratio": "-17.1", "Other Revenues": "0.0977", "Investment Income": "-0.123"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/plot_over_time/0001042046_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "1,099,000", "Assets, Non-Current": "606,000", "Claims Reserve and LAE": "6,413,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,244,000", "General and Administrative Expense": "378,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "186,000", "Investment Income": "0", "Investments": "22,670,000", "Liabilities Current": "0", "Long Term Debt": "952,000", "Other Assets": "2,112,000", "Other Compr. Net Income": "0", "Other Expenses": "2,239,000", "Other Liabilities": "17,999,000", "Other Net Income": "0", "Other Revenues": "1,947,000", "Policyholder Benefits and Claims": "1,457,000", "Policyholder Contract Deposits": "616,000", "Premiums Earned": "2,550,000", "Premiums Receivable": "535,000", "Reinsurance Payable": "320,000", "Reinsurance Recoverables": "3,386,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "616,000", "Unearned Premiums": "1,534,000"}, "output_variables": {"Assets": "32,454,000", "Liabilities": "27,834,000", "Expenses": "4,074,000", "Revenues": "4,497,000", "Stockholders Equity": "4,620,000", "Net Income": "423,000", "Comprehensive Net Income": "423,000", "BaseVar": "160,402,359", "ECR before LimitedLiability": "4.9%", "Economic Capital Ratio": "80%"}}, "2011": {"input_variables": {"Assets, Current": "1,324,000", "Assets, Non-Current": "757,000", "Claims Reserve and LAE": "6,520,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,105,000", "General and Administrative Expense": "363,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "186,000", "Investment Income": "0", "Investments": "25,577,000", "Liabilities Current": "0", "Long Term Debt": "934,000", "Other Assets": "2,629,000", "Other Compr. Net Income": "0", "Other Expenses": "2,323,000", "Other Liabilities": "21,390,000", "Other Net Income": "0", "Other Revenues": "1,991,000", "Policyholder Benefits and Claims": "1,744,000", "Policyholder Contract Deposits": "548,000", "Premiums Earned": "2,759,000", "Premiums Receivable": "565,000", "Reinsurance Payable": "475,000", "Reinsurance Recoverables": "3,351,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "548,000", "Unearned Premiums": "1,484,000"}, "output_variables": {"Assets": "36,042,000", "Liabilities": "31,351,000", "Expenses": "4,430,000", "Revenues": "4,750,000", "Stockholders Equity": "4,691,000", "Net Income": "320,000", "Comprehensive Net Income": "320,000", "BaseVar": "265,514,682", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "81%"}}, "2012": {"input_variables": {"Assets, Current": "1,705,000", "Assets, Non-Current": "786,000", "Claims Reserve and LAE": "6,845,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "550,000", "General and Administrative Expense": "404,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "185,000", "Investment Income": "0", "Investments": "28,449,000", "Liabilities Current": "0", "Long Term Debt": "953,000", "Other Assets": "2,059,000", "Other Compr. Net Income": "338,000", "Other Expenses": "2,383,000", "Other Liabilities": "23,919,000", "Other Net Income": "0", "Other Revenues": "2,215,000", "Policyholder Benefits and Claims": "1,873,000", "Policyholder Contract Deposits": "580,000", "Premiums Earned": "2,847,000", "Premiums Receivable": "636,000", "Reinsurance Payable": "475,000", "Reinsurance Recoverables": "4,221,000", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "580,000", "Unearned Premiums": "1,651,000"}, "output_variables": {"Assets": "39,171,000", "Liabilities": "34,423,000", "Expenses": "4,660,000", "Revenues": "5,062,000", "Stockholders Equity": "4,748,000", "Net Income": "402,000", "Comprehensive Net Income": "571,000", "BaseVar": "329,238,860", "ECR before LimitedLiability": "4.9%", "Economic Capital Ratio": "80%"}}, "2013": {"input_variables": {"Assets, Current": "1,639,000", "Assets, Non-Current": "903,000", "Claims Reserve and LAE": "6,410,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "975,000", "General and Administrative Expense": "330,794", "Insurance Commissions and Fees": "0", "Intangible Assets": "185,000", "Investment Income": "1,346,000", "Investments": "31,313,000", "Liabilities Current": "0", "Long Term Debt": "913,000", "Other Assets": "2,103,000", "Other Compr. Net Income": "337,372", "Other Expenses": "2,268,758", "Other Liabilities": "27,065,000", "Other Net Income": "0", "Other Revenues": "655,319", "Policyholder Benefits and Claims": "2,085,601", "Policyholder Contract Deposits": "665,000", "Premiums Earned": "3,238,843", "Premiums Receivable": "739,000", "Reinsurance Payable": "508,000", "Reinsurance Recoverables": "3,565,000", "Revenues Y+1": "5,245,298", "Revenues Y+2": "5,239,289", "Revenues Y+3": "5,240,182", "Revenues Y+4": "5,240,158", "Revenues Y+5": "5,240,163", "Separate Account Asset": "665,000", "Unearned Premiums": "1,757,000"}, "output_variables": {"Assets": "42,087,000", "Liabilities": "37,318,000", "Expenses": "4,685,153", "Revenues": "5,240,163", "Stockholders Equity": "4,769,000", "Net Income": "555,010", "Comprehensive Net Income": "723,696", "BaseVar": "216,645,394", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "87%"}}, "2014": {"input_variables": {"Assets, Current": "1,343,000", "Assets, Non-Current": "1,027,000", "Claims Reserve and LAE": "7,872,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "821,000", "General and Administrative Expense": "282,713", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,000", "Investment Income": "1,521,172", "Investments": "36,210,000", "Liabilities Current": "0", "Long Term Debt": "1,061,000", "Other Assets": "2,675,000", "Other Compr. Net Income": "-251,006", "Other Expenses": "2,540,392", "Other Liabilities": "30,285,000", "Other Net Income": "0", "Other Revenues": "331,823", "Policyholder Benefits and Claims": "2,641,676", "Policyholder Contract Deposits": "662,000", "Premiums Earned": "3,972,736", "Premiums Receivable": "889,000", "Reinsurance Payable": "645,000", "Reinsurance Recoverables": "3,707,000", "Revenues Y+1": "5,811,758", "Revenues Y+2": "5,824,028", "Revenues Y+3": "5,825,526", "Revenues Y+4": "5,825,709", "Revenues Y+5": "5,825,731", "Separate Account Asset": "662,000", "Unearned Premiums": "1,956,000"}, "output_variables": {"Assets": "47,535,000", "Liabilities": "42,481,000", "Expenses": "5,464,782", "Revenues": "5,825,731", "Stockholders Equity": "5,054,000", "Net Income": "360,949", "Comprehensive Net Income": "235,447", "BaseVar": "306,128,319", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "84%"}}, "2015": {"input_variables": {"Assets, Current": "1,220,000", "Assets, Non-Current": "1,212,000", "Claims Reserve and LAE": "8,127,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,184,000", "General and Administrative Expense": "334,053", "Insurance Commissions and Fees": "0", "Intangible Assets": "199,000", "Investment Income": "1,651,821", "Investments": "37,736,000", "Liabilities Current": "0", "Long Term Debt": "1,020,000", "Other Assets": "3,647,000", "Other Compr. Net Income": "212,187", "Other Expenses": "2,752,177", "Other Liabilities": "32,683,000", "Other Net Income": "0", "Other Revenues": "287,454", "Policyholder Benefits and Claims": "2,766,325", "Policyholder Contract Deposits": "608,000", "Premiums Earned": "4,284,135", "Premiums Receivable": "937,000", "Reinsurance Payable": "591,000", "Reinsurance Recoverables": "3,116,000", "Revenues Y+1": "6,212,168", "Revenues Y+2": "6,221,804", "Revenues Y+3": "6,223,183", "Revenues Y+4": "6,223,382", "Revenues Y+5": "6,223,410", "Separate Account Asset": "608,000", "Unearned Premiums": "2,060,000"}, "output_variables": {"Assets": "49,859,000", "Liabilities": "45,089,000", "Expenses": "5,852,556", "Revenues": "6,223,410", "Stockholders Equity": "4,770,000", "Net Income": "370,855", "Comprehensive Net Income": "476,948", "BaseVar": "321,763,142", "ECR before LimitedLiability": "8.6%", "Economic Capital Ratio": "84%"}}, "2016": {"input_variables": {"Assets, Current": "2,107,000", "Assets, Non-Current": "1,655,000", "Claims Reserve and LAE": "8,563,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,239,000", "General and Administrative Expense": "352,257", "Insurance Commissions and Fees": "0", "Intangible Assets": "199,000", "Investment Income": "1,705,256", "Investments": "41,433,000", "Liabilities Current": "0", "Long Term Debt": "1,283,000", "Other Assets": "3,566,000", "Other Compr. Net Income": "-425,700", "Other Expenses": "2,713,828", "Other Liabilities": "36,902,000", "Other Net Income": "0", "Other Revenues": "475,962", "Policyholder Benefits and Claims": "2,785,916", "Policyholder Contract Deposits": "600,000", "Premiums Earned": "4,346,436", "Premiums Receivable": "997,000", "Reinsurance Payable": "634,000", "Reinsurance Recoverables": "3,276,000", "Revenues Y+1": "6,523,673", "Revenues Y+2": "6,527,086", "Revenues Y+3": "6,527,574", "Revenues Y+4": "6,527,644", "Revenues Y+5": "6,527,654", "Separate Account Asset": "600,000", "Unearned Premiums": "2,171,000"}, "output_variables": {"Assets": "55,072,000", "Liabilities": "50,153,000", "Expenses": "5,852,002", "Revenues": "6,527,654", "Stockholders Equity": "4,919,000", "Net Income": "675,653", "Comprehensive Net Income": "462,803", "BaseVar": "309,748,161", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "83%"}}, "2017": {"input_variables": {"Assets, Current": "2,338,000", "Assets, Non-Current": "1,504,000", "Claims Reserve and LAE": "9,678,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,216,000", "General and Administrative Expense": "419,248", "Insurance Commissions and Fees": "0", "Intangible Assets": "199,000", "Investment Income": "1,851,603", "Investments": "46,048,000", "Liabilities Current": "0", "Long Term Debt": "1,301,000", "Other Assets": "3,594,000", "Other Compr. Net Income": "167,090", "Other Expenses": "3,022,871", "Other Liabilities": "40,548,000", "Other Net Income": "0", "Other Revenues": "454,811", "Policyholder Benefits and Claims": "3,025,564", "Policyholder Contract Deposits": "644,000", "Premiums Earned": "4,624,672", "Premiums Receivable": "1,146,000", "Reinsurance Payable": "743,000", "Reinsurance Recoverables": "3,969,000", "Revenues Y+1": "6,921,333", "Revenues Y+2": "6,929,647", "Revenues Y+3": "6,930,877", "Revenues Y+4": "6,931,059", "Revenues Y+5": "6,931,087", "Separate Account Asset": "644,000", "Unearned Premiums": "2,410,000"}, "output_variables": {"Assets": "60,658,000", "Liabilities": "55,324,000", "Expenses": "6,467,683", "Revenues": "6,931,087", "Stockholders Equity": "5,334,000", "Net Income": "463,404", "Comprehensive Net Income": "546,949", "BaseVar": "340,613,060", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "83%"}}, "2018": {"input_variables": {"Assets, Current": "1,515,000", "Assets, Non-Current": "1,529,000", "Claims Reserve and LAE": "9,741,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,682,000", "General and Administrative Expense": "357,506", "Insurance Commissions and Fees": "0", "Intangible Assets": "207,000", "Investment Income": "2,140,430", "Investments": "48,498,000", "Liabilities Current": "0", "Long Term Debt": "1,302,000", "Other Assets": "4,275,000", "Other Compr. Net Income": "4,336", "Other Expenses": "3,291,872", "Other Liabilities": "43,537,000", "Other Net Income": "0", "Other Revenues": "188,170", "Policyholder Benefits and Claims": "3,020,524", "Policyholder Contract Deposits": "557,000", "Premiums Earned": "4,920,458", "Premiums Receivable": "1,234,000", "Reinsurance Payable": "752,000", "Reinsurance Recoverables": "3,959,000", "Revenues Y+1": "7,233,122", "Revenues Y+2": "7,246,560", "Revenues Y+3": "7,248,674", "Revenues Y+4": "7,249,006", "Revenues Y+5": "7,249,059", "Separate Account Asset": "557,000", "Unearned Premiums": "2,595,000"}, "output_variables": {"Assets": "63,456,000", "Liabilities": "58,484,000", "Expenses": "6,669,903", "Revenues": "7,249,059", "Stockholders Equity": "4,972,000", "Net Income": "579,156", "Comprehensive Net Income": "581,324", "BaseVar": "306,964,662", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "83%"}}, "2019": {"input_variables": {"Assets, Current": "2,314,000", "Assets, Non-Current": "1,867,000", "Claims Reserve and LAE": "10,232,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "1,037,000", "General and Administrative Expense": "400,728", "Insurance Commissions and Fees": "0", "Intangible Assets": "207,000", "Investment Income": "2,346,711", "Investments": "55,252,000", "Liabilities Current": "0", "Long Term Debt": "1,473,000", "Other Assets": "3,397,000", "Other Compr. Net Income": "-528,122", "Other Expenses": "3,724,703", "Other Liabilities": "47,884,000", "Other Net Income": "0", "Other Revenues": "742,823", "Policyholder Benefits and Claims": "3,371,254", "Policyholder Contract Deposits": "628,000", "Premiums Earned": "5,251,925", "Premiums Receivable": "1,335,000", "Reinsurance Payable": "814,000", "Reinsurance Recoverables": "4,093,000", "Revenues Y+1": "8,322,265", "Revenues Y+2": "8,338,165", "Revenues Y+3": "8,340,903", "Revenues Y+4": "8,341,376", "Revenues Y+5": "8,341,458", "Separate Account Asset": "628,000", "Unearned Premiums": "2,830,000"}, "output_variables": {"Assets": "70,130,000", "Liabilities": "63,861,000", "Expenses": "7,496,685", "Revenues": "8,341,458", "Stockholders Equity": "6,269,000", "Net Income": "844,773", "Comprehensive Net Income": "580,712", "BaseVar": "506,948,865", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "83%"}}, "2020": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,626,000", "Claims Reserve and LAE": "10,392,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "546,000", "General and Administrative Expense": "428,141", "Insurance Commissions and Fees": "0", "Intangible Assets": "207,000", "Investment Income": "2,101,538", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,963,000", "Other Assets": "68,524,000", "Other Compr. Net Income": "636,772", "Other Expenses": "3,475,018", "Other Liabilities": "50,148,000", "Other Net Income": "0", "Other Revenues": "679,137", "Policyholder Benefits and Claims": "3,271,000", "Policyholder Contract Deposits": "664,000", "Premiums Earned": "5,081,765", "Premiums Receivable": "1,231,000", "Reinsurance Payable": "807,000", "Reinsurance Recoverables": "768,000", "Revenues Y+1": "7,869,939", "Revenues Y+2": "7,863,613", "Revenues Y+3": "7,862,622", "Revenues Y+4": "7,862,465", "Revenues Y+5": "7,862,441", "Separate Account Asset": "664,000", "Unearned Premiums": "2,803,000"}, "output_variables": {"Assets": "73,566,000", "Liabilities": "66,777,000", "Expenses": "7,174,158", "Revenues": "7,862,441", "Stockholders Equity": "6,789,000", "Net Income": "688,283", "Comprehensive Net Income": "1,006,669", "BaseVar": "912,825,863", "ECR before LimitedLiability": "9.9%", "Economic Capital Ratio": "85%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 3394500000.0, "future_profits": 3566396221.054177, "valuation_correction": 576431.1327259608, "limited_liability_put_option": 52905449319.79703, "fair_value": 59866921971.98393, "market_value": 4361755289.325752}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0001042046.svg", "value": 0.7953155482127625, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0001042046.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0001042046.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0001042046.svg"}, {"company_id": "0000814585", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution_0000814585.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2020/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": 57, "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/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 12% points.The greatest weakness of MBIA INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 73% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 76%, being 21% points below the market average of 97%.", "report_url": "https://www.realrate-archive.com/us_non_life/2020/report/0000814585_2021_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"}, "2019": {"Premiums Receivable": "1.31", "Assets": "13.1", "Liabilities": "-59.8", "Stockholders Equity": "2.60", "ECR before LimitedLiability": "-15.6", "Investments": "-4.71", "Assets, Non-Current": "-0.282", "Other Assets": "18.0", "Reinsurance Recoverables": "-0.380", "Assets, Current": "-0.271", "Policyholder Contract Deposits": "0.341", "Long Term Debt": "-18.5", "Other Liabilities": "-37.8", "Claims Reserve and LAE": "2.68", "Unearned Premiums": "0.977", "Expenses": "-0.419", "Policyholder Benefits and Claims": "-0.225", "Economic Capital Ratio": "-15.0", "Other Revenues": "-0.817", "Premiums Earned": "0.531", "Other Compr. Net Income": "0.356"}, "2020": {"Intangible Assets": "-0.287", "Assets": "7.44", "Liabilities": "-58.9", "Stockholders Equity": "-2.79", "ECR before LimitedLiability": "-21.2", "Assets, Current": "0.477", "Other Assets": "12.1", "Deferred Policy Acquisition Costs": "-0.268", "Reinsurance Recoverables": "-0.592", "Investments": "-6.17", "Premiums Receivable": "0.545", "Assets, Non-Current": "-0.336", "Other Liabilities": "-72.9", "Long Term Debt": "0.338", "Reinsurance Payable": "0.249", "Claims Reserve and LAE": "0.563", "Policyholder Contract Deposits": "0.543", "Unearned Premiums": "0.544", "Economic Capital Ratio": "-20.5", "Other Revenues": "-0.384", "Premiums Earned": "0.256"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2020/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%"}}, "2019": {"input_variables": {"Assets, Current": "83,000", "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": "2,228,000", "Other Assets": "6,952,000", "Other Compr. Net Income": "43,196", "Other Expenses": "45,323", "Other Liabilities": "4,217,000", "Other Net Income": "0", "Other Revenues": "370,976", "Policyholder Benefits and Claims": "-7,189", "Policyholder Contract Deposits": "0", "Premiums Earned": "29,854", "Premiums Receivable": "249,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "382,215", "Revenues Y+2": "395,229", "Revenues Y+3": "399,662", "Revenues Y+4": "400,589", "Revenues Y+5": "400,829", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "7,284,000", "Liabilities": "6,445,000", "Expenses": "38,135", "Revenues": "400,829", "Stockholders Equity": "839,000", "Net Income": "362,694", "Comprehensive Net Income": "384,292", "BaseVar": "19,825,787", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2020": {"input_variables": {"Assets, Current": "167,000", "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": "0", "Other Assets": "5,368,000", "Other Compr. Net Income": "131,005", "Other Expenses": "128,199", "Other Liabilities": "5,602,000", "Other Net Income": "0", "Other Revenues": "282,575", "Policyholder Benefits and Claims": "0", "Policyholder Contract Deposits": "0", "Premiums Earned": "0", "Premiums Receivable": "216,000", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "282,447", "Revenues Y+2": "282,546", "Revenues Y+3": "282,568", "Revenues Y+4": "282,573", "Revenues Y+5": "282,575", "Separate Account Asset": "0", "Unearned Premiums": "0"}, "output_variables": {"Assets": "5,751,000", "Liabilities": "5,602,000", "Expenses": "128,199", "Revenues": "282,575", "Stockholders Equity": "149,000", "Net Income": "154,376", "Comprehensive Net Income": "219,878", "BaseVar": "34,804,363", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "90%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 74500000.0, "future_profits": 778679402.0138053, "valuation_correction": -20880.338531478545, "limited_liability_put_option": 4264604314.483837, "fair_value": 5117762836.159111, "market_value": 160674081.1879109}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2020/valuation/valuation_0000814585.svg", "value": 0.7614477550948578, "company_index": "https://www.realrate-archive.com/us_non_life/2020/industry_indexes/0000814585.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2020/analytics/equity/0000814585.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2020/analytics/profit_loss/0000814585.svg"}], "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2020/feature_distribution/feature_distribution.svg", "final_var_label": "Economic Capital Ratio", "industry_box": [["Revenues", "1.13 K"], ["Assets", "2.54 K"], ["Expenses", "1.07 K"], ["Stockholders Equity", "610 B"]], "industry_id": "us_non_life", "industry_label": "Non-Life Insurance", "num_companies": 57, "num_top_companies": 14, "ecr_records": {"2009": {"0001156039": {"rank": 1, "ecr": "102"}, "0001067983": {"rank": 2, "ecr": "101"}, "0000049071": {"rank": 3, "ecr": "97"}, "0000731766": {"rank": 4, "ecr": "96"}, "0000060086": {"rank": 5, "ecr": "89"}, "0000080661": {"rank": 6, "ecr": "88"}, "0000896159": {"rank": 7, "ecr": "86"}, "0000086312": {"rank": 8, "ecr": "86"}, "0000005513": {"rank": 9, "ecr": "81"}, "0000005272": {"rank": 10, "ecr": "79"}, "0000899051": {"rank": 11, "ecr": "79"}, "0000004977": {"rank": 12, "ecr": "78"}, "0000874766": {"rank": 13, "ecr": "76"}, "0001126328": {"rank": 14, "ecr": "76"}}, "2010": {"0001156039": {"rank": 1, "ecr": "102"}, "0001067983": {"rank": 2, "ecr": "99"}, "0001331875": {"rank": 3, "ecr": "99"}, "0000049071": {"rank": 4, "ecr": "98"}, "0000064996": {"rank": 5, "ecr": "98"}, "0001071739": {"rank": 6, "ecr": "97"}, "0000731766": {"rank": 7, "ecr": "97"}, "0001472787": {"rank": 8, "ecr": "92"}, "0001095073": {"rank": 9, "ecr": "92"}, "0001214816": {"rank": 10, "ecr": "92"}, "0000020286": {"rank": 11, "ecr": "92"}, "0000084246": {"rank": 12, "ecr": "91"}, "0000060086": {"rank": 13, "ecr": "90"}, "0001096343": {"rank": 14, "ecr": "89"}, "0000776867": {"rank": 15, "ecr": "89"}, "0000944695": {"rank": 16, "ecr": "89"}, "0000947484": {"rank": 17, "ecr": "89"}, "0000080661": {"rank": 18, "ecr": "89"}, "0000896159": {"rank": 19, "ecr": "88"}, "0000074260": {"rank": 20, "ecr": "87"}, "0000860748": {"rank": 21, "ecr": "87"}, "0000086312": {"rank": 22, "ecr": "86"}, "0000011544": {"rank": 23, "ecr": "84"}, "0000230557": {"rank": 24, "ecr": "84"}, "0000876437": {"rank": 25, "ecr": "83"}, "0001267238": {"rank": 26, "ecr": "82"}, "0000005272": {"rank": 27, "ecr": "82"}, "0000005513": {"rank": 28, "ecr": "81"}, "0000899051": {"rank": 29, "ecr": "81"}, "0001042046": {"rank": 30, "ecr": "80"}, "0001379041": {"rank": 31, "ecr": "80"}, "0000004977": {"rank": 32, "ecr": "78"}, "0001126328": {"rank": 33, "ecr": "77"}, "0000874766": {"rank": 34, "ecr": "77"}}, "2011": {"0000720858": {"rank": 1, "ecr": "120"}, "0001331875": {"rank": 2, "ecr": "102"}, "0001179929": {"rank": 3, "ecr": "102"}, "0000064996": {"rank": 4, "ecr": "102"}, "0001156039": {"rank": 5, "ecr": "101"}, "0001172052": {"rank": 6, "ecr": "101"}, "0001067983": {"rank": 7, "ecr": "100"}, "0001071739": {"rank": 8, "ecr": "99"}, "0000731766": {"rank": 9, "ecr": "99"}, "0000094344": {"rank": 10, "ecr": "98"}, "0001472787": {"rank": 11, "ecr": "96"}, "0001385613": {"rank": 12, "ecr": "95"}, "0000776867": {"rank": 13, "ecr": "93"}, "0000020286": {"rank": 14, "ecr": "92"}, "0001095073": {"rank": 15, "ecr": "92"}, "0000060086": {"rank": 16, "ecr": "91"}, "0001214816": {"rank": 17, "ecr": "91"}, "0001018979": {"rank": 18, "ecr": "91"}, "0001096343": {"rank": 19, "ecr": "91"}, "0000084246": {"rank": 20, "ecr": "91"}, "0001400810": {"rank": 21, "ecr": "91"}, "0000896159": {"rank": 22, "ecr": "90"}, "0000860748": {"rank": 23, "ecr": "89"}, "0000947484": {"rank": 24, "ecr": "89"}, "0000080661": {"rank": 25, "ecr": "89"}, "0001273813": {"rank": 26, "ecr": "88"}, "0000074260": {"rank": 27, "ecr": "87"}, "0000086312": {"rank": 28, "ecr": "87"}, "0001412100": {"rank": 29, "ecr": "86"}, "0001401521": {"rank": 30, "ecr": "86"}, "0000011544": {"rank": 31, "ecr": "86"}, "0000005272": {"rank": 32, "ecr": "85"}, "0000944695": {"rank": 33, "ecr": "85"}, "0000230557": {"rank": 34, "ecr": "84"}, "0000101199": {"rank": 35, "ecr": "84"}, "0001267238": {"rank": 36, "ecr": "84"}, "0000890926": {"rank": 37, "ecr": "83"}, "0000891166": {"rank": 38, "ecr": "83"}, "0000899051": {"rank": 39, "ecr": "82"}, "0000850141": {"rank": 40, "ecr": "82"}, "0000005513": {"rank": 41, "ecr": "81"}, "0001042046": {"rank": 42, "ecr": "81"}, "0000004977": {"rank": 43, "ecr": "80"}, "0001126328": {"rank": 44, "ecr": "78"}, "0000874766": {"rank": 45, "ecr": "78"}}, "2012": {"0000720858": {"rank": 1, "ecr": "119"}, "0001331875": {"rank": 2, "ecr": "104"}, "0000094344": {"rank": 3, "ecr": "101"}, "0000049071": {"rank": 4, "ecr": "101"}, "0001172052": {"rank": 5, "ecr": "101"}, "0000064996": {"rank": 6, "ecr": "101"}, "0000731766": {"rank": 7, "ecr": "135"}, "0001179929": {"rank": 8, "ecr": "98"}, "0001156039": {"rank": 9, "ecr": "126"}, "0001472787": {"rank": 10, "ecr": "97"}, "0001400810": {"rank": 11, "ecr": "95"}, "0001071739": {"rank": 12, "ecr": "94"}, "0001095073": {"rank": 13, "ecr": "94"}, "0000776867": {"rank": 14, "ecr": "93"}, "0000020286": {"rank": 15, "ecr": "93"}, "0001096343": {"rank": 16, "ecr": "92"}, "0001385613": {"rank": 17, "ecr": "92"}, "0001018979": {"rank": 18, "ecr": "92"}, "0001214816": {"rank": 19, "ecr": "91"}, "0000896159": {"rank": 20, "ecr": "127"}, "0000084246": {"rank": 21, "ecr": "91"}, "0001273813": {"rank": 22, "ecr": "91"}, "0000947484": {"rank": 23, "ecr": "90"}, "0001401521": {"rank": 24, "ecr": "90"}, "0000860748": {"rank": 25, "ecr": "89"}, "0000080661": {"rank": 26, "ecr": "111"}, "0001412100": {"rank": 27, "ecr": "88"}, "0000086312": {"rank": 28, "ecr": "99"}, "0000074260": {"rank": 29, "ecr": "86"}, "0000011544": {"rank": 30, "ecr": "86"}, "0000944695": {"rank": 31, "ecr": "84"}, "0000005272": {"rank": 32, "ecr": "95"}, "0001072627": {"rank": 33, "ecr": "84"}, "0000891166": {"rank": 34, "ecr": "83"}, "0000899051": {"rank": 35, "ecr": "92"}, "0000230557": {"rank": 36, "ecr": "83"}, "0000850141": {"rank": 37, "ecr": "82"}, "0000005513": {"rank": 38, "ecr": "93"}, "0000890926": {"rank": 39, "ecr": "81"}, "0001042046": {"rank": 40, "ecr": "80"}, "0000004977": {"rank": 41, "ecr": "89"}, "0000874766": {"rank": 42, "ecr": "99"}, "0001126328": {"rank": 43, "ecr": "81"}, "0000876437": {"rank": 44, "ecr": "76"}}, "2013": {"0001576018": {"rank": 1, "ecr": "121"}, "0000720858": {"rank": 2, "ecr": "120"}, "0001331875": {"rank": 3, "ecr": "127"}, "0000094344": {"rank": 4, "ecr": "104"}, "0000049071": {"rank": 5, "ecr": "149"}, "0001172052": {"rank": 6, "ecr": "99"}, "0000064996": {"rank": 7, "ecr": "118"}, "0001156039": {"rank": 8, "ecr": "129"}, "0000731766": {"rank": 9, "ecr": "136"}, "0001472787": {"rank": 10, "ecr": "117"}, "0001095073": {"rank": 11, "ecr": "120"}, "0001071739": {"rank": 12, "ecr": "420"}, "0001385613": {"rank": 13, "ecr": "93"}, "0000020286": {"rank": 14, "ecr": "110"}, "0001018979": {"rank": 15, "ecr": "91"}, "0001273813": {"rank": 16, "ecr": "90"}, "0000896159": {"rank": 17, "ecr": "107"}, "0001400810": {"rank": 18, "ecr": "90"}, "0001214816": {"rank": 19, "ecr": "108"}, "0001179929": {"rank": 20, "ecr": "90"}, "0000084246": {"rank": 21, "ecr": "134"}, "0000947484": {"rank": 22, "ecr": "104"}, "0001096343": {"rank": 23, "ecr": "117"}, "0000080661": {"rank": 24, "ecr": "109"}, "0001401521": {"rank": 25, "ecr": "86"}, "0001412100": {"rank": 26, "ecr": "86"}, "0000074260": {"rank": 27, "ecr": "99"}, "0000101199": {"rank": 28, "ecr": "84"}, "0000814585": {"rank": 29, "ecr": "84"}, "0000944695": {"rank": 30, "ecr": "99"}, "0000005272": {"rank": 31, "ecr": "89"}, "0000891166": {"rank": 32, "ecr": "83"}, "0000230557": {"rank": 33, "ecr": "93"}, "0000890926": {"rank": 34, "ecr": "82"}, "0000899051": {"rank": 35, "ecr": "111"}, "0001267238": {"rank": 36, "ecr": "82"}, "0001379041": {"rank": 37, "ecr": "81"}, "0000005513": {"rank": 38, "ecr": "88"}, "0000876437": {"rank": 39, "ecr": "80"}, "0000850141": {"rank": 40, "ecr": "80"}, "0000004977": {"rank": 41, "ecr": "86"}, "0001042046": {"rank": 42, "ecr": "87"}, "0001072627": {"rank": 43, "ecr": "79"}, "0001126328": {"rank": 44, "ecr": "80"}, "0000874766": {"rank": 45, "ecr": "99"}}, "2014": {"0001448893": {"rank": 1, "ecr": "133"}, "0001584831": {"rank": 2, "ecr": "125"}, "0000720858": {"rank": 3, "ecr": "151"}, "0001591890": {"rank": 4, "ecr": "119"}, "0001371285": {"rank": 5, "ecr": "113"}, "0000094344": {"rank": 6, "ecr": "139"}, "0001331875": {"rank": 7, "ecr": "121"}, "0001172052": {"rank": 8, "ecr": "114"}, "0001598665": {"rank": 9, "ecr": "98"}, "0000049071": {"rank": 10, "ecr": "148"}, "0000064996": {"rank": 11, "ecr": "117"}, "0000731766": {"rank": 12, "ecr": "136"}, "0001156039": {"rank": 13, "ecr": "128"}, "0001095073": {"rank": 14, "ecr": "118"}, "0001273813": {"rank": 15, "ecr": "130"}, "0000020286": {"rank": 16, "ecr": "111"}, "0001401521": {"rank": 17, "ecr": "179"}, "0001472787": {"rank": 18, "ecr": "111"}, "0001071739": {"rank": 19, "ecr": "678"}, "0000947484": {"rank": 20, "ecr": "105"}, "0000060086": {"rank": 21, "ecr": "98"}, "0001096343": {"rank": 22, "ecr": "112"}, "0001018979": {"rank": 23, "ecr": "106"}, "0000896159": {"rank": 24, "ecr": "101"}, "0001400810": {"rank": 25, "ecr": "104"}, "0000084246": {"rank": 26, "ecr": "137"}, "0001214816": {"rank": 27, "ecr": "104"}, "0000080661": {"rank": 28, "ecr": "111"}, "0001412100": {"rank": 29, "ecr": "100"}, "0000814585": {"rank": 30, "ecr": "87"}, "0000891166": {"rank": 31, "ecr": "101"}, "0000021175": {"rank": 32, "ecr": "86"}, "0000074260": {"rank": 33, "ecr": "97"}, "0001179929": {"rank": 34, "ecr": "141"}, "0000005272": {"rank": 35, "ecr": "93"}, "0000944695": {"rank": 36, "ecr": "96"}, "0000899051": {"rank": 37, "ecr": "95"}, "0000876437": {"rank": 38, "ecr": "103"}, "0000230557": {"rank": 39, "ecr": "124"}, "0001379041": {"rank": 40, "ecr": "83"}, "0001267238": {"rank": 41, "ecr": "93"}, "0001072627": {"rank": 42, "ecr": "82"}, "0000004977": {"rank": 43, "ecr": "89"}, "0000850141": {"rank": 44, "ecr": "85"}, "0000005513": {"rank": 45, "ecr": "87"}, "0001042046": {"rank": 46, "ecr": "84"}, "0000874766": {"rank": 47, "ecr": "83"}}, "2015": {"0001448893": {"rank": 1, "ecr": "128"}, "0001584831": {"rank": 2, "ecr": "122"}, "0000720858": {"rank": 3, "ecr": "144"}, "0001371285": {"rank": 4, "ecr": "116"}, "0001591890": {"rank": 5, "ecr": "111"}, "0000094344": {"rank": 6, "ecr": "142"}, "0000890926": {"rank": 7, "ecr": "124"}, "0001502292": {"rank": 8, "ecr": "100"}, "0001598665": {"rank": 9, "ecr": "99"}, "0000049071": {"rank": 10, "ecr": "152"}, "0001273813": {"rank": 11, "ecr": "135"}, "0001576018": {"rank": 12, "ecr": "97"}, "0000064996": {"rank": 13, "ecr": "117"}, "0001095073": {"rank": 14, "ecr": "114"}, "0000876437": {"rank": 15, "ecr": "227"}, "0001172052": {"rank": 16, "ecr": "109"}, "0001156039": {"rank": 17, "ecr": "128"}, "0001400810": {"rank": 18, "ecr": "150"}, "0000020286": {"rank": 19, "ecr": "101"}, "0001472787": {"rank": 20, "ecr": "122"}, "0001620459": {"rank": 21, "ecr": "93"}, "0001401521": {"rank": 22, "ecr": "109"}, "0001096343": {"rank": 23, "ecr": "121"}, "0000731766": {"rank": 24, "ecr": "128"}, "0001071739": {"rank": 25, "ecr": "963"}, "0000947484": {"rank": 26, "ecr": "103"}, "0000060086": {"rank": 27, "ecr": "97"}, "0001018979": {"rank": 28, "ecr": "118"}, "0000084246": {"rank": 29, "ecr": "141"}, "0001214816": {"rank": 30, "ecr": "102"}, "0000891166": {"rank": 31, "ecr": "128"}, "0000896159": {"rank": 32, "ecr": "101"}, "0000080661": {"rank": 33, "ecr": "108"}, "0000814585": {"rank": 34, "ecr": "88"}, "0001412100": {"rank": 35, "ecr": "100"}, "0001179929": {"rank": 36, "ecr": "152"}, "0000074260": {"rank": 37, "ecr": "97"}, "0000101199": {"rank": 38, "ecr": "86"}, "0000021175": {"rank": 39, "ecr": "85"}, "0000944695": {"rank": 40, "ecr": "97"}, "0001379041": {"rank": 41, "ecr": "96"}, "0000230557": {"rank": 42, "ecr": "95"}, "0000899051": {"rank": 43, "ecr": "94"}, "0000005272": {"rank": 44, "ecr": "88"}, "0001267238": {"rank": 45, "ecr": "92"}, "0000004977": {"rank": 46, "ecr": "92"}, "0000005513": {"rank": 47, "ecr": "88"}, "0001224608": {"rank": 48, "ecr": "81"}, "0000850141": {"rank": 49, "ecr": "86"}, "0001042046": {"rank": 50, "ecr": "84"}, "0000874766": {"rank": 51, "ecr": "82"}}, "2016": {"0001584831": {"rank": 1, "ecr": "124"}, "0001448893": {"rank": 2, "ecr": "123"}, "0000720858": {"rank": 3, "ecr": "153"}, "0001371285": {"rank": 4, "ecr": "107"}, "0001591890": {"rank": 5, "ecr": "105"}, "0000890926": {"rank": 6, "ecr": "127"}, "0000094344": {"rank": 7, "ecr": "144"}, "0001273813": {"rank": 8, "ecr": "132"}, "0000876437": {"rank": 9, "ecr": "154"}, "0000049071": {"rank": 10, "ecr": "149"}, "0001156039": {"rank": 11, "ecr": "129"}, "0001172052": {"rank": 12, "ecr": "110"}, "0001095073": {"rank": 13, "ecr": "113"}, "0001576018": {"rank": 14, "ecr": "95"}, "0000064996": {"rank": 15, "ecr": "113"}, "0001400810": {"rank": 16, "ecr": "104"}, "0000891166": {"rank": 17, "ecr": "143"}, "0001598665": {"rank": 18, "ecr": "93"}, "0000020286": {"rank": 19, "ecr": "108"}, "0001669162": {"rank": 20, "ecr": "93"}, "0001472787": {"rank": 21, "ecr": "111"}, "0001502292": {"rank": 22, "ecr": "93"}, "0001096343": {"rank": 23, "ecr": "110"}, "0000731766": {"rank": 24, "ecr": "133"}, "0000947484": {"rank": 25, "ecr": "102"}, "0000814585": {"rank": 26, "ecr": "93"}, "0000060086": {"rank": 27, "ecr": "97"}, "0000896159": {"rank": 28, "ecr": "97"}, "0001214816": {"rank": 29, "ecr": "101"}, "0001071739": {"rank": 30, "ecr": "983"}, "0001018979": {"rank": 31, "ecr": "110"}, "0001620459": {"rank": 32, "ecr": "90"}, "0000084246": {"rank": 33, "ecr": "134"}, "0001267395": {"rank": 34, "ecr": "89"}, "0000080661": {"rank": 35, "ecr": "107"}, "0000860748": {"rank": 36, "ecr": "96"}, "0001401521": {"rank": 37, "ecr": "107"}, "0000074260": {"rank": 38, "ecr": "97"}, "0000101199": {"rank": 39, "ecr": "95"}, "0001379041": {"rank": 40, "ecr": "98"}, "0001179929": {"rank": 41, "ecr": "151"}, "0000021175": {"rank": 42, "ecr": "85"}, "0001412100": {"rank": 43, "ecr": "98"}, "0000230557": {"rank": 44, "ecr": "96"}, "0000944695": {"rank": 45, "ecr": "95"}, "0000899051": {"rank": 46, "ecr": "94"}, "0000005272": {"rank": 47, "ecr": "86"}, "0000005513": {"rank": 48, "ecr": "88"}, "0001267238": {"rank": 49, "ecr": "106"}, "0000850141": {"rank": 50, "ecr": "85"}, "0001042046": {"rank": 51, "ecr": "83"}}, "2017": {"0001448893": {"rank": 1, "ecr": "202"}, "0000720858": {"rank": 2, "ecr": "177"}, "0001681206": {"rank": 3, "ecr": "120"}, "0001584831": {"rank": 4, "ecr": "151"}, "0000876437": {"rank": 5, "ecr": "148"}, "0001331875": {"rank": 6, "ecr": "161"}, "0000890926": {"rank": 7, "ecr": "119"}, "0000094344": {"rank": 8, "ecr": "141"}, "0001273813": {"rank": 9, "ecr": "129"}, "0001371285": {"rank": 10, "ecr": "885"}, "0001591890": {"rank": 11, "ecr": "117"}, "0001172052": {"rank": 12, "ecr": "112"}, "0000020286": {"rank": 13, "ecr": "119"}, "0001576018": {"rank": 14, "ecr": "113"}, "0001156039": {"rank": 15, "ecr": "129"}, "0000731766": {"rank": 16, "ecr": "137"}, "0001472787": {"rank": 17, "ecr": "120"}, "0000049071": {"rank": 18, "ecr": "164"}, "0001669162": {"rank": 19, "ecr": "94"}, "0001095073": {"rank": 20, "ecr": "103"}, "0000064996": {"rank": 21, "ecr": "112"}, "0000947484": {"rank": 22, "ecr": "98"}, "0001071739": {"rank": 23, "ecr": "244"}, "0000060086": {"rank": 24, "ecr": "100"}, "0000896159": {"rank": 25, "ecr": "100"}, "0000891166": {"rank": 26, "ecr": "126"}, "0001096343": {"rank": 27, "ecr": "103"}, "0000084246": {"rank": 28, "ecr": "132"}, "0001018979": {"rank": 29, "ecr": "101"}, "0001401521": {"rank": 30, "ecr": "136"}, "0000860748": {"rank": 31, "ecr": "100"}, "0001620459": {"rank": 32, "ecr": "87"}, "0000080661": {"rank": 33, "ecr": "108"}, "0001379041": {"rank": 34, "ecr": "99"}, "0000074260": {"rank": 35, "ecr": "101"}, "0000101199": {"rank": 36, "ecr": "95"}, "0001400810": {"rank": 37, "ecr": "94"}, "0001502292": {"rank": 38, "ecr": "86"}, "0000230557": {"rank": 39, "ecr": "95"}, "0001214816": {"rank": 40, "ecr": "92"}, "0000021175": {"rank": 41, "ecr": "94"}, "0000899051": {"rank": 42, "ecr": "97"}, "0000944695": {"rank": 43, "ecr": "94"}, "0001598665": {"rank": 44, "ecr": "487"}, "0001412100": {"rank": 45, "ecr": "96"}, "0001179929": {"rank": 46, "ecr": "137"}, "0000005513": {"rank": 47, "ecr": "89"}, "0000005272": {"rank": 48, "ecr": "85"}, "0001267238": {"rank": 49, "ecr": "88"}, "0001042046": {"rank": 50, "ecr": "83"}}, "2018": {"0001448893": {"rank": 1, "ecr": "212"}, "0000720858": {"rank": 2, "ecr": "156"}, "0001584831": {"rank": 3, "ecr": "130"}, "0000876437": {"rank": 4, "ecr": "162"}, "0001371285": {"rank": 5, "ecr": "682"}, "0001681206": {"rank": 6, "ecr": "112"}, "0000890926": {"rank": 7, "ecr": "138"}, "0001331875": {"rank": 8, "ecr": "138"}, "0000094344": {"rank": 9, "ecr": "140"}, "0001273813": {"rank": 10, "ecr": "123"}, "0001591890": {"rank": 11, "ecr": "135"}, "0001576018": {"rank": 12, "ecr": "122"}, "0000049071": {"rank": 13, "ecr": "151"}, "0001156039": {"rank": 14, "ecr": "131"}, "0001172052": {"rank": 15, "ecr": "114"}, "0000731766": {"rank": 16, "ecr": "155"}, "0000020286": {"rank": 17, "ecr": "103"}, "0001071739": {"rank": 18, "ecr": "282"}, "0001472787": {"rank": 19, "ecr": "113"}, "0001669162": {"rank": 20, "ecr": "93"}, "0000947484": {"rank": 21, "ecr": "105"}, "0001095073": {"rank": 22, "ecr": "101"}, "0000101199": {"rank": 23, "ecr": "108"}, "0000896159": {"rank": 24, "ecr": "101"}, "0000064996": {"rank": 25, "ecr": "108"}, "0001096343": {"rank": 26, "ecr": "112"}, "0000060086": {"rank": 27, "ecr": "95"}, "0001739940": {"rank": 28, "ecr": "88"}, "0000891166": {"rank": 29, "ecr": "143"}, "0000074260": {"rank": 30, "ecr": "99"}, "0000860748": {"rank": 31, "ecr": "99"}, "0001379041": {"rank": 32, "ecr": "104"}, "0000084246": {"rank": 33, "ecr": "108"}, "0000944695": {"rank": 34, "ecr": "98"}, "0000080661": {"rank": 35, "ecr": "109"}, "0001620459": {"rank": 36, "ecr": "96"}, "0000230557": {"rank": 37, "ecr": "96"}, "0000011544": {"rank": 38, "ecr": "96"}, "0001400810": {"rank": 39, "ecr": "94"}, "0001598665": {"rank": 40, "ecr": "177"}, "0001214816": {"rank": 41, "ecr": "92"}, "0000021175": {"rank": 42, "ecr": "91"}, "0001502292": {"rank": 43, "ecr": "95"}, "0000004977": {"rank": 44, "ecr": "91"}, "0000005513": {"rank": 45, "ecr": "87"}, "0001267238": {"rank": 46, "ecr": "87"}, "0000005272": {"rank": 47, "ecr": "84"}, "0000850141": {"rank": 48, "ecr": "84"}, "0001412100": {"rank": 49, "ecr": "89"}, "0001042046": {"rank": 50, "ecr": "83"}}, "2019": {"0001591890": {"rank": 1, "ecr": "224"}, "0001584831": {"rank": 2, "ecr": "142"}, "0001448893": {"rank": 3, "ecr": "211"}, "0000720858": {"rank": 4, "ecr": "181"}, "0000876437": {"rank": 5, "ecr": "173"}, "0001681206": {"rank": 6, "ecr": "114"}, "0000890926": {"rank": 7, "ecr": "149"}, "0001761312": {"rank": 8, "ecr": "109"}, "0001331875": {"rank": 9, "ecr": "143"}, "0001371285": {"rank": 10, "ecr": "812"}, "0000094344": {"rank": 11, "ecr": "127"}, "0000049071": {"rank": 12, "ecr": "3,138"}, "0001576018": {"rank": 13, "ecr": "104"}, "0001156039": {"rank": 14, "ecr": "129"}, "0001172052": {"rank": 15, "ecr": "113"}, "0000020286": {"rank": 16, "ecr": "106"}, "0001472787": {"rank": 17, "ecr": "120"}, "0001669162": {"rank": 18, "ecr": "110"}, "0000731766": {"rank": 19, "ecr": "136"}, "0001095073": {"rank": 20, "ecr": "110"}, "0000947484": {"rank": 21, "ecr": "107"}, "0000896159": {"rank": 22, "ecr": "99"}, "0000860748": {"rank": 23, "ecr": "102"}, "0000064996": {"rank": 24, "ecr": "108"}, "0000101199": {"rank": 25, "ecr": "103"}, "0001096343": {"rank": 26, "ecr": "179"}, "0001379041": {"rank": 27, "ecr": "98"}, "0001739940": {"rank": 28, "ecr": "90"}, "0001179929": {"rank": 29, "ecr": "5.0"}, "0000891166": {"rank": 30, "ecr": "105"}, "0000074260": {"rank": 31, "ecr": "100"}, "0000084246": {"rank": 32, "ecr": "128"}, "0000060086": {"rank": 33, "ecr": "96"}, "0000080661": {"rank": 34, "ecr": "115"}, "0000230557": {"rank": 35, "ecr": "101"}, "0000944695": {"rank": 36, "ecr": "98"}, "0001400810": {"rank": 37, "ecr": "98"}, "0000874766": {"rank": 38, "ecr": "98"}, "0000011544": {"rank": 39, "ecr": "96"}, "0001214816": {"rank": 40, "ecr": "92"}, "0000899051": {"rank": 41, "ecr": "103"}, "0001598665": {"rank": 42, "ecr": "166"}, "0000021175": {"rank": 43, "ecr": "92"}, "0000004977": {"rank": 44, "ecr": "95"}, "0001502292": {"rank": 45, "ecr": "94"}, "0001620459": {"rank": 46, "ecr": "88"}, "0001412100": {"rank": 47, "ecr": "76"}, "0001224608": {"rank": 48, "ecr": "81"}, "0000005272": {"rank": 49, "ecr": "85"}, "0001267238": {"rank": 50, "ecr": "88"}, "0000850141": {"rank": 51, "ecr": "86"}, "0000814585": {"rank": 52, "ecr": "99"}, "0001042046": {"rank": 53, "ecr": "83"}}, "2020": {"0001591890": {"rank": 1, "ecr": "0.81"}, "0001584831": {"rank": 2, "ecr": "146"}, "0000776867": {"rank": 3, "ecr": "170"}, "0001448893": {"rank": 4, "ecr": "141"}, "0000720858": {"rank": 5, "ecr": "194"}, "0001371285": {"rank": 6, "ecr": "797"}, "0001691421": {"rank": 7, "ecr": "119"}, "0000876437": {"rank": 8, "ecr": "149"}, "0001788882": {"rank": 9, "ecr": "113"}, "0001681206": {"rank": 10, "ecr": "120"}, "0000890926": {"rank": 11, "ecr": "131"}, "0000094344": {"rank": 12, "ecr": "153"}, "0001761312": {"rank": 13, "ecr": "106"}, "0001172052": {"rank": 14, "ecr": "127"}, "0001576018": {"rank": 15, "ecr": "119"}, "0000049071": {"rank": 16, "ecr": "141"}, "0000020286": {"rank": 17, "ecr": "120"}, "0001472787": {"rank": 18, "ecr": "121"}, "0001156039": {"rank": 19, "ecr": "136"}, "0001071739": {"rank": 20, "ecr": "242"}, "0001669162": {"rank": 21, "ecr": "108"}, "0000731766": {"rank": 22, "ecr": "135"}, "0001739940": {"rank": 23, "ecr": "93"}, "0000947484": {"rank": 24, "ecr": "106"}, "0000064996": {"rank": 25, "ecr": "121"}, "0001096343": {"rank": 26, "ecr": "106"}, "0000896159": {"rank": 27, "ecr": "101"}, "0001379041": {"rank": 28, "ecr": "108"}, "0001095073": {"rank": 29, "ecr": "102"}, "0000033992": {"rank": 30, "ecr": "91"}, "0000084246": {"rank": 31, "ecr": "136"}, "0000074260": {"rank": 32, "ecr": "108"}, "0000101199": {"rank": 33, "ecr": "99"}, "0000080661": {"rank": 34, "ecr": "107"}, "0000891166": {"rank": 35, "ecr": "105"}, "0000874766": {"rank": 36, "ecr": "101"}, "0000086312": {"rank": 37, "ecr": "99"}, "0000944695": {"rank": 38, "ecr": "97"}, "0000060086": {"rank": 39, "ecr": "92"}, "0000899051": {"rank": 40, "ecr": "108"}, "0001179929": {"rank": 41, "ecr": "255"}, "0001400810": {"rank": 42, "ecr": "114"}, "0001214816": {"rank": 43, "ecr": "91"}, "0000004977": {"rank": 44, "ecr": "101"}, "0000021175": {"rank": 45, "ecr": "93"}, "0001598665": {"rank": 46, "ecr": "175"}, "0001412100": {"rank": 47, "ecr": "86"}, "0001502292": {"rank": 48, "ecr": "121"}, "0001331875": {"rank": 49, "ecr": "115"}, "0001620459": {"rank": 50, "ecr": "87"}, "0001224608": {"rank": 51, "ecr": "83"}, "0001401521": {"rank": 52, "ecr": "92"}, "0000850141": {"rank": 53, "ecr": "88"}, "0001267238": {"rank": 54, "ecr": "89"}, "0000005272": {"rank": 55, "ecr": "83"}, "0001042046": {"rank": 56, "ecr": "85"}, "0000814585": {"rank": 57, "ecr": "90"}}}, "rating_box": [["Top rated", "14 of 57"], ["Best, worst rating", "156 %, 76.1 %"], ["New companies", "7"]], "regression_plot": "https://www.realrate-archive.com/us_non_life/2020/backtesting_correlation/regression_2020.svg", "scentences": ["Cigna Group climbed 5 positions from 28 to 23 due to its excellent Liabilities.", "Fidelity National Financial Inc lost 40 positions from 9 to 49 due to its bad Policyholder Contract Deposits.", "White Mountains Insurance Group Ltd entered the 2021 ranking at rank 3, making it the best newcomer.", "The biggest company by assets, American International Group INC, is only ranked at place 55 whereas the smallest company, Oxbridge RE Holdings Ltd, is financially stronger at rank 2."], "url_segment": "2021-us-non-life", "year": 2021, "feature_importance": "https://www.realrate-archive.com/us_non_life/2020/feature_importance/feature_importance.svg", "obs_ecr": {"0000004977": {"2009": {"obs_EconomicCapitalRatio": 0.18270127791075627}, "2010": {"obs_EconomicCapitalRatio": 0.19213027332564475}, "2011": {"obs_EconomicCapitalRatio": 0.12660129392385364}, "2012": {"obs_EconomicCapitalRatio": 0.14882284954682387}, "2013": {"obs_EconomicCapitalRatio": 0.20253106634164073}, "2014": {"obs_EconomicCapitalRatio": 0.19215599668745598}, "2015": {"obs_EconomicCapitalRatio": 0.18383036574920297}, "2018": {"obs_EconomicCapitalRatio": 0.21967338472836884}, "2019": {"obs_EconomicCapitalRatio": 0.2403503633646621}, "2020": {"obs_EconomicCapitalRatio": 0.1830276177658639}, "2021": {"obs_EconomicCapitalRatio": 0.24556140181652147}, "2022": {"obs_EconomicCapitalRatio": 0.3434489094660214}, "2023": {"obs_EconomicCapitalRatio": 0.39048982058316195}, "2024": {"obs_EconomicCapitalRatio": 0.5294007236557979}, "2025": {"obs_EconomicCapitalRatio": 0.5629398433901058}}, "0000005513": {"2009": {"obs_EconomicCapitalRatio": 0.08309439491999843}, "2010": {"obs_EconomicCapitalRatio": 0.09436475519899316}, "2011": {"obs_EconomicCapitalRatio": 0.0722444046307598}, "2012": {"obs_EconomicCapitalRatio": 0.06654407341288998}, "2013": {"obs_EconomicCapitalRatio": 0.11313282082038802}, "2014": {"obs_EconomicCapitalRatio": 0.10643324586878104}, "2015": {"obs_EconomicCapitalRatio": 0.1028324794464806}, "2016": {"obs_EconomicCapitalRatio": 0.13037961086832567}, "2017": {"obs_EconomicCapitalRatio": 0.1541758132594166}, "2018": {"obs_EconomicCapitalRatio": 0.08352250668194627}, "2022": {"obs_EconomicCapitalRatio": 0.1297262841352426}, "2023": {"obs_EconomicCapitalRatio": 0.14044264035272183}, "2024": {"obs_EconomicCapitalRatio": 0.22781579389434017}, "2025": {"obs_EconomicCapitalRatio": 0.2246879590475278}}, "0001126328": {"2009": {"obs_EconomicCapitalRatio": 0.0337915709860417}, "2010": {"obs_EconomicCapitalRatio": 0.044180660295531284}, "2011": {"obs_EconomicCapitalRatio": 0.03178912063936859}, "2012": {"obs_EconomicCapitalRatio": 0.032882667587239935}, "2013": {"obs_EconomicCapitalRatio": 0.045691571806835696}, "2021": {"obs_EconomicCapitalRatio": 0.05476644312281655}, "2022": {"obs_EconomicCapitalRatio": 0.06389883412697026}, "2023": {"obs_EconomicCapitalRatio": 0.057362157922376075}}, "0000049071": {"2009": {"obs_EconomicCapitalRatio": 0.5905124140144068}, "2010": {"obs_EconomicCapitalRatio": 0.6357956083762126}, "2012": {"obs_EconomicCapitalRatio": 0.6161572849324873}, "2013": {"obs_EconomicCapitalRatio": 0.8981466092297112}, "2014": {"obs_EconomicCapitalRatio": 1.0826760674390539}, "2015": {"obs_EconomicCapitalRatio": 1.2367071339467743}, "2016": {"obs_EconomicCapitalRatio": 1.3923677862123092}, "2017": {"obs_EconomicCapitalRatio": 1.464873786397586}, "2018": {"obs_EconomicCapitalRatio": 1.781219811092972}, "2019": {"obs_EconomicCapitalRatio": 1.987658811065296}, "2020": {"obs_EconomicCapitalRatio": 1.8052523689868427}, "2021": {"obs_EconomicCapitalRatio": 1.559865822622209}, "2022": {"obs_EconomicCapitalRatio": 1.7602627997809024}, "2023": {"obs_EconomicCapitalRatio": 1.3916064567700284}, "2024": {"obs_EconomicCapitalRatio": 0.7811998208218761}, "2025": {"obs_EconomicCapitalRatio": 0.7705568398710264}}, "0000731766": {"2009": {"obs_EconomicCapitalRatio": 0.5978958299321979}, "2010": {"obs_EconomicCapitalRatio": 0.6107778287805175}, "2011": {"obs_EconomicCapitalRatio": 0.7936755645992045}, "2012": {"obs_EconomicCapitalRatio": 0.6936920283166035}, "2013": {"obs_EconomicCapitalRatio": 0.9324980802356481}, "2014": {"obs_EconomicCapitalRatio": 1.1716275534469842}, "2015": {"obs_EconomicCapitalRatio": 1.0123111303621748}, "2016": {"obs_EconomicCapitalRatio": 1.2803165733663218}, "2017": {"obs_EconomicCapitalRatio": 1.650248044684278}, "2018": {"obs_EconomicCapitalRatio": 1.6784608485417547}, "2019": {"obs_EconomicCapitalRatio": 1.746627600823903}, "2020": {"obs_EconomicCapitalRatio": 1.817333674959357}, "2021": {"obs_EconomicCapitalRatio": 2.483658131984431}, "2022": {"obs_EconomicCapitalRatio": 2.27513603836008}, "2023": {"obs_EconomicCapitalRatio": 2.0466833840881717}, "2024": {"obs_EconomicCapitalRatio": 1.8154606122388062}, "2025": {"obs_EconomicCapitalRatio": 1.1348861236735945}}, "0001156039": {"2009": {"obs_EconomicCapitalRatio": 0.5392136073560861}, "2010": {"obs_EconomicCapitalRatio": 0.46286645995684667}, "2011": {"obs_EconomicCapitalRatio": 0.45908305830091223}, "2012": {"obs_EconomicCapitalRatio": 0.32064644802770914}, "2013": {"obs_EconomicCapitalRatio": 0.4764835569406296}, "2014": {"obs_EconomicCapitalRatio": 0.5817561283928084}, "2015": {"obs_EconomicCapitalRatio": 0.6281932818769543}, "2016": {"obs_EconomicCapitalRatio": 0.638927104263451}, "2017": {"obs_EconomicCapitalRatio": 0.90267295984266}, "2018": {"obs_EconomicCapitalRatio": 1.0555951050862795}, "2019": {"obs_EconomicCapitalRatio": 1.1388000142779404}, "2020": {"obs_EconomicCapitalRatio": 1.0210524682567477}, "2021": {"obs_EconomicCapitalRatio": 1.3096177879328015}, "2022": {"obs_EconomicCapitalRatio": 1.3671012160417948}, "2024": {"obs_EconomicCapitalRatio": 0.8637146354451478}, "2025": {"obs_EconomicCapitalRatio": 0.7635167630018235}}, "0000005272": {"2009": {"obs_EconomicCapitalRatio": 0.00314614222871604}, "2010": {"obs_EconomicCapitalRatio": 0.007566021062462049}, "2011": {"obs_EconomicCapitalRatio": 0.06714274525715319}, "2012": {"obs_EconomicCapitalRatio": 0.07765721410376397}, "2013": {"obs_EconomicCapitalRatio": 0.11505282666853953}, "2014": {"obs_EconomicCapitalRatio": 0.1291735338726509}, "2015": {"obs_EconomicCapitalRatio": 0.12944076067474825}, "2016": {"obs_EconomicCapitalRatio": 0.11650673996452098}, "2017": {"obs_EconomicCapitalRatio": 0.09234576079387262}, "2018": {"obs_EconomicCapitalRatio": 0.060357723285512664}, "2019": {"obs_EconomicCapitalRatio": 0.0765972582799564}, "2020": {"obs_EconomicCapitalRatio": 0.05135901987669682}, "2021": {"obs_EconomicCapitalRatio": 0.07558807414892746}, "2022": {"obs_EconomicCapitalRatio": 0.08556542748024505}, "2023": {"obs_EconomicCapitalRatio": 0.08672542409536227}, "2024": {"obs_EconomicCapitalRatio": 0.31273915838985683}, "2025": {"obs_EconomicCapitalRatio": 0.3269432277316256}}, "0000060086": {"2009": {"obs_EconomicCapitalRatio": 0.2254384854373522}, "2010": {"obs_EconomicCapitalRatio": 0.2317402001218933}, "2011": {"obs_EconomicCapitalRatio": 0.21822184870316894}, "2014": {"obs_EconomicCapitalRatio": 0.22678934937116332}, "2015": {"obs_EconomicCapitalRatio": 0.20054789602477174}, "2016": {"obs_EconomicCapitalRatio": 0.2363292266201573}, "2017": {"obs_EconomicCapitalRatio": 0.24044920470368375}, "2018": {"obs_EconomicCapitalRatio": 0.20216062402222945}, "2019": {"obs_EconomicCapitalRatio": 0.20956451716737473}, "2020": {"obs_EconomicCapitalRatio": 0.16813111808408257}, "2022": {"obs_EconomicCapitalRatio": 0.19973437790176216}, "2023": {"obs_EconomicCapitalRatio": 0.21516366660108038}, "2024": {"obs_EconomicCapitalRatio": 0.24976287037992276}, "2025": {"obs_EconomicCapitalRatio": 0.2867819150536692}}, "0000080661": {"2009": {"obs_EconomicCapitalRatio": 0.4038176397715423}, "2010": {"obs_EconomicCapitalRatio": 0.4421215549945724}, "2011": {"obs_EconomicCapitalRatio": 0.39139137823159215}, "2012": {"obs_EconomicCapitalRatio": 0.43355954778023387}, "2013": {"obs_EconomicCapitalRatio": 0.5096232744023662}, "2014": {"obs_EconomicCapitalRatio": 0.5096572405569952}, "2015": {"obs_EconomicCapitalRatio": 0.529004937495829}, "2016": {"obs_EconomicCapitalRatio": 0.5371428324996684}, "2017": {"obs_EconomicCapitalRatio": 0.7451717855627975}, "2018": {"obs_EconomicCapitalRatio": 0.6715615306981046}, "2019": {"obs_EconomicCapitalRatio": 0.7196518637158001}, "2020": {"obs_EconomicCapitalRatio": 0.877297061582669}, "2021": {"obs_EconomicCapitalRatio": 0.8752915138700819}, "2022": {"obs_EconomicCapitalRatio": 1.0217234586557256}, "2023": {"obs_EconomicCapitalRatio": 1.0731521422505255}, "2024": {"obs_EconomicCapitalRatio": 1.3961989789432907}, "2025": {"obs_EconomicCapitalRatio": 1.161716347658464}}, "0000086312": {"2009": {"obs_EconomicCapitalRatio": 0.19282611027994442}, "2010": {"obs_EconomicCapitalRatio": 0.19399270244316316}, "2011": {"obs_EconomicCapitalRatio": 0.19100636637595725}, "2012": {"obs_EconomicCapitalRatio": 0.22319944294124774}, "2020": {"obs_EconomicCapitalRatio": 0.3079965819774907}, "2021": {"obs_EconomicCapitalRatio": 0.33269097238955525}, "2022": {"obs_EconomicCapitalRatio": 0.39315102061831103}, "2023": {"obs_EconomicCapitalRatio": 0.3588202697604127}, "2024": {"obs_EconomicCapitalRatio": 0.44813072132532344}, "2025": {"obs_EconomicCapitalRatio": 0.5082731825705534}}, "0000874766": {"2009": {"obs_EconomicCapitalRatio": 0.021754366768697138}, "2010": {"obs_EconomicCapitalRatio": 0.02796729465611716}, "2011": {"obs_EconomicCapitalRatio": 0.01840440181854516}, "2012": {"obs_EconomicCapitalRatio": 0.025795593828690122}, "2013": {"obs_EconomicCapitalRatio": 0.046578138378909506}, "2014": {"obs_EconomicCapitalRatio": 0.058930296655313755}, "2015": {"obs_EconomicCapitalRatio": 0.06476930423220159}, "2019": {"obs_EconomicCapitalRatio": 0.3029411867127359}, "2020": {"obs_EconomicCapitalRatio": 0.2360477049208775}, "2022": {"obs_EconomicCapitalRatio": 0.3403084258997907}, "2023": {"obs_EconomicCapitalRatio": 0.33291681327280254}, "2024": {"obs_EconomicCapitalRatio": 0.4253185130983822}, "2025": {"obs_EconomicCapitalRatio": 0.5013050219849486}}, "0000896159": {"2009": {"obs_EconomicCapitalRatio": 0.1775494132549814}, "2010": {"obs_EconomicCapitalRatio": 0.21312856420803478}, "2011": {"obs_EconomicCapitalRatio": 0.23430027060249295}, "2012": {"obs_EconomicCapitalRatio": 0.26689170266498835}, "2013": {"obs_EconomicCapitalRatio": 0.3398857987371138}, "2014": {"obs_EconomicCapitalRatio": 0.3726049564934194}, "2015": {"obs_EconomicCapitalRatio": 0.35899604999534196}, "2016": {"obs_EconomicCapitalRatio": 0.3852063636746138}, "2017": {"obs_EconomicCapitalRatio": 0.41437491084253386}, "2018": {"obs_EconomicCapitalRatio": 0.35895440271724105}, "2019": {"obs_EconomicCapitalRatio": 0.4250616003109941}, "2020": {"obs_EconomicCapitalRatio": 0.39407642729298215}, "2021": {"obs_EconomicCapitalRatio": 0.45784924844124364}, "2022": {"obs_EconomicCapitalRatio": 0.501364401859469}, "2023": {"obs_EconomicCapitalRatio": 0.4424869438903757}, "2024": {"obs_EconomicCapitalRatio": 0.5170989027711996}, "2025": {"obs_EconomicCapitalRatio": 0.5269704096463445}}, "0000899051": {"2009": {"obs_EconomicCapitalRatio": 0.08960316659365751}, "2010": {"obs_EconomicCapitalRatio": 0.10031207372626083}, "2011": {"obs_EconomicCapitalRatio": 0.08677912250124913}, "2012": {"obs_EconomicCapitalRatio": 0.10833796763039082}, "2013": {"obs_EconomicCapitalRatio": 0.16578948660032683}, "2014": {"obs_EconomicCapitalRatio": 0.23689533915123867}, "2015": {"obs_EconomicCapitalRatio": 0.20334471118674174}, "2016": {"obs_EconomicCapitalRatio": 0.225657290930854}, "2017": {"obs_EconomicCapitalRatio": 0.3048379642167232}, "2019": {"obs_EconomicCapitalRatio": 0.28902888082934636}, "2020": {"obs_EconomicCapitalRatio": 0.25752117973226707}, "2021": {"obs_EconomicCapitalRatio": 0.34126683789942946}, "2022": {"obs_EconomicCapitalRatio": 0.3712128273676411}, "2023": {"obs_EconomicCapitalRatio": 0.3640099799852426}, "2024": {"obs_EconomicCapitalRatio": 0.4927295176905847}, "2025": {"obs_EconomicCapitalRatio": 0.51686663458986}}, "0001067983": {"2009": {"obs_EconomicCapitalRatio": 0.015158675920362916}, "2010": {"obs_EconomicCapitalRatio": 0.00026297643065374676}, "2011": {"obs_EconomicCapitalRatio": 0.00023344056886891144}}, "0001071739": {"2010": {"obs_EconomicCapitalRatio": 0.8675660167982558}, "2011": {"obs_EconomicCapitalRatio": 1.1643000900652993}, "2012": {"obs_EconomicCapitalRatio": 0.9298334946624628}, "2013": {"obs_EconomicCapitalRatio": 1.0793362783517133}, "2014": {"obs_EconomicCapitalRatio": 1.2671540563135177}, "2015": {"obs_EconomicCapitalRatio": 1.2674824594815937}, "2016": {"obs_EconomicCapitalRatio": 0.5688107665177969}, "2017": {"obs_EconomicCapitalRatio": 0.9577035148943746}, "2018": {"obs_EconomicCapitalRatio": 0.9328930487451405}, "2020": {"obs_EconomicCapitalRatio": 0.612429375430586}, "2021": {"obs_EconomicCapitalRatio": 0.7565909260722983}, "2022": {"obs_EconomicCapitalRatio": 0.7136455833154735}, "2023": {"obs_EconomicCapitalRatio": 0.5499073163911337}, "2024": {"obs_EconomicCapitalRatio": 0.4400330102481944}, "2025": {"obs_EconomicCapitalRatio": 0.2940901182196953}}, "0000011544": {"2010": {"obs_EconomicCapitalRatio": 0.1819297334631879}, "2011": {"obs_EconomicCapitalRatio": 0.20553137274600775}, "2012": {"obs_EconomicCapitalRatio": 0.21594396889942066}, "2018": {"obs_EconomicCapitalRatio": 0.3418643069891362}, "2019": {"obs_EconomicCapitalRatio": 0.46636979758490255}, "2024": {"obs_EconomicCapitalRatio": 0.5914580962958806}, "2025": {"obs_EconomicCapitalRatio": 0.6735924187580046}}, "0000020286": {"2010": {"obs_EconomicCapitalRatio": 0.2530461236847649}, "2011": {"obs_EconomicCapitalRatio": 0.2425696738706092}, "2012": {"obs_EconomicCapitalRatio": 0.3145780308132058}, "2013": {"obs_EconomicCapitalRatio": 0.40782120386439197}, "2014": {"obs_EconomicCapitalRatio": 0.39952256267086117}, "2015": {"obs_EconomicCapitalRatio": 0.4706906731920836}, "2016": {"obs_EconomicCapitalRatio": 0.5792526429209155}, "2017": {"obs_EconomicCapitalRatio": 0.5509680453155608}, "2018": {"obs_EconomicCapitalRatio": 0.5711747969209465}, "2019": {"obs_EconomicCapitalRatio": 0.7007473927218487}, "2020": {"obs_EconomicCapitalRatio": 0.542556632173768}, "2021": {"obs_EconomicCapitalRatio": 0.6567491489528139}, "2022": {"obs_EconomicCapitalRatio": 0.6069364061594973}, "2023": {"obs_EconomicCapitalRatio": 0.5650258615340501}, "2024": {"obs_EconomicCapitalRatio": 0.7359394469489375}, "2025": {"obs_EconomicCapitalRatio": 0.7740537365922064}}, "0000064996": {"2010": {"obs_EconomicCapitalRatio": 0.3575286822604431}, "2011": {"obs_EconomicCapitalRatio": 0.4224682835903905}, "2012": {"obs_EconomicCapitalRatio": 0.38507204107684895}, "2013": {"obs_EconomicCapitalRatio": 0.4785526990002421}, "2014": {"obs_EconomicCapitalRatio": 0.5243024692222757}, "2015": {"obs_EconomicCapitalRatio": 0.4575370375011006}, "2016": {"obs_EconomicCapitalRatio": 0.5846425758512075}, "2017": {"obs_EconomicCapitalRatio": 0.4974019068179735}, "2018": {"obs_EconomicCapitalRatio": 0.463530262782005}, "2019": {"obs_EconomicCapitalRatio": 0.42723703227396986}, "2020": {"obs_EconomicCapitalRatio": 0.4500954487641004}, "2021": {"obs_EconomicCapitalRatio": 0.4413479095499487}, "2022": {"obs_EconomicCapitalRatio": 0.3006239894802755}, "2023": {"obs_EconomicCapitalRatio": 0.3132662206178906}, "2024": {"obs_EconomicCapitalRatio": 0.5011051853369471}, "2025": {"obs_EconomicCapitalRatio": 0.6196273908167605}}, "0000084246": {"2010": {"obs_EconomicCapitalRatio": 0.24596450044933327}, "2011": {"obs_EconomicCapitalRatio": 0.3549422141449377}, "2012": {"obs_EconomicCapitalRatio": 0.35028398358525725}, "2013": {"obs_EconomicCapitalRatio": 0.5316071567653499}, "2014": {"obs_EconomicCapitalRatio": 0.581613191690216}, "2015": {"obs_EconomicCapitalRatio": 0.7789579294929413}, "2016": {"obs_EconomicCapitalRatio": 0.8297753548194952}, "2017": {"obs_EconomicCapitalRatio": 0.7623728174112507}, "2018": {"obs_EconomicCapitalRatio": 0.8533768336412152}, "2019": {"obs_EconomicCapitalRatio": 1.0305899395230738}, "2020": {"obs_EconomicCapitalRatio": 1.1003612522922324}, "2021": {"obs_EconomicCapitalRatio": 1.0454232594909856}, "2022": {"obs_EconomicCapitalRatio": 1.2443942684154354}, "2023": {"obs_EconomicCapitalRatio": 1.1965450630602095}}, "0000230557": {"2010": {"obs_EconomicCapitalRatio": 0.15963606827881052}, "2011": {"obs_EconomicCapitalRatio": 0.14625704183005736}, "2012": {"obs_EconomicCapitalRatio": 0.13629557720493413}, "2013": {"obs_EconomicCapitalRatio": 0.21739473607426246}, "2014": {"obs_EconomicCapitalRatio": 0.21445432761338176}, "2015": {"obs_EconomicCapitalRatio": 0.2677794026834646}, "2016": {"obs_EconomicCapitalRatio": 0.330646456360709}, "2017": {"obs_EconomicCapitalRatio": 0.4380713906699862}, "2018": {"obs_EconomicCapitalRatio": 0.4456916407624901}, "2019": {"obs_EconomicCapitalRatio": 0.45635546816657074}, "2024": {"obs_EconomicCapitalRatio": 0.4621139898579252}, "2025": {"obs_EconomicCapitalRatio": 0.37870989413412387}}, "0000776867": {"2010": {"obs_EconomicCapitalRatio": 0.22030675368897823}, "2011": {"obs_EconomicCapitalRatio": 0.28637543794458487}, "2012": {"obs_EconomicCapitalRatio": 0.3101283952721307}, "2020": {"obs_EconomicCapitalRatio": 1.0561145505200527}, "2021": {"obs_EconomicCapitalRatio": 0.591903614358516}, "2022": {"obs_EconomicCapitalRatio": 0.6586794963045418}, "2023": {"obs_EconomicCapitalRatio": 0.6165448417584369}, "2024": {"obs_EconomicCapitalRatio": 0.6727326991700021}, "2025": {"obs_EconomicCapitalRatio": 0.5773889049241222}}, "0000860748": {"2010": {"obs_EconomicCapitalRatio": 0.145413180906224}, "2011": {"obs_EconomicCapitalRatio": 0.17989405614904908}, "2012": {"obs_EconomicCapitalRatio": 0.18227325058339636}, "2016": {"obs_EconomicCapitalRatio": 0.2602893134808936}, "2017": {"obs_EconomicCapitalRatio": 0.41125322342553744}, "2018": {"obs_EconomicCapitalRatio": 0.3562339103730676}, "2019": {"obs_EconomicCapitalRatio": 0.40301870653536026}, "2021": {"obs_EconomicCapitalRatio": 0.24751855410652768}, "2022": {"obs_EconomicCapitalRatio": 0.24395133907042815}, "2023": {"obs_EconomicCapitalRatio": 0.252491964450491}, "2024": {"obs_EconomicCapitalRatio": 0.35682118359469145}, "2025": {"obs_EconomicCapitalRatio": 0.21024123886605015}}, "0000944695": {"2010": {"obs_EconomicCapitalRatio": 0.1878168359258685}, "2011": {"obs_EconomicCapitalRatio": 0.09227672604149345}, "2012": {"obs_EconomicCapitalRatio": 0.09699046279495512}, "2013": {"obs_EconomicCapitalRatio": 0.15292916306847484}, "2014": {"obs_EconomicCapitalRatio": 0.18558255825986605}, "2015": {"obs_EconomicCapitalRatio": 0.21292586199691715}, "2016": {"obs_EconomicCapitalRatio": 0.23081555084250047}, "2017": {"obs_EconomicCapitalRatio": 0.25451940252413946}, "2018": {"obs_EconomicCapitalRatio": 0.33719351141974574}, "2019": {"obs_EconomicCapitalRatio": 0.4194018708121841}, "2020": {"obs_EconomicCapitalRatio": 0.32171129006262483}, "2021": {"obs_EconomicCapitalRatio": 0.326623146051611}, "2022": {"obs_EconomicCapitalRatio": 0.34561211381088625}}, "0000947484": {"2010": {"obs_EconomicCapitalRatio": 0.30427281096963327}, "2011": {"obs_EconomicCapitalRatio": 0.31918036672409744}, "2012": {"obs_EconomicCapitalRatio": 0.37140663235177596}, "2013": {"obs_EconomicCapitalRatio": 0.4434797926843754}, "2014": {"obs_EconomicCapitalRatio": 0.3938934074217826}, "2015": {"obs_EconomicCapitalRatio": 0.41745408873214157}, "2016": {"obs_EconomicCapitalRatio": 0.41047753840845463}, "2017": {"obs_EconomicCapitalRatio": 0.41823556793772826}, "2018": {"obs_EconomicCapitalRatio": 0.3763065136928279}, "2019": {"obs_EconomicCapitalRatio": 0.5162027957393106}, "2020": {"obs_EconomicCapitalRatio": 0.3744018405166084}, "2021": {"obs_EconomicCapitalRatio": 0.41873497031780904}, "2022": {"obs_EconomicCapitalRatio": 0.5319706385785954}, "2023": {"obs_EconomicCapitalRatio": 0.527686421408438}, "2024": {"obs_EconomicCapitalRatio": 0.5721120346051084}, "2025": {"obs_EconomicCapitalRatio": 0.5206489239999252}}, "0001042046": {"2010": {"obs_EconomicCapitalRatio": 0.04743634815104296}, "2011": {"obs_EconomicCapitalRatio": 0.04501596810724754}, "2012": {"obs_EconomicCapitalRatio": 0.04141183019095688}, "2013": {"obs_EconomicCapitalRatio": 0.05677629521805462}, "2014": {"obs_EconomicCapitalRatio": 0.05408148138350668}, "2015": {"obs_EconomicCapitalRatio": 0.06221892840038708}, "2016": {"obs_EconomicCapitalRatio": 0.07004424698110837}, "2017": {"obs_EconomicCapitalRatio": 0.0835122374085875}, "2018": {"obs_EconomicCapitalRatio": 0.06931040093606483}, "2019": {"obs_EconomicCapitalRatio": 0.08196995339031607}, "2020": {"obs_EconomicCapitalRatio": 0.06215850151878971}, "2021": {"obs_EconomicCapitalRatio": 0.31503015343946644}, "2022": {"obs_EconomicCapitalRatio": 0.3471504066436631}, "2023": {"obs_EconomicCapitalRatio": 0.3074630219915735}, "2024": {"obs_EconomicCapitalRatio": 0.3687531017039224}, "2025": {"obs_EconomicCapitalRatio": 0.3687930033954046}}, "0001095073": {"2010": {"obs_EconomicCapitalRatio": 0.2220237869693803}, "2011": {"obs_EconomicCapitalRatio": 0.20857368465097503}, "2012": {"obs_EconomicCapitalRatio": 0.2589350819619237}, "2013": {"obs_EconomicCapitalRatio": 0.34631321472029925}, "2014": {"obs_EconomicCapitalRatio": 0.3601376347203339}, "2015": {"obs_EconomicCapitalRatio": 0.3693079918502966}, "2016": {"obs_EconomicCapitalRatio": 0.4206176585503463}, "2017": {"obs_EconomicCapitalRatio": 0.38923910182384636}, "2018": {"obs_EconomicCapitalRatio": 0.359210462953734}, "2019": {"obs_EconomicCapitalRatio": 0.43164806627501606}, "2020": {"obs_EconomicCapitalRatio": 0.2953318324928749}, "2021": {"obs_EconomicCapitalRatio": 0.29394897999107716}, "2022": {"obs_EconomicCapitalRatio": 0.3433603544573974}, "2023": {"obs_EconomicCapitalRatio": 0.3444036438653139}, "2024": {"obs_EconomicCapitalRatio": 0.3054603634083807}, "2025": {"obs_EconomicCapitalRatio": 0.25481270436226094}}, "0001096343": {"2010": {"obs_EconomicCapitalRatio": 0.39829592285716936}, "2011": {"obs_EconomicCapitalRatio": 0.40272987569747404}, "2012": {"obs_EconomicCapitalRatio": 0.3939422653630004}, "2013": {"obs_EconomicCapitalRatio": 0.3909684358673224}, "2014": {"obs_EconomicCapitalRatio": 0.4483673113931484}, "2015": {"obs_EconomicCapitalRatio": 0.5871179438695204}, "2016": {"obs_EconomicCapitalRatio": 0.5856129051681008}, "2017": {"obs_EconomicCapitalRatio": 0.5623591633490853}, "2018": {"obs_EconomicCapitalRatio": 0.48859354105802383}, "2019": {"obs_EconomicCapitalRatio": 0.4935330121305016}, "2020": {"obs_EconomicCapitalRatio": 0.3882744922710438}, "2021": {"obs_EconomicCapitalRatio": 0.40785910564333355}, "2022": {"obs_EconomicCapitalRatio": 0.4061054748156833}, "2023": {"obs_EconomicCapitalRatio": 0.39077942837870366}, "2024": {"obs_EconomicCapitalRatio": 0.4177589471119446}, "2025": {"obs_EconomicCapitalRatio": 0.46266123465336556}}, "0001214816": {"2010": {"obs_EconomicCapitalRatio": 0.2152854165048812}, "2011": {"obs_EconomicCapitalRatio": 0.18897967085779713}, "2012": {"obs_EconomicCapitalRatio": 0.1857530668715168}, "2013": {"obs_EconomicCapitalRatio": 0.22922877532580713}, "2014": {"obs_EconomicCapitalRatio": 0.2261167054939548}, "2015": {"obs_EconomicCapitalRatio": 0.2393828313749295}, "2016": {"obs_EconomicCapitalRatio": 0.2514567204516343}, "2017": {"obs_EconomicCapitalRatio": 0.14861711117782483}, "2018": {"obs_EconomicCapitalRatio": 0.16039627116384245}, "2019": {"obs_EconomicCapitalRatio": 0.18303480496351285}, "2020": {"obs_EconomicCapitalRatio": 0.15836329562757512}, "2021": {"obs_EconomicCapitalRatio": 0.1611347922643146}, "2022": {"obs_EconomicCapitalRatio": 0.16835381055280518}, "2023": {"obs_EconomicCapitalRatio": 0.16063185519728845}, "2024": {"obs_EconomicCapitalRatio": 0.24866753578270173}, "2025": {"obs_EconomicCapitalRatio": 0.2658230508008099}}, "0001379041": {"2010": {"obs_EconomicCapitalRatio": 0.14523456612090088}, "2013": {"obs_EconomicCapitalRatio": 0.21334625946034627}, "2014": {"obs_EconomicCapitalRatio": 0.15565125244379963}, "2015": {"obs_EconomicCapitalRatio": 0.1941084792601204}, "2016": {"obs_EconomicCapitalRatio": 0.28010105572932326}, "2017": {"obs_EconomicCapitalRatio": 0.3312483133058227}, "2018": {"obs_EconomicCapitalRatio": 0.3070774508230737}, "2019": {"obs_EconomicCapitalRatio": 0.31164644975302525}, "2020": {"obs_EconomicCapitalRatio": 0.22878462501821223}, "2021": {"obs_EconomicCapitalRatio": 0.3032365114827685}, "2022": {"obs_EconomicCapitalRatio": 0.3280066378977895}, "2023": {"obs_EconomicCapitalRatio": 0.3098201302284765}, "2024": {"obs_EconomicCapitalRatio": 0.4002174803647429}, "2025": {"obs_EconomicCapitalRatio": 0.3212272877593517}}, "0000074260": {"2010": {"obs_EconomicCapitalRatio": 0.08432012777077437}, "2011": {"obs_EconomicCapitalRatio": 0.06495469584404565}, "2012": {"obs_EconomicCapitalRatio": 0.07813502398242561}, "2013": {"obs_EconomicCapitalRatio": 0.12857695349704476}, "2014": {"obs_EconomicCapitalRatio": 0.11400554950915014}, "2015": {"obs_EconomicCapitalRatio": 0.15198401859279487}, "2016": {"obs_EconomicCapitalRatio": 0.14967352647644055}, "2017": {"obs_EconomicCapitalRatio": 0.1659260394456171}, "2018": {"obs_EconomicCapitalRatio": 0.20717578889560032}, "2019": {"obs_EconomicCapitalRatio": 0.22518348209932704}, "2020": {"obs_EconomicCapitalRatio": 0.1863327450858334}, "2021": {"obs_EconomicCapitalRatio": 0.25370495808983695}, "2022": {"obs_EconomicCapitalRatio": 0.26420095257370063}, "2023": {"obs_EconomicCapitalRatio": 0.2901741455509078}, "2024": {"obs_EconomicCapitalRatio": 0.31237322810344437}, "2025": {"obs_EconomicCapitalRatio": 0.3954575923004105}}, "0000876437": {"2010": {"obs_EconomicCapitalRatio": 0.20475797688075323}, "2012": {"obs_EconomicCapitalRatio": 0.07662443432058201}, "2013": {"obs_EconomicCapitalRatio": 0.4604381802240697}, "2014": {"obs_EconomicCapitalRatio": 0.5629232409541304}, "2015": {"obs_EconomicCapitalRatio": 0.5443246326636377}, "2016": {"obs_EconomicCapitalRatio": 0.6754667834564332}, "2017": {"obs_EconomicCapitalRatio": 1.1415590423896125}, "2018": {"obs_EconomicCapitalRatio": 0.8021149124412927}, "2019": {"obs_EconomicCapitalRatio": 1.0467182027867914}, "2020": {"obs_EconomicCapitalRatio": 0.7398701035377391}, "2021": {"obs_EconomicCapitalRatio": 0.8469683809666377}, "2022": {"obs_EconomicCapitalRatio": 0.9065213160035347}, "2023": {"obs_EconomicCapitalRatio": 1.2694866833666298}, "2024": {"obs_EconomicCapitalRatio": 1.466471603480566}, "2025": {"obs_EconomicCapitalRatio": 1.6143083625637806}}, "0001331875": {"2010": {"obs_EconomicCapitalRatio": 0.3072636766341556}, "2011": {"obs_EconomicCapitalRatio": 0.3614991386049431}, "2012": {"obs_EconomicCapitalRatio": 0.4533307680297876}, "2013": {"obs_EconomicCapitalRatio": 0.7575921090192104}, "2014": {"obs_EconomicCapitalRatio": 0.8296322892977491}, "2017": {"obs_EconomicCapitalRatio": 1.1597894754348592}, "2018": {"obs_EconomicCapitalRatio": 0.941215762622934}, "2019": {"obs_EconomicCapitalRatio": 1.230507547025817}, "2020": {"obs_EconomicCapitalRatio": 0.19776719545915916}, "2021": {"obs_EconomicCapitalRatio": 0.21678732041423932}, "2022": {"obs_EconomicCapitalRatio": 0.14165646621080263}, "2023": {"obs_EconomicCapitalRatio": 0.16109495422159256}, "2024": {"obs_EconomicCapitalRatio": 0.1593951369098775}, "2025": {"obs_EconomicCapitalRatio": 0.1398485472404155}}, "0001472787": {"2010": {"obs_EconomicCapitalRatio": 0.20462148527394936}, "2011": {"obs_EconomicCapitalRatio": 0.19785629081011663}, "2012": {"obs_EconomicCapitalRatio": 0.3422898907928024}, "2013": {"obs_EconomicCapitalRatio": 0.37382398292472047}, "2014": {"obs_EconomicCapitalRatio": 0.39150998584332014}, "2015": {"obs_EconomicCapitalRatio": 0.40280923409240416}, "2016": {"obs_EconomicCapitalRatio": 0.40658138209930267}, "2017": {"obs_EconomicCapitalRatio": 0.6013930416250165}, "2018": {"obs_EconomicCapitalRatio": 0.4380411058449565}, "2019": {"obs_EconomicCapitalRatio": 0.5636719046971043}, "2020": {"obs_EconomicCapitalRatio": 0.4635948588201847}, "2021": {"obs_EconomicCapitalRatio": 0.5319973177957591}, "2022": {"obs_EconomicCapitalRatio": 0.3789142169335928}}, "0001267238": {"2010": {"obs_EconomicCapitalRatio": 0.12552773512279647}, "2011": {"obs_EconomicCapitalRatio": 0.1146112778571686}, "2013": {"obs_EconomicCapitalRatio": 0.13806664343787486}, "2014": {"obs_EconomicCapitalRatio": 0.1332873165058038}, "2015": {"obs_EconomicCapitalRatio": 0.15587198147367196}, "2016": {"obs_EconomicCapitalRatio": 0.15938333956908737}, "2017": {"obs_EconomicCapitalRatio": 0.15578391815284015}, "2018": {"obs_EconomicCapitalRatio": 0.12371299808132936}, "2019": {"obs_EconomicCapitalRatio": 0.17076886083363585}, "2020": {"obs_EconomicCapitalRatio": 0.170026186302454}, "2021": {"obs_EconomicCapitalRatio": 0.25880766453782944}, "2022": {"obs_EconomicCapitalRatio": 0.1988436626211147}, "2023": {"obs_EconomicCapitalRatio": 0.2692087014755474}, "2024": {"obs_EconomicCapitalRatio": 0.3284374080108527}, "2025": {"obs_EconomicCapitalRatio": 0.3592421517321917}}, "0001179929": {"2011": {"obs_EconomicCapitalRatio": 0.8021727046597409}, "2012": {"obs_EconomicCapitalRatio": 0.8185532563736303}, "2013": {"obs_EconomicCapitalRatio": 0.5919479993729765}, "2014": {"obs_EconomicCapitalRatio": 0.6526050377098287}, "2015": {"obs_EconomicCapitalRatio": 0.5923071728033976}, "2016": {"obs_EconomicCapitalRatio": 0.46879789956048423}, "2017": {"obs_EconomicCapitalRatio": 0.5604029677058902}, "2019": {"obs_EconomicCapitalRatio": 1.4658972725557011}, "2020": {"obs_EconomicCapitalRatio": 1.4443366293972362}, "2021": {"obs_EconomicCapitalRatio": 1.7015285412806074}, "2022": {"obs_EconomicCapitalRatio": 1.7981506054651437}, "2023": {"obs_EconomicCapitalRatio": 1.6339459472474833}, "2024": {"obs_EconomicCapitalRatio": 1.2560319441278105}, "2025": {"obs_EconomicCapitalRatio": 0.6225024703460132}}, "0000101199": {"2011": {"obs_EconomicCapitalRatio": 0.10419332798541545}, "2013": {"obs_EconomicCapitalRatio": 0.15128812972368072}, "2015": {"obs_EconomicCapitalRatio": 0.20352293244654168}, "2016": {"obs_EconomicCapitalRatio": 0.2636407251066854}, "2017": {"obs_EconomicCapitalRatio": 0.23456909913671947}, "2018": {"obs_EconomicCapitalRatio": 0.46606122357284074}, "2019": {"obs_EconomicCapitalRatio": 0.36243488293621257}, "2020": {"obs_EconomicCapitalRatio": 0.20633476904599363}, "2021": {"obs_EconomicCapitalRatio": 0.2059158728582851}, "2022": {"obs_EconomicCapitalRatio": 0.2546474336320362}, "2023": {"obs_EconomicCapitalRatio": 0.17412592183657297}, "2024": {"obs_EconomicCapitalRatio": 0.23122153456168854}, "2025": {"obs_EconomicCapitalRatio": 0.2782284771717755}}, "0000850141": {"2011": {"obs_EconomicCapitalRatio": 0.050414674142379254}, "2012": {"obs_EconomicCapitalRatio": 0.06660597622944248}, "2013": {"obs_EconomicCapitalRatio": 0.10345424829302319}, "2014": {"obs_EconomicCapitalRatio": 0.1050687185145767}, "2015": {"obs_EconomicCapitalRatio": 0.10298814701738773}, "2016": {"obs_EconomicCapitalRatio": 0.12864964544846616}, "2018": {"obs_EconomicCapitalRatio": 0.1137429196728225}, "2019": {"obs_EconomicCapitalRatio": 0.12329077456758777}, "2020": {"obs_EconomicCapitalRatio": 0.11327587322693793}, "2021": {"obs_EconomicCapitalRatio": 0.10123035977531637}, "2022": {"obs_EconomicCapitalRatio": 0.10478664780150689}, "2023": {"obs_EconomicCapitalRatio": 0.09069822376304805}, "2024": {"obs_EconomicCapitalRatio": 0.11078721132064694}, "2025": {"obs_EconomicCapitalRatio": 0.12834149381125828}}, "0000891166": {"2011": {"obs_EconomicCapitalRatio": 0.09292246957684185}, "2012": {"obs_EconomicCapitalRatio": 0.11991727625199855}, "2013": {"obs_EconomicCapitalRatio": 0.3630938957873719}, "2014": {"obs_EconomicCapitalRatio": 0.5647383723391032}, "2015": {"obs_EconomicCapitalRatio": 0.6608277718088306}, "2016": {"obs_EconomicCapitalRatio": 0.7908243141302446}, "2017": {"obs_EconomicCapitalRatio": 0.527914191974162}, "2018": {"obs_EconomicCapitalRatio": 0.6069969172296065}, "2019": {"obs_EconomicCapitalRatio": 0.49308774623116347}, "2020": {"obs_EconomicCapitalRatio": 0.2375550154019886}, "2021": {"obs_EconomicCapitalRatio": 0.2361574535233386}, "2022": {"obs_EconomicCapitalRatio": 0.10353095147436081}, "2023": {"obs_EconomicCapitalRatio": 0.20351017080422165}, "2024": {"obs_EconomicCapitalRatio": 0.21232371028990252}, "2025": {"obs_EconomicCapitalRatio": 0.36899117961703504}}, "0001018979": {"2011": {"obs_EconomicCapitalRatio": 0.17500016439204658}, "2012": {"obs_EconomicCapitalRatio": 0.18681697805922506}, "2013": {"obs_EconomicCapitalRatio": 0.28132379981350925}, "2014": {"obs_EconomicCapitalRatio": 0.27236859934219926}, "2015": {"obs_EconomicCapitalRatio": 0.34687864097981136}, "2016": {"obs_EconomicCapitalRatio": 0.45074080209467826}, "2017": {"obs_EconomicCapitalRatio": 0.4665011972678056}}, "0001172052": {"2011": {"obs_EconomicCapitalRatio": 0.2832145021407431}, "2012": {"obs_EconomicCapitalRatio": 0.3149747611432174}, "2013": {"obs_EconomicCapitalRatio": 0.3901800895386757}, "2014": {"obs_EconomicCapitalRatio": 0.433783668268984}, "2015": {"obs_EconomicCapitalRatio": 0.38682318801304316}, "2016": {"obs_EconomicCapitalRatio": 0.5231483424568765}, "2017": {"obs_EconomicCapitalRatio": 0.5810884201145624}, "2018": {"obs_EconomicCapitalRatio": 0.6005312554668422}, "2019": {"obs_EconomicCapitalRatio": 0.6615850606113804}, "2020": {"obs_EconomicCapitalRatio": 0.5626934617681716}, "2021": {"obs_EconomicCapitalRatio": 0.6107952786258324}, "2022": {"obs_EconomicCapitalRatio": 0.6840603096776342}, "2023": {"obs_EconomicCapitalRatio": 0.5963264979822248}}, "0001385613": {"2011": {"obs_EconomicCapitalRatio": 0.44718194975247194}, "2012": {"obs_EconomicCapitalRatio": 0.36541891604329724}, "2013": {"obs_EconomicCapitalRatio": 0.48387066767184045}}, "0001400810": {"2011": {"obs_EconomicCapitalRatio": 0.17568996118562102}, "2012": {"obs_EconomicCapitalRatio": 0.5322204248663368}, "2013": {"obs_EconomicCapitalRatio": 0.9514179279852392}, "2014": {"obs_EconomicCapitalRatio": 0.7067115699929527}, "2015": {"obs_EconomicCapitalRatio": 0.5506606954146566}, "2016": {"obs_EconomicCapitalRatio": 0.5632535219318249}, "2017": {"obs_EconomicCapitalRatio": 0.3122020017117448}, "2018": {"obs_EconomicCapitalRatio": 0.5213261312116896}, "2019": {"obs_EconomicCapitalRatio": 0.4549725332720546}, "2020": {"obs_EconomicCapitalRatio": 0.4436426201474786}, "2021": {"obs_EconomicCapitalRatio": 0.8419405780783377}, "2022": {"obs_EconomicCapitalRatio": 0.19007750353627687}}, "0001401521": {"2011": {"obs_EconomicCapitalRatio": 0.15736183814808363}, "2012": {"obs_EconomicCapitalRatio": 0.16700179623059536}, "2013": {"obs_EconomicCapitalRatio": 0.4364796208747152}, "2014": {"obs_EconomicCapitalRatio": 0.7057266941731699}, "2015": {"obs_EconomicCapitalRatio": 0.479665029562604}, "2016": {"obs_EconomicCapitalRatio": 0.30413056321472337}, "2017": {"obs_EconomicCapitalRatio": 0.3183967571549078}, "2020": {"obs_EconomicCapitalRatio": 0.07654035349619366}, "2021": {"obs_EconomicCapitalRatio": 0.06510001711380423}, "2022": {"obs_EconomicCapitalRatio": 0.010112103224802127}, "2023": {"obs_EconomicCapitalRatio": 0.37048289879480145}, "2024": {"obs_EconomicCapitalRatio": 0.5292880354167124}}, "0001412100": {"2011": {"obs_EconomicCapitalRatio": 0.2691129098586716}, "2012": {"obs_EconomicCapitalRatio": 0.25861524059297064}, "2013": {"obs_EconomicCapitalRatio": 0.22062957321079743}, "2014": {"obs_EconomicCapitalRatio": 0.24523220459860104}, "2015": {"obs_EconomicCapitalRatio": 0.23392945241084642}, "2016": {"obs_EconomicCapitalRatio": 0.2616509423905489}, "2017": {"obs_EconomicCapitalRatio": 0.2352439925963432}, "2018": {"obs_EconomicCapitalRatio": 0.2137515490391064}, "2019": {"obs_EconomicCapitalRatio": 0.39018811601134734}, "2020": {"obs_EconomicCapitalRatio": 0.5360146793269375}, "2021": {"obs_EconomicCapitalRatio": 0.7083297150068948}, "2022": {"obs_EconomicCapitalRatio": 0.712952440012277}, "2023": {"obs_EconomicCapitalRatio": 0.998226264454644}, "2024": {"obs_EconomicCapitalRatio": 1.0149237697709912}}, "0000890926": {"2011": {"obs_EconomicCapitalRatio": 0.038470146932073436}, "2012": {"obs_EconomicCapitalRatio": 0.10511673964621011}, "2013": {"obs_EconomicCapitalRatio": 0.3873955214029665}, "2015": {"obs_EconomicCapitalRatio": 0.5201185046531764}, "2016": {"obs_EconomicCapitalRatio": 0.711438730441354}, "2017": {"obs_EconomicCapitalRatio": 0.856577377543212}, "2018": {"obs_EconomicCapitalRatio": 0.6068864736062911}, "2019": {"obs_EconomicCapitalRatio": 0.8657620319927062}, "2020": {"obs_EconomicCapitalRatio": 0.5560124043049561}, "2021": {"obs_EconomicCapitalRatio": 0.5568231831294114}, "2022": {"obs_EconomicCapitalRatio": 0.520759851072934}, "2023": {"obs_EconomicCapitalRatio": 0.7505375690421296}}, "0001273813": {"2011": {"obs_EconomicCapitalRatio": 0.11798530710873766}, "2012": {"obs_EconomicCapitalRatio": 0.14911313531523854}, "2013": {"obs_EconomicCapitalRatio": 0.24988585865558177}, "2014": {"obs_EconomicCapitalRatio": 0.28683668719981475}, "2015": {"obs_EconomicCapitalRatio": 0.27330281310199467}, "2016": {"obs_EconomicCapitalRatio": 0.39229585626439156}, "2017": {"obs_EconomicCapitalRatio": 0.3127997618765403}, "2018": {"obs_EconomicCapitalRatio": 0.3337546985272419}, "2023": {"obs_EconomicCapitalRatio": 0.42402169787279376}, "2024": {"obs_EconomicCapitalRatio": 0.4875514604592625}, "2025": {"obs_EconomicCapitalRatio": 0.44668974363681}}, "0000094344": {"2011": {"obs_EconomicCapitalRatio": 0.1706342177768011}, "2012": {"obs_EconomicCapitalRatio": 0.353956320136983}, "2013": {"obs_EconomicCapitalRatio": 0.5056650213633658}, "2014": {"obs_EconomicCapitalRatio": 0.60162343302609}, "2015": {"obs_EconomicCapitalRatio": 0.6338327838791942}, "2016": {"obs_EconomicCapitalRatio": 0.7618973260762447}, "2017": {"obs_EconomicCapitalRatio": 0.7233594036416222}, "2018": {"obs_EconomicCapitalRatio": 0.7459357625301464}, "2019": {"obs_EconomicCapitalRatio": 0.6567614938123766}, "2020": {"obs_EconomicCapitalRatio": 0.7427941494751276}, "2021": {"obs_EconomicCapitalRatio": 0.8428701057324722}, "2022": {"obs_EconomicCapitalRatio": 0.49866797418293446}, "2023": {"obs_EconomicCapitalRatio": 0.7319876788559728}, "2024": {"obs_EconomicCapitalRatio": 0.910397484878923}, "2025": {"obs_EconomicCapitalRatio": 0.8109019262398929}}, "0000720858": {"2011": {"obs_EconomicCapitalRatio": 0.43439024179856706}, "2012": {"obs_EconomicCapitalRatio": 0.636737595819188}, "2013": {"obs_EconomicCapitalRatio": 0.8013412034390501}, "2014": {"obs_EconomicCapitalRatio": 0.6750523956652899}, "2015": {"obs_EconomicCapitalRatio": 0.7705235831696534}, "2016": {"obs_EconomicCapitalRatio": 1.2586814372831616}, "2017": {"obs_EconomicCapitalRatio": 1.4471000244909074}, "2018": {"obs_EconomicCapitalRatio": 1.392528297901664}, "2019": {"obs_EconomicCapitalRatio": 1.2339783683412013}, "2020": {"obs_EconomicCapitalRatio": 1.2376064210905273}, "2024": {"obs_EconomicCapitalRatio": 2.0971805966074473}, "2025": {"obs_EconomicCapitalRatio": 2.0651003438479236}}, "0001072627": {"2012": {"obs_EconomicCapitalRatio": 0.1378331244686326}, "2013": {"obs_EconomicCapitalRatio": 0.2060568518083288}, "2014": {"obs_EconomicCapitalRatio": 0.39756775970498215}, "2021": {"obs_EconomicCapitalRatio": 0.2814360981566481}, "2022": {"obs_EconomicCapitalRatio": 0.6466614106941762}, "2023": {"obs_EconomicCapitalRatio": 1.2962317912712797}, "2024": {"obs_EconomicCapitalRatio": 1.3074411022634407}, "2025": {"obs_EconomicCapitalRatio": 1.828229241402534}}, "0001576018": {"2013": {"obs_EconomicCapitalRatio": 1.3456749906682817}, "2015": {"obs_EconomicCapitalRatio": 0.5027295120184435}, "2016": {"obs_EconomicCapitalRatio": 0.4009383552000906}, "2017": {"obs_EconomicCapitalRatio": 0.4303064337499088}, "2018": {"obs_EconomicCapitalRatio": 0.35996805608241816}, "2019": {"obs_EconomicCapitalRatio": 0.3616896398869758}, "2020": {"obs_EconomicCapitalRatio": 0.3007459897641673}, "2021": {"obs_EconomicCapitalRatio": 0.14116082802737878}, "2022": {"obs_EconomicCapitalRatio": 0.09824227673145867}, "2023": {"obs_EconomicCapitalRatio": 0.16806822423753084}, "2024": {"obs_EconomicCapitalRatio": 0.20038125410694888}, "2025": {"obs_EconomicCapitalRatio": 0.22823592914100294}}, "0000814585": {"2013": {"obs_EconomicCapitalRatio": 0.06370473585239544}, "2014": {"obs_EconomicCapitalRatio": 0.055953020504400895}, "2015": {"obs_EconomicCapitalRatio": 0.03265603094980348}, "2016": {"obs_EconomicCapitalRatio": 0.06809490969575713}, "2019": {"obs_EconomicCapitalRatio": 0.047284377580929446}, "2020": {"obs_EconomicCapitalRatio": 0.028305131892523722}, "2021": {"obs_EconomicCapitalRatio": 0.060606451630786685}, "2022": {"obs_EconomicCapitalRatio": 0.07909582201370091}}, "0001371285": {"2014": {"obs_EconomicCapitalRatio": 2.7539737465989833}, "2015": {"obs_EconomicCapitalRatio": 5.516786849963289}, "2016": {"obs_EconomicCapitalRatio": 7.680737616170036}, "2017": {"obs_EconomicCapitalRatio": 11.128510675169855}, "2018": {"obs_EconomicCapitalRatio": 5.539454480448895}, "2019": {"obs_EconomicCapitalRatio": 6.748134302005539}, "2020": {"obs_EconomicCapitalRatio": 12.981046203070523}, "2021": {"obs_EconomicCapitalRatio": 13.365851084719601}, "2022": {"obs_EconomicCapitalRatio": 3.856536019220112}, "2023": {"obs_EconomicCapitalRatio": 2.0559065389116347}, "2024": {"obs_EconomicCapitalRatio": 3.266234737605871}, "2025": {"obs_EconomicCapitalRatio": 2.260645537054911}}, "0000021175": {"2014": {"obs_EconomicCapitalRatio": 0.08781226564560157}, "2015": {"obs_EconomicCapitalRatio": 0.08573789534191067}, "2016": {"obs_EconomicCapitalRatio": 0.11177666434684969}, "2017": {"obs_EconomicCapitalRatio": 0.1480902072567062}, "2018": {"obs_EconomicCapitalRatio": 0.12911087161171253}, "2019": {"obs_EconomicCapitalRatio": 0.13353778845498793}, "2020": {"obs_EconomicCapitalRatio": 0.11864646048754689}, "2021": {"obs_EconomicCapitalRatio": 0.13660735524168768}, "2022": {"obs_EconomicCapitalRatio": 0.1490665300180529}, "2023": {"obs_EconomicCapitalRatio": 0.15236144391327644}, "2024": {"obs_EconomicCapitalRatio": 0.18538874529946717}, "2025": {"obs_EconomicCapitalRatio": 0.1911897838146784}}, "0001584831": {"2014": {"obs_EconomicCapitalRatio": 0.8731819218560701}, "2015": {"obs_EconomicCapitalRatio": 0.8353030797946737}, "2016": {"obs_EconomicCapitalRatio": 0.9798530921144996}, "2017": {"obs_EconomicCapitalRatio": 0.8739013214215555}, "2018": {"obs_EconomicCapitalRatio": 0.42708536270613306}, "2019": {"obs_EconomicCapitalRatio": 0.8128735676180111}, "2020": {"obs_EconomicCapitalRatio": 2.0127767865024673}, "2021": {"obs_EconomicCapitalRatio": 4.035279457988567}, "2022": {"obs_EconomicCapitalRatio": 0.7843791022772447}, "2023": {"obs_EconomicCapitalRatio": 1.1699490877754983}, "2024": {"obs_EconomicCapitalRatio": 4.545974740645317}, "2025": {"obs_EconomicCapitalRatio": 1.9883016595449083}}, "0001591890": {"2014": {"obs_EconomicCapitalRatio": 0.9784857222943767}, "2015": {"obs_EconomicCapitalRatio": 0.7903489885993485}, "2016": {"obs_EconomicCapitalRatio": 0.668529280439778}, "2017": {"obs_EconomicCapitalRatio": 0.47823037333582313}, "2018": {"obs_EconomicCapitalRatio": 0.20026274364111388}, "2019": {"obs_EconomicCapitalRatio": 1.0009038838622974}, "2020": {"obs_EconomicCapitalRatio": 1.0332240611068517}, "2023": {"obs_EconomicCapitalRatio": 0.34365769026747583}, "2024": {"obs_EconomicCapitalRatio": 0.38256678342694883}, "2025": {"obs_EconomicCapitalRatio": 1.2783453720744637}}, "0001598665": {"2014": {"obs_EconomicCapitalRatio": 1.022385526378802}, "2015": {"obs_EconomicCapitalRatio": 0.8697763064986707}, "2016": {"obs_EconomicCapitalRatio": 0.5135954785014573}, "2017": {"obs_EconomicCapitalRatio": 0.2384450051384878}, "2018": {"obs_EconomicCapitalRatio": 0.22816976766033978}, "2019": {"obs_EconomicCapitalRatio": 0.20899189925037978}, "2020": {"obs_EconomicCapitalRatio": 0.14526387923685619}, "2021": {"obs_EconomicCapitalRatio": 0.08835821556912052}, "2024": {"obs_EconomicCapitalRatio": 0.15814050903873894}}, "0001448893": {"2014": {"obs_EconomicCapitalRatio": 2.7513340726888376}, "2015": {"obs_EconomicCapitalRatio": 2.0316156125572604}, "2016": {"obs_EconomicCapitalRatio": 2.1966587010453633}, "2017": {"obs_EconomicCapitalRatio": 2.302763679783163}, "2018": {"obs_EconomicCapitalRatio": 1.4637116646212422}, "2019": {"obs_EconomicCapitalRatio": 1.923733905133544}, "2020": {"obs_EconomicCapitalRatio": 1.3624111979150466}, "2021": {"obs_EconomicCapitalRatio": 1.257847455177949}, "2022": {"obs_EconomicCapitalRatio": 1.1207343884315684}, "2023": {"obs_EconomicCapitalRatio": 1.3929315644966527}, "2024": {"obs_EconomicCapitalRatio": 1.2990308560530088}, "2025": {"obs_EconomicCapitalRatio": 1.37805594055625}}, "0001224608": {"2015": {"obs_EconomicCapitalRatio": 0.09812109948056234}, "2019": {"obs_EconomicCapitalRatio": 0.07720933248322233}, "2020": {"obs_EconomicCapitalRatio": 0.08532607791990687}, "2021": {"obs_EconomicCapitalRatio": 0.07973774278228726}, "2022": {"obs_EconomicCapitalRatio": 0.0740119224394484}, "2023": {"obs_EconomicCapitalRatio": 0.08800333201850762}, "2024": {"obs_EconomicCapitalRatio": 0.10217056577331393}, "2025": {"obs_EconomicCapitalRatio": 0.10917322287369309}}, "0001502292": {"2015": {"obs_EconomicCapitalRatio": 0.5073188103321704}, "2016": {"obs_EconomicCapitalRatio": 0.32676471145129937}, "2017": {"obs_EconomicCapitalRatio": 0.22859640408589965}, "2018": {"obs_EconomicCapitalRatio": 0.16171332299392469}, "2019": {"obs_EconomicCapitalRatio": 0.17484388630428938}, "2020": {"obs_EconomicCapitalRatio": 0.10127625743529979}, "2021": {"obs_EconomicCapitalRatio": 0.08321778855188995}, "2022": {"obs_EconomicCapitalRatio": 0.06177355926491211}}, "0001620459": {"2015": {"obs_EconomicCapitalRatio": 0.43178129438412827}, "2016": {"obs_EconomicCapitalRatio": 0.4836460901002614}, "2017": {"obs_EconomicCapitalRatio": 0.4109565384628619}, "2018": {"obs_EconomicCapitalRatio": 0.3391488905738892}, "2019": {"obs_EconomicCapitalRatio": 0.24476373426541845}, "2020": {"obs_EconomicCapitalRatio": 0.29365242013136106}, "2021": {"obs_EconomicCapitalRatio": 0.21104219462351093}, "2022": {"obs_EconomicCapitalRatio": 0.16258684647705737}, "2023": {"obs_EconomicCapitalRatio": 0.06863503647289612}, "2024": {"obs_EconomicCapitalRatio": 0.03743238863654649}, "2025": {"obs_EconomicCapitalRatio": 0.06450454825978152}}, "0001267395": {"2016": {"obs_EconomicCapitalRatio": 0.0738574023355383}}, "0001669162": {"2016": {"obs_EconomicCapitalRatio": 1.32061328286536}, "2017": {"obs_EconomicCapitalRatio": 1.6886693039122596}, "2018": {"obs_EconomicCapitalRatio": 1.757786431226942}, "2019": {"obs_EconomicCapitalRatio": 2.493942159597295}, "2020": {"obs_EconomicCapitalRatio": 3.779506252242055}, "2021": {"obs_EconomicCapitalRatio": 3.0797728479133144}, "2022": {"obs_EconomicCapitalRatio": 2.618307965893515}, "2023": {"obs_EconomicCapitalRatio": 2.398197800389068}, "2024": {"obs_EconomicCapitalRatio": 2.616027394903684}, "2025": {"obs_EconomicCapitalRatio": 1.815708268240418}}, "0001681206": {"2017": {"obs_EconomicCapitalRatio": 1.5373898657607274}, "2018": {"obs_EconomicCapitalRatio": 1.077488722582652}, "2019": {"obs_EconomicCapitalRatio": 1.0642308756664431}, "2020": {"obs_EconomicCapitalRatio": 0.8039091048111232}, "2021": {"obs_EconomicCapitalRatio": 0.8371933004300316}, "2023": {"obs_EconomicCapitalRatio": 0.5036234950005075}, "2024": {"obs_EconomicCapitalRatio": 0.8007022428803833}, "2025": {"obs_EconomicCapitalRatio": 0.7228475041716506}}, "0001739940": {"2018": {"obs_EconomicCapitalRatio": 0.49392679605802403}, "2019": {"obs_EconomicCapitalRatio": 0.515787310127935}, "2020": {"obs_EconomicCapitalRatio": 0.503202896000459}, "2021": {"obs_EconomicCapitalRatio": 0.5273810437657548}, "2022": {"obs_EconomicCapitalRatio": 0.7813791573344631}, "2023": {"obs_EconomicCapitalRatio": 0.6407141804135721}, "2024": {"obs_EconomicCapitalRatio": 0.5535276234038551}, "2025": {"obs_EconomicCapitalRatio": 0.5303474346328982}}, "0001761312": {"2019": {"obs_EconomicCapitalRatio": 4.290953781106376}, "2020": {"obs_EconomicCapitalRatio": 4.177338855829913}, "2021": {"obs_EconomicCapitalRatio": 2.2253443621517146}, "2022": {"obs_EconomicCapitalRatio": 1.0443493597216837}, "2023": {"obs_EconomicCapitalRatio": 0.9643788525444039}, "2024": {"obs_EconomicCapitalRatio": 1.4620550310584497}}, "0000033992": {"2020": {"obs_EconomicCapitalRatio": 0.24164366063924306}, "2021": {"obs_EconomicCapitalRatio": 0.17078677517614738}, "2022": {"obs_EconomicCapitalRatio": 0.0491993744927972}, "2023": {"obs_EconomicCapitalRatio": 0.0811418111054454}, "2024": {"obs_EconomicCapitalRatio": 0.5549415302216316}, "2025": {"obs_EconomicCapitalRatio": 0.6120931303135448}}, "0001691421": {"2020": {"obs_EconomicCapitalRatio": 12.034865004979977}, "2021": {"obs_EconomicCapitalRatio": 2.651484538615886}, "2022": {"obs_EconomicCapitalRatio": 0.7946164460970965}, "2023": {"obs_EconomicCapitalRatio": 0.9316945795774544}, "2024": {"obs_EconomicCapitalRatio": 1.82375039935241}, "2025": {"obs_EconomicCapitalRatio": 3.5592852600135347}}, "0001788882": {"2020": {"obs_EconomicCapitalRatio": 0.5746493767586118}}, "0001832466": {"2021": {"obs_EconomicCapitalRatio": 5.393770726277297}, "2022": {"obs_EconomicCapitalRatio": 4.226201815742767}, "2024": {"obs_EconomicCapitalRatio": 2.827285171941454}, "2025": {"obs_EconomicCapitalRatio": 4.02582794257635}}, "0001393726": {"2021": {"obs_EconomicCapitalRatio": 0.12534020997374273}, "2022": {"obs_EconomicCapitalRatio": 0.129977827206042}, "2023": {"obs_EconomicCapitalRatio": 0.1351640316080067}, "2024": {"obs_EconomicCapitalRatio": 0.1408424945253883}}, "0001828105": {"2021": {"obs_EconomicCapitalRatio": 1.341829775888105}, "2022": {"obs_EconomicCapitalRatio": 0.22325442164810716}, "2023": {"obs_EconomicCapitalRatio": 0.1646746710948033}, "2024": {"obs_EconomicCapitalRatio": 0.4726764668175012}, "2025": {"obs_EconomicCapitalRatio": 0.4664813794769131}}}}