{"company_details": [{"company_id": "0000720858", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000720858.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 1, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 46% points.The greatest weakness of Investors Title CO 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 120%, being 29% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000720858_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 53256092.0, "future_profits": 0.0, "valuation_correction": -2084222.2667246598, "limited_liability_put_option": 74062765.2062623, "fair_value": 125234634.93953764, "market_value": 45481688.25557327}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000720858.svg", "value": 1.1961012319342572, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000720858.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000720858.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000720858.svg"}, {"company_id": "0001331875", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001331875.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 2, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Liabilities, increasing the Economic Capital Ratio by 29% points.The greatest weakness of Fidelity National Financial Inc is the variable Assets, reducing the Economic Capital Ratio by 28% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 102%, being 12% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001331875_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": 1.0, "valuation": {"past_accumulated_profits": 1827950000.0, "future_profits": 0.0, "valuation_correction": -118417271.3378474, "limited_liability_put_option": 4461073297.481811, "fair_value": 6170606026.143963, "market_value": 2181340027.2130175}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001331875.svg", "value": 1.022613959902217, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001331875.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001331875.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001331875.svg"}, {"company_id": "0001179929", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001179929.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 3, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 39% points.The greatest weakness of Molina Healthcare INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 104% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 102%, being 11% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001179929_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 377536500.0, "future_profits": 0.0, "valuation_correction": -25156987.461410746, "limited_liability_put_option": 943330854.0349498, "fair_value": 1295710366.573539, "market_value": 1022456950.0}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001179929.svg", "value": 1.0165547695773012, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001179929.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001179929.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001179929.svg"}, {"company_id": "0000064996", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000064996.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 4, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 29% points.The greatest weakness of Mercury General CORP is the variable Assets, reducing the Economic Capital Ratio by 30% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 102%, being 11% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000064996_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": 1.0, "valuation": {"past_accumulated_profits": 928741500.0, "future_profits": 0.0, "valuation_correction": -62953786.889714524, "limited_liability_put_option": 2325132407.138853, "fair_value": 3190920120.249139, "market_value": 1327084621.6184263}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000064996.svg", "value": 1.015807525997616, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000064996.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000064996.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000064996.svg"}, {"company_id": "0001156039", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001156039.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 5, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 32% points.The greatest weakness of Elevance Health Inc is the variable Assets, reducing the Economic Capital Ratio by 40% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 101%, being 11% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001156039_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": -4.0, "valuation": {"past_accumulated_profits": 11644100000.0, "future_profits": 0.0, "valuation_correction": -805643863.5489409, "limited_liability_put_option": 29917431107.670444, "fair_value": 40755887244.121506, "market_value": 18535340753.981842}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001156039.svg", "value": 1.0094412402846709, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001156039.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001156039.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001156039.svg"}, {"company_id": "0001172052", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001172052.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 6, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 26% points.The greatest weakness of Safety Insurance 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 101%, being 11% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001172052_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 328156500.0, "future_profits": 0.0, "valuation_correction": -22129392.156726893, "limited_liability_put_option": 848132287.4017881, "fair_value": 1154159395.2450612, "market_value": 324113366.78763676}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001172052.svg", "value": 1.0085195860791627, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001172052.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001172052.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001172052.svg"}, {"company_id": "0001067983", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001067983.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0001067983.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001067983.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001067983_256x256.png", "name": "Berkshire Hathaway INC", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001067983.svg", "report_text": "The relative strengths and weaknesses of Berkshire Hathaway INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Berkshire Hathaway INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 24% points.The greatest weakness of Berkshire Hathaway INC is the variable Investments, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 100%, being 9.5% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001067983_2012_Berkshire_Hathaway_INC.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-2.13", "Assets": "-17.7", "Liabilities": "25.7", "Stockholders Equity": "11.1", "ECR before LimitedLiability": "13.6", "Other Assets": "27.6", "Assets, Current": "2.47", "Reinsurance Recoverables": "-1.78", "Separate Account Asset": "-9.33", "Investments": "-22.1", "Premiums Receivable": "-2.17", "Deferred Policy Acquisition Costs": "-2.16", "Claims Reserve and LAE": "21.4", "Other Liabilities": "-1.38", "Unearned Premiums": "4.10", "Long Term Debt": "4.04", "Liabilities Current": "1.43", "Policyholder Contract Deposits": "24.1", "Economic Capital Ratio": "13.7", "Other Expenses": "1.44", "Other Revenues": "-2.14"}, "2010": {"Deferred Policy Acquisition Costs": "-1.59", "Assets": "-14.0", "Liabilities": "23.7", "Stockholders Equity": "7.07", "ECR before LimitedLiability": "10.7", "Assets, Current": "2.46", "Investments": "-20.9", "Intangible Assets": "4.69", "Assets, Non-Current": "-1.78", "Separate Account Asset": "-4.79", "Premiums Receivable": "-2.08", "Reinsurance Recoverables": "-2.12", "Other Assets": "23.7", "Other Liabilities": "4.99", "Unearned Premiums": "6.48", "Long Term Debt": "2.29", "Policyholder Contract Deposits": "11.1", "Claims Reserve and LAE": "13.3", "Economic Capital Ratio": "10.8", "Other Expenses": "1.19", "Other Revenues": "-1.86"}, "2011": {"Reinsurance Recoverables": "-2.84", "Assets": "-15.1", "Liabilities": "24.3", "Stockholders Equity": "4.86", "ECR before LimitedLiability": "9.30", "Intangible Assets": "5.16", "Assets, Non-Current": "-1.62", "Other Assets": "24.5", "Separate Account Asset": "-4.85", "Assets, Current": "2.01", "Premiums Receivable": "-2.37", "Deferred Policy Acquisition Costs": "-1.69", "Investments": "-21.9", "Long Term Debt": "2.75", "Other Liabilities": "-3.44", "Unearned Premiums": "10.3", "Policyholder Contract Deposits": "11.0", "Claims Reserve and LAE": "16.9", "Economic Capital Ratio": "9.46", "Other Expenses": "0.997", "Other Revenues": "-1.01"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0001067983_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "30,558,000", "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": "266,561,000", "Other Compr. Net Income": "13,343,000", "Other Expenses": "104,479,000", "Other Liabilities": "161,334,000", "Other Net Income": "427,000", "Other Revenues": "112,493,000", "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": "297,119,000", "Liabilities": "161,334,000", "Expenses": "104,479,000", "Revenues": "112,493,000", "Stockholders Equity": "135,785,000", "Net Income": "8,441,000", "Comprehensive Net Income": "15,112,500", "BaseVar": "3,442,903,380", "ECR before LimitedLiability": "26%", "Economic Capital Ratio": "101%"}}, "2010": {"input_variables": {"Assets, Current": "38,227,000", "Assets, Non-Current": "0", "Claims Reserve and LAE": "60,075,000", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "0", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "49,006,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "284,996,000", "Other Compr. Net Income": "2,262,000", "Other Expenses": "104,654,000", "Other Liabilities": "149,220,000", "Other Net Income": "50,000", "Other Revenues": "136,185,000", "Policyholder Benefits and Claims": "18,087,000", "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": "372,229,000", "Liabilities": "209,295,000", "Expenses": "122,741,000", "Revenues": "136,185,000", "Stockholders Equity": "162,934,000", "Net Income": "13,494,000", "Comprehensive Net Income": "14,625,000", "BaseVar": "4,260,944,371", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "99%"}}, "2011": {"input_variables": {"Assets, Current": "37,299,000", "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": "53,213,000", "Investment Income": "0", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "302,135,000", "Other Compr. Net Income": "-3,497,000", "Other Expenses": "132,942,000", "Other Liabilities": "223,686,000", "Other Net Income": "0", "Other Revenues": "143,688,000", "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": "392,647,000", "Liabilities": "223,686,000", "Expenses": "132,942,000", "Revenues": "143,688,000", "Stockholders Equity": "168,961,000", "Net Income": "10,746,000", "Comprehensive Net Income": "8,997,500", "BaseVar": "7,382,080,641", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "100%"}}}, "top_rated": true, "trend": -5.0, "valuation": {"past_accumulated_profits": 84480500000.0, "future_profits": 0.0, "valuation_correction": -5998285605.766222, "limited_liability_put_option": 228808245625.29553, "fair_value": 307290460019.5293, "market_value": 71938563.0663414}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001067983.svg", "value": 0.9971572510948769, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001067983.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001067983.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001067983.svg"}, {"company_id": "0001071739", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001071739.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 8, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 36% points.The greatest weakness of Centene CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 86% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 99%, being 9.2% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001071739_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": -2.0, "valuation": {"past_accumulated_profits": 468209500.0, "future_profits": 0.0, "valuation_correction": -34179248.49915018, "limited_liability_put_option": 1279125803.233767, "fair_value": 1713156054.7346168, "market_value": 2005072039.0538387}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001071739.svg", "value": 0.9947910648460592, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001071739.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001071739.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001071739.svg"}, {"company_id": "0000731766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000731766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 9, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 32% points.The greatest weakness of Unitedhealth Group INC is the variable Stockholders Equity, reducing the Economic Capital Ratio by 48% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 99%, being 8.4% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000731766_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": -2.0, "valuation": {"past_accumulated_profits": 14146000000.0, "future_profits": 0.0, "valuation_correction": -1078966103.056216, "limited_liability_put_option": 39967097397.46879, "fair_value": 53034131294.412575, "market_value": 42654505868.25505}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000731766.svg", "value": 0.9868100272484337, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000731766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000731766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000731766.svg"}, {"company_id": "0000094344", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000094344.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 10, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 30% points.The greatest weakness of Stewart Information Services CORP is the variable Stockholders Equity, reducing the Economic Capital Ratio by 46% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 98%, being 7.3% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000094344_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": null, "valuation": {"past_accumulated_profits": 231728500.0, "future_profits": 0.0, "valuation_correction": -18130437.896539215, "limited_liability_put_option": 688555599.5027694, "fair_value": 902153661.6062301, "market_value": 157736403.84059715}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000094344.svg", "value": 0.9759210975687046, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000094344.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000094344.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000094344.svg"}, {"company_id": "0001472787", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001472787.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 11, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 24% points.The greatest weakness of First American Financial Corp is the variable Assets, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 96%, being 5.8% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001472787_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": true, "trend": -3.0, "valuation": {"past_accumulated_profits": 1017469500.0, "future_profits": 0.0, "valuation_correction": -84827950.82474713, "limited_liability_put_option": 3249029416.395872, "fair_value": 4181670965.571125, "market_value": 861242217.9379053}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001472787.svg", "value": 0.9606704007349465, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001472787.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001472787.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001472787.svg"}, {"company_id": "0001385613", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001385613.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0001385613.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001385613.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001385613_256x256.png", "name": "Greenlight Capital RE LTD", "rank": 12, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001385613.svg", "report_text": "The relative strengths and weaknesses of Greenlight Capital RE LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Greenlight Capital RE LTD compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Greenlight Capital RE LTD is the variable Other Liabilities, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 95%, being 4.7% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001385613_2012_Greenlight_Capital_RE_LTD.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "-0.515", "Assets": "13.2", "Liabilities": "-4.24", "Stockholders Equity": "10.7", "ECR before LimitedLiability": "4.52", "Intangible Assets": "-0.467", "Assets, Non-Current": "-0.769", "Other Assets": "17.7", "Separate Account Asset": "-2.68", "Assets, Current": "-0.262", "Premiums Receivable": "1.36", "Deferred Policy Acquisition Costs": "0.364", "Long Term Debt": "1.30", "Other Liabilities": "-10.8", "Unearned Premiums": "-1.41", "Policyholder Contract Deposits": "5.34", "Claims Reserve and LAE": "1.85", "Reinsurance Payable": "-1.62", "Economic Capital Ratio": "4.68", "Deferred Acquisition Costs Amortization": "0.251", "Premiums Earned": "-0.273"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0001385613_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "42,284", "Assets, Non-Current": "5,492", "Claims Reserve and LAE": "241,279", "Deferred Acquisition Costs Amortization": "138,751", "Deferred Policy Acquisition Costs": "68,725", "General and Administrative Expense": "13,892", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "0", "Investments": "1,030,146", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "998,572", "Other Compr. Net Income": "0", "Other Expenses": "247", "Other Liabilities": "960,553", "Other Net Income": "0", "Other Revenues": "23,371", "Policyholder Benefits and Claims": "241,690", "Policyholder Contract Deposits": "0", "Premiums Earned": "379,775", "Premiums Receivable": "141,278", "Reinsurance Payable": "70,223", "Reinsurance Recoverables": "56,991", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "225,735"}, "output_variables": {"Assets": "2,343,488", "Liabilities": "1,497,790", "Expenses": "394,580", "Revenues": "403,146", "Stockholders Equity": "845,698", "Net Income": "8,566", "Comprehensive Net Income": "8,566", "BaseVar": "22,065,235", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "95%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 422849000.0, "future_profits": 0.0, "valuation_correction": -35091306.832301095, "limited_liability_put_option": 1435642915.304275, "fair_value": 1823400608.471974, "market_value": 858875092.790638}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001385613.svg", "value": 0.9493718540922964, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001385613.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001385613.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001385613.svg"}, {"company_id": "0000776867", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000776867.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 13, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Assets, increasing the Economic Capital Ratio by 17% points.The greatest weakness of White Mountains Insurance Group Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 93%, being 2.7% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000776867_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": 2.0, "valuation": {"past_accumulated_profits": 2333950000.0, "future_profits": 0.0, "valuation_correction": -214885849.00648332, "limited_liability_put_option": 8787858059.985775, "fair_value": 10906922210.979292, "market_value": 3359198205.861878}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000776867.svg", "value": 0.9298274270765505, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000776867.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000776867.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000776867.svg"}, {"company_id": "0000020286", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000020286.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 14, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Other Liabilities, increasing the Economic Capital Ratio by 10.0% points.The greatest weakness of Cincinnati Financial CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 6.6% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 2.1% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000020286_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 2527500000.0, "future_profits": 0.0, "valuation_correction": -244544558.34029564, "limited_liability_put_option": 9851254973.24403, "fair_value": 12134210414.903734, "market_value": 3187486799.4967403}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000020286.svg", "value": 0.9234207537691665, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000020286.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000020286.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000020286.svg"}, {"company_id": "0001095073", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001095073.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 15, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Claims Reserve and LAE, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Everest Group LTD is the variable Other Liabilities, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 92%, being 2.0% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001095073_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -6.0, "valuation": {"past_accumulated_profits": 3035687500.0, "future_profits": 0.0, "valuation_correction": -290953016.84391886, "limited_liability_put_option": 11889175863.782701, "fair_value": 14633910346.938782, "market_value": 3307533855.181946}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001095073.svg", "value": 0.9228170399922174, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001095073.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001095073.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001095073.svg"}, {"company_id": "0000060086", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000060086.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 16, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Other Liabilities, 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 24% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 1.1% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000060086_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 11636500000.0, "future_profits": 0.0, "valuation_correction": -1205447069.008136, "limited_liability_put_option": 47829165351.13225, "fair_value": 58260218282.124115, "market_value": 13909133303.566933}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000060086.svg", "value": 0.914050664545355, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000060086.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000060086.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000060086.svg"}, {"company_id": "0001214816", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001214816.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 17, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 15% points.The greatest weakness of AXIS Capital Holdings LTD 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 91%, being 1.0% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001214816_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -7.0, "valuation": {"past_accumulated_profits": 2722039500.0, "future_profits": 0.0, "valuation_correction": -276827445.9586826, "limited_liability_put_option": 11320588976.153175, "fair_value": 13765801030.194492, "market_value": 2850573040.3225937}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001214816.svg", "value": 0.9126082759435901, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001214816.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001214816.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001214816.svg"}, {"company_id": "0001018979", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001018979.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0001018979.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001018979.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001018979_256x256.png", "name": "Amerisafe INC", "rank": 18, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001018979.svg", "report_text": "The relative strengths and weaknesses of Amerisafe INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Amerisafe INC compared to the market average is the variable Claims Reserve and LAE, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Amerisafe INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 15% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 0.90% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001018979_2012_Amerisafe_INC.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "1.62", "Assets": "-0.642", "Liabilities": "5.38", "Stockholders Equity": "3.98", "ECR before LimitedLiability": "0.744", "Intangible Assets": "-0.650", "Assets, Non-Current": "-0.483", "Other Assets": "-4.75", "Separate Account Asset": "-3.69", "Assets, Current": "0.326", "Premiums Receivable": "3.09", "Deferred Policy Acquisition Costs": "-0.539", "Investments": "5.69", "Liabilities Current": "0.284", "Long Term Debt": "1.67", "Other Liabilities": "-14.6", "Policyholder Contract Deposits": "4.85", "Claims Reserve and LAE": "10.6", "Reinsurance Payable": "0.563", "Economic Capital Ratio": "0.905", "Premiums Earned": "-0.265"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0001018979_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "45,536", "Assets, Non-Current": "18,882", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "18,756", "General and Administrative Expense": "38,421", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "28,568", "Investments": "805,974", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "41,926", "Other Compr. Net Income": "1,950", "Other Expenses": "28,411", "Other Liabilities": "641,730", "Other Net Income": "0", "Other Revenues": "1,080", "Policyholder Benefits and Claims": "189,706", "Policyholder Contract Deposits": "37,228", "Premiums Earned": "251,015", "Premiums Receivable": "121,223", "Reinsurance Payable": "0", "Reinsurance Recoverables": "96,212", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "118,699"}, "output_variables": {"Assets": "1,148,509", "Liabilities": "797,657", "Expenses": "256,538", "Revenues": "280,663", "Stockholders Equity": "350,852", "Net Income": "24,125", "Comprehensive Net Income": "25,100", "BaseVar": "14,588,007", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "91%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 175426000.0, "future_profits": 0.0, "valuation_correction": -18721432.57749125, "limited_liability_put_option": 730370989.9449244, "fair_value": 887075557.3674331, "market_value": 170289684.96710587}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001018979.svg", "value": 0.9116134567836794, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001018979.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001018979.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001018979.svg"}, {"company_id": "0001096343", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001096343.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 19, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Claims Reserve and LAE, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Markel Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 20% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 0.63% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001096343_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 1731173000.0, "future_profits": 0.0, "valuation_correction": -182178558.86959043, "limited_liability_put_option": 7358282099.294936, "fair_value": 8907276540.425346, "market_value": 3947127320.619644}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001096343.svg", "value": 0.908819524313034, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001096343.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001096343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001096343.svg"}, {"company_id": "0000084246", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000084246.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 20, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 14% points.The greatest weakness of RLI CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 0.42% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000084246_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -8.0, "valuation": {"past_accumulated_profits": 409426000.0, "future_profits": 0.0, "valuation_correction": -53129449.64629372, "limited_liability_put_option": 1716402102.5230417, "fair_value": 2072698652.876748, "market_value": 811307036.3285065}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000084246.svg", "value": 0.9067938723132372, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000084246.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000084246.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000084246.svg"}, {"company_id": "0001400810", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001400810.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 21, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001400810.svg", "report_text": "The relative strengths and weaknesses of HCI Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of HCI Group Inc compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 16% points.The greatest weakness of HCI Group Inc is the variable Unearned Premiums, reducing the Economic Capital Ratio by 25% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 91%, being 0.28% points above the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001400810_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 31915000.0, "future_profits": 0.0, "valuation_correction": -3674187.7598043107, "limited_liability_put_option": 137362316.43924728, "fair_value": 165603128.67944297, "market_value": 32134220.970733643}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001400810.svg", "value": 0.9054150488479847, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001400810.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001400810.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001400810.svg"}, {"company_id": "0000896159", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000896159.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 22, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000896159.svg", "report_text": "The relative strengths and weaknesses of Chubb Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Chubb Ltd compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Chubb Ltd is the variable Other Liabilities, reducing the Economic Capital Ratio by 16% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 90%, being 0.68% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000896159_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -3.0, "valuation": {"past_accumulated_profits": 12258000000.0, "future_profits": 0.0, "valuation_correction": -1417805170.6210077, "limited_liability_put_option": 56559979552.496704, "fair_value": 67400174381.875694, "market_value": 17630392462.025787}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000896159.svg", "value": 0.895719090221214, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000896159.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000896159.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000896159.svg"}, {"company_id": "0000860748", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000860748.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0000860748.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000860748.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000860748_256x256.png", "name": "Kemper Corp", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000860748.svg", "report_text": "The relative strengths and weaknesses of Kemper Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Kemper Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Kemper Corp is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 1.1% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000860748_2012_Kemper_Corp.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "1.27", "Assets": "-12.6", "Liabilities": "11.1", "Stockholders Equity": "-2.07", "ECR before LimitedLiability": "-1.75", "Assets, Current": "-1.91", "Investments": "0.509", "Intangible Assets": "0.580", "Assets, Non-Current": "-0.946", "Separate Account Asset": "-5.03", "Premiums Receivable": "-2.17", "Reinsurance Recoverables": "-2.21", "Other Assets": "-4.59", "Liabilities Current": "0.526", "Reinsurance Payable": "0.372", "Other Liabilities": "11.1", "Long Term Debt": "1.79", "Policyholder Contract Deposits": "8.72", "Claims Reserve and LAE": "-11.5", "Economic Capital Ratio": "-1.64", "Premiums Earned": "-0.298"}, "2011": {"Reinsurance Recoverables": "-2.76", "Assets": "-11.4", "Liabilities": "13.6", "Stockholders Equity": "-1.38", "ECR before LimitedLiability": "-1.24", "Intangible Assets": "0.929", "Other Assets": "-5.61", "Separate Account Asset": "-4.74", "Assets, Current": "-1.86", "Deferred Policy Acquisition Costs": "0.891", "Investments": "0.889", "Liabilities Current": "0.353", "Long Term Debt": "2.08", "Other Liabilities": "13.6", "Unearned Premiums": "3.00", "Policyholder Contract Deposits": "8.36", "Claims Reserve and LAE": "-20.6", "Reinsurance Payable": "0.701", "Economic Capital Ratio": "-1.08", "Other Revenues": "0.220", "Premiums Earned": "-0.229"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0000860748_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "169,600", "Claims Reserve and LAE": "4,182,400", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "525,200", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "311,800", "Investment Income": "327,600", "Investments": "6,250,800", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "1,101,100", "Other Compr. Net Income": "0", "Other Expenses": "912,300", "Other Liabilities": "1,384,100", "Other Net Income": "700", "Other Revenues": "126,400", "Policyholder Benefits and Claims": "1,647,200", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,289,400", "Premiums Receivable": "0", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "678,600"}, "output_variables": {"Assets": "8,358,500", "Liabilities": "6,245,100", "Expenses": "2,559,500", "Revenues": "2,743,400", "Stockholders Equity": "2,113,400", "Net Income": "184,600", "Comprehensive Net Income": "184,600", "BaseVar": "87,903,624", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "87%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "250,700", "Claims Reserve and LAE": "4,131,800", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "448,500", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "311,800", "Investment Income": "298,000", "Investments": "6,222,700", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "473,000", "Other Compr. Net Income": "0", "Other Expenses": "778,400", "Other Liabilities": "1,071,800", "Other Net Income": "12,800", "Other Revenues": "23,400", "Policyholder Benefits and Claims": "1,645,700", "Policyholder Contract Deposits": "0", "Premiums Earned": "2,173,600", "Premiums Receivable": "379,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "666,200"}, "output_variables": {"Assets": "8,085,900", "Liabilities": "5,869,800", "Expenses": "2,424,100", "Revenues": "2,495,000", "Stockholders Equity": "2,216,100", "Net Income": "83,700", "Comprehensive Net Income": "83,700", "BaseVar": "131,520,779", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "89%"}}}, "top_rated": false, "trend": -2.0, "valuation": {"past_accumulated_profits": 1108050000.0, "future_profits": 0.0, "valuation_correction": -132372510.59183723, "limited_liability_put_option": 5246710831.587089, "fair_value": 6222388320.995252, "market_value": 1255273739.6996422}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000860748.svg", "value": 0.8917343194530194, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000860748.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000860748.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000860748.svg"}, {"company_id": "0000947484", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000947484.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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/2011/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 Other Liabilities, reducing the Economic Capital Ratio by 29% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 1.4% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000947484_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -7.0, "valuation": {"past_accumulated_profits": 2314243000.0, "future_profits": 0.0, "valuation_correction": -286531781.2400406, "limited_liability_put_option": 11151593672.242819, "fair_value": 13179304891.002779, "market_value": 4732655186.29109}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000947484.svg", "value": 0.8888404505918774, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000947484.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000947484.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000947484.svg"}, {"company_id": "0000080661", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000080661.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 25, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 38% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 89%, being 1.7% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000080661_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -7.0, "valuation": {"past_accumulated_profits": 2903350000.0, "future_profits": 0.0, "valuation_correction": -377159220.4500452, "limited_liability_put_option": 14249250902.061943, "fair_value": 16775441681.611898, "market_value": 7413520221.204791}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000080661.svg", "value": 0.8856471749317976, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000080661.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000080661.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000080661.svg"}, {"company_id": "0001273813", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001273813.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0001273813.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001273813.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001273813_256x256.png", "name": "Assured Guaranty LTD", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001273813.svg", "report_text": "The relative strengths and weaknesses of Assured Guaranty LTD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Assured Guaranty LTD compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Assured Guaranty LTD is the variable Liabilities, reducing the Economic Capital Ratio by 32% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 88%, being 1.9% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001273813_2012_Assured_Guaranty_LTD.pdf", "shrinked_graph_json": {"2011": {"Reinsurance Recoverables": "0.897", "Assets": "14.6", "Liabilities": "-31.7", "Stockholders Equity": "9.14", "ECR before LimitedLiability": "-2.10", "Intangible Assets": "-0.276", "Assets, Non-Current": "0.154", "Other Assets": "10.9", "Separate Account Asset": "-1.61", "Assets, Current": "-0.614", "Premiums Receivable": "1.85", "Investments": "12.9", "Long Term Debt": "-2.97", "Other Liabilities": "-13.4", "Unearned Premiums": "-20.4", "Policyholder Contract Deposits": "2.76", "Claims Reserve and LAE": "4.37", "Reinsurance Payable": "-0.367", "Expenses": "-0.248", "Policyholder Benefits and Claims": "-0.183", "Economic Capital Ratio": "-1.94"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0001273813_strength_weakness.svg", "table_records": {"2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "262,222", "Claims Reserve and LAE": "0", "Deferred Acquisition Costs Amortization": "30,849", "Deferred Policy Acquisition Costs": "231,875", "General and Administrative Expense": "193,000", "Insurance Commissions and Fees": "0", "Intangible Assets": "0", "Investment Income": "373,025", "Investments": "11,098,765", "Liabilities Current": "0", "Long Term Debt": "1,038,302", "Other Assets": "4,786,945", "Other Compr. Net Income": "255,750", "Other Expenses": "357,954", "Other Liabilities": "6,201,012", "Other Net Income": "0", "Other Revenues": "526,233", "Policyholder Benefits and Claims": "461,890", "Policyholder Contract Deposits": "0", "Premiums Earned": "920,055", "Premiums Receivable": "1,002,852", "Reinsurance Payable": "170,982", "Reinsurance Recoverables": "708,872", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "5,962,799"}, "output_variables": {"Assets": "18,091,531", "Liabilities": "13,373,095", "Expenses": "1,043,693", "Revenues": "1,819,313", "Stockholders Equity": "4,718,436", "Net Income": "775,620", "Comprehensive Net Income": "903,495", "BaseVar": "94,488,778", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "88%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 2359218000.0, "future_profits": 0.0, "valuation_correction": -302914296.00306475, "limited_liability_put_option": 11837402703.895605, "fair_value": 13893706407.89254, "market_value": 1856181780.8357859}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001273813.svg", "value": 0.8831318324198443, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001273813.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001273813.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001273813.svg"}, {"company_id": "0000074260", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000074260.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 27, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000074260.svg", "report_text": "The relative strengths and weaknesses of OLD Republic International CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of OLD Republic International CORP compared to the market average is the variable Claims Reserve and LAE, increasing the Economic Capital Ratio by 11% points.The greatest weakness of OLD Republic International CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 3.4% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000074260_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -7.0, "valuation": {"past_accumulated_profits": 1886300000.0, "future_profits": 0.0, "valuation_correction": -259643640.79473534, "limited_liability_put_option": 10669003429.935835, "fair_value": 12295659789.1411, "market_value": 920024807.4046469}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000074260.svg", "value": 0.8680862030867544, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000074260.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000074260.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000074260.svg"}, {"company_id": "0000086312", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000086312.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 28, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 11% points.The greatest weakness of Travelers Companies INC is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 22% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 87%, being 3.5% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000086312_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -6.0, "valuation": {"past_accumulated_profits": 12238500000.0, "future_profits": 0.0, "valuation_correction": -1727583854.0686467, "limited_liability_put_option": 69576747572.03453, "fair_value": 80087663717.96588, "market_value": 17642016520.765728}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000086312.svg", "value": 0.8670921274958818, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000086312.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000086312.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000086312.svg"}, {"company_id": "0001412100", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001412100.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 29, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001412100.svg", "report_text": "The relative strengths and weaknesses of Maiden Holdings Ltd are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Maiden Holdings Ltd compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Maiden Holdings Ltd 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 86%, being 3.9% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001412100_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 384490000.0, "future_profits": 0.0, "valuation_correction": -57085587.04595292, "limited_liability_put_option": 2237727935.042733, "fair_value": 2565132347.9967804, "market_value": 799248119.0540236}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001412100.svg", "value": 0.8636995369586349, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001412100.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001412100.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001412100.svg"}, {"company_id": "0001401521", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001401521.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 30, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001401521.svg", "report_text": "The relative strengths and weaknesses of American Coastal Insurance Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of American Coastal Insurance Corp compared to the market average is the variable Liabilities, increasing the Economic Capital Ratio by 11% points.The greatest weakness of American Coastal Insurance Corp 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 86%, being 3.9% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001401521_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 27494500.0, "future_profits": 0.0, "valuation_correction": -4149617.510025671, "limited_liability_put_option": 160281246.31499025, "fair_value": 183626128.80496457, "market_value": 33474088.891779423}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001401521.svg", "value": 0.8632272338818525, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001401521.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001401521.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001401521.svg"}, {"company_id": "0000011544", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000011544.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0000011544.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000011544.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000011544_256x256.png", "name": "Berkley W R CORP", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000011544.svg", "report_text": "The relative strengths and weaknesses of Berkley W R 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 Berkley W R CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Berkley W R CORP is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 86%, being 4.6% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000011544_2012_Berkley_W_R_CORP.pdf", "shrinked_graph_json": {"2010": {"Deferred Policy Acquisition Costs": "-0.340", "Assets": "-5.00", "Liabilities": "4.71", "Stockholders Equity": "-1.70", "ECR before LimitedLiability": "-4.22", "Investments": "6.50", "Intangible Assets": "-0.742", "Assets, Non-Current": "-0.390", "Separate Account Asset": "-4.34", "Premiums Receivable": "1.06", "Reinsurance Recoverables": "1.58", "Other Assets": "-7.11", "Liabilities Current": "0.425", "Reinsurance Payable": "-0.440", "Other Liabilities": "8.63", "Unearned Premiums": "-2.49", "Long Term Debt": "1.44", "Policyholder Contract Deposits": "7.11", "Claims Reserve and LAE": "-15.9", "Economic Capital Ratio": "-4.11", "Other Revenues": "0.247"}, "2011": {"Reinsurance Recoverables": "1.14", "Assets": "-6.88", "Liabilities": "6.38", "Stockholders Equity": "-2.69", "ECR before LimitedLiability": "-4.77", "Intangible Assets": "-0.549", "Assets, Non-Current": "-0.308", "Other Assets": "-6.30", "Separate Account Asset": "-4.39", "Assets, Current": "0.578", "Premiums Receivable": "0.910", "Deferred Policy Acquisition Costs": "-0.385", "Investments": "2.74", "Liabilities Current": "0.301", "Long Term Debt": "1.77", "Other Liabilities": "10.1", "Policyholder Contract Deposits": "7.17", "Claims Reserve and LAE": "-20.9", "Reinsurance Payable": "-0.185", "Economic Capital Ratio": "-4.61", "Other Revenues": "0.172"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0000011544_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "642,952", "Assets, Non-Current": "453,683", "Claims Reserve and LAE": "9,016,549", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "405,942", "General and Administrative Expense": "1,496,362", "Insurance Commissions and Fees": "85,405", "Intangible Assets": "90,581", "Investment Income": "538,698", "Investments": "12,995,393", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "566,716", "Other Compr. Net Income": "113,077", "Other Expenses": "468,274", "Other Liabilities": "2,632,698", "Other Net Income": "0", "Other Revenues": "264,384", "Policyholder Benefits and Claims": "2,309,867", "Policyholder Contract Deposits": "0", "Premiums Earned": "3,835,582", "Premiums Receivable": "1,087,208", "Reinsurance Payable": "215,723", "Reinsurance Recoverables": "1,286,072", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "1,953,721"}, "output_variables": {"Assets": "17,528,547", "Liabilities": "13,818,691", "Expenses": "4,274,503", "Revenues": "4,724,069", "Stockholders Equity": "3,709,856", "Net Income": "449,566", "Comprehensive Net Income": "506,104", "BaseVar": "154,148,528", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "84%"}}, "2011": {"input_variables": {"Assets, Current": "911,742", "Assets, Non-Current": "455,004", "Claims Reserve and LAE": "9,337,134", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "448,795", "General and Administrative Expense": "1,621,329", "Insurance Commissions and Fees": "92,843", "Intangible Assets": "90,832", "Investment Income": "526,351", "Investments": "13,439,518", "Liabilities Current": "0", "Long Term Debt": "0", "Other Assets": "461,686", "Other Compr. Net Income": "78,358", "Other Expenses": "481,557", "Other Liabilities": "2,703,866", "Other Net Income": "0", "Other Revenues": "375,923", "Policyholder Benefits and Claims": "2,658,365", "Policyholder Contract Deposits": "0", "Premiums Earned": "4,160,867", "Premiums Receivable": "1,206,204", "Reinsurance Payable": "241,204", "Reinsurance Recoverables": "1,473,950", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "2,189,575"}, "output_variables": {"Assets": "18,487,731", "Liabilities": "14,471,779", "Expenses": "4,761,251", "Revenues": "5,155,984", "Stockholders Equity": "4,015,952", "Net Income": "394,733", "Comprehensive Net Income": "433,912", "BaseVar": "268,893,720", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "86%"}}}, "top_rated": false, "trend": -8.0, "valuation": {"past_accumulated_profits": 2007976000.0, "future_profits": 0.0, "valuation_correction": -315996049.3522706, "limited_liability_put_option": 12422409388.037617, "fair_value": 14114389338.685347, "market_value": 3387106667.667885}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000011544.svg", "value": 0.8564683964467521, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000011544.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000011544.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000011544.svg"}, {"company_id": "0000005272", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000005272.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 32, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 11% points.The greatest weakness of American International Group INC is the variable Liabilities, reducing the Economic Capital Ratio by 30% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 5.3% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000005272_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -5.0, "valuation": {"past_accumulated_profits": 57164500000.0, "future_profits": 0.0, "valuation_correction": -9312436753.305126, "limited_liability_put_option": 375989476651.0429, "fair_value": 423841539897.7378, "market_value": 33477943498.551266}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000005272.svg", "value": 0.8500487655098896, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000005272.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000005272.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000005272.svg"}, {"company_id": "0000944695", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000944695.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 33, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Claims Reserve and LAE, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of Hanover Insurance Group Inc is the variable Assets, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 85%, being 5.7% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000944695_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -17.0, "valuation": {"past_accumulated_profits": 1254900000.0, "future_profits": 0.0, "valuation_correction": -211727441.25835946, "limited_liability_put_option": 8575375890.417576, "fair_value": 9618548449.159216, "market_value": 1049140236.7287598}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000944695.svg", "value": 0.8459957297294706, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000944695.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000944695.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000944695.svg"}, {"company_id": "0000230557", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000230557.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0000230557.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000230557.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000230557_256x256.png", "name": "Selective Insurance Group INC", "rank": 34, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000230557.svg", "report_text": "The relative strengths and weaknesses of Selective Insurance Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Selective Insurance Group INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Selective Insurance Group 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 84%, being 6.0% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000230557_2012_Selective_Insurance_Group_INC.pdf", "shrinked_graph_json": {"2010": {"Assets": "-9.88", "Liabilities": "8.21", "Stockholders Equity": "-3.54", "ECR before LimitedLiability": "-4.63", "Assets, Current": "-1.82", "Investments": "3.18", "Intangible Assets": "-1.03", "Assets, Non-Current": "-0.862", "Separate Account Asset": "-4.82", "Premiums Receivable": "1.69", "Reinsurance Recoverables": "1.79", "Other Assets": "-8.19", "Liabilities Current": "0.470", "Reinsurance Payable": "0.332", "Other Liabilities": "8.42", "Unearned Premiums": "-4.86", "Long Term Debt": "-1.39", "Policyholder Contract Deposits": "7.83", "Claims Reserve and LAE": "-15.5", "Economic Capital Ratio": "-4.52", "Premiums Earned": "-0.408"}, "2011": {"Reinsurance Recoverables": "3.28", "Assets": "-8.44", "Liabilities": "6.59", "Stockholders Equity": "-4.40", "ECR before LimitedLiability": "-6.13", "Intangible Assets": "-0.747", "Assets, Non-Current": "-0.728", "Other Assets": "-6.69", "Separate Account Asset": "-4.58", "Assets, Current": "-1.79", "Premiums Receivable": "1.63", "Investments": "1.12", "Liabilities Current": "0.305", "Long Term Debt": "-1.35", "Other Liabilities": "8.90", "Unearned Premiums": "-2.22", "Policyholder Contract Deposits": "7.26", "Claims Reserve and LAE": "-23.3", "Reinsurance Payable": "0.605", "Economic Capital Ratio": "-5.97", "Premiums Earned": "-0.249"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0000230557_strength_weakness.svg", "table_records": {"2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "103,304", "Claims Reserve and LAE": "2,830,058", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "209,627", "General and Administrative Expense": "23,886", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "-7,083", "Investments": "3,925,722", "Liabilities Current": "0", "Long Term Debt": "262,333", "Other Assets": "142,086", "Other Compr. Net Income": "0", "Other Expenses": "489,296", "Other Liabilities": "244,676", "Other Net Income": "-3,780", "Other Revenues": "155,106", "Policyholder Benefits and Claims": "982,118", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,416,598", "Premiums Receivable": "414,105", "Reinsurance Payable": "0", "Reinsurance Recoverables": "429,079", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "823,596"}, "output_variables": {"Assets": "5,231,772", "Liabilities": "4,160,663", "Expenses": "1,495,300", "Revenues": "1,564,621", "Stockholders Equity": "1,071,109", "Net Income": "65,541", "Comprehensive Net Income": "65,541", "BaseVar": "51,257,023", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "84%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "96,174", "Claims Reserve and LAE": "3,144,924", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "214,069", "General and Administrative Expense": "26,425", "Insurance Commissions and Fees": "0", "Intangible Assets": "7,849", "Investment Income": "2,240", "Investments": "4,112,421", "Liabilities Current": "0", "Long Term Debt": "307,360", "Other Assets": "130,021", "Other Compr. Net Income": "35,270", "Other Expenses": "475,548", "Other Liabilities": "267,866", "Other Net Income": "-650", "Other Revenues": "155,922", "Policyholder Benefits and Claims": "1,074,987", "Policyholder Contract Deposits": "0", "Premiums Earned": "1,439,313", "Premiums Receivable": "466,294", "Reinsurance Payable": "0", "Reinsurance Recoverables": "709,541", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "906,991"}, "output_variables": {"Assets": "5,736,369", "Liabilities": "4,627,141", "Expenses": "1,576,960", "Revenues": "1,597,475", "Stockholders Equity": "1,109,228", "Net Income": "19,865", "Comprehensive Net Income": "37,500", "BaseVar": "86,251,326", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "84%"}}}, "top_rated": false, "trend": -10.0, "valuation": {"past_accumulated_profits": 554614000.0, "future_profits": 0.0, "valuation_correction": -95972137.24851066, "limited_liability_put_option": 3908942898.1648893, "fair_value": 4367584760.916379, "market_value": 757868157.7881088}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000230557.svg", "value": 0.8428775117535234, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000230557.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000230557.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000230557.svg"}, {"company_id": "0000101199", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000101199.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 35, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000101199.svg", "report_text": "The relative strengths and weaknesses of United FIRE Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of United FIRE Group INC compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of United FIRE Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 6.0% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000101199_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 348070500.0, "future_profits": 0.0, "valuation_correction": -59314645.93136373, "limited_liability_put_option": 2467450498.616707, "fair_value": 2756206352.6853433, "market_value": 340801111.51774406}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000101199.svg", "value": 0.8426566193457893, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000101199.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000101199.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000101199.svg"}, {"company_id": "0001267238", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001267238.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 36, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Other Liabilities, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Assurant INC is the variable Assets, reducing the Economic Capital Ratio by 11% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 84%, being 6.5% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001267238_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -10.0, "valuation": {"past_accumulated_profits": 2513468000.0, "future_profits": 0.0, "valuation_correction": -467408147.52774066, "limited_liability_put_option": 18563651961.310432, "fair_value": 20609711813.782692, "market_value": 2819664021.782671}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001267238.svg", "value": 0.8377258386097464, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001267238.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001267238.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001267238.svg"}, {"company_id": "0000890926", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000890926.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 37, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 7.6% points.The greatest weakness of Radian Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 13% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 83%, being 7.0% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000890926_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 591145500.0, "future_profits": 0.0, "valuation_correction": -122035879.36571272, "limited_liability_put_option": 4578062151.212763, "fair_value": 5047171771.84705, "market_value": 233345273.39904982}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000890926.svg", "value": 0.8320950187935545, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000890926.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000890926.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000890926.svg"}, {"company_id": "0000891166", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000891166.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 38, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Reinsurance Recoverables, increasing the Economic Capital Ratio by 7.4% points.The greatest weakness of Universal Insurance Holdings Inc is the variable Investments, reducing the Economic Capital Ratio by 21% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 83%, being 7.5% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000891166_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 75002500.0, "future_profits": 0.0, "valuation_correction": -15785976.527763944, "limited_liability_put_option": 618292600.8926771, "fair_value": 677509124.3649131, "market_value": 76105686.26146853}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000891166.svg", "value": 0.827215732350675, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000891166.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000891166.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000891166.svg"}, {"company_id": "0000899051", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000899051.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 39, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000899051.svg", "report_text": "The relative strengths and weaknesses of Allstate CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Allstate CORP compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of Allstate CORP is the variable Policyholder Contract Deposits, reducing the Economic Capital Ratio by 17% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 82%, being 8.6% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000899051_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -10.0, "valuation": {"past_accumulated_profits": 9351000000.0, "future_profits": 0.0, "valuation_correction": -2168480954.552134, "limited_liability_put_option": 87764500610.0036, "fair_value": 94947019655.45146, "market_value": 10084775384.115164}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000899051.svg", "value": 0.817015623648603, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000899051.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000899051.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000899051.svg"}, {"company_id": "0000850141", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000850141.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 40, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Investments, increasing the Economic Capital Ratio by 6.8% points.The greatest weakness of Horace Mann Educators Corp De is the variable Other Liabilities, reducing the Economic Capital Ratio by 27% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 82%, being 8.6% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000850141_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": null, "valuation": {"past_accumulated_profits": 543463000.0, "future_profits": 0.0, "valuation_correction": -116578513.70977332, "limited_liability_put_option": 5241419937.730754, "fair_value": 5668304424.020981, "market_value": 349891652.16882706}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000850141.svg", "value": 0.8167263171484268, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000850141.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000850141.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000850141.svg"}, {"company_id": "0000005513", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000005513.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0000005513.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0000005513.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0000005513_256x256.png", "name": "Unum Group", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0000005513.svg", "report_text": "The relative strengths and weaknesses of Unum Group are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Unum Group compared to the market average is the variable Investments, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of Unum Group is the variable Claims Reserve and LAE, reducing the Economic Capital Ratio by 43% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 81%, being 8.9% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000005513_2012_Unum_Group.pdf", "shrinked_graph_json": {"2009": {"Assets, Non-Current": "-0.474", "Assets": "5.41", "Liabilities": "-6.55", "Stockholders Equity": "0.594", "ECR before LimitedLiability": "-5.93", "Other Assets": "-3.69", "Assets, Current": "-1.15", "Reinsurance Recoverables": "3.45", "Separate Account Asset": "-6.57", "Investments": "5.77", "Intangible Assets": "-0.623", "Deferred Policy Acquisition Costs": "0.791", "Claims Reserve and LAE": "-37.4", "Other Liabilities": "5.48", "Unearned Premiums": "1.24", "Long Term Debt": "-0.988", "Liabilities Current": "0.590", "Policyholder Contract Deposits": "5.44", "Economic Capital Ratio": "-5.75", "Other Expenses": "-0.250", "Investment Income": "-0.267"}, "2010": {"Deferred Policy Acquisition Costs": "1.14", "Assets": "5.60", "Liabilities": "-15.4", "Stockholders Equity": "-0.665", "ECR before LimitedLiability": "-7.35", "Assets, Current": "-1.17", "Investments": "6.18", "Intangible Assets": "-0.531", "Separate Account Asset": "-3.14", "Reinsurance Recoverables": "2.83", "Other Assets": "-5.62", "Liabilities Current": "0.281", "Other Liabilities": "5.52", "Unearned Premiums": "2.33", "Long Term Debt": "-1.68", "Policyholder Contract Deposits": "3.20", "Claims Reserve and LAE": "-36.2", "Economic Capital Ratio": "-7.24", "Other Expenses": "-0.216", "Investment Income": "-0.270", "Other Revenues": "0.308"}, "2011": {"Reinsurance Recoverables": "2.21", "Assets": "5.94", "Liabilities": "-17.4", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-9.01", "Intangible Assets": "-0.364", "Other Assets": "-4.51", "Separate Account Asset": "-3.02", "Assets, Current": "-1.16", "Deferred Policy Acquisition Costs": "0.836", "Investments": "6.47", "Liabilities Current": "0.185", "Long Term Debt": "-1.32", "Other Liabilities": "5.85", "Unearned Premiums": "3.80", "Policyholder Contract Deposits": "3.04", "Claims Reserve and LAE": "-43.2", "Reinsurance Payable": "0.367", "Economic Capital Ratio": "-8.85", "Investment Income": "-0.177", "Other Revenues": "0.228"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0000005513_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,054,100", "Claims Reserve and LAE": "37,740,800", "Deferred Acquisition Costs Amortization": "526,200", "Deferred Policy Acquisition Costs": "2,482,500", "General and Administrative Expense": "2,449,100", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,600", "Investment Income": "2,358,300", "Investments": "43,295,400", "Liabilities Current": "0", "Long Term Debt": "2,549,600", "Other Assets": "714,100", "Other Compr. Net Income": "1,313,500", "Other Expenses": "-28,500", "Other Liabilities": "3,572,200", "Other Net Income": "0", "Other Revenues": "257,200", "Policyholder Benefits and Claims": "6,291,600", "Policyholder Contract Deposits": "1,662,300", "Premiums Earned": "7,475,500", "Premiums Receivable": "1,732,400", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,996,900", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "452,000"}, "output_variables": {"Assets": "54,477,000", "Liabilities": "45,976,900", "Expenses": "9,238,400", "Revenues": "10,091,000", "Stockholders Equity": "8,500,100", "Net Income": "852,600", "Comprehensive Net Income": "1,509,350", "BaseVar": "337,732,521", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "81%"}}, "2010": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,127,400", "Claims Reserve and LAE": "39,715,000", "Deferred Acquisition Costs Amortization": "547,100", "Deferred Policy Acquisition Costs": "2,521,100", "General and Administrative Expense": "2,426,600", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,200", "Investment Income": "2,520,200", "Investments": "46,240,900", "Liabilities Current": "0", "Long Term Debt": "2,631,300", "Other Assets": "723,400", "Other Compr. Net Income": "900", "Other Expenses": "-20,700", "Other Liabilities": "3,910,600", "Other Net Income": "0", "Other Revenues": "241,600", "Policyholder Benefits and Claims": "6,354,100", "Policyholder Contract Deposits": "1,669,700", "Premiums Earned": "7,431,400", "Premiums Receivable": "1,665,800", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,827,900", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "436,700"}, "output_variables": {"Assets": "57,307,700", "Liabilities": "48,363,300", "Expenses": "9,307,100", "Revenues": "10,193,200", "Stockholders Equity": "8,944,400", "Net Income": "886,100", "Comprehensive Net Income": "886,550", "BaseVar": "349,206,321", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "81%"}}, "2011": {"input_variables": {"Assets, Current": "0", "Assets, Non-Current": "1,138,600", "Claims Reserve and LAE": "43,051,900", "Deferred Acquisition Costs Amortization": "533,800", "Deferred Policy Acquisition Costs": "2,300,900", "General and Administrative Expense": "2,472,700", "Insurance Commissions and Fees": "0", "Intangible Assets": "201,200", "Investment Income": "2,519,600", "Investments": "49,213,100", "Liabilities Current": "0", "Long Term Debt": "2,570,200", "Other Assets": "798,400", "Other Compr. Net Income": "107,000", "Other Expenses": "-173,400", "Other Liabilities": "3,920,800", "Other Net Income": "0", "Other Revenues": "244,200", "Policyholder Benefits and Claims": "7,209,500", "Policyholder Contract Deposits": "1,625,900", "Premiums Earned": "7,514,200", "Premiums Receivable": "1,672,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "4,854,600", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "0", "Unearned Premiums": "433,200"}, "output_variables": {"Assets": "60,179,000", "Liabilities": "51,602,000", "Expenses": "10,042,600", "Revenues": "10,278,000", "Stockholders Equity": "8,577,000", "Net Income": "235,400", "Comprehensive Net Income": "288,900", "BaseVar": "571,738,985", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "81%"}}}, "top_rated": false, "trend": -13.0, "valuation": {"past_accumulated_profits": 4288500000.0, "future_profits": 0.0, "valuation_correction": -1004728686.0318449, "limited_liability_put_option": 42213406239.084526, "fair_value": 45497177553.05268, "market_value": 4037775897.015481}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000005513.svg", "value": 0.8140413407117967, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000005513.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000005513.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000005513.svg"}, {"company_id": "0001042046", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001042046.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 42, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001042046.svg", "report_text": "The relative strengths and weaknesses of American Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of American Financial Group Inc compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of American Financial Group 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 81%, being 9.5% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001042046_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -12.0, "valuation": {"past_accumulated_profits": 2345500000.0, "future_profits": 0.0, "valuation_correction": -602823067.6509404, "limited_liability_put_option": 25456061087.00927, "fair_value": 27198738019.35833, "market_value": 1516880569.3258667}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001042046.svg", "value": 0.8071680447333798, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001042046.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001042046.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001042046.svg"}, {"company_id": "0000004977", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000004977.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 43, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 5.2% points.The greatest weakness of Aflac INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 35% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 80%, being 10% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000004977_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -11.0, "valuation": {"past_accumulated_profits": 6753000000.0, "future_profits": 0.0, "valuation_correction": -2019419100.718491, "limited_liability_put_option": 83382657875.26814, "fair_value": 88116238774.54965, "market_value": 13970326183.203325}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000004977.svg", "value": 0.7985232197351101, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000004977.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000004977.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000004977.svg"}, {"company_id": "0001126328", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0001126328.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/graphs/IME_0001126328.svg", "logo_url": "https://www.realrate-archive.com/us_non_life/logos/0001126328.png", "logo_url_256x256": "https://www.realrate-archive.com/us_non_life/logos/0001126328_256x256.png", "name": "Principal Financial Group Inc", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_0001126328.svg", "report_text": "The relative strengths and weaknesses of Principal Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio. <br/><br/>The greatest strength of Principal Financial Group Inc compared to the market average is the variable Assets, increasing the Economic Capital Ratio by 7.5% points.The greatest weakness of Principal Financial Group Inc is the variable Liabilities, reducing the Economic Capital Ratio by 51% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 78%, being 13% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0001126328_2012_Principal_Financial_Group_Inc.pdf", "shrinked_graph_json": {"2009": {"Assets": "4.75", "Liabilities": "-43.4", "Stockholders Equity": "-0.245", "ECR before LimitedLiability": "-10.7", "Other Assets": "-1.56", "Assets, Current": "0.293", "Reinsurance Recoverables": "-0.523", "Separate Account Asset": "1.82", "Investments": "1.03", "Premiums Receivable": "-0.259", "Deferred Policy Acquisition Costs": "0.612", "Claims Reserve and LAE": "-3.37", "Other Liabilities": "-12.0", "Unearned Premiums": "0.612", "Liabilities Current": "0.236", "Policyholder Contract Deposits": "-22.9", "Expenses": "-0.212", "Premiums Earned": "0.612", "Revenues": "0.441", "Investment Income": "-0.481", "Economic Capital Ratio": "-10.6"}, "2010": {"Deferred Policy Acquisition Costs": "0.736", "Assets": "5.85", "Liabilities": "-46.9", "Stockholders Equity": "-0.498", "ECR before LimitedLiability": "-11.6", "Investments": "-8.76", "Separate Account Asset": "2.89", "Premiums Receivable": "-0.273", "Reinsurance Recoverables": "-0.647", "Other Assets": "2.46", "Other Liabilities": "-10.7", "Unearned Premiums": "1.18", "Long Term Debt": "-0.166", "Policyholder Contract Deposits": "-28.4", "Claims Reserve and LAE": "-2.69", "General and Administrative Expense": "-0.162", "Expenses": "-0.213", "Revenues": "0.458", "Premiums Earned": "0.660", "Investment Income": "-0.430", "Economic Capital Ratio": "-11.5"}, "2011": {"Reinsurance Recoverables": "-0.721", "Assets": "7.54", "Liabilities": "-51.2", "Revenues": "0.201", "ECR before LimitedLiability": "-12.9", "Intangible Assets": "0.245", "Other Assets": "3.15", "Separate Account Asset": "3.56", "Assets, Current": "0.469", "Premiums Receivable": "-0.183", "Deferred Policy Acquisition Costs": "0.695", "Investments": "-7.87", "Long Term Debt": "-0.146", "Other Liabilities": "-11.2", "Unearned Premiums": "1.60", "Policyholder Contract Deposits": "-29.2", "Claims Reserve and LAE": "-4.58", "Reinsurance Payable": "0.138", "Premiums Earned": "0.370", "Investment Income": "-0.318", "Economic Capital Ratio": "-12.7"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/plot_over_time/0001126328_strength_weakness.svg", "table_records": {"2009": {"input_variables": {"Assets, Current": "2,240,400", "Assets, Non-Current": "1,677,900", "Claims Reserve and LAE": "19,248,300", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,681,400", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,238,100", "Investment Income": "3,400,800", "Investments": "63,936,500", "Liabilities Current": "0", "Long Term Debt": "1,584,600", "Other Assets": "1,181,200", "Other Compr. Net Income": "0", "Other Expenses": "2,868,900", "Other Liabilities": "45,612,400", "Other Net Income": "0", "Other Revenues": "1,697,700", "Policyholder Benefits and Claims": "5,334,500", "Policyholder Contract Deposits": "63,297,700", "Premiums Earned": "3,750,600", "Premiums Receivable": "1,065,400", "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": "62,738,500", "Unearned Premiums": "0"}, "output_variables": {"Assets": "137,759,400", "Liabilities": "129,743,000", "Expenses": "8,203,400", "Revenues": "8,849,100", "Stockholders Equity": "8,016,400", "Net Income": "645,700", "Comprehensive Net Income": "645,700", "BaseVar": "371,251,200", "ECR before LimitedLiability": "0.61%", "Economic Capital Ratio": "76%"}}, "2010": {"input_variables": {"Assets, Current": "1,877,400", "Assets, Non-Current": "1,323,300", "Claims Reserve and LAE": "20,046,300", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,529,800", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,180,000", "Investment Income": "3,496,500", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,583,700", "Other Assets": "67,102,300", "Other Compr. Net Income": "0", "Other Expenses": "3,103,000", "Other Liabilities": "43,968,600", "Other Net Income": "0", "Other Revenues": "2,106,600", "Policyholder Benefits and Claims": "5,338,400", "Policyholder Contract Deposits": "70,147,500", "Premiums Earned": "3,555,500", "Premiums Receivable": "1,063,000", "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": "69,555,300", "Unearned Premiums": "0"}, "output_variables": {"Assets": "145,631,100", "Liabilities": "135,746,100", "Expenses": "8,441,400", "Revenues": "9,158,600", "Stockholders Equity": "9,885,000", "Net Income": "717,200", "Comprehensive Net Income": "717,200", "BaseVar": "408,165,804", "ECR before LimitedLiability": "1.3%", "Economic Capital Ratio": "77%"}}, "2011": {"input_variables": {"Assets, Current": "2,833,900", "Assets, Non-Current": "942,200", "Claims Reserve and LAE": "20,207,900", "Deferred Acquisition Costs Amortization": "0", "Deferred Policy Acquisition Costs": "3,313,500", "General and Administrative Expense": "0", "Insurance Commissions and Fees": "0", "Intangible Assets": "1,372,900", "Investment Income": "3,375,800", "Investments": "0", "Liabilities Current": "0", "Long Term Debt": "1,564,800", "Other Assets": "67,225,900", "Other Compr. Net Income": "0", "Other Expenses": "3,504,300", "Other Liabilities": "44,604,200", "Other Net Income": "0", "Other Revenues": "2,442,800", "Policyholder Benefits and Claims": "4,454,100", "Policyholder Contract Deposits": "71,908,100", "Premiums Earned": "2,891,000", "Premiums Receivable": "1,245,200", "Reinsurance Payable": "0", "Reinsurance Recoverables": "0", "Revenues Y+1": "0", "Revenues Y+2": "0", "Revenues Y+3": "0", "Revenues Y+4": "0", "Revenues Y+5": "0", "Separate Account Asset": "71,364,400", "Unearned Premiums": "0"}, "output_variables": {"Assets": "148,298,000", "Liabilities": "138,285,000", "Expenses": "7,958,400", "Revenues": "8,709,600", "Stockholders Equity": "10,013,000", "Net Income": "751,200", "Comprehensive Net Income": "751,200", "BaseVar": "564,200,591", "ECR before LimitedLiability": "2.0%", "Economic Capital Ratio": "78%"}}}, "top_rated": false, "trend": -11.0, "valuation": {"past_accumulated_profits": 5006500000.0, "future_profits": 0.0, "valuation_correction": -2211999895.9750986, "limited_liability_put_option": 108318913670.91829, "fair_value": 111113413774.94319, "market_value": 4555110780.096085}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0001126328.svg", "value": 0.7754361827110694, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0001126328.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0001126328.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0001126328.svg"}, {"company_id": "0000874766", "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution_0000874766.svg", "graph_url": "https://www.realrate-archive.com/us_non_life/2011/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": 45, "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/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 Assets, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of Hartford Insurance Group INC is the variable Liabilities, reducing the Economic Capital Ratio by 52% points. <br/><br/> The company's Economic Capital Ratio, given in the ranking table, is 78%, being 13% points below the market average of 90%.", "report_url": "https://www.realrate-archive.com/us_non_life/2011/report/0000874766_2012_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"}}, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_non_life/2011/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%"}}}, "top_rated": false, "trend": -11.0, "valuation": {"past_accumulated_profits": 11455000000.0, "future_profits": 0.0, "valuation_correction": -5795074373.122565, "limited_liability_put_option": 221193466491.2715, "fair_value": 226853392118.14896, "market_value": 5385293611.722681}, "valuation_plot": "https://www.realrate-archive.com/us_non_life/2011/valuation/valuation_0000874766.svg", "value": 0.775278245433835, "company_index": "https://www.realrate-archive.com/us_non_life/2011/industry_indexes/0000874766.svg", "analysing_equity": "https://www.realrate-archive.com/us_non_life/2011/analytics/equity/0000874766.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_non_life/2011/analytics/profit_loss/0000874766.svg"}], "feature_distribution_plot": "https://www.realrate-archive.com/us_non_life/2011/feature_distribution/feature_distribution.svg", "final_var_label": "Economic Capital Ratio", "industry_box": [["Revenues", "622 B"], ["Assets", "2.40 K"], ["Expenses", "559 B"], ["Stockholders Equity", "561 B"]], "industry_id": "us_non_life", "industry_label": "Non-Life Insurance", "num_companies": 45, "num_top_companies": 11, "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"}}}, "rating_box": [["Top rated", "11 of 45"], ["Best, worst rating", "120 %, 77.5 %"], ["New companies", "14"]], "regression_plot": "https://www.realrate-archive.com/us_non_life/2011/backtesting_correlation/regression_2011.svg", "scentences": ["White Mountains Insurance Group Ltd climbed 2 positions from 15 to 13 due to its excellent Assets.", "Hanover Insurance Group Inc lost 17 positions from 16 to 33 due to its bad Assets.", "Investors Title CO entered the 2012 ranking at rank 1, making it the best newcomer.", "The biggest company by assets, American International Group INC, is only ranked at place 32 whereas the smallest company, Investors Title CO, is financially stronger at rank 1."], "url_segment": "2012-us-non-life", "year": 2012, "feature_importance": "https://www.realrate-archive.com/us_non_life/2011/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}}, 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