Industry
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Experian (EXPN) investment Quality Rating (A)
Experian (EXPN) earns an (A) rating. Forensic analysis of its 16.6% ROIC, the $1B "Cannibal" buyback program for 2026, and why it outperforms Equifax and TransUnion. Is Experian a Good Investment?
TransUnion (TRU) investment Quality Rating (B)
TransUnion (TRU) earns a (B) rating. Forensic analysis of its 4.2% ROIC, the $5B debt anchor, and why its $300M buyback program fails the "Reduction" test.
Equifax (EFX) investment Quality Rating (BBB)
Equifax (EFX) earns a (BBB) rating. Forensic analysis of its 8.15% ROIC, the 51.5% margins in Workforce Solutions, and why $1.2B in "Cannibal" buybacks can't hide its mortgage sensitivity.
Fidelity National services (FIS) investment Quality Rating (BB)
FIS earns a (BB) rating. Forensic analysis of the 2026 Worldpay exit, the $1.3B buyback pause, and why its 3.2% ROIC fails the Old York "Yardstick" test.
Fiserv (FI) investment Quality Rating (BB)
Fiserv (FI) earns a (BB) rating. Forensic analysis of its 2025 "Argentina Reset," the 23% Clover growth, and why its $5.6B buyback program cannot hide a failing ROIC.
Global Payments (GPN) investment Quality Rating (BBB)
Global Payments (GPN) earns a (BBB) rating. Forensic analysis of the Worldpay integration, its 5.3% Adjusted ROIC, and why its $2.5B "Cannibal" buyback program is masking structural margin pressures.
Great-West Lifeco (GWO) investment Quality Rating (A)
Great-West Lifeco (GWO) earns an (A) rating. Forensic analysis of its 18.2% Base ROE, the Empower 401(k) moat, and why $1.6B in share buybacks meet the Registry's "Cannibal" standards.
Sun Life Financial (SLF) investment Quality Rating (AA)
Sun Life (SLF) earns a (AA) rating. Analysis of its 18.2% Underlying ROE, its $1.6 Trillion AUM, and why its 25 million share buyback program meets the yardstick.
Synchrony Financial (SYF) investment Quality Rating (B)
Synchrony Financial (SYF) earns a (B) rating. Forensic analysis of its 10.5% share count reduction, its $3.8B Owner Earnings, and why the 10% rate cap proposal threatens its core model.
Capital One Financial (COF) investment Quality Rating (BBB)
Capital One (COF) earns a (BBB) rating. Forensic analysis of the Discover merger, the $20.7B credit loss provision, and why its new $16B buyback program marks a return to its "Cannibal" roots.
Arthur J. Gallagher & Co. (AJG) investment Quality Rating (A)
Arthur J. Gallagher (AJG) earns a (A) rating for 2025. Forensic analysis of its 10.2% net margin, the impact of the AssuredPartners merger, and why its equity dilution prevents a higher rating.
Aon plc (AON) investment Quality Rating (AA)
Aon (AON) earns a (AA) rating. Analysis of its 21.5% profit margin, the NFP acquisition impact on ROIC, and why its $1B share buyback program matters.
Marsh (MRSH) investment Quality Rating (AA)
Marsh (MRSH) earns a (AA) rating. Forensic analysis of its $6.3B Owner Earnings, 18 years of margin expansion, and the impact of its record $2B share buyback.
Allstate Corp (ALL) investment Quality Rating (BBB)
Allstate (ALL) earns a (BBB) rating. Analysis of its $7.8B Owner Earnings, the 2025 ROIC spike vs. historical averages, and why it remains a cyclical Price Follower.
Travelers Companies (TRV) investment Quality Rating (A)
Travelers (TRV) earns a (A) rating for 2025. Forensic analysis of its $9.3B Owner Earnings, 19.4% Core ROE, and the impact of its $5B share buyback program.
The Progressive Corporation (PGR) investment Quality Rating (AAA)
Progressive (PGR) earns a (AAA) rating for its 87.4 combined ratio, 40% ROE, and dominant 18.5% market share. See the Old York Yardstick forensic analysis.
Chubb Limited (CB) investment Quality Rating (AAA)
Chubb earns a (AAA) Operational Quality Rating. Analysis of CB’s 15% ROIC benchmark, zero net dilution, and structural monopoly in high-net-worth insurance.
Emerson Electric (EMR) investment Quality Rating (BBB)
Old York Financial analyzes Emerson Electric’s (EMR) transformation into an automation pure-play. Detailed review of 27.6% operating margins, 11.5% ROIC, and 2025 equity retraction.
Illinois Tool Works (ITW) investment Quality Rating (AA)
Old York Financial issues a (AA) rating for Illinois Tool Works (ITW). Analysis of its elite 29.3% ROIC, record 26.3% operating margins, and $3.3B returned to shareholders in 2025.
Parker Hannifin (PH) investment Quality Rating (AA)
Old York Financial issues a (AA) rating for Parker Hannifin (PH). Analysis of its 17.5% ROIC, record $11B backlog, and its 69-year dividend increase streak in fiscal 2025.