Industry
- Aerospace & Defense 12
- Analytics 10
- Apparel 6
- Bank 16
- Beverages / Food 4
- Car Manufacturing 7
- Chemicals 3
- Communication Services 3
- Consulting 3
- Consumer Defensive 10
- Consumer Discretionary 18
- Credit Services 10
- Cybersecurity 3
- Data 6
- Energy 12
- Entertainment 4
- Exchanges 5
- Farm & Heavy Construction Machinery 2
- Financial 46
- Food Processing 1
- Grocery Store 5
- Hardware 18
- Healthcare 6
- Holding Company 5
- Home Improvement 2
- Industrial 37
- Information Technology 16
- Insurance 15
- Investment Banking 5
- Logistics 9
- Luxury 6
- Market Infrastructure 9
- Materials 6
- Mining 3
- Oil & Gas 12
- Payment 5
- Personal Care & Beauty 1
- Pharmaceuticals 4
- Railroad 5
- Ratings 6
- Real Estate 5
- Restaurants 4
- Retail 16
- Semi-Conductors 17
- Software 17
- Technology 39
- Telecommunications 11
- Trade Distributors 4
- Utilities 6
- Waste Management 4
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.
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.
Fair Isaac Corp. (FICO) investment Quality Rating (AAA)
FICO 2025 Operational Quality Audit: Why Fair Isaac Corp earns a Sovereign (AAA) Rating. A principal’s analysis of 45% ROIC, terminal pricing power, and why FICO is the ultimate 'Invisible Toll Bridge' in the Global Monopoly Registry.
American Express Co. (AXP) investment Quality Rating (AA)
American Express (AXP) 2025 Analysis: Why the 'Vertical Monopoly' earns an Old York Fortress (AA) Rating. A principal’s deep dive into 18.5% ROIC, Gen Z adoption, and why credit risk separates Amex from Sovereign AAA giants like Visa.
Mastercard Inc. (MA) investment Quality Rating (AAA)
Mastercard (MA) earns the Old York Sovereign (AAA) Rating for 2025. Analysis of its $16.6B Owner Earnings, 50% ROIC, and the explosive 23% growth in its Value-Added Services. See why Mastercard is the high-margin king of global payments.
Visa Inc. (V) investment Quality Rating (AAA)
Visa Inc. (V) earns the Old York Sovereign (AAA) Rating for 2025. A principal-led analysis of its $20.76B Owner Earnings, 33.4% ROIC, and its 50% global market share. See why Visa remains the world's ultimate 'Toll Collector' business.