Industry
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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.
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.
UnitedHealth Group Inc. (UNH) investment Quality Rating (A)
Access the forensic (A) rating for UnitedHealth (UNH). Old York Financial Analysis UNH’s $20.3B Owner Earnings, the Optum vertical moat, and the 2025 margin reset. See why the "Healthcare Sovereign" is a 2026 benchmark for defensive cash flow.
Manulife Financial (MFC.TO) investment Quality Rating (A)
Is Manulife a Sovereign-grade machine? Access Old York’s Forensic (A) rating of (MFC.TO). We audit Manulife’s $9.5B Owner Earnings, Asian growth velocity, and the efficiency of its $1.1 Trillion Global WAM engine. See why this "Pacific Powerhouse" is a High-Grade Operator for the private principal.
Fairfax Financial (FFH.TO) investment Quality Rating (AA)
Fairfax Financial receives an Old York Operational Quality (AA) Rating for FY2025. A forensic audit of Watsa’s investment engine, record float growth, and capital allocation strength.
Markel Group (MKL) investment Quality Rating (AA)
Markel Group receives an Old York Operational Quality AA Rating for FY2025. A clinical audit of MKL’s three-engine model, Owner Earnings velocity, and insurance float efficiency.
Intact Financial (IFC.TO) investment Quality Rating (AA)
Intact Financial (IFC.TO) 2025 Analysis: Why Canada's insurance leader earns an Old York (AA) Rating. Analysis of C$3.7B in Owner Earnings, a record 88.2% combined ratio, and 19.5% Operating ROE.
Berkshire Hathaway (BRK-A) investment Quality Rating (AA)
Berkshire Hathaway (BRK-A) 2025 Analysis: Why the Buffett-led fortress earns an Old York (AA) Rating. Analysis of $45.2B in Owner Earnings, the $174B Insurance Float, and the impact of its $358B Cash Mountain.