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.
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.
Constellation Software (CNSWF) investment Quality Rating (AAA)
Old York Financial issues a (AAA) Operational Quality Rating for Constellation Software (CSU). Analysis of $3.78B Owner Earnings, 25%+ incremental ROIC, and $1.8B in 2025 acquisitions. View the 2025 software sovereign registry.
Hewlett Packard Enterprise (HPE) investment Quality Rating (BBB)
Old York Financial issues a (BBB) Operational Quality Rating for Hewlett Packard Enterprise (HPE). Analysis of $3.39B Owner Earnings, Juniper Networks integration, and 23% networking margins. View the 2025 hybrid cloud registry.
Broadcom Inc. (AVGO) investment Quality Rating (AAA)
Old York Financial issues a (AAA) Operational Quality Rating for Broadcom Inc. (AVGO). Forensic analysis of $39.9B Owner Earnings, 67% EBITDA margins, and VMware integration. View the 2025 registry for semiconductor sovereigns.
Atlassian Corp (TEAM) investment Quality Rating (B)
Old York Financial issues a (B) Operational Quality Rating for Atlassian (TEAM). Forensic analysis of the $1.6B Owner Earnings, negative 2.9% ROIC, and the $3.3B RPO backlog. View the 2025 registry for collaboration software ratings.
Workday, Inc. (WDAY) investment Quality Rating (A)
Old York Financial issues an (A) Operational Quality Rating for Workday, Inc. (WDAY). Clinical analysis of $3.63B Owner Earnings, $28.1B total backlog, and the transition to Agentic AI. View the 2025 forensic registry for HCM sovereigns.
Intuit Inc. (INTU) Old York investment Quality Rating (AAA)
Old York Financial issues a (AAA) Operational Quality Rating for Intuit Inc. (INTU). Clinical analysis of $7.0B Owner Earnings, 20.1% ROIC, and the QuickBooks/TurboTax AI ecosystem. View the 2025 forensic registry for fintech sovereigns.
ServiceNow, Inc. (NOW) investment Quality Rating (AA)
Old York Financial issues an (AA) Operational Quality Rating for ServiceNow (NOW). Analysis of the $4.85B Owner Earnings, $28.2B total backlog, and the "Now Assist" AI adoption. View the 2025 forensic registry for enterprise workflow sovereigns.
Adobe Inc. (ADBE) investment Quality Rating (AA)
Old York Financial issues an (AA) Operational Quality Rating for Adobe Inc. (ADBE). Clinical analysis of the $10.8B Owner Earnings, 36.7% ROIC, and the Firefly AI integration. View the 2025 forensic registry for creative software sovereigns.
Salesforce Inc. (CRM) investment Quality Rating (A)
Old York Financial issues an (A) Operational Quality Rating for Salesforce (CRM). Clinical analysis of the $15.9B Owner Earnings, 32.8% FCF margin, and the Agentforce AI pivot. View the 2025 forensic registry for cloud software sovereigns.
Oracle Corporation (ORCL) investment Quality Rating (AA)
Old York Financial issues an (AA) Operational Quality Rating for Oracle Corporation (ORCL). Clinical analysis of Oracle's $523B backlog, OCI cloud infrastructure, and the "Stargate" AI capital deployment. View the 2026 forensic registry for enterprise software sovereigns.
Microsoft Corp. (MSFT) investment Quality Rating (AAA)
Access the forensic (AAA) rating for Microsoft (MSFT). Old York Financial Analysis MSFT’s $101B Net Income, 21.5% ROIC, and the "Azure AI" expansion. See why the "Cloud Sovereign" is the 2026 benchmark for full-stack operational excellence.
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.