Analysis reports / SIC major group
Insurance Carriers financial report
Mechanical ranking by stated metric from SEC/FRED data; not a recommendation, endorsement, or quality/investment judgment.
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Distribution Summary
| Metric | Count | Median | Minimum | Maximum | Min-Max range |
|---|---|---|---|---|---|
| Net margin | 91 | 9.09% | -126.62% | 60.84% | 187.46% |
| Operating margin | 20 | 3.84% | -4.44% | 41.82% | 46.26% |
| Revenue growth | 90 | 7.86% | -13.68% | 104.31% | 117.99% |
| Free cash flow | 55 | 412,518,000 | -636,000,000 | 25,042,000,000 | 25,678,000,000 |
| ROE | 92 | 12.12% | -67.59% | 39.88% | 107.46% |
| Liabilities / equity | 92 | 3.05 | 0.29 | 37.25 | 36.96 |
Highest reported net margin
| Rank | Company | Net margin | FY | Extra |
|---|---|---|---|---|
| 1 | MTG - MGIC INVESTMENT CORP | 60.84% | 2025 | |
| 2 | NMIH - NMI Holdings, Inc. | 55.05% | 2025 | |
| 3 | ESNT - Essent Group Ltd. | 54.72% | 2025 | |
| 4 | RDN - RADIAN GROUP INC | 48.67% | 2025 | |
| 5 | AGO - ASSURED GUARANTY LTD | 45.32% | 2025 | |
| 6 | SLDE - Slide Insurance Holdings, Inc. | 38.41% | 2025 | |
| 7 | AII - American Integrity Insurance Group, Inc. | 36.03% | 2025 | |
| 8 | HCI - HCI Group, Inc. | 33.19% | 2025 | |
| 9 | ACIC - AMERICAN COASTAL INSURANCE Corp | 31.85% | 2025 | |
| 10 | WTM - WHITE MOUNTAINS INSURANCE GROUP LTD | 29.62% | 2025 |
Lowest reported net margin
| Rank | Company | Net margin | FY | Extra |
|---|---|---|---|---|
| 1 | MBI - MBIA INC | -126.62% | 2025 | |
| 2 | OSG - OCTAVE SPECIALTY GROUP INC | -103.13% | 2025 | |
| 3 | LMND - Lemonade, Inc. | -22.43% | 2025 | |
| 4 | KWY - KINGSWAY Corp | -7.59% | 2025 | |
| 5 | CLOV - CLOVER HEALTH INVESTMENTS, CORP. /DE | -4.45% | 2025 | |
| 6 | OSCR - Oscar Health, Inc. | -3.79% | 2025 | |
| 7 | NODK - NI Holdings, Inc. | -3.65% | 2025 | |
| 8 | CNC - CENTENE CORP | -3.43% | 2025 | |
| 9 | CRBG - Corebridge Financial, Inc. | -1.98% | 2025 | |
| 10 | ALHC - Alignment Healthcare, Inc. | -0.02% | 2025 |
Highest reported operating margin
| Rank | Company | Operating margin | FY | Extra |
|---|---|---|---|---|
| 1 | ACIC - AMERICAN COASTAL INSURANCE Corp | 41.82% | 2025 | |
| 2 | HRTG - Heritage Insurance Holdings, Inc. | 31.53% | 2025 | |
| 3 | MKL - MARKEL GROUP INC. | 20.59% | 2025 | |
| 4 | THG - HANOVER INSURANCE GROUP, INC. | 14.15% | 2025 | |
| 5 | AFG - AMERICAN FINANCIAL GROUP INC | 13.13% | 2025 | |
| 6 | VOYA - Voya Financial, Inc. | 12.68% | 2025 | |
| 7 | CNO - CNO Financial Group, Inc. | 12.33% | 2025 | |
| 8 | MET - METLIFE INC | 7.96% | 2025 | |
| 9 | UNH - UNITEDHEALTH GROUP INC | 4.24% | 2025 | |
| 10 | ROOT - Root, Inc. | 4.07% | 2025 |
Lowest reported operating margin
| Rank | Company | Operating margin | FY | Extra |
|---|---|---|---|---|
| 1 | CLOV - CLOVER HEALTH INVESTMENTS, CORP. /DE | -4.44% | 2025 | |
| 2 | CNC - CENTENE CORP | -3.91% | 2025 | |
| 3 | OSCR - Oscar Health, Inc. | -3.39% | 2025 | |
| 4 | KWY - KINGSWAY Corp | -1.78% | 2025 | |
| 5 | ALHC - Alignment Healthcare, Inc. | 0.37% | 2025 | |
| 6 | TRUP - TRUPANION, INC. | 0.96% | 2025 | |
| 7 | MOH - MOLINA HEALTHCARE, INC. | 1.72% | 2025 | |
| 8 | HUM - HUMANA INC | 2.09% | 2025 | |
| 9 | CI - Cigna Group | 3.35% | 2025 | |
| 10 | ELV - Elevance Health, Inc. | 3.62% | 2025 |
Largest reported revenue growth
| Rank | Company | Revenue growth | FY | Extra |
|---|---|---|---|---|
| 1 | JXN - Jackson Financial Inc. | 104.31% | 2025 | |
| 2 | WTM - WHITE MOUNTAINS INSURANCE GROUP LTD | 66.76% | 2025 | |
| 3 | PLMR - Palomar Holdings, Inc. | 58.16% | 2025 | |
| 4 | ALHC - Alignment Healthcare, Inc. | 46.06% | 2025 | |
| 5 | BHF - Brighthouse Financial, Inc. | 43.23% | 2025 | |
| 6 | CLOV - CLOVER HEALTH INVESTMENTS, CORP. /DE | 40.34% | 2025 | |
| 7 | LMND - Lemonade, Inc. | 40.15% | 2025 | |
| 8 | KINS - KINGSTONE COMPANIES, INC. | 38.50% | 2025 | |
| 9 | SLDE - Slide Insurance Holdings, Inc. | 36.50% | 2025 | |
| 10 | AII - American Integrity Insurance Group, Inc. | 35.30% | 2025 |
Largest reported free cash flow
| Rank | Company | Free cash flow | FY | Extra |
|---|---|---|---|---|
| 1 | BRK-B - BERKSHIRE HATHAWAY INC | 25,042,000,000 | 2025 | |
| 2 | PGR - PROGRESSIVE CORP/OH/ | 17,200,000,000 | 2025 | |
| 3 | UNH - UNITEDHEALTH GROUP INC | 16,075,000,000 | 2025 | |
| 4 | ALL - ALLSTATE CORP | 9,882,000,000 | 2025 | |
| 5 | ACGL - ARCH CAPITAL GROUP LTD. | 6,128,000,000 | 2025 | |
| 6 | HIG - HARTFORD INSURANCE GROUP, INC. | 5,753,000,000 | 2025 | |
| 7 | CNC - CENTENE CORP | 4,321,000,000 | 2025 | |
| 8 | ELV - Elevance Health, Inc. | 3,174,000,000 | 2025 | |
| 9 | CINF - CINCINNATI FINANCIAL CORP | 3,092,000,000 | 2025 | |
| 10 | L - LOEWS CORP | 2,700,000,000 | 2025 |
Highest reported ROE
| Rank | Company | ROE | FY | Extra |
|---|---|---|---|---|
| 1 | SLDE - Slide Insurance Holdings, Inc. | 39.88% | 2025 | |
| 2 | HRTG - Heritage Insurance Holdings, Inc. | 38.71% | 2025 | |
| 3 | PGR - PROGRESSIVE CORP/OH/ | 37.29% | 2025 | |
| 4 | KG - Kestrel Group Ltd | 36.42% | ||
| 5 | ACIC - AMERICAN COASTAL INSURANCE Corp | 33.64% | 2025 | |
| 6 | ALL - ALLSTATE CORP | 33.59% | 2025 | |
| 7 | KINS - KINGSTONE COMPANIES, INC. | 33.22% | 2025 | |
| 8 | UVE - UNIVERSAL INSURANCE HOLDINGS, INC. | 33.20% | 2025 | |
| 9 | PRI - Primerica, Inc. | 30.71% | 2025 | |
| 10 | HG - Hamilton Insurance Group, Ltd. | 29.77% | 2025 |
Highest reported liabilities / equity
| Rank | Company | Liabilities / equity | FY | Extra |
|---|---|---|---|---|
| 1 | LNC - LINCOLN NATIONAL CORP | 37.25 | 2025 | |
| 2 | BHF - Brighthouse Financial, Inc. | 34.72 | 2025 | |
| 3 | VOYA - Voya Financial, Inc. | 34.69 | 2025 | |
| 4 | JXN - Jackson Financial Inc. | 34.39 | 2025 | |
| 5 | CRBG - Corebridge Financial, Inc. | 30.27 | 2025 | |
| 6 | PFG - PRINCIPAL FINANCIAL GROUP INC | 27.68 | 2025 | |
| 7 | MET - METLIFE INC | 25.22 | 2025 | |
| 8 | PRU - PRUDENTIAL FINANCIAL INC | 22.76 | 2025 | |
| 9 | FG - F&G Annuities & Life, Inc. | 19.47 | 2025 | |
| 10 | CNO - CNO Financial Group, Inc. | 13.70 | 2025 |
Lowest reported liabilities / equity
| Rank | Company | Liabilities / equity | FY | Extra |
|---|---|---|---|---|
| 1 | MTG - MGIC INVESTMENT CORP | 0.29 | 2025 | |
| 2 | ESNT - Essent Group Ltd. | 0.29 | 2025 | |
| 3 | ITIC - INVESTORS TITLE CO | 0.35 | 2025 | |
| 4 | NMIH - NMI Holdings, Inc. | 0.48 | 2025 | |
| 5 | RDN - RADIAN GROUP INC | 0.70 | 2025 | |
| 6 | BRK-B - BERKSHIRE HATHAWAY INC | 0.70 | 2025 | |
| 7 | CLOV - CLOVER HEALTH INVESTMENTS, CORP. /DE | 0.75 | 2025 | |
| 8 | STC - STEWART INFORMATION SERVICES CORP | 0.98 | 2025 | |
| 9 | NODK - NI Holdings, Inc. | 1.11 | 2025 | |
| 10 | WTM - WHITE MOUNTAINS INSURANCE GROUP LTD | 1.12 | 2025 |
Informational only - not investment advice.