23.68 - 23.68
20.75 - 25.07
1.4K / 5.9K (Avg.)
Profitability reveals how effectively the business turns revenues into profits. Higher and improving margins or returns on capital suggest a durable competitive advantage, supporting a stronger intrinsic valuation.
3.99%
ROE exceeding 1.5x Insurance - Life median of 2.31%. Joel Greenblatt would check if high returns reflect a sustainable advantage.
0.23%
ROA 1.25-1.5x Insurance - Life median of 0.17%. Bruce Berkowitz would investigate if this gap reflects a unique competitive edge.
0.31%
ROCE 50-75% of Insurance - Life median of 0.44%. Guy Spier would test if management can reallocate capital better.
100.00%
Gross margin near Insurance - Life median of 100.00%. Charlie Munger might attribute it to standard industry practices.
18.12%
Operating margin exceeding 1.5x Insurance - Life median of 9.11%. Joel Greenblatt would study if unique processes or brand lift margins.
13.77%
Net margin exceeding 1.5x Insurance - Life median of 5.84%. Joel Greenblatt would see if this advantage is sustainable across cycles.