Top 50 ranked by Buffett-Fit
Sorted by composite quality score - ROIC, margin stability, balance-sheet strength, growth quality. Click any ticker for the full Buffett verdict.
Auto, home, commercial property & casualty insurance. The 'float' business model Buffett built Berkshire on - collect premiums today, pay claims later, earn returns on the gap.
Industry leader
Palomar Holdings, Inc. PLMR
Buffett-Fit: 73/100
P&C insurers earn through underwriting profit + float returns. The Buffett model: write disciplined risks (combined ratio under 100), invest the float at higher returns than the cost of capital. Combined ratio history + sustained book-value-per-share growth are the quality screens. Catastrophe exposure is the cycle risk.
Sorted by composite quality score - ROIC, margin stability, balance-sheet strength, growth quality. Click any ticker for the full Buffett verdict.
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Educational framework analysis only. Not investment advice, not a recommendation, not personalized to your situation. Always do your own research.
