Insurance - Diversified: Berkshire Hathaway Inc. owns the largest revenue base; Arch Capital Group Ltd. has the fastest current growth.
The industry itself · before any single company
How has Insurance - Diversified moved against S&P 500?
The line below covers 5.2 years. Over the most recent two of them this industry is 9% behind S&P 500. Earnings across its companies grew 6% on average over the last four reported quarters — close to flat.
TURNING · ahead 1w~Moving with the index5 of 11 companies ahead of S&P 500 by 5% or more over three months1 is 20% or more behind over a year while earnings grew 20% or more
Insurance - Diversified, equal-weighted, based at 200S&P 500, same base, same starttrailing 12-month earnings per share risingfalling
Strength anatomyMixedHow much of the industry is participating, how recently, and whether the movers score well.
Together5 of 11 stocks moving
Fresh3 crossed in the last 4 weeks
Backed by scoresmovers score +7 vs the industry average
Down the cap ladder — bar is now, tick is four weeks ago
Large1/30
Mid2/4+2
Small2/40
Participation is spreading downward — the mid and small companies added more this month than the large ones did.
Both lines start at 200 in the same week, so the distance between them is the whole story: the industry line is an equal-weighted index of its 11 companies. The bars underneath are trailing 12-month earnings per share, one bar per reported quarter, each member rebased to 100 at the start and the industry taking the median — so a price line pulling away from flat bars is a re-rating, not earnings. A bar turns red when that figure is lower than the quarter before. Rules are fixed and applied identically everywhere on this site: ahead by 5% or more over three months, or behind by 20% or more over a year while earnings grew 20% or more. Hover any point to read both values and the gap. This is a description of what the numbers did, not advice.
Sector relative strength · before individual stocks
Is Insurance - Diversified outperforming S&P 500?
Insurance - Diversified has underperformed S&P 500 by 2.2% over the last 52 weeks. Over 13 weeks the gap is a lead of 2.6%. 5 of 9 covered companies currently beat the S&P 500 on Mansfield relative strength, so leadership inside the sector is selective. Pelagos Insurance Capital Limited is the strongest against the sector itself at +21%.
+2.6%Sector vs S&P 500 · 13 weeks
-2.2%Sector vs S&P 500 · 52 weeks
5/9Stocks leading S&P 500
5/9Stocks leading sector
Sector metric: — as of latest available · unclassified · direction unavailable.
The central tension: the companies with the most scale are not necessarily the companies creating the most change.
Start with scale. Then earnings trajectory. Then business quality. Only after those three agree should price leadership carry much weight.
Bottom line
Insurance - Diversified has underperformed S&P 500 by 2.2% over 52 weeks and 2.6% over 13 weeks. 5 of 9 covered companies beat the S&P 500 on Mansfield relative strength, while 5 of 9 beat the sector itself. Berkshire Hathaway Inc. leads with income of $375,394 million, based on 7 of 10 comparable companies through Mar 2026.
Is the Insurance - Diversified sector outperforming S&P 500?
Insurance - Diversified has underperformed S&P 500 by 2.2% over 52 weeks and 2.6% over 13 weeks. 5 of 9 covered companies beat the S&P 500 on Mansfield relative strength, while 5 of 9 beat the sector itself.
Which Insurance - Diversified company is largest by income?
Berkshire Hathaway Inc. leads with income of $375,394 million, based on 7 of 10 comparable companies through Mar 2026.
Which Insurance - Diversified company is growing fastest?
Arch Capital Group Ltd. has the fastest current income growth at 8.8%, across 7 of 10 comparable companies.
Which Insurance - Diversified company has the strongest 4-Factor Sector Score?
International General Insurance Holdings Ltd. ranks first at 59.6/100 with 70% evidence confidence. The score prioritizes research; it is not a buy recommendation.
Which Insurance - Diversified company has the lowest comparable P/BV-to-ROE?
Aegon Ltd. has the lowest comparable P/BV ÷ ROE at 0.02, among 9 of 10 companies that pass the metric’s comparability rules.
How much history does this Insurance - Diversified comparison include?
The page compares up to 20 reported quarters per company for fundamentals, CAPEX, debt and valuation, ending Jun 2026. Missing observations remain blank rather than being estimated.
How is the 4-Factor Sector Score calculated?
The four visible contributions add directly: growth and earnings up to 35 points, capital efficiency up to 25, valuation up to 20, and relative strength up to 20. Missing or stale evidence moves only the affected contribution toward neutral.
Companies
10
complete canonical membership
Combined market value
$1.3T
Berkshire Hathaway Inc.
Revenue growing
3/7
positive TTM year-on-year growth
Beating S&P 500
5/9
positive Mansfield relative strength
Global company selection
00 · research priority, made explicit
4-Factor Sector Score
An additive sector-relative research score. The four displayed point contributions always equal the total: Growth & earnings (35), Capital efficiency (25), Valuation (20), and Relative strength (20). Missing or stale evidence is absorbed inside the affected factor, never applied as a hidden adjustment.
International General Insurance Holdings Ltd. has the strongest current balance of earnings trajectory, business quality, valuation and price confirmation, with 70% evidence confidence.
International General Insurance Holdings Ltd. looks inexpensive relative to peers or its own history, but its earnings trajectory has not yet earned the valuation signal.
International General Insurance Holdings Ltd. has stronger price confirmation than earnings confirmation; that is a research prompt, not permission to chase.
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded.
Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
22.4/35Growth & earnings
Income — · PAT 22.6%
45% evidence
18.2/25Capital efficiency
ROA 9.8% · ROE 14.8% · GNPA —
68% evidence
5.7/20Valuation
P/BV 4.85× · P/BV÷ROE 0.33
70% evidence
10.0/20Relative strength
RS sector — · RS bench — · 1Y —
0% evidence
01 · compare level, then change
Income Scale & Growth Durability
Berkshire Hathaway Inc. has the highest Income among the 10 Insurance - Diversified companies compared here, at $375,394 million. Sun Life Financial Inc. is next at $34,763 million. Arch Capital Group Ltd. has the highest Income growth at 8.8%, so level and change sit with different companies. 7 of 10 companies report a comparable reading, the latest through Mar 2026.
What the numbers say: Berkshire Hathaway Inc. is the scale leader at $375,394 million, 10.8× the revenue of Sun Life Financial Inc.. Arch Capital Group Ltd.'s growth is 8.8% from a $19,777 million base, with 19 reported observations in the 20-quarter window. Treat the growth leader as an acceleration candidate, not as equally proven scale.
LeaderBerkshire Hathaway Inc. · $375,394 million
Gap10.8× versus #2 · Sun Life Financial Inc.
Persistence4/8 recent comparable periods
Coverage7/10 companies · 164 observations
Investor read: Berkshire Hathaway Inc. is the scale benchmark; Arch Capital Group Ltd. is the acceleration watch. Promote the challenger only if growth persists and converts into margin and returns.
This conclusion weakens if: Berkshire Hathaway Inc.'s growth falls below Arch Capital Group Ltd.'s for two consecutive comparable reports while operating margin also compresses.
For lenders, reported income is used instead of industrial-company sales. Growth is compared year-on-year.
Incomelargest
1Berkshire Hathaway Inc. BRK-B$375.4B
2Sun Life Financial Inc. SLF$34.8B
3American International Group, Inc. AIG$26.6B
4Arch Capital Group Ltd. ACGL$19.8B
5Brookfield Wealth Solutions Ltd. BNT$10.7B
Income growthfastest growers
1Arch Capital Group Ltd. ACGL8.8%
2Sun Life Financial Inc. SLF3.0%
3Berkshire Hathaway Inc. BRK-B1.1%
4American International Group, Inc. AIG-2.3%
5Pelagos Insurance Capital Limited PLGO-4.1%
Income · company comparison
7/10 level · 7/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
Berkshire Hathaway Inc. has the highest Net profit among the 10 Insurance - Diversified companies compared here, at $72,767 million. Sun Life Financial Inc. is next at $3,304 million. Exzeo Group, Inc. has the highest Profit growth at 22.6%, so level and change sit with different companies. 8 of 10 companies report a comparable reading, the latest through Mar 2026.
What the numbers say: Berkshire Hathaway Inc. leads with $72,767 million of TTM profit, 22× the profit of Sun Life Financial Inc.. Exzeo Group, Inc. shows 22.6% growth from a $65 million profit base. Compare the size of the base and persistence before ranking acceleration above profit scale.
LeaderBerkshire Hathaway Inc. · $72,767 million
Gap22× versus #2 · Sun Life Financial Inc.
Persistence2/8 recent comparable periods
Coverage8/10 companies · 169 observations
Investor read: Berkshire Hathaway Inc. sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current profit growth signal.
Net profit is ranked only where the comparison base is economically meaningful. Loss-to-profit flips are shown but do not win the growth table.
Net profitlargest
1Berkshire Hathaway Inc. BRK-B$72.8B
2Sun Life Financial Inc. SLF$3.3B
3American International Group, Inc. AIG$3.2B
4Brookfield Wealth Solutions Ltd. BNT$483M
5Pelagos Insurance Capital Limited PLGO$377M
Profit growthfastest growers
1Exzeo Group, Inc. XZO23%
2American International Group, Inc. AIG22%
3International General Insurance Holdings Ltd. IGIC-1.6%
4Sun Life Financial Inc. SLF-2.0%
5Berkshire Hathaway Inc. BRK-B-11%
Net profit · company comparison
8/10 level · 5/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
No company in this Insurance - Diversified comparison has a funding base figure that passes this section's guard, so the Deposits rank is empty. On Borrowings, Berkshire Hathaway Inc. is highest at $128,886 million, across 5 of 10 companies with a usable reading.
What the numbers say: There is not enough comparable evidence to name a reliable deposits leader.
LeaderNo comparable leader
GapNot enough peers
PersistenceNot enough history
Coverage0/10 companies · 0 observations
Investor read: The current leader sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current borrowings signal.
For banks, debt is operating funding rather than industrial leverage. Deposits and borrowings are therefore shown as funding-base levels; asset quality, funding cost and liquidity determine whether that funding is attractive.
Depositslargest deposit bases
—Not enough comparable data—
Borrowingslargest borrowings
1Berkshire Hathaway Inc. BRK-B$128.9B
2Brookfield Wealth Solutions Ltd. BNT$8.7B
3Exzeo Group, Inc. XZO$7M
4International General Insurance Holdings Ltd. IGIC$2M
5Pelagos Insurance Capital Limited PLGO$0M
Funding base · company comparison
0/10 level · 5/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
Exzeo Group, Inc. has the highest ROA among the 10 Insurance - Diversified companies compared here, at 9.8%. International General Insurance Holdings Ltd. is next at 4%. The same company also holds the highest ROA change, at +7.9 percentage points. 10 of 10 companies report a comparable reading, the latest through Mar 2026.
What the numbers say: Exzeo Group, Inc. leads both roa at 9.8% and roa change at +7.9 percentage points.
LeaderExzeo Group, Inc. · 9.8%
Gap145% versus #2 · International General Insurance Holdings Ltd.
Persistence4/4 recent comparable periods
Coverage10/10 companies · 177 observations
Investor read: Exzeo Group, Inc. sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current roa change signal.
ROA is the cleanest first comparison for lenders because the balance sheet is the operating asset.
ROAhighest
1Exzeo Group, Inc. XZO9.8%
2International General Insurance Holdings Ltd. IGIC4.0%
3Aegon Ltd. AEG · older report2.3%
4Arch Capital Group Ltd. ACGL1.6%
5The Hartford Insurance Group, Inc. HIG1.2%
ROA changefastest improvers
1Exzeo Group, Inc. XZO+7.9 pp
2Aegon Ltd. AEG · older report+1.3 pp
3Pelagos Insurance Capital Limited PLGO+1.2 pp
4American International Group, Inc. AIG+0.4 pp
5Arch Capital Group Ltd. ACGL+0.3 pp
Return on assets · company comparison
10/10 level · 10/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
Aegon Ltd. has the highest ROE among the 10 Insurance - Diversified companies compared here, at 76.9%. International General Insurance Holdings Ltd. is next at 18.5%. The same company also holds the highest ROE change, at +43.9 percentage points. 10 of 10 companies report a comparable reading, the latest through Dec 2025.
What the numbers say: Aegon Ltd. leads both roe at 76.9% and roe change at +43.9 percentage points.
LeaderAegon Ltd. · 76.9%
Gap315.7% versus #2 · International General Insurance Holdings Ltd.
Persistence5/8 recent comparable periods
Coverage10/10 companies · 178 observations
Investor read: Aegon Ltd. sets the level benchmark; use the change leader as an inflection watch only after another comparable report confirms it.
This conclusion weakens if: The next two comparable reports reverse the current roe change signal.
ROE shows the return to shareholders, but should be read with asset quality and leverage.
ROEhighest
1Aegon Ltd. AEG · older report77%
2International General Insurance Holdings Ltd. IGIC19%
3Exzeo Group, Inc. XZO15%
4The Hartford Insurance Group, Inc. HIG7.0%
5Pelagos Insurance Capital Limited PLGO4.6%
ROE changefastest improvers
1Aegon Ltd. AEG · older report+43.9 pp
2Pelagos Insurance Capital Limited PLGO+6.3 pp
3The Hartford Insurance Group, Inc. HIG+1.0 pp
4Berkshire Hathaway Inc. BRK-B+0.7 pp
5American International Group, Inc. AIG+0.4 pp
Return on equity · company comparison
10/10 level · 10/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
No company in this Insurance - Diversified comparison reports gross NPA on a comparable basis, so there is nothing to rank here — 0 of 10 companies have a usable current reading. The section is shown rather than removed so an unavailable metric is not mistaken for one that was quietly left out. Filings were read through Jun 2026.
Lower gross NPA is better. Improvement means the ratio is falling, so ranks are intentionally inverted.
07 · compare level, then change
Valuation Against Growth & Quality
Aegon Ltd. has the lowest P/BV ÷ ROE among the 10 Insurance - Diversified companies compared here, at 0.02×. International General Insurance Holdings Ltd. is next at 0.08×. Pelagos Insurance Capital Limited has the lowest P/BV at 0.72×, so level and change sit with different companies. 9 of 10 companies report a comparable reading, the latest through Dec 2025.
What the numbers say: Aegon Ltd. has the lowest comparable P/BV ÷ ROE at 0.02×, 75% below International General Insurance Holdings Ltd.. Only 9 of 10 companies pass the guard, so no broad “cheapest stock” conclusion is defensible unless the current multiple, own-history position and growth durability agree.
LeaderAegon Ltd. · 0.02×
Gap75% versus #2 · International General Insurance Holdings Ltd.
Persistence0/8 recent comparable periods
Coverage9/10 companies · 141 observations
Investor read: Treat valuation as permission to investigate, never as a standalone reason to buy.
This conclusion weakens if: The next two comparable reports reverse the current p/bv signal.
Banks are compared on P/BV and P/BV÷ROE, not PEG. Lower is better only if asset quality and return durability hold; cheap book value with weakening NPAs is not automatically attractive.
P/BV ÷ ROElowest return-adjusted price
1Aegon Ltd. AEG · older report0.0
2International General Insurance Holdings Ltd. IGIC0.1
3Pelagos Insurance Capital Limited PLGO0.2
4The Hartford Insurance Group, Inc. HIG0.3
5Exzeo Group, Inc. XZO0.3
P/BVlowest P/BV
1Pelagos Insurance Capital Limited PLGO0.7
2Brookfield Wealth Solutions Ltd. BNT0.8
3American International Group, Inc. AIG1.0
4Aegon Ltd. AEG · older report1.3
5Arch Capital Group Ltd. ACGL1.4
Valuation · company comparison
9/10 level · 10/10 change
Solid lines show level; dotted lines show change when “Both” is selected. Missing reports break the line rather than being invented.
All-company data · latest reported quarter
Each figure is the company’s latest single reported quarter. The rankings above use trailing-twelve-month or current-market values, so a company can legitimately show a different number in each.
Pelagos Insurance Capital Limited has the strongest one-year price move in Insurance - Diversified at +74.7%. It also leads on Mansfield relative strength against the S&P 500 at +21.6%. 5 of 9 covered companies are above zero on that measure. Every line covers 314 weekly closes through 2026-07-28.
Every price line is indexed to 100 over the chosen window. Mansfield relative strength compares a price ratio with its own 52-week average; zero separates leadership from lagging.
Price and relative strength
Price is rebased to 100 inside the selected window. Pair ratio rebases each selected company against one chosen denominator.
Before the conclusion · check the blind spots
What can make this comparison misleading?
This Insurance - Diversified comparison names 7 specific ways its own evidence can mislead, all listed below. 1 of the 10 companies reports on an older date than the sector's freshest reporters, so its rank is marked stale. 2 of the 7 ranked sections have fewer than three usable current readings.
Keep these limits visible
A high growth rate can be a low-base artefact. The page keeps level and change separate for that reason.
A high ROE can be manufactured with leverage. Read it beside ROA and asset quality.
The 4-Factor Sector Score ranks research priority, not portfolio action. Management quality, catalysts and risks need equally fresh evidence before capital is deployed.
An “all companies” line chart preserves completeness, but rank changes should be checked against reporting dates before drawing a conclusion.
1 company has an older fundamental reporting date than the sector’s freshest reporters; its rank carries a stale marker.
Banks and lenders are not forced through operating-margin or ROCE comparisons; missing lender-specific fields remain visibly missing.
Thin comparisons: Funding base, Asset quality have fewer than three usable current readings.
09 · the complete set
Which companies are included?
All 10 companies in the canonical Insurance - Diversified membership are listed below, largest market value first — nothing is silently dropped, even where a company reports too little to rank. The charts above default to a selective view; this register is the complete set, with each company's own latest reporting date beside it.
AHEAD means the company is beating the index by 5% or more over three months. LAGGING, FUNDAMENTALS UP means it is 20% or more behind over a year while its trailing twelve-month earnings grew 20% or more. Both rules are fixed and applied the same way in every sector.
This comparison is built from the reported filings of 10 Insurance - Diversified companies, normalized to a common $ scale and a shared quarter axis of up to 20 quarters each. Fundamentals run through Jun 2026 and market data through 2026-07-28. A second data feed fills gaps only after identity and scale reconciliation, and missing observations are never interpolated.
FundamentalsThrough Jun 2026 · up to 20 quarters per company
Market dataThrough 2026-07-28 · weekly price and relative-strength history
Derived metricsGrowth, changes, CAPEX intensity, net debt, guarded PEG and P/BV÷ROE are calculated only when their inputs are comparable.
Score confidenceMissing and stale evidence reduces confidence and pulls the 0–100 research-priority score toward neutral.
These 15 answers restate the Insurance - Diversified comparison above in question form. Every one is computed from the same 10 companies and the same reported filings as the rankings and charts, current through Jun 2026. Price and relative-strength answers run through 2026-07-28. Nothing here is estimated, and none of it is a recommendation.
Which Insurance - Diversified company is the biggest?
Berkshire Hathaway Inc. is the largest, with trailing-twelve-month income of $375,394 million, ahead of Sun Life Financial Inc. at $34,763 million. That covers 7 of 10 companies with comparable reporting through Mar 2026.
Which Insurance - Diversified company is growing fastest?
Arch Capital Group Ltd. has the fastest income growth at 8.8% year on year, across 7 of 10 comparable companies. Fast growth off a small base is not the same as proven scale — check whether the rate holds across several quarters on the chart above before treating it as a trend.
Which Insurance - Diversified company makes the most profit?
Berkshire Hathaway Inc. earns the most, at $72,767 million of trailing-twelve-month net profit, from 8 of 10 comparable companies. Exzeo Group, Inc. has the fastest profit growth at 22.6%, though growth off a small or recovering profit base overstates how much has actually changed.
Which Insurance - Diversified company earns the highest return on capital?
Exzeo Group, Inc. leads on return on assets at 9.8%, across 10 of 10 companies. Read it beside the length of its reported history: a high return that repeats for years is evidence of a durable business, while a single high reading can be a small capital base or one good year.
Which Insurance - Diversified stock is the cheapest?
On price-to-book divided by return on equity — where a LOWER number is cheaper — Aegon Ltd. screens cheapest at 0.02×. Only 9 of 10 companies pass the comparability guard, so this is not a sector-wide "cheapest stock" verdict. Cheap on a multiple is a reason to investigate, never a reason to buy on its own.
Is the Insurance - Diversified sector beating the market?
Insurance - Diversified has underperformed S&P 500 by 2.2% over the last 52 weeks and 2.6% over 13 weeks, measured on an equal-weight index of its current members. Inside the sector, 5 of 9 covered companies are beating the market on their own. Sector strength does not transfer evenly to every stock in it.
Which Insurance - Diversified stock has the strongest price momentum?
Pelagos Insurance Capital Limited has the strongest relative strength against S&P 500. Relative strength answers last, after growth, quality and valuation: price can move well before the fundamentals confirm it, and sometimes without them confirming at all.
Which Insurance - Diversified company scores highest for research priority?
International General Insurance Holdings Ltd. scores 59.6 out of 100 with 70% evidence confidence, from 10.2 points on growth and earnings, 19.8 on capital efficiency, 14.9 on valuation and 14.7 on relative strength. This ranks what deserves work next. It is not a buy recommendation, and management quality, catalysts and risk still need separate research.
How many Insurance - Diversified companies does this comparison cover, and over what period?
It compares 10 listed companies over up to 20 reported quarters of fundamentals and 7 fiscal years of capital allocation, ending Jun 2026, plus weekly price and relative-strength history. Membership is the full sector list — nothing is dropped for having thin data.
What is the total market cap of the Insurance - Diversified sector?
The 10 Insurance - Diversified companies on this page carry $1,303,408 million of combined market value. Berkshire Hathaway Inc. is the largest at $1,104,832 million, about 85% of the sector's total on its own. Market value moves with price, so this reading is dated 2026-07-28.
What is the Insurance - Diversified sector's P/B ratio?
The median price-to-book ratio across the 10 Insurance - Diversified companies on this page is 1.4×, measured on the 10 that report a comparable figure. A sector-level history for this multiple is not held here, so this is a cross-section of today, not a comparison with the sector’s own past. Figures are as of 2026-07-28.
How is the Insurance - Diversified sector performing?
5 of the 9 covered Insurance - Diversified companies are beating S&P 500 on Mansfield relative strength. The sector itself is 2.2% behind S&P 500 over 52 weeks on an equal-weight index of its current members. Readings are as of 2026-07-28.
How many Insurance - Diversified stocks are listed in the US?
This comparison covers 10 listed Insurance - Diversified companies in the US, each above the size floor the site applies. The full ranked list is on this page, with reported fundamentals through Jun 2026. Membership is the full industry list — nothing is dropped for having thin data.
Why are some values on this page blank?
A blank means that company did not report a comparable figure for that period, so nothing is shown. Missing observations are never interpolated, carried forward, or replaced with a similar-looking accounting line, and a company with missing evidence has its research score pulled toward neutral rather than being scored as bad.
Is this investment advice?
No. Every figure here is a deterministic calculation from reported company filings and market data, published for research. It contains no recommendation to buy or sell any security, does not account for your circumstances, and is not a substitute for advice from a licensed adviser.