By the StockSemáforo model · Updated July 18, 2026
An insurer makes money two ways: underwriting policies with discipline (collecting more in premiums than it pays in claims) and investing customers' money in the meantime — the so-called «float». It's a business of restraint: growing by accepting bad risks inflates revenue today and blows up three years later. A warning about the numbers: insurance accounting —especially life— is noisy, with items that distort a single year, so look across several years and don't trust one score alone.
This ranking sorts by fundamental quality, not by whether a stock is cheap or expensive: an excellent company can be expensive. To find the fair price, enter its quote in the analyzer. The scores recompute on their own with each new SEC filing.
91
quality /100
Arch Capital is a Bermuda insurer and reinsurer with a sharpshooter's reputation: it enters and exits each business line by the price of risk, married to none.
See full analysis →ALL
87
quality /100
Allstate is one of America's largest auto and home insurers — the 'good hands' of its slogan.
See full analysis →87
quality /100
Cincinnati Financial is the property insurer of quiet America: commercial and home policies sold only through local independent agents, with whom it cultivates decades-long relationships.
See full analysis →86
quality /100
The Hartford is a classic American insurer with two centuries of history: property-casualty coverage for small businesses — its most profitable specialty — plus employee benefits and funds.
See full analysis →PGR
82
quality /100
Progressive is the most profitable U.S.
See full analysis →TRV
82
quality /100
Travelers is one of America's big property-casualty insurers: it covers businesses, homes and cars against fire, accidents and catastrophes.
See full analysis →CB
81
quality /100
Chubb is one of the world's largest property and casualty insurers (home, business, accident), with a global footprint and a focus on high-end clients.
See full analysis →77
quality /100
Everest Group is one of the world's big reinsurers, from Bermuda: it takes on the risks insurers don't want to carry alone — hurricanes, earthquakes, giant corporate policies — charging premiums that rise when the world gets scary.
See full analysis →AIZ
73
quality /100
Assurant is the insurer of connected and rented things: it protects phones for carriers, appliances for retailers and mortgaged homes for banks when the owner stops insuring them.
See full analysis →To understand it better
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Data: official SEC filings (EDGAR) · Recomputed on July 18, 2026
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