Versicherung Firma Analyse

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1. Underwriting Profit Margin: This metric measures the profitability of an insurance company’s core business of underwriting policies. A higher underwriting profit margin indicates that the company is generating more revenue than it is paying out in claims and expenses.

2. Combined Ratio: The combined ratio is a measure of an insurance company’s overall profitability, including underwriting and investment income. A lower combined ratio is better, as it indicates that the company is making a profit on its underwriting activities.

3. Return on Equity (ROE): ROE measures the return that a company generates on the equity invested in the business. A higher ROE indicates that the company is using its capital efficiently to generate profits.

4. Loss Ratio: The loss ratio is the ratio of claims paid out by an insurance company to the premiums earned. A lower loss ratio is better, as it indicates that the company is managing its risks effectively and generating a profit.

5. Expense Ratio: The expense ratio is the ratio of an insurance company’s expenses to its premiums earned. A lower expense ratio is better, as it indicates that the company is operating efficiently and keeping its costs under control.

6. Solvency Ratio: The solvency ratio measures an insurance company’s ability to meet its long-term financial obligations. A higher solvency ratio indicates that the company has sufficient capital to absorb losses and is financially stable.

By analyzing these metrics, an investor can gain a better understanding of an insurance company’s financial health and make an informed decision on whether to invest in the company’s stock.