Looking up the ticker with the regulator···
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Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
Marsh & McLennan Companies, Inc.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Weak signals across every dimension
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1 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Stable quality
1 signal unavailable
Profitability
3/4
Debt & liquidity
2/3
Efficiency
1/2
ROE at 28.8% runs +93% above the sector median 15.0%, which looks like a strength until the price tag enters the picture: P/B at 5.4× sits +89% above the sector median 2.9×, so the market has already priced that return on equity in full. FCF yield of 5.7% edges +26% past the sector median 4.6%, and FCF grew 19.6% year over year — +27% ahead of the sector median 15.4% — suggesting cash generation is holding up. Operating margin at 23.1% trails the sector median 49.9% by -54%, and the balance-sheet health reading sits below the sector median, reflected in a composite of 42/100. Consensus models a recovery path, though the realized EPS track record from SEC filings is mid-range and the beat-rate sample is too thin to read with confidence; the forward composite of 43/100 offers little additional conviction either way.
Last quarter's EPS against consensus, plus the estimated date of the next report.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
MMC's F-Score profitability sub-score sits at 3/4. Pull the most recent quarterly filing and confirm whether return on assets improved year over year and whether operating cash flow remains positive — two of the four profitability flags the score tracks.
MMC carries a P/B of roughly 89% above the sector median at 2.87×, so the premium needs justification. In the annual report, focus on how management explains the operating margin at 49.9% relative to peers and what risks — litigation, reinsurance cycle, acquisition integration — could pressure that figure.
Pick two or three companies from the alphabetical table in section 06 and line up one metric — FCF yield, ROE, or P/B — across your chosen names. No entry in that table is ranked, so the exercise is about context, not a verdict.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: +28%+4%+25%
Over 4 years: 2.412.103.142.78
Over 4 years: +10%+8%+10%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | Goldman Sachs | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MMC | Marsh & McLennan Companies, Inc. | 6/9 | 29% | +10% | 23% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab | 5/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 16 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →