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Articles by Holger Bartel
Austria’s Insurance Elite 2025: Ranking the Financial Stronghold
In 2024, Austrian insurance companies wrote approximately €21.4 billion in gross premiums, against about €18.7 billion in claims and benefits. The sector employs around 27,500 people nationwide. This mature market shows steady growth, with strong demand across life, health, and property/casualty lines. The latest financial strength ratings suggest that being big is not the only recipe for stability — some regional insurers are outperforming the country’s largest carriers.
2025 RealRate Rankings: U.S. Food Industry Financial Powerhouses
J&J Snack Foods, Lifeway Foods, and Tyson Foods emerge as the U.S. food sector’s healthiest performers. Smaller contenders leapfrog industry giants in RealRate’s latest financial strength rankings. The U.S. food industry has a new pecking order when it comes to financial health.
U.S. Software Industry 2024: The Financial Strength Leaders
BTCS, Destiny Media Technologies, and GRID Dynamics Surge to the Top in RealRate’s Rankings RealRate’s AI-powered ratings for 2024 crowned three standout companies in 2024: RealRate’s 2024 Economic Capital Ratio (ECR) rankings spotlight the most financially robust firms. ECR measures a company’s economic value relative to its assets, enabling comparability across companies of all sizes. BTCS Inc., a blockchain technology-focused company, leads the pack with an ECR of 713%.
The Strongest companies in the U.S. Hotel industry: Ranked by RealRate’s Amazing AI
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for U.S. Hotels are in and are ranked, as always, by financial strength! The Top 10 companies in the Hotel industry are as follows: Source: https://realrate.ai/ranking-area/2024-us-hotels/ The top 3 Hotelier companies in order are Target Hospitality Corp., Boyd Gaming Corp., and Monarch Casino Resort Inc.. They had Economic Capital Ratio figures of 496%, 234%, and 210%, respectively.
The best performing U.S. recreation companies for 2024: Ranked by RealRate’s expert AI
Dr. Holger Bartel · Follow 3 min read · -- The results of RealRate’s 2024 ranking for the U.S. Recreation Industry are ranked by financial strength. The Top 10 Companies from the U.S. recreation industry are as follows: Source : https://realrate.ai/ranking-area/2024-us-recreation/ The first 8 companies, as shown in the figure above, have been rated as top-rated companies in the U.S. recreation industry for 2024.
The Most Brilliant U.S. Programming Companies: Ranked by RealRate’s Brilliant AI
Dr. Holger Bartel · Follow 2 min read · -- The results for RealRate’s 2024 ranking for the U.S. Programming industry are in and are ranked, as always, by financial strength! The Top 10 Programming companies are as follows: Source: https://realrate.ai/2024-us-programming/ The top 3 Programming companies in order are Aspen Technology Inc., Match Group Inc., and IAC Inc.. They had Economic Capital Ratio figures of 453%, 402%, and 401%, respectively.
Best U.S. Health Services Ranked by RealRate’s Cutting-Edge AI
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 U.S. Health Services Industry rankings are here, showcasing the best companies based on their financial strength! The Top 10 U.S. Health Services are as follows: Source: https://realrate.ai/ranking-area/2024-us-health-services/ The top 3 U.S. Health Services in order are Pacific Health Care Organization Inc., Veracyte, Inc., and Surgery Partners, Inc.
The Most Secure U.S. Data Processing Companies: Ranked by RealRate’s Brilliant AI
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the U.S. Data Processing industry are in and are ranked, as ever, by financial strength! Source: https://openai.com/dall-e-3/ The Top 10 Data Processing companies are as follows: Source: https://realrate.ai/ranking-area/2024-us-data-processing/ The top 3 Data Processing companies in order are Repositrak Inc., Mara Holdings Inc., and Nerdwallet Inc..
RealRate Ranking of the Strongest German Life Insurers
Dr. Holger Bartel · Follow 3 min read · -- Source: https://openai.com/dall-e-3/ The top 10 German life insurance companies are: Source: https://realrate.ai/rankings/ Heidelberger Lebensversicherung takes first place in the RealRate ranking of the strongest German life insurers for the first time. Its economic equity ratio is 14.7%. Bayerische Beamten Leben follows in second place with an economic equity ratio of 13.1%, which has improved significantly in recent years.
RealRate : Ranking of the Strongest German Health Insurers
Dr. Holger Bartel · Follow 4 min read · -- Source: https://realrate.ai/rankings/ For the second time in a row, Mecklenburgische Kranken is ranked first in the rankings. In previous years, it was ranked fourth and second, so a steady improvement can be seen. With an economic equity ratio (economic equity in relation to total assets) of 30.57%, it is well ahead of the runner-up, R+V Kranken (economic equity ratio 15.05%).
The Best Brokerage Companies: Ranked by RealRate’s Amazing Artificial Intelligence
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the U.S. Brokerage industry are in and are ranked, as ever, by financial strength! Source: https://openai.com/dall-e-3/ The Top 10 Brokerage companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Brokerage companies in order are Abrdn Gold ETF Trust, Spdr Gold Trust, and Goldman Sachs Physical Gold ETF. They had Economic Capital Ratio figures of 248%, 245%, and 236%, respectively.
The Most Agile German Disability Insurance Companies: Ranked by RealRate’s Wonderful Artificial Intelligence
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the German Disability Insurance industry are in and are ranked by technical future interest rate! Source: https://openai.com/dall-e-3/ The Top 10 Disability Insurance companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Disability Insurance companies in order are Deutsche Ärzteversicherung, Continentale Leben, and Lebensversicherung von 1871.
The Best Performing German Life Insurance Companies: Ranked by RealRate’s Superb AI
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the German Life Insurance industry are in and are ranked, as ever, by financial strength! Source: https://openai.com/dall-e-3/ The Top 10 Life Insurance companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Life Insurance companies in order are Heidelberger Leben, HUK Coburg Leben, and Frankfurter Leben. They had Economic Capital Ratio figures of 15%, 14%, and 13%, respectively.
The Strongest German Health Insurance Companies: Ranked by RealRate’s Brilliant Artificial Intelligence
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the German Health Insurance industry are in and are ranked, as ever, by financial strength! Source: https://openai.com/dall-e-3/ The Top 10 Health Insurance companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Health Insurance companies in order are Mecklenburgische Kranken, R V Kranken, and Envivas Krankenversicherung.
The Strongest U.S. Petrol Companies: Ranked by RealRate’s Superb AI
Dr. Holger Bartel · Follow 3 min read · -- The results for RealRate’s 2024 ranking for the U.S. Petroleum industry are in and are ranked, as ever, by financial strength! Source: https://openai.com/dall-e-3/ The Top 10 Petroleum companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Petroleum companies in order are Dorchester Minerals, L.P., Black Stone Minerals, L.P., and Mexco Energy Corp. They had Economic Capital Ratio figures of 326%, 269%, and 248%, respectively.
The Highest Climbing U.S. Air Companies: Ranked by RealRate’s Brilliant Artificial Intelligence
Dr. Holger Bartel · Follow 2 min read · -- The results for RealRate’s 2024 ranking for the U.S. Air industry are in and are ranked, as always, by financial strength! Source: https://openai.com/dall-e-3/ The Top 9 Air companies are as follows: Source: https://realrate.ai/rankings/ The top 3 Air companies in order are Saker Aviation Services Inc., Southwest Airlines Co., and Jetblue Airways Corp. They had Economic Capital Ratio figures of 163%, 53%, and 49%, respectively.
Ranked by RealRate's Superb AI
The results for RealRate's 2024 ranking for U.S. Food are in and are ranked, as always, by financial strength! The Top 10 Food companies are as follows: The top 3 Food companies in order are Lancaster Colony Corporation, MediFast Inc., and J&J Snack Foods Corp. They had Economic Capital Ratio figures of 237%, 230%, and 229%, respectively. The companies' Economic Capital Ratio scores increased by 167, 362, and 109 percentage points, respectively.
Ranked by RealRate's Incredible Artificial Intelligence
The results for RealRate's 2024 ranking for U.S. Computers are right here and are ranked, as ever, by financial strength! The Top 10 Computer companies are as follows: The top 3 Computer companies in order are Immersion Corp., Wetouch Technology Inc., and Arista Networks Inc.. They had Economic Capital Ratio figures of 606%, 569%, and 535%, respectively. The companies' Economic Capital Ratio scores increased by 165, 97, and 203 percentage points, respectively.
The Strongest U.S. Finance Services Companies: Ranked by RealRate’s Incredible Artificial Intelligence
We are extremely excited to announce that RealRate’s first ranking of 2024 is now live! The results for RealRate’s 2024 ranking for U.S. Finance Services are detailed here and are ranked by financial strength! The Top 10 Finance Services companies are as follows: The top 5 Finance Services companies in order are CNL Strategic Capital LLC, Trilinc Global Impact Fund LLC, U.S. Global Investors Inc., Netcapital Inc., and Marygold Companies Inc.
The Healthiest U.S. Pharma Companies: Ranked by RealRate’s Impressive Artificial Intelligence
The results for RealRate’s 2023 ranking for U.S. Pharma are now available and ranked by financial strength! The Top 10 Pharma companies are as follows: The top 5 Pharma companies in order are Theravance Biopharma Inc., Chimerix Inc., Ocuphire Pharma Inc., Kiniksa Pharmaceuticals Ltd., and Zomedica Corp. They had Economic Capital Ratio figures of 587%, 407%, 377%, 331%, and 303%, respectively.
The Best U.S.
The results for RealRate’s 2023 ranking for U.S. Non-Life Insurance are now in and ranked by financial strength! The Top 10 Non-Life Insurance companies are as follows: The top 3 Non-Life Insurance companies in order are Essent Group Ltd., MGIC Investment Corp., and FG Financial Group Inc. They had Economic Capital Ratio figures of 142%, 115%, and 101%, respectively. All 3 companies did well due to a strong Net Income variable. This increased the companies’ Economic Capital Ratio scores by 114%.
The Strongest U.S. Spacs: Ranked by RealRate’s Amazing Artificial Intelligence
The results for RealRate’s 2023 ranking for U.S. Spacs are now in and ranked by financial strength! The Top 10 Spacs are as follows: The top 3 Spacs in order are Twin Ridge Capital Acquisition Corp., Arvana Inc., and Mentor Capital Inc. They had Economic Capital Ratio figures of 961%, 412%, and 200%, respectively. Twin Ridge Capital Acquisition and Mentor Capital did well due to a strong Current Liabilities variable.
The Best Performing U.S. Hotels: Ranked by RealRate’s Superb Artificial Intelligence
The results for RealRate’s 2023 ranking for U.S. Hotels have been checked in and ranked by financial strength! The Top 10 Hotels are as follows: The top 3 Hotels in order are Target Hospitality Corp., Boyd Gaming Corp., and Monarch Casino & Resort Inc. They had Economic Capital Ratio figures of 263%, 230%, and 214%, respectively. They did well due to the variables of Net Income, Other Liabilities, and Other Revenues, respectively.
The Best U.S. Programming Companies: Ranked by RealRate’s Wonderful AI
The results for RealRate’s 2023 ranking for U.S. Programming are right here, ranked by financial strength! The Top 10 Programming companies are as follows: The top 3 Programming companies in order are Innovative Solutions & Support, Match Group, and MicroAlgo Inc. They had Economic Capital Ratio figures of 445%, 412%, and 405%, respectively.
The Top U.S. Data Processing Companies: Ranked by RealRate’s Superlative Artificial Intelligence
Here are the results for RealRate’s 2023 ranking for U.S. Data Processing, ranked by financial strength! The Top 10 Data Processing companies are as follows: The top 3 Data Processing companies in order are Park City Group Inc., CarGurus Inc., and Nerdwallet Inc.. They had Economic Capital Ratio figures of 141%, 132%, and 105%, respectively. Park City Group did well due to a strong Net Income score, and both CarGurus and Nerdwallet did well due to their superior Other Revenues figures.
Ranked by RealRate's Brilliant Artificial...
Here is RealRate's 2023 ranking for German Life Hidden Reserves, sorted by financial strength. The Top 10 Life Hidden Reserve companies are as follows: The top 3 Life Hidden Reserve companies in order are Bayerische Beamten Leben, Lebensversicherung von 1871, and INTER Leben. They had Economic Capital Ratio figures of 52%, 37%, and 35% respectively. Bayerische Beamten Leben , Lebensversicherung von 1871, and INTER Leben all did well due to their strong Hidden Asset Reserves scores.
Ranked by RealRate's Incredible AI
The results, sorted by technical future interest rate, can be seen here. The Top 10 Disability Insurance companies are as follows: The top 3 Disability Insurance companies in order are Deutsche Ärzteversicherung, WWK Leben, and HELVETIA Leben. They had Economic Capital Ratio figures of 4.18%, 3.84%, and 3.78% respectively.
Ranked by RealRate's Wonderful Artificial Intelligence
The results are in for RealRate's 2023 ranking for German Life Insurance. They are ranked by financial strength and are right here! The Top 10 Life Insurance companies are as follows: The top 3 Life Insurance companies in order are HUK-COBURG Leben, Bayerische Beamten Leben, and HELVETIA Leben. They had Economic Capital Ratio figures of 13%, 12%, and 11%, respectively. All 3 did well due to Hidden Liability Reserves, Hidden Asset Reserves, and Future Shareholder Profits, respectively.
Ranked by RealRate's Amazing AI
The results are in for RealRate's 2023 ranking for German Private Health Insurance. The results, which are ranked by financial strength, are right here! The Top 10 Health Insurance companies are as follows: The top 3 Health Insurance companies in order are Mecklenburgische Kranken, R+V Kranken and ENVIVAS Kranken. They had Economic Capital Ratio figures of 51%, 25%, and 22%, respectively. All 3 did well due to strong passive valuation reserves.
Ranked by RealRate's Innovative AI
The results are in for RealRate's 2023 ranking for U.S. Health Services. The results, which are ranked by financial strength, are right here! The Top 10 Health Service companies are as follows: The top 3 Health Service companies in order are Pacific Health Care Organization Inc, SunLink Health Systems Inc, and Fulgent Genetics Inc.. They had Economic Capital Ratio figures of 309%, 307.60%, and 307.55%, respectively.
Ranked by RealRate's Outstanding Artificial Intelligence
Strap yourselves in for RealRate's 2023 ranking for U.S. Recreation, which is now out. The results, which are sorted by financial strength, are right here! The Top 10 Recreation companies are as follows: The top 3 recreation companies in order are Cedar Fair L P, Table Trac Inc, and Walt Disney Co. They had Economic Capital Ratio figures of 415%, 288%, and 221%, respectively. All 3 recreation companies did well due to their superior Net Income scores.
Ranked by RealRate's Incredible Artificial Intelligence
RealRate's 2023 ranking for U.S. State Banks is now out. The results, which are sorted by financial strength, are right here! The Top 10 State Banks are as follows: The top 3 banks in order are BM Technologies Inc., Prosperity Bancshares Inc, and Tectonic Financial Inc. They had Economic Capital Ratio figures of 51%, 11.27%, and 11.21%, respectively. The 3 banks did well due to their superior Revenues, Other Liabilities, and Other Net Income scores, respectively.
Ranked by RealRate's Artificial Intelligence
RealRate's 2023 ranking for the U.S. Consulting industry is hot off the press. The results, which are sorted by financial strength, are right here! The Top 10 Consulting Companies are as follows: The top 3 companies in order are Pharma-Bio Serv Inc., Mastech Digital Inc., and RMR Group Inc. They had Economic Capital Ratio figures of 152%, 151%, and 132, respectively. Pharma-Bio Serv Inc. and Mastech Digital Inc. had superior Other Revenues scores, whilst RMR Group Inc.
Ranked by RealRate's Incredible AI
RealRate's 2023 ranking for the U.S. Motor industry has just rolled off the production line. The results, which are sorted by financial strength, are right here! The Top 10 Motor Companies are as follows: The top 3 companies in order are Leatt Corp, Gentex Corp, and Fox Factory Holding Corp. They had Economic Capital Ratio figures of 459%, 458%, and 341%, respectively. All 3 companies did well due to their strong Net Income performance.
Ranked by RealRate's Superb Artificial Intelligence
RealRate's 2023 ranking for the U.S. Brokerage industry is now out! The results, which are sorted by financial strength, are below! The Top 10 Brokers are as follows: The top 3 companies in order are United States 12 Month Oil Fund LP, United States Oil Fund LP, and United States Brent Oil Fund LP. They had Economic Capital Ratio figures of 589%, 584%, and 535% respectively.
Ranked by RealRate's Wonderful AI
RealRate's 2023 ranking for the U.S. Semiconductor industry has just been released. The results, which are sorted by financial strength, are right here! The Top 10 Semiconductor companies are as follows: The top 3 companies in order are Sunhydrogen, Power Integrations, and Navitas Semiconductor s. They had Economic Capital Ratio figures of 1090%, 580%, and 567% respectively.
Ranked by RealRate's Groundbreaking Artificial Intelligence
RealRate's 2023 ranking for the U.S. Petroleum industry has just burst forth from the earth. The results, which are sorted by financial strength, are below. The Top 10 Petroleum companies are as follows: The top 3 companies in order are Dorchester Minerals, Black Stone Minerals, and Abraxas Petroleum. They had Economic Capital Ratio figures of 355%, 273%, and 263% and did well due to Net Income, Other Revenues, and Liabilities scores; both respectively.
Ranked by RealRate's Groundbreaking Artificial Intelligence
RealRate's 2023 ranking for the U.S. Air industry is now out! The results, which are sorted by financial strength, are right here. The Top 5 Air companies are as follows: The top 3 companies in order are Saker Aviation, FedEx Corp, and Harbor Diversified. Saker outperformed the rest due to a strong Operating Expenses figure. FedEx and Harbor Diversified did well because of a superior Other Expenses figure. Saker is certainly flying high after finishing in the top spot 2 years in a row.
Rated by RealRate's Incredible AI
RealRate's 2023 ranking for U.S. Software is now out! The results, which are sorted by financial strength, can be seen below. The Top 10 Software companies are as follows: The top 3 companies in order are Zedge, Destiny Media Technologies, and Duck Creek Technologies. Zedge did well due to its strong Net Income performance. Destiny Media Technologies and Duck Creek Technologies did well due to their superior Liabilities scores. Congratulations to Zedge, who consolidated its 1st position in 2022.
Rated by RealRate's Formidable Artificial Intelligence
RealRate's 2023 ranking for U.S. Construction is now out! The results, which are sorted by financial strength, can be seen below. The Top 10 Construction companies are as follows: The top 3 companies in order are NVR, Century Communities, and M.D.C. Holdings. All 3 companies had very strong Net Income scores. NVR consolidated their 1st place from last year with another top spot this time around. They were 2nd in 2021, too.
Rated by RealRate's Formidable AI
RealRate's 2023 ranking for U.S. Food has just been harvested! The results, which are sorted by financial strength, can be seen below. The Top 10 Food companies are as follows: The top 3 companies in order are Tyson Foods, Lancaster Colony, and Bridgford Foods. They had Economic Capital Ratio figures of 244%, 239%, and 238% respectively. All 3 did well due to their strong Liabilities score. Tyson Foods moved up from 5th last year to take the top spot.
Rated by RealRate's Incredible Artificial Intelligence
RealRate's 2023 ranking for U.S. Life Insurance has just been released! The results, which are sorted by financial strength, can be seen below. The Top 10 Life Insurance companies are as follows: The top 3 companies in order are UTG Inc, Primerica Inc., and Texas Republic Capital Corp. They have economic Capital Ratio figures of 24.77%, 6.27%, and 5.07% respectively.
Intuit and the Future of AI
Intuit knows a thing or two about AI. Whilst not being at the forefront of the generative AI explosion in the last year, the topic of AI is really at the core of everything they do now. Intuit Inc. is an American business software company that specializes in financial software. The company has its headquarters in Mountain View, California, and the CEO is Sasan Goodarzi. They have current revenue of over $12 billion. A hefty sum to say the least.
RealRate's First Live Event!
🎉 We're happy to invite you to our premier live presentation on LinkedIn! RealRate, the first AI rating agency, will be unveiling the most promising financial service providers in the US. 🚀 💡 Meet Dr. Holger Bartel, our dynamic CEO, who will guide you through the fascinating financial landscape of 49 listed US financial services companies. He will demonstrate how our innovative AI technology deciphers their financial strengths, offering unprecedented insights into the industry. 👨🔬📈.
Rated by RealRate's Astounding Artificial Intelligence
RealRate has been busy this month already and is proud to present its ranking of the strongest Computer companies in the United States for 2023, using its truly remarkable AI. The results are sorted by financial strength and can be seen below. The Top 10 Computer companies are as follows: The top 3 companies in order are Interlink Electronics, Wetouch Technology, and Immersion Corp. They have Economic Capital Ratio figures of 686%, 646%, and 645% respectively.
Rated by RealRate's Astounding Artificial Intelligence
We have been very productive at RealRate Headquarters and our incredible AI has computed the ranking for the best Real Estate companies in the United States for 2023. The results, which are sorted by financial strength, are below. The Top 10 Real Estate companies are as follows: The top 3 companies in order are DiVall Insured Income Properties 2, AEI Income & Growth Fund 26 LLC and AEI Income & Growth Fund XXI. They have Economic Capital Ratio figures of 1,503%, 1,406%, and 488% respectively.
Rated by RealRate's Groundbreaking Artificial Intelligence
RealRate is thrilled to present the best Advertising companies in the United States for 2023, using its truly incredible AI. The results are sorted by financial strength and can be seen below. The Top 10 Advertising companies are as follows: The top 3 companies in order are Insignia Systems, Starco Brands and Kinetic. They have Economic Capital Ratio figures of 721%, 393% and 360% respectively.
A warning from the godfather of AI
After the 'godfather of AI' Dr Geoffrey Hinton quit Google, he issued a stark warning about the dangers of radical developments in the field. https://www.bbc.com/news/world-us-canada-65452940 He says that soon AI chatbots (such as Microsoft's immensely powerful Chat GTP chatbot that has hit the headlines so much of late), could in the future become more intelligent than humans. Indeed, Dr Hinton's own groundbreaking research on neural networks and deep learning laid the foundations for ChatGPT.
The Lightning Speed of AI
The speed at which AI is changing our lives is incredible, with technological changes being established ever faster. Spotify took 150 days to reach 1 million users. Instagram halved this. And now ChatGPT has broken all records by taking just 5 days to reach that mark. At RealRate, we closely watch how Large Language Models are applied to annual financial reports.
Financial strength ratings of German insurers using artificial intelligence
Financial crisis 2008 In 2008, the world was overwhelmed by an international financial crisis, triggered by the collapse of the US investment bank Lehman Brothers. This crisis had many different names: “financial crisis”, “mortgage crisis”, “debt crisis”, “subprime crisis” and so on.
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