Top 10 / Top 10 — Financials
Top 10 — Financials
The 9 highest scores among covered Financials companies, rebalanced on the first trading day of each month.
Tracked against the market equal weight · dividends included
SPY is the S&P 500 ETF — the US large-cap market average.
Top 10SPY (dashed)rebalance
−2.7% since 18 Aug 2026, against +1.1% for SPY: 3.8 percentage points behind the market.
Both lines include dividends: each payout is reinvested in the company that paid it, and SPY's payouts are reinvested the same way.
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The 9 members
| # | Company | Why it is here | Score | Pillars | Sector rank | Price | Since entry | In the list since |
|---|---|---|---|---|---|---|---|---|
| 1 | HAMILTON INSURANCE GROUP LTD CLASS (HG) | Valuation 96th (price to book 0.8, price to earnings 5.7).Valuation 96th (price to book 0.8, price to earnings 5.7) and capital return 89th (net share count bought back over the year 4.8); weakest is financial health (84th, debt to equity 0.1).
Pillar percentiles |
PGHVCT | 1 | 35.10 8 Oct 2026 | +0.1% | 1 Sep 2026 | |
| 2 | SLIDE INSURANCE HOLDINGS INC (SLDE) | Growth 93rd (revenue growth year over year 41.5%).Growth 93rd (revenue growth year over year 41.5%) and profitability 92nd (return on equity 39.9%); weakest is capital return (10th, net share count bought back over the year -8.9).
Pillar percentiles |
PGHVCT | 2 | 25.30 8 Oct 2026 | +8.6% | 1 Sep 2026 | |
| 3 | SIRIUSPOINT LTD (SPNT) | Capital return 100th (net share count bought back over the year 28.2).Capital return 100th (net share count bought back over the year 28.2) and valuation 91st (price to earnings 6.2, price to book 1.3); weakest is financial health (68th, debt to equity 0.3).
Pillar percentiles |
PGHVCT | 3 | 25.03 8 Oct 2026 | +2.5% | 1 Sep 2026 | |
| 4 | HCI GROUP INC (HCI) | Financial health 90th (free cash flow margin 48.9%, debt to equity 0.1).Financial health 90th (free cash flow margin 48.9%, debt to equity 0.1) and profitability 85th (return on equity 28.7%); weakest is capital return (41st, net share count bought back over the year -1.5, consecutive years of dividend increases 4 years).
Pillar percentiles |
PGHVCT | 4 | 192.35 8 Oct 2026 | +4.0% | 18 Aug 2026 | |
| 5 | OFG BANCORP (OFG)NEW | Growth 85th (revenue growth year over year 28.2%).Growth 85th (revenue growth year over year 28.2%) and financial health 83rd (debt to equity 0.1); weakest is profitability (62nd, return on equity 14.8%).
Pillar percentiles |
PGHVCT | 5 | 50.92 8 Oct 2026 | +0.5% | 1 Oct 2026 | |
| 6 | White Mountains Insurance Group (WTM)NEW | Valuation 97th (price to earnings 4.6, price to book 0.9).Valuation 97th (price to earnings 4.6, price to book 0.9) and growth 82nd (3-year revenue CAGR 47.8%, revenue growth year over year 15.5%); weakest is trend (51st, a "death cross" — its 50-day average is below its 200-day).
Pillar percentiles |
PGHVCT | 7 | 2059.77 8 Oct 2026 | +2.3% | 1 Oct 2026 | |
| 7 | RenaissanceRe (RNR)NEW | Valuation 93rd (price to earnings 5.5, price to book 1.2).Valuation 93rd (price to earnings 5.5, price to book 1.2) and profitability 79th (return on equity 23.1%); weakest is growth (50th, revenue growth year over year -9.1%, 3-year revenue CAGR 36.4%).
Pillar percentiles |
PGHVCT | 8 | 331.34 8 Oct 2026 | +2.6% | 1 Oct 2026 | |
| 8 | Popular, Inc. (BPOP) | Growth 90th (3-year revenue CAGR 29.8%, revenue growth year over year 34.9%).Growth 90th (3-year revenue CAGR 29.8%, revenue growth year over year 34.9%) and capital return 78th (net share count bought back over the year 5.6, consecutive years of dividend increases 5 years); weakest is profitability (58th, return on equity 13.3%).
Pillar percentiles |
PGHVCT | 9 | 155.79 8 Oct 2026 | −11.3% | 18 Aug 2026 | |
| 9 | VICTORY CAPITAL HOLDINGS CLASS A I (VCTR) | Growth 86th (revenue growth year over year 51.5%, 3-year revenue CAGR 15.2%).Growth 86th (revenue growth year over year 51.5%, 3-year revenue CAGR 15.2%) and trend 77th (trading above its 200-day average); weakest is valuation (46th, price to earnings 15.7, price to book 2.9).
Pillar percentiles |
PGHVCT | 12 | 111.72 8 Oct 2026 | −5.1% | 18 Aug 2026 | |
| 10 | Vacant since 2 Oct 2026 — BANK OF NT BUTTERFIELD & SON LTD (NTB) left the list, and the slot is not refilled until the next rebalance.Left 2 Oct 2026: no longer eligible — it trades below our liquidity floor. | |||||||
1 of the 10 slots is open. Membership changes on a calendar, so a slot opened by a departure is filled at the next rebalance rather than on the day it opens.
Changes at the 1 Oct 2026 rebalance
Entered
BANK OF NT BUTTERFIELD & SON LTD (NTB) — Entered 1 Oct 2026: score 75.1, rank 5 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version).
OFG BANCORP (OFG) — Entered 1 Oct 2026: score 76.0, rank 4 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version).
RenaissanceRe (RNR) — Entered 1 Oct 2026: score 73.7, rank 7 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version).
White Mountains Insurance Group (WTM) — Entered 1 Oct 2026: score 74.6, rank 6 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version).
Left
WESBANCO INC (WSBC) — Left 1 Oct 2026: score 65.9, rank 37 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version) (a member leaves above rank 15).
4 of 10 changed at this rebalance. Average 6.0 of 10 per rebalance.
Since then
NTB — Left 2 Oct 2026: no longer eligible — it trades below our liquidity floor. (2 Oct 2026)
How the score is built
The Top 10 score is a published weighted sum of percentile ranks, rebalanced on the first trading day of each month. A list is a published formula and its output, not a recommendation. Method version 4. Full method → What is the top 10 score? →
Questions
How is the score built?
The Top 10 score is a published weighted sum of percentile ranks, rebalanced on the first trading day of each month. A list is a published formula and its output, not a recommendation. Method version 4. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100.
How often does this list change?
Members are rebalanced on the first trading day of each month. Scores are recomputed nightly, but membership only changes at a scheduled rebalance, or immediately if a company stops being eligible. A member is held while it stays inside the top 15, so a small move in rank does not force a change.
What score does a company need to be in this list?
The cutoff today is 71.9 across 220 ranked Financials companies. #11 (MCY) is 0.7 below it. A member leaves only if it falls past #15 — 69.3 today.
Why did WSBC leave the list?
Left 1 Oct 2026: score 65.9, rank 37 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version) (a member leaves above rank 15).
Informational only — NOT financial advice.