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Analyst
Jimmy Bhullar
Period: Reporting periods mapped to calendar 2024 Q4 – 2025 Q4 (5 quarters).
- Questions
- 78on tracked calls
- Challenge rate
- 28%22 of 78 questions
- Companies
- 10questioned at least once
- Reporting periods
- 5with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 78 of 78 questions from 10 companies
GLGlobe Life13 questions · 5 reporting periods · 4 of 13 challenging
Calendar 2025 Q4
First was just on the first year lapses. They seem to pick up across various channels, especially in direct response. So hoping that you could give us some color on what's going on there.
Show response
DTC lapses elevated due to sales mix shift toward internet channel which has inherently higher lapses. Liberty National also higher than expected. Viewed as fluctuations, not trend. Higher sales growth still net positive for underwriting margins even with somewhat higher lapses.
should we assume that you'd have to sort of go through around the price increases to get the margins on the business that you've signed to more of a normal level
Show response
Claim trends stabilized in H2 2025 and are running below assumptions embedded in rate filings. Rate increases adequate to restore 10-12% margins by 2027. Q2-Q4 2026 targeting 10-11% margin. MA disruption remains tailwind but hard to predict given government dynamics. CMS prior authorization rules in 6 states may also help claims.
Calendar 2025 Q3
Should we assume that, that continues into 2026 as you implement price hikes? Or -- and then similarly, with a lot of companies indicating that they're going to raise prices on Med Advantage plans
Show response
Claim cost trends flattening, favorable sign. Rate increases filing for 2026 to restore target profitability, effective primarily Q2-Q4 2026. Medicare Advantage disruption remains a tailwind for Med Sup sales.
If we look at what that's implying for EPS in 4Q, it seems like it's $3.25 to $3.45. So that's a lower number than you've had in the most recent quarter even at the high end
Show response
Q3 benefited from timing (R&D tax credit), exceptionally favorable mortality ($18M life remeasurement gain ex-assumption update), and favorable health experience. Q4 typically sees seasonal claims uptick (flu season, year-end doctor visits). If favorable trends continue, would be at high end of range.
Calendar 2025 Q2
to what extent are you able to quantify how much of the $.70 is just a onetime 3Q impact versus maybe assuming normal earnings outside of the annual actuarial review
Show response
Ongoing benefits: favorable mortality (Q4 life margins ~41%), lower admin expenses (7.3% of premium), additional buyback accretion. Plus health segment improvement.
is that channel close to bottoming? Or was this just a blip given that the comps are easy
Show response
Not a blip - underwriting automation improves conversion rates, enables reinstating previously unprofitable marketing campaigns. Higher conversion benefits both DTC and agency channels.
if you do get a $200 million benefit on annual free cash flow, assuming you're using it for buybacks that sort of implies a 2 percentage point uptick in whatever your growth would have been otherwi...
Show response
Confirmed $200M Bermuda FCF would translate to ~2pp incremental EPS growth via buybacks with no material offsets.
Calendar 2025 Q1
the third quarter is obviously very tough comps. So just wondering what gives you the confidence that you can achieve maybe the middle end of the range?
Show response
Confidence comes from 3 consecutive quarters of favorable mortality supporting $60-100M Q3 assumption update, strong April agent/sales trends, and DTC improvements in H2.
it's sort of a constant catch-up where usage continues and claims continue to go up, and you're having to catch up to that
Show response
May take 1-2 years to fully catch up. Medicare supplement is only 3-4% of total underwriting margin, so overall impact is contained.
the non-deferrable commissions and policy acquisition spend, for the Life division. It's been running up over the past in 1Q
Show response
IT depreciation, software-as-service costs, and data/analytics being allocated to acquisition side as systems come online. Not economic cost inflation.
Calendar 2024 Q4
how does one get finality to this? Because typically, those agencies don't tend to put out releases when they're done investigating
Show response
Management committed to communicating when inquiries conclude but offered no timeline or specifics on progress.
one of the negatives was just a little bit of an increase in first-year lapses in the direct channel and also in Liberty
Show response
Management explained DTC lapse increase is mix-related (more Internet vs mail channel) and that AIL/Liberty rates have stabilized at pre-pandemic levels.
there was some optimism last year that with the reimbursement rate changes on Med Advantage Plan, maybe there would be more volumes flowing toward med subs
Show response
Management noted it's too early to conclude how the market will shake out under new administration, but sees potential benefit from provider dissatisfaction with MA reimbursements.
MRSHMarsh & McLennan Companies, Inc.10 questions · 5 reporting periods · 2 of 10 challenging
Calendar 2025 Q4
you did a lot more than you've done in a on a quarterly basis, I think, the last several years
Show response
McGivney noted 20 acquisitions completed in 2025 but only $850M deployed due to smaller deal sizes. No change in capital management strategy. Pipeline very active for 2026. Three Hawaii acquisitions closed in December for MMA. Expect to deploy $5B capital in 2026.
You've seen a slowdown in growth over the last three, four quarters from, I think, 5% in 1Q to 3% in the fourth quarter
Show response
Doyle emphasized 15% GAAP growth at Marsh Risk. Adding talent, using AI to boost productivity. MMA executing well as a huge part of the business. Optimistic about 2026 prospects.
Calendar 2025 Q3
the business continues to perform well. So maybe talk a little bit about the pipeline that you're seeing there
Show response
Studer noted favorable timing on success fees, expects moderating Q4. Strong growth in consumer/telecoms/tech, insurance/actuarial, and transportation practices. Pipeline solid for rest of year and into 2026.
is the environment for your business improving a little bit given the uptick in capital markets, M&A, IPOs
Show response
Doyle confirmed M&A uptick helped growth. Middle market businesses performing better than large account globally. MMA had a good quarter and expects continued momentum.
Calendar 2025 Q2
it seems like IPOs are picking up, M&A is picking up as well. Are you seeing that in your business as well
Show response
Doyle said too early to know if meaningful uptick in M&A, IPOs, or construction. Reiterated mid-single-digit guidance. U.S. businesses still playing defense given uncertainty level.
Is that more a function of just the fact that it's a low base? Or is the momentum in your business better than what pricing would suggest
Show response
Klisura detailed strong new business, record cat bond activity (14 issuances, 23 YTD), new capital advisory mandates, and $5B of additional property cat limit sold at midyear. 5% on 11% comp.
Calendar 2025 Q1
Are you expecting media renewals to be similar in terms of terms and changes in attachment points and pricing
Show response
Klisura confirmed stable Florida market with adequate capital supply, active cat bond market, and benefits emerging from Florida legal reforms lowering frequency and severity.
is the environment and the increased uncertainty positive or is it overall a negative for Oliver Wyman
Show response
Studer noted strong growth in insurance/actuarial, consumer/telecom/tech, and transportation practices. Acknowledged short-term uncertainty can cause a freeze but too early to tell if conditions worsen.
Calendar 2024 Q4
should we assume that it actually is a positive for your organic growth beyond '25, just given their market focus
Show response
Doyle confirmed optimism about McGriff's contribution, citing specialty capabilities, middle market reach, and cultural alignment. Integration proceeding well.
I think previously you'd been saying mid to high -- or mid-single digits are better. So, I'm not sure if I'm reading too much into your comments
Show response
Doyle deflected the language change, citing fiduciary income as the primary headwind. Emphasized broad-based strength with Marsh at 8%, Oliver Wyman rebound, and supportive macro.
PRUPrudential Financial9 questions · 4 reporting periods · 2 of 9 challenging
Calendar 2025 Q4
Wouldn't there be an eventual impact on cash flows beyond this year or next year if the earnings, in fact, are depressed in the business
Show response
Yanela acknowledged that if impact continued beyond current estimates, cash flows would be affected. But based on 90-day assumption, 2027 impact is considerably lower than 2026. Providing estimates based on current information.
what are the sort of things that you could do to ensure that you can retain the agents if, in fact, the suspension period is running longer
Show response
Andy emphasized training/development investment, ongoing financial support, and pride in the company's purpose as retention tools. Leading from the front on the issue makes employees proud, which is as important as compensation.
Calendar 2025 Q3
are you seeing competitors or are you just seeing a more crowded market? Or is it that companies are offering terms and conditions which you feel you don't want to match
Show response
Andy confirmed crowded market with expected aggressive pricing. Committed to disciplined growth emphasizing brand, portfolio breadth, and distribution. Over $1B monthly RILA sales every month of 2025.
if you could just talk about what you're seeing in terms of claims trends and price competition in the Disability market
Show response
Andy cited three factors: higher average claim sizes for STD/LTD, lower LTD resolutions after exceptionally strong Q2, and unfavorable NY Paid Family Leave experience (pricing recently raised). Pricing remains rational across the market.
Calendar 2025 Q2
should we assume that you would actually, over time, try to get the number higher than 200%
Show response
Yanela confirmed comfort with current ESR range, no intent to push materially higher. Level designed to absorb cyclical stress while maintaining AA.
are you seeing companies actually either pay more in commissions or offer more generous terms and conditions
Show response
Andy acknowledged all competitive levers (pricing, commissions) are being utilized by competitors without specifics. Natural market share fragmentation with 25 competitors.
Calendar 2025 Q1
How should we assume that both of those businesses are going to hold up in the face of higher market volatility
Show response
Andy noted retail clients react first to volatility (seen in March/April), institutional could follow if volatility persists. Annuity market robust at $100B industry record; aging demographics and need for protected solutions support long-term tailwinds.
can you talk about like some of the key areas where maybe we'll see a shift in strategy or focus on the part of Prudential
Show response
Andy reiterated continuous evaluation discipline but declined to provide specifics on strategic shifts, saying he's not ready to go deeper.
what do you think is the normal threshold that you'd want to run your business given your liability profile in Japan
Show response
Yanela declined to share specific ESR threshold, deferring to summer preliminary disclosure. Jimmy pressed twice but management held the line on timing.
AFLAflac8 questions · 4 reporting periods · 5 of 8 challenging
Calendar 2025 Q3
do you think what you've seen recently is representative of what you'd expect longer term? Or is this a business that over time should be growing faster than what it's been growing at?
Show response
Virgil said dental recovery is gradual, with ~$12M quarterly increase trending higher. Expects trend to continue in Q4 and accelerate in 2026 as broker cases grow.
in terms of claims trends, it seems like your benefits ratio has been going up if we adjust for the actuarial reviews and remeasurement gains and stuff
Show response
Max identified three drivers: (1) active endorsements/benefit enhancements on cancer, accident, hospital products that were too low post-pandemic, (2) cyclical catch-up especially undetected cancers during pandemic, (3) mix shift toward higher benefit ratio products like life/disability and dental.
Calendar 2025 Q2
Has it gotten to what you would expect to be a normal level of sales for that business? Or is it still -- there's the catch-up related to the platform change?
Show response
Virgil acknowledged 43% growth is on small base but at high end of expectations. Dan added dental is a door opener for supplemental products.
sales have actually consistently been weaker than expected. I think last year, you were down. This year, they've been positive, but fairly sluggish
Show response
Virgil framed deliberate underwriting discipline as depressing headline sales growth while driving earned premium growth of 3.4% and persistency up 50bp. Expects stronger second half.
Calendar 2025 Q1
it seems like sales have stabilized following the change in the tech platform, but are you expecting normal production this year and open enrollment?
Show response
Virgil confirmed dental recovery with 23% sales increase in Q1 and cited SKYGEN partnership delivering well. Agents who sold dental saw 20% overall sales uplift.
Should we assume that if the competitive environment stays the way it is, sales will muddle along at these levels? Or are you doing anything that would suggest that there could be a recovery
Show response
Dan emphasized cyclical nature of product refreshes with cancer insurance dominating in 2025 and medical likely revisited next year. Excited about Tsumitasu bringing younger policyholders.
Calendar 2024 Q4
if you look at where sales are versus where they used to be pre-pandemic, they're still fairly depressed. So just wondering what's changed in the market
Show response
Yoshizumi detailed recovery strategy including new cancer product launch, Tsumitasu driving younger customers, and new agent hiring of 600+ in 2023.
on the dental rollout, should is that starting to get to normal, or is that more of a 2026 event?
Show response
Virgil confirmed dental platform is stabilized with industry-leading partner SKYGEN but acknowledged need to rebuild broker trust.
METMetLife8 questions · 4 reporting periods · 2 of 8 challenging
Calendar 2025 Q4
In Japan, you've seen pretty dramatic moves in some of the macro variables, it's currency or interest rates. How is that affecting your business
Show response
Lyndon Oliver acknowledged temporary FX/rate-driven sales fluctuation as customers wait for stability, but emphasized breadth of product portfolio and distribution strength. Japan sales up 17% for the full year. Declined to comment on Prudential Japan situation beyond saying MetLife is optimistic about its own position.
Just comment on what you've seen through renewal season in various product lines. I know you've been pricing up dental over the past year
Show response
Ramy Tadros reported improving dental persistency after 2025 rate actions, strong overall sales growth, and highlighted disability as an area of particular one-one strength.
Calendar 2025 Q2
Is it based on just the fact that many of these things move around quarter-to-quarter and this quarter was just bad, especially on the voluntary side? Or is it -- or have you seen an improvement al...
Show response
Ramy Tadros cited dental seasonal patterns, disability running in line with pricing inclusive of July data, and specialty claims being isolated high-value incidents. Expects 200bps improvement in each of Q3 and Q4.
is this more of a normal quarter and representative of the division's earnings power? Or were earnings depressed for whatever reason?
Show response
Lyndon Oliver attributed weakness to lower VII (Asia holds 40%+ of VII assets) and yen strengthening reducing surrender income by ~$15-20M vs expectations. Full year underlying earnings expected to remain in line with guidance.
Calendar 2025 Q1
If you look at the base yield, it was down, I think, around 11 basis points sequentially, around 13 bps year-over-year and spreads were down ex-VII
Show response
John McCallion acknowledged the spread decline, citing interest rate cap roll-off and higher-than-expected paydowns in structured securities. Ramy Tadros highlighted 8% liability balance growth offsetting spread compression. Net earnings impact effectively flat.
are you seeing indications that with all this uncertainty that the recovery is going to stall? Or what are you seeing in the crucial mortgage loan book?
Show response
John McCallion noted strong office leasing and investment activity but acknowledged uncertainty could slow momentum. Believes sector has found a trough in values with resolution of reserves expected this year and next.
Calendar 2024 Q4
How should we think about losses coming in from that over the course of the year, and has the market stabilized
Show response
John said the CRE cycle is approaching the trough with LTVs near peak, most losses fully reserved, and maybe 1-2 points of RBC impact remaining.
I think recently, there have been even some reports about potential nationalization of some of the ESP businesses
Show response
Eric Clurfain explained the reform preserves private pension structure with gradual employer contribution increases and no material business impact expected.
PFGPrincipal Financial Group8 questions · 4 reporting periods · 4 of 8 challenging
Calendar 2025 Q3
how do you think about like the weaker investment performance that you've seen recently factoring into your net flow expectations over the next year?
Show response
Kamal acknowledged active target date fund underperformance impacting retirement flows. International equity and data center fund performing strongly. Adding risk management talent and tools in weaker equity areas. Deanna noted concentrated equity market returns create quarter-to-quarter volatility.
To what extent do you think it's the beginning of a trend given the favorable market backdrop that you have?
Show response
Kamal noted mandates from longer-term investors in trough-of-cycle assets suggesting sustainability. Management fee rate up 5% bucking industry trend. Q4 typically active for rebalancing. RFP questions shifting to exploration and new ideas rather than reallocation among existing mandates.
Calendar 2025 Q2
Is it reasonable to assume flows turning positive in the next few quarters, or is it sort of hard to say given market volatility or other factors?
Show response
Kamal highlighted strong international pipeline and gross sales growth while acknowledging changing market cycle causing client decision deferrals. Specialty global fixed income gross revenue up 40% with unfunded mandates up 120% year over year. Focus on earnings and margin growth which are stronger than peers.
You're almost at the level you had in all of last year through the first half of the year. So not sure if your guidance is overly conservative
Show response
Kamal explained some Q3 performance fees pulled forward to Q2 creating appearance of strong run rate. Real estate equity engine not fully kicked in and dependent on both rate environment and market cycle. Expect 2026 improvement but modesty warranted for rest of 2025.
Calendar 2025 Q1
Your comments on the pipeline have been generally constructive, but flows were weak across all of those businesses
Show response
Deanna emphasized flows not created equally; run rate revenue positive on net outflows. Kamal cited private market deployment of $1.35B on behalf of third-party clients.
Has there been a change in your view on how you approach the business versus this before?
Show response
Kamal noted incentives focused on revenue rate over volume. Chris explained most low-fee business from IRT acquisition. Large plans still important for scale and participant access.
Calendar 2024 Q4
the flows have been negative for the past 3 years because of some of the things you discussed on the call earlier. Is it reasonable to assume that there's not going to be a major change
Show response
Chris acknowledged structural pressure from baby boomer withdrawals but noted younger generations saving more. Deanna added account values still growing despite negative flows.
you've been in the process of repricing your dental book, I think, a couple of years now. But should we assume that that's done completely?
Show response
Amy confirmed bulk of repricing flowing through now into H1 2025. Expects dental loss ratio to return to historical patterns with positive production in 2025.
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AONAon7 questions · 4 reporting periods · 1 of 7 challenging
Calendar 2025 Q3
your results, they've accelerated over the course of the year, 5% in 1Q to 6% in 2Q, 7% in 3Q. And the change has been more than hiring -- the hiring tailwind ramping up alone
Show response
Greg attributed acceleration to cumulative 3x3 Plan execution: analyzers driving RFP wins, data fidelity from ABS integration, risk capital/human capital connectivity, and Enterprise Client Group expansion. Not M&A services or one-offs.
Calendar 2025 Q2
On new hires, I think Edmund had outlined at Investor Day that the contribution should pick up as you go through this year
Show response
Edmund confirmed 6% revenue-generating hire growth in line with Investor Day targets. M&A services described as 'better but not back', a tailwind but not the key growth driver. Double-digit construction growth and core P&C driving Commercial Risk's 6%.
just maybe comment on your interest in large M&A. It seems like the antitrust environment is better than it was before
Show response
Edmund emphasized position of strength with flexibility from strong FCF, citing Investor Day metrics: 12% revenue growth after 1 year, 20%+ IRR, industry-leading ROIC. Greg reinforced long-standing ROIC-driven capital allocation discipline.
Calendar 2025 Q1
if you could just comment on how it's tracked versus what you would have expected. Because if we look at the contribution to revenues from acquisitions and dispositions
Show response
Greg gave a high-level positive assessment noting exceeded expectations on connectivity and producer retention, but did not address the specific observation about lower acquisition/disposition revenue contribution relative to prior quarters.
there's been a lot of volatility in the macro and geopolitical environment. So just wondering where the if any, there are changes in your expectations for your various businesses
Show response
Greg acknowledged real pressures on discretionary spending but emphasized increased client demand for advisory in uncertain environments. Edmund detailed solution-line-by-line second-half growth drivers reinforcing guidance confidence.
Calendar 2024 Q4
you're fairly specific on organic growth and on cash flows, but somewhat vague on EPS growth. So just trying to think about what strong EPS growth means. Does it mean double-digits?
Show response
Edmund pushed back on the 'vague' characterization, walking through the detailed margin, FX, and OIE components. Greg added context on the decade-long 11% EPS CAGR track record but did not give a specific EPS growth number.
Is there a change going forward than what you've done in the past? I guess in 2025, you are sort of going to be deleveraging. But beyond that, should we assume that you're going to be fairly consis...
Show response
Both Greg and Edmund confirmed no change to capital allocation policy: balanced approach between growth investment and shareholder returns, driven by ROIC and cash-on-cash returns.
ALLAllstate6 questions · 3 reporting periods · 0 of 6 challenging
Calendar 2025 Q2
the margin profile of independent agency and direct that you're writing versus captive agents
Show response
Wilson pushed back that Allstate writes on lifetime value across all channels and risk levels and feels good about the clean book quality.
talk about the sort of potential tailwinds and headwinds for growth
Show response
Wilson framed growth priorities around 28% ROE and capital deployment; Rizzo said inactive brand drag will diminish, New York/New Jersey now rate adequate, and ASC filings await approval.
Calendar 2025 Q1
that should help new business volume, which sort of implies that the sort of turn that you've seen in this should sustain, but any reasons to believe that recent improvement would not continue?
Show response
Wilson said retention lags rate actions just as it did on the way up, so SAVE program efforts should drive retention improvement alongside the more stable rate environment.
are you seeing that result in companies getting a little bit more aggressive on pricing, or do you feel competition is fairly rational overall?
Show response
Wilson said rate increases are slowing industry-wide but the market remains rational; Rizzo added favorable frequency and moderating physical damage severity are supporting margins broadly.
Calendar 2024 Q4
of the remaining that you're not growing in, should that begin, happen throughout the year gradually, or is there more of a cliff event?
Show response
Rizzo declined to give quarterly PIF projections but said new business, retention, ASC rollout, and marketing are interconnected drivers of state-level growth opportunities beyond the current 31 states.
capital deployment between growth, m and a, and share buybacks. And is it unreasonable to assume
Show response
Wilson walked through organic growth as a twofer, risk/return on economic capital, inorganic growth with National General/SquareTrade at net-half-cost, and share repurchases as capital structure levers.
PGRProgressive Corporation5 questions · 3 reporting periods · 2 of 5 challenging
Calendar 2025 Q3
I would have thought that it would be growing at a fairly fast clip since you were expanding your target markets
Show response
Tricia said for-hire transportation rate and non-rate actions have slowed growth, while BOP and contractors (lower premium, 6-month) are ramping; longer-term aspirations remain strong.
are you seeing competitors get more aggressive with pricing and writing business either with sort of implied losses or very low margins
Show response
Tricia said competitors are both cutting prices and increasing advertising, which she views as good for consumers and consistent with Progressive's competitive-prices pillar.
Calendar 2025 Q2
How does that affect the TAM and the overall market opportunity for personal, auto companies over the next -- if you were to look forward, over the next 5 to 10 years
Show response
Tricia said frequency declines from ADAS are offset by severity and that 13-year vehicle fleet lifespans mean safer cars take time to reshape the TAM; Progressive still sees meaningful runway.
how the -- you view the competitive environment to be in personal auto.
Show response
Tricia said Progressive got out ahead on rates and welcomes the competitive environment as consistent with its sweet spot of growing as fast as possible at target margins.
Calendar 2025 Q1
Why is it not reasonable to assume that you would see a slowdown in PIF growth
Show response
Tricia acknowledged tougher comps but said the acquisition machine is running well and reiterated that if she had a buck to bet she'd bet on Progressive.
ACGLArch Capital Group4 questions · 2 reporting periods · 0 of 4 challenging
Calendar 2025 Q2
What's sort of an ideal scenario for the MI business from a profitability standpoint? And how do you view declines in interest rates affecting that?
Show response
Francois said 50bps rate drop would be net positive as new production benefit exceeds refinancing loss. In-force book has high quality and home equity. Would require a significant rate drop to trigger meaningful refinancing. Comfortable giving up some in-force in exchange for new business.
where is it that you're seeing attractive growth opportunities across reinsurance and insurance versus maybe highlight some of the lines where you might have been active in the past, but you just f...
Show response
Nicolas provided comprehensive growth map: attractive areas include E&S casualty, specialty excess, retail casualty, London franchise, and MidCorp (double-digit rate increases). Challenged areas: D&O, cyber, E&S property (fierce competition). Selective approach, not entire casualty market is attractive.
Calendar 2024 Q4
On MI reserve releases, can you go through the details on what's driving those and how much of that is from the last one to two years versus maybe a few years back
Show response
Francois explained reserve releases came from all three mortgage sub-segments, driven by better-than-expected cure rates and lower severity from 2022-2023 vintages.
I'm assuming part of the reason you did a little bit of buybacks this quarter versus none before was just the decline in the stock price.
Show response
Francois confirmed capital position remains strong even with CA wildfires. Will return excess capital if organic deployment opportunities are insufficient.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| GL Globe Life | 13 | 31%4 of 13 questions |
| MRSH Marsh & McLennan Companies, Inc. | 10 | 20%2 of 10 questions |
| PRU Prudential Financial | 9 | 22%2 of 9 questions |
| AFL Aflac | 8 | 63%5 of 8 questions |
| MET MetLife | 8 | 25%2 of 8 questions |
| PFG Principal Financial Group | 8 | 50%4 of 8 questions |
| AON Aon | 7 | 14%1 of 7 questions |
| ALL Allstate | 6 | 0%none of 6 questions |
| PGR Progressive Corporation | 5 | 40%2 of 5 questions |
| ACGL Arch Capital Group | 4 | 0%none of 4 questions |
- GLGlobe Life · 13 questions31%4 of 13 questions
- MRSHMarsh & McLennan Companies, Inc. · 10 questions20%2 of 10 questions
- PRUPrudential Financial · 9 questions22%2 of 9 questions
- AFLAflac · 8 questions63%5 of 8 questions
- METMetLife · 8 questions25%2 of 8 questions
- PFGPrincipal Financial Group · 8 questions50%4 of 8 questions
- AONAon · 7 questions14%1 of 7 questions
- ALLAllstate · 6 questions0%none of 6 questions
- PGRProgressive Corporation · 5 questions40%2 of 5 questions
- ACGLArch Capital Group · 4 questions0%none of 4 questions
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2024 Q4 | 17 | 24%4 of 17 questions | 8 |
| 2025 Q1 | 19 | 32%6 of 19 questions | 9 |
| 2025 Q2 | 21 | 14%3 of 21 questions | 10 |
| 2025 Q3 | 13 | 38%5 of 13 questions | 7 |
| 2025 Q4 | 8 | 50%4 of 8 questions | 4 |
- 2024 Q417 questions · challenge rate 24% (4 of 17 questions) · 8 companies
- 2025 Q119 questions · challenge rate 32% (6 of 19 questions) · 9 companies
- 2025 Q221 questions · challenge rate 14% (3 of 21 questions) · 10 companies
- 2025 Q313 questions · challenge rate 38% (5 of 13 questions) · 7 companies
- 2025 Q48 questions · challenge rate 50% (4 of 8 questions) · 4 companies
Topics
Topics tagged on this analyst’s questions.
- Demand25
- Competitive Dynamics23
- Revenue Growth17
- Margin16
- Capital Allocation12
- Pricing9
- M&A6
- Macroeconomic5
- Guidance Reliability5
- Product Launch5
Show all 19 topics
- Regulation Policy5
- Cost Pressure4
- Credit4
- Geographic Expansion3
- Innovation & R&D3
- Subscriber Growth2
- Trade Tariffs2
- Labor Market1
- Capex Investment1