Top Financial Stocks by UQS Score

1489 stocks scored · Last updated April 8, 2026

Financial companies operate on fundamentally different economics than every other sector. Banks use leverage as a core business tool, not a risk signal. Insurance companies collect premiums before paying claims. REITs distribute most of their earnings as dividends. Standard financial metrics like ROIC and debt-to-equity ratios are misleading when applied to these businesses without adjustment. The UQS model recognizes this: financial companies are scored with sector-specific thresholds that exclude leverage-based metrics and emphasize return on equity, earnings quality, and valuation relative to book value.

Financials Sector Characteristics

The financials grouping includes banks, insurance companies, asset managers, fintech platforms, and REITs. This is the only sector where the UQS model fundamentally changes its scoring methodology — ROIC is excluded (replaced by ROE), leverage metrics like debt-to-equity and net debt/EBITDA are dropped from the risk pillar, and gross profit/total assets is excluded from quality. These adjustments are necessary because financial companies' 'raw material' is debt itself. A bank with a 15% ROE and well-managed credit risk is a fundamentally different proposition than an industrial company with 15% ROE achieved through financial engineering.

Scoring note: For financials, ROIC and leverage metrics (debt-to-equity, net debt/EBITDA) are automatically excluded from scoring — these metrics are meaningless for companies that use debt as working capital. ROE carries the quality weight instead, and the risk score focuses on solvency ratios and interest coverage.

Financials Sector Score Overview

74

Avg UQS Score

89

Avg Quality

47

Avg Moat

71

Avg Growth

81

Avg Risk

87

Avg Valuation

Top Financials Stocks: Who Leads and Why

#1VINPVinci Compass Investments Ltd.80

Vinci Compass Investments Ltd. leads the financial sector with a 80 UQS score. Its quality score of 88 reflects strong ROE-driven profitability, while its moat score of 35 captures deep competitive advantages in its financial niche.

#2SEZLSezzle Inc.79

Sezzle Inc. earns a 79 overall score, with particular strength in valuation (97) suggesting the market hasn't fully priced its earnings power and growth trajectory.

#3BAM.TOBrookfield Asset Management Ltd.78

Brookfield Asset Management Ltd. scores 78, demonstrating balanced performance across quality (82), growth (100), and risk (91). Its financial stability stands out in a sector prone to cyclical swings.

#4TWTradeweb Markets Inc.76

Tradeweb Markets Inc. scores 76 overall with strong returns on equity and a solid moat score, reflecting durable competitive advantages in financial services.

#5FUTUFutu Holdings Limited76

Futu Holdings Limited scores 76 overall with strong returns on equity and a solid moat score, reflecting durable competitive advantages in financial services.

Full Financials Ranking: Top 25 Stocks

#	Stock	UQS	Q	M	G	R	V
1	VINPVinci Compass Investments Ltd.	80	88	35	96	100	100
2	SEZLSezzle Inc.	79	100	26	100	84	97
3	BAM.TOBrookfield Asset Management Ltd.	78	82	65	100	91	52
4	TWTradeweb Markets Inc.	76	80	74	72	100	56
5	FUTUFutu Holdings Limited	76	75	50	96	70	100
6	VVisa Inc.	76	87	88	56	67	70
7	EVREvercore Inc.	76	78	42	89	94	91
8	PLMRPalomar Holdings, Inc.	75	91	34	100	64	97
9	ASICAtegrity Specialty Holdings LLC	75	74	32	94	100	100
10	AIIAmerican Integrity Insurance Group, Inc.	75	100	35	77	73	100
11	HLNEHamilton Lane Incorporated	74	96	51	73	80	72
12	XZOExzeo Group, Inc.	74	85	37	95	73	91
13	HCIHCI Group, Inc.	74	100	31	56	100	100
14	TIGRUP Fintech Holding Ltd. Sponsored ADR Class A	73	100	33	66	78	99
15	MAMastercard Incorporated	72	87	83	71	35	69
16	SEICSEI Investments Company	72	86	48	51	100	85
17	TBBKThe Bancorp, Inc.	71	98	33	68	68	100
18	ESQEsquire Financial Holdings, Inc.	71	90	32	80	78	86
19	RNRRenaissanceRe Holdings Ltd.	71	91	44	36	100	100
20	PRIPrimerica, Inc.	71	92	45	42	91	98
21	MKTXMarketAxess Holdings Inc.	71	89	65	41	83	77
22	SLDESlide Insurance Holdings, Inc. Common Stock	71	100	28	82	64	85
23	CMECME Group Inc.	71	80	82	36	100	53
24	APOSApollo Global Management, Inc.	70	86	57	50	62	100
25	YBYuanbao Inc. American Depositary Shares	70	94	35	60	73	100

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Frequently Asked Questions About Financials Stocks

Why are leverage metrics excluded for financial companies?

Banks, insurance companies, and REITs use debt as a primary business tool — a bank's deposits are technically debt, and its ability to leverage those deposits into loans is the core of its business model. A bank with a 10:1 debt-to-equity ratio isn't 'overleveraged' in the way an industrial company would be — that's how banking works. Scoring financials on standard leverage metrics would penalize them for doing their job well. Instead, the UQS model evaluates financial company risk through ROE consistency, interest coverage, and solvency ratios.

How are REITs scored differently from other stocks?

REITs are classified as financials in the UQS model, which means ROIC and leverage metrics are excluded from their scoring. This is intentional: REITs have structurally different balance sheets (required to distribute 90% of taxable income as dividends) and use mortgage debt as a core operating tool. The most informative UQS scores for REITs are typically quality (via ROE and margins), moat (property type and location advantages), and valuation (price relative to funds from operations).

What drives high UQS scores in the financial sector?

The highest-scoring financial companies combine strong ROE (indicating efficient use of shareholder capital) with wide moats (switching costs, regulatory barriers, scale advantages) and attractive valuations. Banks with dominant deposit franchises, insurance companies with disciplined underwriting, and asset managers with sticky AUM bases tend to score well. Growth can also differentiate — fintech companies with expanding market share often score higher on growth than traditional banks.