About Us
Hoeg & Company, Ltd. was founded to leverage radically new, yet incredibly simple measures of operational performance based on Greg Hoeg’s proprietary Efficient Frontier Analysis (EFA). Similar to those used in investment portfolio theory, these benchmarks define the best business performance in the banking and insurance industries.
What makes us different:
True Benchmarks.
Our method of evaluating performance reveals both best actual performance and best possible industry performance. Competitors with similar business portfolios can be distinguished on the basis of efficiency. Firms that more effectively acquire and manage business can be distinguished from less effective competitors.
Core Business Focus.
Hoeg & Company ratings are a reflection of the performance of an insurer or bank’s core business operations. Traditional ratings are focused on the asset to liability balance of the company, not the operational quality of a company.
Advance Warning.
If assets are being wasted through inefficiency or ineffective business, it will be seen in the our ratings before it impacts the firm's assets.
Objectivity and Independence.
Hoeg & Company ratings are based entirely on data reported in financial reports to regulators and our proprietary Efficient Frontier Analysis (EFA).
Cycle Agnostic.
The impact of industry and economic cycles, by the nature of EFA, has been eliminated from the Hoeg & Company’s ratings such that multi-year comparisons and trending analyses are straightforward and reliable.
Capabilities Based.
Our ratings reflect true competitive advantage or weakness in terms of acquiring, servicing and managing business.
