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BLK

BlackRock

Banks & insurers · fiscal year ending 2025-12-31

Through the investors’ lenses

Each of these investors has said in public what they look at before buying. Click a name to see how this company measures up — a tick where it passes one of their tests, a cross where it does not.

Warren Buffett 2/3
MeasureBLKChecked against
Owner earnings$5.47bnpositive
Return on equity9.9%median 11.7%
Debt to equitymedian 0.79x
Operating margin29.1%median 15.0%

Passes 2 of 3. To be clear: Warren Buffett has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

Terry Smith 1/1
MeasureBLKChecked against
Return on capital employedmedian 10.1%
Cash conversionmedian 1.78x
Operating margin29.1%median 15.0%
Debt to equitymedian 0.79x

Passes 1 of 1. To be clear: Terry Smith has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

Charlie Munger 1/2
MeasureBLKChecked against
Return on capital employedmedian 10.1%
Return on equity9.9%median 11.7%
Operating margin29.1%median 15.0%

Passes 1 of 2. To be clear: Charlie Munger has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

Chuck Akre 0/1
MeasureBLKChecked against
Return on equity9.9%median 11.7%
Debt to equitymedian 0.79x
Cash conversionmedian 1.78x

Passes 0 of 1. To be clear: Chuck Akre has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

Philip Fisher 2/2
MeasureBLKChecked against
Operating margin29.1%median 15.0%
Net margin22.9%median 10.2%
Return on capital employedmedian 10.1%

Passes 2 of 2. To be clear: Philip Fisher has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

Peter Lynch 1/1
MeasureBLKChecked against
Debt to equitymedian 0.79x
Net margin22.9%median 10.2%

Passes 1 of 1. To be clear: Peter Lynch has never said anything about BlackRock. These are the company’s own figures put through the tests he described. What he looks at, and why →

BasisPayoutWhy
GAAP earnings 59.0%
why
The figure most screeners publish.

Only one basis is shown, and that is the point. Operating and free cash flow swing with loan, deposit and reserve movements, so for a lender or insurer neither says anything about whether the dividend is affordable. Investment income is omitted for a second reason: insurers file it under the same tag a BDC uses, but it means investment income on float rather than the money that funds the distribution. Screeners that publish these for a bank are printing arithmetic, not information — and a wide gap between them is noise, not a finding.

Coverage rating 36 / 100 — Strained. ? Peer standing 6/50Direction 10/30Stability 20/20

GAAP earnings payout, last 4 years

Fiscal yearPayout
2025-12-3159.0%
2024-12-3148.6%
2023-12-3154.8%
2022-12-3157.5%

Among the 48 banks & insurers companies here, only 12% pay out a larger share on this basis — this is at the demanding end.

The arithmetic

Where the figures came from

All public at sec.gov — you should not have to take our word for it.

Caveats on this company


Computed straight from SEC XBRL. A number that looks wrong to you is more useful to us than agreement — tell us.

What the GAAP earnings payout ratio measures, and where every company here sits on it.

Also on: rated strained · when it files.

When this changes

Every figure above is recomputed whenever BlackRock files. The monthly letter carries what filed, what moved, and one finding computed across every company here.

Get the letter →