Office of the Superintendent of Financial Institutions (OSFI)
Quarterly Canadian property & casualty insurer financial-strength intelligence from OSFI's keyless open-data PC1 core financial statement return and PC4 minimum capital test (open.canada.ca CKAN datastore): a company x quarter panel of IFRS-17 P&L items differenced from year-to-date to quarterly values (insurance revenue, insurance service result, net investment result, net income), balance-sheet anchors (total assets, liabilities, equity via the accounting identity), the PC4 MCT solvency ratio, and derived intelligence — insurance-service margin, quarterly ROA, revenue YoY growth, equity ratio — plus a documented 0-100 strength_score (35% MCT buffer + 30% service margin + 20% ROA + 15% revenue growth, each winsorized p1/p99 and min-max scored within the quarter), strength_rank/percentile, and flags (weak_capital below OSFI's 150% supervisory target, negative_service_result, shrinking_revenue, outlier_mct, data_gap). Primary key: (osfi_company_id, quarter). Cadence: quarterly; as_of is the quarter-end date, so a re-ingest of the same quarter is a no-op. Caveats: figures in CAD thousands; quarterly P&L values come from restated YTD filings and can be negative; the score is peer-relative, not an OSFI rating and not investment advice; compare Canadian vs foreign filers with care. commercial_use = yes (Open Government Licence - Canada; attribution to OSFI required). Sample use: filter watch_flag = 1 for insurers tripping any risk flag, or order by strength_rank within quarter for the strongest peers.
- insurance
- osfi
- quarterly
- canada