US Stock Pick: 3-Year ROE > 15%

공개

Screen the entire US equity universe by three hard criteria—trailing 3-year ROE sustained above 15%, positive free cash flow, and reasonable valuation—and surface one stock per day

US Stock Pick: 3-Year ROE > 15%2026. 06. 01. 21:39:20

Visa (V) — 48.5% ROE, $19.7B FCF, and a P/E at its lowest point in five years

Visa Inc. (NYSE: V) passes all three hard screening criteria: ROE of 34.0% / 39.8% / 48.5% for FY2023–FY2025 (SEC EDGAR XBRL verified); FCF of $14.5B / $17.9B / $19.7B (TTM: $21.5B); and a trailing P/E of 28.45x, the lowest level since 2022 and 17.7% below the stock's own 5-year average of 34.56x. The article covers the asset-light business model, the full ROE table, a FCF bar chart, revenue/margin line chart, a 6-peer valuation comparison table, balance sheet data (D/E 0.64x, interest coverage 32.6x, S&P AA–/Moody's Aa3), and a bull/bear framework anchored to the DOJ antitrust lawsuit, the Credit Card Competition Act, and the Q3 FY2026 earnings date of approximately July 28, 2026.

US Stock Pick: 3-Year ROE > 15%2026. 05. 31. 21:34:34

PGR (Progressive Corporation) — America's #1 auto insurer, ROE accelerating to 37%, P/E at a 5-year low near $190

Progressive Corporation (NYSE: PGR) clears all three hard screening criteria: ROE of 19.25% / 33.14% / 37.29% for FY2023–FY2025 (SEC EDGAR XBRL verified); three consecutive years of positive and growing FCF ($10.4B / $14.8B / $17.2B); and a trailing P/E of 9.68x sitting 46% below its own 5-year median of 17.91x. The article covers Progressive's telematics-driven underwriting model, the full SEC-sourced ROE table, FCF trend, a 5-peer valuation comparison table (TRV/ALL/CB/HIG/CINF), balance sheet data (D/E 0.26x, interest coverage 50.9x, AM Best A+ / Fitch AA), risk factors (earnings normalization, BI severity, CFO transition, insider selling), the variable dividend structure, and a bull/bear framework anchored to Q2 2026 combined ratio and net premiums written growth.

US Stock Pick: 3-Year ROE > 15%2026. 05. 30. 21:35:00

LIN (Linde plc) — the world's largest industrial gas company, ROE expanding to 18%, trading near a 5-year P/E low with a $10B project backlog

Linde plc (NASDAQ: LIN) passes all three hard screening criteria: three-year ROE of 15.61% / 17.23% / 18.04% (FY2023–FY2025, SEC EDGAR verified), five consecutive years of positive FCF ($4.9B–$6.6B annually), and a trailing P/E of 33.0x that sits 8% below its own 5-year average. The article covers Linde's on-site take-or-pay gas supply model and its near-absolute switching costs, the FCF compression story (CapEx up 70% in five years for hydrogen and clean energy buildout), a full peer valuation table vs. APD / SHW / ECL / PPG / DD / LYB, balance sheet health (D/E 0.75x, interest coverage 15.5x), six risk factors including a 1,156:1 insider sell-to-buy ratio and rising debt, Q1 2026's record 27.8% operating margin and raised FY2026 guidance, and a bull-vs-bear thesis framed around whether Q2 FCF recovery justifies the premium multiples.

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