Cash Rich
Net cash position, cash > 10% of market cap, ROE > 10%.
A company with more cash than debt answers to no lender, and can buy back stock or buy rivals when others are cutting back. With cash above 10% of market value and a 10%+ return on equity, part of the share price is covered by the bank balance.
Insurers and banks hold cash they need to run the business, so it isn't free to return to shareholders.