Provisionalpending validation

Fortune 100

How mature is each company’s AI governance? We score it from primary evidence (regulatory filings, job postings, and governance disclosures), never from press releases.

How we score this

91%

Board Oversight

Boards enact oversight more than they announce it — substance leads signal.

91% carry an operative board mechanism vs 68% that only state one · +23pp · Nasdaq-100 · n=66

Governance Is Not Bought

Firm size and resources explain almost none of it. Governance maturity is not a function of how big you are.

Apparatus depth vs. size: R²≈0.06 · confound-independent

15%

Who Actually Staffs It

Most "AI-governance" roles are mislabeled build roles. Only ~15% actually govern.

Role-anchored govern-share · covered panel · bank-weighted

0.82κ

Media DO / SAY Reversal

Some govern quietly; others announce it loudly. The two rarely coincide.

M-channel DO vs SAY · agreement κ=0.82

+25pp

Substance Leads or Lags

On the board channel, substance comes before the announcement, not after.

Board substance premium +25pp · cross-channel timing pending

§ · Sectors — click a band to hide, a tab to restore

Showing 91 of 91

Fortune 100 Publication Status

12/12 sector cohorts hardened. This board is live as a provisional cross-cohort ranking pending final publication signoff.

12/12 cohorts hardened

Fortune Banks Financialsapproved provisional2026-07-01 / 963e679f

Fortune Insuranceapproved provisional2026-07-01 / eb56690d

Fortune Healthcare Payersapproved provisional2026-07-01 / 50e6bf02

Fortune Health Distributionapproved provisional2026-04-01 / a177016b

Fortune Pharmaapproved provisional2026-07-01 / 5bc2ab35

Fortune Techapproved provisional2026-07-01 / 6729464f

Fortune Retailapproved provisional2026-07-01 / 14294f6b

Fortune Energyapproved provisional2026-04-01 / ff2b86d3

Fortune Auto Industrialsapproved provisional2026-07-01 / 8ca25617

Fortune Telecom Mediaapproved provisional2026-04-01 / 997f760c

Fortune Logistics Airlinesapproved provisional2026-04-01 / 3e9f23a6

Fortune Food Cpgapproved provisional2026-04-01 / 931aed96

Firm

Ranked by

Ethical Advancement

L4 · Sustained

MicrosoftMSFT

78.7

JPMorgan ChaseJPM

72.8

Morgan StanleyMS

67.0

L3 · Emerging

MetaMETA

65.9

Intel CorporationINTC

64.8

NVIDIA CorporationNVDA

64.8

Capital OneCOF

62.8

Wells FargoWFC

62.2

Goldman SachsGS

60.8

Freddie Mac

59.9

AmazonAMZN

58.5

Fannie MaeFNMA

57.5

AlphabetGOOGL

56.2

AT&TT

55.6

IBMIBM

50.7

Foundational Obligations

L2 · Core Compl.

American Express

49.8

CitigroupC

49.0

Oracle Corporation

47.7

Elevance HealthELV

46.6

Bank of AmericaBAC

46.3

Centene CorporationCNC

45.7

Cisco SystemsCSCO

44.9

Apple Inc.AAPL

44.2

Boeing

43.1

The Cigna GroupCI

43.0

HCA Healthcare

42.6

UnitedHealth GroupUNH

42.2

Walmart Inc.WMT

39.7

Charter CommunicationsCHTR

39.6

PfizerPFE

39.6

Tesla, Inc.TSLA

39.5

CVS Health CorporationCVS

38.7

The Walt Disney Company

38.4

Prudential FinancialPRU

38.1

Liberty Mutual

37.5

ChevronCVX

36.9

ComcastCMCSA

36.4

Phillips 66PSX

36.3

VerizonVZ

35.5

Marathon PetroleumMPC

34.6

American International Group, Inc.AIG

34.1

L1 · Reactive

Valero EnergyVLO

32.9

AbbVieABBV

32.8

CostcoCOST

31.6

ExxonMobilXOM

31.3

World Fuel ServicesWKC

31.2

Energy TransferET

31.2

Johnson & JohnsonJNJ

30.6

MetLife, Inc.MET

29.7

Lowe'sLOW

28.4

Dell TechnologiesDELL

28.3

TIAA

27.7

General MotorsGM

27.3

Humana Inc.HUM

27.0

Performance Food GroupPFGC

24.9

Hewlett Packard EnterpriseHPE

24.8

MerckMRK

24.1

Bristol-Myers SquibbBMY

24.1

The Allstate CorporationALL

22.7

ProgressivePGR

22.6

Procter & GamblePG

22.5

TargetTGT

22.5

Albertsons CompaniesACI

22.1

State Farm

21.7

FedExFDX

21.7

New York Life

21.4

Best BuyBBY

21.1

PepsiCoPEP

20.9

American AirlinesAAL

19.8

Cardinal HealthCAH

19.7

Deere & CompanyDE

19.7

McKessonMCK

19.7

United AirlinesUAL

19.7

The Home DepotHD

19.7

UPSUPS

19.6

DowDOW

19.6

RTX (Raytheon Technologies)RTX

19.6

NikeNKE

19.5

Nationwide

19.5

Ford Motor CompanyF

18.2

The Kroger Co.KR

18.1

Below Expectations

L0 · Non-Compl.

CencoraCOR

16.7

The Coca-Cola CompanyKO

16.7

Lockheed Martin Corporation

16.7

Delta Air LinesDAL

16.7

Tyson FoodsTSN

16.7

ADMADM

16.7

TD SynnexSNX

16.7

SyscoSYY

16.7

Berkshire HathawayBRK-B

16.7

CaterpillarCAT

16.7

Ethical AdvancementL3–L415 firms

L4 · Sustained

1Microsoft

Fortune Tech · MSFT

78.68

2JPMorgan Chase

Fortune Banks Financials · JPM

72.80

3Morgan Stanley

Fortune Banks Financials · MS

67.01

L3 · Emerging

4Meta

Fortune Tech · META

65.88

5Intel Corporation

Fortune Tech · INTC

64.83

6NVIDIA Corporation

Fortune Tech · NVDA

64.82

7Capital One

Fortune Banks Financials · COF

62.76

8Wells Fargo

Fortune Banks Financials · WFC

62.21

9Goldman Sachs

Fortune Banks Financials · GS

60.81

10Freddie Mac

Fortune Banks Financials

59.88

11Amazon

Fortune Tech · AMZN

58.46

12Fannie Mae

Fortune Banks Financials · FNMA

57.45

13Alphabet

Fortune Tech · GOOGL

56.17

14AT&T

Fortune Telecom Media · T

55.56

15IBM

Fortune Tech · IBM

50.75

Foundational ObligationsL1–L266 firms

L2 · Core Compl.

16American Express

Fortune Banks Financials

49.83

17Citigroup

Fortune Banks Financials · C

49.04

18Oracle Corporation

Fortune Tech

47.72

19Elevance Health

Fortune Healthcare Payers · ELV

46.65

20Bank of America

Fortune Banks Financials · BAC

46.26

21Centene Corporation

Fortune Healthcare Payers · CNC

45.72

22Cisco Systems

Fortune Tech · CSCO

44.86

23Apple Inc.

Fortune Tech · AAPL

44.20

24Boeing

Fortune Auto Industrials

43.11

25The Cigna Group

Fortune Healthcare Payers · CI

43.03

26HCA Healthcare

Fortune Healthcare Payers

42.65

27UnitedHealth Group

Fortune Healthcare Payers · UNH

42.24

28Walmart Inc.

Fortune Retail · WMT

39.68

29Charter Communications

Fortune Telecom Media · CHTR

39.56

30Pfizer

Fortune Pharma · PFE

39.56

31Tesla, Inc.

Fortune Auto Industrials · TSLA

39.48

32CVS Health Corporation

Fortune Healthcare Payers · CVS

38.72

33The Walt Disney Company

Fortune Telecom Media

38.42

34Prudential Financial

Fortune Insurance · PRU

38.10

35Liberty Mutual

Fortune Insurance

37.51

36Chevron

Fortune Energy · CVX

36.88

37Comcast

Fortune Telecom Media · CMCSA

36.44

38Phillips 66

Fortune Energy · PSX

36.25

39Verizon

Fortune Telecom Media · VZ

35.53

40Marathon Petroleum

Fortune Energy · MPC

34.59

41American International Group, Inc.

Fortune Insurance · AIG

34.14

L1 · Reactive

42Valero Energy

Fortune Energy · VLO

32.87

43AbbVie

Fortune Pharma · ABBV

32.84

44Costco

Fortune Retail · COST

31.55

45ExxonMobil

Fortune Energy · XOM

31.31

46World Fuel Services

Fortune Energy · WKC

31.23

47Energy Transfer

Fortune Energy · ET

31.21

48Johnson & Johnson

Fortune Pharma · JNJ

30.58

49MetLife, Inc.

Fortune Insurance · MET

29.68

50Lowe's

Fortune Retail · LOW

28.37

51Dell Technologies

Fortune Tech · DELL

28.34

52TIAA

Fortune Insurance

27.73

53General Motors

Fortune Auto Industrials · GM

27.28

54Humana Inc.

Fortune Healthcare Payers · HUM

27.04

55Performance Food Group

Fortune Food Cpg · PFGC

24.92

56Hewlett Packard Enterprise

Fortune Tech · HPE

24.85

57Merck

Fortune Pharma · MRK

24.10

58Bristol-Myers Squibb

Fortune Pharma · BMY

24.06

59The Allstate Corporation

Fortune Insurance · ALL

22.68

60Progressive

Fortune Insurance · PGR

22.57

61Procter & Gamble

Fortune Food Cpg · PG

22.54

62Target

Fortune Retail · TGT

22.52

63Albertsons Companies

Fortune Retail · ACI

22.09

64State Farm

Fortune Insurance

21.71

65FedEx

Fortune Logistics Airlines · FDX

21.67

66New York Life

Fortune Insurance

21.42

67Best Buy

Fortune Retail · BBY

21.10

68PepsiCoOver

Fortune Food Cpg · PEP

20.88

69American Airlines

Fortune Logistics Airlines · AAL

19.82

70Cardinal Health

Fortune Health Distribution · CAH

19.75

71Deere & Company

Fortune Auto Industrials · DE

19.73

72McKesson

Fortune Health Distribution · MCK

19.72

73United Airlines

Fortune Logistics Airlines · UAL

19.71

74The Home Depot

Fortune Retail · HD

19.65

75UPS

Fortune Logistics Airlines · UPS

19.63

76Dow

Fortune Auto Industrials · DOW

19.63

77RTX (Raytheon Technologies)

Fortune Auto Industrials · RTX

19.59

78Nike

Fortune Food Cpg · NKE

19.54

79Nationwide

Fortune Insurance

19.47

80Ford Motor Company

Fortune Auto Industrials · F

18.20

81The Kroger Co.

Fortune Retail · KR

18.15

Below ExpectationsL010 firms

82Cencora

Fortune Health Distribution · COR

16.67

83The Coca-Cola Company

Fortune Food Cpg · KO

16.67

84Lockheed Martin Corporation

Fortune Auto Industrials

16.67

85Delta Air Lines

Fortune Logistics Airlines · DAL

16.67

86Tyson Foods

Fortune Food Cpg · TSN

16.67

87ADM

Fortune Food Cpg · ADM

16.67

88TD Synnex

Fortune Tech · SNX

16.67

89Sysco

Fortune Food Cpg · SYY

16.67

90Berkshire Hathaway

Fortune Insurance · BRK-B

16.67

91Caterpillar

Fortune Auto Industrials · CAT

16.67

Prior only · no direct evidence · 8

Prior Only

GE Appliances

Fortune Auto Industrials

CHS Inc

Fortune Food Cpg

Publix Super Markets

Fortune Retail

Enterprise Products Partners

Fortune Energy · EPD

Plains All American Pipeline

Fortune Energy · PAA

The TJX Companies

Fortune Retail · TJX

ConocoPhillips

Fortune Energy · COP

Walgreens Boots Alliance

Fortune Health Distribution · WBA

92GE Appliances

Fortune Auto Industrials

93CHS Inc

Fortune Food Cpg

94Publix Super Markets

Fortune Retail

95Enterprise Products Partners

Fortune Energy · EPD

96Plains All American Pipeline

Fortune Energy · PAA

97The TJX Companies

Fortune Retail · TJX

98ConocoPhillips

Fortune Energy · COP

99Walgreens Boots Alliance

Fortune Health Distribution · WBA

How the score works

The Governance Score sums L0 + P>=L1...P>=visible rung across 10 factors, then divides by 60.
The scorecard rung is the ceiling; a small capped bump can reward well-supported L4/L5 evidence.
Coverage (factors seen / 10) is shown on hover.
The floor tick marks the independently corroborated score — [floor, DA] is corroboration depth, not a confidence interval.
It is demonstrated governance — it correlates with disclosure, so a mature non-discloser scores low.
Cross-sector ranks are provisional (llm_inferred), pending the invariance + coverage checks; L5 (Ethical Vanguard *) is defined within a firm’s own sector.