Profitability
Weight: 25%
B-
65
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 14.7%
- Loss Ratio Trend +6.12 pp/yr
AGO
Assured Guaranty Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
66
- 5yr Avg ROE 7.5%
- 5yr Share-Count CAGR -10.5%
Growth Quality
Weight: 10%
F
9
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -4.8%
- Loss Ratio Trend (growth quality check) +6.12 pp/yr
- Revenue-Growth Years (5) 1/5
Cash Generation
Weight: 15%
C-
50
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Loss Ratio Stability (σ) 0.35
Balance Sheet
Weight: 25%
B-
69
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.07x
- Interest Coverage (EBIT/Int) 8.44x
Stability
Weight: 10%
D
37
- EPS Volatility (σ/μ) 0.46
- Negative-Revenue Years (5) 4/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 2 added; 2 trimmed.
- Holders
- 5 +1
- Avg Δ position
- +5.2%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +36%
- Greenblatt decreased -8%
- Dalio decreased -7%