Profitability
Weight: 25%
A
92
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 2.2%
- Operating Margin Trend +0.62 pp/yr
AIZ
Assurant, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
86
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 13.3%
- 5yr Share-Count CAGR -4.4%
Growth Quality
Weight: 10%
A+
95
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 18.8%
- 5yr EPS CAGR 14.3%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
95
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.67x
Balance Sheet
Weight: 30%
A+
93
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 16.2%
- Interest Coverage (EBIT/Int) 10.91x
Stability
Weight: 10%
C+
61
- EPS Volatility (σ/μ) 0.52
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 2 trimmed; 1 full exit.
- Holders
- 3
- Avg Δ position
- -39.7%
- New buys
- 0
- Full exits
- 1