Profitability
Weight: 25%
D
35
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 70.2%
AMBC
Ambac Financial Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
20
- 5yr Avg ROE -12.2%
- 5yr Share-Count CAGR 0.4%
Growth Quality
Weight: 10%
F
22
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -6.9%
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
0
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -7.4%
Balance Sheet
Weight: 25%
B+
78
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.09x
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
F
23
- EPS Volatility (σ/μ) 0.95
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 2
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.0 of 2 gurus held; 2 full exits.
- Holders
- 0 -2
- Avg Δ position
- —
- New buys
- 0
- Full exits
- 2