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DXBGY Dexia S.A.
Banks, Insurers & Asset Managers
F 30.0 / 100 pillar composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

⚠ 4 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.

Profitability

Weight: 25%
A+ 100

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2022) 38.4%
  • Efficiency Ratio Trend -36.64 pp/yr

Capital Efficiency

Weight: 15%
F 0
  • 5yr Avg ROE -6.4%

Growth Quality

Weight: 15%
B 71

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • Efficiency Ratio Trend (growth quality check) -36.64 pp/yr
  • Revenue-Growth Years (5) 1/5

Cash Generation

Weight: 15%
F 0

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.39

Balance Sheet

Weight: 20%
A- 81

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.4%

Stability

Weight: 10%
D- 30
  • Negative-Revenue Years (5) 3/5
  • Piotroski F-Score 2

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.