Profitability
Weight: 25%
A+
96
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 11.1%
- Operating Margin Trend +1.09 pp/yr
FDS
FactSet Research Systems Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A
90
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 21.9%
- 5yr Share-Count CAGR -0.1%
Growth Quality
Weight: 10%
C+
59
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 0.0%
- 5yr EPS CAGR 10.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.33x
Balance Sheet
Weight: 30%
A+
97
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 50.8%
- Interest Coverage (EBIT/Int) 13.80x
Stability
Weight: 10%
B
73
- EPS Volatility (σ/μ) 0.31
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 3 added; 1 full exit.
- Holders
- 3 -1
- Avg Δ position
- +41.2%
- New buys
- 0
- Full exits
- 1
- Dalio sold -100%
- Greenblatt increased +67%
- Wood increased +31%