Profitability
Weight: 25%
A
93
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 4.6%
- Operating Margin Trend +0.71 pp/yr
LPLA
LPL Financial Holdings Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 20%
A-
87
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.1%
- 5yr Share-Count CAGR -0.8%
Growth Quality
Weight: 10%
A+
97
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 53.1%
- 5yr EPS CAGR 18.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
C+
61
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.71x
Balance Sheet
Weight: 30%
A-
86
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 28.9%
- Interest Coverage (EBIT/Int) 3.85x
Stability
Weight: 10%
D+
44
- EPS Volatility (σ/μ) 0.63
- Piotroski F-Score 3
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 6 gurus held; 2 trimmed; 4 full exits.
- Holders
- 2 -4
- Avg Δ position
- -30.0%
- New buys
- 0
- Full exits
- 4