Profitability
Weight: 25%
C-
50
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -3.54 pp/yr
MS
Morgan Stanley
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A
89
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.7%
- 5yr Share-Count CAGR -3.2%
Growth Quality
Weight: 10%
A-
86
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 20.8%
- 5yr EPS CAGR 6.2%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
F
15
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.20x
Balance Sheet
Weight: 30%
C-
46
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 7.9%
- Interest Coverage (EBIT/Int) 0.45x
Stability
Weight: 10%
C+
60
- EPS Volatility (σ/μ) 0.41
- Piotroski F-Score 5
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed.
- Holders
- 4
- Avg Δ position
- -21.2%
- New buys
- 0
- Full exits
- 0