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Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 8
HOLD 1
SELL 0
STRONG
SELL 0
| PRICE TARGET: $80.00 DETAILS
HIGH: $80.00
LOW: $80.00
MEDIAN: $80.00
CONSENSUS: $80.00
UPSIDE: 5.92%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

C 55.3 / 100 composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

Profitability

Weight: 25%
B- 65.0

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio 14.7% 100/100
  • Loss Ratio Trend +6.12 pp/yr 0/100
Contributes 16.2 pts toward composite.

Capital Efficiency

Weight: 15%
B- 65.7
  • 5yr Avg ROE 7.5% 47/100
  • 5yr Share-Count CAGR -10.5% 100/100
Contributes 9.9 pts toward composite.

Growth Quality

Weight: 10%
F 9.2

Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.

  • 5yr Premium CAGR -4.8% 10/100
  • Loss Ratio Trend (growth quality check) +6.12 pp/yr 0/100
  • Revenue-Growth Years (5) 1/5 20/100
Contributes 0.9 pts toward composite.

Cash Generation

Weight: 15%
C- 49.6

Scored using reserve development and loss-ratio stability — insurer-archetype substitution.

  • Loss Ratio Stability (σ) 0.35 50/100
Contributes 7.4 pts toward composite.

Balance Sheet

Weight: 25%
B- 68.8

Scored using premiums-to-surplus — insurer-archetype substitution.

  • Premiums / Surplus 0.07x 62/100
  • Interest Coverage (EBIT/Int) 8.44x 79/100
Contributes 17.2 pts toward composite.

Stability

Weight: 10%
D 37.3
  • EPS Volatility (σ/μ) 0.46 35/100
  • Negative-Revenue Years (5) 4/5 20/100
  • Piotroski F-Score 5 56/100
Contributes 3.7 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Holding

5 of 5 gurus held; 2 added; 2 trimmed.

Holders
5 +1
Avg Δ position
+5.2%
New buys
0
Full exits
0
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Loss Ratio, Loss Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (10%) — 5yr Premium CAGR, Loss Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Loss Ratio Stability (σ)
  • Balance Sheet (25%) — Premiums / Surplus, Interest Coverage (EBIT/Int)
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.