Profitability
Weight: 25%
A
91.4
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 12.9% 100/100
- Operating Margin Trend +0.54 pp/yr 71/100
CRVL - CorVel Corporation
Price:
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AlphaQuality
Quantitative six-pillar business-quality grade
Banks, Insurers & Asset Managers
AlphaQuality — archetype-weighted quantitative grade
A
89.9 / 100 composite
Capital Efficiency
Weight: 20%
A+
94.7
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 21.0% 100/100
- 5yr Share-Count CAGR -1.3% 82/100
Growth Quality
Weight: 10%
B-
62.1
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 0.0% 25/100
- 5yr EPS CAGR 15.1% 88/100
- Positive-EPS Years (5) 5/5 100/100
Cash Generation
Weight: 5%
A
90.0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 283.08x 90/100
Balance Sheet
Weight: 30%
A+
100.0
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 61.3% 100/100
- Interest Coverage (EBIT/Int) 30.00x 100/100
Stability
Weight: 10%
B+
75.3
- EPS Volatility (σ/μ) 0.28 60/100
- Piotroski F-Score 7 78/100
- Negative-Revenue Years (5) 0/5 100/100
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 2 trimmed.
- Holders
- 3
- Avg Δ position
- -3.0%
- New buys
- 0
- Full exits
- 0
- Wood increased +24%
- Greenblatt decreased -23%
- Cooperman decreased -10%
How this is calculated
AlphaQuality grades six pillars from 0-100 and weights each by archetype:
- Profitability (25%) — 5yr Avg ROA, Operating Margin Trend
- Capital Efficiency (20%) — 5yr Avg ROTCE, 5yr Share-Count CAGR
- Growth Quality (10%) — 5yr BVPS CAGR, 5yr EPS CAGR, Positive-EPS Years (5)
- Cash Generation (5%) — 5yr OCF/NI
- Balance Sheet (30%) — Equity / Assets, Interest Coverage (EBIT/Int)
- Stability (10%) — EPS Volatility (σ/μ), Piotroski F-Score, Negative-Revenue Years (5)
We deliberately ignore stock price, analyst targets, and consensus ratings so the grade is suitable for backtesting forward returns. A minimum of 5 fiscal years of audited statements is required; distressed and highly leveraged infrastructure businesses are declared ungradable rather than forced into a numeric score.