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Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 1
BUY 11
HOLD 14
SELL 2
STRONG
SELL 0
| PRICE TARGET: $46.00 DETAILS
HIGH: $50.00
LOW: $44.00
MEDIAN: $44.00
CONSENSUS: $46.00
UPSIDE: 7.78%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

F 30.0 / 100 pillar 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.

⚠ 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 because hard gates always win. Use the pillar breakdown below to see where the underlying numbers sit.

Profitability

Weight: 25%
A- 85.0

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio -0.3% 100/100
  • Loss Ratio Trend -0.07 pp/yr 57/100
Contributes 21.3 pts toward composite.

Capital Efficiency

Weight: 15%
A- 82.4
  • 5yr Avg ROE 16.9% 85/100
  • 5yr Share-Count CAGR -0.9% 78/100
Contributes 12.4 pts toward composite.

Growth Quality

Weight: 10%
B+ 79.9

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

  • 5yr Premium CAGR 16.5% 93/100
  • Loss Ratio Trend (growth quality check) -0.07 pp/yr 57/100
  • Revenue-Growth Years (5) 4/5 80/100
Contributes 8.0 pts toward composite.

Cash Generation

Weight: 15%
F 17.6

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

  • Loss Ratio Stability (σ) 0.65 18/100
Contributes 2.6 pts toward composite.

Balance Sheet

Weight: 25%
A- 84.0

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

  • Premiums / Surplus 1.08x 92/100
  • Interest Coverage (EBIT/Int) 6.89x 73/100
Contributes 21.0 pts toward composite.

Stability

Weight: 10%
D+ 39.7
  • EPS Volatility (σ/μ) 0.60 22/100
  • Negative-Revenue Years (5) 1/5 80/100
  • Piotroski F-Score 3 33/100
Contributes 4.0 pts toward composite.

Guru Flow

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

4 of 5 gurus held; 1 added; 2 trimmed; 1 full exit.

Holders
4 -1
Avg Δ position
+72.3%
New buys
0
Full exits
1
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.