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STRONG
BUY 0
BUY 3
HOLD 3
SELL 0
STRONG
SELL 0
| PRICE TARGET: $14.00 DETAILS
HIGH: $14.00
LOW: $14.00
MEDIAN: $14.00
CONSENSUS: $14.00
UPSIDE: 185.13%
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.

⚠ 5 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.

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%
B- 65.0

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio 16.7% 100/100
  • Loss Ratio Trend +2.62 pp/yr 0/100
Contributes 16.2 pts toward composite.

Capital Efficiency

Weight: 15%
A+ 96.4
  • 5yr Share-Count CAGR -3.6% 96/100
Contributes 14.5 pts toward composite.

Growth Quality

Weight: 10%
F 8.0

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

  • 5yr Premium CAGR -15.9% 0/100
  • Loss Ratio Trend (growth quality check) +2.62 pp/yr 0/100
  • Revenue-Growth Years (5) 2/5 40/100
Contributes 0.8 pts toward composite.

Cash Generation

Weight: 15%
F 7.9

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

  • Loss Ratio Stability (σ) 0.80 8/100
Contributes 1.2 pts toward composite.

Balance Sheet

Weight: 25%
F 1.1

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

  • Interest Coverage (EBIT/Int) 0.08x 1/100
Contributes 0.3 pts toward composite.

Stability

Weight: 10%
C- 48.5
  • Negative-Revenue Years (5) 3/5 40/100
  • Piotroski F-Score 5 56/100
Contributes 4.8 pts toward composite.

Guru Flow

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

2 of 3 gurus held; 1 trimmed; 1 full exit.

Holders
2 -1
Avg Δ position
-36.9%
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 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%) — Interest Coverage (EBIT/Int)
  • Stability (10%) — 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.