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AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

A- 80.7 / 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%
A 89.6

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 36.8% 100/100
  • Efficiency Ratio Trend -0.51 pp/yr 70/100
Contributes 22.4 pts toward composite.

Capital Efficiency

Weight: 15%
B+ 75.4
  • 5yr Avg ROE 16.1% 83/100
  • 5yr Share-Count CAGR 0.2% 62/100
Contributes 11.3 pts toward composite.

Growth Quality

Weight: 15%
A 88.1

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 18.2% 97/100
  • Efficiency Ratio Trend (growth quality check) -0.51 pp/yr 70/100
  • Revenue-Growth Years (5) 5/5 100/100
Contributes 13.2 pts toward composite.

Cash Generation

Weight: 15%
B 71.4

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.03 71/100
Contributes 10.7 pts toward composite.

Balance Sheet

Weight: 20%
A- 84.2

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 11.4% 84/100
Contributes 16.8 pts toward composite.

Stability

Weight: 10%
B- 62.5
  • EPS Volatility (σ/μ) 0.38 46/100
  • Negative-Revenue Years (5) 0/5 100/100
  • Piotroski F-Score 5 56/100
Contributes 6.3 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.

How this is calculated

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

  • Profitability (25%) — Efficiency Ratio (FY2025), Efficiency Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (15%) — 5yr Revenue CAGR, Efficiency Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Efficiency Ratio Stability (σ)
  • Balance Sheet (20%) — Equity / Assets
  • 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.