$94.17

+0.11 (+0.12%)

Weekly Expected Move ±3.7%

$87 $91 $94 $98 $101

NYSE · Financial Services · Asset Management · Tech Score Buy · Power 64 · $3.4B mcap · 35M float · 1.34% daily turnover · Short 52% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

47.7 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 49.4%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. AAMI shows a Weak competitive edge (47.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 49.4% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$80

Low

$88

Avg Target

$95

High

Based on 2 analysts since Jul 30, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$85.00

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-25	Morgan Stanley	—	$81	$95	+14	+1.8%	$93.32
2026-07-31	RBC Capital	—	$72	$80	+8	-5.6%	$84.76
2026-07-29	Morgan Stanley	—	$78	$81	+3	-1.8%	$82.50
2026-07-10	Evercore ISI	—	$80	$84	+4	+2.3%	$82.11
2026-07-02	RBC Capital	—	$66	$72	+6	+0.0%	$71.98
2026-06-26	Morgan Stanley	—	$60	$78	+18	+8.1%	$72.16
2026-06-08	Evercore ISI	—	$60	$80	+20	+4.4%	$76.63
2026-05-20	RBC Capital	Kenneth Lee	$60	$66	+6	-3.1%	$68.11
2026-04-28	Morgan Stanley	Michael Cyprys	$50	$60	+10	-10.3%	$66.86
2026-04-21	RBC Capital	Kenneth Lee	$27	$60	+33	-10.0%	$66.70
2026-04-10	Evercore ISI	—	$52	$60	+8	-2.6%	$61.63
2026-02-03	Morgan Stanley	—	$49	$50	+1	-9.7%	$55.39
2025-12-17	Morgan Stanley	Michael Cyprys	$43	$49	+6	+1.6%	$48.21
2025-11-06	Evercore ISI	Glenn Schorr	$55	$52	-3	+19.6%	$43.48
2025-10-31	Evercore ISI	—	$48	$55	+7	+12.7%	$48.82
2025-10-06	Morgan Stanley	—	$27	$43	+16	-7.0%	$46.24
2025-09-05	Evercore ISI	Glenn Schorr	Initiated	$48	—	+8.0%	$44.46
2025-05-06	Morgan Stanley	Michael Cyprys	Initiated	$27	—	-6.7%	$28.94
2025-02-04	RBC Capital	Kenneth Lee	Initiated	$27	—	+13.6%	$23.76

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. AAMI receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-07-22	B+	B
2026-07-01	B	B+
2026-04-21	B+	B
2026-04-01	B	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 60 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. AAMI scores highest in Growth (92/100) and lowest in Cash Flow (33/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

3.63

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✗ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-1.75

Possible Manipulator

Ohlson O-Score

-4.97

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

A-

Score: 66.5/100

Trend: Deteriorating

Earnings Quality

50/100

OCF/NI: 0.59x

Accruals: 5.5%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. AAMI scores 3.63, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. AAMI scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. AAMI's score of -1.75 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. AAMI's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. AAMI receives an estimated rating of A- (score: 66.5/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). AAMI's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

33.16x

PEG

1.91x

P/S

4.75x

P/B

36.44x

P/FCF

58.70x

P/OCF

42.91x

EV/EBITDA

13.87x

EV/Revenue

3.89x

EV/EBIT

15.05x

EV/FCF

63.13x

Earnings Yield

3.97%

FCF Yield

1.70%

Shareholder Yield

1.12%

Graham Number

$12.83

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 33.2x earnings, AAMI commands a growth premium. Graham's intrinsic value formula yields $12.83 per share, 634% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.619

NI / EBT

Interest Burden

0.898

EBT / EBIT

EBIT Margin

0.258

EBIT / Rev

Asset Turnover

0.924

Rev / Assets

Equity Multiplier

15.111

Assets / Equity

ROE

200.4%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. AAMI's ROE of 200.4% is driven by financial leverage (equity multiplier: 15.11x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$109.35

Price/Value

0.65x

Margin of Safety

34.60%

Premium

-34.60%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with AAMI's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. AAMI actually compounded EPS at 19.2% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. AAMI trades at a -35% premium to its adjusted intrinsic value of $109.35, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 33.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$94.17

Median 1Y

$119.09

5th Pctile

$60.93

95th Pctile

$232.86

Ann. Volatility

44.2%

Analyst Target

$85.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

396

+3.4% YoY

Revenue / Employee

$1,500,758

Rev: $594,300,000

Profit / Employee

$202,020

NI: $80,000,000

SGA / Employee

$232,323

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	1.7%	5.8%	7.1%	81.0%	21.3%	-5.1%	-1.7%	-2.1%	-4.6%	7.1%	-4.5%	-5.0%	26.1%	2.8%	—	-8.3%	70.2%	2.0%	1.7%	2.0%	2.00%
ROA	60.5%	79.1%	85.5%	28.8%	9.4%	16.3%	17.1%	13.8%	14.3%	11.6%	12.5%	12.5%	11.8%	12.9%	14.8%	14.9%	13.4%	11.6%	12.1%	13.3%	13.26%
ROIC	58.7%	51.7%	45.3%	51.0%	53.9%	53.2%	36.3%	32.5%	34.1%	30.7%	26.0%	27.6%	26.9%	35.1%	31.3%	36.3%	43.3%	42.9%	42.5%	49.4%	49.37%
ROCE	25.0%	29.9%	55.5%	53.4%	43.0%	34.2%	34.3%	26.5%	24.5%	20.4%	27.3%	26.0%	28.7%	28.4%	30.9%	31.1%	24.2%	32.4%	47.1%	31.9%	31.92%
Gross Margin	43.0%	43.9%	58.3%	71.7%	59.8%	58.5%	45.8%	48.4%	49.9%	48.6%	44.9%	42.8%	43.3%	54.6%	48.7%	33.1%	37.6%	2.0%	95.3%	95.7%	95.74%
Operating Margin	24.3%	29.8%	38.5%	48.9%	34.7%	39.0%	21.6%	21.2%	28.1%	27.1%	21.7%	18.9%	21.9%	38.7%	26.6%	12.7%	18.4%	43.4%	25.1%	20.6%	20.59%
Net Margin	1.9%	24.1%	21.2%	29.9%	20.5%	24.8%	13.1%	11.8%	18.3%	17.4%	13.8%	10.1%	13.7%	25.3%	16.8%	7.9%	10.5%	17.1%	14.5%	14.2%	14.20%
EBITDA Margin	58.6%	43.0%	40.3%	53.8%	39.4%	43.3%	28.1%	27.8%	34.3%	33.5%	29.7%	25.1%	30.5%	40.0%	34.3%	26.0%	29.9%	31.7%	26.7%	24.0%	23.97%
FCF Margin	-0.4%	-5.1%	-4.0%	-8.8%	4.4%	24.1%	20.1%	19.0%	15.5%	12.8%	11.6%	12.9%	22.8%	9.1%	7.2%	9.8%	-7.3%	-2.3%	-1.4%	6.2%	6.16%
OCF Margin	2.5%	-2.2%	-1.1%	-5.5%	8.0%	28.0%	24.3%	23.0%	18.9%	16.0%	14.3%	15.3%	25.1%	11.0%	9.1%	11.8%	-5.4%	-0.3%	0.6%	8.4%	8.42%
ROA 3Y Avg	snapshot only																				12.64%
ROIC 3Y Avg	snapshot only																				27.28%
ROIC Economic	snapshot only																				41.94%
Cash ROA	snapshot only																				6.94%
Cash ROIC	snapshot only																				20.88%
CROIC	snapshot only																				15.27%
NOPAT Margin	snapshot only																				19.91%
Pretax Margin	snapshot only																				23.20%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				6.78%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	2.19	1.93	1.32	2.37	5.74	8.74	11.29	12.43	11.21	11.94	13.23	12.44	14.68	11.64	10.67	14.12	19.63	21.03	23.14	25.18	33.158
P/S Ratio	4.00	3.05	2.08	1.56	1.37	2.11	2.53	2.24	1.97	1.84	2.05	1.87	2.04	1.96	1.86	2.35	3.08	2.83	3.04	3.61	4.750
P/B Ratio	1.99	-90.86	-11.16	-10.71	-11.40	-40.71	-115.27	240.54	35.93	19.54	-41.71	-27.46	-53.55	49.46	44.51	137.47	84.50	27.77	25.14	27.75	36.440
P/FCF	-981.53	-60.12	-51.53	-17.73	31.41	8.73	12.58	11.79	12.66	14.42	17.71	14.51	8.95	21.55	25.83	23.86	-42.15	-121.05	-209.49	58.70	58.696
P/OCF	158.78	—	—	—	17.11	7.53	10.41	9.75	10.40	11.50	14.41	12.22	8.15	17.73	20.38	19.98	—	—	487.06	42.91	42.912
EV/EBITDA	2.75	8.08	6.24	4.53	4.50	6.09	7.82	8.13	7.30	7.39	8.78	8.26	8.88	7.56	7.31	8.56	10.53	10.49	11.70	13.87	13.870
EV/Revenue	2.30	3.47	2.74	2.19	1.98	2.68	3.24	2.86	2.49	2.31	2.77	2.55	2.66	2.44	2.44	2.85	3.47	3.20	3.37	3.89	3.888
EV/EBIT	2.90	8.97	6.89	4.99	5.01	6.78	8.73	9.19	8.25	8.49	10.09	9.54	10.24	8.52	8.16	9.48	11.60	11.55	12.80	15.05	15.047
EV/FCF	-564.80	-68.40	-67.97	-24.89	45.22	11.12	16.14	15.06	16.01	18.08	23.88	19.78	11.64	26.93	33.86	28.92	-47.52	-136.99	-232.66	63.13	63.130
Earnings Yield	45.7%	51.8%	75.5%	42.2%	17.4%	11.4%	8.9%	8.0%	8.9%	8.4%	7.6%	8.0%	6.8%	8.6%	9.4%	7.1%	5.1%	4.8%	4.3%	4.0%	3.97%
FCF Yield	-0.1%	-1.7%	-1.9%	-5.6%	3.2%	11.5%	7.9%	8.5%	7.9%	6.9%	5.6%	6.9%	11.2%	4.6%	3.9%	4.2%	-2.4%	-0.8%	-0.5%	1.7%	1.70%
PEG Ratio	snapshot only																				1.911
Price/Tangible Book	snapshot only																				27.753
EV/OCF	snapshot only																				46.154
EV/Gross Profit	snapshot only																				3.455
Acquirers Multiple	snapshot only																				13.997
Shareholder Yield	snapshot only																				1.12%
Graham Number	snapshot only																				$12.83

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	11.93	11.68	1.78	2.67	3.82	6.84	2.29	2.73	6.57	7.01	2.16	2.87	1.49	1.39	1.45	1.48	4.92	1.67	0.89	0.98	0.975
Quick Ratio	11.93	11.68	1.78	2.67	3.82	6.84	2.29	2.73	6.57	7.01	2.16	2.87	1.49	1.39	1.45	1.48	4.92	1.67	0.89	0.98	0.975
Debt/Equity	0.47	-26.85	-4.47	-5.63	-6.85	-16.17	-50.30	104.73	15.75	8.61	-19.24	-12.31	-19.09	17.08	19.35	38.95	16.51	5.33	4.45	2.80	2.799
Net Debt/Equity	-0.85	—	—	—	—	—	—	66.68	9.50	4.96	—	—	—	12.34	13.84	29.14	10.76	3.66	2.78	2.10	2.097
Debt/Assets	0.27	0.66	0.89	0.84	0.80	0.67	0.80	0.69	0.65	0.57	0.77	0.71	0.62	0.49	0.62	0.53	0.45	0.48	0.48	0.30	0.301
Debt/EBITDA	1.12	2.10	1.89	1.69	1.88	1.90	2.66	2.77	2.53	2.60	3.00	2.72	2.43	2.09	2.42	2.00	1.83	1.78	1.86	1.30	1.301
Net Debt/EBITDA	-2.03	0.98	1.51	1.30	1.38	1.31	1.72	1.76	1.53	1.50	2.27	2.20	2.05	1.51	1.73	1.50	1.19	1.22	1.16	0.97	0.974
Interest Coverage	17.08	8.18	8.33	9.08	8.20	8.06	7.80	6.34	6.40	5.92	6.14	6.17	6.24	7.48	8.08	8.42	8.77	7.60	8.33	9.81	9.812
Equity Multiplier	1.70	-40.61	-5.05	-6.74	-8.62	-24.01	-62.76	150.89	24.15	15.21	-25.11	-17.31	-31.02	35.16	31.21	73.08	36.83	11.17	9.23	9.31	9.314
Cash Ratio	snapshot only																				0.227
Debt Service Coverage	snapshot only																				10.645
Cash to Debt	snapshot only																				0.251
FCF to Debt	snapshot only																				0.169
Defensive Interval	snapshot only																				169.6 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.33	0.50	0.55	0.44	0.39	0.68	0.76	0.77	0.81	0.75	0.81	0.83	0.85	0.77	0.85	0.89	0.86	0.86	0.92	0.92	0.924
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	5.04	3.91	4.48	4.66	4.48	2.88	3.70	4.21	4.29	3.21	4.02	4.48	4.21	3.28	4.14	4.55	4.33	3.46	3.98	4.18	4.182
Payables Turnover	11.53	48.65	12.67	9.28	8.44	31.92	7.76	4.86	8.67	31.99	10.53	5.93	8.39	33.30	10.85	9.36	6.66	0.48	-0.28	-1.10	—
DSO	72	93	81	78	81	127	99	87	85	114	91	81	87	111	88	80	84	105	92	87	87.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—	—
DPO	32	8	29	39	43	11	47	75	42	11	35	62	43	11	34	39	55	754	—	—	—
Cash Conversion Cycle	41	86	53	39	38	115	51	11	43	102	56	20	43	100	54	41	29	-648	—	—	—
Fixed Asset Turnover	snapshot only																				15.910
Cash Velocity	snapshot only																				10.935
Capital Intensity	snapshot only																				1.213

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-10.7%	-9.0%	-2.3%	-11.1%	-15.2%	-20.4%	-24.6%	-18.6%	-8.6%	2.3%	11.0%	14.0%	12.2%	18.5%	18.0%	18.8%	19.3%	17.5%	23.4%	31.3%	31.25%
Net Income	5.3%	1.9%	1.9%	-59.6%	-88.9%	-87.9%	-89.2%	-77.7%	-32.9%	-34.6%	-23.0%	-5.0%	-11.0%	29.2%	32.3%	31.8%	34.5%	-5.9%	-7.0%	13.2%	13.17%
EPS	5.1%	2.8%	4.3%	-21.2%	-78.2%	-82.2%	-88.6%	-77.8%	-33.3%	-31.7%	-17.2%	5.9%	0.3%	41.3%	40.6%	40.3%	41.9%	-1.2%	-2.9%	13.8%	13.80%
FCF	-1.0%	-1.4%	-1.3%	-1.8%	10.1%	4.8%	4.8%	2.8%	2.2%	-45.9%	-35.9%	-22.8%	64.8%	-15.8%	-26.8%	-9.1%	-1.4%	-1.3%	-1.2%	-17.9%	-17.92%
EBITDA	95.8%	-47.0%	-47.3%	-46.0%	-55.6%	-18.3%	-28.8%	-40.6%	-29.0%	-27.5%	-15.5%	-0.2%	-1.5%	22.6%	24.7%	28.2%	31.4%	10.9%	6.8%	10.6%	10.61%
Op. Income	-31.8%	-5.4%	15.8%	18.2%	24.0%	15.2%	-7.7%	-29.3%	-29.8%	-36.9%	-24.5%	-7.5%	-10.3%	27.8%	32.4%	28.2%	31.7%	20.1%	19.6%	40.0%	40.04%
OCF Growth	snapshot only																				-6.00%
Asset Growth	snapshot only																				27.46%
Equity Growth	snapshot only																				9.00%
Debt Growth	snapshot only																				-28.13%
Shares Change	snapshot only																				-0.56%
Dividend Growth	snapshot only																				4.30%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	-17.6%	-17.4%	-15.9%	-17.1%	-17.9%	-20.2%	-19.4%	-16.2%	-11.5%	-9.5%	-6.5%	-6.2%	-4.6%	-1.2%	-0.4%	3.3%	6.9%	12.5%	17.4%	21.1%	21.12%
Revenue 5Y	-3.4%	-4.6%	-5.8%	-8.8%	-11.1%	-14.0%	-15.9%	-16.1%	-15.4%	-14.4%	-13.0%	-12.0%	-10.7%	-9.2%	-7.3%	-4.4%	-1.5%	0.6%	3.6%	5.2%	5.16%
EPS 3Y	1.7%	1.2%	1.4%	63.7%	9.1%	-2.6%	-4.6%	-11.5%	-3.8%	-22.9%	-20.4%	-43.0%	-47.4%	-44.4%	-49.0%	-30.9%	-1.7%	-1.6%	4.2%	19.2%	19.15%
EPS 5Y	59.4%	65.4%	77.9%	55.3%	29.3%	1.3%	41.5%	44.1%	23.2%	4.4%	5.0%	0.6%	-2.8%	-2.3%	0.2%	0.6%	4.9%	-8.5%	-7.2%	-21.6%	-21.60%
Net Income 3Y	1.5%	82.4%	84.3%	26.7%	-15.2%	-23.4%	-24.2%	-28.4%	-22.3%	-38.8%	-37.6%	-55.9%	-59.6%	-53.2%	-52.1%	-34.7%	-7.1%	-7.4%	-1.8%	12.3%	12.30%
Net Income 5Y	48.2%	45.6%	47.8%	28.0%	6.9%	88.7%	17.2%	19.6%	2.6%	-13.6%	-12.3%	-15.5%	-18.3%	-17.6%	-15.0%	-14.4%	-10.9%	-22.5%	-21.4%	-33.8%	-33.76%
EBITDA 3Y	25.2%	7.5%	8.4%	3.2%	-7.9%	-16.3%	-12.4%	-16.8%	-14.9%	-32.0%	-31.8%	-31.6%	-32.3%	-10.1%	-9.1%	-8.8%	-2.8%	-0.4%	4.0%	12.3%	12.27%
EBITDA 5Y	18.5%	4.1%	5.6%	9.5%	9.8%	-0.1%	-7.4%	-9.8%	-9.2%	-5.9%	-5.2%	-8.2%	-11.4%	-12.2%	-6.7%	-5.9%	-4.4%	-15.6%	-15.8%	-14.6%	-14.62%
Gross Profit 3Y	2.7%	1.2%	-3.6%	-6.1%	-9.7%	-13.9%	-15.9%	-16.6%	-14.1%	-10.5%	-5.1%	-5.6%	-4.4%	0.0%	0.3%	-1.4%	-1.4%	28.9%	40.7%	55.3%	55.28%
Gross Profit 5Y	-2.2%	-2.1%	-0.5%	2.1%	5.1%	5.0%	2.3%	-0.2%	-0.8%	-2.3%	-5.2%	-7.3%	-9.6%	-9.9%	-8.7%	-7.7%	-6.1%	14.0%	21.5%	25.9%	25.87%
Op. Income 3Y	19.1%	20.3%	7.4%	2.0%	-4.9%	-12.5%	-14.8%	-18.3%	-16.0%	-11.7%	-6.9%	-8.2%	-7.9%	-2.4%	-2.6%	-5.7%	-6.1%	-1.0%	6.1%	18.4%	18.40%
Op. Income 5Y	-3.9%	-1.3%	2.5%	9.3%	17.5%	18.8%	14.6%	9.4%	8.0%	4.8%	-2.9%	-7.0%	-11.6%	-11.6%	-9.2%	-8.4%	-6.9%	1.1%	5.0%	6.8%	6.77%
FCF 3Y	—	—	—	—	—	—	-3.2%	-21.5%	-15.8%	-5.5%	-14.0%	1.5%	—	—	—	—	—	—	—	-16.8%	-16.79%
FCF 5Y	—	—	—	—	-39.0%	-13.8%	-16.3%	-20.7%	-18.3%	-20.5%	—	—	—	—	-15.7%	-19.4%	—	—	—	-4.9%	-4.86%
OCF 3Y	-59.0%	—	—	—	—	—	-7.2%	-21.4%	-16.8%	-9.0%	-15.4%	-2.2%	1.1%	—	—	—	—	—	-65.4%	-13.3%	-13.30%
OCF 5Y	-35.7%	—	—	—	-31.9%	-12.3%	-14.2%	-18.6%	-16.7%	-18.8%	—	—	—	—	-17.0%	-19.6%	—	—	-47.8%	-4.2%	-4.24%
Assets 3Y	5.5%	-22.8%	-28.6%	-30.5%	-30.8%	-28.5%	-27.3%	-26.8%	-26.9%	-23.8%	-27.6%	-32.7%	-33.0%	-0.5%	11.1%	12.0%	16.5%	9.3%	9.4%	15.4%	15.35%
Assets 5Y	6.7%	-11.2%	-17.3%	-17.9%	-19.9%	-19.0%	-17.6%	-17.9%	-18.9%	-17.0%	-16.7%	-17.9%	-17.3%	-13.1%	-13.8%	-13.9%	-11.9%	-13.3%	-13.0%	-13.3%	-13.29%
Equity 3Y	1.2%	—	—	—	—	—	—	-62.9%	-41.0%	-49.0%	—	—	—	—	—	—	—	—	—	1.9%	1.92%
Book Value 3Y	1.4%	—	—	—	—	—	—	-54.2%	-26.9%	-35.7%	—	—	—	—	—	—	—	—	—	2.1%	2.10%
Dividend 3Y	-39.0%	-23.5%	16.2%	11.1%	3.1%	-5.3%	9.9%	10.4%	23.8%	49.3%	27.5%	32.2%	24.8%	7.9%	4.4%	3.5%	3.4%	6.2%	55.2%	84.6%	84.61%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.13	0.21	0.40	0.69	0.85	0.92	0.96	0.98	0.92	0.89	0.84	0.83	0.78	0.64	0.55	0.34	0.09	0.01	0.17	0.23	0.232
Earnings Stability	0.48	0.67	0.66	0.45	0.19	0.23	0.20	0.06	0.01	0.00	0.00	0.06	0.06	0.15	0.13	0.32	0.21	0.35	0.33	0.60	0.598
Margin Stability	0.72	0.75	0.80	0.76	0.71	0.69	0.69	0.71	0.70	0.71	0.79	0.85	0.88	0.87	0.90	0.92	0.89	0.68	0.61	0.52	0.522
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	1.00	1.000
FCF Positive Streak	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	0	0	0	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.87	0.86	0.91	0.98	0.96	0.88	0.87	0.87	0.86	0.98	0.97	0.95	0.947
Earnings Smoothness	0.00	0.03	0.02	0.15	0.00	0.00	0.00	0.00	0.61	0.58	0.74	0.95	0.88	0.75	0.72	0.73	0.71	0.94	0.93	0.88	0.876
ROE Trend	-2.90	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-1.62	—	—	—
Gross Margin Trend	-0.04	-0.04	-0.02	0.02	0.06	0.14	0.13	0.04	0.01	-0.05	-0.05	-0.06	-0.09	-0.08	-0.05	-0.04	-0.04	0.45	0.54	0.66	0.664
FCF Margin Trend	0.01	-0.00	-0.17	-0.25	-0.04	0.21	0.15	0.18	0.14	0.03	0.04	0.08	0.13	-0.09	-0.09	-0.06	-0.27	-0.13	-0.11	-0.05	-0.052
Sustainable Growth Rate	1.6%	5.8%	7.1%	80.5%	20.9%	—	—	—	—	6.9%	—	—	25.5%	2.8%	—	—	69.1%	1.9%	1.6%	1.8%	1.85%
Internal Growth Rate	1.5%	3.7%	5.8%	40.2%	10.2%	19.2%	20.1%	15.6%	16.2%	12.7%	14.0%	13.9%	13.0%	14.6%	17.0%	17.1%	15.2%	12.8%	12.9%	13.9%	13.93%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.01	-0.01	-0.01	-0.08	0.34	1.16	1.08	1.28	1.08	1.04	0.92	1.02	1.80	0.66	0.52	0.71	-0.34	-0.03	0.05	0.59	0.587
FCF/OCF	-0.16	2.31	3.79	1.59	0.54	0.86	0.83	0.83	0.82	0.80	0.81	0.84	0.91	0.82	0.79	0.84	1.35	6.95	-2.33	0.73	0.731
FCF/Net Income	snapshot only																				0.429
OCF/EBITDA	snapshot only																				0.301
CapEx/Revenue	2.9%	2.9%	3.0%	3.3%	3.7%	3.9%	4.2%	4.0%	3.4%	3.2%	2.7%	2.4%	2.2%	2.0%	1.9%	1.9%	1.9%	2.0%	2.1%	2.3%	2.27%
CapEx/Depreciation	snapshot only																				1.032
Accruals Ratio	0.60	0.80	0.86	0.31	0.06	-0.03	-0.01	-0.04	-0.01	-0.00	0.01	-0.00	-0.09	0.04	0.07	0.04	0.18	0.12	0.12	0.05	0.055
Sloan Accruals	snapshot only																				-0.125
Cash Flow Adequacy	snapshot only																				2.490
Earnings Quality Score	snapshot only																				0.500

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.2%	0.2%	0.2%	0.3%	0.3%	0.1%	0.2%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.2%	0.3%	0.33%
Dividend/Share	$0.04	$0.05	$0.05	$0.05	$0.04	$0.03	$0.04	$0.04	$0.04	$0.05	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.13	$0.22	$0.31
Payout Ratio	0.3%	0.4%	0.3%	0.7%	1.6%	1.2%	1.8%	2.1%	2.3%	3.0%	2.3%	2.4%	2.3%	1.8%	1.7%	1.7%	1.6%	1.9%	5.6%	7.8%	7.79%
FCF Payout Ratio	—	—	—	—	8.5%	1.2%	2.0%	2.0%	2.6%	3.7%	3.1%	2.7%	1.4%	3.3%	4.0%	2.8%	—	—	—	18.2%	18.16%
Total Payout Ratio	1.4%	1.4%	1.5%	3.8%	11.2%	1.0%	1.8%	2.1%	2.3%	8.1%	1.2%	1.5%	1.6%	1.2%	52.0%	58.6%	59.2%	62.9%	48.0%	28.3%	28.30%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	-0.82	-0.73	-0.27	-0.36	-0.48	-0.58	-0.33	-0.28	0.00	0.67	0.00	0.07	-0.12	-0.25	-0.06	-0.06	-0.07	0.00	2.14	4.27	4.270
Buyback Yield	0.5%	70.1%	1.1%	1.6%	2.0%	11.7%	0.0%	0.0%	0.0%	0.4%	8.6%	11.6%	10.8%	10.3%	4.7%	4.0%	2.9%	2.9%	1.8%	0.8%	0.81%
Net Buyback Yield	0.5%	70.0%	1.1%	1.6%	1.9%	11.7%	0.0%	0.0%	0.0%	0.4%	8.6%	11.6%	10.8%	10.3%	4.7%	4.0%	2.9%	2.9%	1.8%	0.8%	0.81%
Total Shareholder Return	0.6%	70.2%	1.1%	1.6%	1.9%	11.9%	0.2%	0.2%	0.2%	0.7%	8.8%	11.8%	11.0%	10.5%	4.9%	4.2%	3.0%	3.0%	2.1%	1.1%	1.12%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	2.45	4.65	4.49	1.68	0.69	0.69	0.69	0.69	0.69	0.68	0.68	0.67	0.64	0.68	0.67	0.63	0.59	0.56	0.57	0.62	0.619
Interest Burden (EBT/EBIT)	0.94	0.88	0.88	0.89	0.88	0.88	0.87	0.84	0.84	0.83	0.84	0.84	0.84	0.87	0.88	0.88	0.89	0.87	0.88	0.90	0.898
EBIT Margin	0.79	0.39	0.40	0.44	0.39	0.40	0.37	0.31	0.30	0.27	0.27	0.27	0.26	0.29	0.30	0.30	0.30	0.28	0.26	0.26	0.258
Asset Turnover	0.33	0.50	0.55	0.44	0.39	0.68	0.76	0.77	0.81	0.75	0.81	0.83	0.85	0.77	0.85	0.89	0.86	0.86	0.92	0.92	0.924
Equity Multiplier	2.73	7.35	8.29	2.81	2.26	-31.47	-9.76	-15.40	-31.92	60.76	-35.88	-40.27	221.64	21.84	—	-55.81	522.64	17.12	14.04	15.11	15.111

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$11.86	$13.17	$18.21	$7.56	$2.58	$2.34	$2.08	$1.68	$1.72	$1.60	$1.72	$1.78	$1.73	$2.26	$2.42	$2.50	$2.45	$2.23	$2.35	$2.84	$2.84
Book Value/Share	$13.02	$-0.28	$-2.16	$-1.67	$-1.30	$-0.50	$-0.20	$0.09	$0.54	$0.98	$-0.55	$-0.81	$-0.47	$0.53	$0.58	$0.26	$0.57	$1.69	$2.16	$2.58	$3.74
Tangible Book/Share	$12.78	$-0.60	$-2.61	$-2.15	$-1.78	$-0.98	$-0.68	$-0.39	$0.06	$0.48	$-1.06	$-1.34	$-1.01	$-0.01	$0.04	$-0.31	$0.00	$1.69	$2.16	$2.58	$2.58
Revenue/Share	$6.48	$8.33	$11.61	$11.49	$10.80	$9.72	$9.29	$9.32	$9.82	$10.37	$11.09	$11.85	$12.41	$13.45	$13.91	$14.99	$15.62	$16.60	$17.92	$19.79	$19.84
FCF/Share	$-0.03	$-0.42	$-0.47	$-1.01	$0.47	$2.35	$1.87	$1.77	$1.53	$1.32	$1.29	$1.52	$2.83	$1.22	$1.00	$1.48	$-1.14	$-0.39	$-0.26	$1.22	$1.22
OCF/Share	$0.16	$-0.18	$-0.12	$-0.64	$0.87	$2.72	$2.25	$2.14	$1.86	$1.66	$1.58	$1.81	$3.11	$1.48	$1.27	$1.76	$-0.84	$-0.06	$0.11	$1.67	$1.67
Cash/Share	$17.09	$4.01	$1.96	$2.17	$2.39	$2.52	$3.61	$3.30	$3.36	$3.57	$2.57	$1.87	$1.42	$2.52	$3.20	$2.51	$3.28	$2.83	$3.60	$1.81	$1.81
EBITDA/Share	$5.43	$3.58	$5.10	$5.55	$4.74	$4.28	$3.85	$3.28	$3.35	$3.24	$3.50	$3.65	$3.71	$4.35	$4.64	$4.99	$5.15	$5.07	$5.17	$5.55	$5.55
Debt/Share	$6.07	$7.51	$9.65	$9.40	$8.92	$8.14	$10.25	$9.09	$8.47	$8.42	$10.51	$9.92	$9.04	$9.09	$11.23	$9.98	$9.41	$9.02	$9.62	$7.21	$7.21
Net Debt/Share	$-11.01	$3.50	$7.69	$7.23	$6.52	$5.61	$6.64	$5.78	$5.11	$4.85	$7.94	$8.04	$7.63	$6.56	$8.03	$7.47	$6.13	$6.19	$6.02	$5.40	$5.40

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.634
Altman Z-Prime	snapshot only																				5.082
Piotroski F-Score	5	6	5	4	5	5	6	5	5	6	5	6	6	7	7	6	6	6	6	6	6
Beneish M-Score	-0.28	3.35	4.90	0.73	-1.93	-3.11	-2.62	-2.51	-2.27	-2.16	-2.11	-2.09	-2.57	-1.94	-1.97	-1.90	-1.32	-2.20	-1.65	-1.75	-1.750
Ohlson O-Score	snapshot only																				-4.973
ROIC (Greenblatt)	snapshot only																				4.88%
Net-Net WC	snapshot only																				$-12.48
EVA	snapshot only																				$112165888.83

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A-
Credit Score	83.88	65.57	20.00	20.00	20.00	71.85	69.62	63.04	72.04	63.32	58.75	63.08	64.71	63.31	61.32	67.86	74.33	67.72	60.75	66.47	66.475
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-1.386
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				58
Sector Credit Rank	snapshot only																				57

AAMI NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

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