$2.88

-0.01 (-0.17%)

Weekly Expected Move ±9.3%

$2 $3 $3 $3 $3

NYSE · Real Estate · REIT - Mortgage · Tech Score Sell · Power 39 · $538.2M mcap · 178M float · 2.81% daily turnover · Short 75% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $106.4M held by 106 funds, 626 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

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

54.5 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 4.9% · 5Y Avg: 4.0%

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. ABR shows a Weak competitive edge (54.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 4.9% suggests modest returns relative to capital deployed.

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

Low

Avg Target

High

Based on 2 analysts since Jul 31, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 6Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$4.25

Analysts2

Consensus Change History

Date	Field	From	To
2026-09-30	consensus	Buy	Hold

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-09	Piper Sandler	Crispin Love	$5	$4	-2	+13.3%	$3.09
2026-08-03	Piper Sandler	—	$6	$5	-0	-0.2%	$5.01
2026-07-02	Piper Sandler	Crispin Love	$8	$6	-2	+2.6%	$5.36
2025-12-22	Piper Sandler	—	$10	$8	-2	+0.4%	$7.97
2025-11-03	Piper Sandler	Crispin Love	$12	$10	-2	-0.9%	$10.09
2025-10-08	Piper Sandler	—	$12	$12	-1	-4.9%	$12.09
2024-09-19	Raymond James	Stephen Laws	$21	$16	-5	+6.5%	$15.03
2024-08-05	Piper Sandler	Crispin Love	$16	$12	-4	-5.7%	$13.26
2024-04-11	Wedbush	Jay McCanless	Initiated	$13	—	+5.3%	$12.34
2022-10-03	Piper Sandler	—	$17	$16	-0	+43.5%	$11.50
2022-08-01	JMP Securities	—	Initiated	$20	—	+20.3%	$16.62
2022-07-18	Raymond James	—	Initiated	$21	—	+51.8%	$13.83
2022-06-28	Piper Sandler	—	$20	$17	-3	+25.8%	$13.51
2022-05-08	Piper Sandler	Crispin Love	Initiated	$20	—	+17.9%	$16.96

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.

Oct 27, 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. ABR receives an overall rating of B. Strongest factors: DCF (5/5), P/B (5/5). Areas of concern: ROE (2/5), ROA (2/5), D/E (1/5), P/E (2/5).

Rating Change History

Date	From	To
2026-10-12	B+	B
2026-10-01	B-	B+
2026-07-31	B	B-
2026-07-25	B-	B
2026-07-20	B	B-
2026-04-28	B+	B
2026-04-01	B	B+
2026-03-02	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.

★ ★ ★ ★ ★ 40 Grade D

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. ABR scores highest in Earnings Quality (71/100) and lowest in Balance Sheet (14/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman Z-Score

0.17

Distress Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

65.79

Possible Manipulator

Ohlson O-Score

-5.16

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

CCC

Score: 17.9/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 5.40x

Accruals: -1.8%

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. ABR scores 0.17, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. 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. ABR 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. ABR's score of 65.79 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. ABR's implied 0.6% 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. ABR receives an estimated rating of CCC (score: 17.9/100), 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). ABR's score of 100/100 is high — cash flows strongly support reported earnings.

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

19.11x

PEG

-0.23x

P/S

0.45x

P/B

0.20x

P/FCF

3.64x

P/OCF

3.32x

EV/EBITDA

14.42x

EV/Revenue

9.87x

EV/EBIT

14.90x

EV/FCF

41.69x

Earnings Yield

5.58%

FCF Yield

27.45%

Shareholder Yield

30.94%

Graham Number

$9.95

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 19.1x earnings, ABR trades at a reasonable valuation. An earnings yield of 5.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $9.95 per share, suggesting a potential 245% margin of safety at 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

0.759

NI / EBT

Interest Burden

0.096

EBT / EBIT

EBIT Margin

0.662

EBIT / Rev

Asset Turnover

0.086

Rev / Assets

Equity Multiplier

4.853

Assets / Equity

ROE

2.0%

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. ABR's ROE of 2.0% is driven by financial leverage (equity multiplier: 4.85x). 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$2.57

Price/Value

2.11x

Margin of Safety

-110.89%

Premium

110.89%

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 ABR's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ABR trades at a 111% premium to its adjusted intrinsic value of $2.57, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 19.1x.

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

$2.89

Median 1Y

$2.31

5th Pctile

$1.07

95th Pctile

$5.00

Ann. Volatility

47.5%

Analyst Target

$4.25

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

653

-0.9% YoY

Revenue / Employee

$1,854,478

Rev: $1,210,974,000

Profit / Employee

$227,865

NI: $148,796,000

SGA / Employee

$358,270

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	20.2%	18.0%	16.4%	15.0%	14.2%	12.2%	12.3%	12.2%	12.4%	12.3%	11.3%	10.4%	9.7%	8.6%	7.8%	7.1%	6.4%	5.0%	4.0%	2.0%	2.01%
ROA	3.4%	3.0%	2.8%	2.6%	2.3%	2.0%	2.1%	2.1%	2.2%	2.3%	2.2%	2.1%	2.0%	1.8%	1.7%	1.5%	1.4%	1.1%	0.8%	0.4%	0.41%
ROIC	4.3%	2.8%	3.6%	3.2%	3.1%	2.6%	3.6%	3.1%	3.3%	4.0%	3.3%	3.2%	3.1%	2.9%	4.1%	3.7%	4.6%	3.8%	4.5%	4.9%	4.86%
ROCE	4.3%	5.3%	4.1%	4.2%	4.6%	7.0%	6.6%	9.5%	8.9%	8.8%	10.7%	11.1%	10.9%	11.0%	7.6%	7.2%	6.8%	9.4%	7.5%	6.3%	6.32%
Gross Margin	92.4%	93.8%	90.1%	91.0%	90.8%	93.2%	91.5%	92.2%	92.1%	92.4%	90.2%	89.9%	90.7%	89.5%	86.3%	-50.1%	94.0%	91.4%	91.1%	91.6%	91.62%
Operating Margin	65.4%	72.0%	62.5%	65.4%	64.5%	72.4%	67.3%	69.0%	69.5%	73.3%	60.3%	59.9%	62.4%	61.7%	54.6%	2.1%	72.9%	72.4%	69.7%	68.6%	68.56%
Net Margin	49.9%	58.0%	48.0%	53.4%	49.6%	48.7%	53.8%	48.6%	50.2%	53.9%	42.8%	40.5%	43.1%	42.1%	28.1%	1.2%	16.3%	7.9%	3.7%	-9.2%	-9.23%
EBITDA Margin	1.1%	1.1%	1.2%	1.4%	1.7%	1.7%	2.0%	1.9%	2.0%	1.9%	2.0%	2.1%	1.9%	1.7%	1.6%	8.6%	83.4%	69.7%	66.7%	53.5%	53.55%
FCF Margin	-38.8%	32.8%	80.6%	38.6%	1.6%	1.7%	30.4%	62.1%	61.1%	32.8%	78.7%	69.6%	75.7%	73.6%	57.5%	68.8%	68.3%	47.4%	21.1%	23.7%	23.67%
OCF Margin	-38.8%	32.8%	80.6%	38.6%	1.6%	1.7%	30.4%	62.1%	61.1%	32.8%	78.7%	69.6%	75.7%	73.6%	57.5%	68.8%	68.3%	47.4%	22.9%	26.0%	26.00%
ROE 3Y Avg	snapshot only																				6.54%
ROE 5Y Avg	snapshot only																				8.75%
ROA 3Y Avg	snapshot only																				1.40%
ROIC 3Y Avg	snapshot only																				3.28%
ROIC Economic	snapshot only																				4.77%
Cash ROA	snapshot only																				2.17%
Cash ROIC	snapshot only																				2.30%
CROIC	snapshot only																				2.09%
NOPAT Margin	snapshot only																				55.06%
Pretax Margin	snapshot only																				6.34%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				9.64%
SBC / Revenue	snapshot only																				1.20%

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	5.70	5.66	5.98	4.86	4.68	5.90	5.09	6.71	6.94	7.13	6.93	7.78	9.27	9.53	9.39	9.87	12.81	11.08	13.72	17.93	19.106
P/S Ratio	2.87	2.90	2.92	2.56	2.46	2.94	2.61	3.36	3.49	3.69	3.40	3.69	4.23	4.02	3.64	4.24	3.90	2.10	1.75	0.86	0.449
P/B Ratio	0.92	0.79	0.77	0.61	0.57	0.65	0.58	0.78	0.82	0.85	0.77	0.81	0.91	0.83	0.74	0.71	0.83	0.56	0.57	0.37	0.198
P/FCF	-7.40	8.85	3.63	6.64	1.56	1.75	8.57	5.42	5.71	11.23	4.32	5.30	5.59	5.47	6.33	6.16	5.70	4.43	8.27	3.64	3.644
P/OCF	—	8.85	3.63	6.64	1.56	1.75	8.57	5.42	5.71	11.23	4.32	5.30	5.59	5.47	6.33	6.16	5.70	4.43	7.64	3.32	3.317
EV/EBITDA	14.42	21.41	15.14	14.49	13.25	14.99	9.48	11.07	10.18	7.97	9.51	9.41	9.84	10.22	6.92	7.49	8.79	13.03	14.00	14.42	14.419
EV/Revenue	13.14	20.66	16.00	17.56	18.06	22.86	16.20	20.20	19.14	15.56	18.53	18.62	19.18	19.22	12.41	15.66	13.69	15.55	13.48	9.87	9.870
EV/EBIT	16.20	23.87	16.64	15.83	14.35	16.10	10.09	11.71	10.74	8.41	10.05	9.98	10.47	10.95	7.46	8.00	9.28	13.63	14.43	14.90	14.903
EV/FCF	-33.85	63.03	19.85	45.52	11.41	13.60	53.27	32.55	31.33	47.40	23.55	26.75	25.35	26.13	21.61	22.77	20.04	32.80	63.78	41.69	41.690
Earnings Yield	17.5%	17.7%	16.7%	20.6%	21.4%	16.9%	19.7%	14.9%	14.4%	14.0%	14.4%	12.9%	10.8%	10.5%	10.6%	10.1%	7.8%	9.0%	7.3%	5.6%	5.58%
FCF Yield	-13.5%	11.3%	27.6%	15.1%	64.3%	57.2%	11.7%	18.4%	17.5%	8.9%	23.1%	18.9%	17.9%	18.3%	15.8%	16.2%	17.5%	22.6%	12.1%	27.4%	27.45%
Price/Tangible Book	snapshot only																				0.437
EV/OCF	snapshot only																				37.955
EV/Gross Profit	snapshot only																				10.726
Acquirers Multiple	snapshot only																				13.910
Shareholder Yield	snapshot only																				30.94%
Graham Number	snapshot only																				$9.95

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	—	3.25	—	—	—	4.22	—	4.44	12.20	1.69	4.67	4.32	0.00	3.53	—	—	—	0.10	0.13	0.16	0.161
Quick Ratio	—	3.25	—	—	—	4.22	—	4.44	12.20	1.69	4.67	4.32	0.00	3.53	—	—	—	0.10	0.13	0.16	0.161
Debt/Equity	3.47	5.03	3.59	3.67	3.73	4.62	3.30	4.20	3.98	3.04	3.72	3.50	3.43	3.32	1.89	2.00	2.23	3.74	3.96	3.99	3.991
Net Debt/Equity	3.28	4.86	3.46	3.55	3.59	4.44	3.05	3.92	3.69	2.74	3.43	3.26	3.21	3.15	1.79	1.91	2.09	3.58	3.82	3.89	3.887
Debt/Assets	0.57	0.81	0.58	0.58	0.59	0.80	0.60	0.79	0.78	0.60	0.76	0.75	0.75	0.74	0.43	0.44	0.48	0.76	0.77	0.77	0.772
Debt/EBITDA	11.92	19.04	12.85	12.81	11.89	13.60	8.63	9.88	8.98	6.75	8.43	8.11	8.22	8.51	5.17	5.71	6.71	11.79	12.64	13.51	13.509
Net Debt/EBITDA	11.27	18.40	12.37	12.38	11.45	13.06	7.96	9.22	8.32	6.08	7.76	7.55	7.67	8.09	4.89	5.46	6.29	11.27	12.19	13.16	13.159
Interest Coverage	2.82	2.70	2.66	2.33	1.96	1.67	1.57	1.49	1.48	1.47	1.44	1.41	1.40	1.37	1.36	1.36	1.34	1.28	1.23	1.11	1.106
Equity Multiplier	6.06	6.23	6.18	6.32	6.30	5.80	5.49	5.34	5.12	5.05	4.87	4.65	4.58	4.46	4.44	4.56	4.63	4.91	5.12	5.17	5.167
Cash Ratio	snapshot only																				0.161
Debt Service Coverage	snapshot only																				1.143
Cash to Debt	snapshot only																				0.026
FCF to Debt	snapshot only																				0.026
Defensive Interval	snapshot only																				17633.5 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	0.07	0.06	0.06	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.07	0.09	0.086
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	35.16	0.11	19.01	20.52	34.72	0.05	8.12	0.11	0.11	0.10	0.12	0.05	0.10	0.11	0.10	0.09	10.07	0.14	41.63	0.20	0.201
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	10	3266	19	18	11	7246	45	3432	3198	3606	3116	6747	3620	3184	3542	4218	36	2530	9	1816	1816.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle (trade)	10	3266	19	18	11	7246	45	3432	3198	3606	3116	6747	3620	3184	3542	4218	36	2530	9	1816	—
Cash Velocity	snapshot only																				4.170
Capital Intensity	snapshot only																				11.972

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	78.5%	55.1%	23.1%	4.9%	1.3%	-1.1%	-2.9%	7.0%	12.7%	9.9%	3.7%	-5.2%	-11.2%	-12.7%	-12.8%	-25.4%	-1.9%	25.2%	52.3%	1.4%	1.41%
Net Income	1.9%	98.5%	13.8%	5.3%	5.8%	-4.0%	1.8%	1.8%	7.6%	14.0%	-0.7%	-10.3%	-19.4%	-28.8%	-31.2%	-32.4%	-34.5%	-43.8%	-49.8%	-73.0%	-73.01%
EPS	1.5%	65.7%	-11.7%	-17.1%	-17.6%	-24.0%	-12.1%	-8.2%	0.1%	7.3%	-4.2%	-5.7%	-13.1%	-22.8%	-25.9%	-33.5%	-36.2%	-45.6%	-51.0%	-70.4%	-70.44%
FCF	-13.8%	3.0%	-27.8%	2.0%	5.1%	4.1%	-63.4%	72.1%	-56.5%	-78.5%	1.7%	6.3%	10.1%	95.5%	-36.3%	-26.3%	-11.4%	-19.3%	-44.0%	-17.1%	-17.06%
EBITDA	66.4%	55.7%	42.6%	43.9%	51.5%	56.3%	56.9%	61.1%	55.6%	40.7%	18.3%	2.8%	-7.9%	-16.0%	-19.7%	-21.2%	-21.5%	-20.6%	-18.3%	-21.1%	-21.14%
Op. Income	1.3%	82.9%	26.6%	3.0%	1.1%	-1.6%	-3.6%	10.0%	18.1%	15.1%	4.5%	-8.4%	-17.7%	-23.6%	-23.7%	-23.6%	9.0%	51.8%	93.0%	1.5%	1.52%
OCF Growth	snapshot only																				-8.90%
Asset Growth	snapshot only																				5.82%
Equity Growth	snapshot only																				-6.62%
Debt Growth	snapshot only																				86.62%
Shares Change	snapshot only																				-8.71%
Dividend Growth	snapshot only																				-21.16%

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	21.6%	20.9%	22.9%	19.0%	17.0%	17.6%	32.5%	29.2%	26.8%	19.0%	7.4%	2.1%	0.5%	-1.7%	-4.2%	-8.9%	-0.6%	6.3%	11.3%	19.4%	19.43%
Revenue 5Y	43.0%	30.1%	24.5%	17.6%	15.8%	15.4%	15.5%	15.7%	15.5%	14.0%	13.3%	11.3%	9.9%	9.3%	16.0%	8.8%	12.2%	13.0%	10.5%	13.8%	13.84%
EPS 3Y	25.5%	21.3%	20.9%	17.6%	14.4%	14.9%	65.6%	51.6%	26.6%	10.6%	-9.4%	-10.5%	-10.5%	-14.3%	-14.6%	-16.8%	-17.8%	-23.3%	-29.7%	-43.0%	-43.00%
EPS 5Y	32.4%	24.3%	15.9%	16.1%	14.1%	12.3%	10.3%	10.5%	10.2%	7.8%	8.2%	7.1%	5.4%	4.6%	26.4%	16.9%	2.4%	-10.7%	-23.0%	-32.4%	-32.41%
Net Income 3Y	47.6%	43.1%	44.8%	40.8%	37.9%	36.3%	95.2%	78.7%	49.6%	29.5%	4.8%	-1.3%	-2.8%	-7.9%	-11.4%	-14.9%	-17.2%	-23.0%	-30.0%	-45.3%	-45.31%
Net Income 5Y	56.1%	46.5%	39.4%	39.1%	36.5%	34.7%	32.8%	31.6%	29.6%	26.2%	25.2%	20.6%	17.9%	15.5%	38.4%	28.2%	12.0%	-2.7%	-16.9%	-29.4%	-29.42%
EBITDA 3Y	22.1%	20.2%	25.0%	25.7%	28.5%	34.2%	55.5%	58.1%	57.7%	50.7%	38.4%	33.6%	29.5%	22.7%	14.2%	9.3%	4.0%	-2.1%	-8.1%	-13.9%	-13.87%
EBITDA 5Y	48.7%	37.0%	32.7%	28.2%	28.2%	31.3%	34.0%	34.4%	33.8%	30.8%	29.4%	26.9%	24.9%	23.4%	29.0%	26.2%	23.2%	18.0%	11.7%	8.2%	8.18%
Gross Profit 3Y	23.5%	23.5%	25.4%	21.0%	18.8%	19.4%	37.4%	32.1%	28.2%	19.6%	6.8%	1.3%	-0.2%	-2.8%	-5.5%	-12.6%	-3.1%	4.4%	9.7%	19.4%	19.44%
Gross Profit 5Y	49.6%	33.3%	26.7%	19.1%	17.0%	16.1%	16.3%	16.6%	16.4%	15.2%	14.5%	12.3%	10.8%	10.0%	17.9%	7.6%	11.0%	11.9%	9.2%	13.5%	13.52%
Op. Income 3Y	28.5%	27.1%	30.3%	24.7%	22.5%	23.9%	58.6%	48.4%	39.9%	27.5%	8.4%	1.3%	-0.6%	-4.7%	-8.4%	-8.3%	1.9%	10.1%	15.5%	20.8%	20.77%
Op. Income 5Y	59.6%	36.1%	29.6%	21.2%	19.4%	19.4%	20.3%	20.7%	20.4%	18.4%	17.4%	14.3%	12.3%	10.8%	26.1%	18.0%	19.7%	19.1%	13.4%	14.8%	14.83%
FCF 3Y	—	—	39.0%	—	68.6%	—	—	4.3%	1.8%	62.7%	-10.8%	23.1%	—	28.6%	-14.5%	10.5%	-24.9%	-30.3%	-1.4%	-13.4%	-13.38%
FCF 5Y	—	—	—	22.5%	90.7%	19.0%	-12.8%	20.6%	—	—	21.4%	—	18.1%	—	—	-2.3%	86.3%	46.7%	-24.0%	2.7%	2.66%
OCF 3Y	—	—	38.9%	—	68.5%	—	—	4.3%	1.8%	62.4%	-10.8%	23.1%	—	28.6%	-14.5%	10.5%	-24.9%	-30.3%	1.2%	-10.6%	-10.63%
OCF 5Y	—	—	—	22.3%	90.2%	19.0%	-12.8%	20.6%	—	—	21.4%	—	18.0%	—	—	-2.3%	85.3%	46.6%	-22.8%	4.6%	4.60%
Assets 3Y	39.0%	48.4%	52.5%	46.4%	48.8%	39.8%	33.7%	36.2%	33.5%	27.1%	22.9%	16.1%	4.5%	-3.6%	-6.4%	-8.3%	-7.9%	-5.2%	-4.0%	-3.9%	-3.87%
Assets 5Y	35.6%	38.4%	41.1%	43.0%	42.2%	36.3%	34.6%	30.9%	28.5%	27.8%	26.9%	20.4%	20.8%	16.7%	14.0%	16.2%	15.7%	13.6%	12.6%	9.6%	9.64%
Equity 3Y	36.1%	39.3%	42.6%	39.8%	40.0%	35.3%	41.1%	39.8%	37.5%	32.4%	26.6%	18.6%	14.7%	7.7%	4.5%	2.3%	2.0%	0.2%	-1.7%	-2.8%	-2.79%
Book Value 3Y	15.7%	18.0%	19.1%	16.8%	16.1%	14.0%	19.7%	18.6%	16.4%	13.0%	9.4%	7.6%	5.6%	0.3%	0.7%	-0.0%	1.3%	-0.2%	-1.2%	1.3%	1.33%
Dividend 3Y	-3.9%	-2.5%	-3.8%	-10.4%	-5.5%	-5.4%	-6.0%	-7.2%	-9.3%	-9.7%	-9.6%	-6.0%	-5.9%	-5.7%	-3.0%	-4.3%	-5.1%	-7.2%	-9.0%	-6.6%	-6.59%

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	0.84	0.89	0.78	0.74	0.76	0.84	0.76	0.79	0.82	0.86	0.86	0.78	0.70	0.58	0.50	0.24	0.54	0.76	0.54	0.26	0.258
Earnings Stability	0.70	0.82	0.67	0.69	0.79	0.87	0.76	0.75	0.84	0.88	0.71	0.60	0.60	0.48	0.25	0.12	0.04	0.03	0.52	0.69	0.690
Margin Stability	0.92	0.95	0.94	0.96	0.97	0.98	0.95	0.97	0.98	0.98	0.97	0.98	0.98	0.98	0.95	0.95	0.97	0.98	0.98	0.95	0.945
Rev. Growth Consistency	0.50	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.50	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	0	1	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.94	0.98	0.98	0.98	0.99	0.99	0.97	0.94	1.00	0.96	0.92	0.88	0.88	0.87	0.86	0.82	0.80	0.50	0.500
Earnings Smoothness	0.01	0.34	0.87	0.95	0.94	0.96	0.98	0.98	0.93	0.87	0.99	0.89	0.78	0.66	0.63	0.61	0.58	0.44	0.34	0.00	0.000
ROE Trend	0.05	0.02	0.01	0.01	-0.01	-0.02	-0.05	-0.04	-0.02	-0.01	-0.01	-0.02	-0.02	-0.03	-0.03	-0.04	-0.04	-0.05	-0.05	-0.07	-0.067
Gross Margin Trend	0.04	0.04	0.05	0.02	0.01	-0.00	-0.01	-0.01	0.00	-0.00	-0.00	-0.01	-0.01	-0.02	-0.03	-0.10	-0.07	-0.05	-0.02	0.06	0.058
FCF Margin Trend	-0.68	0.55	1.37	-0.40	1.75	1.45	-0.79	0.23	0.01	-0.68	0.23	0.19	-0.34	-0.27	0.03	0.03	-0.00	-0.06	-0.47	-0.46	-0.455
Sustainable Growth Rate	7.5%	6.0%	4.4%	3.3%	1.7%	0.2%	0.3%	-0.1%	-0.1%	-0.3%	-1.4%	-2.6%	-3.2%	-4.2%	-5.2%	-5.2%	-5.0%	-5.7%	-6.0%	-7.3%	-7.25%
Internal Growth Rate	1.3%	1.0%	0.8%	0.6%	0.3%	0.0%	0.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	-0.77	0.64	1.65	0.73	3.01	3.38	0.59	1.24	1.22	0.64	1.60	1.47	1.66	1.74	1.48	1.60	2.25	2.50	1.79	5.40	5.404
FCF/OCF	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.92	0.91	0.910
FCF/Net Income	snapshot only																				4.920
OCF/EBITDA	snapshot only																				0.380
CapEx/Revenue	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.7%	2.3%	2.33%
CapEx/Depreciation	snapshot only																				1.048
Accruals Ratio	0.06	0.01	-0.02	0.01	-0.05	-0.05	0.01	-0.00	-0.00	0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02	-0.02	-0.01	-0.02	-0.018
Sloan Accruals	snapshot only																				-0.109
Cash Flow Adequacy	snapshot only																				1.059
Earnings Quality Score	snapshot only																				1.000

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	11.0%	11.8%	12.3%	16.1%	18.7%	16.7%	19.3%	15.0%	14.5%	14.4%	16.3%	16.0%	14.3%	15.7%	17.8%	17.5%	13.9%	19.4%	18.0%	25.8%	32.58%
Dividend/Share	$1.27	$1.37	$1.35	$1.39	$1.46	$1.53	$1.58	$1.64	$1.67	$1.71	$1.74	$1.92	$1.92	$1.92	$1.91	$1.77	$1.64	$1.51	$1.39	$1.40	$0.94
Payout Ratio	62.8%	66.9%	73.3%	78.1%	87.7%	98.8%	97.9%	1.0%	1.0%	1.0%	1.1%	1.2%	1.3%	1.5%	1.7%	1.7%	1.8%	2.2%	2.5%	4.6%	4.62%
FCF Payout Ratio	—	1.0%	44.4%	1.1%	29.2%	29.3%	1.7%	81.2%	82.6%	1.6%	70.3%	84.8%	80.1%	85.5%	1.1%	1.1%	79.1%	85.9%	1.5%	93.8%	93.83%
Total Payout Ratio	73.0%	83.4%	89.7%	87.5%	97.2%	98.9%	1.0%	1.1%	1.1%	1.1%	1.2%	1.3%	1.4%	1.5%	1.7%	1.7%	1.8%	2.2%	2.7%	5.5%	5.55%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0	0
Chowder Number	0.55	0.64	0.65	0.39	0.67	0.58	0.55	0.46	0.38	0.33	0.31	0.27	0.21	0.19	0.19	0.11	0.01	0.00	-0.08	-0.02	-0.023
Buyback Yield	1.8%	2.9%	2.7%	1.9%	2.0%	0.0%	0.6%	1.6%	1.5%	1.4%	1.2%	0.5%	0.5%	0.5%	0.6%	0.1%	0.0%	0.1%	2.0%	5.2%	5.18%
Net Buyback Yield	-22.5%	-23.9%	-21.5%	-25.1%	-28.3%	-21.2%	-19.4%	-9.0%	-9.9%	-5.9%	-3.4%	-2.9%	0.5%	0.1%	-1.2%	-1.9%	-3.2%	-4.2%	-0.5%	1.3%	1.34%
Total Shareholder Return	-11.5%	-12.1%	-9.2%	-9.0%	-9.5%	-4.5%	-0.2%	6.0%	4.6%	8.5%	12.8%	13.1%	14.8%	15.8%	16.6%	15.7%	10.6%	15.3%	17.5%	27.1%	27.10%

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)	0.77	0.80	0.81	0.83	0.86	0.88	0.88	0.88	0.87	0.87	0.87	0.88	0.87	0.89	0.89	0.88	0.87	0.84	0.83	0.76	0.759
Interest Burden (EBT/EBIT)	0.81	0.74	0.62	0.57	0.49	0.40	0.36	0.33	0.32	0.32	0.30	0.29	0.28	0.27	0.26	0.25	0.24	0.20	0.16	0.10	0.096
EBIT Margin	0.81	0.87	0.96	1.11	1.26	1.42	1.61	1.72	1.78	1.85	1.84	1.87	1.83	1.76	1.66	1.96	1.48	1.14	0.93	0.66	0.662
Asset Turnover	0.07	0.06	0.06	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.07	0.09	0.086
Equity Multiplier	5.89	6.04	5.86	5.78	6.20	6.00	5.81	5.81	5.68	5.41	5.18	4.99	4.85	4.76	4.66	4.60	4.60	4.68	4.77	4.85	4.853

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)	$2.02	$2.04	$1.84	$1.78	$1.66	$1.55	$1.62	$1.63	$1.66	$1.67	$1.55	$1.54	$1.44	$1.29	$1.15	$1.02	$0.92	$0.70	$0.56	$0.30	$0.30
Book Value/Share	$12.53	$14.56	$14.23	$14.25	$13.70	$14.00	$14.06	$13.99	$14.03	$13.99	$13.90	$14.87	$14.77	$14.70	$14.54	$14.23	$14.24	$13.90	$13.55	$14.56	$15.10
Tangible Book/Share	$9.29	$11.41	$11.42	$11.64	$11.27	$11.63	$11.77	$11.74	$11.84	$11.83	$11.77	$12.58	$12.51	$12.48	$12.39	$12.15	$12.19	$11.89	$11.58	$12.41	$12.41
Revenue/Share	$4.00	$3.98	$3.76	$3.37	$3.15	$3.12	$3.15	$3.26	$3.31	$3.23	$3.15	$3.25	$3.17	$3.05	$2.96	$2.38	$3.03	$3.70	$4.41	$6.28	$6.28
FCF/Share	$-1.55	$1.31	$3.03	$1.30	$5.00	$5.24	$0.96	$2.02	$2.02	$1.06	$2.48	$2.26	$2.40	$2.24	$1.70	$1.64	$2.07	$1.75	$0.93	$1.49	$1.49
OCF/Share	$-1.55	$1.31	$3.03	$1.30	$5.00	$5.24	$0.96	$2.02	$2.02	$1.06	$2.48	$2.26	$2.40	$2.24	$1.70	$1.64	$2.07	$1.75	$1.01	$1.63	$1.63
Cash/Share	$2.38	$2.45	$1.89	$1.75	$1.89	$2.55	$3.60	$3.92	$4.06	$4.20	$4.08	$3.60	$3.35	$2.45	$1.49	$1.22	$2.01	$2.27	$1.92	$1.51	$1.51
EBITDA/Share	$3.64	$3.84	$3.98	$4.09	$4.30	$4.76	$5.39	$5.94	$6.22	$6.30	$6.15	$6.42	$6.17	$5.73	$5.32	$4.98	$4.72	$4.41	$4.25	$4.30	$4.30
Debt/Share	$43.46	$73.18	$51.12	$52.35	$51.09	$64.68	$46.46	$58.75	$55.83	$42.52	$51.78	$52.09	$50.72	$48.82	$27.50	$28.42	$31.71	$52.00	$53.66	$58.10	$58.10
Net Debt/Share	$41.08	$70.73	$49.23	$50.60	$49.20	$62.13	$42.85	$54.83	$51.77	$38.32	$47.70	$48.49	$47.37	$46.37	$26.01	$27.20	$29.70	$49.73	$51.73	$56.59	$56.59

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.169
Altman Z-Prime	snapshot only																				-0.277
Piotroski F-Score	4	5	3	3	3	5	4	6	6	5	5	6	5	5	5	4	5	5	5	6	6
Beneish M-Score	-2.50	780.81	-1.06	2.16	-1.61	-2.52	-1.53	191.47	395.78	2.01	102.53	-2.60	1.88	172.72	1.10	-1.86	-2.51	0.91	-0.69	65.79	65.787
Ohlson O-Score	snapshot only																				-5.161
Net-Net WC	snapshot only																				$-58.62
EVA	snapshot only																				$-697519666.04

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																				CCC
Credit Score	29.01	40.27	31.67	28.26	29.63	40.29	28.40	41.28	43.22	33.63	42.24	42.14	14.94	40.87	32.97	32.75	33.21	15.17	22.90	17.92	17.917
Credit Grade	snapshot only																				17
Credit Trend	snapshot only																				-14.830
Implied Spread (bps)	snapshot only																				1200.000
Industry Credit Rank	snapshot only																				28
Sector Credit Rank	snapshot only																				4

ABR 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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