— Know what they know.
/
Not Investment Advice

ACT NASDAQ

Enact Holdings, Inc.
1W: +2.6% 1M: -1.8% 3M: +3.6% YTD: +6.6% 1Y: +23.0% 3Y: +77.8%
$42.41
+0.38 (+0.90%)
 
Weekly Expected Move ±3.1%
$39 $40 $42 $43 $44
NASDAQ · Financial Services · Insurance - Specialty · Alpha Radar Neutral · Power 49 · $5.9B mcap · 27M float · 1.13% daily turnover · Short 56% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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.

NARROW EDGE
60.2 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 12.3%  ·  5Y Avg: 13.3%
Cost Advantage ★
90
Intangibles
61
Switching Cost
50
Network Effect
30
Scale
66
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. ACT has a Narrow competitive edge (60.2/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 12.3% 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
$0
Low
$45
Avg Target
$45
High
Based on 3 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 3Hold: 5Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$45.00
Analysts3
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-02-05 Goldman Sachs — $45 $50 +5 +13.5% $44.07
2026-01-12 UBS — $33 $40 +7 -1.3% $40.54
2026-01-06 Goldman Sachs Ryan Nash Initiated $45 — +12.5% $40.00
2024-05-21 UBS Doug Harter Initiated $33 — +6.2% $31.08
2024-05-06 BTIG Soham Bhonsle $27 $33 +6 +5.4% $31.31
2023-02-08 J.P. Morgan — Initiated $25 — +8.6% $23.02
2022-07-08 BTIG — Initiated $27 — +24.7% $21.66

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.

A
Jun 12, 2026
DCF
5
ROE
4
ROA
5
D/E
3
P/E
3
P/B
3
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. ACT receives an overall rating of A. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5).
Rating Change History
DateFromTo
2026-05-11 A- A
2026-05-06 A A-
2026-04-30 A+ A
2026-04-27 A A+
2026-03-30 A+ A
2026-03-04 A A+
2026-02-12 A- A
2026-02-06 A A-

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.

★ ★ ★ ★ ★ 72 Grade A+
Profitability
81
Balance Sheet
83
Earnings Quality
90
Growth
39
Value
95
Momentum
64
Safety
100
Cash Flow
80
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. ACT scores highest in Safety (100/100) and lowest in Growth (39/100). An overall grade of A+ places ACT among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-I Score
17.49
Safe Zone
Piotroski F-Score
6/9
✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓ ✗
Beneish M-Score
5.19
Possible Manipulator
Ohlson O-Score
-10.38
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
AA+
Score: 93.4/100
Trend: Deteriorating
Earnings Quality
100/100
OCF/NI: 1.07x
Accruals: -0.7%
The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. ACT scores 17.49, placing it in the Safe Zone (safe > 3.0, distress < 1.5). 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. ACT 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. ACT's score of 5.19 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. ACT's implied 0.0% 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. ACT receives an estimated rating of AA+ (score: 93.4/100), 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). ACT'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
8.88x
PEG
2.49x
P/S
4.78x
P/B
1.12x
P/FCF
8.06x
P/OCF
8.06x
EV/EBITDA
6.57x
EV/Revenue
4.83x
EV/EBIT
6.57x
EV/FCF
8.29x
Earnings Yield
11.62%
FCF Yield
12.40%
Shareholder Yield
9.15%
Graham Number
$63.29
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 8.9x earnings, ACT trades at a deep value multiple. An earnings yield of 11.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $63.29 per share, suggesting a potential 49% 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
0.786
NI / EBT
×
Interest Burden
0.945
EBT / EBIT
×
EBIT Margin
0.735
EBIT / Rev
×
Asset Turnover
0.185
Rev / Assets
×
Equity Multiplier
1.296
Assets / Equity
=
ROE
13.1%
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. ACT's ROE of 13.1% is driven by EBIT Margin (0.735) as the dominant factor.

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.

Adj. Growth Rate
2.64%
Fair P/E
13.78x
Intrinsic Value
$65.31
Price/Value
0.62x
Margin of Safety
37.51%
Premium
-37.51%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ACT's realized 2.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $65.31, ACT appears undervalued with a 38% margin of safety. The adjusted fair P/E of 13.8x compares to the current market P/E of 8.9x.

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 1190 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$42.41
Median 1Y
$50.20
5th Pctile
$33.02
95th Pctile
$76.66
Ann. Volatility
24.7%
25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

ExecutiveSalaryStockTotal
Rohit Gupta
President and CEO
 $1,000,000 $5,869,867 $9,874,055
Hardin Dean Mitchell
Executive Vice President, Chief Financial Officer and Treasurer
 $525,000 $1,222,912 $2,673,439
Evan S. Stolove
Executive Vice President, General Counsel, and Corporate Secretary
 $450,000 $489,191 $1,495,616
Michael Derstine Risk
utive Vice President and Chief Risk Officer
 $425,000 $489,191 $1,486,354
Brian Gould Operations
Vice President and Chief Operations Officer
 $350,000 $391,353 $1,097,301

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

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

Employees
419
-0.5% YoY
Revenue / Employee
$2,936,473
Rev: $1,230,382,000
Profit / Employee
$1,609,174
NI: $674,244,000
SGA / Employee
—
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 Trend 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 Current
ROE 3.5% 7.1% 11.1% 16.1% 17.9% 17.2% 17.4% 16.5% 15.9% 15.2% 14.9% 15.3% 15.6% 14.3% 14.4% 14.1% 13.7% 13.0% 13.1% 13.07%
ROA 2.4% 5.0% 7.8% 11.3% 12.4% 12.2% 12.4% 11.7% 11.3% 11.2% 10.9% 11.2% 11.5% 10.8% 10.9% 10.7% 10.4% 10.1% 10.1% 10.08%
ROIC -15.6% -34.4% -53.8% -78.0% -84.4% -1.3% -1.3% -1.2% -1.2% -1.3% -1.2% -1.3% -1.3% 19.1% 19.2% 18.8% 18.3% 12.2% 12.3% 12.26%
ROCE 3.3% 6.9% 10.8% 15.6% 16.8% 16.6% 16.9% 16.1% 15.5% 14.6% 14.3% 14.6% 14.9% 15.5% 15.6% 15.2% 14.9% 13.4% 13.4% 13.39%
Gross Margin 66.8% 76.1% 82.6% 1.0% 93.6% 70.8% 84.6% 81.8% 75.6% 71.8% 75.1% 86.8% 78.1% 73.0% 72.9% 74.4% 71.5% 94.3% 88.1% 88.09%
Operating Margin 62.3% 71.4% 77.9% 95.4% 88.9% 66.1% 79.9% 77.2% 71.3% 67.4% 70.6% 78.6% 74.1% 68.8% 68.9% 70.4% 67.4% 71.6% 68.4% 68.38%
Net Margin 48.9% 56.3% 61.1% 74.8% 69.4% 52.0% 62.6% 60.5% 54.9% 53.1% 55.2% 61.5% 58.4% 53.9% 54.0% 55.1% 52.5% 56.9% 53.8% 53.76%
EBITDA Margin 66.8% 76.1% 82.6% 1.0% 93.6% 70.9% 84.6% 81.8% 75.6% 71.8% 75.1% 83.1% 78.1% 72.9% 72.9% 74.5% 71.5% 75.6% 72.3% 72.34%
FCF Margin 52.8% 55.9% 57.1% 55.7% 51.6% 51.2% 46.9% 49.2% 52.9% 54.8% 60.1% 57.1% 59.4% 57.1% 59.6% 57.3% 57.5% 58.7% 58.2% 58.23%
OCF Margin 52.8% 55.9% 57.1% 55.7% 51.6% 51.2% 46.9% 49.2% 52.9% 54.8% 60.1% 57.1% 59.4% 57.1% 59.6% 57.3% 57.5% 58.7% 58.2% 58.23%
ROE 3Y Avg snapshot only 13.51%
ROE 5Y Avg snapshot only 13.82%
ROA 3Y Avg snapshot only 10.31%
ROIC 3Y Avg snapshot only 11.16%
ROIC Economic snapshot only 11.13%
Cash ROA snapshot only 10.47%
Cash ROIC snapshot only 13.08%
CROIC snapshot only 13.08%
NOPAT Margin snapshot only 54.55%
Pretax Margin snapshot only 69.44%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 0.00%
SBC / Revenue snapshot only 0.70%
Valuation
Metric Trend 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 Current
P/E Ratio 21.08 9.91 6.82 4.57 4.39 5.10 4.77 5.53 6.24 6.68 7.38 7.06 8.13 7.11 7.54 8.18 8.57 8.54 8.61 8.880
P/S Ratio 10.32 5.21 3.77 2.75 2.87 3.28 3.09 3.38 3.59 3.85 4.12 3.97 4.64 4.07 4.29 4.53 4.62 4.67 4.70 4.776
P/B Ratio 0.75 0.70 0.76 0.74 0.76 0.88 0.83 0.92 0.99 0.96 1.04 1.02 1.20 0.98 1.05 1.11 1.13 1.08 1.09 1.124
P/FCF 19.55 9.32 6.61 4.94 5.57 6.41 6.58 6.88 6.77 7.03 6.86 6.95 7.81 7.13 7.20 7.91 8.03 7.95 8.06 8.064
P/OCF 19.55 9.32 6.61 4.94 5.57 6.41 6.58 6.88 6.77 7.03 6.86 6.95 7.81 7.13 7.20 7.91 8.03 7.95 8.06 8.064
EV/EBITDA -9.98 -5.24 -2.99 -2.17 -1.89 -1.12 -1.29 -0.98 -0.67 -0.79 -0.40 -0.50 0.43 3.78 4.11 4.55 4.78 6.52 6.57 6.569
EV/Revenue -6.67 -3.74 -2.25 -1.76 -1.66 -0.98 -1.12 -0.81 -0.52 -0.62 -0.31 -0.38 0.33 2.92 3.15 3.39 3.49 4.80 4.83 4.826
EV/EBIT -9.98 -5.24 -2.99 -2.17 -1.89 -1.12 -1.29 -0.98 -0.67 -0.79 -0.40 -0.50 0.43 3.78 4.11 4.55 4.78 6.52 6.57 6.569
EV/FCF -12.63 -6.70 -3.93 -3.17 -3.23 -1.91 -2.40 -1.65 -0.99 -1.13 -0.51 -0.67 0.55 5.11 5.29 5.93 6.06 8.17 8.29 8.288
Earnings Yield 4.7% 10.1% 14.7% 21.9% 22.8% 19.6% 21.0% 18.1% 16.0% 15.0% 13.5% 14.2% 12.3% 14.1% 13.3% 12.2% 11.7% 11.7% 11.6% 11.62%
FCF Yield 5.1% 10.7% 15.1% 20.2% 18.0% 15.6% 15.2% 14.5% 14.8% 14.2% 14.6% 14.4% 12.8% 14.0% 13.9% 12.6% 12.5% 12.6% 12.4% 12.40%
PEG Ratio snapshot only 2.486
Price/Tangible Book snapshot only 1.087
EV/OCF snapshot only 8.288
EV/Gross Profit snapshot only 5.878
Acquirers Multiple snapshot only 6.950
Shareholder Yield snapshot only 9.15%
Graham Number snapshot only $63.29
Leverage & Solvency
Metric Trend 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 Current
Current Ratio — 39.68 39.68 39.68 39.68 — — — — — — — — 11.60 11.60 11.60 11.60 6.86 6.86 6.860
Quick Ratio — 44.79 44.79 44.79 44.79 — — — — — — — — 11.60 11.60 11.60 11.60 6.86 6.86 6.860
Debt/Equity 0.19 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.16 0.16 0.16 0.16 0.15 0.15 0.15 0.15 0.14 0.14 0.139
Net Debt/Equity -1.23 -1.21 -1.21 -1.21 -1.21 -1.14 -1.14 -1.14 -1.14 -1.11 -1.11 -1.11 -1.11 -0.28 -0.28 -0.28 -0.28 0.03 0.03 0.030
Debt/Assets 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.12 0.12 0.12 0.12 0.11 0.11 0.11 0.11 0.11 0.11 0.108
Debt/EBITDA 3.94 1.87 1.20 0.83 0.77 0.78 0.77 0.81 0.84 0.83 0.84 0.82 0.81 0.80 0.80 0.81 0.83 0.82 0.82 0.817
Net Debt/EBITDA -25.41 -12.54 -8.02 -5.56 -5.15 -4.90 -4.83 -5.07 -5.25 -5.71 -5.83 -5.69 -5.59 -1.49 -1.48 -1.52 -1.55 0.18 0.18 0.178
Interest Coverage 14.69 15.47 16.13 17.45 18.78 18.37 18.56 17.62 16.99 17.42 17.09 17.26 17.78 18.16 18.50 18.57 17.96 18.19 18.21 18.207
Equity Multiplier 1.46 1.43 1.43 1.43 1.43 1.39 1.39 1.39 1.39 1.34 1.34 1.34 1.34 1.31 1.31 1.31 1.31 1.29 1.29 1.287
Cash Ratio snapshot only 6.356
Debt Service Coverage snapshot only 18.207
Cash to Debt snapshot only 0.782
FCF to Debt snapshot only 0.970
Defensive Interval snapshot only 1460.9 days
Efficiency & Turnover
Metric Trend 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 Current
Asset Turnover 0.05 0.09 0.14 0.19 0.19 0.19 0.19 0.19 0.20 0.19 0.20 0.20 0.20 0.19 0.19 0.19 0.19 0.18 0.18 0.185
Inventory Turnover — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 6.03 13.09 19.47 25.94 24.59 26.07 26.34 26.43 27.00 26.58 26.83 27.32 27.56 24.50 24.82 24.93 24.97 24.90 25.00 25.003
Payables Turnover — — — — — — — — — — — — — — — — — — — —
DSO 61 28 19 14 15 14 14 14 14 14 14 13 13 15 15 15 15 15 15 14.6 days
DIO 0 -1706 -1316 -1317 -1042 -930 -953 -702 -545 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 —
Cash Conversion Cycle 61 -1678 -1297 -1303 -1027 -916 -939 -688 -531 14 14 13 13 15 15 15 15 15 15 —
Cash Velocity snapshot only 2.128
Capital Intensity snapshot only 5.561
Growth (YoY)
Metric Trend 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 Current
Revenue — — — — 2.9% 97.9% 34.4% 1.3% 3.9% 5.4% 5.3% 6.8% 5.5% 4.2% 4.5% 3.2% 2.4% 2.7% 1.8% 1.84%
Net Income — — — — 4.2% 1.4% 57.1% 2.8% -8.7% -5.5% -9.1% -1.9% 4.7% 3.4% 6.5% 1.6% -3.3% -2.0% -2.4% -2.40%
EPS — — — — 4.2% 1.4% 57.0% 3.5% -7.4% -3.9% -7.3% 0.4% 7.5% 7.6% 11.5% 6.9% 2.3% 4.2% 4.6% 4.63%
FCF — — — — 2.8% 81.4% 10.5% -10.6% 6.6% 12.8% 34.9% 24.0% 18.3% 8.6% 3.7% 3.5% -0.8% 5.6% -0.5% -0.53%
EBITDA — — — — 4.1% 1.4% 56.2% 3.0% -7.8% -4.9% -8.3% -1.3% 4.0% 2.9% 5.6% 0.7% -3.1% -2.2% -2.5% -2.49%
Op. Income — — — — 4.2% 1.4% 57.6% 3.1% -8.3% -5.2% -8.8% -1.4% 4.2% 3.1% 6.1% 1.1% -3.0% -2.2% -2.6% -2.58%
OCF Growth snapshot only -0.53%
Asset Growth snapshot only 5.70%
Equity Growth snapshot only 7.19%
Debt Growth snapshot only 0.19%
Shares Change snapshot only -6.72%
Dividend Growth snapshot only 7.13%
Growth (CAGR)
Metric Trend 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 Current
Revenue 3Y — — — — — — — — — — — — 62.2% 29.5% 13.9% 3.7% 3.9% 4.1% 3.9% 3.87%
Revenue 5Y — — — — — — — — — — — — — — — — — — — —
EPS 3Y — — — — — — — — — — — — 72.8% 35.6% 17.5% 3.6% 0.6% 2.5% 2.6% 2.64%
EPS 5Y — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — 70.7% 33.3% 15.0% 0.8% -2.6% -1.4% -1.9% -1.86%
Net Income 5Y — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — — 70.1% 33.0% 14.8% 0.8% -2.4% -1.5% -1.9% -1.90%
EBITDA 5Y — — — — — — — — — — — — — — — — — — — —
Gross Profit 3Y — — — — — — — — — — — — 70.7% 33.5% 15.2% 0.8% -2.4% 0.6% 1.8% 1.81%
Gross Profit 5Y — — — — — — — — — — — — — — — — — — — —
Op. Income 3Y — — — — — — — — — — — — 70.8% 33.4% 15.1% 0.9% -2.5% -1.5% -1.9% -1.94%
Op. Income 5Y — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — — — — — — 68.7% 30.5% 15.6% 4.7% 7.7% 8.9% 11.6% 11.62%
FCF 5Y — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — 68.7% 30.5% 15.6% 4.7% 7.7% 8.9% 11.6% 11.62%
OCF 5Y — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — — — — 3.1% 3.6% 3.6% 3.6% 3.6% 6.5% 6.5% 6.49%
Assets 5Y — — — — — — — — — — — — — — — — — — — —
Equity 3Y — — — — — — — — — — — — 6.1% 6.8% 6.8% 6.8% 6.8% 9.3% 9.3% 9.30%
Book Value 3Y — — — — — — — — — — — — 7.4% 8.6% 9.1% 9.6% 10.3% 13.7% 14.3% 14.32%
Dividend 3Y — — — — — — — — — — — — -6.2% -17.9% -17.3% -16.7% -16.2% 6.8% 7.0% 7.02%
Growth Quality
Metric Trend 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 Current
Revenue Stability — — — — — — — — 0.79 0.82 0.87 0.86 0.69 0.74 0.83 0.94 0.98 0.98 0.97 0.967
Earnings Stability — — — — — — — — 0.66 0.67 0.52 0.10 0.55 0.56 0.50 0.30 0.44 0.45 0.40 0.399
Margin Stability — — — — — — — — 0.86 0.90 0.91 0.97 0.89 0.92 0.93 0.95 0.92 0.95 0.94 0.938
Rev. Growth Consistency 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 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.000
FCF Positive Streak 0 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence — — — — — — — — 0.97 0.98 0.96 0.99 0.98 0.99 0.97 0.99 0.99 0.99 0.99 0.990
Earnings Smoothness — — — — 0.00 0.17 0.56 0.97 0.91 0.94 0.90 0.98 0.95 0.97 0.94 0.98 0.97 0.98 0.98 0.976
ROE Trend — — — — — — — — 0.05 0.02 -0.00 -0.02 -0.02 -0.02 -0.02 -0.02 -0.02 -0.01 -0.01 -0.013
Gross Margin Trend — — — — — — — — 0.01 -0.01 -0.05 -0.05 -0.05 -0.04 -0.04 -0.05 -0.05 0.00 0.05 0.053
FCF Margin Trend — — — — — — — — 0.01 0.01 0.08 0.05 0.07 0.04 0.06 0.04 0.01 0.03 -0.02 -0.016
Sustainable Growth Rate 3.5% 2.2% 6.2% 10.6% 11.7% 11.0% 10.8% 9.8% 9.1% 10.4% 10.0% 10.2% 10.5% 12.0% 12.0% 11.6% 11.2% 10.7% 10.7% 10.70%
Internal Growth Rate 2.5% 1.6% 4.5% 8.0% 8.8% 8.5% 8.3% 7.5% 6.9% 8.2% 7.9% 8.1% 8.4% 10.0% 10.0% 9.7% 9.3% 9.0% 9.0% 9.00%
Cash Flow Quality
Metric Trend 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 Current
OCF/Net Income 1.08 1.06 1.03 0.93 0.79 0.80 0.73 0.80 0.92 0.95 1.08 1.02 1.04 1.00 1.05 1.03 1.07 1.07 1.07 1.067
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 1.00 1.000
FCF/Net Income snapshot only 1.067
OCF/EBITDA snapshot only 0.793
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% 0.0% 0.00%
Accruals Ratio -0.00 -0.00 -0.00 0.01 0.03 0.02 0.03 0.02 0.01 0.01 -0.01 -0.00 -0.00 0.00 -0.01 -0.00 -0.01 -0.01 -0.01 -0.007
Sloan Accruals snapshot only -0.768
Cash Flow Adequacy snapshot only 5.892
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 Current
Dividend Yield 0.0% 7.0% 6.5% 7.4% 7.8% 7.0% 8.0% 7.4% 6.9% 4.8% 4.5% 4.7% 4.0% 2.3% 2.2% 2.1% 2.1% 2.1% 2.1% 2.05%
Dividend/Share $0.00 $1.23 $1.23 $1.37 $1.51 $1.53 $1.68 $1.70 $1.73 $1.32 $1.35 $1.38 $1.42 $0.72 $0.75 $0.77 $0.80 $0.83 $0.86 $0.87
Payout Ratio 0.0% 68.9% 44.0% 33.8% 34.4% 35.6% 38.2% 40.7% 42.8% 32.0% 33.2% 32.9% 32.6% 16.2% 16.5% 17.2% 18.0% 17.9% 18.1% 18.12%
FCF Payout Ratio 0.0% 64.8% 42.6% 36.5% 43.7% 44.7% 52.7% 50.6% 46.5% 33.7% 30.8% 32.4% 31.3% 16.3% 15.8% 16.7% 16.9% 16.7% 17.0% 16.97%
Total Payout Ratio 0.0% 68.9% 44.0% 33.8% 34.4% 35.6% 41.3% 50.1% 53.5% 45.2% 50.9% 51.3% 60.0% 51.7% 54.0% 60.9% 68.0% 74.6% 78.8% 78.79%
Div. Increase Streak — 0 0 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0
Chowder Number — — — — — 0.32 0.45 0.31 0.20 -0.10 -0.17 -0.16 -0.16 -0.45 -0.45 -0.45 -0.44 0.10 0.09 0.092
Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.7% 1.7% 1.7% 2.0% 2.4% 2.6% 3.4% 5.0% 5.0% 5.3% 5.8% 6.6% 7.0% 7.05%
Net Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.7% 1.7% 1.7% 2.0% 2.4% 2.6% 3.4% 5.0% 5.0% 5.3% 5.8% 6.6% 7.0% 7.05%
Total Shareholder Return 0.0% 7.0% 6.5% 7.4% 7.8% 7.0% 8.7% 9.0% 8.6% 6.8% 6.9% 7.3% 7.4% 7.3% 7.2% 7.4% 7.9% 8.7% 9.2% 9.15%
DuPont Factors
Metric Trend 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 Current
Tax Burden (NI/EBT) 0.79 0.79 0.79 0.79 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.78 0.79 0.79 0.786
Interest Burden (EBT/EBIT) 0.93 0.94 0.94 0.94 0.95 0.95 0.95 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.95 0.95 0.94 0.95 0.95 0.945
EBIT Margin 0.67 0.71 0.75 0.81 0.88 0.87 0.87 0.83 0.78 0.78 0.76 0.76 0.77 0.77 0.77 0.75 0.73 0.74 0.73 0.735
Asset Turnover 0.05 0.09 0.14 0.19 0.19 0.19 0.19 0.19 0.20 0.19 0.20 0.20 0.20 0.19 0.19 0.19 0.19 0.18 0.18 0.185
Equity Multiplier 1.46 1.43 1.43 1.43 1.44 1.41 1.41 1.41 1.41 1.36 1.36 1.36 1.36 1.32 1.32 1.32 1.32 1.30 1.30 1.296
Per Share
Metric Trend 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 Current
EPS (Diluted TTM) $0.84 $1.79 $2.79 $4.04 $4.37 $4.31 $4.38 $4.19 $4.05 $4.14 $4.06 $4.20 $4.35 $4.45 $4.53 $4.49 $4.45 $4.64 $4.74 $4.74
Book Value/Share $23.84 $25.21 $25.18 $25.15 $25.13 $25.08 $25.13 $25.29 $25.45 $28.79 $28.94 $29.21 $29.50 $32.33 $32.67 $33.15 $33.68 $36.86 $37.54 $37.74
Tangible Book/Share $23.84 $25.12 $25.09 $25.06 $25.04 $25.08 $25.13 $25.29 $25.45 $28.79 $28.94 $29.21 $29.50 $32.17 $32.52 $32.99 $33.52 $36.86 $37.54 $37.54
Revenue/Share $1.72 $3.40 $5.05 $6.72 $6.68 $6.70 $6.78 $6.85 $7.04 $7.17 $7.27 $7.48 $7.62 $7.78 $7.96 $8.11 $8.26 $8.50 $8.69 $8.75
FCF/Share $0.91 $1.90 $2.88 $3.74 $3.45 $3.43 $3.18 $3.37 $3.73 $3.93 $4.37 $4.27 $4.52 $4.44 $4.75 $4.65 $4.75 $4.99 $5.06 $5.10
OCF/Share $0.91 $1.90 $2.88 $3.74 $3.45 $3.43 $3.18 $3.37 $3.73 $3.93 $4.37 $4.27 $4.52 $4.44 $4.75 $4.65 $4.75 $4.99 $5.06 $5.10
Cash/Share $33.77 $34.95 $34.91 $34.87 $34.84 $33.03 $33.10 $33.31 $33.52 $36.68 $36.87 $37.22 $37.59 $13.77 $13.92 $14.12 $14.35 $4.01 $4.08 $3.88
EBITDA/Share $1.15 $2.43 $3.79 $5.46 $5.89 $5.81 $5.91 $5.66 $5.50 $5.61 $5.53 $5.71 $5.87 $6.01 $6.11 $6.05 $6.02 $6.25 $6.39 $6.39
Debt/Share $4.53 $4.55 $4.54 $4.54 $4.53 $4.54 $4.55 $4.58 $4.61 $4.63 $4.66 $4.70 $4.75 $4.81 $4.86 $4.93 $5.01 $5.12 $5.22 $5.22
Net Debt/Share $-29.24 $-30.40 $-30.37 $-30.34 $-30.31 $-28.49 $-28.55 $-28.73 $-28.91 $-32.05 $-32.21 $-32.52 $-32.84 $-8.97 $-9.06 $-9.19 $-9.34 $1.11 $1.14 $1.14
Academic Models
Metric Trend 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 Current
Altman-I Score — — — — — — — — — — — — — — — — — — — 17.489
Altman Z-Prime snapshot only 7.111
Piotroski F-Score 4 4 4 3 6 4 5 5 4 6 6 7 8 7 7 6 5 6 6 6
Beneish M-Score — — — — -3.34 -2.35 -2.36 -2.28 -2.34 -3.24 -3.23 -3.30 -3.30 -2.70 -2.70 -2.62 -2.67 5.16 5.19 5.193
Ohlson O-Score snapshot only -10.380
ROIC (Greenblatt) snapshot only 1.70%
Net-Net WC snapshot only $-6.38
EVA snapshot only $124521100.00
Credit
Metric Trend 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 Current
Credit Rating snapshot only AA+
Credit Score 73.20 93.31 89.24 93.42 94.02 95.05 95.26 95.02 95.86 93.72 93.85 94.25 93.78 94.76 95.14 94.20 92.51 94.09 93.44 93.437
Credit Grade snapshot only 2
Credit Trend snapshot only -1.701
Implied Spread (bps) snapshot only 65.000
Industry Credit Rank snapshot only 81
Sector Credit Rank snapshot only 95

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms