$45.26

+1.11 (+2.51%)

Weekly Expected Move ±4.1%

$42 $43 $45 $47 $49

NASDAQ · Financial Services · Insurance - Specialty · Tech Score Sell · Power 39 · $6.3B mcap · 27M float · 1.37% daily turnover · Short 78% 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.

NARROW EDGE

58.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -145.4%

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. ACT has a Narrow competitive edge (58.8/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. Negative ROIC of -145.4% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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

$46

Avg Target

$46

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$45.60

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-06-25	RBC Capital	—	$47	$46	-1	+3.6%	$44.38
2026-06-25	RBC Capital	—	Initiated	$47	—	+6.2%	$44.25
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.

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. ACT receives an overall rating of A. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-08-12	A+	A
2026-08-07	A-	A+
2026-08-06	A+	A-
2026-08-04	A	A+
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+

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.

★ ★ ★ ★ ★ 73 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. ACT scores highest in Safety (100/100) and lowest in Growth (42/100). 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

21.20

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.52

Unlikely Manipulator

Ohlson O-Score

-11.61

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AA+

Score: 92.6/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.05x

Accruals: -0.5%

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 21.20, 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 7/9, signaling strong financial health across all three dimensions. 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 -2.52 falls below this threshold, suggesting earnings are unlikely to be manipulated. 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: 92.6/100), with a stable 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

9.49x

PEG

1.24x

P/S

5.05x

P/B

1.17x

P/FCF

8.90x

P/OCF

8.90x

EV/EBITDA

0.60x

EV/Revenue

0.44x

EV/EBIT

0.60x

EV/FCF

0.76x

Earnings Yield

10.65%

FCF Yield

11.24%

Shareholder Yield

8.47%

Graham Number

$64.91

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 9.5x earnings, ACT trades at a deep value multiple. An earnings yield of 10.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $64.91 per share, suggesting a potential 43% 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

0.789

NI / EBT

Interest Burden

0.945

EBT / EBIT

EBIT Margin

0.732

EBIT / Rev

Asset Turnover

0.182

Rev / Assets

Equity Multiplier

1.293

Assets / Equity

ROE

12.9%

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 12.9% is driven by EBIT Margin (0.732) 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.

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

5.17%

Fair P/E

18.85x

Intrinsic Value

$91.78

Price/Value

0.50x

Margin of Safety

50.19%

Premium

-50.19%

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 ACT's realized 5.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ACT trades at a -50% premium to its adjusted intrinsic value of $91.78, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 18.8x compares to the current market P/E of 9.5x.

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 1267 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$45.26

Median 1Y

$53.64

5th Pctile

$35.40

95th Pctile

$81.65

Ann. Volatility

24.5%

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

Executive	Salary	Stock	Total
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	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	3.3%	7.1%	11.2%	16.2%	17.2%	17.2%	17.1%	16.1%	15.2%	15.2%	14.4%	14.5%	14.4%	14.3%	14.1%	13.5%	12.7%	13.0%	12.9%	12.9%	12.87%
ROA	2.3%	5.0%	7.9%	11.5%	12.2%	12.2%	12.3%	11.6%	11.1%	11.2%	10.7%	10.9%	10.8%	10.8%	10.6%	10.3%	9.8%	10.1%	9.9%	10.0%	9.95%
ROIC	-15.3%	-34.4%	-61.2%	-98.3%	-1.3%	-1.3%	-1.4%	23.0%	21.9%	-1.3%	20.5%	20.9%	19.5%	19.1%	18.8%	18.0%	12.0%	12.2%	12.2%	-1.5%	-1.45%
ROCE	3.5%	6.9%	12.0%	17.1%	18.4%	16.6%	16.5%	15.5%	14.8%	14.6%	14.0%	14.3%	14.0%	15.5%	13.9%	13.5%	13.2%	13.4%	13.2%	13.3%	13.33%
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%	89.5%	89.52%
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%	69.3%	69.32%
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%	55.1%	55.10%
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%	73.3%	73.26%
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%	57.6%	57.56%
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%	57.6%	57.56%
ROE 3Y Avg	snapshot only																				13.14%
ROE 5Y Avg	snapshot only																				14.22%
ROA 3Y Avg	snapshot only																				10.10%
ROIC Economic	snapshot only																				11.17%
Cash ROA	snapshot only																				10.36%
NOPAT Margin	snapshot only																				54.56%
Pretax Margin	snapshot only																				69.17%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.00%
SBC / Revenue	snapshot only																				1.65%

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	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	9.39	9.488
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	5.12	5.045
P/B Ratio	0.69	0.70	0.77	0.74	0.76	0.88	0.79	0.86	0.91	0.96	1.02	0.97	1.10	0.98	1.02	1.06	1.06	1.08	1.09	1.19	1.170
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	8.90	8.898
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	8.90	8.898
EV/EBITDA	-11.78	-5.24	-2.73	-1.94	-1.60	-1.12	-1.45	2.54	2.91	-0.79	3.69	3.38	4.36	3.78	4.07	4.46	6.56	6.52	6.61	0.60	0.598
EV/Revenue	-7.88	-3.74	-2.05	-1.58	-1.41	-0.98	-1.26	2.10	2.28	-0.62	2.80	2.58	3.36	2.92	3.12	3.32	4.78	4.80	4.85	0.44	0.438
EV/EBIT	-11.78	-5.24	-2.73	-1.94	-1.60	-1.12	-1.45	2.54	2.91	-0.79	3.69	3.38	4.36	3.78	4.07	4.46	6.56	6.52	6.61	0.60	0.598
EV/FCF	-14.92	-6.70	-3.59	-2.84	-2.73	-1.91	-2.69	4.27	4.30	-1.13	4.66	4.53	5.66	5.11	5.23	5.80	8.31	8.17	8.34	0.76	0.761
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%	10.7%	10.65%
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%	11.2%	11.24%
PEG Ratio	snapshot only																				1.236
Price/Tangible Book	snapshot only																				1.194
EV/OCF	snapshot only																				0.761
EV/Gross Profit	snapshot only																				0.510
Acquirers Multiple	snapshot only																				0.633
Shareholder Yield	snapshot only																				8.47%
Graham Number	snapshot only																				$64.91

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	9.07	39.68	8.91	9.90	10.69	—	—	—	—	—	—	—	—	11.60	—	—	6.17	6.86	7.00	83.68	83.676
Quick Ratio	9.07	44.79	8.91	9.90	10.69	—	—	—	—	—	—	—	—	11.60	—	—	6.17	6.86	7.00	83.68	83.676
Debt/Equity	0.18	0.18	0.18	0.18	0.18	0.18	0.17	0.17	0.17	0.16	0.16	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	0.14	0.138
Net Debt/Equity	-1.21	-1.21	-1.18	-1.16	-1.14	-1.14	-1.12	-0.33	-0.33	-1.11	-0.33	-0.34	-0.30	-0.28	-0.28	-0.28	0.04	0.03	0.04	-1.09	-1.087
Debt/Assets	0.12	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	0.11	0.11	0.107
Debt/EBITDA	3.95	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	0.82	0.83	0.82	0.82	0.81	0.813
Net Debt/EBITDA	-27.22	-12.54	-7.76	-5.33	-4.86	-4.90	-4.99	-1.55	-1.67	-5.71	-1.74	-1.81	-1.66	-1.49	-1.53	-1.61	0.22	0.18	0.21	-6.40	-6.400
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	18.25	18.251
Equity Multiplier	1.43	1.43	1.43	1.41	1.39	1.39	1.36	1.35	1.35	1.34	1.34	1.32	1.31	1.31	1.31	1.30	1.29	1.29	1.30	1.29	1.289
Cash Ratio	snapshot only																				83.676
Debt Service Coverage	snapshot only																				18.251
Cash to Debt	snapshot only																				8.875
FCF to Debt	snapshot only																				0.968
Defensive Interval	snapshot only																				11654.7 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	0.05	0.09	0.14	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.18	0.18	0.18	0.18	0.182
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	6.46	13.09	20.38	26.72	26.05	26.07	26.85	26.26	26.80	26.58	27.10	25.71	25.68	24.50	26.94	26.36	25.13	24.90	26.42	22.62	22.615
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	57	28	18	14	14	14	14	14	14	14	13	14	14	15	14	14	15	15	14	16	16.1 days
DIO	0	-1706	0	0	0	-930	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	57	-1678	18	14	14	-916	14	14	14	14	13	14	14	15	14	14	15	15	14	16	—
Cash Velocity	snapshot only																				0.189
Capital Intensity	snapshot only																				5.555

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	—	—	—	—	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%	2.4%	2.40%
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%	0.9%	0.93%
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%	8.4%	8.42%
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%	2.9%	2.90%
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%	0.4%	0.45%
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%	0.4%	0.35%
OCF Growth	snapshot only																				2.90%
Asset Growth	snapshot only																				2.70%
Equity Growth	snapshot only																				3.30%
Debt Growth	snapshot only																				0.15%
Shares Change	snapshot only																				-6.91%
Dividend Growth	snapshot only																				14.53%

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	—	—	—	—	—	—	—	—	—	—	—	—	62.2%	29.5%	13.9%	3.7%	3.9%	4.1%	3.9%	4.1%	4.10%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	72.8%	35.6%	17.5%	3.6%	0.6%	2.5%	2.6%	5.2%	5.17%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	70.7%	33.3%	15.0%	0.8%	-2.6%	-1.4%	-1.9%	0.2%	0.22%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	70.1%	33.0%	14.8%	0.8%	-2.4%	-1.5%	-1.9%	-0.1%	-0.06%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	70.7%	33.5%	15.2%	0.8%	-2.4%	0.6%	1.8%	5.4%	5.41%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	70.8%	33.4%	15.1%	0.9%	-2.5%	-1.5%	-1.9%	0.0%	0.01%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	68.7%	30.5%	15.6%	4.7%	7.7%	8.9%	11.6%	9.7%	9.71%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	68.7%	30.5%	15.6%	4.7%	7.7%	8.9%	11.6%	9.7%	9.71%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	3.3%	3.6%	5.1%	5.5%	6.3%	6.5%	6.0%	5.5%	5.50%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	6.2%	6.8%	8.1%	8.6%	8.9%	9.3%	7.5%	7.2%	7.23%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	7.5%	8.6%	10.5%	11.5%	12.5%	13.7%	12.5%	12.5%	12.53%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-6.2%	-17.9%	-17.3%	-16.7%	-16.2%	6.8%	7.0%	7.2%	7.21%

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	—	—	—	—	—	—	—	—	0.79	0.82	0.87	0.86	0.69	0.74	0.83	0.94	0.98	0.98	0.97	0.95	0.949
Earnings Stability	—	—	—	—	—	—	—	—	0.66	0.67	0.52	0.10	0.55	0.56	0.50	0.30	0.44	0.45	0.40	0.54	0.539
Margin Stability	—	—	—	—	—	—	—	—	0.86	0.90	0.91	0.97	0.89	0.92	0.93	0.95	0.92	0.95	0.94	0.94	0.936
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	1.00	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	1.00	1.000
FCF Positive Streak	0	0	0	0	1	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	1.00	0.996
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	0.99	0.991
ROE Trend	—	—	—	—	—	—	—	—	0.04	0.02	-0.00	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.01	-0.01	-0.007
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	0.10	0.099
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	0.00	0.004
Sustainable Growth Rate	3.3%	2.2%	6.3%	10.7%	11.3%	11.0%	10.6%	9.5%	8.7%	10.4%	9.7%	9.7%	9.7%	12.0%	11.8%	11.1%	10.4%	10.7%	10.6%	10.5%	10.52%
Internal Growth Rate	2.3%	1.6%	4.6%	8.2%	8.7%	8.5%	8.2%	7.4%	6.8%	8.2%	7.7%	7.9%	7.9%	10.0%	9.7%	9.3%	8.7%	9.0%	8.8%	8.9%	8.86%

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	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	1.05	1.055
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	1.00	1.000
FCF/Net Income	snapshot only																				1.055
OCF/EBITDA	snapshot only																				0.787
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%	0.0%	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	-0.01	-0.005
Sloan Accruals	snapshot only																				0.951
Cash Flow Adequacy	snapshot only																				5.790
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	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%	1.9%	1.99%
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	$0.89	$0.90
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%	18.2%	18.22%
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%	17.3%	17.27%
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%	79.6%	79.55%
Div. Increase Streak	—	0	0	0	0	1	1	1	1	0	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	0.09	0.086
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%	6.5%	6.53%
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%	6.5%	6.53%
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%	8.5%	8.47%

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)	0.79	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	0.79	0.789
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	0.95	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	0.73	0.732
Asset Turnover	0.05	0.09	0.14	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.18	0.18	0.18	0.18	0.182
Equity Multiplier	1.43	1.43	1.43	1.41	1.41	1.41	1.39	1.38	1.37	1.36	1.35	1.33	1.33	1.32	1.32	1.31	1.30	1.30	1.31	1.29	1.293

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)	$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	$4.87	$4.87
Book Value/Share	$25.80	$25.21	$24.83	$25.00	$25.20	$25.08	$26.33	$26.98	$27.66	$28.79	$29.45	$30.43	$32.07	$32.33	$33.48	$34.65	$35.85	$36.86	$37.46	$38.45	$38.68
Tangible Book/Share	$25.63	$25.12	$24.66	$24.84	$25.04	$25.08	$26.33	$26.98	$27.66	$28.79	$29.45	$30.43	$32.07	$32.17	$33.48	$34.65	$35.85	$36.86	$37.46	$38.29	$38.29
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	$8.93	$8.98
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	$5.14	$5.17
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	$5.14	$5.17
Cash/Share	$35.86	$34.95	$33.94	$33.65	$33.15	$33.03	$34.03	$13.38	$13.83	$36.68	$14.28	$15.03	$14.48	$13.77	$14.20	$14.70	$3.66	$4.01	$3.85	$47.11	$47.38
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	$6.53	$6.53
Debt/Share	$4.54	$4.55	$4.54	$4.54	$4.54	$4.54	$4.56	$4.59	$4.62	$4.63	$4.66	$4.68	$4.73	$4.81	$4.86	$4.93	$5.02	$5.12	$5.22	$5.31	$5.31
Net Debt/Share	$-31.32	$-30.40	$-29.39	$-29.11	$-28.61	$-28.49	$-29.48	$-8.79	$-9.20	$-32.05	$-9.62	$-10.35	$-9.75	$-8.97	$-9.33	$-9.76	$1.35	$1.11	$1.37	$-41.80	$-41.80

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-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	21.197
Altman Z-Prime	snapshot only																				13.214
Piotroski F-Score	4	4	4	3	6	4	6	5	5	6	6	7	7	7	7	5	6	6	7	7	7
Beneish M-Score	—	—	—	—	-1.84	-2.35	-10.74	6.61	5.28	-3.24	-3.27	-2.39	-2.40	-2.70	-2.42	-2.47	-2.49	5.16	-2.61	-2.52	-2.518
Ohlson O-Score	snapshot only																				-11.613
ROIC (Greenblatt)	snapshot only																				14.03%
Net-Net WC	snapshot only																				$35.99

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																				AA+
Credit Score	81.26	92.19	89.42	93.48	94.08	94.01	94.77	93.34	94.01	93.18	93.16	93.78	93.11	92.95	93.85	92.30	91.69	92.97	92.12	92.65	92.647
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				0.350
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				77
Sector Credit Rank	snapshot only																				95

ACT NASDAQ

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

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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