Also trades as: ALL (NYSE) · $vol 417M · ALL-PG (NYSE) · $vol 2M · ALL-PJ (NYSE) · $vol 1M · ALL-PB (NYSE) · $vol 1M · ALL-PI (NYSE) · $vol 1M · 0HCZ.L (LSE) · $vol 0M · ALS.DE (XETRA) · $vol 0M

$17.86

+0.00 (+0.00%)

Weekly Expected Move ±1.4%

$17 $18 $18 $18 $18

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Strong Sell · Power 30 · $44.4B mcap · 2.47B float · 0.0052% daily turnover

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

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

Analyst Recommendations

Strong Buy: 1Buy: 9Hold: 17Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

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+

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. ALL-PH receives an overall rating of A+. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5), P/E (4/5), P/B (5/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-08-12	S-	A+
2026-07-25	A+	S-
2026-05-11	S-	A+
2026-04-30	A+	S-
2026-04-29	S-	A+
2026-04-27	A+	S-
2026-04-24	S-	A+
2026-03-06	S	S-
2026-02-20	S-	S
2026-01-03	A+	S-

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.

★ ★ ★ ★ ★ 61 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. ALL-PH scores highest in Safety (100/100) and lowest in Balance Sheet (63/100). An overall grade of A places ALL-PH 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

10.77

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.85

Unlikely Manipulator

Ohlson O-Score

-7.09

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AAA

Score: 97.8/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.94x

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. ALL-PH scores 10.77, 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. ALL-PH 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. ALL-PH's score of -2.85 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. ALL-PH's implied 0.1% 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. ALL-PH receives an estimated rating of AAA (score: 97.8/100), with a improving 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). ALL-PH's score of 75/100 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

4.41x

PEG

0.03x

P/S

0.83x

P/B

1.70x

P/FCF

0.42x

P/OCF

0.41x

EV/EBITDA

0.39x

EV/Revenue

0.10x

EV/EBIT

0.40x

EV/FCF

0.57x

Earnings Yield

258.38%

FCF Yield

237.80%

Shareholder Yield

70.74%

Graham Number

$387.70

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 4.4x earnings, ALL-PH trades at a deep value multiple. An earnings yield of 258.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $387.70 per share, suggesting a potential 2071% 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

0.784

NI / EBT

Interest Burden

0.976

EBT / EBIT

EBIT Margin

0.251

EBIT / Rev

Asset Turnover

0.575

Rev / Assets

Equity Multiplier

4.169

Assets / Equity

ROE

46.1%

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. ALL-PH's ROE of 46.1% is driven by financial leverage (equity multiplier: 4.17x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$1977.60

Price/Value

0.01x

Margin of Safety

98.99%

Premium

-98.99%

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 ALL-PH's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. At an intrinsic value of $1977.60, ALL-PH appears undervalued with a 99% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 4.4x.

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

$17.87

Median 1Y

$17.53

5th Pctile

$12.75

95th Pctile

$24.09

Ann. Volatility

19.0%

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
Edward M. Liddy (Chairman, President and Chief Executive Officer)	$1,078,746	$2,256,380	$7,501,404
Danny L. Hale (Vice President and Chief Financial Officer)	$517,391	$1,558,498	$3,874,275
Thomas J. Wilson, II (President, Allstate Protection)	$624,996	$838,992	$2,895,440
Robert W. Pike (Executive Vice President Administration and Secretary)	$503,625	$565,684	$2,356,842
Eric A. Simonson (President, Allstate Investments, LLC)	$472,500	$521,192	$2,106,641

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

53,000

-3.6% YoY

Revenue / Employee

$1,253,962

Rev: $66,460,000,000

Profit / Employee

$194,000

NI: $10,282,000,000

SGA / Employee

$-566

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	12.6%	5.8%	14.6%	4.1%	-0.9%	-6.1%	-11.2%	-14.7%	-12.2%	-1.1%	7.5%	17.8%	23.8%	23.8%	19.9%	27.3%	34.6%	39.5%	45.3%	46.1%	46.12%
ROA	2.7%	1.4%	3.2%	0.9%	-0.2%	-1.3%	-2.3%	-2.7%	-2.0%	-0.2%	1.3%	2.9%	3.9%	4.3%	3.7%	5.2%	7.2%	8.9%	10.2%	11.1%	11.06%
ROIC	24.2%	18.2%	13.2%	4.1%	-0.1%	-7.1%	-13.0%	-15.6%	-11.2%	-1.4%	6.1%	14.6%	19.8%	18.9%	17.6%	26.8%	32.1%	31.6%	36.2%	37.9%	37.92%
ROCE	6.5%	6.8%	4.7%	1.5%	0.3%	-1.5%	-2.7%	-3.1%	-2.2%	0.0%	1.8%	3.8%	4.9%	5.5%	4.7%	6.6%	23.2%	27.8%	40.9%	32.9%	32.91%
Gross Margin	16.0%	12.4%	19.5%	6.8%	7.1%	10.8%	9.5%	0.7%	13.8%	25.8%	22.0%	16.2%	22.6%	30.1%	18.6%	24.4%	36.6%	53.0%	45.3%	34.7%	34.75%
Operating Margin	1.9%	12.6%	6.7%	-10.9%	-7.0%	-3.1%	-3.0%	-12.6%	-0.1%	12.4%	9.7%	2.8%	8.6%	15.0%	4.4%	16.3%	28.2%	29.6%	18.9%	22.8%	22.80%
Net Margin	4.5%	7.4%	5.5%	-8.4%	-5.1%	-2.1%	-2.3%	-9.7%	-0.0%	10.1%	8.1%	2.1%	7.2%	11.8%	3.7%	12.7%	22.0%	23.1%	14.5%	17.6%	17.60%
EBITDA Margin	4.5%	15.8%	9.3%	-8.4%	-4.9%	-1.0%	-1.0%	-10.6%	1.7%	14.2%	11.2%	4.2%	10.1%	16.5%	5.8%	17.7%	29.5%	30.9%	19.4%	23.0%	23.02%
FCF Margin	10.6%	9.9%	7.8%	8.3%	9.6%	9.3%	9.5%	8.3%	6.7%	7.0%	8.7%	10.5%	13.3%	13.7%	13.9%	13.0%	13.0%	14.9%	17.2%	17.7%	17.70%
OCF Margin	11.3%	10.6%	8.7%	9.1%	10.4%	10.1%	10.2%	8.9%	7.2%	7.5%	9.1%	10.8%	13.6%	14.1%	14.3%	13.3%	13.3%	15.2%	17.4%	18.0%	18.02%
ROE 3Y Avg	snapshot only																				26.68%
ROE 5Y Avg	snapshot only																				13.64%
ROA 3Y Avg	snapshot only																				6.16%
ROIC 3Y Avg	snapshot only																				22.19%
ROIC Economic	snapshot only																				33.80%
Cash ROA	snapshot only																				9.99%
Cash ROIC	snapshot only																				35.15%
CROIC	snapshot only																				34.53%
NOPAT Margin	snapshot only																				19.45%
Pretax Margin	snapshot only																				24.55%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				9.55%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	1.91	3.95	1.57	5.06	-24.29	-3.45	-2.25	-1.94	-2.33	-27.02	4.06	1.79	1.47	1.21	1.35	0.93	0.71	0.54	0.43	0.39	4.413
P/S Ratio	0.13	0.13	0.12	0.11	0.10	0.09	0.10	0.09	0.08	0.09	0.09	0.09	0.10	0.09	0.08	0.08	0.09	0.08	0.08	0.07	0.832
P/B Ratio	0.24	0.25	0.25	0.25	0.27	0.26	0.29	0.33	0.31	0.29	0.29	0.29	0.30	0.26	0.25	0.23	0.22	0.18	0.16	0.15	1.700
P/FCF	1.25	1.32	1.52	1.29	1.03	0.95	1.04	1.14	1.23	1.28	1.08	0.87	0.76	0.64	0.61	0.64	0.69	0.56	0.45	0.42	0.421
P/OCF	1.17	1.23	1.37	1.18	0.94	0.87	0.97	1.06	1.15	1.20	1.04	0.84	0.73	0.63	0.59	0.62	0.67	0.55	0.44	0.41	0.413
EV/EBITDA	0.76	1.21	1.46	3.29	6.46	-11.44	-3.22	-3.03	-5.52	9.74	3.21	1.62	1.06	1.26	1.03	0.35	0.37	0.53	0.44	0.39	0.391
EV/Revenue	0.15	0.20	0.17	0.17	0.16	0.15	0.12	0.13	0.15	0.13	0.14	0.13	0.10	0.13	0.10	0.04	0.07	0.11	0.11	0.10	0.100
EV/EBIT	0.85	1.40	1.81	5.52	25.61	-5.00	-2.29	-2.30	-3.70	230.83	4.32	1.86	1.17	1.37	1.14	0.38	0.39	0.55	0.46	0.40	0.398
EV/FCF	1.41	1.99	2.19	2.01	1.71	1.60	1.26	1.61	2.23	1.81	1.63	1.22	0.79	0.97	0.69	0.34	0.50	0.76	0.63	0.57	0.566
Earnings Yield	52.5%	25.3%	63.7%	19.8%	-4.1%	-29.0%	-44.4%	-51.5%	-43.0%	-3.7%	24.6%	55.9%	68.1%	83.0%	74.1%	1.1%	1.4%	1.9%	2.3%	2.6%	2.58%
FCF Yield	80.2%	75.6%	65.6%	77.5%	97.3%	1.1%	96.0%	87.8%	81.3%	78.0%	92.3%	1.2%	1.3%	1.6%	1.6%	1.6%	1.5%	1.8%	2.2%	2.4%	2.38%
PEG Ratio	snapshot only																				0.033
Price/Tangible Book	snapshot only																				0.168
EV/OCF	snapshot only																				0.556
EV/Gross Profit	snapshot only																				0.238
Acquirers Multiple	snapshot only																				0.403
Shareholder Yield	snapshot only																				70.74%
Graham Number	snapshot only																				$387.70

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.43	0.37	0.38	0.24	0.244
Quick Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.43	0.37	0.38	0.24	0.244
Debt/Equity	0.30	0.32	0.34	0.40	0.45	0.46	0.48	0.51	0.54	0.45	0.43	0.43	0.39	0.38	0.37	0.34	0.29	0.24	0.24	0.22	0.222
Net Debt/Equity	0.03	0.13	0.11	0.14	0.18	0.17	0.06	0.14	0.25	0.12	0.15	0.12	0.01	0.13	0.03	-0.11	-0.06	0.06	0.07	0.05	0.053
Debt/Assets	0.06	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.060
Debt/EBITDA	0.82	1.01	1.42	3.33	6.52	-12.10	-4.40	-3.35	-5.30	10.81	3.09	1.72	1.32	1.20	1.35	0.98	0.70	0.53	0.46	0.42	0.423
Net Debt/EBITDA	0.09	0.41	0.45	1.18	2.58	-4.64	-0.56	-0.89	-2.48	2.82	1.08	0.47	0.04	0.42	0.12	-0.31	-0.14	0.14	0.13	0.10	0.100
Interest Coverage	26.66	20.54	13.90	4.48	0.92	-4.49	-8.01	-8.87	-6.29	0.08	4.90	10.49	13.66	15.40	13.45	19.00	27.59	33.97	40.22	44.27	44.275
Equity Multiplier	4.99	3.95	4.19	4.79	5.53	5.60	5.70	6.48	6.93	5.82	5.65	5.83	5.45	5.21	5.22	4.83	4.38	3.91	3.92	3.70	3.702
Cash Ratio	snapshot only																				0.079
Debt Service Coverage	snapshot only																				45.079
Cash to Debt	snapshot only																				0.762
FCF to Debt	snapshot only																				1.635
Defensive Interval	snapshot only																				535.2 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	0.38	0.43	0.42	0.41	0.42	0.51	0.53	0.55	0.56	0.56	0.57	0.57	0.58	0.59	0.59	0.59	0.57	0.57	0.56	0.58	0.575
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.85	3.01	2.65	2.64	2.53	2.72	2.77	2.91	2.89	3.01	3.03	3.12	3.16	3.31	3.20	3.25	3.20	3.36	4.09	4.22	4.221
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	128	121	138	139	144	134	132	126	126	121	121	117	116	110	114	112	114	109	89	86	86.5 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	128	121	138	139	144	134	132	126	126	121	121	117	116	110	114	112	114	109	89	86	—
Fixed Asset Turnover	snapshot only																				117.069
Cash Velocity	snapshot only																				12.113
Capital Intensity	snapshot only																				1.803

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	15.9%	12.2%	5.0%	-1.2%	-2.2%	4.7%	8.9%	14.1%	14.9%	12.1%	11.4%	10.9%	12.1%	12.2%	11.6%	9.8%	6.9%	4.6%	3.7%	5.4%	5.39%
Net Income	-27.9%	-71.3%	-0.2%	-75.1%	-1.1%	-1.8%	-1.6%	-3.6%	-9.1%	85.5%	1.6%	2.2%	3.2%	25.8%	2.0%	92.0%	98.2%	1.2%	2.0%	1.3%	1.29%
EPS	-24.0%	-69.5%	8.6%	-72.4%	-1.1%	-1.9%	-1.7%	-3.7%	-9.3%	85.5%	1.6%	2.1%	3.1%	25.5%	2.0%	91.4%	99.3%	1.2%	2.1%	1.4%	1.36%
FCF	3.5%	-7.9%	-32.5%	-24.3%	-11.4%	-1.5%	31.4%	13.3%	-19.6%	-15.7%	2.9%	40.6%	1.2%	1.2%	77.1%	36.4%	5.1%	13.3%	28.6%	43.4%	43.45%
EBITDA	35.4%	-4.7%	-45.9%	-78.1%	-87.4%	-1.1%	-1.3%	-2.0%	-2.2%	2.1%	2.3%	3.0%	5.1%	8.1%	1.3%	75.6%	90.0%	1.1%	1.7%	1.1%	1.15%
Op. Income	35.6%	-11.0%	-54.4%	-88.5%	-1.0%	-1.3%	-1.7%	-4.1%	-95.1%	81.1%	1.5%	2.1%	3.0%	17.6%	2.3%	97.0%	1.1%	1.3%	2.1%	1.4%	1.36%
OCF Growth	snapshot only																				42.62%
Asset Growth	snapshot only																				7.65%
Equity Growth	snapshot only																				40.30%
Debt Growth	snapshot only																				-7.36%
Shares Change	snapshot only																				-3.28%
Dividend Growth	snapshot only																				10.18%

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	—	—	—	—	63.2%	30.8%	17.1%	8.0%	9.2%	9.6%	8.4%	7.7%	8.0%	9.6%	10.6%	11.6%	11.2%	9.6%	8.8%	8.7%	8.70%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	41.1%	23.0%	14.8%	8.9%	9.3%	9.1%	8.1%	7.7%	7.68%
EPS 3Y	—	—	—	—	—	—	—	—	—	—	-24.8%	-5.0%	11.3%	46.4%	5.3%	81.1%	—	—	—	—	—
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	41.4%	16.0%	8.4%	8.9%	15.9%	16.5%	31.2%	31.1%	31.11%
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	-28.2%	-9.0%	7.5%	42.9%	3.6%	79.8%	—	—	—	—	—
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	35.3%	11.5%	4.4%	5.3%	12.1%	13.0%	27.2%	27.0%	27.05%
EBITDA 3Y	—	—	—	—	-4.4%	—	—	—	—	-55.3%	-37.2%	-24.6%	-14.2%	-5.1%	2.1%	51.0%	1.1%	—	—	—	—
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	34.3%	11.6%	3.0%	4.0%	10.2%	11.2%	9.6%	10.1%	10.12%
Gross Profit 3Y	—	—	—	—	23.4%	-5.6%	-22.4%	-34.3%	-29.0%	-20.7%	-16.9%	-10.0%	-3.3%	7.8%	15.3%	34.4%	49.4%	58.6%	81.3%	97.9%	97.90%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	35.7%	17.1%	8.2%	3.4%	6.2%	8.9%	10.8%	12.8%	12.84%
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	-45.2%	-27.4%	-15.0%	-3.7%	6.0%	87.3%	—	—	—	—	—
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	34.7%	11.2%	2.6%	4.7%	11.6%	12.7%	11.1%	12.2%	12.19%
FCF 3Y	—	—	—	—	39.1%	18.8%	9.3%	-6.9%	-9.7%	-8.6%	-3.0%	6.4%	16.5%	22.3%	33.8%	29.5%	23.3%	28.1%	32.8%	40.1%	40.11%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	36.8%	25.4%	18.9%	9.1%	11.4%	13.8%	15.8%	18.7%	18.73%
OCF 3Y	—	—	—	—	39.9%	18.6%	8.9%	-7.0%	-9.8%	-8.3%	-3.3%	5.4%	14.9%	20.4%	30.4%	26.6%	20.7%	25.4%	30.3%	37.6%	37.60%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	35.8%	23.8%	17.7%	8.0%	10.3%	13.0%	14.9%	17.7%	17.65%
Assets 3Y	—	—	—	—	-6.9%	-6.5%	-5.0%	-6.1%	-6.2%	-6.4%	-6.8%	-6.5%	-5.2%	3.9%	5.8%	6.3%	7.2%	6.9%	7.6%	7.5%	7.47%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	-1.2%	-1.4%	-0.2%	-0.9%	-0.4%	-1.0%	-0.9%	-1.2%	-1.22%
Equity 3Y	—	—	—	—	-12.2%	-12.4%	-10.2%	-16.8%	-18.8%	-16.2%	-11.4%	-13.0%	-7.9%	-5.2%	-1.7%	6.1%	15.9%	20.5%	21.8%	29.5%	29.50%
Book Value 3Y	—	—	—	—	-5.7%	-6.0%	-4.0%	-11.5%	-13.7%	-11.9%	-7.2%	-9.2%	-4.6%	-2.9%	-0.0%	6.9%	16.2%	20.5%	21.9%	30.1%	30.08%
Dividend 3Y	—	—	—	—	11.4%	8.4%	5.6%	5.5%	5.5%	5.2%	5.4%	5.4%	5.6%	4.0%	3.2%	2.5%	2.0%	2.2%	2.5%	2.6%	2.60%

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	0.88	0.90	0.86	0.66	0.72	0.82	0.87	0.86	0.84	0.97	0.96	0.87	0.87	0.94	0.99	0.95	0.97	0.98	0.98	0.98	0.981
Earnings Stability	0.41	0.07	0.74	0.85	0.07	0.53	0.55	0.92	0.39	0.56	0.37	0.27	0.02	0.04	0.04	0.00	0.08	0.18	0.28	0.44	0.441
Margin Stability	0.90	0.84	0.72	0.59	0.63	0.60	0.50	0.39	0.41	0.48	0.43	0.39	0.53	0.61	0.59	0.51	0.51	0.52	0.46	0.47	0.467
Rev. Growth Consistency	1.00	1.00	1.00	0.00	0.00	1.00	1.00	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	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.89	0.50	1.00	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.68	0.00	1.00	0.00	—	—	—	—	—	—	—	—	—	—	0.00	0.37	0.34	0.25	0.00	0.22	0.217
ROE Trend	0.02	-0.08	0.02	-0.10	-0.16	-0.20	-0.28	-0.26	-0.19	-0.01	0.06	0.22	0.28	0.26	0.21	0.25	0.27	0.23	0.26	0.19	0.192
Gross Margin Trend	0.01	-0.07	-0.13	-0.19	-0.20	-0.18	-0.19	-0.17	-0.12	-0.05	0.02	0.09	0.12	0.11	0.10	0.11	0.12	0.15	0.21	0.20	0.205
FCF Margin Trend	-0.03	-0.02	-0.04	-0.04	-0.02	-0.02	-0.01	-0.01	-0.03	-0.03	0.00	0.02	0.05	0.06	0.05	0.04	0.03	0.05	0.06	0.06	0.060
Sustainable Growth Rate	9.2%	2.2%	10.3%	-0.2%	—	—	—	—	—	—	1.7%	11.6%	17.8%	18.3%	14.5%	22.1%	29.9%	35.1%	40.9%	42.0%	42.01%
Internal Growth Rate	2.0%	0.5%	2.3%	—	—	—	—	—	—	—	0.3%	1.9%	3.0%	3.5%	2.8%	4.4%	6.6%	8.6%	10.1%	11.2%	11.21%

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	1.63	3.20	1.14	4.30	-25.75	-3.95	-2.32	-1.83	-2.03	-22.49	3.92	2.14	2.00	1.91	2.28	1.50	1.05	0.98	0.96	0.94	0.937
FCF/OCF	0.94	0.93	0.90	0.91	0.92	0.92	0.93	0.93	0.93	0.94	0.96	0.97	0.97	0.98	0.97	0.98	0.98	0.98	0.98	0.98	0.982
FCF/Net Income	snapshot only																				0.920
OCF/EBITDA	snapshot only																				0.704
CapEx/Revenue	0.7%	0.7%	0.9%	0.8%	0.9%	0.8%	0.7%	0.6%	0.5%	0.5%	0.4%	0.4%	0.4%	0.3%	0.4%	0.3%	0.3%	0.3%	0.3%	0.3%	0.32%
CapEx/Depreciation	snapshot only																				0.696
Accruals Ratio	-0.02	-0.03	-0.00	-0.03	-0.05	-0.07	-0.08	-0.08	-0.06	-0.04	-0.04	-0.03	-0.04	-0.04	-0.05	-0.03	-0.00	0.00	0.00	0.01	0.007
Sloan Accruals	snapshot only																				-0.716
Cash Flow Adequacy	snapshot only																				8.875
Earnings Quality Score	snapshot only																				0.750

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	14.3%	15.8%	18.6%	20.8%	21.9%	23.1%	20.0%	20.2%	22.3%	20.3%	19.0%	19.4%	17.3%	19.2%	20.0%	20.4%	19.1%	20.8%	22.5%	23.0%	1.90%
Dividend/Share	$3.13	$3.46	$3.78	$3.84	$3.87	$3.90	$3.89	$3.90	$3.88	$3.90	$3.92	$3.95	$4.01	$4.02	$4.07	$4.15	$4.25	$4.36	$4.46	$4.57	$4.24
Payout Ratio	27.3%	62.5%	29.2%	1.0%	—	—	—	—	—	—	77.3%	34.8%	25.4%	23.1%	27.0%	19.1%	13.5%	11.2%	9.6%	8.9%	8.90%
FCF Payout Ratio	17.9%	20.9%	28.4%	26.8%	22.5%	21.9%	20.8%	23.0%	27.4%	26.1%	20.6%	16.9%	13.1%	12.4%	12.2%	13.0%	13.1%	11.7%	10.1%	9.7%	9.67%
Total Payout Ratio	1.1%	2.9%	1.3%	4.8%	—	—	—	—	—	—	1.3%	35.7%	25.4%	23.2%	29.5%	26.7%	23.1%	23.2%	24.0%	27.4%	27.38%
Div. Increase Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1
Chowder Number	0.33	0.45	0.55	0.44	0.34	0.26	0.16	0.18	0.20	0.20	0.21	0.22	0.23	0.24	0.24	0.26	0.24	0.28	0.30	0.30	0.296
Buyback Yield	41.7%	56.6%	64.0%	74.5%	63.6%	56.4%	36.5%	37.8%	28.1%	17.9%	13.8%	0.5%	0.0%	0.0%	1.9%	8.1%	13.5%	22.2%	33.7%	47.7%	47.74%
Net Buyback Yield	41.1%	56.1%	63.6%	74.0%	63.6%	56.4%	36.5%	26.1%	15.1%	5.2%	0.5%	-2.2%	-3.3%	-2.6%	0.6%	6.9%	13.3%	21.9%	33.4%	46.7%	46.75%
Total Shareholder Return	55.5%	72.0%	82.2%	94.8%	85.5%	79.4%	56.5%	46.3%	37.4%	25.5%	19.6%	17.2%	14.0%	16.6%	20.6%	27.3%	32.5%	42.7%	56.0%	69.8%	69.75%

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)	0.41	0.25	0.86	0.90	7.22	0.70	0.75	0.75	0.76	0.54	0.89	0.82	0.82	0.81	0.81	0.80	0.78	0.78	0.78	0.78	0.784
Interest Burden (EBT/EBIT)	0.96	0.95	0.93	0.78	-0.09	1.22	1.12	1.11	1.16	-11.23	0.80	0.90	0.93	0.94	0.93	0.95	0.96	0.97	0.97	0.98	0.976
EBIT Margin	0.18	0.14	0.10	0.03	0.01	-0.03	-0.05	-0.06	-0.04	0.00	0.03	0.07	0.09	0.10	0.08	0.12	0.17	0.20	0.24	0.25	0.251
Asset Turnover	0.38	0.43	0.42	0.41	0.42	0.51	0.53	0.55	0.56	0.56	0.57	0.57	0.58	0.59	0.59	0.59	0.57	0.57	0.56	0.58	0.575
Equity Multiplier	4.74	4.07	4.54	4.74	5.21	4.63	4.83	5.52	6.16	5.71	5.67	6.12	6.06	5.48	5.42	5.26	4.84	4.45	4.46	4.17	4.169

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$11.43	$5.53	$12.92	$3.66	$-0.73	$-4.90	$-8.64	$-9.96	$-7.49	$-0.71	$5.07	$11.36	$15.78	$17.37	$15.10	$21.73	$31.45	$38.84	$46.25	$51.37	$51.37
Book Value/Share	$89.72	$87.12	$82.37	$73.47	$65.77	$66.14	$66.39	$59.09	$55.74	$67.13	$69.94	$69.61	$77.90	$79.80	$82.36	$89.66	$103.25	$115.64	$120.36	$130.06	$131.55
Tangible Book/Share	$78.35	$70.09	$69.96	$60.70	$52.74	$48.45	$53.10	$45.75	$42.36	$50.25	$56.80	$56.50	$65.94	$64.92	$70.72	$78.02	$68.66	$78.47	$108.49	$118.02	$118.02
Revenue/Share	$165.06	$166.83	$169.65	$172.49	$179.02	$190.94	$197.61	$205.15	$211.05	$213.79	$217.68	$223.76	$231.15	$236.38	$241.70	$245.05	$248.54	$251.08	$255.67	$267.03	$270.27
FCF/Share	$17.47	$16.51	$13.29	$14.35	$17.16	$17.78	$18.68	$16.96	$14.17	$14.96	$19.00	$23.44	$30.67	$32.46	$33.49	$31.87	$32.42	$37.33	$43.91	$47.28	$47.85
OCF/Share	$18.68	$17.70	$14.76	$15.72	$18.69	$19.37	$20.08	$18.23	$15.18	$15.97	$19.86	$24.27	$31.53	$33.24	$34.46	$32.64	$33.13	$38.19	$44.58	$48.12	$48.71
Cash/Share	$23.89	$16.51	$19.43	$18.81	$17.92	$18.57	$28.02	$22.22	$16.15	$22.16	$19.39	$22.04	$29.14	$19.51	$27.56	$39.70	$36.31	$21.02	$20.57	$22.05	$22.31
EBITDA/Share	$32.54	$27.21	$19.89	$8.75	$4.55	$-2.49	$-7.29	$-9.04	$-5.73	$2.78	$9.65	$17.58	$22.81	$24.99	$22.31	$30.77	$43.61	$53.03	$62.32	$68.38	$68.38
Debt/Share	$26.79	$27.60	$28.29	$29.11	$29.65	$30.12	$32.08	$30.27	$30.35	$30.00	$29.79	$30.26	$30.16	$30.09	$30.19	$30.19	$30.36	$28.30	$28.53	$28.92	$28.92
Net Debt/Share	$2.89	$11.09	$8.87	$10.30	$11.73	$11.55	$4.05	$8.05	$14.20	$7.84	$10.39	$8.22	$1.02	$10.58	$2.63	$-9.51	$-5.95	$7.27	$7.96	$6.87	$6.87

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.772
Altman Z-Prime	snapshot only																				-0.095
Piotroski F-Score	5	5	6	5	4	4	4	5	6	6	7	7	7	7	6	7	8	7	6	7	7
Beneish M-Score	-1.68	-1.27	-2.08	-0.53	-2.35	-2.48	-2.11	1.97	-3.10	-2.49	-2.73	-2.93	-2.63	-2.66	3.89	-2.54	-1.75	-2.45	-12.30	-2.85	-2.854
Ohlson O-Score	snapshot only																				-7.092
Net-Net WC	snapshot only																				$-283.68
EVA	snapshot only																				$9906124408.34

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																				AAA
Credit Score	96.75	95.25	89.00	77.25	66.25	71.75	71.75	71.75	68.00	61.50	81.00	92.75	92.75	94.00	92.75	95.50	96.75	96.75	96.75	97.75	97.750
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				2.250
Implied Spread (bps)	snapshot only																				50.000

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