Also trades as: BANE.ME (MCX) · $vol 0M

₽737.50 ($8.81)

+4.00 (+0.55%)

Weekly Expected Move ±2.8%

₽696 ₽717 ₽738 ₽758 ₽779

MCX · Energy · Oil & Gas Integrated · Tech Score Sell · Power 44 · ₽209.2B mcap · 182M float · 0.110% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

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

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. BANEP.ME scores highest in Value (91/100) and lowest in Growth (30/100). An overall grade of A+ places BANEP.ME 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 Z-Score

3.19

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

-2.71

Unlikely Manipulator

Ohlson O-Score

-12.88

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

Score: 87.5/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 1.56x

Accruals: -5.1%

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. BANEP.ME scores 3.19, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BANEP.ME 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. BANEP.ME's score of -2.71 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. BANEP.ME'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. BANEP.ME receives an estimated rating of AA (score: 87.5/100), 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). BANEP.ME'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

4.08x

PEG

-0.10x

P/S

0.20x

P/B

0.22x

P/FCF

2.17x

P/OCF

1.19x

EV/EBITDA

1.02x

EV/Revenue

0.17x

EV/EBIT

1.41x

EV/FCF

2.17x

Earnings Yield

54.13%

FCF Yield

46.02%

Shareholder Yield

0.00%

Graham Number

$8541.92

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 4.1x earnings, BANEP.ME trades at a deep value multiple. An earnings yield of 54.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $8541.92 per share, suggesting a potential 1057% 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

0.769

NI / EBT

Interest Burden

0.992

EBT / EBIT

EBIT Margin

0.120

EBIT / Rev

Asset Turnover

0.998

Rev / Assets

Equity Multiplier

1.328

Assets / Equity

ROE

12.1%

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. BANEP.ME's ROE of 12.1% is driven by Asset Turnover (0.998), indicating efficient use of assets to generate revenue.

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

$5239.58

Price/Value

0.22x

Margin of Safety

78.27%

Premium

-78.27%

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 BANEP.ME's realized 0.0% 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 $5239.58, BANEP.ME appears undervalued with a 78% margin of safety. The adjusted fair P/E of 8.5x compares to the current market P/E of 4.1x.

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

$737.50

Median 1Y

$657.96

5th Pctile

$325.30

95th Pctile

$1330.59

Ann. Volatility

41.5%

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

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	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
ROE	24.7%	23.1%	19.6%	16.1%	11.7%	5.5%	1.2%	-2.3%	-1.5%	4.5%	10.0%	16.3%	18.9%	21.7%	26.6%	25.6%	21.4%	19.6%	12.4%	12.1%	12.13%
ROA	14.6%	13.1%	11.7%	9.8%	7.3%	3.4%	0.7%	-1.4%	-0.9%	2.7%	6.1%	9.8%	12.2%	14.0%	17.5%	17.3%	15.4%	13.9%	9.1%	9.1%	9.14%
ROIC	19.4%	18.8%	16.9%	15.3%	9.7%	4.7%	0.8%	-2.3%	-0.1%	4.6%	9.7%	14.4%	16.3%	17.1%	19.7%	20.0%	19.3%	19.9%	13.8%	11.7%	11.73%
ROCE	21.3%	20.2%	18.0%	15.7%	12.2%	6.3%	2.3%	-0.9%	-0.4%	4.9%	8.5%	13.8%	14.9%	16.2%	20.2%	20.2%	19.6%	20.5%	14.2%	13.7%	13.74%
Gross Margin	52.7%	51.4%	46.6%	57.7%	41.5%	41.5%	40.0%	37.2%	41.3%	49.8%	45.2%	51.7%	85.2%	85.2%	68.7%	85.2%	85.8%	87.7%	86.4%	86.4%	86.41%
Operating Margin	16.3%	16.3%	17.0%	8.6%	-3.2%	-6.6%	1.1%	-5.2%	7.5%	15.6%	14.9%	15.5%	18.6%	18.6%	26.3%	11.4%	14.0%	13.6%	10.3%	10.3%	10.29%
Net Margin	11.2%	10.8%	12.4%	4.1%	2.5%	-9.4%	1.9%	-6.3%	5.0%	9.7%	13.4%	10.8%	18.5%	18.5%	23.6%	8.7%	11.3%	7.6%	8.9%	8.9%	8.88%
EBITDA Margin	20.7%	21.5%	23.5%	12.3%	12.5%	0.5%	12.2%	1.6%	14.4%	19.1%	19.6%	19.8%	25.0%	25.0%	30.3%	11.4%	17.9%	17.9%	15.2%	15.2%	15.16%
FCF Margin	3.9%	0.7%	-0.1%	3.0%	1.8%	0.1%	-2.2%	-0.6%	0.3%	4.2%	2.5%	0.6%	3.0%	3.2%	7.3%	8.3%	7.6%	7.7%	6.4%	7.8%	7.79%
OCF Margin	10.6%	7.5%	7.2%	10.6%	10.0%	9.4%	8.4%	12.6%	13.5%	15.2%	11.5%	8.3%	10.2%	10.4%	13.9%	14.6%	13.5%	13.5%	12.9%	14.3%	14.27%
ROE 3Y Avg	snapshot only																				16.05%
ROE 5Y Avg	snapshot only																				12.21%
ROA 3Y Avg	snapshot only																				11.29%
ROIC 3Y Avg	snapshot only																				12.48%
ROIC Economic	snapshot only																				11.73%
Cash ROA	snapshot only																				14.02%
Cash ROIC	snapshot only																				18.25%
CROIC	snapshot only																				9.96%
NOPAT Margin	snapshot only																				9.17%
Pretax Margin	snapshot only																				11.91%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.00%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
P/E Ratio	1.37	1.47	1.65	2.00	2.06	4.78	20.78	-10.00	-16.76	4.68	2.07	1.14	0.92	1.44	1.05	1.25	1.69	1.68	1.84	1.85	4.082
P/S Ratio	0.17	0.17	0.18	0.19	0.15	0.18	0.19	0.22	0.25	0.18	0.15	0.12	0.12	0.22	0.19	0.22	0.26	0.22	0.17	0.17	0.201
P/B Ratio	0.31	0.31	0.30	0.31	0.23	0.25	0.25	0.24	0.26	0.21	0.20	0.17	0.14	0.26	0.23	0.27	0.33	0.31	0.22	0.22	0.220
P/FCF	4.43	23.97	-225.58	6.32	8.54	302.28	-8.56	-36.76	77.24	4.18	6.04	21.06	4.05	6.81	2.63	2.61	3.42	2.86	2.61	2.17	2.173
P/OCF	1.65	2.33	2.52	1.77	1.52	1.96	2.25	1.75	1.85	1.16	1.31	1.39	1.17	2.09	1.37	1.47	1.94	1.62	1.30	1.19	1.186
EV/EBITDA	1.19	1.29	1.39	1.60	1.67	2.48	3.90	6.24	6.61	3.05	2.17	1.48	0.58	0.98	0.75	0.95	1.24	1.12	1.08	1.02	1.025
EV/Revenue	0.27	0.28	0.29	0.30	0.29	0.33	0.40	0.46	0.52	0.40	0.33	0.27	0.12	0.22	0.19	0.22	0.26	0.22	0.17	0.17	0.169
EV/EBIT	1.60	1.76	1.93	2.35	2.68	5.44	16.59	-36.37	-89.88	6.48	3.62	2.14	0.79	1.33	0.95	1.14	1.48	1.33	1.37	1.41	1.409
EV/FCF	6.81	37.86	-356.36	10.29	16.11	550.34	-18.22	-77.09	161.08	9.40	13.41	49.62	4.05	6.81	2.63	2.61	3.42	2.86	2.61	2.17	2.173
Earnings Yield	72.9%	68.0%	60.6%	50.0%	48.6%	20.9%	4.8%	-10.0%	-6.0%	21.4%	48.4%	87.7%	1.1%	69.7%	95.6%	79.8%	59.3%	59.4%	54.3%	54.1%	54.13%
FCF Yield	22.6%	4.2%	-0.4%	15.8%	11.7%	0.3%	-11.7%	-2.7%	1.3%	23.9%	16.6%	4.7%	24.7%	14.7%	38.0%	38.3%	29.2%	35.0%	38.3%	46.0%	46.02%
Price/Tangible Book	snapshot only																				0.216
EV/OCF	snapshot only																				1.186
EV/Gross Profit	snapshot only																				0.195
Acquirers Multiple	snapshot only																				1.409
Shareholder Yield	snapshot only																				0.00%
Graham Number	snapshot only																				$8541.92

Leverage & Solvency

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Current Ratio	2.89	2.25	2.69	2.13	2.20	2.20	1.88	2.28	2.39	2.52	2.44	2.25	2.91	2.91	3.12	3.39	3.62	2.86	3.42	3.42	3.421
Quick Ratio	2.40	1.83	2.20	1.80	1.87	1.87	1.57	1.89	1.97	2.11	2.08	1.95	2.91	2.91	3.12	3.39	3.62	2.86	3.42	3.42	3.421
Debt/Equity	0.28	0.27	0.26	0.26	0.26	0.26	0.29	0.29	0.29	0.28	0.27	0.25	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Net Debt/Equity	0.17	0.18	0.17	0.19	0.21	0.21	0.28	0.26	0.28	0.26	0.24	0.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Debt/Assets	0.17	0.16	0.16	0.16	0.16	0.16	0.18	0.18	0.17	0.16	0.16	0.15	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Debt/EBITDA	0.70	0.71	0.76	0.82	0.97	1.39	2.13	3.69	3.54	1.80	1.32	0.91	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Net Debt/EBITDA	0.42	0.47	0.51	0.62	0.78	1.12	2.07	3.26	3.44	1.69	1.19	0.85	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Interest Coverage	15.75	17.26	13.28	12.32	10.73	5.43	2.11	-0.96	-0.45	5.88	10.35	16.57	27.62	45.19	135.37	—	—	—	—	—	—
Equity Multiplier	1.60	1.67	1.59	1.62	1.60	1.60	1.64	1.67	1.70	1.70	1.65	1.65	1.46	1.46	1.43	1.35	1.34	1.37	1.30	1.30	1.302
Cash Ratio	snapshot only																				0.000
Defensive Interval	snapshot only																				0.0 days

Efficiency & Turnover

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Asset Turnover	1.15	1.10	1.06	1.05	0.99	0.87	0.81	0.64	0.62	0.72	0.84	0.97	0.93	0.93	0.96	1.01	1.00	1.06	1.00	1.00	0.998
Inventory Turnover	9.25	7.66	7.85	8.55	8.77	7.51	7.61	7.51	7.16	7.75	9.65	10.42	17.63	13.34	12.50	8.93	—	—	—	—	—
Receivables Turnover	6.64	6.32	5.64	5.71	11.08	9.41	3.86	3.41	5.62	5.87	3.61	4.24	9.84	8.76	8.79	8.22	—	—	—	—	—
Payables Turnover	8.01	4.77	6.07	10.89	8.78	5.86	7.39	8.03	5.46	5.97	7.99	9.52	11.87	9.22	9.27	7.78	—	—	—	—	—
DSO	55	58	65	64	33	39	95	107	65	62	101	86	37	42	42	44	0	0	0	0	0.0 days
DIO	39	48	46	43	42	49	48	49	51	47	38	35	21	27	29	41	0	0	0	0	0.0 days
DPO	46	77	60	34	42	62	49	45	67	61	46	38	31	40	39	47	0	0	0	0	—
Cash Conversion Cycle	49	29	51	73	33	25	93	110	49	48	93	83	27	29	31	38	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				1.970
Capital Intensity	snapshot only																				1.018

Growth (YoY)

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Revenue	32.4%	22.1%	9.4%	2.7%	-7.9%	-17.1%	-22.6%	-37.9%	-35.4%	-14.9%	10.4%	61.8%	75.3%	49.2%	39.5%	25.3%	25.9%	33.7%	19.2%	10.8%	10.76%
Net Income	-28.0%	-38.8%	-48.6%	-22.2%	-46.3%	-73.2%	-93.6%	-1.1%	-1.1%	-16.4%	7.8%	8.5%	16.4%	5.0%	2.5%	1.1%	49.1%	15.5%	-40.5%	-40.9%	-40.93%
EPS	-28.0%	-38.8%	-48.6%	-22.2%	-46.3%	-73.2%	-93.6%	-1.1%	-1.1%	-16.4%	7.8%	8.5%	16.4%	5.0%	2.5%	1.1%	49.1%	15.5%	-40.5%	-40.9%	-40.93%
FCF	-55.0%	-93.3%	-1.0%	-69.6%	-58.2%	-93.1%	-20.1%	-1.1%	-88.3%	58.3%	2.2%	2.5%	15.1%	12.0%	3.1%	17.7%	2.2%	2.2%	5.6%	4.5%	4.51%
EBITDA	-22.2%	-31.2%	-38.9%	-13.4%	-29.5%	-47.7%	-61.5%	-76.0%	-70.6%	-17.6%	65.0%	3.1%	3.6%	1.5%	1.3%	52.7%	27.0%	17.7%	-27.3%	-19.1%	-19.07%
Op. Income	35.5%	14.7%	-0.8%	-2.2%	-41.8%	-69.3%	-92.6%	-1.1%	-1.0%	-3.6%	6.8%	7.7%	362.3%	2.9%	1.8%	70.0%	38.0%	31.4%	-28.0%	-29.4%	-29.35%
OCF Growth	snapshot only																				8.26%
Asset Growth	snapshot only																				3.21%
Equity Growth	snapshot only																				7.39%
Shares Change	snapshot only																				0.00%

Growth (CAGR)

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Revenue 3Y	11.9%	12.5%	11.8%	15.0%	12.1%	8.3%	5.2%	-6.1%	-7.6%	-4.8%	-2.2%	1.1%	1.5%	1.7%	6.0%	8.0%	12.6%	19.3%	22.4%	30.9%	30.95%
Revenue 5Y	7.5%	6.5%	5.6%	5.2%	4.1%	2.2%	0.1%	-3.6%	-3.5%	0.1%	3.6%	8.8%	9.8%	10.0%	12.4%	10.9%	11.7%	11.4%	9.2%	7.5%	7.45%
EPS 3Y	20.5%	19.7%	30.1%	13.3%	6.9%	-16.3%	-54.9%	—	—	-48.4%	-33.9%	-5.2%	2.3%	10.1%	25.4%	32.3%	43.7%	79.1%	1.6%	—	—
EPS 5Y	20.1%	15.1%	5.3%	21.6%	7.2%	-8.9%	-35.0%	—	—	-17.4%	4.3%	9.8%	19.5%	23.9%	23.2%	4.4%	2.8%	-1.2%	-9.6%	1.2%	1.24%
Net Income 3Y	20.5%	19.7%	30.0%	13.3%	6.9%	-16.3%	-54.9%	—	—	-48.4%	-33.9%	-5.2%	2.3%	10.1%	25.4%	32.3%	43.7%	79.1%	1.6%	—	—
Net Income 5Y	17.3%	14.4%	8.8%	12.2%	7.2%	-8.9%	-34.9%	—	—	-17.4%	4.3%	9.7%	19.5%	23.9%	23.2%	4.4%	2.8%	-1.2%	-9.6%	1.2%	1.24%
EBITDA 3Y	13.7%	12.1%	13.4%	8.5%	2.1%	-9.5%	-22.7%	-46.1%	-45.6%	-33.3%	-27.1%	-5.5%	-1.3%	2.9%	13.6%	14.2%	20.0%	34.9%	40.5%	71.3%	71.25%
EBITDA 5Y	11.6%	9.5%	8.6%	8.1%	4.5%	-3.7%	-12.3%	-21.9%	-21.1%	-9.5%	-1.5%	4.5%	7.7%	9.1%	12.0%	-0.6%	-1.0%	-2.5%	-8.2%	0.9%	0.85%
Gross Profit 3Y	9.3%	9.5%	9.3%	13.9%	9.3%	5.1%	1.1%	-16.1%	-17.2%	-12.6%	-8.3%	-4.0%	2.9%	8.6%	16.9%	24.4%	32.0%	42.0%	49.6%	69.1%	69.14%
Gross Profit 5Y	4.5%	3.0%	2.0%	1.3%	-0.3%	-2.7%	-5.1%	-11.1%	-10.7%	-5.8%	-1.5%	6.2%	11.1%	14.9%	19.2%	19.0%	20.3%	20.3%	20.1%	17.5%	17.50%
Op. Income 3Y	13.1%	14.3%	18.7%	10.5%	-3.5%	-22.2%	-54.6%	—	—	-30.3%	-16.8%	-1.4%	1.9%	4.6%	17.3%	18.5%	35.8%	69.9%	1.5%	—	—
Op. Income 5Y	9.6%	7.8%	7.3%	8.6%	0.3%	-13.5%	-36.5%	—	—	-15.1%	-0.6%	5.7%	10.3%	12.0%	15.2%	14.7%	14.6%	11.5%	2.9%	2.8%	2.85%
FCF 3Y	-27.3%	-54.8%	—	-9.3%	—	-30.3%	—	—	-72.0%	-34.9%	-48.4%	-61.6%	-7.7%	66.2%	—	51.9%	82.3%	5.0%	—	—	—
FCF 5Y	-8.0%	-38.8%	—	-15.6%	-21.2%	-58.7%	—	—	-54.8%	-17.6%	-18.4%	-32.5%	—	86.4%	1.4%	17.0%	2.7%	-0.0%	-10.0%	2.2%	2.17%
OCF 3Y	-16.8%	-23.3%	-22.6%	-9.3%	1.7%	-3.9%	-7.1%	-14.8%	-21.0%	-16.0%	-24.4%	-19.5%	0.4%	13.3%	31.8%	20.3%	24.2%	34.8%	41.4%	36.6%	36.60%
OCF 5Y	0.9%	-10.1%	-10.3%	-4.0%	-4.6%	-7.0%	-11.8%	-7.1%	-15.3%	-8.3%	-8.9%	-9.9%	4.0%	4.5%	15.4%	7.8%	1.7%	1.0%	-4.2%	4.3%	4.32%
Assets 3Y	11.0%	11.4%	12.3%	11.6%	12.1%	10.7%	9.0%	2.6%	5.1%	4.5%	4.9%	6.8%	11.9%	10.8%	13.8%	11.6%	12.6%	12.6%	14.1%	13.9%	13.88%
Assets 5Y	8.0%	9.2%	8.6%	9.2%	9.6%	8.2%	8.0%	8.7%	8.0%	8.3%	9.7%	9.4%	13.1%	12.3%	13.7%	9.1%	10.4%	9.3%	9.0%	9.1%	9.12%
Equity 3Y	23.4%	25.0%	26.2%	24.2%	23.1%	21.1%	16.1%	7.5%	6.8%	8.1%	7.3%	7.2%	15.5%	16.0%	17.9%	18.4%	19.6%	18.6%	23.1%	23.7%	23.74%
Book Value 3Y	23.5%	25.0%	26.3%	24.2%	23.1%	21.1%	16.1%	7.5%	6.8%	8.1%	7.3%	7.2%	15.5%	16.0%	17.9%	18.4%	19.6%	18.6%	23.1%	23.7%	23.74%
Dividend 3Y	2.1%	2.1%	—	-88.8%	-86.8%	-86.8%	—	—	-27.8%	-17.7%	-15.4%	—	77.2%	51.0%	45.5%	—	—	—	—	—	—

Growth Quality

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Revenue Stability	0.47	0.45	0.45	0.51	0.48	0.35	0.15	0.00	0.00	0.02	0.10	0.13	0.13	0.27	0.52	0.40	0.44	0.52	0.56	0.46	0.462
Earnings Stability	0.56	0.45	0.35	0.30	0.17	0.03	0.00	0.11	0.12	0.09	0.04	0.12	0.03	0.00	0.01	0.00	0.00	0.00	0.00	0.14	0.143
Margin Stability	0.93	0.92	0.92	0.93	0.92	0.91	0.91	0.86	0.86	0.88	0.90	0.88	0.87	0.84	0.80	0.73	0.74	0.74	0.71	0.67	0.671
Rev. Growth Consistency	1.00	1.00	1.00	1.00	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	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.000
FCF Positive Streak	1	1	0	1	1	1	0	0	1	1	0	0	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.89	0.84	0.81	0.91	0.81	0.50	0.50	0.20	0.20	0.93	0.50	0.20	0.20	0.50	0.50	0.50	0.50	0.94	0.84	0.84	0.836
Earnings Smoothness	0.68	0.52	0.36	0.75	0.40	0.00	0.00	—	—	0.82	0.00	—	—	0.00	0.00	0.29	0.61	0.86	0.49	0.49	0.485
ROE Trend	-0.05	-0.07	-0.12	-0.14	-0.19	-0.26	-0.28	-0.21	-0.19	-0.09	-0.00	0.09	0.11	0.13	0.17	0.15	0.13	0.07	-0.04	-0.06	-0.065
Gross Margin Trend	0.00	-0.00	-0.00	-0.03	-0.05	-0.06	-0.06	-0.14	-0.12	-0.08	-0.06	0.01	0.12	0.20	0.26	0.36	0.32	0.27	0.28	0.23	0.227
FCF Margin Trend	-0.01	-0.06	-0.09	-0.05	-0.06	-0.07	-0.11	-0.07	-0.03	0.04	0.04	-0.01	0.02	0.01	0.07	0.08	0.06	0.04	0.02	0.03	0.034
Sustainable Growth Rate	18.5%	16.9%	19.6%	16.1%	11.7%	5.5%	1.2%	—	—	4.5%	10.0%	16.3%	18.9%	21.7%	26.5%	25.6%	21.4%	19.6%	12.4%	12.1%	12.13%
Internal Growth Rate	12.3%	10.6%	13.3%	10.9%	7.9%	3.5%	0.7%	—	—	2.8%	6.5%	10.9%	13.9%	16.2%	21.2%	21.0%	18.2%	16.1%	10.0%	10.1%	10.06%

Cash Flow Quality

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
OCF/Net Income	0.83	0.63	0.66	1.13	1.35	2.44	9.24	-5.73	-9.05	4.03	1.58	0.82	0.79	0.69	0.76	0.85	0.87	1.04	1.42	1.56	1.558
FCF/OCF	0.37	0.10	-0.01	0.28	0.18	0.01	-0.26	-0.05	0.02	0.28	0.22	0.07	0.29	0.31	0.52	0.57	0.57	0.57	0.50	0.55	0.546
FCF/Net Income	snapshot only																				0.850
OCF/EBITDA	snapshot only																				0.864
CapEx/Revenue	6.6%	6.8%	7.3%	7.6%	8.2%	9.3%	10.6%	13.2%	13.1%	11.0%	9.0%	7.8%	7.3%	7.2%	6.6%	6.3%	5.9%	5.9%	6.5%	6.5%	6.48%
CapEx/Depreciation	snapshot only																				1.439
Accruals Ratio	0.02	0.05	0.04	-0.01	-0.03	-0.05	-0.06	-0.09	-0.09	-0.08	-0.04	0.02	0.03	0.04	0.04	0.03	0.02	-0.01	-0.04	-0.05	-0.051
Sloan Accruals	snapshot only																				-0.041
Cash Flow Adequacy	snapshot only																				2.202
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Dividend Yield	18.3%	18.3%	0.0%	0.0%	0.1%	0.0%	0.1%	0.0%	0.0%	0.0%	0.0%	0.2%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	5.85%
Dividend/Share	$157.79	$157.79	$0.00	$0.36	$0.36	$0.36	$0.36	$0.00	$0.14	$0.20	$0.22	$0.89	$0.75	$0.69	$0.67	$0.00	$0.00	$0.00	$0.00	$0.00	$69.29
Payout Ratio	25.0%	26.9%	0.0%	0.1%	0.1%	0.2%	1.1%	—	—	0.2%	0.1%	0.2%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	80.8%	4.4%	—	0.3%	0.4%	14.4%	—	—	1.4%	0.1%	0.2%	3.3%	0.5%	0.4%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	25.0%	26.9%	0.0%	0.1%	0.1%	0.2%	1.1%	—	—	0.2%	0.1%	0.2%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Div. Increase Streak	0	0	—	0	0	0	0	—	0	0	0	0	0	0	0	—	—	—	—	—	—
Chowder Number	0.25	0.25	—	-1.00	-1.00	-1.00	—	—	-0.62	-0.44	-0.39	—	4.57	2.44	2.08	—	—	—	—	—	—
Buyback Yield	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%
Net Buyback Yield	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%
Total Shareholder Return	18.3%	18.3%	0.0%	0.0%	0.1%	0.0%	0.1%	0.0%	0.0%	0.0%	0.0%	0.2%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%

DuPont Factors

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Tax Burden (NI/EBT)	0.81	0.80	0.80	0.78	0.76	0.77	0.71	0.85	0.80	0.74	0.87	0.85	0.84	0.84	0.80	0.85	0.85	0.85	0.87	0.77	0.769
Interest Burden (EBT/EBIT)	0.94	0.94	0.93	0.92	0.91	0.82	0.53	2.05	3.21	0.83	0.90	0.94	1.03	1.10	1.14	1.07	1.03	0.93	0.86	0.99	0.992
EBIT Margin	0.17	0.16	0.15	0.13	0.11	0.06	0.02	-0.01	-0.01	0.06	0.09	0.13	0.15	0.16	0.20	0.19	0.18	0.16	0.12	0.12	0.120
Asset Turnover	1.15	1.10	1.06	1.05	0.99	0.87	0.81	0.64	0.62	0.72	0.84	0.97	0.93	0.93	0.96	1.01	1.00	1.06	1.00	1.00	0.998
Equity Multiplier	1.69	1.77	1.67	1.64	1.60	1.63	1.61	1.64	1.65	1.65	1.65	1.66	1.56	1.55	1.52	1.47	1.39	1.41	1.36	1.33	1.328

Per Share

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
EPS (Diluted TTM)	$630.49	$587.03	$529.22	$451.11	$338.58	$157.53	$33.62	$-65.80	$-43.88	$131.72	$297.02	$494.06	$674.14	$784.49	$1042.41	$1043.48	$1005.11	$905.70	$620.18	$616.42	$616.42
Book Value/Share	$2790.39	$2751.78	$2892.72	$2950.01	$2973.24	$2973.24	$2818.89	$2776.72	$2821.88	$2933.46	$3112.93	$3268.17	$4295.48	$4295.48	$4738.95	$4898.74	$5084.68	$4961.75	$5260.80	$5260.80	$5388.21
Tangible Book/Share	$2767.67	$2730.32	$2872.18	$2928.61	$2953.31	$2953.31	$2800.91	$2758.36	$2803.98	$2915.25	$3094.32	$3249.00	$4295.48	$4295.48	$4738.95	$4898.74	$5084.68	$4961.75	$5260.80	$5260.80	$5260.80
Revenue/Share	$4948.93	$4938.30	$4794.50	$4824.83	$4560.32	$4094.76	$3710.66	$2997.31	$2947.95	$3484.90	$4094.93	$4848.27	$5167.42	$5199.50	$5712.19	$6076.59	$6508.06	$6953.30	$6811.14	$6730.16	$5900.21
FCF/Share	$195.28	$36.03	$-3.87	$142.96	$81.65	$2.49	$-81.59	$-17.89	$9.52	$147.68	$101.60	$26.76	$153.64	$165.43	$414.24	$501.46	$495.04	$534.22	$437.60	$524.06	$399.12
OCF/Share	$523.31	$370.65	$346.78	$509.73	$457.45	$384.45	$310.59	$376.74	$397.07	$530.79	$469.68	$404.75	$529.42	$539.38	$793.28	$886.97	$875.78	$941.07	$878.39	$960.19	$649.05
Cash/Share	$314.80	$251.73	$249.07	$184.11	$147.88	$147.88	$22.07	$94.52	$23.45	$49.36	$77.32	$49.39	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
EBITDA/Share	$1118.58	$1057.53	$989.85	$921.74	$788.94	$552.66	$380.66	$221.21	$232.03	$455.27	$627.97	$898.90	$1074.24	$1152.50	$1451.21	$1372.82	$1363.98	$1356.58	$1055.17	$1110.96	$1110.96
Debt/Share	$779.93	$752.42	$755.11	$752.53	$765.84	$765.84	$809.55	$816.17	$821.95	$820.72	$826.01	$813.60	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Net Debt/Share	$465.13	$500.69	$506.05	$568.42	$617.96	$617.96	$787.48	$721.64	$798.50	$771.36	$748.69	$764.21	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00

Academic Models

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.194
Altman Z-Prime	snapshot only																				6.077
Piotroski F-Score	6	6	5	5	5	5	4	4	4	6	9	7	8	8	8	8	7	7	7	7	7
Beneish M-Score	-2.00	-1.82	-1.80	-2.04	-3.21	-3.64	-2.20	-2.48	-798.22	-2.15	-2.10	-1.63	-2.95	-3.17	-2.86	-3.01	-2.11	-2.19	-2.78	-2.71	-2.708
Ohlson O-Score	snapshot only																				-12.880
ROIC (Greenblatt)	snapshot only																				14.02%
Net-Net WC	snapshot only																				$1728.41
EVA	snapshot only																				$15418370628.45

Credit

Metric	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Current
Credit Rating	snapshot only																				AA
Credit Score	88.87	79.96	79.53	81.20	82.21	71.19	59.59	43.11	40.50	74.14	75.10	74.60	81.47	82.14	86.99	87.50	89.00	87.69	87.13	87.48	87.481
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				-0.021
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				81
Sector Credit Rank	snapshot only																				88

BANEP.ME MCX

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

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