— Know what they know.
Not Investment Advice
Also trades as: BETRW (NASDAQ) · $vol 0M

BETR NASDAQ

Better Home & Finance Holding Company
1W: +12.8% 1M: -4.2% 3M: -60.2% YTD: -66.1% 1Y: -80.4% 3Y: -50.8% 5Y: -97.6%
$11.79
+0.60 (+5.36%)
 
Weekly Expected Move ±11.3%
$9 $10 $12 $13 $14
NASDAQ · Financial Services · Financial - Mortgages · Tech Score Sell · Power 42 · $184.7M mcap · 10M float · 5.36% daily turnover · Short 67% 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.

WEAK EDGE
49.3 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: -16.1%
Cost Advantage
24
Intangibles
43
Switching Cost
66
Network Effect
75
Scale
40
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. BETR shows a Weak competitive edge (49.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. Negative ROIC of -16.1% 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
$16
Low
$22
Avg Target
$25
High
Based on 4 analysts since Aug 6, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 4Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$26.00
Analysts6
Consensus Change History
DateFieldFromTo
2026-07-27 consensus Hold Buy
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-08-13 Roth Capital — $35 $25 -10 +64.3% $15.22
2026-08-13 Cantor Fitzgerald Ramsey El-Assal $32 $16 -16 +7.9% $14.84
2026-08-10 BTIG — $36 $23 -13 +48.8% $15.46
2026-08-07 Needham Kyle Peterson $35 $25 -10 +50.2% $16.64
2026-07-31 Needham Kyle Peterson $53 $35 -18 +64.5% $21.28
2026-07-20 Cantor Fitzgerald Ramsey El-Assal $40 $32 -8 +41.8% $22.56
2026-06-18 Canaccord Genuity — Initiated $42 — +54.5% $27.18
2026-06-16 BTIG — Initiated $36 — +24.9% $28.83
2026-06-15 Roth Capital — Initiated $35 — +32.0% $26.51
2026-05-04 Needham — Initiated $53 — +19.4% $44.38
2026-01-26 Cantor Fitzgerald Ramsey El-Assal Initiated $40 — +40.7% $28.42

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.

D+
Oct 02, 2026
DCF
1
ROE
1
ROA
1
D/E
1
P/E
1
P/B
1
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. BETR receives an overall rating of D+. Areas of concern: DCF (1/5), ROE (1/5), ROA (1/5), D/E (1/5), P/E (1/5), P/B (1/5).

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.

★ ★ ★ ★ ★ 27 Grade D
Profitability
20
Balance Sheet
20
Earnings Quality
56
Growth
77
Value
21
Momentum
71
Safety
0
Cash Flow
30
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. BETR scores highest in Growth (77/100) and lowest in Safety (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman-B Score
-14.10
Distress Zone
Piotroski F-Score
4/9
✗ ✗ ✓ ✗ ✓ ✗ ✗ ✓ ✓
Beneish M-Score
5.76
Possible Manipulator
Ohlson O-Score
-2.65
Bankruptcy prob: 6.6%
Low Risk
Credit Rating
CCC
Score: 3.5/100
Trend: Deteriorating
Earnings Quality
—
OCF/NI: 1.68x
Accruals: 8.8%
The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BETR scores -14.10, placing it in the Distress Zone (safe > 3.0, distress < 1.5). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BETR scores 4/9, 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. BETR's score of 5.76 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. BETR's implied 6.6% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BETR receives an estimated rating of CCC (score: 3.5/100), with a deteriorating trend.

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
-1.07x
PEG
-0.07x
P/S
0.87x
P/B
3.80x
P/FCF
-1.70x
P/OCF
—
EV/EBITDA
-9.63x
EV/Revenue
5.00x
EV/EBIT
-8.64x
EV/FCF
-3.50x
Earnings Yield
-35.08%
FCF Yield
-58.97%
Shareholder Yield
0.00%
Graham Number
—
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. BETR currently has negative earnings — the P/E ratio is not meaningful.

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
1.114
NI / EBT
×
Interest Burden
1.318
EBT / EBIT
×
EBIT Margin
-0.579
EBIT / Rev
×
Asset Turnover
0.153
Rev / Assets
×
Equity Multiplier
20.633
Assets / Equity
=
ROE
-267.7%
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. BETR's ROE of -267.7% is driven by financial leverage (equity multiplier: 20.63x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 1.11 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

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
—
Price/Value
—
Margin of Safety
—
Premium
—

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 1364 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$11.79
Median 1Y
$0.23
5th Pctile
$0.00
95th Pctile
$13.32
Ann. Volatility
254.8%
Analyst Target
$26.00
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

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

Employees
1,329
+6.3% YoY
Revenue / Employee
$143,998
Rev: $191,373,000
Profit / Employee
$-124,809
NI: $-165,871,000
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 Q2'26 Current
ROE -0.6% 0.3% -39.8% -17.8% -4.2% -3.2% 4.6% 4.5% -8.6% 24.1% 5.7% 4.0% -2.6% -6.4% 15.9% -3.3% -7.2% 15.8% 4.0% -2.7% -2.68%
ROA -0.6% 0.1% -1.2% -1.2% -2.0% -37.3% -84.6% -1.0% -1.2% -55.0% -53.1% -53.9% -23.3% -22.7% -22.2% -18.3% -16.5% -13.7% -14.4% -13.0% -12.97%
ROIC -0.9% -0.3% 7.7% 13.0% -31.9% -76.0% -47.6% -57.4% -1.3% -85.8% -75.7% -43.9% -43.9% -31.9% -32.4% -29.4% -26.5% -23.6% -15.2% -16.1% -16.09%
ROCE -1.1% -0.7% -96.3% -98.1% -1.5% -72.8% -57.5% -69.1% -57.6% -41.5% -41.2% -43.5% -38.0% -36.4% -39.0% -1.5% -12.4% -11.8% -11.7% -11.3% -11.31%
Gross Margin — — -54.8% — -1.9% -4.7% -1.0% -13.5% -4.0% -62.3% -67.9% -29.9% -61.5% 21.8% -60.0% 19.3% 76.2% 80.0% 74.2% 84.5% 84.54%
Operating Margin — — -1.3% — -5.6% -15.6% -3.6% -1.3% -4.6% -5.9% -1.9% -1.6% -2.1% -56.4% -1.4% -52.1% -58.7% -49.1% -84.9% -42.1% -42.11%
Net Margin — — -1.5% — -7.2% -29.8% -3.6% -1.3% -17.7% -5.4% -1.9% -1.5% -2.0% -1.3% -1.5% -70.7% -88.4% -74.9% -1.3% -50.2% -50.22%
EBITDA Margin — — -1.1% — -4.4% -21.1% -2.6% -86.7% -5.3% -4.2% -1.6% -1.1% -1.8% -39.6% -1.3% -44.0% -51.0% -43.2% -79.3% -36.5% -36.47%
FCF Margin — — 2.4% 2.4% 2.1% 1.9% -3.3% -2.0% -1.6% -1.9% -54.7% -3.4% -3.9% -2.6% -2.6% -1.2% -1.4% -1.2% -1.2% -1.4% -1.43%
OCF Margin — — 2.5% 2.5% 2.2% 2.0% -3.1% -1.8% -1.4% -1.8% -46.9% -3.3% -3.8% -2.5% -2.5% -1.1% -1.3% -1.2% -1.2% -1.4% -1.42%
ROE 3Y Avg snapshot only -5.68%
ROA 3Y Avg snapshot only -26.98%
ROIC 3Y Avg snapshot only -37.72%
ROIC Economic snapshot only -13.66%
Cash ROA snapshot only -19.55%
Cash ROIC snapshot only -49.93%
CROIC snapshot only -50.10%
NOPAT Margin snapshot only -45.91%
Pretax Margin snapshot only -76.33%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 27.82%
SBC / Revenue snapshot only 0.00%
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 Q2'26 Current
P/E Ratio -11231.08 8887.67 -1111.85 -1110.01 -662.75 -455.60 -704.92 -674.91 -15.89 -37.10 -12.45 -11.57 -1.30 -0.66 -0.81 -0.94 -4.63 -3.08 -3.15 -2.85 -1.070
P/S Ratio — — 1712.08 1699.93 1495.55 1472.58 6298.39 4298.79 138.23 228.80 69.36 67.56 2.88 1.04 1.21 1.18 4.82 2.78 2.89 2.42 0.873
P/B Ratio 69.63 25.43 44257.10 19702.86 22963.22 -2216.23 -1579.34 -1416.52 75.64 165.38 83.31 130.75 694.79 -2.33 -1.62 2.46 16.78 13.75 68.34 8.86 3.799
P/FCF -160304.31 -15977.84 706.75 701.82 704.12 792.57 -1910.03 -2157.31 -86.32 -117.37 -126.73 -20.14 -0.74 -0.40 -0.47 -0.99 -3.56 -2.27 -2.41 -1.70 -1.696
P/OCF — — 680.15 675.41 677.80 746.44 — — — — — — — — — — — — — — —
EV/EBITDA -5784.42 -2760.89 -1461.12 -1435.58 -940.29 -653.72 -1037.16 -1005.00 -31.07 -82.95 -29.09 -27.71 -3.92 -4.54 -4.86 -3.99 -10.83 -7.92 -11.07 -9.63 -9.626
EV/Revenue — — 1711.91 1699.76 1495.53 1475.66 6312.79 4308.10 138.96 230.41 71.41 72.30 7.10 4.93 5.12 3.40 6.71 4.94 6.05 5.00 5.003
EV/EBIT -5784.42 -2760.89 -1393.09 -1369.40 -909.40 -625.88 -975.68 -926.30 -27.82 -70.64 -24.65 -23.76 -3.24 -3.67 -4.07 -3.40 -9.25 -7.06 -9.90 -8.64 -8.641
EV/FCF -160307.52 -17305.76 706.68 701.75 704.12 794.23 -1914.40 -2161.98 -86.78 -118.20 -130.47 -21.55 -1.82 -1.90 -2.00 -2.87 -4.95 -4.02 -5.03 -3.50 -3.500
Earnings Yield -0.0% 0.0% -0.1% -0.1% -0.2% -0.2% -0.1% -0.1% -6.3% -2.7% -8.0% -8.6% -77.2% -1.5% -1.2% -1.1% -21.6% -32.4% -31.8% -35.1% -35.08%
FCF Yield -0.0% -0.0% 0.1% 0.1% 0.1% 0.1% -0.1% -0.0% -1.2% -0.9% -0.8% -5.0% -1.4% -2.5% -2.1% -1.0% -28.1% -44.1% -41.5% -59.0% -58.97%
Price/Tangible Book snapshot only 17.426
EV/Gross Profit snapshot only 6.328
Shareholder Yield snapshot only 0.00%
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 Q2'26 Current
Current Ratio 0.00 1.32 0.00 0.00 0.00 2.62 1.97 2.02 4.26 3.80 3.76 2.46 2.51 1.98 1.69 1.04 0.75 0.58 0.19 0.28 0.284
Quick Ratio 0.00 1.32 0.00 0.00 0.00 2.62 1.97 1.76 4.26 3.80 0.69 2.46 2.51 0.83 1.69 1.04 0.75 0.58 0.19 0.28 0.284
Debt/Equity 0.00 3.50 0.00 0.00 0.00 -6.53 -4.49 -3.55 3.94 5.48 8.78 17.61 1694.12 -13.20 -7.49 7.55 10.84 16.55 83.10 11.36 11.360
Net Debt/Equity 0.00 2.11 -4.44 -1.93 -0.29 — — — 0.40 1.17 2.46 9.18 1018.63 — — 4.65 6.57 10.63 74.49 9.43 9.428
Debt/Assets 0.00 0.72 0.00 0.00 0.00 1.01 1.07 1.13 0.66 0.74 0.80 0.83 0.78 0.84 0.76 0.47 0.40 0.41 0.45 0.43 0.426
Debt/EBITDA -0.15 -350.90 -0.00 -0.00 -0.00 -1.92 -2.94 -2.51 -1.61 -2.73 -2.98 -3.49 -3.88 -5.46 -5.29 -4.23 -5.03 -5.38 -6.44 -5.98 -5.979
Net Debt/EBITDA -0.12 -211.85 0.15 0.14 0.01 -1.36 -2.37 -2.17 -0.16 -0.58 -0.83 -1.82 -2.33 -3.57 -3.72 -2.61 -3.05 -3.45 -5.77 -4.96 -4.962
Interest Coverage — — -3.56 -3.59 -2.51 -2.65 -2.66 -2.83 -4.83 -10.33 -11.79 -12.54 -32.08 -67.50 -67.00 -15.89 -5.79 -3.54 -2.93 -3.21 -3.207
Equity Multiplier 1.13 4.88 33.96 15.22 17.92 -6.45 -4.21 -3.13 5.96 7.39 11.03 21.33 2178.26 -15.70 -9.84 16.09 27.28 40.49 183.42 26.64 26.639
Cash Ratio snapshot only 0.244
Debt Service Coverage snapshot only -2.879
Cash to Debt snapshot only 0.170
FCF to Debt snapshot only -0.460
Defensive Interval snapshot only 163.6 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 Q2'26 Current
Asset Turnover 0.00 0.00 0.76 0.76 0.87 0.12 0.09 0.16 0.14 0.09 0.10 0.09 0.11 0.14 0.15 0.15 0.16 0.15 0.16 0.15 0.153
Inventory Turnover — 0.00 — — — 415.66 — 6.63 — 358.02 0.66 5.83 — 0.65 0.57 — — 0.47 — — —
Receivables Turnover 0.00 0.00 434.59 — 2261.79 1.78 0.34 0.58 0.99 0.56 0.44 0.24 0.90 3.84 3.73 0.73 4.43 6.90 6.19 7.23 7.233
Payables Turnover — 0.00 — — — 4.36 3.42 4.21 4.56 2.74 2.40 2.35 1.68 2.84 3.01 2.81 2.02 1.93 1.28 0.78 0.779
DSO — — 1 0 0 205 1081 631 369 656 821 1549 404 95 98 502 82 53 59 50 50.5 days
DIO — — 0 0 0 1 0 55 0 1 550 63 0 563 639 0 0 774 0 0 0.0 days
DPO — — 0 0 0 84 107 87 80 133 152 156 218 129 121 130 180 189 285 469 468.8 days
Cash Conversion Cycle — — 1 0 0 122 974 600 289 523 1219 1456 187 529 616 372 -98 637 -226 -418 -418.3 days
Fixed Asset Turnover snapshot only 33.013
Cash Velocity snapshot only 1.892
Capital Intensity snapshot only 7.287
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 Q2'26 Current
Revenue — — — — — — -69.7% -54.1% -64.7% -64.9% 42.3% -10.9% 8.9% 46.1% 49.7% 84.2% 89.6% 41.8% 47.3% 32.2% 32.19%
Net Income — — — — -357.2% -423.0% -75.9% -91.0% -36.0% 33.1% 11.3% 18.3% 72.2% 62.3% 59.8% 60.6% 11.0% 19.6% 9.6% 10.1% 10.14%
EPS — — — — -15.9% -20.9% -61.7% -75.6% -1.0% 0.6% -1.8% -1.6% -8.1% -11.4% -5.8% -5.6% 11.7% 22.3% 16.3% 26.8% 26.84%
FCF — — — — 4813.8% 437.1% -1.4% -1.4% -1.3% -1.4% 76.4% -50.1% -1.7% -94.4% -6.0% 34.9% 34.1% 32.9% 31.0% -59.3% -59.35%
EBITDA — — — — -129.0% -83.5% -57.5% -66.2% 0.8% 56.8% 42.6% 45.7% 55.9% 42.8% 35.8% 39.8% 35.1% 18.7% 23.6% 19.4% 19.41%
Op. Income — — — — -151.0% -86.0% -46.3% -59.4% 20.8% 50.9% 37.5% 42.8% 38.8% 37.7% 29.5% 36.8% 41.1% 28.1% 30.4% 23.5% 23.51%
OCF Growth snapshot only -64.55%
Asset Growth snapshot only 25.20%
Equity Growth snapshot only -24.37%
Debt Growth snapshot only 13.86%
Shares Change snapshot only 22.82%
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 Q2'26 Current
Revenue 3Y — — — — — — — — — — — — — — -13.6% -9.0% -10.0% -10.1% 46.4% 29.5% 29.47%
Revenue 5Y — — — — — — — — — — — — — — — — — — — — —
EPS 3Y — — — — — — — — — — — — — — — — — — — — —
EPS 5Y — — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — — — — — — — — — —
Net Income 5Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 5Y — — — — — — — — — — — — — — — — — — — — —
Gross Profit 3Y — — — — — — — — — — — — — — — — — — — — —
Gross Profit 5Y — — — — — — — — — — — — — — — — — — — — —
Op. Income 3Y — — — — — — — — — — — — — — — — — — — — —
Op. Income 5Y — — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — — — — — — — — — — — — — — —
FCF 5Y — — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — — — — — — — — — —
OCF 5Y — — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — — — — 44.7% -34.8% 53.3% 64.1% 69.8% 11.6% 13.2% 18.5% 18.50%
Assets 5Y — — — — — — — — — — — — — — — — — — — — —
Equity 3Y — — — — — — — — — — — — -88.4% — — 61.1% 47.6% — — — —
Book Value 3Y — — — — — — — — — — — — -84.7% — — 4.9% 4.4% — — — —
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
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 Q2'26 Current
Revenue Stability — — — — — — — — 0.12 0.12 0.59 0.81 0.02 0.08 0.16 0.14 0.11 0.09 0.97 0.85 0.850
Earnings Stability — — — — — — — — 0.93 0.43 0.51 0.37 0.10 0.02 0.11 0.11 0.00 0.02 0.34 0.34 0.340
Margin Stability — — — — — — — — — — 0.43 0.58 0.35 0.35 0.24 0.27 0.00 0.00 0.00 0.00 0.000
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.00 0.50 0.50 1.00 0.50 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Earnings Persistence — — — — — — — — 0.86 0.50 0.95 0.93 0.50 0.50 0.50 0.50 0.96 0.92 0.96 0.96 0.959
Earnings Smoothness — — — — — — — — — — — — — — — — — — — — —
ROE Trend — — — — — — — — 12.57 — — — -516.50 — — — 266.85 — — 3.85 3.853
Gross Margin Trend — — — — — — — — — — 0.06 -0.36 0.69 0.82 1.31 1.21 1.33 1.13 1.35 1.49 1.494
FCF Margin Trend — — — — — — — — — — -0.11 -3.57 -4.16 -2.55 -0.64 1.49 1.40 1.04 0.35 0.84 0.841
Sustainable Growth Rate — 0.3% — — — — — — — — — — — — — — — — — — —
Internal Growth Rate — 0.1% — — — — — — — — — — — — — — — — — — —
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 Q2'26 Current
OCF/Net Income 0.07 -0.56 -1.63 -1.64 -0.98 -0.61 0.35 0.29 0.16 0.30 0.08 0.56 1.72 1.59 1.67 0.91 1.28 1.34 1.30 1.68 1.675
FCF/OCF 1.00 1.00 0.96 0.96 0.96 0.94 1.06 1.08 1.15 1.06 1.17 1.03 1.02 1.02 1.03 1.04 1.02 1.02 1.01 1.00 1.003
FCF/Net Income snapshot only 1.681
CapEx/Revenue — — 9.5% 9.5% 8.2% 11.5% 19.3% 15.6% 20.7% 11.0% 7.8% 8.4% 8.5% 5.8% 6.7% 4.1% 2.0% 1.9% 0.7% 0.5% 0.49%
CapEx/Depreciation snapshot only 0.083
Accruals Ratio -0.01 0.00 -3.09 -3.08 -3.86 -0.60 -0.55 -0.73 -1.03 -0.39 -0.49 -0.24 0.17 0.13 0.15 -0.02 0.05 0.05 0.04 0.09 0.088
Sloan Accruals snapshot only -0.281
Cash Flow Adequacy snapshot only -288.325
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 Q2'26 Current
Dividend 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%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio — 0.0% — — — — — — — — — — — — — — — — — — —
FCF Payout Ratio — — 0.0% 0.0% 0.0% 0.0% — — — — — — — — — — — — — — —
Total Payout Ratio — 0.0% — — — — — — — — — — — — — — — — — — —
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
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 -0.2% -0.2% -0.0% -0.0% -0.0% 0.0% 0.0% 0.0% 0.0% -0.0% -0.0% -0.0% -0.2% -0.1% -0.0% -0.0% -0.1% -5.8% -8.0% -22.0% -21.99%
Total Shareholder Return -0.2% -0.2% -0.0% -0.0% -0.0% 0.0% 0.0% 0.0% 0.0% -0.0% -0.0% -0.0% -0.2% -0.1% -0.0% -0.0% -0.1% -5.8% -8.0% -22.0% -21.99%
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 Q2'26 Current
Tax Burden (NI/EBT) 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 1.12 1.11 1.114
Interest Burden (EBT/EBIT) 0.52 -0.29 1.25 1.23 1.37 1.37 1.38 1.37 1.74 1.88 1.92 1.92 1.01 1.18 1.18 1.25 1.43 1.29 1.35 1.32 1.318
EBIT Margin — — -1.23 -1.24 -1.64 -2.36 -6.47 -4.65 -5.00 -3.26 -2.90 -3.04 -2.19 -1.34 -1.26 -1.00 -0.73 -0.70 -0.61 -0.58 -0.579
Asset Turnover 0.00 0.00 0.76 0.76 0.87 0.12 0.09 0.16 0.14 0.09 0.10 0.09 0.11 0.14 0.15 0.15 0.16 0.15 0.16 0.15 0.153
Equity Multiplier 1.13 4.88 33.96 15.22 2.14 8.62 -5.47 -4.34 7.06 -43.90 -10.65 -7.51 11.31 28.23 -71.42 18.03 43.50 -115.24 -27.50 20.63 20.633
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 Q2'26 Current
EPS (Diluted TTM) $-0.04 $0.06 $-0.44 $-0.44 $-0.75 $-1.11 $-0.72 $-0.77 $-1.51 $-1.10 $-1.99 $-1.98 $-13.74 $-13.60 $-13.52 $-13.19 $-12.13 $-10.57 $-11.31 $-9.65 $-9.65
Book Value/Share $7.13 $19.47 $0.01 $0.02 $0.02 $-0.23 $-0.32 $-0.37 $0.32 $0.25 $0.30 $0.18 $0.03 $-3.83 $-6.73 $5.04 $3.35 $2.37 $0.52 $3.10 $3.10
Tangible Book/Share $7.13 $16.81 $0.01 $0.02 $0.02 $-0.34 $-0.42 $-0.48 $0.15 $0.10 $0.05 $-0.05 $-3.81 $-6.77 $-9.65 $2.01 $0.33 $0.27 $-1.24 $1.58 $1.58
Revenue/Share $0.00 $0.00 $0.29 $0.29 $0.33 $0.34 $0.08 $0.12 $0.17 $0.18 $0.36 $0.34 $6.19 $8.54 $9.03 $10.54 $11.64 $11.70 $12.31 $11.35 $11.35
FCF/Share $-0.00 $-0.03 $0.70 $0.70 $0.70 $0.64 $-0.26 $-0.24 $-0.28 $-0.35 $-0.20 $-1.14 $-24.14 $-22.14 $-23.17 $-12.50 $-15.78 $-14.36 $-14.80 $-16.22 $-12.66
OCF/Share $-0.00 $-0.03 $0.72 $0.72 $0.73 $0.68 $-0.25 $-0.22 $-0.24 $-0.33 $-0.17 $-1.11 $-23.62 $-21.65 $-22.57 $-12.06 $-15.54 $-14.14 $-14.72 $-16.16 $-12.47
Cash/Share $0.00 $27.00 $0.05 $0.05 $0.01 $0.43 $0.28 $0.18 $1.12 $1.07 $1.89 $1.48 $17.32 $17.46 $15.01 $14.59 $14.31 $14.03 $4.49 $6.00 $6.00
EBITDA/Share $-0.09 $-0.19 $-0.34 $-0.34 $-0.53 $-0.77 $-0.49 $-0.52 $-0.77 $-0.50 $-0.88 $-0.89 $-11.21 $-9.28 $-9.52 $-8.99 $-7.21 $-7.29 $-6.72 $-5.90 $-5.90
Debt/Share $0.01 $68.14 $0.00 $0.00 $0.00 $1.49 $1.44 $1.31 $1.25 $1.35 $2.62 $3.09 $43.43 $50.62 $50.36 $38.03 $36.28 $39.20 $43.31 $35.26 $35.26
Net Debt/Share $0.01 $41.14 $-0.05 $-0.05 $-0.01 $1.05 $1.16 $1.13 $0.13 $0.29 $0.73 $1.61 $26.11 $33.16 $35.35 $23.45 $21.97 $25.17 $38.82 $29.26 $29.26
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 Q2'26 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — -14.101
Altman Z-Prime snapshot only -6.171
Piotroski F-Score 2 2 3 3 4 4 3 3 4 6 7 5 4 4 5 6 4 4 4 4 4
Beneish M-Score — — — — — — 6653.91 — -6.32 -1.86 -5.89 -4.02 0.62 -1.81 -1.52 -4.04 1.38 3.32 4.22 5.76 5.757
Ohlson O-Score snapshot only -2.650
Net-Net WC snapshot only $-72.60
EVA snapshot only $-157534999.01
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 Q2'26 Current
Credit Rating snapshot only CCC
Credit Score 46.42 52.27 10.44 16.18 15.46 17.59 20.00 20.00 22.96 39.38 33.74 27.53 12.64 8.09 20.00 12.50 5.30 14.75 13.44 3.51 3.507
Credit Grade snapshot only 17
Credit Trend snapshot only -8.993
Implied Spread (bps) snapshot only 1200.000
Industry Credit Rank snapshot only 0
Sector Credit Rank snapshot only 0

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