$542.52

+5.14 (+0.96%)

After Hours: $542.50 (-0.02, -0.00%)

Weekly Expected Move ±4.5%

$496 $521 $545 $569 $594

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Sell · Power 49 · $5.6B mcap · 5M float · 2.58% daily turnover · Short 71% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $241.6M held by 168 funds, 276 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

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

59.4 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.9% · 5Y Avg: 7.1%

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. CACC has a Narrow competitive edge (59.4/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 9.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$540

Avg Target

$540

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 12Sell: 6Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$540.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-17	Stephens	—	$500	$540	+40	+9.2%	$494.56
2025-01-31	Stephens	Kyle Joseph	Initiated	$500	—	-1.5%	$507.77
2022-05-03	Credit Suisse	—	Initiated	$460	—	-19.1%	$568.64

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.

B+

Oct 27, 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. CACC receives an overall rating of B+. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-22	A-	B+
2026-10-01	B+	A-
2026-08-05	A-	B+
2026-07-30	B+	A-
2026-07-01	A-	B+
2026-06-25	B+	A-
2026-04-01	B	B+
2026-03-12	B+	B

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.

★ ★ ★ ★ ★ 68 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. CACC scores highest in Safety (100/100) and lowest in Balance Sheet (22/100). An overall grade of A places CACC 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-B Score

5.55

Safe Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

759.00

Possible Manipulator

Ohlson O-Score

-7.54

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

Score: 88.3/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 2.44x

Accruals: -8.3%

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. CACC scores 5.55, 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. CACC scores 9/9, 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. CACC's score of 759.00 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. CACC'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. CACC receives an estimated rating of AA (score: 88.3/100), 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). CACC'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

11.77x

PEG

0.36x

P/S

2.44x

P/B

3.60x

P/FCF

5.60x

P/OCF

5.58x

EV/EBITDA

13.14x

EV/Revenue

5.65x

EV/EBIT

13.48x

EV/FCF

10.74x

Earnings Yield

7.34%

FCF Yield

17.86%

Shareholder Yield

9.06%

Graham Number

$394.60

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 11.8x earnings, CACC trades at a reasonable valuation. An earnings yield of 7.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $394.60 per share, 36% below 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

0.773

NI / EBT

Interest Burden

0.667

EBT / EBIT

EBIT Margin

0.419

EBIT / Rev

Asset Turnover

0.268

Rev / Assets

Equity Multiplier

5.518

Assets / Equity

ROE

31.9%

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. CACC's ROE of 31.9% is driven by financial leverage (equity multiplier: 5.52x). 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

$1800.07

Price/Value

0.35x

Margin of Safety

64.63%

Premium

-64.63%

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 CACC's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CACC actually compounded EPS at 22.2% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. CACC trades at a -65% premium to its adjusted intrinsic value of $1800.07, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 11.8x.

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

$542.52

Median 1Y

$501.96

5th Pctile

$230.12

95th Pctile

$1094.64

Ann. Volatility

45.1%

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
Vinayak R. Hegde Chief Executive Officer and President	$147,671	$61,633,600	$62,567,647
Kenneth S. Booth Former Chief Executive Officer and President	$1,017,808	$26,380,906	$27,416,214
Douglas W. Busk Former Chief Treasury Officer	$514,247	$2,152,971	$3,432,343
Ravi Mohan Technology nology Officer	$733,562	$—	$1,751,883
Daniel A. Ulatowski Former Chief Sales Officer	$762,329	$—	$780,872
Arthur L. Smith Former Chief Analytics Officer	$762,329	$—	$780,686
Jay D. Martin Chief Financial Officer	$605,137	$—	$623,458

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

2,314

-4.8% YoY

Revenue / Employee

$1,001,383

Rev: $2,317,200,000

Profit / Employee

$183,189

NI: $423,900,000

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	42.6%	46.4%	48.5%	40.3%	35.3%	31.1%	25.1%	20.6%	19.4%	16.9%	14.9%	11.0%	11.3%	14.2%	17.2%	27.3%	28.1%	25.9%	28.1%	31.9%	31.93%
ROA	12.4%	13.2%	13.2%	10.7%	8.9%	7.3%	5.9%	4.7%	4.5%	3.6%	3.3%	2.3%	2.4%	2.7%	3.3%	5.0%	5.2%	4.4%	5.1%	5.8%	5.79%
ROIC	13.7%	14.9%	16.5%	13.4%	10.7%	9.3%	7.1%	5.1%	3.9%	3.1%	2.5%	1.6%	2.4%	3.4%	3.9%	5.4%	5.4%	7.1%	8.1%	9.9%	9.90%
ROCE	17.1%	18.3%	23.2%	18.2%	13.1%	9.4%	9.7%	6.3%	6.0%	4.1%	4.0%	3.1%	3.0%	3.3%	4.4%	6.4%	6.9%	8.9%	9.7%	11.8%	11.83%
Gross Margin	75.9%	75.1%	75.9%	74.4%	73.4%	72.1%	66.7%	67.7%	67.5%	66.7%	62.5%	62.2%	61.9%	63.0%	61.0%	61.5%	61.8%	98.8%	98.9%	99.0%	98.96%
Operating Margin	70.6%	61.4%	62.4%	30.8%	26.1%	37.6%	27.2%	4.8%	0.0%	23.1%	16.0%	-7.2%	18.4%	32.9%	23.8%	19.0%	24.8%	52.9%	48.9%	47.0%	46.99%
Net Margin	53.2%	47.0%	47.1%	23.6%	19.0%	28.0%	22.2%	4.7%	15.0%	19.3%	12.8%	-8.9%	14.5%	27.2%	18.9%	15.2%	18.8%	21.0%	23.4%	23.1%	23.14%
EBITDA Margin	72.1%	62.8%	63.9%	32.3%	27.5%	39.0%	28.6%	6.1%	20.7%	24.5%	17.4%	-5.9%	19.6%	34.2%	25.1%	20.2%	26.0%	47.9%	50.0%	47.9%	47.91%
FCF Margin	61.7%	57.3%	59.8%	55.4%	58.9%	67.7%	63.6%	64.7%	63.6%	63.8%	62.8%	57.1%	55.3%	53.2%	53.4%	49.5%	48.0%	45.9%	45.5%	52.5%	52.55%
OCF Margin	62.1%	57.7%	60.3%	55.7%	59.1%	67.9%	63.8%	65.0%	63.8%	64.0%	63.0%	57.2%	55.4%	53.3%	53.5%	49.6%	48.0%	46.0%	45.6%	52.7%	52.72%
ROE 3Y Avg	snapshot only																				23.52%
ROE 5Y Avg	snapshot only																				28.34%
ROA 3Y Avg	snapshot only																				4.29%
ROIC 3Y Avg	snapshot only																				5.40%
ROIC Economic	snapshot only																				9.90%
Cash ROA	snapshot only																				14.21%
Cash ROIC	snapshot only																				15.56%
CROIC	snapshot only																				15.51%
NOPAT Margin	snapshot only																				33.55%
Pretax Margin	snapshot only																				27.95%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.30%
SBC / Revenue	snapshot only																				1.94%

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	10.21	10.70	8.13	8.11	9.35	11.77	13.54	19.81	18.76	23.90	27.80	34.81	29.04	23.46	21.87	14.13	11.80	11.62	10.23	13.62	11.771
P/S Ratio	5.04	5.53	4.25	3.47	3.20	3.46	3.14	3.63	3.24	3.64	3.61	3.17	2.67	2.72	2.89	2.68	2.36	2.15	2.01	2.94	2.440
P/B Ratio	4.74	5.62	4.85	4.21	3.68	3.88	3.31	3.81	3.53	3.90	4.22	4.07	3.34	3.32	3.71	3.86	3.39	3.23	3.06	4.30	3.604
P/FCF	8.17	9.65	7.10	6.27	5.42	5.10	4.93	5.60	5.10	5.70	5.75	5.56	4.83	5.12	5.41	5.41	4.92	4.68	4.41	5.60	5.598
P/OCF	8.12	9.58	7.05	6.23	5.40	5.09	4.92	5.58	5.09	5.68	5.73	5.55	4.82	5.11	5.40	5.40	4.91	4.67	4.40	5.58	5.580
EV/EBITDA	11.46	11.55	9.29	10.08	11.80	14.13	17.15	24.73	24.24	30.57	36.11	43.15	41.26	32.06	29.29	21.45	19.59	15.73	13.22	13.14	13.140
EV/Revenue	7.58	8.01	6.52	5.83	5.50	5.74	5.46	6.21	5.67	6.08	6.22	5.90	5.62	5.30	5.43	5.31	5.15	4.69	4.77	5.65	5.646
EV/EBIT	11.71	11.79	9.48	10.34	12.17	14.64	17.94	26.16	25.80	32.91	39.34	48.06	45.75	34.80	31.42	22.56	20.53	16.38	13.66	13.48	13.483
EV/FCF	12.29	13.98	10.91	10.53	9.34	8.48	8.58	9.60	8.92	9.53	9.90	10.33	10.17	9.96	10.16	10.74	10.75	10.23	10.47	10.74	10.744
Earnings Yield	9.8%	9.3%	12.3%	12.3%	10.7%	8.5%	7.4%	5.0%	5.3%	4.2%	3.6%	2.9%	3.4%	4.3%	4.6%	7.1%	8.5%	8.6%	9.8%	7.3%	7.34%
FCF Yield	12.2%	10.4%	14.1%	16.0%	18.4%	19.6%	20.3%	17.9%	19.6%	17.5%	17.4%	18.0%	20.7%	19.5%	18.5%	18.5%	20.3%	21.4%	22.7%	17.9%	17.86%
PEG Ratio	snapshot only																				0.365
Price/Tangible Book	snapshot only																				4.302
EV/OCF	snapshot only																				10.710
EV/Gross Profit	snapshot only																				6.296
Acquirers Multiple	snapshot only																				13.004
Shareholder Yield	snapshot only																				9.06%
Graham Number	snapshot only																				$394.60

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	28.04	39.28	0.00	0.00	0.00	—	0.00	26.75	0.00	—	0.00	23.56	23.40	—	0.00	0.00	21.51	0.26	20.57	21.22	21.218
Quick Ratio	28.04	39.28	0.00	0.00	0.00	—	0.00	26.75	0.00	—	0.00	23.56	23.40	—	0.00	0.00	21.51	0.26	20.57	21.22	21.218
Debt/Equity	2.39	2.53	2.91	3.15	2.91	2.83	2.74	2.72	2.90	2.89	3.40	3.82	3.80	3.63	3.92	4.16	4.03	4.17	4.23	3.96	3.956
Net Debt/Equity	2.39	2.52	2.60	2.87	2.66	2.57	2.45	2.72	2.64	2.62	3.05	3.49	3.70	3.14	3.26	3.79	4.02	3.84	4.22	3.96	3.955
Debt/Assets	0.65	0.66	0.67	0.69	0.67	0.60	0.66	0.66	0.67	0.60	0.69	0.72	0.72	0.65	0.72	0.74	0.74	0.66	0.74	0.73	0.729
Debt/EBITDA	3.85	3.59	3.63	4.49	5.41	6.19	8.15	10.30	11.41	13.55	16.87	21.85	22.24	18.00	16.49	11.67	10.66	9.28	7.69	6.30	6.296
Net Debt/EBITDA	3.84	3.58	3.24	4.08	4.95	5.62	7.30	10.29	10.38	12.28	15.15	19.92	21.67	15.58	13.70	10.63	10.63	8.54	7.66	6.29	6.294
Interest Coverage	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.78	3.63	2.95	2.952
Equity Multiplier	3.68	3.87	4.32	4.59	4.34	4.70	4.15	4.12	4.35	4.79	4.90	5.31	5.27	5.57	5.41	5.61	5.47	6.30	5.74	5.43	5.427
Cash Ratio	snapshot only																				0.004
Debt Service Coverage	snapshot only																				3.029
Cash to Debt	snapshot only																				0.000
FCF to Debt	snapshot only																				0.194
Defensive Interval	snapshot only																				2702.6 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	0.25	0.26	0.25	0.25	0.26	0.25	0.26	0.26	0.26	0.23	0.25	0.26	0.26	0.24	0.25	0.26	0.26	0.24	0.26	0.27	0.268
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	0.27	0.28	24.59	52.60	0.55	0.57	56.90	0.55	85.64	289.20	174.89	0.60	101.58	502.19	250.85	90.84	0.57	64.26	0.58	0.58	0.583
Payables Turnover	1.85	2.33	—	—	3.69	5.43	—	4.19	—	—	—	2.32	4.16	—	—	4.97	2.32	—	2.19	1.22	1.217
DSO (trade)	1339	1317	15	7	661	646	6	664	4	1	2	611	4	1	1	4	644	6	631	627	626.5 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	197	157	0	0	99	67	0	87	0	0	0	157	88	0	0	74	157	0	167	300	300.0 days
Cash Conversion Cycle (trade)	1142	1160	15	7	562	578	6	577	4	1	2	453	-84	1	1	-69	486	6	464	327	326.5 days
Fixed Asset Turnover	snapshot only																				164.801
Cash Velocity	snapshot only																				1659.786
Capital Intensity	snapshot only																				3.711

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	14.7%	11.3%	7.5%	2.7%	-0.3%	-1.6%	-2.2%	-0.5%	1.0%	3.0%	6.3%	8.5%	11.5%	13.5%	13.6%	12.5%	10.2%	7.5%	5.3%	3.8%	3.77%
Net Income	1.2%	1.3%	37.3%	-12.2%	-31.0%	-44.1%	-56.6%	-57.5%	-48.9%	-46.6%	-40.4%	-45.9%	-40.7%	-13.4%	15.5%	1.3%	1.4%	71.0%	56.4%	18.3%	18.26%
EPS	1.5%	1.7%	63.7%	9.1%	-18.2%	-37.3%	-52.4%	-56.1%	-47.7%	-44.7%	-38.4%	-42.3%	-37.7%	-10.2%	19.0%	1.4%	1.6%	90.8%	75.3%	29.7%	29.68%
FCF	16.1%	8.7%	3.5%	-10.6%	-4.8%	16.4%	4.0%	16.3%	8.9%	-2.9%	4.9%	-4.3%	-3.0%	-5.3%	-3.4%	-2.5%	-4.4%	-7.3%	-10.2%	10.2%	10.20%
EBITDA	1.1%	1.2%	37.6%	-11.2%	-29.8%	-42.3%	-55.7%	-56.8%	-49.3%	-49.6%	-42.5%	-41.0%	-35.1%	-5.6%	22.2%	1.0%	1.1%	94.0%	1.0%	80.0%	80.01%
Op. Income	1.2%	1.3%	38.5%	-11.5%	-30.4%	-43.2%	-56.7%	-58.1%	-61.9%	-64.1%	-61.2%	-64.7%	-19.8%	26.7%	76.6%	2.4%	1.3%	1.1%	1.2%	91.4%	91.37%
OCF Growth	snapshot only																				10.38%
Asset Growth	snapshot only																				-1.17%
Equity Growth	snapshot only																				2.20%
Debt Growth	snapshot only																				-2.86%
Shares Change	snapshot only																				-8.81%

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	13.2%	13.1%	11.6%	9.9%	8.4%	7.2%	6.3%	5.7%	4.9%	4.1%	3.8%	3.5%	3.9%	4.8%	5.7%	6.7%	7.4%	7.9%	8.3%	8.2%	8.19%
Revenue 5Y	14.7%	13.9%	12.9%	11.6%	10.5%	9.7%	9.0%	8.5%	7.9%	8.0%	7.7%	7.5%	7.5%	7.6%	7.7%	7.6%	7.2%	6.6%	6.0%	5.3%	5.31%
EPS 3Y	23.0%	29.7%	27.6%	20.5%	11.2%	5.0%	12.8%	10.4%	1.7%	-2.3%	-21.7%	-34.9%	-35.6%	-32.2%	-29.6%	-14.8%	-5.5%	-1.8%	8.7%	22.2%	22.18%
EPS 5Y	29.1%	31.3%	30.6%	25.4%	19.0%	10.8%	4.8%	-1.9%	-4.4%	-5.4%	-9.4%	-15.0%	-14.8%	-10.5%	1.0%	13.6%	11.1%	9.8%	0.0%	-2.7%	-2.67%
Net Income 3Y	14.8%	18.6%	16.2%	7.7%	-1.0%	-6.5%	1.1%	-0.4%	-8.4%	-12.1%	-29.2%	-41.3%	-40.7%	-36.3%	-33.2%	-18.7%	-10.2%	-7.5%	2.5%	14.3%	14.33%
Net Income 5Y	22.8%	23.6%	22.5%	16.6%	10.5%	2.6%	-3.3%	-9.4%	-11.8%	-13.0%	-16.5%	-22.1%	-21.7%	-17.7%	-6.6%	4.5%	1.7%	0.1%	-8.5%	-11.0%	-11.01%
EBITDA 3Y	18.5%	18.7%	17.0%	8.6%	-0.0%	-5.2%	1.1%	-1.0%	-9.1%	-13.4%	-29.5%	-39.0%	-38.6%	-35.0%	-32.2%	-19.6%	-11.2%	-2.6%	12.9%	29.4%	29.39%
EBITDA 5Y	18.3%	18.8%	17.5%	11.6%	5.6%	3.0%	-2.3%	-7.8%	-9.9%	-13.4%	-16.4%	-20.1%	-19.9%	-16.5%	-6.2%	3.2%	0.8%	3.5%	-2.6%	-3.6%	-3.63%
Gross Profit 3Y	15.3%	15.5%	13.9%	11.5%	9.9%	8.4%	6.1%	4.4%	2.4%	0.4%	-1.0%	-2.7%	-3.0%	-2.4%	-1.6%	-0.1%	0.9%	6.4%	12.5%	17.5%	17.52%
Gross Profit 5Y	16.0%	14.9%	13.6%	11.7%	10.2%	9.3%	8.1%	7.2%	6.3%	6.3%	5.7%	5.1%	4.8%	4.7%	4.5%	4.2%	3.6%	5.4%	7.1%	8.3%	8.33%
Op. Income 3Y	18.7%	18.9%	17.1%	8.6%	-0.2%	-5.5%	1.0%	-1.2%	-17.0%	-22.6%	-38.5%	-49.3%	-40.3%	-36.3%	-33.3%	-20.3%	-11.7%	-1.1%	15.0%	32.3%	32.31%
Op. Income 5Y	18.5%	19.0%	17.7%	11.6%	5.4%	2.8%	-2.7%	-8.4%	-15.0%	-19.3%	-23.1%	-28.3%	-21.2%	-17.5%	-6.7%	3.1%	0.6%	4.6%	-1.8%	-3.0%	-3.02%
FCF 3Y	21.7%	16.1%	16.8%	10.4%	11.2%	16.3%	13.7%	9.6%	6.4%	7.1%	4.2%	-0.2%	0.2%	2.3%	1.8%	2.8%	0.3%	-5.2%	-3.1%	0.9%	0.93%
FCF 5Y	19.6%	16.2%	14.3%	13.9%	14.5%	17.2%	13.8%	14.4%	13.3%	12.1%	11.7%	8.4%	7.8%	7.7%	8.3%	4.2%	2.2%	1.5%	-0.4%	1.3%	1.35%
OCF 3Y	20.5%	15.0%	15.5%	8.9%	10.1%	15.1%	12.5%	9.1%	6.1%	6.9%	4.1%	-0.3%	0.1%	2.1%	1.6%	2.6%	0.3%	-5.2%	-3.1%	0.9%	0.91%
OCF 5Y	19.5%	16.1%	14.2%	13.7%	14.2%	17.0%	13.6%	14.2%	12.6%	11.3%	10.9%	7.5%	7.1%	7.0%	7.6%	3.9%	2.0%	1.4%	-0.4%	1.3%	1.32%
Assets 3Y	4.9%	4.2%	1.4%	0.3%	-0.8%	0.9%	-0.5%	-0.6%	-0.1%	3.9%	1.7%	1.9%	6.4%	11.4%	9.6%	7.7%	7.8%	7.9%	6.7%	6.2%	6.17%
Assets 5Y	12.0%	10.8%	9.1%	8.1%	7.4%	8.9%	5.3%	4.2%	3.4%	6.1%	3.7%	3.6%	4.2%	5.6%	5.0%	3.5%	3.1%	5.1%	2.4%	2.0%	2.02%
Equity 3Y	-0.2%	-2.9%	-7.4%	-11.8%	-12.6%	-11.7%	-4.3%	-5.4%	-9.7%	-8.7%	-11.3%	-13.4%	-5.5%	-1.4%	1.7%	0.8%	-0.2%	-2.1%	-4.2%	-3.1%	-3.11%
Book Value 3Y	7.0%	6.2%	1.8%	-1.3%	-1.8%	-0.8%	6.8%	4.8%	0.3%	1.5%	-1.9%	-3.9%	2.4%	4.9%	7.1%	5.5%	5.0%	4.0%	1.6%	3.5%	3.54%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	1.00	1.00	1.00	0.98	0.96	0.94	0.92	0.90	0.87	0.86	0.87	0.88	0.87	0.88	0.90	0.93	0.94	0.92	0.90	0.87	0.874
Earnings Stability	0.57	0.54	0.68	0.47	0.29	0.12	0.06	0.00	0.06	0.09	0.10	0.20	0.35	0.34	0.23	0.17	0.23	0.24	0.46	0.40	0.400
Margin Stability	0.97	0.97	0.97	0.97	0.97	0.97	0.97	0.96	0.95	0.95	0.94	0.93	0.92	0.92	0.92	0.92	0.91	0.93	0.90	0.85	0.846
Rev. Growth Consistency	1.00	1.00	1.00	1.00	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	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	0.00	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	1.000
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	0.50	0.50	0.85	0.95	0.88	0.82	0.50	0.50	0.80	0.81	0.84	0.82	0.84	0.95	0.94	0.50	0.50	0.50	0.50	0.93	0.927
Earnings Smoothness	0.26	0.22	0.69	0.87	0.63	0.43	0.21	0.19	0.35	0.39	0.49	0.40	0.49	0.86	0.86	0.20	0.18	0.48	0.56	0.83	0.833
ROE Trend	0.24	0.29	0.34	0.25	0.07	-0.02	-0.20	-0.26	-0.24	-0.26	-0.27	-0.24	-0.18	-0.10	-0.03	0.12	0.14	0.13	0.14	0.12	0.121
Gross Margin Trend	0.05	0.04	0.03	0.00	-0.01	-0.02	-0.05	-0.07	-0.08	-0.08	-0.08	-0.08	-0.08	-0.08	-0.07	-0.05	-0.04	0.06	0.16	0.26	0.264
FCF Margin Trend	0.04	0.01	0.03	-0.05	-0.02	0.10	0.03	0.05	0.03	0.01	0.01	-0.03	-0.06	-0.13	-0.10	-0.11	-0.11	-0.13	-0.13	-0.01	-0.007
Sustainable Growth Rate	42.6%	46.4%	48.5%	40.3%	35.3%	31.1%	25.1%	20.6%	19.4%	16.9%	14.9%	11.0%	11.3%	14.2%	17.2%	27.3%	28.1%	25.9%	28.1%	31.9%	31.93%
Internal Growth Rate	14.2%	15.2%	15.2%	12.0%	9.8%	7.9%	6.3%	5.0%	4.7%	3.7%	3.4%	2.4%	2.4%	2.8%	3.5%	5.3%	5.5%	4.6%	5.3%	6.1%	6.14%

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	1.26	1.12	1.15	1.30	1.73	2.31	2.75	3.55	3.69	4.21	4.85	6.27	6.03	4.59	4.05	2.61	2.41	2.49	2.33	2.44	2.441
FCF/OCF	0.99	0.99	0.99	0.99	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	0.997
FCF/Net Income	snapshot only																				2.433
OCF/EBITDA	snapshot only																				1.227
CapEx/Revenue	0.4%	0.4%	0.5%	0.3%	0.2%	0.2%	0.1%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.17%
CapEx/Depreciation	snapshot only																				0.154
Accruals Ratio	-0.03	-0.02	-0.02	-0.03	-0.06	-0.10	-0.10	-0.12	-0.12	-0.11	-0.13	-0.12	-0.12	-0.10	-0.10	-0.08	-0.07	-0.07	-0.07	-0.08	-0.083
Sloan Accruals	snapshot only																				0.978
Cash Flow Adequacy	snapshot only																				314.103
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	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%	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%
FCF Payout Ratio	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 Payout Ratio	1.4%	1.5%	1.8%	2.2%	1.7%	1.5%	89.4%	46.0%	79.5%	70.8%	1.5%	2.4%	1.6%	1.3%	98.9%	1.1%	1.3%	1.7%	1.6%	1.2%	1.23%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	13.7%	14.4%	22.3%	27.1%	18.1%	12.4%	6.6%	2.3%	4.2%	3.0%	5.4%	6.8%	5.5%	5.4%	4.5%	8.1%	11.1%	14.7%	16.0%	9.1%	9.06%
Net Buyback Yield	13.7%	14.4%	22.3%	27.1%	18.1%	12.4%	6.6%	2.3%	4.2%	3.0%	5.4%	6.8%	5.5%	5.4%	4.5%	8.1%	10.9%	14.5%	15.2%	7.5%	7.51%
Total Shareholder Return	13.7%	14.4%	22.3%	27.1%	18.1%	12.4%	6.6%	2.3%	4.2%	3.0%	5.4%	6.8%	5.5%	5.4%	4.5%	8.1%	10.9%	14.5%	15.2%	7.5%	7.51%

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)	0.76	0.76	0.76	0.76	0.75	0.75	0.76	0.76	0.77	0.78	0.77	0.74	0.75	0.75	0.75	0.76	0.76	0.75	0.76	0.77	0.773
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.01	0.99	1.00	1.01	1.02	1.06	1.07	1.00	1.00	1.01	1.02	1.06	1.05	0.86	0.74	0.67	0.667
EBIT Margin	0.65	0.68	0.69	0.56	0.45	0.39	0.30	0.24	0.22	0.18	0.16	0.12	0.12	0.15	0.17	0.24	0.25	0.29	0.35	0.42	0.419
Asset Turnover	0.25	0.26	0.25	0.25	0.26	0.25	0.26	0.26	0.26	0.23	0.25	0.26	0.26	0.24	0.25	0.26	0.26	0.24	0.26	0.27	0.268
Equity Multiplier	3.43	3.52	3.69	3.78	3.98	4.26	4.23	4.34	4.34	4.75	4.52	4.68	4.80	5.18	5.16	5.46	5.37	5.91	5.57	5.52	5.518

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)	$57.30	$64.29	$67.67	$58.39	$46.85	$40.30	$32.20	$25.63	$24.53	$22.29	$19.84	$14.79	$15.27	$20.01	$23.61	$36.05	$39.55	$38.18	$41.39	$46.76	$46.76
Book Value/Share	$123.43	$122.39	$113.57	$112.45	$118.92	$122.16	$131.83	$133.36	$130.44	$136.61	$130.64	$126.60	$132.62	$141.23	$139.34	$132.07	$137.60	$137.22	$138.22	$148.02	$151.60
Tangible Book/Share	$123.43	$122.39	$113.57	$112.45	$118.92	$122.16	$131.83	$133.36	$130.44	$136.61	$130.64	$126.60	$132.62	$141.23	$139.34	$132.07	$137.60	$137.22	$138.22	$148.02	$148.02
Revenue/Share	$116.11	$124.40	$129.62	$136.37	$137.05	$137.23	$139.06	$140.06	$141.86	$146.43	$152.81	$162.12	$166.09	$172.29	$178.75	$190.22	$198.03	$206.62	$211.05	$216.47	$221.71
FCF/Share	$71.61	$71.24	$77.52	$75.53	$80.78	$92.94	$88.49	$90.67	$90.18	$93.46	$95.99	$92.52	$91.83	$91.71	$95.47	$94.13	$94.97	$94.83	$96.09	$113.75	$116.51
OCF/Share	$72.05	$71.75	$78.12	$75.94	$81.04	$93.17	$88.66	$91.02	$90.45	$93.77	$96.26	$92.70	$92.06	$91.86	$95.62	$94.28	$95.14	$94.98	$96.33	$114.12	$116.88
Cash/Share	$0.84	$1.56	$35.25	$32.33	$29.98	$31.72	$37.73	$0.24	$34.20	$37.22	$45.25	$42.90	$12.86	$68.98	$92.30	$48.62	$1.39	$45.96	$2.35	$0.13	$0.13
EBITDA/Share	$76.83	$86.23	$91.05	$78.94	$63.92	$55.76	$44.28	$35.18	$33.20	$29.13	$26.31	$22.15	$22.63	$28.49	$33.12	$47.12	$52.10	$61.66	$76.09	$93.02	$93.02
Debt/Share	$295.61	$309.89	$330.44	$354.51	$346.14	$345.31	$361.09	$362.34	$378.91	$394.75	$443.72	$484.17	$503.33	$512.83	$546.07	$549.73	$555.14	$572.23	$585.04	$585.60	$585.60
Net Debt/Share	$294.77	$308.33	$295.18	$322.18	$316.17	$313.59	$323.37	$362.09	$344.71	$357.53	$398.47	$441.27	$490.47	$443.85	$453.77	$501.12	$553.76	$526.27	$582.70	$585.47	$585.47

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-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.554
Altman Z-Prime	snapshot only																				8.314
Piotroski F-Score	7	7	6	5	5	5	5	6	5	4	4	5	6	5	6	6	6	7	8	9	9
Beneish M-Score	-2.61	-2.52	-2.95	-0.92	28.39	21.36	-3.63	108.36	-3.44	-3.47	-2.96	-3.74	-2.60	-2.80	-3.19	22.75	258.73	10.44	1108.59	759.00	759.003
Ohlson O-Score	snapshot only																				-7.545
ROIC (Greenblatt)	snapshot only																				12.06%
Net-Net WC	snapshot only																				$132.06
EVA	snapshot only																				$-7744272.52

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	87.93	87.90	70.97	71.27	71.36	79.97	72.27	89.62	70.96	79.48	69.91	84.78	84.62	77.11	71.12	70.89	88.18	70.29	88.44	88.27	88.272
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				17.380
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				91
Sector Credit Rank	snapshot only																				84

CACC 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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