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Not Investment Advice

CBZ NYSE

CBIZ, Inc.
1W: -0.1% 1M: +9.1% 3M: +29.6% YTD: -33.6% 1Y: -54.5% 3Y: -36.1% 5Y: +2.9%
$34.52
+0.78 (+2.31%)
 
Weekly Expected Move ±6.5%
$30 $32 $34 $36 $38
NYSE · Industrials · Specialty Business Services · Alpha Radar Strong Buy · Power 73 · $1.8B mcap · 47M float · 2.04% daily turnover · Short 67% of daily vol
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 Supply Chain

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
54.5 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 4.7%  ·  5Y Avg: 8.2%
Cost Advantage ★
82
Intangibles
26
Switching Cost
61
Network Effect
52
Scale
57
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. CBZ shows a Weak competitive edge (54.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 4.7% 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
$37
Low
$40
Avg Target
$42
High
Based on 2 analysts since Apr 29, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 1Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$36.67
Analysts3
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-05-01 Stephens — $31 $37 +6 +13.0% $32.73
2026-04-30 Deutsche Bank Faiza Alwy $60 $42 -18 +37.9% $30.46
2026-04-09 Stephens — Initiated $31 — +12.3% $27.60
2026-01-12 Deutsche Bank — Initiated $60 — +9.6% $54.75

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-
Jun 09, 2026
DCF
5
ROE
3
ROA
4
D/E
1
P/E
4
P/B
4
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. CBZ receives an overall rating of A-. Strongest factors: DCF (5/5), ROA (4/5), P/E (4/5), P/B (4/5). Areas of concern: D/E (1/5).
Rating Change History
DateFromTo
2026-05-01 A A-
2026-04-29 B+ A
2026-04-28 B B+
2026-04-10 B+ B
2026-04-08 B B+
2026-03-04 B+ B
2026-02-26 B- B+
2026-01-03 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.

★ ★ ★ ★ ★ 59 Grade A
Profitability
47
Balance Sheet
36
Earnings Quality
75
Growth
76
Value
77
Momentum
100
Safety
30
Cash Flow
67
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. CBZ scores highest in Momentum (100/100) and lowest in Safety (30/100). An overall grade of A places CBZ 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
1.58
Distress Zone
Piotroski F-Score
8/9
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓
Beneish M-Score
-2.54
Unlikely Manipulator
Ohlson O-Score
-7.04
Bankruptcy prob: 0.1%
Low Risk
Credit Rating
BB-
Score: 39.4/100
Trend: Deteriorating
Earnings Quality
100/100
OCF/NI: 1.65x
Accruals: -2.2%
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. CBZ scores 1.58, placing it in the Distress Zone (safe > 2.99, distress < 1.81). 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. CBZ scores 8/9, 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. CBZ's score of -2.54 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. CBZ'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. CBZ receives an estimated rating of BB- (score: 39.4/100), with a deteriorating 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). CBZ's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E
13.48x
PEG
0.19x
P/S
0.66x
P/B
1.10x
P/FCF
6.91x
P/OCF
6.47x
EV/EBITDA
7.29x
EV/Revenue
1.24x
EV/EBIT
9.19x
EV/FCF
14.32x
Earnings Yield
9.34%
FCF Yield
14.47%
Shareholder Yield
10.98%
Graham Number
$40.19
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 13.5x earnings, CBZ trades at a reasonable valuation. An earnings yield of 9.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $40.19 per share, suggesting a potential 19% 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
0.720
NI / EBT
×
Interest Burden
0.576
EBT / EBIT
×
EBIT Margin
0.135
EBIT / Rev
×
Asset Turnover
0.612
Rev / Assets
×
Equity Multiplier
2.556
Assets / Equity
=
ROE
8.7%
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. CBZ's ROE of 8.7% is driven by Asset Turnover (0.612), 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.

Adj. Growth Rate
1.87%
Fair P/E
12.24x
Intrinsic Value
$30.68
Price/Value
0.88x
Margin of Safety
12.49%
Premium
-12.49%
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 CBZ's realized 1.9% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $30.68, CBZ appears undervalued with a 12% margin of safety. The adjusted fair P/E of 12.2x compares to the current market P/E of 13.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$33.74
Median 1Y
$34.13
5th Pctile
$19.46
95th Pctile
$60.11
Ann. Volatility
34.5%
Analyst Target
$36.67
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

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

ExecutiveSalaryStockTotal
Jerome P. Grisko,
Jr. PEO, CEO & President
 $993,750 $5,237,677 $7,063,348
Brad Lakhia PFO,
SVP & CFO
 $494,792 $3,409,426 $4,289,862
Chris Spurio President,
sident, Financial Services
 $862,500 $1,813,409 $3,048,363
Michael Kouzelos President,
B&I Services
 $595,000 $1,229,024 $2,107,837
Ware Grove PFO,
er PFO, SVP & CFO
 $155,000 $— $167,988

CEO Pay Ratio

553:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $7,063,348
Avg Employee Cost (SGA/emp): $12,777
Employees: 9,500

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
9,500
-5.0% YoY
Revenue / Employee
$290,315
Rev: $2,757,991,000
Profit / Employee
$12,152
NI: $115,444,000
SGA / Employee
$12,777
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 Q2'21 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 Current
ROE 11.6% 11.8% 10.1% 11.2% 14.4% 15.2% 14.9% 17.0% 16.4% 17.2% 16.1% 16.6% 15.6% 15.8% 3.2% 6.8% 8.5% 8.1% 6.5% 8.7% 8.71%
ROA 5.3% 5.4% 4.4% 4.9% 6.3% 6.6% 5.9% 6.7% 6.4% 6.8% 6.1% 6.3% 5.9% 6.0% 1.3% 2.7% 3.3% 3.2% 2.6% 3.4% 3.41%
ROIC 5.5% 6.2% 5.5% 7.2% 11.8% 12.5% 10.9% 11.5% 10.1% 10.8% 9.0% 9.1% 8.8% 8.4% 1.5% 3.3% 3.9% 4.2% 4.8% 4.7% 4.69%
ROCE 10.3% 10.5% 9.0% 9.9% 11.3% 12.0% 10.6% 12.3% 12.2% 13.2% 12.2% 12.5% 11.9% 12.1% 2.4% 4.8% 6.2% 9.3% 9.7% 9.7% 9.68%
Gross Margin 15.0% 15.7% -1.5% 25.9% 20.0% 15.8% -2.5% 25.0% 13.7% 16.7% -4.1% 23.8% 12.8% 16.6% -13.4% 27.2% 12.9% 13.0% -9.4% 26.6% 26.63%
Operating Margin -0.9% 11.1% -7.6% 21.7% 16.9% 11.4% -6.6% 21.6% 9.7% 13.5% -8.2% 20.0% 7.5% 11.3% -23.2% 23.9% 8.8% 8.5% -15.7% 23.2% 23.15%
Net Margin 3.1% 7.7% -4.0% 14.8% 8.6% 7.6% -3.9% 16.1% 6.7% 8.2% -3.9% 15.6% 4.7% 8.0% -19.7% 14.7% 6.1% 4.3% -14.6% 19.0% 19.05%
EBITDA Margin 12.4% 13.2% -2.4% 22.2% 14.9% 13.0% -1.8% 24.6% 13.4% 15.1% -1.4% 23.9% 10.4% 14.9% -18.9% 26.6% 16.2% 28.7% -11.1% 25.9% 25.95%
FCF Margin 14.4% 12.8% 11.1% 7.2% 6.6% 7.5% 8.3% 8.2% 7.3% 6.5% 8.2% 6.7% 7.9% 9.0% 6.1% 4.0% 4.3% 3.8% 6.3% 8.6% 8.64%
OCF Margin 15.3% 13.6% 11.9% 8.0% 7.3% 8.1% 8.9% 9.0% 8.4% 7.9% 9.6% 8.2% 9.0% 9.8% 6.8% 4.6% 5.1% 3.9% 7.0% 9.2% 9.22%
ROE 3Y Avg snapshot only 9.80%
ROE 5Y Avg snapshot only 11.49%
ROA 3Y Avg snapshot only 3.80%
ROIC 3Y Avg snapshot only 5.10%
ROIC Economic snapshot only 4.69%
Cash ROA snapshot only 5.57%
Cash ROIC snapshot only 7.22%
CROIC snapshot only 6.77%
NOPAT Margin snapshot only 5.99%
Pretax Margin snapshot only 7.74%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 4.44%
SBC / Revenue snapshot only 1.27%
Valuation
Metric Trend Q2'21 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 Current
P/E Ratio 22.36 21.41 28.72 28.20 20.69 20.84 22.47 20.87 23.14 21.39 25.76 31.62 31.67 28.49 117.94 55.98 41.93 32.35 27.64 10.71 13.483
P/S Ratio 1.71 1.60 1.84 1.86 1.64 1.64 1.68 1.70 1.78 1.68 1.96 2.42 2.25 2.02 2.67 2.26 1.89 1.26 1.16 0.60 0.655
P/B Ratio 2.51 2.45 2.89 3.15 2.98 3.17 3.32 3.52 3.76 3.66 3.94 4.98 4.71 4.28 2.72 2.73 2.57 1.89 1.81 0.94 1.098
P/FCF 11.90 12.52 16.66 25.72 24.99 21.97 20.15 20.74 24.27 25.71 23.89 35.93 28.68 22.50 43.69 56.46 43.53 33.32 18.32 6.91 6.910
P/OCF 11.18 11.79 15.52 23.37 22.48 20.27 18.77 18.96 21.08 21.20 20.30 29.36 25.14 20.63 39.13 49.08 36.85 32.28 16.58 6.47 6.473
EV/EBITDA 13.75 13.17 16.75 16.48 13.92 13.91 15.40 14.24 15.11 13.77 16.43 19.60 19.48 17.68 47.48 27.27 20.48 11.64 10.51 7.29 7.290
EV/Revenue 1.96 1.84 2.11 2.11 1.87 1.86 1.99 2.00 2.07 1.96 2.30 2.75 2.58 2.34 3.67 3.10 2.64 1.94 1.80 1.24 1.237
EV/EBIT 16.52 15.92 20.79 20.34 16.94 16.86 18.79 16.97 18.11 16.36 19.63 23.39 23.49 21.32 72.24 36.79 27.40 14.75 13.27 9.19 9.193
EV/FCF 13.59 14.35 19.11 29.18 28.55 24.91 23.91 24.39 28.26 30.05 28.05 40.88 32.85 26.10 60.11 77.57 60.85 51.31 28.49 14.32 14.321
Earnings Yield 4.5% 4.7% 3.5% 3.5% 4.8% 4.8% 4.4% 4.8% 4.3% 4.7% 3.9% 3.2% 3.2% 3.5% 0.8% 1.8% 2.4% 3.1% 3.6% 9.3% 9.34%
FCF Yield 8.4% 8.0% 6.0% 3.9% 4.0% 4.6% 5.0% 4.8% 4.1% 3.9% 4.2% 2.8% 3.5% 4.4% 2.3% 1.8% 2.3% 3.0% 5.5% 14.5% 14.47%
PEG Ratio snapshot only 0.191
EV/OCF snapshot only 13.416
EV/Gross Profit snapshot only 9.692
Acquirers Multiple snapshot only 14.860
Shareholder Yield snapshot only 10.98%
Graham Number snapshot only $40.19
Leverage & Solvency
Metric Trend Q2'21 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 Current
Current Ratio 1.15 1.15 1.07 1.07 1.07 1.07 1.11 1.11 1.11 1.11 1.20 1.20 1.20 1.20 1.18 1.18 1.18 1.18 1.22 1.22 1.222
Quick Ratio 1.15 1.15 1.07 1.07 1.07 1.07 1.11 1.11 1.11 1.11 1.20 1.20 1.20 1.20 1.18 1.18 1.18 1.18 1.22 1.22 1.222
Debt/Equity 0.40 0.40 0.47 0.47 0.47 0.47 0.67 0.67 0.67 0.67 0.70 0.70 0.70 0.70 1.03 1.03 1.03 1.03 1.04 1.04 1.038
Net Debt/Equity 0.36 0.36 0.42 0.42 0.42 0.42 0.62 0.62 0.62 0.62 0.69 0.69 0.69 0.69 1.02 1.02 1.02 1.02 1.01 1.01 1.006
Debt/Assets 0.18 0.18 0.20 0.20 0.20 0.20 0.25 0.25 0.25 0.25 0.27 0.27 0.27 0.27 0.41 0.41 0.41 0.41 0.40 0.40 0.399
Debt/EBITDA 1.91 1.87 2.38 2.17 1.92 1.82 2.60 2.29 2.29 2.14 2.47 2.41 2.51 2.48 13.07 7.48 5.87 4.11 3.87 3.89 3.893
Net Debt/EBITDA 1.72 1.68 2.14 1.95 1.74 1.64 2.42 2.13 2.13 1.99 2.44 2.37 2.48 2.44 12.97 7.42 5.83 4.08 3.75 3.77 3.773
Interest Coverage 33.60 33.79 29.04 29.17 28.68 24.14 18.60 16.70 12.06 10.46 9.26 9.13 8.51 9.02 2.68 3.30 3.03 1.71 1.75 1.76 1.757
Equity Multiplier 2.22 2.22 2.37 2.37 2.37 2.37 2.70 2.70 2.70 2.70 2.58 2.58 2.58 2.58 2.51 2.51 2.51 2.51 2.60 2.60 2.601
Cash Ratio snapshot only 0.077
Debt Service Coverage snapshot only 2.215
Cash to Debt snapshot only 0.031
FCF to Debt snapshot only 0.131
Defensive Interval snapshot only 1819.4 days
Efficiency & Turnover
Metric Trend Q2'21 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 Current
Asset Turnover 0.69 0.72 0.68 0.74 0.79 0.84 0.78 0.82 0.84 0.87 0.80 0.82 0.83 0.85 0.56 0.66 0.74 0.82 0.61 0.61 0.612
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 4.70 4.90 4.82 5.22 5.58 5.93 4.90 5.12 5.24 5.41 4.45 4.56 4.62 4.70 3.96 4.72 5.29 5.85 5.06 5.08 5.076
Payables Turnover 13.23 13.74 14.56 15.58 16.40 17.44 16.23 16.92 17.66 18.16 16.73 17.16 17.44 17.73 18.80 21.49 24.14 26.88 26.46 26.60 26.603
DSO 78 75 76 70 65 62 75 71 70 68 82 80 79 78 92 77 69 62 72 72 71.9 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 28 27 25 23 22 21 22 22 21 20 22 21 21 21 19 17 15 14 14 14 13.7 days
Cash Conversion Cycle 50 48 51 47 43 41 52 50 49 47 60 59 58 57 73 60 54 49 58 58 58.2 days
Fixed Asset Turnover snapshot only 6.667
Cash Velocity snapshot only 48.980
Capital Intensity snapshot only 1.655
Growth (YoY)
Metric Trend Q2'21 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 Current
Revenue 7.5% 12.3% 14.6% 21.1% 24.3% 26.7% 27.8% 23.3% 18.2% 14.6% 12.7% 10.6% 9.3% 7.8% 14.0% 32.3% 46.5% 59.2% 52.1% 28.3% 28.34%
Net Income 5.1% 4.1% -9.5% -14.0% 28.7% 33.4% 48.6% 52.8% 14.3% 14.0% 14.8% 3.6% 1.4% -2.6% -66.1% -30.3% -7.3% -12.5% 1.8% 77.5% 77.49%
EPS 7.7% 8.3% -5.9% -11.6% 31.8% 35.9% 53.0% 59.4% 19.2% 18.2% 16.5% 4.7% 1.6% -2.7% -71.4% -45.4% -26.9% -30.7% 1.6% 85.0% 85.00%
FCF 21.5% 17.0% -9.7% -38.5% -43.3% -26.0% -3.8% 40.1% 31.7% -0.0% 11.0% -9.4% 17.4% 48.3% -15.1% -21.5% -19.1% -32.9% 57.2% 1.8% 1.77%
EBITDA 15.2% 15.4% 5.9% 3.5% 17.7% 21.6% 30.9% 35.6% 20.1% 21.9% 22.1% 10.4% 5.9% 0.2% -37.0% 7.1% 42.5% 1.0% 2.4% 91.6% 91.63%
Op. Income -28.0% -21.2% -21.4% 9.0% 1.3% 1.2% 1.3% 89.7% -0.4% 1.9% -1.8% -8.2% 0.4% -11.0% -55.4% 5.0% 27.7% 38.3% 2.2% 31.9% 31.94%
OCF Growth snapshot only 1.57%
Asset Growth snapshot only 2.51%
Equity Growth snapshot only -1.01%
Debt Growth snapshot only -0.25%
Shares Change snapshot only -4.06%
Growth (CAGR)
Metric Trend Q2'21 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 Current
Revenue 3Y 4.5% 5.3% 6.2% 8.9% 11.3% 12.9% 14.2% 15.6% 16.4% 17.7% 18.2% 18.2% 17.1% 16.1% 18.0% 21.7% 23.7% 25.3% 25.0% 23.4% 23.36%
Revenue 5Y 5.9% 6.4% 6.7% 7.9% 9.0% 10.1% 10.5% 10.9% 10.9% 11.2% 11.5% 12.0% 12.2% 12.2% 13.8% 17.7% 20.4% 22.9% 23.4% 22.9% 22.91%
EPS 3Y 9.2% 8.4% 6.3% 9.6% 17.1% 17.4% 17.2% 23.7% 19.2% 20.3% 18.8% 13.8% 16.9% 16.1% -20.1% -3.1% -4.0% -7.3% -4.3% 1.9% 1.87%
EPS 5Y 15.3% 15.9% 12.9% 13.7% 18.6% 20.6% 18.2% 16.7% 15.4% 15.4% 16.5% 17.0% 14.3% 13.2% -11.8% 1.6% 4.7% 3.2% 4.8% 8.3% 8.29%
Net Income 3Y 7.5% 6.1% 4.8% 7.6% 15.0% 14.8% 14.2% 19.8% 15.7% 16.5% 15.6% 10.8% 14.3% 14.0% -16.7% 3.3% 2.4% -1.0% 3.1% 8.6% 8.62%
Net Income 5Y 15.6% 15.7% 12.1% 12.8% 17.1% 19.0% 15.9% 14.4% 12.8% 12.6% 14.5% 14.6% 12.0% 10.9% -10.3% 4.4% 7.8% 6.2% 8.1% 11.0% 10.98%
EBITDA 3Y 11.6% 12.4% 9.0% 12.1% 14.7% 13.6% 14.7% 20.0% 17.7% 19.6% 19.2% 15.7% 14.4% 14.1% 0.2% 17.0% 21.9% 34.7% 37.3% 31.3% 31.33%
EBITDA 5Y 10.6% 11.8% 9.7% 10.6% 13.5% 15.2% 15.3% 15.5% 14.5% 16.0% 15.7% 16.1% 13.9% 12.4% 3.0% 15.4% 19.7% 28.0% 29.1% 26.0% 26.02%
Gross Profit 3Y 9.0% 10.7% 6.5% 13.8% 16.8% 17.6% 21.4% 16.7% 16.3% 17.4% 17.2% 18.2% 14.4% 12.5% 4.6% 16.8% 15.1% 14.8% 16.7% 14.5% 14.47%
Gross Profit 5Y 8.5% 10.5% 9.3% 11.9% 15.5% 17.4% 17.5% 15.9% 13.2% 13.9% 11.1% 12.7% 11.0% 10.6% 7.9% 14.6% 18.7% 19.4% 20.7% 20.7% 20.74%
Op. Income 3Y -5.8% -2.0% -7.7% 4.3% 19.5% 20.5% 27.9% 20.0% 18.7% 20.7% 21.3% 23.8% 32.6% 25.7% 0.5% 22.3% 8.5% 7.9% 11.6% 8.3% 8.34%
Op. Income 5Y 0.7% 4.1% 2.0% 6.5% 18.3% 20.5% 20.4% 18.4% 14.2% 16.0% 12.3% 14.6% 11.3% 9.7% -1.8% 10.7% 16.5% 16.7% 20.4% 21.3% 21.34%
FCF 3Y 20.2% 15.7% 10.5% 1.1% 7.5% 10.1% 11.7% 9.1% -3.2% -4.7% -1.2% -7.9% -4.3% 3.1% -3.2% -0.1% 7.7% -0.2% 14.0% 25.5% 25.45%
FCF 5Y 19.2% 21.2% 12.8% 4.3% 8.1% 11.3% 14.4% 18.5% 5.4% 2.8% 7.6% 5.6% 13.9% 14.6% 5.6% -1.6% -2.9% -3.0% 5.2% 11.2% 11.21%
OCF 3Y 18.0% 12.9% 7.6% -2.0% 3.7% 6.5% 8.7% 8.3% -1.7% -1.9% 1.5% -3.8% -2.0% 4.0% -1.9% 1.4% 10.0% -1.8% 15.1% 24.4% 24.42%
OCF 5Y 19.2% 20.9% 13.0% 4.9% 7.2% 9.6% 11.9% 15.4% 5.8% 4.0% 7.8% 5.9% 12.1% 12.5% 4.7% -1.0% -1.5% -4.4% 5.6% 11.1% 11.12%
Assets 3Y 9.8% 9.8% 15.1% 15.1% 15.1% 15.1% 10.3% 10.3% 10.3% 10.3% 9.5% 9.5% 9.5% 9.5% 38.8% 38.8% 38.8% 38.8% 33.5% 33.5% 33.49%
Assets 5Y 9.3% 9.3% 8.4% 8.4% 8.4% 8.4% 10.4% 10.4% 10.4% 10.4% 13.2% 13.2% 13.2% 13.2% 25.5% 25.5% 25.5% 25.5% 24.1% 24.1% 24.09%
Equity 3Y 12.7% 12.7% 11.5% 11.5% 11.5% 11.5% 2.7% 2.7% 2.7% 2.7% 4.1% 4.1% 4.1% 4.1% 36.2% 36.2% 36.2% 36.2% 35.2% 35.2% 35.17%
Book Value 3Y 14.5% 15.1% 13.1% 13.5% 13.5% 14.0% 5.3% 6.1% 5.8% 6.0% 7.0% 6.9% 6.4% 6.0% 30.5% 27.8% 27.7% 27.5% 25.4% 26.8% 26.77%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend Q2'21 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 Current
Revenue Stability 0.97 0.93 0.91 0.84 0.81 0.79 0.77 0.79 0.82 0.83 0.85 0.89 0.93 0.94 0.95 0.91 0.86 0.82 0.86 0.93 0.930
Earnings Stability 0.95 0.91 0.84 0.80 0.92 0.89 0.80 0.76 0.91 0.88 0.82 0.84 0.94 0.90 0.00 0.29 0.75 0.56 0.04 0.40 0.405
Margin Stability 0.94 0.92 0.94 0.92 0.90 0.89 0.89 0.91 0.91 0.91 0.95 0.93 0.92 0.93 0.84 0.93 0.91 0.90 0.84 0.92 0.916
Rev. Growth Consistency 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 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 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.500
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 0.98 0.98 0.96 0.94 0.89 0.87 0.81 0.50 0.94 0.94 0.94 0.99 0.99 0.99 0.50 0.88 0.97 0.95 0.50 0.50 0.500
Earnings Smoothness 0.95 0.96 0.90 0.85 0.75 0.71 0.61 0.58 0.87 0.87 0.86 0.96 0.99 0.97 0.01 0.64 0.92 0.87 0.05 0.44 0.442
ROE Trend -0.01 -0.01 -0.01 -0.01 0.03 0.04 0.04 0.05 0.03 0.04 0.03 0.02 -0.00 -0.01 -0.13 -0.11 -0.09 -0.10 -0.02 -0.02 -0.016
Gross Margin Trend 0.00 0.00 0.01 0.01 0.02 0.02 0.01 0.01 -0.01 -0.01 -0.01 -0.02 -0.02 -0.02 -0.05 -0.01 -0.01 -0.01 0.01 -0.01 -0.010
FCF Margin Trend 0.04 0.03 -0.00 -0.05 -0.07 -0.05 -0.04 -0.03 -0.03 -0.04 -0.01 -0.01 0.01 0.02 -0.02 -0.03 -0.03 -0.04 -0.01 0.03 0.033
Sustainable Growth Rate 11.6% 11.8% 10.1% 11.2% 14.4% 15.2% 14.9% 17.0% 16.4% 17.2% 16.1% 16.6% 15.6% 15.8% 3.2% 6.8% 8.5% 8.1% 6.5% 8.7% 8.71%
Internal Growth Rate 5.6% 5.7% 4.6% 5.1% 6.7% 7.1% 6.2% 7.2% 6.9% 7.3% 6.5% 6.7% 6.3% 6.4% 1.3% 2.7% 3.5% 3.3% 2.6% 3.5% 3.53%
Cash Flow Quality
Metric Trend Q2'21 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 Current
OCF/Net Income 2.00 1.82 1.85 1.21 0.92 1.03 1.20 1.10 1.10 1.01 1.27 1.08 1.26 1.38 3.01 1.14 1.14 1.00 1.67 1.65 1.654
FCF/OCF 0.94 0.94 0.93 0.91 0.90 0.92 0.93 0.91 0.87 0.82 0.85 0.82 0.88 0.92 0.90 0.87 0.85 0.97 0.90 0.94 0.937
FCF/Net Income snapshot only 1.550
OCF/EBITDA snapshot only 0.543
CapEx/Revenue 0.9% 0.8% 0.8% 0.7% 0.7% 0.6% 0.6% 0.8% 1.1% 1.4% 1.4% 1.5% 1.1% 0.8% 0.7% 0.6% 0.8% 0.1% 0.7% 0.6% 0.58%
CapEx/Depreciation snapshot only 0.166
Accruals Ratio -0.05 -0.04 -0.04 -0.01 0.01 -0.00 -0.01 -0.01 -0.01 -0.00 -0.02 -0.00 -0.02 -0.02 -0.03 -0.00 -0.00 -0.00 -0.02 -0.02 -0.022
Sloan Accruals snapshot only -0.014
Cash Flow Adequacy snapshot only 15.829
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend Q2'21 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 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 1.2% 1.4% 1.4% 1.0% 73.5% 80.0% 1.2% 1.2% 1.3% 1.0% 54.0% 39.0% 16.7% 8.9% 28.0% 9.0% 72.8% 1.3% 1.4% 1.2% 1.18%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 5.4% 6.5% 4.9% 3.6% 3.6% 3.8% 5.5% 5.8% 5.4% 4.7% 2.1% 1.2% 0.5% 0.3% 0.2% 0.2% 1.7% 4.0% 5.0% 11.0% 10.98%
Net Buyback Yield 5.4% 6.5% 4.9% 3.6% 3.6% 3.8% 5.5% 5.8% 5.4% 4.5% 1.9% 1.1% 0.4% 0.3% 0.2% 0.2% 1.7% 4.0% 5.0% 11.0% 10.98%
Total Shareholder Return 5.4% 6.5% 4.9% 3.6% 3.6% 3.8% 5.5% 5.8% 5.4% 4.5% 1.9% 1.1% 0.4% 0.3% 0.2% 0.2% 1.7% 4.0% 5.0% 11.0% 10.98%
DuPont Factors
Metric Trend Q2'21 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 Current
Tax Burden (NI/EBT) 0.77 0.77 0.76 0.76 0.74 0.74 0.74 0.74 0.73 0.72 0.73 0.73 0.73 0.73 0.71 0.69 0.70 0.71 0.72 0.72 0.720
Interest Burden (EBT/EBIT) 0.84 0.84 0.83 0.84 0.97 0.96 0.95 0.94 0.92 0.90 0.89 0.89 0.88 0.89 0.63 0.70 0.67 0.41 0.43 0.58 0.576
EBIT Margin 0.12 0.12 0.10 0.10 0.11 0.11 0.11 0.12 0.11 0.12 0.12 0.12 0.11 0.11 0.05 0.08 0.10 0.13 0.14 0.13 0.135
Asset Turnover 0.69 0.72 0.68 0.74 0.79 0.84 0.78 0.82 0.84 0.87 0.80 0.82 0.83 0.85 0.56 0.66 0.74 0.82 0.61 0.61 0.612
Equity Multiplier 2.20 2.20 2.30 2.30 2.30 2.30 2.54 2.54 2.54 2.54 2.64 2.64 2.64 2.64 2.53 2.53 2.53 2.53 2.56 2.56 2.556
Per Share
Metric Trend Q2'21 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 Current
EPS (Diluted TTM) $1.47 $1.51 $1.36 $1.49 $1.93 $2.05 $2.08 $2.37 $2.30 $2.43 $2.43 $2.48 $2.34 $2.36 $0.69 $1.36 $1.71 $1.64 $1.83 $2.51 $2.51
Book Value/Share $13.07 $13.20 $13.54 $13.30 $13.41 $13.49 $14.12 $14.05 $14.16 $14.16 $15.90 $15.76 $15.75 $15.71 $30.09 $27.75 $27.91 $27.98 $27.86 $28.63 $30.78
Tangible Book/Share $-1.01 $-1.02 $-2.62 $-2.57 $-2.59 $-2.61 $-4.71 $-4.69 $-4.73 $-4.73 $-4.36 $-4.32 $-4.32 $-4.31 $-19.70 $-18.17 $-18.27 $-18.32 $-17.52 $-18.00 $-18.00
Revenue/Share $19.14 $20.16 $21.23 $22.58 $24.35 $26.03 $27.94 $29.05 $30.00 $30.94 $31.95 $32.47 $32.87 $33.35 $30.66 $33.63 $37.95 $42.06 $43.61 $44.99 $44.99
FCF/Share $2.75 $2.58 $2.35 $1.63 $1.60 $1.95 $2.32 $2.39 $2.20 $2.02 $2.62 $2.18 $2.58 $2.99 $1.87 $1.34 $1.65 $1.59 $2.75 $3.89 $3.89
OCF/Share $2.93 $2.74 $2.52 $1.80 $1.78 $2.11 $2.50 $2.61 $2.53 $2.45 $3.08 $2.67 $2.95 $3.26 $2.09 $1.55 $1.95 $1.64 $3.04 $4.15 $4.15
Cash/Share $0.53 $0.54 $0.62 $0.61 $0.62 $0.62 $0.66 $0.65 $0.66 $0.66 $0.16 $0.16 $0.16 $0.16 $0.23 $0.22 $0.22 $0.22 $0.89 $0.92 $0.47
EBITDA/Share $2.72 $2.81 $2.68 $2.89 $3.28 $3.49 $3.61 $4.09 $4.11 $4.41 $4.47 $4.56 $4.36 $4.41 $2.37 $3.82 $4.89 $7.00 $7.47 $7.63 $7.63
Debt/Share $5.20 $5.25 $6.37 $6.26 $6.31 $6.34 $9.39 $9.35 $9.42 $9.42 $11.07 $10.97 $10.96 $10.93 $30.99 $28.58 $28.74 $28.82 $28.91 $29.71 $29.71
Net Debt/Share $4.67 $4.72 $5.74 $5.64 $5.69 $5.72 $8.73 $8.69 $8.76 $8.76 $10.90 $10.81 $10.80 $10.77 $30.76 $28.36 $28.52 $28.60 $28.02 $28.80 $28.80
Academic Models
Metric Trend Q2'21 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 Current
Altman Z-Score — — — — — — — — — — — — — — — — — — — — 1.576
Altman Z-Prime snapshot only 2.115
Piotroski F-Score 8 7 6 7 7 8 8 8 8 9 8 8 7 6 4 5 5 4 8 8 8
Beneish M-Score -2.78 -2.67 -2.92 -2.34 -2.35 -2.31 -2.35 -2.12 -1.97 -2.12 -2.63 -2.37 -2.44 -2.57 -2.53 -1.79 -1.74 -1.61 -2.21 -2.54 -2.537
Ohlson O-Score snapshot only -7.042
Net-Net WC snapshot only $-31.23
EVA snapshot only $-187586193.67
Credit
Metric Trend Q2'21 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 Current
Credit Rating snapshot only BB-
Credit Score 79.83 76.33 74.12 71.19 72.78 81.19 70.41 70.15 68.52 73.55 70.40 71.39 73.34 68.08 38.78 42.62 44.58 39.83 44.21 39.42 39.420
Credit Grade snapshot only 13
Credit Trend snapshot only -3.202
Implied Spread (bps) snapshot only 550.000
Industry Credit Rank snapshot only 30
Sector Credit Rank snapshot only 26

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms