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.

★ ★ ★ ★ ★ — Grade A+

Profitability

81

Balance Sheet

90

Earnings Quality

74

Growth

79

Value

—

Momentum

99

Safety

—

Cash Flow

81

Risk & Quality Signals

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

Altman Z-Score

—

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.43

Unlikely Manipulator

Ohlson O-Score

-11.90

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AA-

Score: 80.5/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 1.55x

Accruals: -11.1%

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. CHHQY 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. CHHQY's score of -2.43 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. CHHQY's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CHHQY receives an estimated rating of AA- (score: 80.5/100), 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). CHHQY'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

6.45x

PEG

1.74x

P/S

1.05x

P/B

1.35x

P/FCF

—

P/OCF

—

EV/EBITDA

—

EV/Revenue

—

EV/EBIT

—

EV/FCF

—

Earnings Yield

—

FCF Yield

—

Shareholder Yield

—

Graham Number

$361.03

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 6.4x earnings, CHHQY trades at a deep value multiple. Graham's intrinsic value formula yields $361.03 per share, suggesting a potential 1236% 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

0.687

NI / EBT

×

Interest Burden

0.966

EBT / EBIT

×

EBIT Margin

0.241

EBIT / Rev

×

Asset Turnover

1.273

Rev / Assets

×

Equity Multiplier

1.953

Assets / Equity

=

ROE

39.7%

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. CHHQY's ROE of 39.7% is driven by Asset Turnover (1.273), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$1727.28

Price/Value

—

Margin of Safety

—

Premium

—

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CHHQY's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CHHQY trades at a premium to its adjusted intrinsic value of $1727.28, 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 6.4x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1165 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$27.02

Median 1Y

$33.58

5th Pctile

$16.93

95th Pctile

$66.61

Ann. Volatility

41.7%

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

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
ROE	9.8%	18.4%	19.7%	22.1%	23.2%	18.2%	23.6%	33.0%	29.9%	39.7%	39.73%
ROA	4.2%	8.2%	9.0%	10.1%	10.4%	8.3%	10.9%	15.6%	15.1%	20.3%	20.34%
ROIC	9.0%	17.7%	14.9%	16.1%	16.8%	13.0%	18.6%	26.3%	26.6%	38.8%	38.75%
ROCE	8.9%	18.2%	19.9%	21.9%	21.2%	16.5%	21.8%	32.7%	28.0%	36.9%	36.87%
Gross Margin	23.6%	21.7%	5.2%	8.8%	22.1%	24.1%	29.3%	25.5%	25.5%	30.9%	30.85%
Operating Margin	18.0%	16.8%	0.2%	4.1%	18.3%	19.0%	25.5%	21.8%	21.9%	27.0%	27.02%
Net Margin	12.8%	11.4%	1.4%	3.7%	13.3%	12.4%	16.0%	15.3%	12.6%	19.7%	19.67%
EBITDA Margin	23.3%	21.1%	6.2%	9.4%	23.4%	24.9%	29.3%	26.6%	27.5%	30.9%	30.85%
FCF Margin	16.6%	13.2%	4.7%	5.1%	5.7%	5.4%	12.8%	15.5%	16.1%	18.3%	18.33%
OCF Margin	21.2%	17.4%	10.7%	10.7%	11.3%	11.8%	18.6%	24.1%	23.4%	24.7%	24.71%
ROE 3Y Avg	snapshot only										23.35%
ROA 3Y Avg	snapshot only										11.75%
ROIC 3Y Avg	snapshot only										21.24%
ROIC Economic	snapshot only										27.89%
Cash ROA	snapshot only										29.67%
Cash ROIC	snapshot only										53.59%
CROIC	snapshot only										39.76%
NOPAT Margin	snapshot only										17.87%
Pretax Margin	snapshot only										23.26%
R&D / Revenue	snapshot only										0.25%
SGA / Revenue	snapshot only										3.38%
SBC / Revenue	snapshot only										0.00%

Valuation

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
P/E Ratio	—	—	—	—	—	—	—	—	—	—	6.449
P/S Ratio	—	—	—	—	—	—	—	—	—	—	1.050
P/B Ratio	—	—	—	—	—	—	—	—	—	—	1.347
P/FCF	—	—	—	—	—	—	—	—	—	—	—
P/OCF	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	—	—	—	—	—	—	—	—	—	—	—
EV/Revenue	—	—	—	—	—	—	—	—	—	—	—
EV/EBIT	—	—	—	—	—	—	—	—	—	—	—
EV/FCF	—	—	—	—	—	—	—	—	—	—	—
Earnings Yield	—	—	—	—	—	—	—	—	—	—	—
FCF Yield	—	—	—	—	—	—	—	—	—	—	—
PEG Ratio	snapshot only										1.741
Graham Number	snapshot only										$361.03

Leverage & Solvency

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Current Ratio	1.64	1.57	1.23	1.20	1.18	1.27	1.43	1.29	2.12	2.13	2.129
Quick Ratio	1.28	1.12	0.70	0.71	0.72	0.81	0.94	0.84	1.44	1.42	1.421
Debt/Equity	0.74	0.71	0.71	0.75	0.69	0.70	0.67	0.69	0.57	0.44	0.437
Net Debt/Equity	0.14	0.13	0.38	0.40	0.35	0.32	0.25	0.25	0.10	0.00	0.003
Debt/Assets	0.32	0.31	0.32	0.34	0.32	0.32	0.31	0.33	0.31	0.24	0.241
Debt/EBITDA	4.18	2.09	1.82	1.65	1.58	1.98	1.66	1.30	1.16	0.70	0.705
Net Debt/EBITDA	0.77	0.39	0.99	0.89	0.79	0.91	0.62	0.47	0.20	0.01	0.005
Interest Coverage	—	—	—	—	—	52.58	31.59	30.24	14.23	15.74	15.741
Equity Multiplier	2.32	2.25	2.20	2.19	2.17	2.14	2.13	2.06	1.85	1.81	1.812
Cash Ratio	snapshot only										1.110
Debt Service Coverage	snapshot only										18.657
Cash to Debt	snapshot only										0.993
FCF to Debt	snapshot only										0.912
Defensive Interval	snapshot only										2296.3 days

Efficiency & Turnover

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Asset Turnover	0.33	0.68	1.04	1.37	1.37	1.15	1.02	1.09	1.07	1.27	1.273
Inventory Turnover	2.09	3.32	4.32	6.16	7.99	6.14	4.55	4.74	5.01	5.85	5.851
Receivables Turnover	3.18	15.46	18.33	51.12	21.21	20.84	20.81	31.99	32.43	23.94	23.944
Payables Turnover	2.53	5.76	10.79	16.93	14.90	12.93	10.63	13.67	15.50	16.57	16.570
DSO	115	24	20	7	17	18	18	11	11	15	15.2 days
DIO	175	110	85	59	46	59	80	77	73	62	62.4 days
DPO	144	63	34	22	24	28	34	27	24	22	22.0 days
Cash Conversion Cycle	146	70	71	45	38	49	63	62	61	56	55.6 days
Fixed Asset Turnover	snapshot only										3.270
Operating Cycle	snapshot only										77.6 days
Cash Velocity	snapshot only										5.009
Capital Intensity	snapshot only										0.833

Growth (YoY)

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Revenue	—	—	—	—	3.3%	78.5%	9.3%	-12.5%	-9.9%	24.1%	24.11%
Net Income	—	—	—	—	1.5%	7.1%	36.2%	70.5%	66.8%	1.7%	1.74%
EPS	—	—	—	—	1.6%	4.3%	34.6%	71.8%	70.1%	1.5%	1.52%
FCF	—	—	—	—	47.4%	-27.3%	2.0%	1.6%	1.5%	3.2%	3.24%
EBITDA	—	—	—	—	1.8%	21.5%	32.0%	50.6%	60.1%	1.4%	1.35%
Op. Income	—	—	—	—	1.4%	-2.3%	43.1%	86.7%	97.0%	2.1%	2.12%
OCF Growth	snapshot only										1.61%
Asset Growth	snapshot only										12.89%
Equity Growth	snapshot only										33.46%
Debt Growth	snapshot only										-16.14%
Shares Change	snapshot only										8.83%
Dividend Growth	snapshot only										98.38%

Growth Quality

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.64	0.97	0.972
Earnings Stability	—	—	—	—	—	—	—	—	1.00	0.78	0.777
Margin Stability	—	—	—	—	—	—	—	—	0.72	0.68	0.682
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	1.00	1.000
Earn. Growth Consistency	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	0	0	0	0	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	0.13	0.93	0.69	0.48	0.50	0.07	0.070
ROE Trend	—	—	—	—	—	—	—	—	0.10	0.17	0.171
Gross Margin Trend	—	—	—	—	—	—	—	—	0.07	0.09	0.093
FCF Margin Trend	—	—	—	—	—	—	—	—	0.05	0.09	0.091
Sustainable Growth Rate	5.5%	14.3%	5.9%	8.6%	8.7%	3.3%	12.9%	13.8%	14.8%	14.1%	14.06%
Internal Growth Rate	2.4%	6.8%	2.7%	4.1%	4.1%	1.5%	6.3%	7.0%	8.0%	7.8%	7.76%

Cash Flow Quality

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
OCF/Net Income	1.66	1.45	1.25	1.46	1.49	1.63	1.74	1.68	1.66	1.55	1.547
FCF/OCF	0.78	0.75	0.44	0.48	0.50	0.46	0.69	0.64	0.69	0.74	0.742
FCF/Net Income	snapshot only										1.148
OCF/EBITDA	snapshot only										0.866
CapEx/Revenue	4.6%	4.3%	6.0%	5.6%	5.6%	6.4%	5.8%	8.6%	7.3%	6.4%	6.38%
CapEx/Depreciation	snapshot only										1.562
Accruals Ratio	-0.03	-0.04	-0.02	-0.05	-0.05	-0.05	-0.08	-0.11	-0.10	-0.11	-0.111
Sloan Accruals	snapshot only										0.116
Cash Flow Adequacy	snapshot only										1.480
Earnings Quality Score	snapshot only										0.750

Dividends & Buybacks

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Dividend Yield	—	—	—	—	—	—	—	—	—	—	7.80%
Dividend/Share	$3.35	$3.74	$12.46	$12.32	$12.44	$14.61	$10.86	$20.16	$17.14	$28.98	$14.08
Payout Ratio	43.5%	21.9%	70.2%	61.2%	62.5%	81.9%	45.4%	58.2%	50.6%	64.6%	64.60%
FCF Payout Ratio	33.6%	20.0%	1.3%	87.5%	83.2%	1.1%	38.1%	53.9%	44.2%	56.3%	56.28%
Total Payout Ratio	43.5%	21.9%	70.2%	61.2%	62.5%	81.9%	45.4%	65.7%	65.9%	85.7%	85.72%
Div. Increase Streak	0	0	0	0	1	1	0	1	1	1	1
Chowder Number	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	—	—	—	—	—	—	—	—	—	—	—
Net Buyback Yield	—	—	—	—	—	—	—	—	—	—	—
Total Shareholder Return	—	—	—	—	—	—	—	—	—	—	—

DuPont Factors

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Tax Burden (NI/EBT)	0.70	0.70	0.70	0.69	0.71	0.70	0.70	0.70	0.68	0.69	0.687
Interest Burden (EBT/EBIT)	1.01	0.99	1.05	1.09	1.07	1.07	0.97	0.95	0.92	0.97	0.966
EBIT Margin	0.18	0.17	0.12	0.10	0.10	0.10	0.16	0.21	0.22	0.24	0.241
Asset Turnover	0.33	0.68	1.04	1.37	1.37	1.15	1.02	1.09	1.07	1.27	1.273
Equity Multiplier	2.32	2.25	2.20	2.19	2.24	2.19	2.16	2.12	1.98	1.95	1.953

Per Share

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
EPS (Diluted TTM)	$7.71	$17.10	$17.75	$20.15	$19.91	$17.83	$23.90	$34.61	$33.86	$44.86	$44.86
Book Value/Share	$79.00	$93.11	$90.17	$91.12	$91.10	$105.29	$113.77	$117.69	$133.58	$129.12	$144.59
Tangible Book/Share	$73.20	$92.77	$81.72	$90.79	$81.28	$104.96	$103.27	$117.44	$133.32	$128.88	$128.88
Revenue/Share	$60.25	$141.69	$206.72	$273.80	$262.02	$246.30	$223.43	$241.38	$240.56	$280.87	$170.11
FCF/Share	$9.97	$18.66	$9.65	$14.09	$14.94	$13.22	$28.54	$37.37	$38.79	$51.50	$34.59
OCF/Share	$12.76	$24.72	$22.14	$29.38	$29.65	$28.99	$41.57	$58.07	$56.37	$69.41	$39.67
Cash/Share	$47.83	$53.34	$29.22	$31.42	$31.33	$39.58	$47.25	$51.83	$62.85	$56.08	$58.24
EBITDA/Share	$14.04	$31.37	$35.05	$41.18	$39.98	$37.10	$45.75	$62.47	$65.27	$80.15	$80.15
Debt/Share	$58.70	$65.70	$63.75	$68.00	$63.07	$73.30	$75.82	$81.36	$76.01	$56.48	$56.48
Net Debt/Share	$10.87	$12.36	$34.53	$36.57	$31.74	$33.72	$28.57	$29.53	$13.16	$0.40	$0.40

Academic Models

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—
Piotroski F-Score	4	4	4	4	7	6	7	8	8	8	8
Beneish M-Score	—	—	—	—	-2.57	-2.26	-1.98	-3.15	-3.08	-2.43	-2.432
Ohlson O-Score	snapshot only										-11.896
ROIC (Greenblatt)	snapshot only										47.31%
Net-Net WC	snapshot only										$12.82
EVA	snapshot only										$38402784195.80

Credit

Metric	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Credit Rating	snapshot only										AA-
Credit Score	65.30	69.80	66.65	68.15	66.80	70.35	75.00	75.60	76.25	80.50	80.500
Credit Grade	snapshot only										4
Credit Trend	snapshot only										10.150
Implied Spread (bps)	snapshot only										100.000

CHHQY OTC

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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